davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

On XX/XX/XXXX XXXX I talked with Mr. XXXX , customer relations representative from XXXX Tx . I asked Mr. XXXX about the interest amount paid as of XX/XX/XXXX. per Mr. XXXX `` I can not tell you the amount of interest paid on your account. '' When I asked him why he could not tell me the amount, per Mr. XXXX " it is not company policy. '' He could tell me that the interest rate on loan is 8.5 %. Per Mr XXXX he could tell e the of principle on the loan that due is XXXX as of XX/XX/XXXX. Per Mr. XXXX " a mailing was sent regarding the interest being paid first then principle. '' This was a surprise to me, He stated " will resend to mailing adddress ''. Per Mr. XXXX the " industry standard information is not part of your original closing loan document file, the title closing agent did not confirm language, acknowledgment verbally, no signature as included in orginial loan file. You were not advised of the industry standard. I informed Mr. XXXX the term industry standard was not relayed to us at closing or after loan transfer to Nationstar mortgage. Nationstar failed to disclose the amount of interest paid on my account is a violation of my rights as coborrower. 
During loan transfer from XXXX to Nationstar, after review of loan files, fail to obtain industry standard signature, verbal acknowledgment from borrowers of loan after XX/XX/XXXX.  Nationstar neglected to convey specififications of the real estate loan transfer transcation. Interest being paid first then principle, letter not received. No verification it was received by me on file. 
Fail to investigate customer complaints. Qualified written request sent to ceo cerifitid on XX/XX/XXXX, requesting additonal information on servicing of loan.Through account history print out I discovered overcharges unexplained fees, invalid late fee assessed, inconsistent interest increases. Low amounts applied to principle, invalid late fee from bank draft authorization. Payments applied to suspense account without disclosure to me, code/description used for deduction from monthly payments. Such as corporat advance fee, non cash fee adjustments, and QC fee all were outlined in letter to ceo. 
Second qualified written request regarding servicing of my loan was XX/XX/XXXX, an acknowledgement letter sent, no follow up or investigation into complaint. Mr. Cooper continues to perpetuate the predatory lending practices against me. Being an elder couple we were unwitting victims of the housing scam era. The numerous deficiencies in accounting payments, failing to follow up with customer. Facts are contractual monthly payment for 139 months received on loan has paid off the loan amount of XXXX Zero credit toward interest means over XXXX has been paid and the remaining amount of XXXX still due is a proof of a fraudulent loan scam against me.
Consumer complaint received 2018-05-09
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)

A mysterious secured loan account appeared on my credit reports from XXXX XXXX XXXX, it states that it was open on XX/XX/XXXX, states that it has been 30-59 days late with payments, last payment on XX/XX/XXXX, and that the account is now closed.  I did not open and secured or unsecured loans in over a year.  I have never heard of XXXX XXXX XXXX.  This is fraud.  I have contacted them and the credit bureaus and it still is showing on my credit reports. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX
Consumer complaint received 2022-11-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

Account XXXX with National Credit Adjuster, I tried many times to verify this account and what it is. I have never had an account with them or any account during this timeframe that was of this XXXX amount. I asked several times for them to send proof of the original debt and never received anything to validate the debt or account
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I just found out that I have been enrolled ( without my knowledge ) in a Balance Protector program since 2009 as part of my Best Buy Citi Card.  They have been charging me monthly despite the fact that I have never authorized nor have I enrolled in the program. I learned through just a bit of research that they have been ordered to refund these amounts, yet I was never notified of this or offered a refund in any way. In addition, I tried to receive a refund from Best Buy, but they told me I had to go through Balance Protector Processing Center directly. They were also unhelpful. These charges are predatory and deceptive, and I am requesting any help from the Consumer Financial Protection Bureau available at this time. 

The companies involved are Citibank, Best Buy, and Balance Protector Processing Center.
Consumer complaint received 2018-05-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Dovenmuehle Mortgage, Inc. (CA)

To Whom It May Concern, I currently have a VA Loan with XXXX XXXX XXXX   being serviced by Dovenmuehle Mortgage , Inc. For the last seven months, I have attempted to reach out and request numerous updated Escrow Analyses to be reperformed on my VA loan. Every time I talk to a representative for an explanation, they tell me they didn't receive my request or my re-request for an updated escrow analysis and re-submit a new one. However, every month I get another letter stating that they reviewed by Escrow Account and made the necessary adjustments and/or that they thought the Escrow Account was analyzed correctly. However, when I call back and speak to a Representative and explain the support I provided, they agree with me and re-submit my account for a reperformance. I have attempted to do this many many times and I feel that they are not listening or do not care. However, I am sure I am not the only person who is going through this and being previously in the Loan Servicing Company. I feel Dovenmuehle does not appropriately or accurately assess Escrow Accounts and I am sure I am not the only borrower they have done this too. I would like someone from the CFPB to look into this. In addition, I will be reaching out to my VA Representative to see what steps I can take to have another Mortgage Loan Service Provider.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account # XXXXXXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602A. States that 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 an account without my Witten instructions.
Consumer complaint received 2022-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (OR)

On XX/XX/2022 Sunrise Credit Service posted a collection notice for {$970.00} against me. 
The account was fraudulantly created using my name and social security number with an address in XXXX XXXX. I live in XXXX
Consumer complaint received 2020-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I use XXXX XXXX to periodically check my credit score and when I checked it around the middle of XX/XX/2020 I noticed that a collection agency ( XXXX ) that I paid off, was saying I just made a payment not a pay off, which would reflect differently on my credit score. So I made a dispute with TransUnion. At the time of the dispute my credit score was around XXXX, about a week later my credit score jumped to XXXX, so I thought the problem was fixed. Then around the first week of XXXX, I noticed my score dropped 12 twelve points on the TransUnion side. When I tried to check on what happened on the TransUnion site, it simply says that periodically adjustments are made. I am concerned that I might be Getting retaliated for putting in a dispute in the first place.
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I originally disputed this under the following complaint number : XXXX. I suffered an injury and was unable to respond in time and want this reopened. My card was closed after 2 failed payments ( both of which were due to my ACH accounts being replaced due to fraud. Was told if I made a payment they would submit a request to reopen my account, I made one for $ XXXX {$1500.00} and was never told a hard inquiry would be ran. I am happy to pay the balance in full, but I want my card reopened. My XXXX was hacked and funds were used without my authorization, hence why the payment failed. I've attached documents to support this.
Consumer complaint received 2018-05-09
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: JPMORGAN CHASE & CO. (NY)

there are other address and accounts and collections reporting to my credit report and i have zero knowledge of who opened these accounts and how but they dont belong to me and this really frustrating that someone was able to use my personal private info i can never feel safe again
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

In XX/XX/XXXX, I found out I couldnt login in to my online banking, so I tried reach customer service, but they told me there is a hold and can not tell me why and what happened. So I go down to my home branch, and I spoke to the branch manager, he said will help me find out what happened and whats going on. The same day afternoon I received a call from the branch told me that my account will expect closure and they will not able to provide any reason, and about the money that still in my checking account, they said they dont know, and said there is no number I can call or can ask when I will get my money back. Also I have a secure credit card account I put down XXXX deposit and dont know when will be refund to me. They just tell me wait for the mail. They will mail me the check but there is no date or any information. Until now no one contact me and no mail coming to my house. All my money left over its inside I dont know how to pay my bills and my rental payment, I want my money back.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I NO LONGER LIVE HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I  request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I tried to transfer some fund from my Citi checking account to my other banks account. Then my citi account was locked with all my fund stuck in it. I tried to get it unlocked but was unsuccessful after a couple of calls. One representative told me that she tried to unlock my account and I could try again in 10 minutes, but after half an hour my account is still locked.
Consumer complaint received 2021-10-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased two tickets for the XXXX XXXX immersive show from XXXX and was billed {$82.00} on my Capitol One credit card on XX/XX/21. Thereafter, I received an email from XXXX that it was not going to open on time and I could get a credit for the {$82.00} to buy new tickets at a later date. I ordered new tickets for XX/XX/21 but did not get a credit for the {$82.00}. I tried to contact XXXX but it did not refund my money. I then called Capitol One and made a complaint. Capitol One initially credited me the {$82.00} and contracted XXXX. Fever told Capitol One that to credit me the {$82.00} I would have to withdraw my complaint. I said I didnt want to but Capitol One said it could not help and actually charged me twice ( two payments of {$82.00} ). I called Capitol One and was told the double charge was a mistake and they would credit me one payment. I contacted XXXX again and have still not received a refund of the {$82.00}. I do not see why Capitol One will not help me.
Consumer complaint received 2018-05-09
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (MN)

On XX/XX/XXXX and XX/XX/XXXX some body Fraudulently applied for two loans to One Main Financial! I contacted One Main about this issue and also contacted XXXX XXXX from the Mn. Commerce Dept. about these two loans that someone applied for, I reported this and also reported it to the XXXX XXXX Police dept. One Main has requested several times to XXXX  to remove the hard hits from my account, the hard hits are still there.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I sent a friends and family payment of {$440.00} on XXXX  to what was a mutual on social media in the XXXX XXXX fandom. I believed I was buying concert tickets to XXXX 's XX/XX/XXXX show, and since we were mutual followers and she ran an active fan account I didn't think anything was weird until she kept making excuses not to send the tickets. That's when I found other 's on XXXX  calling her a scammer and pointed this out to her, she told me she already spent my money and then stopped responding. I have filed a police report on top of disputing with my bank and have reported her to XXXX ( who has taken down her account ) However, disputing the transaction has been a nightmare. XXXX told me to contact my bank and they'd be able to send the information on their end to have it charged back, however my bank denied this and told me I need to contact XXXX, then I call XXXX and they tell me to dispute with my bank, this has been back and forth and I just want my {$440.00} back. I never received tickets, they did not ever exist this woman scammed multiple XXXX XXXX fans and XXXX isn't even blocking her account. I just want my money back as it is a fraudulent charge. The charges are XXXX separate charges of {$220.00} labeled ticket XXXX and ticket XXXX.
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DataMax Corporation (NC)

On XX/XX/2018 I filed a complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Salem XXXX   XXXX was showing ( 4 ) property tax bills that were fraudulent. Ref # XXXX you completed the investigation and they stated on XX/XX/2018 that they had reviewed all information regarding these accounts and discovered that they have all been closed and cancelled in there office on XX/XX/2018. These accounts have been marked for deletion on XX/XX/2018.

They had reported them on XXXX  on XX/XX/2018 now on XX/XX/2018 they have placed them on my XXXX. It appears they are continuing to replacing them on each credit reporting company 's. 

This is harassment and really need to be taken care of with them due to this being my second complaint. 

Thanks
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP (TN)

Very first notice I got from Kimball Tirey and St John in the mail was for {$15000.00}, the letter never stated my name anywhere on it. Instead it stated an ex and his girlfriends name. This began in XXXX of XXXX. When I reached out to the company they did not help solve this issue and sent me to collections. I received another letter in XX/XX/XXXX again stating the balance owed of {$15000.00}. I called the company again and the representative explained that the letter was not for me but for my ex and to not worry about it. It is still reflecting on my credit report for something I was specifically told not to worry about.
Consumer complaint received 2018-05-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Constar Financial Services, LLC (MO)

This company is illegally attempting to collect a debt for a new vehicle that was a lemon. Dealer lied about after market parts stating front foot rest could be moved to mids to sell bike in middle of winter while I was dealing with XXXX after telling dealer I just attended my cousin funeral they used deception and fraud to con me. The bike never started before purchase and dealer promised to put in new battery, they didnt. Bike was delivered and still does not start. Bike has had oil light of since day one and it was a brand new motorcycle. Dealer knew Im a new rider knowing nothing about motorcycles they delivered bike with oil missing to damage motor an attempt to get more money from me. Dealership is XXXX and has cars with confederate flags out front and they discriminated against me during this purchase. Dealer unlawfully added price of helmet, XXXX, jacket and put funds on get gift but charged price into loan to make price of bike higher then suggested msrp. This is a lemon vehicle under Missouri law and dealer has cheated me out of thousands of dollars and ruined my credit report! They stated they wanted {$9700.00} first to settle then collections changed amount to {$11000.00}, constar should be called con artist.
Consumer complaint received 2018-04-18
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. (UT)

I have a {$15.00} collection on my credit report from XXXX XXXX regarding XXXX XXXXXXXX XXXX, that is erroneous. I have contacted XXXX XXXXXXXX, XXXX XXXX, XXXX, Transunion company. both XXXX XXXXXXXX and XXXX say they show I owe them nothing. I can't get anyone to remove this.