davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2020-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

In XX/XX/XXXX I received a letter from this company stating I owed XXXX to XXXX XXXX. However, I had been in communication with XXXX   upon me moving out as they were going to put my apartment on the market as soon as I moved to try to get a someone to rent it out before my actual leasing date was up. I moved out 30 days before my lease was up due to miscommunication on their end. However, I agreed to still move as I had already signed another lease with a different apartment so I agreed that I would pay up until someone leases out that apartment. The property manager encouraged myself and my roommate to pay the rent until up until the date we are moving and to not worry about late fees because they were sure the apartment would be leased out. The apartment was leased on. XX/XX/XXXX and our leasing contracting was supposed to be over XX/XX/XXXX. But they still charged me rent and the late fees up until XX/XX/XXXX. Which is charging double rent for an apartment. Therefore, Im not willing to pay this company {$2100.00} as this wasnt apart of the agreement. I discussed this concern with the debt collector ( hunter warfield ) upon receiving the first notice and they stated they would contact XXXX to get a new amount in contact me within 14 days. Well 14 days went last and I received another notice in the mail in late XX/XX/XXXX with the same amount ( {$2100.00} ) and never contacted me with a resolution. So I contacted them once again to resolve the issue and they reported they would contact XXXX  and contact me within 14 days with a resolution. Still no contact and no letters being sent until XX/XX/XXXX when I received notification of this company on my credit report. I called to resolve the issue again and they argued with me about the amount stating I have to pay that or I wont be able to lease an apartment anywhere else ever again. Im willing to pay the amount that up until the new tenant moved into the apartment on XX/XX/XXXX but I will not pay them double the amount of rent. The company would not settle as the are charging the wrong amount plus an ample amount of late fees.
Consumer complaint received 2022-10-04
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 have a card reported on my credit that is not mine. I don't recognize this credit and I have not applied for this credit card in the past. I tried to contact the company and they said that this card is in the collection and they don't have access to this card anymore.
Consumer complaint received 2023-05-13
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)

Someone attempted to get a credit card in my name through XXXX XXXX XXXX. It was denied, but i would like the hard pull taken off my Transunion credit report. XXXX XXXX XXXX. Inquiry made XX/XX/2023
Consumer complaint received 2020-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (IL)

Last year I have opened up an account with Amex Serve, everything was fine until XX/XX/XXXX when my account was shut down. On XX/XX/XXXX there was a direct deposit made in the amount of XXXX for a insurance claim that was filed for me and my partner. Due to Covid 19 we were forced to stay home and filed a claim with our insurance company XXXX, the processed the claim and issued a payment on XX/XX/XXXX. The deposit had a name of XXXX XXXX and Amex has decided to close my account. I have reached out to Amex on several times and none of them have been positive. My first attempt was on XX/XX/2020 and my second letter was date on XX/XX/2020. After second letter I have received a quick call stating the reason the closure but was not provided with any other options or a call back number to discuss that will happen with my money. I wrote another letter on XX/XX/2020 demanding my money either be refunded to the deposit be returned to XXXX so they can re-process it and have not hears back from them since then, I have even provided Amex Serve with copies of the actual claim information.
Consumer complaint received 2020-01-01
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: BBVA FINANCIAL CORPORATION (AL)

BBVA Compass is reporting a deliquent credit card account that I never applied for.

It was opened XX/XX/2013 and had a credit limit of {$4000.00} and a balance of {$3900.00}.

The account is linked to an address in which I have never lived.
Consumer complaint received 2020-01-01
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

XX/XX/2019 To Whom It May Concern : On a recent trip to XXXX XXXX XXXX XXXX, I visited the XXXX  store at the XXXX XXXX mall on XX/XX/2019. During this visit I was given a treatment to demonstrate their product on my face. I was amazed at the results I saw, that I purchased the product at a cost of {$300.00} plus {$48.00} tax. 

Prior leaving the store, the salesperson again offered to demonstrate another product called XXXX XXXX ( XXXX XXXX XXXX XXXX ). The machine used in the store definitely appeared to remove the wrinkles from my face. Based on these results, I purchased this product at a cost of {$5000.00} plus {$800.00} tax. 

When I arrived back at my hotel and unwrapped the packaging, I noticed that the {$300.00} product was for eyes only. This is not what was demonstrated in the store. After realizing I did not have the product that was demonstrated, I returned to the store to request the correct product. At this point I was told there were no refunds, which apparently also included exchanges, even though the error was on their end. 

Upon returning to the U.S., I made several unsuccessful attempts to contact the corporate office in New York. The product they are selling is a scam and does not work. While I was apparently a victim of their unethical practices and suckered into this purchase, there should be consumer recourse for their business practices and their fake products. 

As a result I am requesting a complete refund and/or the charges removed from my account in the amount of {$340.00} and {$5800.00} respectively. Your consideration in this matter will greatly appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I sent a letter to XXXX disputing negative inaccurate information on my credit report. Unfortunately these credit companies aren't complying with their own policies within a timely manner. I am hereby requesting that the items disputed be removed XXXX.
Consumer complaint received 2023-11-27
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks,
Consumer complaint received 2020-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

on XX/XX/XXXX, I called Mr Cooper/Nationstar 's toll free phone number, XXXX, to make my XXXX mortgage payment through an automated payment system. I have been for years, making my mortgage payment constructively received by the servicer before 30 days past due. Those calls were made at XXXX, XXXX, XXXX and XXXX pacific time. Each of those four times the automated system said I would have to speak to a representative. Then I heard a recorded message telling me the offices were closed. 

I call Mr Cooper/Nationstar XX/XX/XXXX, Monday morning, to make my payment. Three times, the automated system transferred my call to a CSR and XXXX, then XXXX, then XXXX said they could not take my payment or give me information. 

Mr Cooper/ Nationstar claimed my litigation with IBM , XXXX XXXX and Seterus as the reason they refused to take my XXXX payment or give me any information.
Consumer complaint received 2022-10-04
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have reached out to Capital One on multiple occasions explaining that someone fraudulently opened a credit card account in my name I have provided multiple documents via all 3 credit bureaus however each customer service representative that I speak to XXXX never find the account that appears in my credit file. Then someone reaches out and says they cant find the account but they know its mine and it will stay on my credit report, Capital One has been nothing but disgusting and disrespectful! I am a victim of identity theft as it states on all of my credit reports my own family member was the one who stole my identity so of course there may be similarities as far as my mothers home address but that does not dispute the fact that I AM A VICTIM OF IDENTITY THEFT! My next step is preparing for my lawsuit against capital one.
Consumer complaint received 2020-01-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

As of XX/XX/XXXX XXXX XXXX my previous loan servicer for the past 10 years and my current loan servicer Select Portfolio Service starting XX/XX/XXXX has failed to communicate with each other regarding the incorrect monthly payment amount of {$4300.00} With Property value of over {>= $1,000,000} according to XXXX XXXX. As of XX/XX/XXXX Incorrect information is being reported to the consumer credit reporting agencies that my mortgage amount monthly is {$4300.00}. By supplying incorrect information to Consumer reporting agencies I lost my leased car and I was not able to finance it due to low FICO score. 
XXXX never admit it or made any effort to correct their mistake by doing the right thing and fixing my monthly mortgage payment did the amount that I am legally supposed to pay. 
I have evidence of registered letter and making phone calls to XXXX XXXX  and filing a complaint regarding my case with the consumer Financial Protection Bureau asking XXXX to please make correction to my monthly mortgage. All my phone calls were ignored and my letters that I send certified mail was not acknowledged. ( Responding back to Consumer Financial Protection Bureau XXXX XXXX  clearly stated that my property value is XXXX dollar or more and I am legally obligated to pay {$4300.00} XXXX  and they are not willing to make any correction in what there are reporting to Consumer reporting agency is also correct. ) I am providing XXXX XXXX and Select Portfolio Services with the documents that I have from XXXX County and the statements that I printed from the website of Select Portfolio Services and XXXX   XXXX servicer as evidence the XXXX  was dealing with me unfairly and I was right all along I had a document from XXXX County saying that my property value is only {$800000.00} in my exemption is {$7000.00} so that brings down the value of my property not up.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (PA)

In XXXX of 2022 we used a service called " XXXX '' who referred us to Rocket Mortgage to lock into a 30 year mortgage rate at 4.62 %. This mortgage was for a home that we were building, and we locked into close in XXXX of 2022. We were pre-approved for this loan, and as the closing date came near, we abided by all of the terms of the loan and did everything XXXX XXXX Rocket Mortgage asked us to do. However, interest rates rose over that time period, and we have evidence to show that Rocket Mortgage used a fraudulent appraisal to avoid honoring the loan, which was locked in at a below market rate since rates rose during the time we were waiting for our home to be built. 

The reasons that we know that the appraisal was fraudulent were : 1 ) they appraised our house at a lower value than a smaller home on our same street and in our same plan XXXX ) they refused to accept comparable properties which would have increased our appraisal value XXXX ) even though Rocket Mortgage suggested on their own website getting a second appraisal when the first appraisal comes in below the sales price, Rocket Mortgage refused to accept a second appraisal that was done by an appraiser that our family had not affiliations with XXXX ) they refused to correct inaccuracies on the appraisal when we disputed them using the Rocket Mortgage form. 

We know that Rocket Mortgage did this to other consumers, because our rep from XXXX told us he was working with other families that were in the same situation, they had locked in at a low rate and now then appraisals came back far under the sale value. This forced many families like us to come up with tens of thousands of dollars in addition to the planned closing costs, or lose our below market rate and go with another lender. 

Our family went with another lender who appraised our home at $ XXXX compared to XXXX 's appraisal at {$390.00}, but offered us a rate much higher rate of 6.25 % since rates had gone up. This is costing our family $ XXXX if nothing is done. We feel the evidence we are attaching show this is clear fraud and we would like CFPB to investigate and take corrective action to help us and the other families that were victim to this fraud.
Consumer complaint received 2020-01-02
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. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Also, the creditor of this account, which is XXXX XXXX XXXX confirmed that they do not have any physical proof, a signed document with my signature on the account. 

Not only that, they also confirmed that my SSN was added to the account only in XX/XX/2019, which is IMPOSSIBLE as I have been disputing the account for over 1 year and XXXX XXXX XXXX did not have even my SSN on records at the time of the application, which again, could have been ANYONE who applied in my name online.
Consumer complaint received 2020-01-02
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. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Also, the creditor of this account, which is XXXX XXXX XXXX confirmed that they do not have any physical proof, a signed document with my signature on the account. 

Not only that, they also confirmed that my SSN was added to the account only in XX/XX/2019, which is IMPOSSIBLE as I have been disputing the account for over 1 year and XXXX XXXX XXXX did not have even my SSN on records at the time of the application, which again, could have been ANYONE who applied in my name online.
Consumer complaint received 2020-01-02
Product: Credit card or prepaid 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: PENTAGON FEDERAL CREDIT UNION (CA)

PenFed CU XXXX # XXXX On XX/XX/XXXX, my XXXX credit card from PenFed Credit Union was lost/stolen, while I was visiting XXXX, XXXX, XXXX. I noticed the card was not in my possession that same evening, and contacted PenFed to report the card as lost/stolen, and dispute any unauthorized charges that were on the card. There was one approved charge and a few declined charges on the card. The approved charge which I am disputing is the following : XXXX XXXX XXXX XXXX for {$12000.00} PenFed agents were quick to lock my card, request a replacement card to be sent to my address, and give me a credit for the fraudulent transaction. Starting from XXXX, I kept receiving calls from somebody named XXXX, from a standalone firm, and not PenFed, doing the fraud investigation on behalf of PenFed, which is in itself ridiculous ... why is my private financial information even being shared with a 3rd party without my consent?! She left me 2 voicemails on my phone, and I kept trying to reach her, every single time, calling the number she had left. However, I was unsuccessful every time, and I left her voicemails with all the information she might have needed including the police report number, asking her to contact me via phone or email, if she still needs to talk to me. Today, On XX/XX/XXXX, I noticed the charge has been reposted onto my account, which has made me furious ... I really hope this is just a mistake with their system. To solidify my case, I have filed the police report # XXXX, Officer XXXX, XXXX # XXXX. 

The unauthorized charges on the XXXX credit card that PenFed CU is refusing to reimburse me for is as follows : XXXX XXXX XXXX XXXX for {$12000.00} I, hereby, request that PenFed CU stand by its zero percent fraud protection guarantee, and make me whole. The reporting of the fraud was prompt, within only a few hours of its occurrence, and it is their duty to do so according to law.
Consumer complaint received 2020-06-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (TN)

This debt was removed from credit report in XX/XX/XXXX for unfair practices ( changing the dates the account was opened, changing the dollar amounts that were owed, changing the payment history, etc ) Commonwealth finance has now re reported this debt on my report. 
It first showed up on my credit reports at the end of XX/XX/XXXX, with an open date in XXXX. It was also listed as " other/ loan '' with a 1 month term. And was listed under a name that was similar but which is not my name nor is it a name I have ever used. 
They debt collector also never sent any notification to me about the debt, about collecting the debt, or reporting the debt on my report again. I still have received no written correspondence from the debt collector. 
After disputing the account with the credit reporting agencies. The debt collector changed the name listed to my name, changed the open date to XX/XX/XXXX. 
I believe the practices by this company are illegal and fraudulent, and are not in compliance with laws governing fair practices.
Consumer complaint received 2020-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

Hello, I believe that I was impacted by the allegations that Navient has misapplied my loan payments. I recently refinanced my loan, and in the process of reviewing the amount that I had already paid to Navient, I noticed that every payment I made in XXXX was applied to interest ONLY, not to principal at all. One of the main reasons that I refinanced is that I felt I could never make headway on my student loan balance, and upon seeing that my payments were never going to principal, I see why I could not make headway. The record is very strange, in XXXX I paid very little to interest, and then suddenly in XXXX, ALL of my payments began to be changed to being applied to interest ONLY, despite the fact that I was on an income-based plan both years. I found Navient 's website difficult to use, felt that they made their website difficult to navigate and obtain clear information about my payments on purpose, and felt that they are difficult to communicate with. Now I see that these problems advantaged them- I was not able to easily see that they were applying all of my payments to interest only. I have contacted Navient to ask them to change the application of these payments, but am unsure if they will be able to do so now that the payments are over 2 years old and the loan has been refinanced. This problem resulted in my paying over {$24000.00} in INTEREST ONLY to my student loans and {$0.00} to principal for the whole year of XXXX. I am furious. I am struggling and scrimping to pay off my student loans. I have been pouring every dollar into my loans and I am furious to find that Navient has been taking advantage of my increased ability to pay. 

XXXX