davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

A home I owned with a XXXX and XXXX mortgage from XXXX XXXX XXXX was approved for/and sold at short sale in XX/XX/XXXX. I received a letter in XX/XX/XXXX from Nationstar Mortgage indicating that they were attempting to collect a debt on this property, and may remedy by foreclosure. I replied via letter on XX/XX/XXXX that this property was sold. It came to my attention on XX/XX/XXXX that Nationstar filed a negative claim to my credit files with ( XXXX ) credit reporting agencies. I have been in contact with Nationstar since XX/XX/XXXX. I have provided to Nationstar XXXX times now, the Final HUD statement and ( XXXX ) settlement agreements, XXXX for the XXXX mortgage and XXXX for the XXXX mortgage, from XXXX XXXX XXXX. I was in contact with Nationstar today XX/XX/XXXX and was told that this dispute is still being researched.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

XXXX I received A call from Wells Fargo asking if I was in XXXX XXXX due to suspicious activity I said no and hung up the phone the next day I woke up and saw over {$6000.00} was drained out of my account they withdrew {$200.00} at an ATM {$800.00} at another ATM. Then spent {$2900.00} at food lion then {$2900.00} at another food lion. As soon as I saw this I called the Wells Fargo fraud department and reported it as well as called my local police department. The fraud Department said it would take from 7 to 10 business days and after I received a letter from them saying the investigation was over after seven days they told me that they saw no report of fraud on my account and they could not tell me what they saw or why they can not see fraud. Then I went to the bank and they told me to handle it with the fraud department and they cant do anything.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kovo (FL)

After directly addressing Kovo Inc to cease the sharing of my non public personal information to third party affiliates and as it is not permissible to report late payments.. Kovo directly continues to infringe on my rights after the implied consent that the company May report however after stating to them they MAY NOT share any information and thus only to which is permissible. 

Kovo inc. employees proceed to infringe on my rights, infringe of their own privacy policies due to the untrained staff and lack Of knowledge of consumer rights. 

No where in a Kovo Inc agreement. Does it state they are REQUIRED TO REPORT only they may which implies a choice. I conditionally accepted the agreement. Kovo inc does not have the option to cross out or conditionally agree online however upon quitting in to support i have made this direct and clear to cease and further late patent reporting pursuant to 15 USC 1681b and 15 usc 6801
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NATIONSTAR MORTGAGE LLC (AZ)

Nationstar Mortgage Acct # XXXX should no longer report on my file. All of my previous reports showed that this item would be removed from my credit report by XX/XX/2018. 

My current online reports now shows that they have removed that date and thus have re-aged this item. 

This reaging is a violation of the FCRA. 

Enclosed is print screen copy of my report from XX/XX/2018 showing the " On record until date of XX/XX/2018 ''. Also enclosed is a print screen copy of my current report no longer showing a remove by date.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding these unauthorized and fraudulent inquiries on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

All our family has been a faithful customer of Capital One for over 20 years. Without any notice or explanation they simply closed our checking, savings and credit cards even when we always paid on time. 

Capital One is refusing to tell us why they closed our accounts. This placed a hardship on our family because many bills were being paid with the credit cards. I was stuck in Collage without any means to pay for food or anything else until days later we mailed her another CC from a different bank. My mother or father could not pay for anything at the grocery store in total embarrassment to her in front of the store clerk and other customers. Many bills bounced all of a sudden and we did not know why since Capital One never bothered to give us notice or explain the closures. 

We always paid on time and never did anything illegal. Capital One did not allow us to explain anything since without notice they closed all accounts and are refusing terminally to tell us why. 

I know Capital One has been sued for the exact same reasons in cause no XXXX XXXX XXXX XXXX XXXX XXXX XXXX : on behalf of himself and all others : similarly situated, : : Plaintiff, : : Civil Action File No. 
v. : : ___________________ CAPITAL ONE BANK ( USA ), N.AXXXX, a : National Banking Association, and even when they lost this class action lawsuit they continue doing the same wrongful actions against their customers. 

I want a full explanation and a reconstitution of all our accounts and XXXX plus an apology.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

My dentist 's office and I tried on several occasions during XX/XX/XXXX to XX/XX/XXXX to get this loan cancelled by Allegro Credit aka Synchrony because information was incorrect and the account was no longer needed. We were continuously told the account was cancelled. Then several months later I found out the account was placed in collections and they wouldnt be able to help me. I havent been able to get any help since.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX charges yo my account where done without my authorization. These charges started increasing until I noticed them. These charges where performed overseas. My initial claim. Was denied. I then sent proof of my expired passport and work time sheets to prove these transactions was not done by me. Since chase claims they are indeed mine.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (MN)

US Bank charged my account an overdraft fee when I had a positive account. I had money in my account on XX/XX/XXXXXX/XX/year>, and US Bank charged me an Overdraft fee that made my account negative.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DE)

In XXXX I filed complaint XXXX and XXXX in regarding to the inquiries listed on my credit report prior to XX/XX/2022. The listed companies responded with statements of removal on both my XXXX and Equifax accounts and to date as of XX/XX/XXXX, they are still on my credit report. They have not done as they said they would. I want all inquiries prior to XX/XX/2022 removed since I have already explained my reasons for the initial complaint filed. Please see that my complaint and request as the consumer is meet.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Braviant Holdings, LLC (WI)

Began with me getting a {$600.00} loan, fell on hard times miss my first and second payments loan blow up, to {$1600.00} in 2 months okay whatever no problem so I call to settle loan, we both agreed that if I pay {$1300.00} the loan will be settled so I pay the {$1300.00} they send me email stating that they received my final payment of {$1300.00} and when it clears their system my case would be close and over.The next day XXXX get a email say they want more money after we made a settlement agreement. The remaining {$390.00}.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name : XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (GA)

On XX/XX/ I purchase a pre-own vehicle and was financed through XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I just received a copy of my credit reports and I have 6 additional hard inquires from : ( XXXXXXXX XXXX XXXX 2.TD AUTO FINXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). On the same date, and I never authorize any of these company to pull my credit.
Consumer complaint received 2022-12-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: West Realm Shires Services Inc. (OR)

I had a cash balance in my wallet at ftx.us. I had my checking account attached where I could deposit and withdrawal money to my ftx.us account. On XXXX XXXX 2022 I sent a withdrawal from my cash balance to my checking account and I received a confirmation that the withdrawal was accepted and it would take 3 to 5 days to get the money. I never got the money. The balance in my ftx.us wallet is negative and shows the amount I withdrew to my checking account. Where is my money?
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

In Accordance with the Fair Credit Reporting Act, Discover, has violated my rights.

15 U.S.C section 602 A. States I have a rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX. XXXX  XXXX It shows in the payment history, 120 days late on XX/XX/XXXX and XX/XX/XXXX. This is factually incorrect. Remove/Delete this account due to factual inaccurate reporting. 

XXXX. XXXX XXXX XXXX XXXX not late in XX/XX/XXXX. Provide information on how this was verified. Update the account status to paid as agreed, never late XXXX. XXXX XXXX  I was not late in XX/XX/XXXX. Provide information on how this was verified. Update the account status to paid as agreed, never late XXXX. XXXX XXXX XXXX This collection should not be reporting a payment history and past due amount. Delete/Remove account due to factual inaccuarcy. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Payment history shows, 120 days late on XX/XX/XXXX and XX/XX/XXXX. This is factually incorrect. Update the account status to paid as agreed, never late
Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

" I '' do not HAVE any " loans '' - I am being SPAMMED in the US MAIL from this private servicing debt collection agency that has PURCHASED my PRIVATE INFORMATION from others and filed FALSE CLAIMS in my bankruptcy in XXXX the FIRST TIME they got in trouble ... NOW - after my XXXX bankruptcy was dismissed without any discharge and my house stolen by other out of state debt collector lawyers who used my STOLEN INFORMATION from the Federal XXXX database - this SAME company is spamming me again. WHEN is the CFPB going to ENFORCE the Privacy Act of XXXX? The Patriot Act + Real ID Act + a Social Security account Number attached to a LEGAL NAME ===does NOT EQUAL A HUMAN BEINGS " debt ''.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I submitted a dispute that my XXXX XXXX loans was paid in full with a XXXX balance and the bureau will not update it. I submitted my dispute XXXX and my report was unchanged as if XXXX. This is with Equifax. 
XXXX wouldnt even take my documents. Stating it wasnt clear. I dont understand, the verification came straight from XXXX
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX, I made a payment to my capital one credit card for {$100.00}. On XX/XX/XXXX capital one posted my direct deposit payment for {$1000.00}, I received an email from capital one bank stating that my capital one credit card payment that was submitted on XX/XX/XXXX was returned for NSF. On XX/XX/XXXX I called capital one bank at XXXX and the capital one rep I spoked to stated that the payment was returned on XX/XX/XXXX for NSF, which was a out right lie because I have the communications sent to me by XXXX XXXX that the payment was presented on XX/XX/XXXX.
Consumer complaint received 2022-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (IA)

On XX/XX/2022 I provided a payment voucher to XXXX XXXX for lab work. The payment voucher was provided by XXXX XXXX. The voucher was accepted by the lab technician. In XXXX I received a bill from XXXX XXXX for {$370.00}. I reached out to XXXX XXXX and spent the next XXXX months trying to get confirmation that a voucher had been provided to me for XXXX XXXX. On XX/XX/2022 I received confirmation from XXXX XXXX at XXXX XXXX that " confirmation has been received that the account has been updated and your account should reflect a XXXX balance within XXXX business days. '' I did not receive additional billing from XXXX so believe the bill had been paid. On XX/XX/2022, XXXX XXXX sent me to collections with Radius Global Solutions. On XX/XX/2022 I received a collection notice from Radius Global Solutions. On XX/XX/2022 I sent an email to XXXX XXXX asking for documentation that XXXX XXXX had been paid. As of today, XX/XX/XXXX, XXXX has not replied to that email. On XX/XX/2022 I called XXXX XXXX. XXXX was not available but I spoke with a different representative who said they were going to put a request in to billing for confirmation. I called XXXX XXXX again on XX/XX/XXXX as I had not received a response. I spoke with XXXX XXXX who said their billing department had been in contact with XXXX XXXX and were waiting for them to send confirmation. She was unable to provide me payment confirmation. On XX/XX/XXXX I called Radius Global Solutions and disputed the charge. I also sent an email to the dispute department and include XXXX and XXXX in the email, asking them to provide confirmation of payment. I want to report both XXXX XXXX and XXXX XXXX for financial negligence. I used a voucher 5 months ago and continued to be harassed for payment by XXXX XXXX. XXXX XXXXXXXX has not done due diligence to ensure payment has been received and reflected on my account.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I've consistently upheld punctual payments on this account, preventing any instances of overdue payments. The reports of late payment remarks on my accounts leave me uncertain. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or amend the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX