davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-05
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: NAVY FEDERAL CREDIT UNION (WA)

I have previously submitted a fraud claim to Navy Federal Credit Union for all of the transactions that were charged to my credit card between XX/XX/XXXX - XX/XX/XXXX totaling {$27000.00}. For NFCU to say that these transactions are not fraud is completely wrong. Please pay attention to the words and documentation that I have submitted in this complaint. During these dates I was serving my country on a submarine in the depths of the ocean with NO access to the internet or to my cell phone. I have attached my statement of service stating that I was onboard a XXXX  during these dates. I went on XXXX on XX/XX/XXXX and prior to that I had called XXXXXXXX XXXX XXXX XXXXo suspend my cellphone service. The person who defrauded me had called XXXX XXXX XXXX after I had left for XXXX and she convinced XXXX XXXX XXXX to keep my cellphone service active WITHOUT my consent. This allowed her to receive text messages from NFCU and allowed her to change my passwords all while pretending to be me. She also did this with my XXXX accounts. I have attached my XXXX XXXX XXXX usage report during these dates. You can see that text messages from NFCU ( SMS code XXXX ) were received on XX/XX/XXXX most likely allowing her to have my personal information and passwords changed while I was on XXXX. I DID NOT authorize these transactions and I am a victim of identity theft. I was severely and maliciously defrauded. I have attached police reports that document that the person who did this is a XXXX XXXXXXXX / serial defrauder. I also found that a bench warrant was issued for this person 's arrest in XXXX ( also attached ) for contempt of court in a case where she stole the identity of a service member serving in XXXX and she opened multiple credit cards in this persons name. She also opened 5 credit cards in my name and with this new information that I have provided both XXXX XXXX and XXXX XXXX Department Store has recognized that I was defrauded and they had their bank 's entries deleted from my credit profile. Furthermore, she also sent money to her daughters from my XXXX account totaling {$7200.00} while I was on XXXX. XXXX has recognized that I was defrauded and had those funds returned to me.
Consumer complaint received 2024-02-29
Product: Credit 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 (NY)

ON OR AROUND XX/XX/year> I ORDERED A BEDROOM SET FROM XXXX XXXX XXXX XXXX LOCATED XXXX XXXX XXXX XXXX XXXX XXXX IN THE TOTAL OF ALMOST {$8000.00}. I ORDERED A FOAM PILLOW TOP MATTRESS WITH THE BEDROOM SET I WAS TOLD BY THE FURNITURE STORE AGENT THAT I WOULD RECEIVE MY BEDROOM SET IN THREE WEEKS TIME ON OR AROUND XXXX XX/XX/year> TWO DAYS LATER AFTER I PLACED THE ORDER I CAME HOME AND SAW TWO SMALL BOXES ON MY PORCH I CALLED THE STORE TO FIND OUT IF THEY MADE A DELIVERY THEY TOLD ME YES I ASKED WHAT WAS IN THE BOXES THEY INFORMED ME IT WAS THE MATTRESS AND THE BACK SPRING SUPPORT WHEN I OPENED THE BOX I SAW A COIL SPRING MATTRESS BUT I ORDERED A FOAM PILLOW TOP MATTRESS I RELAY THAT INFORMATION TO THE STORE AGENT HE TOLD ME IT WAS ALMOST CLOSING TIME AND I SHOULD CALL BACK ON MONDAY WHEN I CALLED ON MONDAY EXPLAINING TO THE AGENT THAT THE MATTRESS THEY DELIVERED WAS NOT WHAT I ORDERED I EVEN TOOK A SCREEN SHOT OF THE MATTRESS I ORDERED ON THEIR WEBSITE AND SENT IT TO HIM HE BLATANTLY TOLD ME THEY ARE NOT GOING TO CHANGE THE MATTRESS I THEN TOLD THE AGENT TO SEND THE DELIVERY COMPANY TO PICK UP THE TWO PIECES AND HE SHOULD CANCEL MY ORDER I IMMEDIATELY CALLED MY CREDIT CARD COMPANY AND INFORMED THEM OF THE SITUATION AND TOLD NOT TO PAY THIS MERCHANT BECAUSE I CANCELED THE ORDER NUMEROUS TIMES SIX MONTHS LATER I WAS STILL TRYING TO DISPUTE THE CHARGES WITH CAPITAL ONE CREDIT CARD COMPANY BUT THEY REFUSE TO REMOVE THE CHARGES FROM MY CREDIT CARD ON XX/XX/year> I CALLED CAPITAL ONE AND ASKED TO SPEAK WITH A SUPERVISOR AND EXPLAINED TO HER WHAT TRANSPIRED BETWEEN MYSELF AND THE FURNITURE COMPANY SHE CALLED THE STORE AND WE HAD A CONFERENCE CALL THE PERSON AT THE FURNITURE STORE ADMITTED TO THE CAPITAL ONE SUPERVISOR THAT THEY DID NOT DELIVER THE FURNITURES BUT STILL CAPITAL ONE REFUSE TO REMOVE THE CHARGES NOW MY CREDIT CARD BALANCE HAS BALOONED TO ALMOST {$12000.00} THIS IS HIGHWAY ROBBERY I LATER DID SOME RESEARCH ON THE FURNITURE COMPANY AND THERE ARE COUNTLESS COURT CASES AGAINST THEM BY CONSUMERS.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

To whon it may concern. I had a XXXX XXXX in XXXX I was very happy with that and now I have a new XXXX XXXX XXXX. I took out my credit report and I was all shocked. seeing a late payment on the XXXX XXXX XXXX when I called them they told me I was 60 days late .I told them that I never got any letter in the mail they told me you have to know without getting your statement in the mail. But I was paying online auto pay and how should I know that the payment did n't went thru with out getting a letter in mail. Then I went to toyota financial They ignored it. Please help me They should take down the negative late payment from my credit report as soon as possible because i never got any letter or email that the payment did n't go through how in the world should I know to make a payment thanks XXXX
Consumer complaint received 2015-03-28
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: Rent Recover, LLC (IL)

I am XXXX but I have a device to assist me with XXXX but I could not understand the gentleman 's name, I think he said XXXX, from Rent Recovery. I also live with a XXXX XXXX that requires me to have XXXX every XXXX months ; which compromises my job. 
However, XXXX of all, this guy continues calling what he thinks are relatives of mine regarding a debt that I 'm making payments on. I offered to resolve the entire debt but the collector is refusing to take a lump sum of money I currently have access to which is {$980.00} but I also said I can put an additional {$200.00} with the amount. I make payments of {$25.00} a month but when I have to see my doctor to pay for XXXX, I sometimes I make the payment late. 
I ca n't say for sure which company is this because they 're refusing to send me written confirmation with their information on it.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (MD)

XXXX XXXX XXXX has inaccurately reported my account with a balance of {$710.00} dollars. It accurately reports there were no late payments and the account was closed in XX/XX/2017. My credit report is showing this account as a charge off. The account was sold to XXXX XXXX. Please investigate further.
Consumer complaint received 2017-10-02
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (NY)

I have a reverse mortgage and I am being taken advantage of by my mortage company RMS Reverse Mortgage Solutions XXXX. XXXX XXXX XXXX, TX XXXX phone number XXXX account number LOAN NO. XXXX. 
-- I was advised by RMS that I owe RMS {$600.00} for a property tax bill they are " CLAIMING '' to have paid on my behalf. They are saying they paid check # XXXX which cleared on XXXX/XXXX/XXXX. 

-- I disputed the claim with RMS and submitted an appeal because RMS has never paid my property taxes because I have always paid my property taxes. My taxes are paid via my checking account which ends in XXXX. I also forwarded RMS my statement from the New York Dept. of Finance which shows my payment history from as far back as XXXX. All payments have been made through my personal checking account. 

-- I have had to appeal 3 times because RMS just simply denies my appeal with no justification or even any notification. I have to literally call and beg for an update and then have to appeal again. Every time I call RMS, I am met with disrespect, and harsh attitude as if I broke the law. I was advised that my loan is in default and RMS is trying to take my property unlawfully.
-- RMS continues to deny my appeal simply stating that " YOU JUST OWE '' the taxes. I have asked all representatives I have spoken with for justification because my supporting documents come from the Dept. of Finance showing without a shadow of a doubt that RMS has not paid  my taxes.
Consumer complaint received 2019-03-08
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: EQUIFAX, INC. (OH)

This is a previously disputed account with XXXX and XXXX. No method of verification was provided. According to 1319.12 O.R.C.- ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
Consumer complaint received 2024-02-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TX)

National Credit Adjustor is diminishing my reputation by furnishing negative items on my credit report. They are holding me back from being able to use my credit as need be and are making me look irresponsible. National Credit Adjustor does Not have any credentials to collect debt in the state of XXXX  which I reside in. They are violating my right as a consumer
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

To my knowledge, I was never late on my Capital One credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX and XX/XX/XXXX and as being 60 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount. Like even now my balance is low because I make sure to maintain my credit properly. 

But you can see that XXXX, XXXX, and XXXX are all reporting a different balance which goes to show that something isn't right.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (OK)

Nationstar Mortgage LLC dba Mr. Cooper will not stop entering a partial payment of {$160000.00} as the last payment amount received for my four year long voluntarily closed and paid in full mortgage loan account in my credit files. Nationstar has continually attempted to state I was " paying under a partial payment agreement '' when I never did during the life of the mortgage loan 's nine year history. Nationstar deleted accurate last payment amount of {$170000.00} at XXXX without cause XX/XX/XXXX that an XX/XX/XXXX Report by XXXX shows as furnished by Nationstar XX/XX/XXXX, and as of XX/XX/XXXX, Nationstar refuses to respond to XXXX to correct the misleading partial last payment furnished by Nationstar in response to proving Nationstar 's willful furnishing of the last payment accurately proven by the XX/XX/XXXX XXXX credit report and Nationstar refuses to correct the mortgage file that did not credit the actual last payment amount of {$170000.00}, and continues to claim state a partial payment amount as the actual last payment received by Nationstar XX/XX/XXXX is inaccurately as {$160000.00}. This amount and inaccurate comments regarding the payment are misleading in such a way as to be found adverse and allow Nationstar to continue inaccurate partial information furnishing and credit reporting.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (IN)

My credit card had been compromised with something else credit. They have not provided me proof I used it. I fo not use credit cards I just had XXXX for renting cars or hotels. They were unfair with investigating this matter. They wanted me to provide proof on my end. I wanted them to provide I XXXX XXXX used the card. And how could or would They let it get over the credit limit
Consumer complaint received 2022-08-11
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. (PA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}.
Consumer complaint received 2021-02-26
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. (TX)

I have reached out to XXXX XXXXXXXX XXXX XXXX and Experian Information Solutions Inc. by Phone, certified mail, and email regarding the inaccurate information and missing information in my balance history in my credit file with XXXX XXXX XXXX XXXX. I have been trying to get the inaccurate and the missing information correct, since XX/XX/2020. I am extremely appalled by how the investigation has been handled. I have filed five disputes with Experian Information Solutions Inc. regarding the inaccurate information within my credit file with XXXX XXXX XXXX XXXX and every single time the results that have come back stated that the data was updated and is completed. But, the information has not been corrected nor updated!!! In the meantime, I kept losing points on my credit score due to filing a dispute.

I have gone back and forth between XXXX XXXX XXXX XXXX and Experian Information Solutions Inc., both keep giving me different information. XXXX XXXXXXXX XXXX XXXX has shared that they send out payment information monthly to all three credit bureau. Experian Information Solutions Inc. are sharing they are not getting the information. Instead of correcting my credit file, they keep blaming the other. 

I have never been late on my installment loan. All the inaccuracies started in XX/XX/2020 of last year. Within the balance history on my credit report with Experian Information Solutions Inc. for my account with XXXX XXXX XXXX XXXX, there are six ( 6 ) months missing and for some of the months that are listed, it shows I paid {$0.00}. I have provided payment to Experian Information Solutions Inc. but they stated that the information has to come from XXXX XXXX XXXX XXXX. I have submitted proof that shows these inaccuracies to XXXX XXXX XXXX XXXX and I was told that they have sent the information but they can not make Experian put the information into their system. This is the information from Experian If your creditor reported your account balances to us, we list them in this section as additional information about your account. This section includes the scheduled payment amounts, amounts actually paid, and the dates those payments were made. This has not been done!!! 

The payment history is correct but it is my balance history that is not correct. There are figures missing out of the equation within my balance history that make a big difference when it comes to your credit score. I have lost 39 points due to the missing information within my balance history. 

I really did not want to file a complaint against Experian or XXXX XXXX XXXX XXXX  with the Consumer Financial Protection Bureau but it is affecting my credit score.

Please see attachments 1 and 2
Consumer complaint received 2019-03-08
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: Experian Information Solutions Inc. (CA)

Hello, my name is XXXX XXXX. As I've gone through the accounts and collections listed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove this from my credit report immediately as this is poor judgement on my credit worthiness. 
Thank you
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo 's continuing harassment of mortgage holders late on payment. I am on fixed incomes with irregular receiving schedules with NO missed payments, only late/tardy. Have already implemented a " cease & desist '' against them for repeated phone calls - no messages left most times - & emails. So they 've resorted to other methods, like frequent certified mail & the big white door hanger with " CONFIDENTAL '' printed on the outward facing side in enormous red block font lettering ( I have photos ). This is beyond embarrassing & I consider it harassment. Inside the envelope is a piece of paper asking me to call them immediately. When done, the Wells Fargo mortgage rep just wants to know when you 'll be paying that month 's installment. That 's it??!? Big giant red letters on a bright white envelope hanging on my front door for all my neighbors to see for that??!? & Certified mail stickers plastered on there as well? What is wrong with these people??? 

I am NOT 6 months behind on my mortgage, or even 2. When you rely on others for your income, like Social Security & alimony, it 's difficult to budget sometimes & sure I 'm late but not behind. I catch up & always have, but throw in an unexpected event & my budget is a mess. Things happen. I ca n't help that & living " check-to-check '', there 's nothing to fall back on when you have to have an abscessed tooth pulled & do n't have dental insurance anymore. Wells Fargo 's motto is " Together We 'll Go Far '' but they do n't play well with others, that 's for sure. A plain letter mailed to me would be acceptable if they 're that worried about a late payment, but they have n't tried that approach to date. Got to have Certified mail & BIG red lettering on my front door. As if living with a physical XXXX trying to manage after your ex-husband, & main provider, abandoned the household, & filing for bankruptcy in the last 12 months was n't enough. 

Quit the harassing behavior Wells Fargo!!! You 'll receive your payments, like you have for the last 12+ years. Might be a week or 2 late, but it 's coming. Really!
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hello, I am writing concerned and distressed that someone has used my identity to obtain a card from Capital One in XXXX XXXX which is a old business name. The problem with this ccount is I was XXXX  and I have proof of my XXXX. I have disputed this account multiple times and it leaves me no choice. My XXXX  is so intense that I was not allowed during that time to use my credit at all and was being monitored by the state. I am asking for Arbitration as my attorney will represent me but I am seeking damages after my XXXX  is proving I am seeking my attorney fee 's of {$4000.00} and {$2000.00} for my distress for having to deal with somethiing that I did not do. I also have my old XXXX  XXXX as a witness to prove this was not me. I have froze my credit and filed a report with identity theft.gov.As large as Capital One is they should have some type protection for consumers to prevent this from happening. I am requesting a response asap. I have already paid the retainer for my Attorney and can forward it over if needed. Please correct this issue urgently. 





{$2400.00} is the balance