davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-23
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Chrysalis Holdings LLC (WA)

NewDay XXXX Financial was working on a refinance of my mortgage. At the time I was no longer employed due to a XXXX Related & VA Established XXXX and Workers Industrial Insurance " Work-Related '' Injury that required XXXX surgery. My workers compensation biweekly payment ranged around {$2100.00} ( or as an annual income {$54000.00} ). This compensation would have continued until XXXX of XXXX venues occurred either I recovered from the surgery and went back to work or the surgery failed I was placed on XXXX a little higher then this compensation. 
Instead I was told that, while they would accept an individual receiving social security XXXX and VA XXXX they would not accept workers compensation payments, even if over {$50000.00} as an annual income. They stated that there was no guarantee that this funding would continue. Now I have a problem here as there is no guarantee on any of the funding I draw ; XXXX retirement can be discontinued by the federal government at any time ; VA XXXX could be cancelled at any time ; and my possible employment in the construction field could start and stop within a month if the client cancelled the project. There are no guarantees on anything but industrial insurance has a better control then all then others. There are specific conditions that have to be met to stop payment. So why was over XXXX of my total annual income essentially tossed out ...
Consumer complaint received 2020-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (TX)

I sent a letter to Capio Partners on XX/XX/XXXX requesting debt validation for medical bill for {$320.00} They sent me a letter stating they needed more time and sent documents on XX/XX/XXXX of a bill that was already paid by XXXX XXXX XX/XX/XXXX. I reached out verbally to XXXX XXXX collection department and was advised the debt is still owed. I emailed documents from XXXX XXXX  of the OVERPAYMENT made {$430.00} to the hospital to XXXX XXXX at XXXX XXXX XX/XX/XXXX and she states this balance is still owed. XXXX XXXX provided me with information that the debt was paid. I and wanting to file a complaint regarding collection of debt that was paid in XXXX.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (IN)

On XX/XX/2020 I received a PIN number for a Credit Card from CitiBank that I did not apply for. I called the number ( XXXX ) on the letter and was jerked around for over an hour trying to get some one to help me. Finally after talking to a half dozen people, was told by a woman said she could find my name in their system but no other information and that i should call the Federal Trade Commission as this seems to be a common problem. I Tried but it was closed. Tried to use the FTC website and it sent me a link for this site.
Consumer complaint received 2020-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Hello- This is a transaction involving my Banker Capital One 360 and XXXX . I had registered on XXXX my Capital One Checking account. On XX/XX/XXXX a suspicious transaction of {$530.00} was noticed on my Bank account. This amount was withdrawn by XXXX from my Capital one 360 account. Subsequently i logged a incident with Capital one and XXXX on the same day. Later on XX/XX/XXXX Capital One 360 credited this amount back into my bank account, so did XXXX on XX/XX/2020. So i received a double credit from both the financial institution. I had to refund the amount back to XXXX Instead of enabling the process the ACH freeze had been put on my account and iam unable to transfer the amount back to XXXX. Reached out to my Bank Capital one and they pass the buck to XXXX and XXXX back to the Bank. I get reminders on the email to credit XXXX with XXXX, which i want to. However, because of ach freeze on my checking account, iam unable to do so. 
Have been a longstanding customer with both the financial institutions over 10 plus  years. This is the first time iam encountering such utter customer dissatisfaction. 

They are refusing to provide basic service and it is appalling. 

regards XXXX XXXX
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Their is a property foreclosure sale set for my home XX/XX/XXXX. The state of Tennessee requires a 30 day notice be given prior to a property foreclosure sale being set, the letter is dated XX/XX/XXXX and the sale is XX/XX/XXXX. I have resubmitted a modification request and financials. I do want to keep my house. I need your help to assist me in getting my mortgage modified. i want to keep my home. Thank You
Consumer complaint received 2021-04-22
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. (TX)

I submitted a dispute on Transunion and got notification that it was deleted however 45 days later, it is still on my credit report. I am getting the run around from transunion in regards to updating my report to reflect accurate information.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (IL)

Subject : Urgent Complaint Regarding Fraudulent Nordstrom Account Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention a persistent issue regarding a fraudulent Nordstrom account that has plagued my credit profile for some time now. Despite numerous attempts to rectify the situation, the account remains active, causing significant distress and financial harm. 

I have reported this Nordstrom account multiple times as fraudulent, yet to no avail. Explaining that my identity was stolen in XXXX without my knowledge, the perpetrator even files taxes for XXXX and XXXX under my name. I had to go to IRS to verify my identity for this as well. Regrettably, the account continues to linger on my credit profile, adversely affecting my financial standing. What is even more concerning is the fact that Nordstrom has associated a fraudulent address with this account, claiming it to be mine. 

The address in question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, has been falsely linked to me. I want to clarify that this address has never been, nor is it currently, associated with me in any capacity. Upon investigation, it has come to my attention that this address corresponds to a corporate building purportedly affiliated to Nordstrom. 

During their investigation, Nordstrom provided erroneous information to XXXX, claiming that the aforementioned address is mine. This misinformation not only exacerbates the situation but also serves to highlight the severity of identity fraud associated with this account. 

I urge you to intervene promptly and take necessary actions to address this matter. It is imperative that the fraudulent Nordstrom account be removed from my credit profile immediately, and appropriate measures be taken to rectify the damage caused. Furthermore, I request a thorough investigation into Nordstrom 's practices regarding identity verification and account handling to prevent similar incidents from occurring in the future. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-05-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (CA)

Hello, I paid off my loan with Cross Country Mortgage/XXXX XXXX in XXXX of 2021. Despite multiple calls to customer service, and after speaking with multiple service representatives and supervisors my $ XXXX escrow balance has not been refunded, and the lender has not provided any information regarding when I will receive my money.
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

This is a predatory lender. I own multiple properties with mortgages and this is the only one that has charged incessant late fees or that I have ever had such a difficult time submitting payments to. The website and customer service reps over the phone will tell you that there are tech errors every time you try to do ACH payments. I have been trying to set up ACH since 2019 to best avoid any late payments. Of course, not having ACH increases the likelihood that individuals will miss payments if they have to remember to do them manually, especially during the stressful time of COVID. I also reached out during COVID to request payment assistance or forbearance and no one answered the phone - I was on hold indefinitely. Also no reply via secure email. My payment went up in XXXX due to an escrow shortage and because I was on bill pay instead of ACH, the payment was {$100.00} short. I paid all but the {$100.00} difference well ahead of the due date. No one contacted me to notify me of the shortage. I was then charged a {$71.00} late fee on a {$100.00} shortage which I corrected immediately! I received no notice or contact saying I was short the {$100.00} until after the late fee was already charged. No one I talk to will waive the fee. In fact one representative said it was from a former lender ( although they are the first and only lender on this property ). Each rep gave me a different story or said they would have a manager call me back. No word yet from a manager. All the reps are incompetent and unable to find resolution. They will not let me speak to a supervisor. These are predatory fees being charged and individuals are being taken advantage of. COVID-19 hardships is not a time to charge clients {$71.00} late fees on {$100.00} shortages due to sudden escrow increases. I will continue to escalate until this fee is waived. I am not paying anymore predatory late fees to this company.
Consumer complaint received 2021-07-14
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)

I just check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report. XXXX  and XXXX  did Remove the fraudulent XXXX XXXX Card from my credit report but Transunion still havent removed it. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2015-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I had some issues with my credit report and a gang of inquiries appeared on my credit report. I followed due process with both creditor and bureau providing affidavit and police report XXXX XXXX & XXXX QUICKLY complied. Equifax keeps rejecting it in spite of even failures to validate WITH PROVIDED PROOF. I 'm really frustrated with this process and those inquiries are STILL hurting my score.
Consumer complaint received 2015-08-23
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A. (NY)

In 2003 we purchased a home in CT. The lender in to eliminate PMI had us use a XXXX loan in addtion to the Mortage. This XXXX was described as a 30 year XXXX mortgage. A few years late when we were inquiring about the loan 's % rate of interest. It was explained that the loan in fact was XXXX yrs but we were paying as if it were a 30 yr. Therefore there was a 15 year ballon. This was not explained to us. We are XXXX years from the Balloon. My wife told me about this organization. The mortgage company issuing the mortgages was XXXX XXXX in XXXX, CT. The original main mortgage was XXXX XXXX which was bought by XXXX XXXX XXXX and since we have refinanced with XXXX XXXX. The XXXX Mortgage in question was originally XXXX XXXX and then was purchased by PNC Bank. Can you help us?
Consumer complaint received 2020-11-30
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. (GA)

On XX/XX/2020 I found an unknown and inaccurate accounts on my credit report and I sent Dispute letter but over 30 Days today I haven't received a response. I was a victim of XXXX Data Breach. I want to deleted all the accounts on my credit report or I will file a litigation.
Consumer complaint received 2017-08-10
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. (MA)

My credit report shows a closed account which is closed and paid in full. There is a comment that says late two or three times. I was never late on this account. The account is XXXX XXXX # XXXX. XXXX has not reported this account late at all which is the way it actually was. You have 30 Days to remove this derogatory statement from my report as per the FCRA.
Consumer complaint received 2021-05-19
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: Nelnet, Inc. (PA)

I have a regular inquiry on my XXXX  Credit report from Firstmark Services XXXX that I didn't authorize. 

After contacting Firstmark they reported that I never did the inquiry but requested additional information ( subscriber code ) that is not available in the XXXX credit report. 

Since I can't provide this information. XXXX guided me to file a FTC complain and report the complain number back to them to take further actions. 

Here is the information about the regular inquiry on my XXXX credit report : FirstMark Service XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested on : XX/XX/2021 Inquiry Type : Individual
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/year>, I attempted to send a {$500.00} payment to a merchant on Venmo using my XXXX XXXX XXXXard. The transaction failed with a try again later message. I attempted to send the {$500.00} payment again and it went through. Later that day, I checked my XXXX XXXX statement and noticed that I had two transactions pending for {$500.00} to the merchant I was paying. I assumed one of the transactions would fall off since Venmo gave me the error message stating that the transaction failed and couldnt be processed. Days went by and the second transaction never fell off, XXXXXXXX XXXX had approved both {$500.00} transactions and sent the money to Venmo twice. Ive been in touch with the merchant as they are a close friend of mine and they have said they only received my payment once and in fact, my Venmo transaction history only shows one outgoing payment to the merchant for {$500.00}. I have filed multiple claims with XXXX XXXX stating that I did not authorize the payment to go through twice and have been declined the credit back to my account each time because XXXX states that the transaction was authorized and that Venmo received the money twice. I have also filed claims with Venmo multiple times stating to them that XXXX XXXX states that they sent Venmo and Venmo has received two separate transactions for {$500.00} each but Venmo has denied each of my claims stating that only one transaction was processed, the other failed to process and that they only received one payment for {$500.00}. I have bank statements proving that Venmo received two separate transactions with two separate serial numbers from my XXXX XXXX.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ALLY FINANCIAL INC. (IL)

I received a letter from Ally Online bank about an attempt to open a bank account under my name. According to the letter they denied opening the account because they could not verify my identity which is a good thing. I never attempted to open an account with this company and never heard of them or had any contact with them. I believe this is a fraudulent attempt. I already have another complaint open, complaint-number XXXX where a credit card was successful openned under my name. I believe at this moment, my identity and personal information is being used by someone given that this is now 2 times in less than 2 weeks of this occurring.
Consumer complaint received 2021-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

Received an email from my XXXX  account notifying me that my phone was deleted from my account. When I called I come to find out that both my phone and email has been flagged by zelle for " fraud ''. I never received any notification from zelle and I never have had a problem with zelle until now. I can't add another email and I use the service often since I send money often to friends and family to pay bills and other necessities.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NE)

I was forced to apply for and sign off on student loans that were not legal. Their tactics were incredibly aggressive going so far as to tell me " If you do n't sign this RIGHT NOW you ca n't go to school anymore. In fact, you ca n't even go back to class! You 'll have to leave right now from my office! '' Then I became XXXX and when I tried to have my loans discharged because of a XXXX, they denied it and said I still had to pay!
Consumer complaint received 2024-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (VA)

This is medical debt that was covered by insurance during XXXX XXXX. Rash Curtis is trying to collect on a medical debt that doesnt exist even reported to XXXX and XXXX to negatively affect me credit wise.
Consumer complaint received 2022-04-01
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-06-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

VISA Account Number : XXXX XXXX XXXX XXXX VISA Case Number : XXXX XXXX Case Number : XXXX Merchants Name : XXXX / XXXX XXXX Date of Transaction :XX/XX/XXXXSir : On XX/XX/XXXX, I paid {$150.00} + {$150.00} = {$310.00} on VISA card with respect to two flight tickets. 
I was assigned XXXX XXXX flight number XXXX for XXXX to XXXX XXXX flight date XX/XX/XXXX 
On XX/XX/XXXXI received an email from XXXX to advise that I had been assigned a later flight ( XXXX XXXX XXXX number XXXX ), for XXXX to XXXX XXXX flight dateXX/XX/XXXX. 
On XX/XX/XXXX I received email shown in EXHIBIT 1, from XXXX XXXX to advise that XXXX XXXX XXXX number XXXX was cancelled. 
On XX/XX/2020 I phoned VISA and advised them of the flight cancellation, and they applied a {$310.00} credit. 
I received two letters from VISA dated XXXX XX/XX/2020 ( EXHIBIT 2 and EXHIBIT 3 ). 
These letters advised that the charges would be reapplied. 
On XXXX XXXX I wrote a letter to VISA shown in EXHIBIT 4. In this letter, I provided email ( EXHIBIT 1 ), as evidence that the flight had been cancelled. At the time of writing, I have not received a response to my letter from VISA.