davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

So my bank account was closed cause I tried transferring money to my Citibank account. It was taking long to get deposited so I just took the money out cash and deposited the money cash in to the Citibank account, So they thought it was fraud and froze my account at the end of XX/XX/. I told them if they can close my account and just give me my money cause I needed to pay bills, they said it was handed over to the fraud company there connected with and gave me there number I called and they said they will send my money through the mail in 30-60 days its been over 4 months going 5 I call once a week and they just tell me the same thing.
Consumer complaint received 2018-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

The Company, Nationstar dba Mr Cooper, offered me a trial modification in XX/XX/XXXX. 

I accepted and made my first of three payments by phone of {$540.00} in XX/XX/XXXXeven though it wasn't due until XXXX. My second payment due in XXXX was paid on XX/XX/XXXX on-line. I have proof of the cashed check from my bank statement and it posted on XX/XX/XXXX. 

Mr. Cooper couldn't locate the payment when I called to make the third and final payment and told me the modification had been canceled. After several phone calls they said they still couldn't locate the XXXX payment and the house was in foreclosure. 

On XX/XX/XXXX, after speaking to the Resolutions Department I faxed the Research Dept. ( fax XXXX ) a copy of the bank statement that showed a payment was made in XXXX in the amount of {$650.00}. The amount is higher because that was the only payment the on-line system would take. 

Today is XX/XX/XXXXand I have still not heard from Mr. Cooper.
Consumer complaint received 2023-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CO)

Navy federal credit union, restricted my entire membership and restricted my checking my savings and my credit card that is a secured card without prior notice a month after opening the account due to info reported it to them by XXXX XXXX XXXX My rent is going to be due soon. I have other lenders that I have to pay Im a student I live alone in a different state by myself and I rent month-to-month.Im about to be homeless and on the streets thanks to this horrible financial institution with no heart
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX  XXXX || Account number : XXXX - XXXX XXXX XXXX || Account number : XXXX
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 2023-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (TX)

Capital Accounts is trying to collect on a debt Ive already disputed, and was closed do to them not being able to provide a signed contract on this alleged debt. Their response to this matter and I quote was : Dear Consumer, Thank you for contacting Capital Accounts , LLC via the portal regarding your account. We have paused collections on your account while we investigated your allegations. As a matter of courtesy, and solely in an attempt to reach resolution of your concerns, we have proactively closed this account in our system and returned it to your original creditor. You should receive no further communications from us on this matter. Additionally, we will submit a request to all three credit bureaus ( XXXX, XXXX, and XXXX ) to have this account deleted from your credit report. 
Thank you for allowing us the opportunity to respond to your concerns. Capital Accounts , LLC XXXX XXXX
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

One 3 separate dates in the past year XXXX XXXX XXXX has placed hard inquires on my account. They have also sent me emails stating that I need to call them to finish the loan approval process. I have not tried to open a loan with XXXX XXXX in over 5 years.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (TN)

I called XXXX and XXXX  about inquiries on my credit report that I did not make. They informed me to call the companies and speak with them to see if an account was opened and to ask them to remove the inquiry. Speaking with the companies they informed me that nothing was purchased but the only way I could get these inquiries I DID NOT MAKE removed was if this report was made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2023-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (FL)

I reviewed my consumers report and noticed there was an inaccurate account on my credit report from XXXX XXXX XXXX. 
account name : XXXX XXXX account # XXXX Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I contacted XXXX XXXX XXXX and asked them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the fair credit reporting act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Hi my name is XXXX XXXX I am contacting you because once again XXXX XXXX 2018 experian credit bureau added a fraudulent collections account to my credit report XXXX XXXX in which it is Not mine or No knowledge of account and I have had an ongoing issue with all 3 credit bureaus that everytime I pay my balances down they add fraudulent collections items to my account to lower my credit score. Please make this company remove this fraudulent account as it doesn't belong to me nor do I have any knowledge of it as it is fraud and I want it removed from my credit reports at once. I am XXXX and this whole identity theft is taking a toll on me mentally emotionally and physically please remove this fraudulent collection account from my credit reports.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (FL)

One 3 separate dates in the past year One Main Financial has placed hard inquires on my account. They have also sent me emails stating that I need to call them to finish the loan approval process. I have not tried to open a loan with One Main in over 5 years.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My information was used incorrectly to open credit cards. I reported indentity theft to my police department but nothing got resolved as far as getting thing removed from my report. There is a total of 5 accounts that are fruadulent.
Consumer complaint received 2023-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NC)

My account was compromised and they detected fraud so they locked my account I submitted my documents I had they still keep requesting the same documents I talk to support they all say the same, theyre no help I have a legit job and get paid weekly so I still have yet to receive my check I have kids I have to feed they dont care I dont care about getting the account back I just want my funds sent back or a check
Consumer complaint received 2018-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TN)

I filed a complaint against Nationstar, Nationstar replied but did not address the issues. CFBP closed the complaint without allowing my rebuttal to Nationstar 's response, which is false. Nationstar needs to resolve the issue by addressing and rectifying their mistake : Nationstar failed to notify me of the escrow analysis, failed to notify me of the increase in my autodraft ( they drafted more than what was authorized ), they failed to allow payment of the escrow shortage, they failed to provide transcripts of the recorded conversation I had with two of their representatives onXX/XX/XXXX. 

XXXX stated the escrow analysis was mailed, which is impossible because I agreed to their electronic correspondence last year.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

From XXXX XXXX, XXXX  to present my identity was looked up 94 times. Experian says they have submitted reports to remove the exposures- it has been more than 45 days and only 3 have been removed from the sites. 


Unauthorized Inquiries are showing on my credit from : XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not have permission to run my credit with these corporations and needs to remove these inquiries from my credit report - I did not give them permission to send my credit to these companies. Instead of removing the inquiries XXXX XXXX of XXXX XXXX denied wrongdoing and threatened me. 


There is Dark Web Compromised Information Found From Websites and I was never compensated : thecreditpros.com - put my SSN on dark web XXXX  - breach occurred in XXXX, XXXX  - never compensated me for damages chegg.com - breach occurred in XXXX, XXXX, XX/XX/XXXXXXXX  with my old XXXX email poshmark.com - Date : XX/XX/XXXXXXXX  with my old XXXX email chronicle.com - Date : XX/XX/XXXXXXXX  with my old email : XXXX homechef.com - Date : XX/XX/XXXXXXXX  with my old email XXXX myfitnesspal.com - breach occurred in XXXX, XXXX and XX/XX/XXXXXXXX  with my old email : XXXX gonitro.com, Date : XX/XX/XXXXXXXX  with my old email : XXXX I am NOT related to any XXXX- that is my XXXX XXXX, dishonorable XXXX, XXXX XXXX XXXX I am NOT related to any XXXX- that is XXXX XXXX XXXX ( XXXX  ) XXXX XXXX I am NOT related to dishonorable XXXX, XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX dishonorable XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX is my, XXXX, XXXX, half cousin who should not be looking up my information at all I am NOT related to XXXX or XXXX - don't even know anyone with these last names Several times I have put in request to have my information deleted from : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX and it keeps showing back up on their sites ( Disrespectful and illegal ) I have been dealing with RICO practices- with threats to me and my children 's life Duty The agent had a duty of care towards others Breach of Duty The agent failed to live up to the duty of reasonable care Causation The breach of the duty of care is the cause Damages the victim ( myself and children ) suffered damages.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello there, A little back story, I opened my XXXX XXXX credit card sometime in XXXX of this year and I was told that my statement closing was the on the XXXX or XXXX of every month depending on how long the month was. 
On XX/XX/XXXX  XXXX reported my balance of {$510.00} before my statement date for the month which was the XXXX of XX/XX/XXXX  and later corrected it the reduced balance ( never reached out to the bureaus ). Normally I pay down my balance before my statement hits ( I have 8 credit card and this is what I do for everyone of them and have had no issues with them ), I got notifications from XXXX XXXX, MyFICO and XXXX that I had a high balance on my XXXX. I immediately contacted XXXXXXXX told them about this and they apologized and promised to fix this issue. Its been over 60 days and this issue was never fixed on Transunion and XXXX. I lost XXXX points on XXXX and Transunion but XXXX fixed the issue the very next day. Every time I contact XXXX  about this issue its been one excuse or the other and not one person has been helpful, not even the manager or supervisors I have spoken to. In fact, the customer service has been really bad as Ive had XXXX XXXX shout on me and place me on endless holds. 
Today XX/XX/XXXX  they did the exact same thing which took a huge toll on my credit scores on all bureaus except XXXX because it hasnt reported it yet but, Im sure thered be a ding on it as well. I am financially very responsible and do my very best to make sure my credit scores are excellent on every credit bureau, XXXX  and Fico models. Its just really frustrating and annoying when an organization is choosing to sabotage my hard work and at this point I dont know what to do. 
Id really appreciate it if something can be done about this since XXXX is completely incompetent and has refused to do their job. My fico and XXXX scores are a mess right now thanks to them. Id like for all the points I lost to be replaced to my scores. 
Ive also attached a bunch of pictures and documents showing proof of everything I talked about, thank you so much for your help and I look forward to hearing from someone on the team Thanks, XXXX XXXX
Consumer complaint received 2023-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MD)

On XX/XX/XXXX   someone used my XXXX  to take money from my chime account. I was already sleeping so I hadnt noticed until the morning in which I contacted chime which is my bank. I also contacted XXXX  in which they both said theyll put in a dispute that would atleast take 10 days. However the next day which was yesterday because the dispute wasnt submitted until the 7th I received an email from chime stating that there were no error and conveniently I wouldnt receive documentation on why for another 10 days. XXXX has been still investigating my case and i dont believe chime is taking the proper time to actually investigate my claim if you have 10 days to reach out to XXXX  how is it solved in 1 and they havent even gotten back to me as of yet. Also XXXX  has stated that they didnt receive any contact from chime regarding my dispute. I also cant file a police report due to the fact that they are saying I need the documentation regarding my denial for the police report. I did the proper work I provided all my documentation and presented every solution I had because I dont know the person so I dont know how they were able to use my XXXX  to get money from my chime account. Its just that my chime has been connected for a long time to XXXX. That does not mean I authorized that charge. I have been given the run around and also theyve hung up on me because they cant answer how could they properly investigate a dispute in 1 day.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

On XXXX XXXX, 2016 I submitted my last mortgage payment in the amount of XXXX sa per statement received by the company. They received my funds and placed it in a suspense account. The mortgage company never advised me as to why the funds were in suspense. they in turn disbursed additional monies to my insurance. They never informed me about this and after several weeks I called them and I made after many phone calls to them they advised me that in error they made these payments from the escrow while my funds were sitting in the suspense account. 3 weeks later the escrow department called me and advised that they could not reverse the payout. They gave me a new amount due for after applying my funds they had in suspense. the amount quoted was XXXX as that 's what they claimed was disburse. Reluctantly, I submitted the XXXX. After several weeks, I called them and asked why I have not received my release of mortgage. They did not know and after several days they advised the XXXX was again sitting in a suspense account. They could not answer as to why. they advised that they will apply the funds and will call me next day. Another week passed by and they did not return the call. I called them on XXXX/XXXX/16 they advised they will look into it. I again called them on XXXX/XXXX/16. they advised they will resolve this this week. When I received my mail that same day, they returned my check advising the amount had gone up to XXXX with no explanation. They had my funds to pay in full however, they are not applying funds thus ruining my credit rating and not advising on the ongoing. This has been going on since XXXX, 2016 and no resolution on there part. they are now making harassing calls to my house threatening foreclosure actions. I have all documentation and bank statements showing checks sent and statements from them for payoff amount which i sent in and they placed in suspense