davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
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. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2019-09-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (WA)

I began asking Mr. Cooper with help paying my mortgage on XX/XX/XXXX.  On XX/XX/XXXX I spoke with XXXX ( I dont have his last name ) and his recommendation was to apply for a loan modification. I wrote a letter explaining my financial difficulties. I was XXXX in XX/XX/XXXX and was denied 3 months of my social security benefits. I have been struggling to make a comeback from this. I am retired and on a fixed income. 
I mailed my 1st application XX/XX/XXXX. I was rejected because I missed the due date of XX/XX/XXXX by one day. 
On XX/XX/XXXX I mailed my second application with a USPS and a tracking number. It was delivered XX/XX/XXXX tracking number : XXXX. 
I began calling to check the progress of my application. I called XX/XX/XXXX and spoke with XXXX ; she reported no documents received. On XX/XX/XXXX I spoke with XXXX ( I am uncertain as to the accuracy of this name ). She reports no documents received. On XX/XX/XXXX I FAXED my third application. On XX/XX/XXXX to check progress. I was told they had no information. On XX/XX/XXXX I mailed my 4th application via certified mail number : XXXX. It was delivered XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I called again. I was told I needed to submit award letters for my social security and my pension. I told them on page 3 of the documents required it states this information can be submitted by 2 recent bank statements OR with an award letter. I at this point had submitted 4 copies of bank statements with the social security and pension deposits highlighted. On XX/XX/XXXX I mailed my 5th application. The issue of award letters so I FAXED them on XX/XX/XXXX. I sent my XXXX pension information and the needed the XXXX document. I FAXED the XXXX pension document on XX/XX/XXXX. I have not included the unreturned responses to my many phone calls and emails. I reached out to their Research Department as well as their Consumer Relations Department. On XX/XX/XXXX I called the Consumer Financial Protection Bureau. I spoke with XXXX. I was given on how to proceed with a complaint.
Consumer complaint received 2019-02-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (PA)

I've sent letters to this company three times now this is the next step to get them to answer me. i mailed a letter dated XX/XX/XXXX they never responded. I then mail a second letter XX/XX/XXXX. They have not provided me with any information showing that this account belongs to me at all.
Consumer complaint received 2019-02-11
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Manhattan Beach Venture, LLC (TX)

I am continually contacted by a student loan lender wanting me to consolidate my loans. The company is " The Student Loan Relief Department '' and they leave messages that are deceptive in nature. In general, the name seems to be deceptive in nature as well. The company calls and leaves messages that lead the consumer to believe that they are your federal student loan lender and need to talk to you about your loan to entice you to call them back. Their name and practice of their advertising/marketing is misleading.
Consumer complaint received 2019-02-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

Ive been banking with Chase Bank for 10 Years I have a checking account and two credit cards. I do Direct deposit with them I get paid every week on Friday with Chase but I've been on XXXX from work its been harder to pay the bills but Chase Bank closed my account XX/XX/XXXX. I called Chase to ask them why they said I'm bad for Business and they get to pick there customers. I was never told by Chase Bank how I can stop over drafting i was getting hit with {$35.00} fees I can't look at the total but add that all up I'm at {$1000.00} in fees. Chase Bank should of helped me not robbed me and they kicked me out there door. I was never told that if I over draft in my checking account have a savings, overdraft peotection, link an account or link a credit card.
Consumer complaint received 2023-08-08
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 (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau c/o Case Manager 1700 G Street N.W.

Washington, D.C. 20552 Dear Sir or Madam : The purpose of this letter to request a claim be opened against Wells Fargo over unethical business practices and business errors made by their Fraud Department in XXXX. Please find the details below. 

In XXXX of XXXX, my Wells Fargo checking account and debit card were compromised. Someone across the country ( I live in Virginia ) deposited a check into my account, which Wells Fargo temporarily cleared, and the person then used the funds to purchase XXXX from XXXX using my debit card. As soon as I noticed this activity, I reported the fraud to Wells Fargos fraud department. The representative indicated that the matter was being resolved. However, months later, I received a notice from Wells Fargo that I was being held liable for the charges since the merchant ( XXXX  ) said the charges were valid, even though I did not make them. 

The account has since gone to collections with XXXX XXXX XXXX XXXX XXXX They are asking me to pay {$4700.00} for the fraudulent transactions. After several phone calls and mailings, I informed the collections group that I had reported the fraud to Wells Fargo when it occurred. The representatives from Wells Fargo and XXXX XXXX XXXX inform me that the fraud claim was closed in XX/XX/XXXX and the credits reversed to the balance previously stated. 

I am asking that the Consumer Financial Protection Bureau step in, open a claim against Wells Fargo and XXXX XXXX XXXX XXXX for their unethical business practices and poor business practices, and clear my closed account of the balance and subsequent record on my credit report. If you have questions or need further clarification, please contact me at XXXX XXXX XXXX
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have filed disputes with all XXXX credit bureaus. The last time I disputed the results were sold to XXXX. 
XXXX accounts with XXXX with the acct. number XXXX XXXX account with OK STUDENT LOAN AUTHORITY w/account number XXXX as a paid collection which is also reporting incorrectly.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

My Unemployment benefits from Massachusetts in 2021 were frozen on my Bank of America debit. I have been trying to over a year to unfreeze my bank card and have had no such luck. Unemployment department tried to help, however the bank continued to put blame on Unemployment for the issue. I believe I am a victim of the Bank of America Debit Card Fraud Class Action.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (OK)

In accordance with the Fair Credit Reporting act XXXXXXXX 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
Consumer complaint received 2022-08-18
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. (TX)

I will be filing a civil lawsuit for violations of my federally constituted rights under 15 USC 1681 I will be seeking {$1000.00} dollars per violation. As noted there are at least 4 violations committed by XXXX Credit Bureau, and Equifax Credit bureau It is my request to the delete the accounts or pay me {$1000.00} dollars per violation ) 15 USC 1681section 602 ( A ), 15 USC 1681 section 604 ( A ) 2, 15 USC 1681c ( a ) ( 5 ) 15 usc 1681s-2 ( A ) ( 1 ) in accordance with The Fair Credit Reporting Act. CFPD Submitted in complaint # XXXX, XXXX
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (CA)

I respectfully request your offices provide me with competent evidence that I have ANY legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to ANY of the 3 credit reporting agencies ( XXXX XXXX and or XXXX ) this action may constitute fraud under Federal and State Laws. Due to this fact, if any negative marks are found on ANY of my credit reports by your company that you represent, I need them removed from all 3 credit reporting agencies. I also need documentation stating you removed the item from my reports.
Consumer complaint received 2022-08-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

to whom it may concern, i previously submitted a complaint directly with PHH mortgage so far no one has responded instead they still when ahead a placed an auction on my property. They know my loan is a bad loan I've been attempting to make payment towards my past due and so far nothing has worked. Each time i submit an application its a direct denial. That just tells me that no one is taking into consideration my file. I deserve a fair review and the opportunity to keep my house. I also demand for the auction to be postponed.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (PA)

I have a Barclay 's XXXX and XXXX Credit Card. Payment is due on the XXXX of the month. I paid the card on XX/XX/XXXX and received confirmation of the payment on the XXXX. Yesterday, I received notice that payment was past due. Rechecked online account access. Payment on XX/XX/XXXX reflected. Today, I received notice that payment was made on XX/XX/XXXX and was late. This is the second time. The first time the company agent said the late fee would be refunded ; it never was.
Consumer complaint received 2019-09-19
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: FC HoldCo LLC (PA)

Flagship Cre is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2024-02-09
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. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 2019-02-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAM National Arbitration and Mediation (DC)

I was contacted by this company they call their self XXXX XXXX. I was told I had a XXXX cell phone bill for {$800.00} back in 2004 and I should pay them {$270.00} to settle the debt. I dont remember this and Im being threatened if I dont pay them with in 30 days a lawsuit would be filed against me.
Consumer complaint received 2019-02-11
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. (FL)

The following addresses does not belong to me and are showing in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Also all the following names are incorrect/innacurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

On or about XX/XX/XXXX our mortgage was sold by XXXX XXXX to PNC Bank. After being sold we were contacted by PNC Bank who stated that we were required to pay extra into our escrow because of a company policy requiring us to have a cushion/reserve. If they purchased our loan how could they change the terms that were originally agreed on? This action seems predatory in nature. However after they threatened that if we did not pay it our home could go into foreclosure we came to an agreement to pay it over 24 months added into our monthly mortgage payment. 
In XX/XX/XXXX we prepaid half of XXXX property taxes approximately {$5000.00}. We continued to pay our regular mortgage payment including the escrow for the entire year. In XX/XX/XXXX PNC was contacted regarding the overage of the escrow account and they refunded {$2600.00} of the prepaid taxes. I was told that they would have to do another analysis at the end of the year and they would refund the difference minus any changes in taxes or insurance rates. 
After numerous phone calls I was informed today, XX/XX/XXXX that they took the remainder of the funds and put it towards their escrow reserve. This I did not authorize nor consent to. This reserve should not have been paid in the first place as it was not on my original loan agreement. They intimidated us with threat of foreclosure to pay their reserve escrow and now have taken money that was not authorized to go towards that in the first place.
Consumer complaint received 2019-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

I received a Installment Loan in the amount of {$700.00} in XX/XX/XXXX online from ACE Cash Express.The first payment was debited in the amount of {$310.00} with subsequent payments of {$200.00} with last payment of {$170.00} debited on XX/XX/XXXX. I received email indicated that the loan was paid. On Today XX/XX/XXXX I received email indicating that I still owed {$410.00} on the loan. I contacted the company, who indicared that they have norecord of the recent payment and even with this payment I would still owe {$41000.00}.
Consumer complaint received 2023-08-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (SC)

I was approved for a Partial Claim and XXXX sent documents to sign which I did. 
They said the docs were notarized incorrectly so they sent me another package to have notarized. I resigned notarized and sent this 2nd package back XXXX  on XXXX XXXXXX/XX/. Now they have transferred the servicing to M & T Bank. as of XXXX XXXX and the new company is stating I am short on the escrow because of hazard insurance never being paid for renewal XXXX XXXX XXXX Why? 
Now the new M $ T Bank says they have no record from XXXX about any valid docs signed for the Partial claim and that my mortgage payments are going to be XXXX a month instead of the normal XXXXI feel as tho I am being setup for failure because they can not approve a new partial claim unless I pay the new XXXX immediately and I am currently in default. 

This is a second complaint against XXXX and a new 1st complaint against M & T Bank.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my right, And lists of unauthorized inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Fraudulent charges appeared on my account and XXXX from capital one told me that since this has happened before and because the chip was used, I will be charged for purchases that I did not make nor did I authorize. Capital one notified me of the fraud in the beginning which I didnt even know about and now they say I am responsible. They have no accountability and no desire to help their customers. She indirectly called me a liar. The insinuation that fraudulent activity does not happen to someone more than once in a one year was a foolish and disrespectful thing to say. After this, Im done with capital one. I will be filing complaints with every government agency you are regulated by.
Consumer complaint received 2019-04-08
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: The Receivable Management Services LLC (PA)

i checked my XXXX and XXXX report to see this account listed from RECEIVABLE MANAGEMENT for XXXX XXXX. I can not recall opening an account with XXXX as I am only XXXX year old. However, in a good faith, i would like to satisfy my debt by settling with {$170.00} to delete and remove the negative trade line from my report and credit as i am young, and trying to establish myself as an adult. I am newly married to an XXXX in the XXXX XXXX XXXX and we are trying to purchase our new home prior to him XXXX  to XXXX in six months.
Consumer complaint received 2019-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NV)

I've been requesting since last year verification & validation, according to the FCRA. This company has been given Section 623 letters of the FCRA and have refused to provide me with any physical proof regarding this account. I informed them that the original creditor is not XXXX  accredited, their business can't be found through CFPB website, they have no website or email address, they don't give information over the phone, and they don't have any contract between them and myself ... That being stated, why is this on my report?! I don't even know who the heck these people are!
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

I opened a Chase Card Services - XXXX XXXX credit card account in XX/XX/XXXX, and purchased approximately {$800.00} in 2 weeks on it - nothing purchased afterward. I forgot about this card. 
The FIRST bill I received wasn't until XX/XX/XXXX! I called them right away to try and reduce the charges and pay off the account balance. I was told I need to wait a week and do this during the next billing cycle. I made a {$200.00} good faith payment right then. 
On XX/XX/XXXX, I talked with a supervisor on a recorded line. She told me that if I paid {$600.00}, then the account would be paid off, and I would owe nothing further. I asked her again if I would owe NOTHING FURTHER if I paid this amount and on a recorded line she repeatable assured me of this. 
The next month, I got a bill ( for something less than {$100.00} ), and called back on XX/XX/XXXX. I talked with another supervisor, XXXX, who cleared the charges and told me I OWED NOTHING. He also repeatably assured me on a recorded line that I OWE NOTHING FURTHER. 
I now have a new bill for {$49.00}. I called on XX/XX/XXXX and talked with XXXX, who said she could do nothing for me. 
After being lied to at least 6 times, and told at least that many times I owed nothing further, but I keep getting bills, Im contacting you for help.