davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (TN)

This occurred over two years ago when my ex-husband, XXXX XXXX XXXX, XXXX came to visit our son. I had left my smartphone in the room where they were visiting and thought nothing of it. What he did was he downloaded TRADING APP which is entitled ROBINHOOD. He used the routing and account number listed on the bottom of an old, cleared check he still had of mine to LINK my checking account to this trading app, and then he DELETED the app from my device. 
The only way I learned that this was done was when I received an email from ROBINHOOD letting me know that the {$4.00} that had been sent to them from my checking account had cleared and I could begin TRADING on their app. 
I tried to contact the app, but they kept stating that if a person needed to contact them they would need to login to their ROBINHOOD account, and the person in need of assistance could get it this way. I never opened any account with them, and I certainly wasn't going to re-download this app, and change the password when it was someone else trying to damage my bank account by doing this to me in the first place. 
So what I was forced to do was go to my bank and close out my checking account. Since that time my funds have not been tampered with, but this app continued to email me concerning the account linked to my OLD XXXX ID. I blocked them from the email account, and eventually had to close the email account altogether. 
Fast forward around 6 to 8 months, after I relocated and started all over again with a new bank account and a new smartphone with a totally new XXXX ID, and I even relocated to a new apartment when ROBINHOOD then began sending me physical mail! 
This was due to a {$4.00} XXXX  and XXXX XXXX  transfer from a closed checking account which was in my name, and that was the first and last time which the app had any information about me, personally. The XXXX XXXX  was chalked up by me as a loss, as I have zero knowledge about stocks or trading. And, I have never wished to learn, so I refused to acknowledge them. 
Now they are sending me physical mail which include threats about fining me for making them send paper mail to me because they have no way of sending me further emails. 
I feel very threatened by all of this. My ex-husband is who stole my IDENTITY in both XXXX and XXXX. I don't know how to contact him now, but I want this ridiculous APP to leave me alone!
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NY)

Lexis Nexis sent to my employer a list of " 61 judgement & Liens '' When I disputed this they sent me a list of my previous home address '. 
The list of 61 judgments & liens were all not accurate, satisfied, duplicates or not mine. 
They also sent this to a prospective new employer as a pre hire check.
Consumer complaint received 2022-10-01
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 (MI)

On XX/XX/2022... XXXX XXXX fraud my cheking acount in the amount of {$31.00}... I submitted a dispute with chime Bank to remove the charges and investigate ... chime completed thier investigation sayin this is a valid charge... I told them in my report that the company contact info is invalid the website they reported is fraud ... chime did not state in their report that they were able to contact XXXX XXXX to validate the charges instead they kept the charges on my account ... chime need to do better investigating... for now I am stuck with fraud charges on my account that I did not authorize... I also submitted fraud report on identity theft website
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

In order to purchase furniture from XXXX XXXX in XXXX XXXX, Texas in XXXX of XXXX they required me to apply for their XXXX XXXXSynchrony Bank Credit Card in which I did. I soon paid the entire amount off within a couple of months. I also purchased some lamps and end tables and immediately paid those off as well and have never used that credit card again. In XXXX of XXXX I received a bill in the mail from this credit card in the amount of around {$130.00} or so. I called Synchrony to inquire as to why I was receiving a bill since I hadn't used this credit card at all since I had purchased my furniture and paid it off. The synchrony representative told me that it was for a purchase that was made at a store called XXXX XXXX in California. I explained that I hadn't used this credit card anywhere but at the XXXX XXXX in XXXX XXXX and that I had paid the card off in full within a few months after purchasing. I live in the XXXX XXXX area so why would I go to California to purchase something. It didn't make sense. She told me that the items purchased in California where delivered to my address but she could not provide my address to me. I filed a fraud claim with synchrony 2 times and they denied it 2 times. The third time I filed another fraud claim in XX/XX/XXXX the representative assured me that she could see that it was fraudulent and she was going to get it removed from my account. She said she was going to send me a blue form that I needed to fill out and sent right back in. When I received the form in the mail the due date had already passed but I filled it out and sent it in anyway. Today, XX/XX/XXXX I received another bill in the mail from Synchrony. This time it was about {$9.00} less. None the less, they did not remove the fraudulent charge from my account and this is affecting my credit. I called them again today and no one at Synchrony can seem to help me. They just keep telling me that they will submit another fraud claim and they keep rejecting it. I can't get anywhere with anyone and I need help. I absolutely did not make this purchase and I will not pay for fruadulent purchases illegally made on my credit card in my name.
Consumer complaint received 2022-01-31
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. (PA)

Hello, Experian and XXXX have been reporting a bankruptcy on my credit file for 7 years ago. I have asked them both how they verified this information. Both bureaus replied that they used XXXX XXXX to verify this information. I disputed this bankruptcy item with XXXX XXXX and on XX/XX/2021, I received a letter from them stating they have removed the bankruptcy item from my report. XXXX XXXX has removed this item but Experian and XXXX refuses to delete the item from my credit report even though I have sent them proof that XXXX XXXX has delete the unverifiable item. Please see the attached documents.
Consumer complaint received 2019-12-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

back in XX/XX/XXXX I spoke to a young lady by the name of XXXX. I wwas close to 120 days past due. I explained my situation and that I was maing payments to show my intent to pay the loan. she said that some customers they have to call the police on because they try to hide vehicles. I explained I didnt want that. That i own my own buisness and I was out of work for 6 months due to my equipment breaing down. I made a payment. On XX/XX/XXXX XXXX left a voicemail identifying herself from XXXX and that she understood what the vehicle ment to me and she was trying to help me keep it and prevent from calling higher authorities. when I heard the voicemail I got scared but I had already made a payment. I contacted XXXX and they said they would review the voicemail and call but never returned my call. on XX/XX/XXXX i spoke to a supervisor who said she would review the call and i asked for there legal departments information and was told that the legal department only protected them but that she would review the call and they would take action but did not specify what action or remdey would be taken.
Consumer complaint received 2022-09-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I closed on a home w/ Regions Bank as my Lender. On XXXX XXXX, I was called in for a meeting with the Builder, Regions Bank & the Title Company that handled the closing. 

During the meeting Regions Bank admitted a financial worksheet had errors on it, but they did nothing wrong as a Bank. They also said they unilaterally decided for me to pay some of my costs ( close to XXXX ) to the Builder directly, post closing. This was the first time I EVER heard of something like this! No one in the meeting besides Regions Bank, had of heard of anything like this either. This is a huge issue for me financially for more reasons than one. 

I'm afraid I'm going to be stuck to continue to pay for my rental AND the new mortgage because the Builder is saying he doesn't have the funds to complete the home. 

I'm begging for someone to investigate this with Regions immediately, because this is a Financial and Emotional burden on me and my Family. 

Thank you in advanced, XXXX XXXX
Consumer complaint received 2022-01-31
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. (DC)

On XX/XX/XXXX according to XXXX Certified Mail Experian received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 100 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 120 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 100 days soon so they should be deleted promptly.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
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: SUNRISE CREDIT SERVICES, INC (DE)

I have been disputing a collection account that has been reporting to my credit report. I have reached out to the collection agency and was only able to speak with someone about the account once, after attempting to speak with them again I have been told someone who return my call and never did, I assume this was a stall tactic, I also filed a dispute with XXXX itself who stated that the account was verified as accurate, in which it was not because it would not be on my file. I also reach out to the original creditor ( XXXX ) who informed me that there is no record of the account has it has a XXXX balance on my account. Federal law states that all information should be reported accurately .I am tired of the back and fourth, I requested debt validation and have yet to receive anything violation violation violation.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NJ)

I signed up for Direct Express XXXX sent my first card to XXXX PA where someone XXXX XXXX and used my entire XXXX benefits at different locations in Pennsylvania I never go XXXX XXXX PA and I never lived there, I live in XXXX NJ when I didn't recieve my card by XX/XX/2022 the day my XXXX payment of {$2100.00} was deposited on the card j called them everyday filing a fraud report with them which I just got the denial letter today XX/XX/2022 im on alot of XXXX due to XXXX problems, XXXX and other medical history I need that money for medication food and bills now I have nothing please help this place is a fraud
Consumer complaint received 2023-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PERL MORTGAGE (MI)

On XX/XX/2020 XXXX XXXX, XXXX, a successor to Perl Mortgage XXXX Inc ( Perl ) hired XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX to prepare an Assignment of my alleged Mortgage to XXXX XXXX XXXX, XXXX for " good and valuable consideration the sufficiency of which was purportedly acknowledged. 

Please state the full amount of " good and valuable consideration '' in $ $ XXXX and the name of the individual employee who acknowledged this consideration and the amount paid ; and his/her place of employment. 

Please provide me proof of payment of this valuable consideration, such as copy of wire transfer receipt, ACH or cancelled check. 

Please state when and where this valuable consideration was paid, the name of an individual officer who made this payment with his full place of employment ; and the name of an individual officer who received this good and valuable consideration. 

Please provide me a copy of the ledger for the account receivable where this valuable consideration was deposited and a release of lien signed by an individual employee evidencing that I do not owe any money to XXXX or Perl Mortgage
Consumer complaint received 2022-01-31
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2022-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (DE)

On XX/XX/XXXX, I deposited {$5500.00} in two separate deposits. The ATM has a limit of 30 items per transaction. I thought I split the deposits out appropriately, but upon completing the second deposit, I noticed that I had inadvertently put 31 {$100.00} bills in the ATM for the first deposit and it only credited me for XXXX {$100.00} dollar bills as the second deposit was in the amount of {$2400.00}. I reached out to Wells Fargo immediately, and recieved a provisional credit on XX/XX/XXXX in the amount of {$100.00}. I received a letter today, XX/XX/XXXX, dated XX/XX/XXXX stating that they completed an " investigation '' that showed that the original deposit amount ( the erroneous one where they stole {$100.00} from me ) was correct, and they will be deducting the provisional credit from my account on XX/XX/XXXX. How can they get away from stealing from their customers without any recourse??????
Consumer complaint received 2022-01-31
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. (NC)

Team, I have disputed the following hard inquiries as Fraud and are unauthorized and need them to be removed per FRCA. I've contacted all 3 major credit bureaus and customer service department did not help remove the negative inquiries that are reporting on my credit report. I would appreciate your help in any way. 

Transunion : XXXX. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

My loans were moved to Nelnet from Great Lakes back in the summer of 2023. I was notified that payments would resume in XXXX. I made an account, and set up auto pay to begin at the end of XXXX. Received email confirmation from Nelnet. Come back to my portal at the end of XXXX to see that no auto debit has been put on my account. Thought it must be an issue with the payment I put in, so I make a direct, one time payment to Nelnet to bring my account back into good standing. I get an email confirmation that my loan has been paid. Go back to my bank account the next week to see that payment still hasnt been pulled. Log back into Nelnet and I am now getting alerts that my payments are overdue. I continue this process, with no success. I am also not able to contact the loan servicer by phone and no one has returned my email requests.
Consumer complaint received 2022-01-31
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. (NC)

XXXX, I have disputed the following hard inquiries as Fraud and are unauthorized and need them to be removed per FRCA. I've contacted all 3 major credit bureaus and customer service department did not help remove the negative inquiries that are reporting on my credit report. I would appreciate your help in any way. 

XXXX : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-03-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Rocket Mortgage, LLC (TX)

Quicken has been running an advertisement on XXXX since XX/XX/2023 that portrays a home equity line of credit as " borrowing from yourself ''. This is a blatant lie and attempt to defraud consumers by luring them into a predatory loan under false pretenses. The advertisement can be found here : XXXX XXXX XXXXXXXX ( Archive link : XXXX XXXX XXXXXXXX : XXXX ).
Consumer complaint received 2022-01-31
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Hello, my name is XXXX XXXX email address ; XXXX I have been trying to work with Navy Federal Credit Union for 5 months now on a refinance of my home. They originally gave me a closing date of XX/XX/XXXX even though this process was started in XX/XX/2021. That date has come and gone and I am still fighting to try to get this process completed. They have had to run my credit 3 times now because they have taken so long, which has dropped my credit score every time and made it difficult when I bought a new truck XXXX weeks ago. Today they tell me that I have to get my well retested yet again because the current test will expire before they can get a closing on the refinance. This is the worst experience I have ever had. Not to mention I have called the supervisor of my XXXX  XXXX and left messages for 3 months with no call backs. I feel this is just bad business and they do not care about the people anymore.
Consumer complaint received 2019-12-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (WI)

My mortgage changed hands 2x in less than 6 months. My 2nd installment of my taxes didn't get paid. I ended up getting a new mortgage..in the meantime, interest accrued on my non paid taxes. I got sick of Mr. Cooper, and got a new mortgage. When I got my escrow back, they only gave me XXXX of the late fees back, not XXXX. So I still need XXXX back. It's not my fault they didn't pay my taxes.
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 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 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (NH)

I was declined for a Credit Card, which is fine. My problem is that one of the reasons given was the on my report for the XXXX, the one used for this application, I was told a reason for the denial is not enough accounts Current. I have never had a late payment, and every account is current. 

I was told to check with XXXX. I did. No account was anything other than current. 

I asked to see the report that you used on XX/XX/28, as is my right under the Fair credit reporting act. I was told Id get a letter in the mail, which would not contain the details of the report used. So I am still left without answers as to what you saw that was not current. I have referred to the credit bureau as directed and pulled my report also, and there is nothing. 

I have a legal right to the information you used to make this determination. I would like the report you pulled mailed to me. I believe you are completely mistaken and there was never anything not Current.