davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (SD)

Numerous items such as bankruptcy and late payments more than seven years old are still appearing. All student loans are in a deferment status pending complete discharge, and I never lived at the  XXXX  address. Lastly, my identity has been stolen with reports filed with the local police department, the FTC,  Social Security Administration  and authorities in  XXXX , California. Please clear up these issues immediately and notify me upon its conclusion. A copy of this document is being forwarded to the FTC.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

Hello I had Eight ( 8 ) insufficient fees assessed to my account. Two ( 2 ) in XXXX 2022, Four ( 4 ) in XXXX 2022, One ( 1 ) in XXXX 2022, One in XXXX 2022, Two ( 2 ) returned checks fees for XXXX. For the two returned checks I submitted a money order and both times it was returned to me via mail advising me to re-deposit the money order / check. 
Furthermore I have been unemployed due to Covid-19 however actively seeking employment. I sincerely can not afford this late fees assessed to my account it is totaling {$290.00} which I can apply towards an overdue bill or purchase food for my family.

Also I had my account for over 20 years and suddenly I am paying {$12.00} to keep this account going. I need help with resolving this on going matter. Thanks
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

Hello, Thank you for your help in this matter. I fell behind on my mortgage prior to the covid pandemic in the amount of {$8000.00}. I entered forbearance XX/XX/XXXX due to my business temporarily closing to abide by covid guidelines. During forbearance I was told by my Mortgage provider, Mr Cooper to make payments on the prior debt. I did this in the total amount of {$5900.00}. I saw that this was not being applied to my debt and was sitting in a category on my statement " unapplied funds ''. I reached out during the forbearance but was never able to get an answer concerning where this amount was going to be applied. My forbearance ended XX/XX/XXXX and I talked with a representative who encouraged me to apply for a loan modification. I did so and filled out the necessary forms. I was contacted a month later stating they would need a contributor package for my wife ( also unemployed due to covid ) We filled that out and sent it back. They kept returning it saying it wasn't correctly filled out. When I spoke with a representative they said it happens and to keep re-sending. This went back and forth for 4 months along with the same scenario for other paperwork they requested. I have now been denied the modification ( I have modified 3 times in the past ) and am facing foreclosure. This back and forth has also extended my debt by 4 months.
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

I returned 3 items of clothing to New York & Company that were charged on the NY & Co credit card through Comenity Bank. They received the merchandise on XX/XX/21. After multiple phone calls they finally processed a refund on XX/XX/21 in the incorrect amount, shorting me {$6.00}. When I called XXXX XX/XX/21 they agreed to issue the refund within 7-10 business days. As of today, XX/XX/21 the refund has still not been issued and I will now have to pay the {$6.00} to avoid a late fee on the credit card account. A call today has not resolved this problem but has only led to more unconfirmed promises that the refund will be issued in ANOTHER 3-5 business days. I have requested this in writing but they have stated that they have no ability to send me anything in writing. In the meantime I am still owed {$6.00}.
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I was approved for a Modification of my mortgage ( quite some time ago... roughly XXXX ), with the understanding that I would successfully make THREE Demonstration Payments. At the same time the the Modification was approved the mortgage was sold, so I made the three demonstration payments to another mortgage processor. The mortgage was then again sold, and the 3rd mortgage processor ( in a 4 month span ), which was Rushmore Loan Management, refused to honor my Modification, because they said they didn't have evidence of my XXXX demonstration payments ... when they finally found the evidence of the 3 payments ( about 2 months after becoming the processor ), they still refused to honor the legal approval I had obtained from the first mortgage processor. 

This case has since gone to the courts, and, as it turns out, my " attorney '' had no understanding of the law in this area, and essentially did nothing to convey the circumstances of my case to the court. The property was apparently foreclosed on in XXXX of XXXX ( without my " attorney '' even making me aware ), and sold at auction on XXXX XXXX, XXXX. However I am still residing in my home of 30 years, and wish to continue to fight for my rights ... specifically, that I had legally modified my mortgage, made the 3 required demonstration payments, and that Rushmore Loan Management Did Not Honor my modification, as required.
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (UT)

I had to report my card stolen and report fraudulent activity on my account so I had to receive a new card. When I received my new card I tried to follow the steps to activate it. The only way that I can activate the card is through the app which I can not access due to not having access to the number or email that I had set up the account with. I have called customer support at least 6 times and have been told that they can not help me and that I will have to set up a new account and lose access to the funds that are in my current account. I am on hold once again with customer service as I type this right now. I was already on hold earlier for 30 mins with no response.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Have been trying to get numerous errors of my consumer credit reporting file without success ; have written letters, phone calls etc issues still have n't been remain the account I have an issue with that are reporting on all 3 of my consumer files are Chapter XXXX Bankruptcy per new law that is reporting inaccurately and needs to be removed : XXXX XXXX XXXX Accounts that are reported included in a bankruptcy I did not file and does not belong to me are XXXX, XXXX, XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX these account are not mine, are reporting invalid I have not signed a contract with these companies no monies are owed and I would like these accounts, all inquires not attached to an account, and bankruptcy removed from all three of my credit reporting files immediately.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NY)

I never opened a Credit Card with SYNC Bank. You have no signature from me indicating that i was consenting to the issuance of a Credit Card. This is a Fraudulent account and it must be taken off my account immediately. 
If i was the one who opened this account, where is the application and significant signature authorizing it? If you can't provide me these proofs, then you should relieve me of this burden and restore my account to how it was before this NIGHTMARE!
Consumer complaint received 2021-06-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

I contacted XXXX XXXX of XXXX XXXXXXXX XXXX in XXXX to inquire about a refinance into a construction loan situation so that I may build my parents a home in a seperate dwelling located on my existing property. XXXX weeks prior to closing ( and after subpar communication regarding lending fees, timelines, etc ) I am contact via email by XXXX stating that she was going back and forth with her underwriters and had no idea that her company could not support such an investment. 

My credit has already been considered Permits have already been paid I have a contract with the construction company based off of XXXX misinformation. 

Horrible situation to be in, now I am jumping through hoops with no support from XXXX XXXXXXXX XXXX, XXXX could only sheepishly send out an email to me with an elaborate " Im sooooooooo sorry ''. Extra letters dont fix this.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

Dear CFPB, I am writing to follow up on my previous complaint filed with the Consumer Financial Protection Bureau regarding the closure of my Discover credit card accounts. I appreciate the response from Discover 's Executive Office of Customer Advocacy ; however, I remain dissatisfied with the explanation provided. 

While I understand the explanation regarding the verification process and the terms outlined in the Cardmember Agreement, I still have concerns about the closure of my accounts, especially considering my longstanding history as a loyal customer with Discover for over 12 years.

I would like to request further clarification and transparency regarding the specific reasons for the closure of my accounts. Despite my efforts to provide the requested information for verification purposes, including submitting the consent form on XX/XX/2024, it appears there may have been a breakdown in communication or misunderstanding.

Furthermore, I would like to express my disappointment in the handling of the situation, particularly the difficulty I encountered in verifying my personal information after changing my phone number. While I acknowledge the attempt to contact me by phone, I believe more effort could have been made to ensure successful communication, especially considering the significance of the matter at hand.

I respectfully request that Discover provide additional information or evidence supporting their decision to close my accounts. Specifically, I would like clarification on any specific policies or criteria that led to this decision, as well as any records or documentation related to the review process conducted on XX/XX/2024. 

Additionally, I would like to address the reporting of the account status to credit reporting agencies as 'disputed. ' While I understand this may be standard procedure, I request that Discover cease reporting the account as disputed until this matter is fully resolved.

I hope that by addressing these concerns, we can reach a satisfactory resolution and ensure transparency in this matter. I look forward to your prompt response and appreciate your attention to this issue.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I had a checking account with Citizens Bank that I opened in XXXX when my daughters were in College. My name and my daughters names were on the account. My account and my XXXX  daughters account were joined in the sense that they had separate totals in their accounts as did I. When that account was opened supposedly I was told if the total amount in the accounts fell below {$20000.00} I would be charged fees. Since that account was opened, my daughters have withdrawn their funds and opened their own account with their now husbands. The last transaction being in XXXX. Since that point in time, I have received no bank statements from Citizens Bank and they have been charging me {$20.00} per month as a dormant fee because my total amount minus my daughters two accounts has fallen less than {$20000.00}. I have been charged {$1400.00} in dormant fees with no correspondence from Citizens Bank. This was an account that was liked to an Equity Line that I used to pay my Childrens College Tuition as well. My last child graduated from College in XXXX and the Equity Line has been paid off since XXXX. I had left more than {$17000.00} in that account which Citizens  has been chipping away at with no correspondence at all. I found this all out when I happened to receive a text stating there had been fraudulent activity on my Citizens account. There was no fraudulent activity other than Citizens Bank taking ( stealing ) my money without notifying me. Their answer to me was when I opened this account back in XXXX I was told that there would be fees if the total amount fell below {$20000.00}. At XXXX my memory is just not that good. They stole my {$1400.00}. Is there any recourse? Thank you for your attention. I do not do online banking ever!
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (CA)

I have been unable to obtain my credit report from XXXX SageStream, a new credit reporting agency owned by XXXX. Their website does not offer an option on their website to download my credit report. I believe they are required to have this capability under the FCRA.
Consumer complaint received 2021-06-29
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. (NC)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX  XXXX XXXX XX/XX/2021 Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I purchased my triple credit report on XXXX I don't understand why these 3 bureaus have totally different information, inaccurate, Inconsistent information if the information came from one creditor.

It has several FCRA Violations From XXXX XXXX & XXXX : It's inaccurate and inconsistent, it's not reported the same as required by law.

1. Date of Last Activity inconsistent/Inaccurate : XXXX XXXX Experian XXXX  & XXXX XXXX  2. Payment History : Inconsistent & Inaccurate CO has been reported XXXX times on Experian but It was charged off one time.

NO payment history on XXXX it's inaccurate XXXX XXXX days late : Experian 1XXXX, XXXX XXXX  days late.

This should be the same on all 3 bureaus 3. Close Date Inconsistent/ Inaccurate ; XXXX XXXX, XXXX  No Date, XXXX NO Date 4. High Balance Inconsistent/ Inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX 5. Terms : Not Listed on XXXX XXXX  or XXXX
Consumer complaint received 2021-06-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I open an account with coinbase, for about 6 to 8 weeks it works fine. I received a text from them that said there may be some fraudulent activity, I click to open the link and have not been able to get into my account since. I have sent them at least a dozen messages. I have filed complaint forms out with them. And I've called a half a dozen times. I have got zero responses from them in 2 weeks. In this ball is all cryptocurrency market time is of the essence. We're only talking about {$1000.00} or so here but it certainly shouldn't be up to them to decide when I can access my money. And they shouldn't be allowed to do business if they're not going to have a customer service department.
Consumer complaint received 2021-06-29
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. (CA)

On XX/XX/2021 & XX/XX/2021 inquires for a loan was pulled on my credit fraudulently with XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone XXXX. 

On XX/XX/2021, XXXX Bank was phoned and notified via email that I did not submit this application and it was identity theft. 

On XX/XX/2021, I placed a credit fraud alert and freeze was put on my account with credit bureau, TransUnion. TransUnion notified XXXX  and XXXX with the help of XXXXXXXX XXXX  Customer Service XXXXenter ( they were excellent ). 

On XX/XX/2021 an XXXX report was filled out and on XX/XX/2021 it was emailed to XXXX 's identity theft fraud department. 

A response on XX/XX/2021 was given that XXXXXXXX XXXX XXXX funded the account and they needed their own " Identity Theft Victim 's Complaint and Affidavit '' submitted. XXXX was well aware that this account was opened with stolen identity and funded it anyways. 

On XX/XX/2021 the required form was submitted and a police report was filed with local police agency. XXXX still has not responded. 

Several inquires of fraudulent accounts attempted to be opened with several banks and agencies that did not fund the accounts as the phone number and email address did not seem legitimate ; XXXXXXXX XXXX did anyways.
Consumer complaint received 2021-06-29
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. (GA)

XXXX TransUnion. XXXX I am filing a claim against these reporting agencies for falsely having wrong information on my credit report making it hard for me to have a better life. I have tried to communicate with them will not return my calls TransUnion ask for my information says it wrong so I can't get in my report
Consumer complaint received 2021-06-29
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: EQUIFAX, INC. (TN)

After reviewing my full three credit bureau report, I've came to the realization that I am the victim of Identity Theft, and I will most likely be hiring a legal team to help take care of this issue.

Attached is the notice to furnishers, and the FTC Identity Theft Report. All of this has been forwarded to the XXXX as-well.

Please find my updated contact information, and update it inside the personal statement ( s ), and such!

Best Regards, XXXX
Consumer complaint received 2021-06-28
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: AES/PHEAA (TX)

A few months ago, I had filed a complaint against AES for Deceptive and Unfair practices per a private educational loan for $ XXXX I had secured back in XXXX. See Complaint ID : XXXX AES had this student listed as someone who made an initial repayment on the loan and then suddenly stopped making further payments. This resulted in being Blacklisted as Defaulted Loan Presently 90 or More Days Delinquent. Indeed, AES had the following notation in my Credit Report ( CR ) : AES 120 - 149 Days Late. After initially complaining to CFPB about this deception, AES appeared to have fixed the report by updating the CR to reflect : Your account is current! However, to my dismay, I recently on XX/XX/XXXX, applied for a Grad Plus loan but was denied based on what AES was now claiming, that being, " Defaulted Loan Which Has Been Claim Paid. '' There is no doubt this labeling creates an adverse circumstance that resulted in this student being denied a regular XXXX XXXX loan. See attached copy of Letter of XXXX from Federal Student Aid.

At this juncture, it is important to note that " Any Title IV debt that is currently in default '' serves as a legitimate barrier for consideration for a student loan.