davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (NM)

Date : XXXX Amounts : {$80.00} Actions : I submitted fraud claim that was accepted by FNBO FNBO admitted that the charge was fraudulent but keeps sending emails that a payment is due Account Ending in XXXX SIGNATURE A payment is due on your FNBO Visa credit card account in 5 business days. Thank you if you have already made your payment, you may disregard this notice. 

PAYMENT DETAILS MINIMUM PAYMENT DUE : {$80.00} PAYMENT DUE DATE : XX/XX/2024
Consumer complaint received 2020-01-15
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. (GA)

XXXX XXXX # XXXX is reporting a late to my account that I should not owe. My XX/XX/19 late on this account was a result of a system error on their end, I made my payment online and was told the payment went through, however their system did not actually process the payment until the account was late. This late was not my fault and it needs to be removed.
Consumer complaint received 2024-06-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

On XX/XX/XXXX, I received three {$100.00} Vanilla Visa gift cards ( total {$300.00} ). I attempted to use the cards at a spa, a grocery store, a restaurant, on XXXX and a clothing store, and the cards were repeatedly declined. 

I contacted Vanilla 's customer service and requested a refund for all three cards ( {$300.00} ) and to date ( XX/XX/XXXX ), I have only received {$100.00}. I have called repeatedly for the remaining {$200.00} refund, and they essentially say that the " check is in the mail ''. 

Today XX/XX/XXXX, I spoke to a " supervisor '' named " XXXX '', who won't tell me her last name, won't transfer me to anyone on the leadership team, won't call or email me with a status of the refund check, and insist that I call back in 48 hours to see if the {$200.00} refund was processed.

It shouldnt take over four months to issue a refund check. This is outrageous and the company should be investigated for fraudulent activity.
Consumer complaint received 2020-01-15
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. (GA)

XXXX XXXX # XXXX is reporting a late to my account that I should not owe. My XX/XX/19 late on this account was a result of a system error on their end, I made my payment online and was told the payment went through, however their system did not actually process the payment until the account was late. This late was not my fault and it needs to be removed.
Consumer complaint received 2020-01-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (SC)

On XX/XX/XXXX, I started a VA streamline refinance with Freedom Mortgage. I was originally told it would take only a few weeks to close the VA refinance. The last communication I received was from their contractor that performs the title work, who said everything was good to go around XX/XX/XXXX. Since that time, there has been zero communication from Freedom Mortgage. I have reached out and spoken with my customer advocate multiple time since XX/XX/XXXX and his response is that he doesn't know what is going on with the account or what is taking so long every time I speak to him. My interest lock-in agreement expired on XX/XX/XXXX. It's been two months since this whole process has been started.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (KY)

XXXX XXXX is not liable for XXXX XXXXXXXX XXXX XXXX  with account number ending XXXX for XXXX. I don't give my permission for LVNV Funding to have my personal identifying information to third party debt collectors and to share, trade, sell, or transfer to any of third party non affiliates and affiliates such as XXXX XXXX XXXX XXXX, and Resurgent which they have already violated my rights to privacy and FDCPA. and FCRA. I do not have a contract with any of these entities and any of their affiliates. I do not want to contract with them either. Cease and Desist any form of communications such email, phone, and mail. I will be filing a FTC fraud report and identifying theft and defamation of character. 
Intent to sue for security fraud by Security Exchange Commission and auditing your company accounting records for this account. My claim against your company using all documents as proof of claim.
Consumer complaint received 2020-01-15
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: JPMORGAN CHASE & CO. (GA)

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.
Consumer complaint received 2019-12-10
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2500.00}, {$3000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

4. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Fraud alert on file Collection accounts XXXX XXXX XXXX XXXX Late accounts XXXX XXXX XXXX ( paid in full not late ) XXXX ( paid in full / total loss vehicle ) XXXX ( late payment and account ) prior account was paid in full Charge off account XXXX XXXX  XXXX XXXX XXXX  Hard credit inquiries XXXX  XXXX XX/XX/XXXX - come off XX/XX/XXXX XXXX XXXX XX/XX/XXXX - unauthorized XXXX  XXXX XX/XX/XXXX - unauthorized XXXX  XXXX XX/XX/XXXX - unauthorized
Consumer complaint received 2022-04-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

OPORTUN personal loan Doing fraudulent Bussiness Open an account using my social security On XX/XX/22 at their XXXX California location for {$6900.00} unsecured loan According to them they need a valid ID and paystub to open up a new loan which is why i asked them how could they use my social security number without a valid ID and pay stub for an application. 
Tried to dispute the loan but they said therea no way they can find the application under my social security so basically they cant help me on disputing the loan I live XXXX miles away from XXXX and haventt been there either
Consumer complaint received 2019-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Northstar Location Services, LLC (WV)

All of my student loan debt ( federal and private ) were pulled together ( consolidated ) several years ago. These debts are currently under an XXXX plan with US dept of Ed via XXXX XXXX XXXX XXXX. One remaining private loan was paid off in full last XXXX by a cosigner and myself, to the tune of over 3 thousand dollars. I have repreatedly requested XXXX, and any and all companies they have turned my debt over to, prove this dept to me. No proof has come forth and now this mystery debt has been bounced by XXXX to yet another debt collector, Northstar Location Services , LLC. Who has now sent a collections notice to me dated XX/XX/2019.
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 — Credit inquiries on your report that you don't recognize
Company: BROKER SOLUTIONS, INC. (IL)

There is fraudulent information on my XXXX XXXX Credit Report. The following inquiries occurred without my approval or consent : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX New American- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (NY)

This letter serves as a formal complaint against Rushmore Servicing for the following : 1. Failing to provide a written status of my loss mitigation application.

2. Failing to provide an approved modification, although I complied with requirements.

3. Reporting delinquency without my knowledge of loss mitigation status. 
XXXX. Failing to provide XXXX XXXX although they are Rushmore Loan Management Services under a new name. 

In XX/XX/XXXX my mortgage payments increased approximately 40 %. Payments increased from {$380.00} to {$560.00} due to an alleged escrow shortage of approximately {$2800.00} referred from the previous Servicer, Rushmore Loan Management Services. This increase was the beginning of my hardship. In or around XX/XX/XXXX I applied for loss mitigation assistance which has taken approximately 4 months. I have been channeling and retaining all requested documents faxed to the Servicer and corresponding with various Rushmore Servicing Representatives ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ) as to the status of my application. 

In or around XX/XX/XXXX after not receiving any written outcome to my loss mitigation application, I contacted Rushmore Loan Servicing, XXXX who stated my modification application was denied due to the bank statement not being highlighted for the {$500.00} rental income. I explained to XXXX that I highlighted the {$500.00} income which corresponded to the lease agreement. In turn, XXXX accelerated my concerns in which he too had agreed I complied with the requirements. I waited for approximately XXXX minutes while XXXX tried contacting the department, but was unsuccessful. XXXX advised he was going to have my loss mitigation contact XXXX call me and to this date I have not received any correspondence. 

I have continued to pay the XXXX the initial {$380.00} payments in which I can afford and seek to have the XXXX provide a written response as to the status of my application. In addition, on XX/XX/XXXX the XXXX reported late payments to the XXXX credit bureaus although I have been in the process of applying for loss mitigation assistance and unaware my application was denied for a reason in which I had already complied with the XXXX. 

Lastly, I have not received my XXXX XXXX from the Servicer although according to research they are Rushmore Loan Management Services practicing loan servicing under Rushmore Loan Servicing. 


Moving forward, I am seeking a fair opportunity to apply for loss mitigation assistance, a written response as to the status of my application, written reason for the denial if so, and for the XXXX to redact their reporting of delinquency while I still remain in the loss mitigation process. Subsequently, I am seeking a copy of my XXXX XXXX required to file tax returns. I do not wish for the XXXX to respond with unnecessary documents I already retain for my records, payment history, etc.
Consumer complaint received 2019-07-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

I have two collection accounts with Resurgent Capital Services under LVNV Funding both for a XXXX XXXX credit card ... ..Re : XXXX for {$1500.00} and the second one acct number XXXX. 
The first debt collector for both accounts was XXXX XXXX XXXX in which I will be sending in. 
In both debt validation letters sent to both debt collectors I requested the following not only according to FDCPA regulations but as well under the Texas FDCPA as well as the Texas Finance Code.

1. Agreement with the original creditor that authorizes you to collect this alleged debt ( FDCPA Sec. 1692f ( 1 ) as well as under the Texas Fair Debt Collections Act.

2. An agreement bearing my signature stating that I have agree to pay them for this charged off debt.

3. A payment history from the beginning of the debt showing the original debt amount as well as how the debt was incurred. New standards that were put in place by the XXXX XXXX in 2014 after entering a decision in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 
4. I also requested the documents they must file with the Texas Secretary of State making it legal to collect in our state. 
I sent this request to them more than once as you can see from the letters I will be sending and their response to me was that they reviewed the file and found the debt was valid but did not provide me the information as per the FDCPA, TFDCPA as well as their legal authority to collect in my state under the Texas Finance Code. 
I recently learned they reported both of these accounts to the credit bureas in which I am in the process of disputing. 
I am sending you all the information pertaining to both accounts as well as the requirements under Texas and Federal Law.. 
I want the CPFB to review the federal violations they have committed and that this file be removed from the credit bureaus.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA (ME)

My account was used fraudulently to purchase make a concert ticket purchase of XXXX dollars. No big deal I was able to gain back access to my email and worked with XXXX XXXX to send them the tickets back so they couldnt be used and the fraudster didnt get the tickets. They told me because it was fraud I have to dispute it with the bank no matter what and that rest assured Id get my money. Fast forward a year later and going on 5 disputes reopenings and nothings happened. My disputes get denied with the same saying there wasnt enough evidence. Yet Ive talked to XXXX XXXX  each time and they have said that there should be no reason the dispute is denied and that this bank isnt even reaching out to them. On this last time I had a specialist finally call me back from the bank and she even agreed it shows they havent reached out to the bank and this all makes no sense as why its being denied. She assured me shed fix it and it would get situated. Two months later its denied yet again. This is the worst customer service from a bank Ive ever experienced. My next step is legal if they dont fix this now Im sick of dealing with this Ive spent 11 plus hours on the phone, a year with XXXX worth of money held it isnt fair. I will be asking for more for time and suffering. After making a complaint with the XXXX my dispute was yet again denied. I called the merchant and they said they still havent been contacted. All the bank will do is say theyll escalate it and someone will call me yet no one ever does. Doesnt provide any reasons why they decline the dispute. Ive requested to be sent the evidence they have and they never sent me it. This is the worst.
Consumer complaint received 2022-10-02
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. (TX)

Have tried contacting XXXX several times in regards to misreporting on my credit profile. I have never been late on this account. Account status is showing current however XXXX is reporting 30 days late to call credit agencies.
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX accordance with the Fair Credit Reporting act Portfolio recovery account # XXXX, has violated my nights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions. Therefore I demand this account to be removed or deleted. 
Or my next steps will be contacting the attorney general regarding this matter
Consumer complaint received 2019-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (TX)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-05-24
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/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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
Consumer complaint received 2023-05-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2023 Navy Federal Credit Union extended credit to me for the purchase of a promissory note I issued. I tendered payment and a receipt to the financial institution for the full amount. The payment was accepted both online and by their loan payment center. 
The original contract along with an allonge and power of attorney for the principal was accepted by NFCU.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (KY)

I was notified that my credit score was lowered substantially by my bank. When I looked at my credit score, there was a notification from Helvey and associates on behalf of XXXX XXXX XXXX Indiana for the amount of {$770.00} which was for an account going to a mobile home in XXXX XXXX. I dont live in Indiana and have owned my home since XXXX. I sent both XXXX XXXX and Helvey associates every document that they asked me to, and they still claimed the account was mine. I filled out an identity theft report with the United States government as well and followed all of those steps even had a sheriff in the state of Indiana, where I do not go to the mobile home and investigate what was going on. From that investigation it surely looks like XXXX XXXX made a mistake and put an account information in my name but will not claim that. They insist I owe {$770.00} and that it is my account.
Consumer complaint received 2019-07-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

After losing a personal business, I filed chapter XXXX and entered into a payment plan with capial one auto finance. As of XX/XX/2019 I paid off the auto as agreed. According to Capital one an additional {$940.00} was added to the loan, but I was never notified. Finally, more than 6 months after the chapter XXXX has ended capital one has added an additional {$10000.00} dollars to the loan