davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I purchased my house XX/XX/XXXX. I went in telling the sales rep that I was retiring soon and that I needed to get a house would be comfortable for my wife and I both physically and financially. 
The total price was {$450000.00} with payment at {$2800.00} per month which increased with no notice to {$2800.00} per month after 5 months. The payments were a little higher than I liked but I could handle the payment and I was told that I could refinance in 6 months and that the PMI could be taken off and I could possibly get my interest rate lowered, which I found was not totally correct. Because 6 months later I tried to refinance and was not able to. What I needed was to have a 30 or 40 percent difference in loan to home value and during that they told me that the first Mortgage company ( XXXX XXXX ) had not calculated my Property tax correctly. That was after I tried refinancing with 3 or 4 mortgage companies. That is when I found out that I needed the percentage difference and found out that XXXX XXXX had not calculated the property tax right. The company I trusted said that I should actually be paying more than {$3100.00} a month if the mortgage company ( Mr Cooper/ Nation Star ) had calculated my tax correctly. Now that I am retired I cant afford over {$3200.00} plus the other bills and utilities. 
I called my XXXX rep and explained everything to him and he explained to me that I needed to file a Qualified Written Request to my current mortgage company ( Mr Cooper/ Nation Star ). 
That brings me to the next problem. I sent the Qualified Written Request to Mr Cooper by fax, email, and mailed the same letter to two different Mr Cooper address with signed return receipt, Which I received. I sent all the forms of the QWR around the XXXX or XXXX of XXXX and I received the return receipts which were signed by the Mr Cooper Rep, XXXX XXXX on XX/XX/XXXX. 
My Lawyer said they had 20 days after they signed for the letters to reply back. As of today it has been 51 days and I have not received any notification from Mr Cooper/ Nation Star.

I have all my docs that shows dates and where they went if you need to see them.

My XXXX said that I should contact you and then you would be checking on this problem and let me know what I might need to do. I dont want to lose the only house my wife and I have ever had because of too many military change of station and low income we could never qualify and now if something is not done to correct my escrow it will continue to go more negative. The current escrow is negative {$2600.00} and that is after paying me paying {$720.00} to try and balance the escrow account but I cant keep paying that because I dont have the extra money to keep it balanced. We dont want to lose our house. 
Please help me or let me
Consumer complaint received 2022-03-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

To who May this concern, XX/XX/2022 my Bank account got hacked. 
My bank Chase was able to return me the money I was satisfied after making a new account and closed out the old one .Chase did say they filed a claim for this to be under investigation. 
Today XX/XX/2022 Chase claim department took that money from my account called my hacker and they verified I did give them access to take money out i had to give the money back leaving my account negative. 

The hacker called me from a chase number I had no idea I was being hacked to get access to my account. I feel like this is unfair my bank should be protecting my personal information not the hackers. 
And Im getting charged for being negative XXXX $ each transaction made from the bank. 
Im left frustrated and I just need to know this wont be left unresolved and my hacker winning.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WA)

On XXXX XXXX XXXX XXXX XXXX placed a charge on my card for {$9.00}. They also placed two charges of {$10000.00} and {$30000.00} on my XXXX XXXX issued XXXX Card. The total amount was for a resort exchange program that turned out to be fraudulent. I reported this to Citi on XXXX XXXX, XXXX -- well with in their purchase protection window of 120 days. Since then, I have been working with Citi Bank and XXXX XXXX to get this resolved and on XXXX XXXX XXXX XXXX resolved the issued and made the provisional credit that was originally applied to my account permanentsee attached letters titled CARD MEMBER SERVICE. Citibank on the other hand, has told me there is nothing they can do and required full payment of the {$9900.00}. I have tried to work with them, but they have one standard answer, the issue has been resolved and there is nothing further they can do. They say this is according to XXXX policy, but I find that hard to understand because the XXXX XXXX Card is also a XXXX card.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One purchased my XXXX XXXX Visa from XXXX XXXX  and on XX/XX/2021 I signed onto XXXX  One 's website as instructed to active my new card. The website would not allow me to authenticate and kept returning a message that my address my incorrect. I called XXXX One at XXXX and spoke with XXXX in their XXXX XXXX, NV Call Center. I was told the address, phone numbers and employment information was all incorrect and that it must have been transferred over that way from the prior lender. They said they would correct the information and that it takes 9 to 16 weeks for their system to reflect a change. I immediately asked for a Manager and was transferred to XXXX, who said the information was corrected in their system and she isn't sure why XXXX would have told me it takes 9 to 16 weeks. She said XXXX One has many issues keeping customers data safe and accurate but the. employees have immediate ability to change the address and phone anytime and it updates immediately. I asked that my account be closed. Based on this experience I felt my personal data was at risk and that Capital One didn't know what they were doing. She closed my account as requested. Fast foreword to today. I received an alert from my credit monitoring that Capital One has reported a new address and phone number for me. I reviewed my credit report and Capital One has changed my address and phone numbers to the erroneous info they had originally on my account. I again called them and spoke with XXXX who transferred me to a Manager. I was told I'd have to contact the credit bureau as XXXX one doesn't fix credit bureau mistakes. I was told to write to the credit bureau. I pointed out that California Law says otherwise and I'll file a small claims action. Further, Federal Law also says otherwise and I'm complaining to the CFPB. I called the prior Bank and obtained a copy of what they transmitted to Capital One. This will support my Small Claims action claim form monetary damages. XXXX One obviously changed my address and phone numbers after they received the account. This means they either have rogue malicious employees or have suffered a data breech they are hiding from the oversight authorities! They need to correct my erroneous address and phone they put in my credit report.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have contacted the XXXXXXXX XXXX XXXXXXXX XXXX XXXX Numerous Times because they continue to state that i had 2 late payments in 2021 i made a double payment on those 2 Occasions I even sent them a year of my bank statement showing them they are wrong. This is affecting my credit score and the ability to refinance my loan at a much lower interest. I even had a Credit repair company to assist me XXXX XXXX. I have always paid on time even threw a pandemic this is very unfair. Please i need your assistance
Consumer complaint received 2022-09-07
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. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (LA)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. CREDIT ACCEPTANCE CO The creditor replied they would remove the disputed item but the bureau is still reporting the information.
Consumer complaint received 2024-01-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (TN)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 936 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

PLEASE UPDATE ACCOUNT TO PAANL IMMEDIATELY THANK YOU AND ADVANCE
Consumer complaint received 2022-03-03
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. (MD)

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Accounts : XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : $ - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : $ - Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am XXXX F I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2021-09-03
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: Bridgecrest Acceptance Corporation (FL)

I was recently informed that I was victim of XXXX data breach being a former customer I did not open this account and need it removed from my credit file ASAP. I do not own this account nor did I ever open it or had any idea it existed on my file until I checked it recently and being a victim of XXXX data breach I can deduce someone was able to use my information to open this account and thus I need it removed from credit file, as it is affecting the growth of my credit and I should not be responsible for someone else 's account.
Consumer complaint received 2018-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (VA)

XXXX XXXX XXXX is reporting my mortgage account XXXX paid 90 days late in XXXX of 2017, the money was taken directly out of my bank account each and every month prior. I attempted to start a refinance on more than one occasion and this error is preventing me from refinancing. They took over the servicing in XXXX of 2017 and I've had headaches ever since. I have attempted on multiple occasions to have them correct this error. They have always received the principal and interest payments and should not have reported my payments late. My credit is now being ruined because of these late payments.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (MI)

The inquiries listed below were unfamiliar to me. Therefore, they are all unauthorized to pull my credit report. Also, the accounts mentioned below should have no records of being late for I have made my payments on time. These issues were addressed to both Creditors and Experian but until now, I have not heard any feedback from them. They have failed to comply with the FCRA law 's rule and all information was erroneous. 

XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file ( Reference Number : [ XXXX  ). I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report.
Consumer complaint received 2017-06-19
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: EQUIFAX, INC. (FL)

I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt't done and that violates my rights as a consumer. I have reached out to the credit bureaus on several occasion to resolve this matter.
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Acct # XXXX Midland Credit Management can not validate these debts, which I have requested three times. 

Midland Credit Management has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. No accounts from XXXX are reported on any of my credit reports. Just listed by Midland Credit Management.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (FL)

XXXX XXXX XXXX XXXX FORD MOTOR CREDIT ARE STILL REPORTING AS AN OPEN COLLECTION AN ACCOUNT THAT WAS FIRST PROCESSED UNDER CHAPTER XXXX BANKRUPTCY PROTECTION AND ACCOUNT WAS LATER SETTLED AND PIAD THROUGH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTORNEYS , XXXX, XXXX XXXX XXXX , XXXX, REF ( XXXX XXXX FORD MOTOR CREDIT V XXXX XXXX ) THIS ACCOUNT SHOULD NO LONGER BE REPORTED AS AN OPEN COLLECTION OR DERROGATORY ACCOUNT AS IT HAS BEEN DULLY SATISFIED. 

XXXX XXXX XXXX XXXX FORD MOTOR CREDIT ARE IN VIOLATION OF FCRA Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation.
Consumer complaint received 2018-03-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On Tuesday XX/XX/XXXX I was alerted by my husband that all of our funds from the joint checking account which I am not the primary account holder was missing over {$400.00} that was auto transferred to another account. I immediately logged into my online account and noticed that Bank of America decided to cover a charge from XXXX that was not authorized and saw a long line of fees that the bank was trying to charge me. I was already in the works of disputing other XXXX charges and was not alerted of this transaction. I have called multiple times to get this resolved to no avail. either I am put on hold for long wait times or am told that the account is set up with overdraft protection, which it is not because I have logged in and saw that was false information by the .customer rep. The two accounts are not linked and now I am without money for my child 's daycare because someone at BOA decided they were going to make a deposit on my behalf.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2022 someone had used my debit card to make fraudulent purchases from a few stores. After noticing the charges on my card, a few hours after they were made, I immediately turned off my card, and called Wells Fargo to notify them of the charges. By the time Wells Fargo had turned off the card, there were a total of 7 charges on the card totaling {$1800.00}. The Wells Fargo representative gave me a claim number and told me that Wells Fargo would do an investigation into the charges and let me know within 10 days. After 10 days had passed with no call from Wells Fargo, I called them and they informed me that since the person who used my card had the PIN number, that they did not see anything fraudulent and denied my claim. I informed Wells Fargo that they probably had my PIN number from a phone call I received in which an automated womans voice which said that it was XXXX XXXX fraud prevention and that they had a suspicious charge on my account and that in order to block the charges I had to press 2. After doing so that same call asked me to type in my PIN number to verify that. 
At the time I didnt think anything about it, however later that night, my wife later told me it was probably a scam and that I should check into it, which I did. It was at that time that I noticed the fraudulent charges. I even gave Wells Fargo the phone number that they called me from. ( XXXX ) Obviously I was upset and asked what is the next step I can take to get my money back and the representative told me to call the police and have them conduct an investigation and then I could submit that additional information once completed for them to review. I called my local police and they had XXXX. XXXX XXXX conduct an investigation. He found video of the person using their phone ( XXXX XXXX app ) with my card info to make some of these purchases. He was unable to get a license plate of their vehicle or any other information that could lead to the actual identity of this person but was able to clearly determine that it was not me who had made these charges. I also had video of myself at home during the time that these charges were made. I sent a copy of the detectives report as well as the video of me at home back to Wells Fargo for them to review and hopefully prove that I was not the person who had made these charges. After a few days passed after sending them this new information I called them to get an update and they again informed me that they were still denying my claim. 
At this point I have no idea what to do and feel helpless in the effort to get my money back. After searching online, I found that other people had this happen to them and after getting the CFPB involved, they were able to get it cleared up. I hope this is the case for me.