davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I am in the process of removing PMI. As instructed by Truist. I started this process in XX/XX/XXXX and ( all in the company records and my recorded calls ) have sent multiple checks to have my house appraised. Every time I call the customer service rep gives me conflicting information. On my last call in XXXX, I was assured that they had my check and that the appraiser would be calling to set up the appointment within 120 days. 

Now it's XX/XX/XXXX and I called again this morning to get an update and the customer service rep is stating that I have not even started the process and need to mail a check to the same address I've already sent 2 checks to. I refused to mail a 3rd because this is outrageous after all the records they have of me going through THEIR process and following THEIR instructions. Again I started this process in XXXX of XXXX and it's now XX/XX/XXXX with them stating I need to start all over. 

The calls are all recorded, I've been told so much different information at this point I only want to speak with a manager and have still never received a call from anyone. I feel like I am getting the runaround and being lied to. I am trying to just follow their steps yet they fail to make sense and provide support.
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AL)

There was a problem with my escrow account beginning XXXX. I was charged twice for insurance. There were additional escrow problems at that time as well. I have spoken to this company many times, and all conversations have been recorded. Every time I get things straightened out, the system never picks up the changes that need to be implemented. XXXX XXXX one of their representatives recently requested that a manager call me, however they never called, but ; they did notify me that they are reporting me for a late payment that I do not owe.
Consumer complaint received 2023-03-31
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION (OH)

SALLIE MAE CLAIMS I AM A CO SIGNER FOR A PRIVATE STUDENT LOAN OPENED IN 2013. THE ACTUAL BORROWER NAME IS XXXX XXXX WHO IS MY EX GIRLFRIEND 'S DAUGHTER. THIS COMPANY HAS REPORTED THIS DEBT ON MY CREDIT BUREAU AS A CHARGEOFF. THEY ALSO ARE CONSTANTLY SENDING ME LETTERS AND EMAILS. I NEVER SIGNED ANY PAPERWORK COSIGNING FOR THIS PRIVATE STUDENT LOAN. I HAVE DISPUTED THIS THRU MY CREIT BUREAU AND ALSO HAVE SENT THEM A FAX IN WIRITNG ASKING FOR VERIFICATION OF THIS DEBT SHOWING MY SIGNATURE ON A CONTRACT AND TO STOP CONTACTING ME. TO NO AVAIL THEY HAVE DONE NEITHER.
Consumer complaint received 2023-03-31
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 (NY)

I have never opened a credit card account before in my life. No all of a sudden I go to apply for one, and theres a credit card opened in my name already. Someone has stolen my identity. And this is not the first time this has happened. I dont understand how someone can get my information and open up accounts thats not them. I need help to fix this asap
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

To Whom It May Concern : I dispute your claim and request validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide a breakdown of fees, including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document ( non-electronic ) that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA. 
Send this information to my email above and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have contacted transunion 5 or 6 different times and I am fed up. I sent them my FTC report I also sent in other letters I also sent them id to verify whom u was. they actually was on a call with me last week for almost a hour from me complaining because instead fixing what Ive sent to them they accidentally deleted information on my report that was legit that I NEVER once asked them to. The rep even got back on the one and said how sorry he was because he can see that I NEVER DID ask them to delete the inquirie that they did and he was sorry but their mistake could have ruined a good standing account for me because of THEIR mistake. I have sent my ftc report and letter endless to them. I have contacted police but they told me without a name cant do anything to contact credit reporters which I have. XXXX  and XXXX both have been great but trans union havent done nothing with what I have sent them. I would like for them to process my FTC REPORT AND delete the inaccurate information I have listed AND ONLY the information I have listed on ftc report and not make any more mistake and they are not giving me my rights and asked me for my FTC report I sent it and now they have done nothing. I have for the last two or so months been trying to get transunion to help me with this and I have sent all paperwork to them and my ftc report a few different times and still NOTHING HAS BEEN done and they even responded to my last complaint that it would be done and still has not followed my rights and followed threw on their response to do as they said and this is information that is inaccurate and not mine and needs to be DELETED
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

I had a credit card with Best Buy. It was enrolled in automatic payments from my checking account. In XX/XX/2016 I went to the store and they said the account was closed because I did not pay my bill. I was surprised and tried to fix the situation with the creditor. They said that would open an investigation, and the next month they started again with the automatic payment. But, in my credit report is showing late payments, account closed by credit grantor and I am current paying this bill. Also, they never notified me that the payment did not go through.
Consumer complaint received 2019-06-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I contacted XXXX XXXX about 2 months ago, in late XX/XX/2019, to dispute fraudulent charges on both of my credit card accounts and had reported to them that about a year ago, my identity had been stolen. I spoke to a representative and explained that I was only able to see less than a year 's charges on my account, but, I wanted to dispute the charges that I was able to see at the time and that I would call back after this investigation to request help in viewing the rest of the account that I could not view. I spent about 45 minutes on the telephone with the representative, while she asked me questions and took down the information for my dispute -that included the vendors, dates, and amounts. She stated that the investigation would take about 30 days and that XXXX may contact me regarding further questions, if needed ; and that I should hear back from them. I did not hear back from XXXX XXXX within those 30 days, except one email on XX/XX/2019 stating that they received my complaint ( but it was for only one account which ended in XXXX. The email did not have any mentions of the other account ending in XXXX. I contacted XXXX XXXX a second time, in XX/XX/2019, asking about the results and the representative stated that she would cancel the cards on the account, but without stating the results of the investigation. I contacted XXXX XXXX a third time, on XX/XX/2019, regarding update for the investigation, stating that I have not heard anything from them regarding the investigation. I was transferred to 3 different representatives, all of whom stated that there was no documentation in their system of my investigation, or that I had disputed any charges. One supervisor, name " XXXX '', whom was very professional and helpful, apologized that this had happened and stated that I put in another dispute of the charges and this time ask for the fraud department, once I gather the information again. XXXX XXXX handled my dispute of the fraudulent charges unprofessionally, never documenting that I put in a dispute, even after the representative had me on the telephone for over 45 minutes -supposedly documenting my dispute of the charges. XXXX XXXX is aware that my identity had been stolen and still not properly handle my dispute of fraudulent charges in a professional and resolvable way, leaving the charges on my account and having me pay monthly for charges that I do not owe.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and noticed a multitude of inquiries by ( EXPERIAN, XXXX, & XXXX ) which I DID NOT initiate and am requesting removal. 

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 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 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 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 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 2017-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX  's client  XXXX   XXXX  is an identity theft victim. Several fraudulent applications for credit cards were submitted to various credit providers with his information without his consent. We have attempted to dispute the fraudulent inquiries from his credit report however  XXXX  has proven difficult and is currently in violation of federal consumer law and his rights.  Capital One  has been notified twice in writing of the fraudulent application and inquiry made into  XXXX   XXXX  's credit however Capital One is now advising they will not remove the inquiry even though a police report naming Capital One was provided to them. In addition  Capital One  has sent information to our client explaining to they searched their records for an account number and found no such information, when our dispute criteria clearly listed we were disputing an inquiry not an account.
Consumer complaint received 2019-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I contacted XXXX XXXX about 2 months ago, in late XX/XX/2019, to dispute fraudulent charges on both of my credit card accounts and had reported to them that about a year ago, my identity had been stolen. I spoke to a representative and explained that I was only able to see less than a year 's charges on my account, but, I wanted to dispute the charges that I was able to see at the time and that I would call back after this investigation to request help in viewing the rest of the account that I could not view. I spent about 45 minutes on the telephone with the representative, while she asked me questions and took down the information for my dispute -that included the vendors, dates, and amounts. She stated that the investigation would take about 30 days and that XXXX may contact me regarding further questions, if needed ; and that I should hear back from them. I did not hear back from XXXX XXXX within those 30 days, except one email on XX/XX/2019 stating that they received my complaint ( but it was for only one account which ended in XXXX. The email did not have any mentions of the other account ending in XXXX. I contacted XXXX XXXX a second time, in XX/XX/2019, asking about the results and the representative stated that she would cancel the cards on the account, but without stating the results of the investigation. I contacted XXXX XXXX a third time, on XX/XX/2019, regarding update for the investigation, stating that I have not heard anything from them regarding the investigation. I was transferred to 3 different representatives, all of whom stated that there was no documentation in their system of my investigation, or that I had disputed any charges. One supervisor, name " XXXX '', whom was very professional and helpful, apologized that this had happened and stated that I put in another dispute of the charges and this time ask for the fraud department, once I gather the information again. XXXX XXXX handled my dispute of the fraudulent charges unprofessionally, never documenting that I put in a dispute, even after the representative had me on the telephone for over 45 minutes -supposedly documenting my dispute of the charges. XXXX XXXX is aware that my identity had been stolen and still not properly handle my dispute of fraudulent charges in a professional and resolvable way, leaving the charges on my account and having me pay monthly for charges that I do not owe.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reached out to the bureaus in regards to this situation several times and they keep violating my consumer rights. this is my last attempt to resolve this issues in this manner. I will be reaching out to the secretary of state next in regards to their abuse of power and their failure to properly investigate inaccurate information. I am requesting that their response include : 1. I have a simple request. What procedures does your company have in place to investigate accounts?

2. I am requesting you send me a copy of your policy and procedures?

3. Are your procedures congruent with Title 15 Subchapter III in reference to credit reporting agencies?

4. What data are you basing your verification off?

5. Provide me with the names and business address of the persons with whom you contacted/verified these items, so that I may contact them myself.
Consumer complaint received 2023-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M. G. Credit, Inc. (FL)

I really do not know why this is happening... it may be because someone either used my information, or potentially someone with the same name as mine, even by error that the company refuses to admit, but I have reached out to the company multiple times, and I have disputed the information on my credit reports ( XXXX, XXXX, and XXXX ). The problem is that the company is refusing to remove this charge. I was a client there, but these charges are not mine, and as described to me, some of the charges are for FUTURE XXXX XXXX. The medical office policy is that the charges are paid for at the time of service, so it is impossible that there would be any unpaid balance. Whatever the reason, I would like this resolved. I have perfect credit and I always pay my bills on time, and this is a blemish that I do not deserve.
Consumer complaint received 2020-09-24
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

On XX/XX/XXXX, I contacted XXXX XXXX  concerning a XXXX XXXX  XXXX advertised on their website and spoke to a sales agent by the name of XXXX  XXXX in which I informed him I would like to trade in my existing lease ( XXXX XXXX XXXX ) in for a XXXX XXXX  XXXX. During the initial discussion, I inform XXXX  I was already approved with XXXX XXXX with no money down and they would accept the trade in and send me off in the new XXXX  waiving any other fees thanks to promotions sent to me and my wife to continue our relationship with Nissan. XXXX  confirmed all Nissan  promotions offer thru XXXX would also be honored @ XXXX. Currently this would make me and my wife 4th lease, so we are completely aware of how this should go at this point. However, currently I am being billed for the previous XXXX  indicating a balance of {$800.00} after leasing the new XXXX XXXX XXXX. At this point, Im being put in the middle of Nissan Motor acceptance Corporation and XXXX XXXX  each blaming the other. Nissan corporation XXXX XXXX entered the new lease incorrectly not showing it as a trade in or apply any of the promotions discussed. XXXX XXXX says they had no way of knowing the remaining balance on the lease but only received information from Nissan corporation that 2 months were remaining. I even put {$1000.00} down to which Nissan Corporation states not seeing the check sent to them concerning the car. Please assist with waiving the remaining balance as I have a new lease and shouldnt have accrued any penalties due to the trade in due to special promotions via mail ( which also still is coming to me as well XXXX.
Consumer complaint received 2017-01-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

In regards to account number ******* with Texas XXXX XXXX XXXX : Payment to Texas XXXX was paid and accepted in full from XXXX XXXX XXXX. After speaking with several representatives, I have been getting nothing short of the " run around ''. In my most recent call, I was told to contact the insurance company directly to verify the payment was made. I informed the representative that this had already been done, the check was sent to Texas XXXX, and is showing as cashed. On XXXX XXXX, XXXX, my account was placed in collections with CMRE Financial Services. They are now attempting to collect a debt that does not exist. Neither company will directly contact each other to resolve this in a timely manner. As of now, I have been assured by Texas XXXX that they would take me out of collections effective XXXX XXXX XXXX, but this withdrawal from collections is temporary until this issue is completely resolved. I have had multiple conversations with Texas XXXX where they have promised to take care of this situation, but so far have failed to do so.
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

If you would please be so kind and review my previous complaint with Wells Fargo, it would be most helpful. You will understand the whole complaint. They never resolved anything with me, nor were they helpful. They dismissed my complaint and foreclosed on my home. It was heartbreaking and devastating.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2023 there was an unauthorized wire transfer of {$14000.00} out of my checking account. It was sent to XXXX XXXX XXXX out of North Dakota. On XX/XX/XXXX, I noticed not only that wire transfer, but XXXX transfer from my savings account to my checking account. XXXX for {$6500.00}, and another for {$7500.00}. And yet another wife transfer of {$14000.00} being processed. I called Chase immediately they instructed me on how to attempt to stop the wire. They opened up a secondary checking and savings account and moved the little remaining balances I had. So now, in 2 days I have a total of {$28000.00} missing out of my accounts. Chase told me theyd attempt to reach the receiving bank to have the wire transfers reversed. They then told me to wait XXXX business days. On XX/XX/XXXX I received a notice that they concluded that I benefited from the transfer, or I authorized it. I clearly did not do either. There is no mention of trying to reach the receiving bank and being unsuccessful. This leads me to believe there was in fact no attempt made. In addition, they charged me {$25.00} per wire transaction. My account is set up for fraud alerts, I received no phone calls or text messages when this was happening. The activity on my account was clearly out of the norm and should have been flagged. Im a XXXX veteran, and Ive worked very hard for my money and now its just gone. I hope whoever reads this, acknowledges that there needs to be better protections in place for consumers. I have attached the account transactions that show the wire transfer numbers. XXXX of the transactions states reversal of unauthorized wire transfer. I have also enclosed the person and banking info the wire went to.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

this account is part of idenity theft and is not mine, per 15 usc 1681c-2 block of infromation resulting from identity theft, and 15 usc 6802 obligations with respect to personal information