davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I had a checking account XX/XX/XXXX with Huntington Bank. I had a item that returned and was NSF fee at the time. This fee was unpaid due to the lack of me being able to afford it and over time the fees were just tacked on to make my balance {$170.00}. I have since then filed bankruptcy in XX/XX/XXXX. Today, I have a checking account with this same bank and have for a year now. Today I wake up to my account being short {$170.00} because they decided after three years and since then a new account, they would take their money without me being aware of it. This debt has not only been sent to collections but was also included in my bankruptcy.
Consumer complaint received 2020-11-02
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. (FL)

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Georgia XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1989 Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 



USDOE/XXXX {$46000.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) {$810.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$1000.00}
Consumer complaint received 2016-06-06
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

A few months ago, I file a complaint against Capital One Credit Card regarding XXXX fraud alert letters I received from its Fraud Department. 
I had been instructed to send a copy of a state identification card, social security card and proof of street address. Before sending the same, I verified the validity of the three letters. On XXXX XXXX, 2016, I faxed the requested document to the number provided by Capital One. To date, the company still claims that it has not received the same. I, in turn, notified all XXXX major credit bureaus regarding the fraud alert. I received a reply for XXXX which stated Capital One had frozen all XXXX accounts because I had exceeded my limit on XXXX and failed to make the XXXX XXXX payment on time. As a result, my credit score was dropped to XXXX. When I contacted Capital One, I told the Fraud Department representative that based on the letters from CO, the accounts were frozen because of alleged fraud. As well, I had to verify my identification with CO, yet, it allowed someone to open a XXXX account under the pretext that the person was me. 
Last week, I contacted CO about a payment on XXXX of the legitimate accounts and I was reprimanded for failing to provide requested documents verifying my ID. I explained to the representative that I failed to understand how CO protect my identity when it allowed someone to open a XXXX card. 
I was told that the account had been closed and removed from my credit report. 
CO never notified me of the same, nor, as it claims, was CO able to verify identity. I never received any notice ( letter, email, or telephone ) clearing the Journey account and I need to know what CO is doing to resolve this matter. As present, CO is damaging my ability to apply for credit or a loan. I need CO to resolve this matter quickly and amicably. 
As for the purported late payment, I obtained a receipt from my bank indicating that the payment was paid on time on XXXX.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ECMC GROUP, INC. (OH)

I am a  XXXX   XXXX   XXXX  veteran. On my report for  XXXX  there are  XXXX  ECMC accounts, all are account number  XXXX . That were disputed that were closed and then removed from the report. 2 Days later they showed back up on my report as new accounts and i have since placed new disputes on this. How can they remove then re add these accounts?
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My husband and I were contacted by Capital One around the XXXX of XXXX XXXX about refinancing the mortgage on our condo, which we bought in XXXX. During the initial interview with the Capital One representative, I shared our adjusted gross income numbers from our XXXX and XXXX tax returns. The company contact pulled our credit report and told us, based on our XXXX and credit scores and likely appraised value of our condo, that we would qualify. Over the next seven weeks, we diligently supplied them with all the documentation they requested, even though they frequently " misplaced '' our documents and mis-communicated their requirements. Today, we were informed by our contact there that we did not qualify for refinancing due to our income levels. These were the same income amounts I shared with him during our initial call. He apologized and said, yes, " if the bank had better had better systems, we would have known earlier that your income would not have qualified. '' We spent numerous hours collecting information for them as well as {$60.00} for to our condo management association for the insurance certificate. I am still mystified as to why we did not qualify as our credit situation as not changed and our income has risen since we qualified for our initial loan in XXXX. Based on the appraisal, our condo has increased in value by {$120000.00}. It is apparent to me that Capital One does not have the systems in place nor adequate hiring and training to be in the lending business.
Consumer complaint received 2016-06-13
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

on XXXX I was contacted by a company by the name of XXXX XXXX XXXX XXXX ). XXXX XXXX had my debt information on An Ace Check Cash payday loan. She verified my personal information and all the information was correct. I setteled for XXXX. I was told that I would get an email confirming payment. I did not get one so I called them again. I also looked at my statement and found that a company by the name of XXXX XXXX deducted the XXXX. I called by prepaid card customer service and was told that it was XXXX XXXX in Ga. I have not been able to contact anyone at XXXX. I then call Ace Home office and they gave me the collection agency name and phone number. It was not XXXX. They still has my file and was told that XXXX ( XXXX ) ws a scam. I paid them XXXX and I ca n't recover it per ACE. Here is XXXX information AKA XXXX XXXX AKA XXXX AKA XXXX XXXX AKA XXXX XXXX, XXXX. 
Posted in : XXXX XXXX
Consumer complaint received 2023-03-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo reached a settlement regarding mortgages between XXXX and XXXX. I purchased my home in XXXX with Wells Fargo and struggled making payments. I asked for assistance with any program and asked to even reach a settlement in an effort to keep my home. Wells Fargo did not work with me at all and I lost my home in XXXX. Becoming homeless due to Wells Fargo pushing me out of my home.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

Description of the Incident : During the period of XX/XX/XXXX to XX/XX/2024, unauthorized transactions totaling {$4900.00} occurred on my Citibank account. These transactions were not initiated by me, and I noticed them when reviewing my account statement. I promptly reported these to Citibank and expected a thorough investigation and resolution. 
Actions Taken : After discovering the unauthorized transactions, I immediately contacted Citibank 's customer service for clarification and dispute resolution. Despite several attempts to understand how Citibank reached their decision, the information provided was insufficient, and communication was abruptly ended, leaving my concerns unaddressed. 
Subsequent Developments : Following my report to Citibank, an initial investigation was conducted, after which Citibank denied my dispute. I then filed a complaint with the XXXX, but Citibank once again denied the claim. The lack of transparency in Citibanks investigation process and their failure to provide concrete evidence supporting their decision has left me with unresolved questions regarding the security of my account. 
Request for Specific Information : Given the situation, I am requesting Citibank to provide detailed information regarding the disputed transactions. Specifically, I am seeking exact timestamps, IP addresses, and locations of where each transaction occurred, along with any other relevant data that can help identify the nature and source of these unauthorized transactions. This information is crucial for me to understand the security breach and to take appropriate steps to safeguard my financial assets. 
Conclusion : I have been a loyal customer of Citibank for over 10 years, and this situation has significantly impacted my trust in the banks ability to protect my financial interests and resolve disputes effectively. I am seeking the intervention of the Consumer Protection Agency to ensure a fair and transparent resolution of this matter.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

Check ( XXXX ) was deposited in ATM and was instantly put on hold for 10 days. I called chase and they informed me the check needed verification and would be available as soon as that happened. They said if the check was good it would clear the 10th day regardless. The hold on the check completely froze my account and I had no access to funds for food, phone, rent, children, gas. It was a terrible situation that hasn't been resolved and they are still holding my check of XXXX  and refuse to help. And also terminated my account.
Consumer complaint received 2022-09-05
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (LA)

Back in XX/XX/XXXX i submitted an identity theif disputes along with a official copy of my police report to all national credit agencies once I realized my identity had been stolen. The company did n't follow the FCRA laws regarding information on my credit report due to identity fraud. It states all fradulent items in my name should be blocked permanently and immediately because my private information had been compromised. There are still several fraudlent accounts reporting on all 3 of credit bureaus and I would like them removed immediately or a XXXX dollars in restitution for breaking federal laws. The negative accounts still showing that are not mine are XXXX XXXX XXXX credit cards a XXXX card and XXXX gas card opened in XX/XX/XXXX and a XXXX and XXXX XXXX furniture account. Of course the creditor will be able to verify me because my identity was stolen and used so that 's no excuse to not follow the law.
Consumer complaint received 2016-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Hillcrest Davidson & Associates (CA)

Hillcrest Davidson & Associates contacted my mother ( XXXX Party ) about a frivolous claim that I formally disputed and have not been provided backup or documentaion on. 

1. Disclosed detailed information about disputed claim including slanderous allegations of fraud. 
2. Obtained the contact information illegally from an employer ' s emergency contact information. 
3. Continously harrasing XXXX party after being asked not to ( In writting ) on several occasions.
Consumer complaint received 2016-09-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems (DC)

Upon checking my credit report, I saw that Midwest Recovery Systems had placed XXXX separate accounts, which I have no knowledge of, on my credit as a negative collection. XXXX for {$300.00} and XXXX for {$270.00}. The so-called creditor is Purchasing Power? I have no knowledge of these accounts. There was no account numbers provided. I have had no contact from this creditor at all. I have sent a letter of complaint to Midwest Recovery Systems. I am a XXXX, and it is possible that this debt is my father 's. But I am leery of that also.
Consumer complaint received 2022-02-12
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: Experian Information Solutions Inc. (FL)

I have all these collections and inquiries on my reports and theyre saying theyre verified I have my identity completely stolen I have file with FBI local police and Internet crimes theyre believing these people who say I owe and I dont and why would I intentionally put 75 inquiries on my own credit report?? I dont have any bills they even wipes out my medical records
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NC)

My mortgage was recently transferred to a servicing company LoanCare, a XXXX XXXX. When I called to setup XXXX payments the servicer said that they could not accept XXXX payments and only accept XXXX payments. They, in turn, offered a service through a third party company, XXXX XXXX. XXXX XXXX charges a fee to collect XXXXXXXX payments of {$290.00} and then roughly ~ {$2.00} per XXXX payments. This sets me at a detriment because I am being forced to choose between paying this fee or paying monthly. Either way the servicer is maximizing fees or maximizing interest at the expense of the customer.
Consumer complaint received 2016-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2021 I attempted to unfreeze my credit with the 3 major entities my bank is utalizing for my mortgage preapprovel. I had no issues with two of the entities. The third, Experian I could not utilize the phone, which is entirely automated or by website to unfreeze my credit. When I asked by phone to speak with a representative, I was told by automation it was not allowed, and gave me instructions how to request unfreeze by snail mail or website and eventually the automation hung up on me. I then attempted to unfreeze by website. Completed the same info and pin I provided by phone. Error. I tried for my entire lunch. I then tried to find how to get a real person..only FAQ on website under customer service. No live chat. Only online number to be found is totally automated number. Tried both platforms today..same results. I then went to their XXXX  page, under public post..not surprisingly..lots of complaints..no one csn get a live person. Appears this platform is monitered as posters are asked to XXXX. This is unacceptable, it harms the Elderly, XXXX, low income and impacts peoples lives. My account is still unfrozen.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

Asked CHEXSYSTEMS to verify information that was incorrect on my credit report. They were unable to numerous times even after numerous times I contacted them numerous times and they still have not verified and put accurate information on my chexsystems report which has caused banking issues.
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IA)

There is a collection item on my credit report for XXXX. I can not even remember if I have used XXXX in the past. If I did it had to have been over 7 years ago because I have been with XXXX XXXX for so long I ca n't even remember. There is not anyway I would have left a balance with XXXX. I have not been provided with any documentation that supports this amount
Consumer complaint received 2022-09-05
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. (TX)

On XX/XX/2022 I contacted XXXX about removing accounts from my consumer report. I made several calls to the company. On my last call I was told that the XXXX XXXX XXXX account would be removed from my consumer report within the week. It has now been a month and the account is still there. I was a given a confirmation number XXXX. I let them know they are violating 15 U.S. Code 1681.
Consumer complaint received 2023-03-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I HAVE BEEN CURRENT WITH MY MORTGAGE PAYMENTS FOR XXXX  YEARS. COMMUNITY LOAN SERVICING BAYVIEW LOAN SERVICING, LOAN # XXXX HAS BEEN TRANSFERRING MY LOAN TO SEVERAL LOAN SERVICING COMPANIES WITHOUT INFORMING ME ABOUT THEIR DECISSIONS. IN XX/XX/2022 THEY TRANSFERRED IT TO XXXX XXXX XXXX. THE PAYOFF AMOUNT WAS {$170000.00} AS OF XX/XX/2022 BUT NOW IT IS {$180000.00} AS OF TODAY, FOR THE LAST XXXX  MONTHS THEY INCREASED THE PAYOFF AMOUNT SUSTANTIALLY. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX OF XXXX XXXX XXXX WERE TELLING ME THAT THEY WERE WORKING ON MY LOAN MODIFICATION TO GET MY MONTHLY PAYMENTS STABLISHED AND WITH SAME TERMS AND CONDITIONS. THEY ASKED ME IF {$650.00} MONTHLY PAYMENTS WAS OK WITH ME i ANSWERED YES. I REQUEST THAT MY MORTGAGE ACCOUNT STAYS WITH COMMUNITY LOAN SERVICING BAYVIEW LOAN SERVICINB SINCE THEY WERE OFFERING ME HELP THROUGH THE GOVERNMENT PROGRAM SINCE I LOST MY JOB DUE TO XXXX. PLEASE I NEED TO FINISH WITH THIS NIGHTMARE. I AM A SENIOR CITIZEN DREAMING ABOUT TO HAVING SOME PEACE OF MIND AT MY AGE. GOVERNMENT PROGRAM WAS OFFERED TO ALL CITIZENS WHO LOST THEIR JOBS DUE TO XXXX  TO AVOID LOOSING THEIR HOMES AND I HOPE THIS GOVERNMENT PROGRAM REALLY IS TO HELP US TO KEEP OUR HOMES. I WORKED VERY VERY HEARD TO RAISE MY CHILDREN AS A SINGLE MOTHER AND ALSO PAYING MY MORTGE ON TIME.
Consumer complaint received 2019-05-22
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)

to whom it may concern. I XXXX XXXX am a victim of id theft. i have obtained a police report, id theft report and much more. here are the fraud accounts that i need removed from my report asap. 

XXXX XXXX XXXX XX/XX/XXXX {$3800.00} XXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX {$1300.00} XXXX XXXX   XXXX/XXXX {$36000.00} XXXX XXXX  XXXX/XXXX {$30000.00} XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX {$4200.00} XXXX/XXXX XXXX XXXX {$2800.00} CAXXXXITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX {$1600.00}