davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (RI)

I have filed several complaints against Nationstar over the past year because of their mishandling of my escrow account that has led to serious credit reporting problems. Nationstar has denied my allegations and CFPB has failed to investigate my complaints. I now have definitive proof of Nationstar 's lies, operational errors and financial mismanagement which has been fraudulent and malicious. 

I am attaching the records that I have sent recently but represent Nationstar 's lies. The cover page is a copy of a letter from XXXX, my former homeowner 's insurance policy that is the basis of my complaint. Nationstar has denied that it mishandling the processing of my escrow account for more than one year. In fact, Nationstar 's operation malfeasance has been going on for almost 3 years. 

The letter from XXXX is a homeowner 's policy renewal one year AFTER that policy was cancelled and replaced with XXXX XXXX. When I received the policy renewal I called my former insurance company, XXXX, to inquire why that were sending me a renewal. XXXX told the me the policy was still in force and had been paid for by Nationstar out of escrow. A copy of the renewal dated XXXX is attached. Nationstar has denied that it has double counted my escrow account. Nationstar lied to CFPB and to me for more than one year and knew that they had mishandled my escrow and refused to address the problem. 

I paid for XXXX XXXX insurance policy out of my own funds and Nationstar began escrow for XXXX XXXX as well creating a severe negative and erroneous balance in my escrow account. Nationstar has also lied to credit reporting agencies that I missed my mortgage payment. They know that is also a lie! Nationstar must make amends to my credit report, reconcile my escrow account and ensure that all payments and accounting has been reimbursed to me. I will be reporting financial accounting fraud to the SEC and will be filing a lawsuit to investigate Nationstar which may result in a class action lawsuit that may involve CFPB as well given CFPB has failed to perform its most basic duty ... .investigate consumer complaints. 

Nationstar is a corrupt, fraudulent, lying company and I will not stand for this XXXX. I will not stop until Nationstar has been sued, sanctioned by regulatory agencies and hopefully bankrupt because if they can't figure out my simple problem there is a systemic operation problem or outright fraud in this firm. You lying XXXX!
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

I was denied credit at a furniture store and now a mortgage company. What happened is 2 of my reports show XXXX and XXXX with 8 or more open accounts. Experian shows no open accounts although back in XXXX I had open accounts at Experian and they reported my score. So I finally got a representative at Experian it was not easy, he researched the problem and said that when I used the boost my credit product on Experian it some how created another account with XXXX on it and blanked out my credit report. 

This is a huge problem I can't get credit I can't get a mortgage. I am suffering mental distress over this. I called on XX/XX/XXXX for help I was told this would be fixed in 3 to 5 days its still not fixed. I just want them to report my credit score like they do for everyone else. I feel discriminated against by this product.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/2021 my credit card account was restricted because I personally added authorized users to my account. I called and asked capitol one of the amount of users I can add before there would be a problem with the account and they wouldnt provide an answer. I was never informed I would need to provide extra documents when adding an AU Now Im being asked to provide an ID and social security cards of each AU with further risk identity fraud. Capitol One informed me that there wasnt any fraud detected.
Consumer complaint received 2019-11-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Rosebud Economic Development Corporation (TN)

On XX/XX/2019 zocaloans debted XXXX from my account and it posted on my account the following day on XX/XX/2019 on XX/XX/2019 I received a email from them saying they have not received my payment I called them with the bank ref # and provided email copies of a bank statement showing it was taken and paid on time the rep continued to say that is false I also stated to revoke ACH auth on my account and I will pay online or by XXXX XXXX the rep stated that he couldnt help and to email him the written request I have proof they have taken my money and are trying to scam me out of my money I need them to remove me from ACH payments and also post the money that they took from me
Consumer complaint received 2020-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Company : XXXX XXXX XXXX XXXX Bank account information is the following : Bank of America Account Name : XXXX XXXX XXXX XXXX Account No : XXXX Routing No : XXXX ( paper & electronic ) XXXX ( wire ) Swift code : XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Scammer : XXXX XXXX XXXX XXXX used this company bank account to receive money. 
Scam Reason : house payment. 

XX/XX/2020 {$7000.00} XX/XX/2020 {$2500.00} XX/XX/2020 {$3000.00} XX/XX/2020 {$3000.00}
Consumer complaint received 2020-10-12
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: EQUIFAX, INC. (FL)

In XX/XX/2020, I was contacted by XXXX XXXX at XXXX XXXX  regarding an open collections account with XXXX XXXX Bank. The representative gave me a settlement amount on which I was lead to believe by her I would have this account deleted off of my credit reports. I asked repeatedly if this account would " fall off '' and just kept saying hmm hmm. I went ahead and paid the settlement amount for about half of the account amount. After a few months, I realized the account was still reporting to the bureaus and I called the collector to speak to a supervisor. 

XX/XX/2020 XXXX XXXX XXXX XXXXXXXX Spoke w/ supervisor Spoke with XXXX XXXX, who identified himself as supervisor for XXXX XXXX. I explained to XXXX that during my conversation with a XXXX XXXX Representative XXXX XXXX in XX/XX/2020, I worked out a settlement agreement in which I was lead to believe this settlement would result in a deletion of this account on my credit report. XXXX XXXX advised he would listen to the said phone call and would contact me back at my personal cell phone number within the hour. 

XX/XX/2020 XXXX Called XXXX XXXX due to not hearing from XXXX XXXX XXXX. Spoke with representative who stated she will ask supervisor to call me as soon as possible. 

XX/XX/2020 XXXX XXXX XXXX XXXX me back and stated he listened to the phone call from XX/XX/2020 using my phone number and that XXXX XXXX never used deleted and I explained she never clarified and explained after I asked repeatedly if the accounts would fall off my reports and then he stated that they have absolutely no reason to explain anything to me and they do not have to explain anything to me they just need to collect. I advised him I would report this to the bureaus and CFPB and he said to go right ahead. 


I have disputed this account with all XXXX major credit bureaus and XXXX XXXX then updated the account to Charge Off. They refuse to remove this account.
Consumer complaint received 2020-08-14
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: EQUIFAX, INC. (FL)

After reviewing my credit history I noticed a few account I have no knowledge of and believe my identity has been tampered with. I did not authorize any of these accounts nor have I inquired about them in no way. With that being said I would like this matter to be resolved by having them removed immediately.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (TX)

On XXXX last year I received my bonus ( {$1800.00} ) and deposited via mobile bank using the Comerica XXXX ( XX/XX/XXXX ). The deposit failed due to a glitch and decided to use the auto bank in the nearby Comerica office ( XX/XX/XXXX ). Looked in the bank statement from XX/XX/XXXX to XX/XX/XXXX, and certainly the deposit from the mobile app showed on XX/XX/XXXX. Nothing on XX/XX/XXXX. Waisted a month to receive the bank statement from XX/XX/XXXX to XX/XX/XXXX, no duplicated depot is shown. 

On XX/XX/XXXX, a withdraw shows on my mobile of {$1800.00} with the following description : XXXX XXXX Ref # XXXX XXXX XXXX. Called the bank a couple of times and they said that it was an adjustment. 

On XXXX XXXX, I received the letter stating that it was an allegedly duplicated deposit. Be aware that is AFTER XXXX called them to dispute the transaction. 

Furthermore, On XX/XX/XXXX, {$560.00} showed on my bank with the description : XXXX - miscellaneous. Afterwards, a letter came explaining that Comerica Bank was overcharging for Comerica Web Bill Pay fees from XX/XX/XXXX to XX/XX/XXXX. No explanation on what has been charged and furthermore nothing on the bank statements for XXXX  years. 

On the other hand, Comerica Bank charges {$34.00} per overdraft transaction. Without a grace period. I have communicated this to the bank on several occasions, but no answer was given. 

After almost XXXX years with the same account, I have decided to make a complaint since I certainly believe that Comerica has shown no transparency in their transactions with my account.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc. (FL)

My card is with Prosper/XXXX XXXX XXXX On XX/XX/XXXX my card was restricted with no reason. My balance is low ( {$250.00} out of {$800.00} ) and I have made multiple payments. No late payments. I called and was told they were checking my account for fraud and it would be cleared up in 24 hours. 4 days later they emailed me that I needed to make an additional payment to have the card unlocked. I had already paid that month 's payment but I paid an additional amount. The next day my card was still locked and I called. This is now XX/XX/XXXX. I was told that they just have my card restricted for an undetermined amount of time. They would not let me speak to the fraud department or a supervisor. I insisted to speak to a supervisor and I was left on hold for 20 minutes then the line disconnected.
Consumer complaint received 2020-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize this account, and have never incurred debt with this creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove this once its confirmed that this is not mine.
Consumer complaint received 2019-11-02
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (WI)

I am under Chapter XXXX, which includes a co-signer stay. Citibank was reporting 30-days late each month. This was not accurate due to the Chapter XXXX. I tried to contact them multiple times with no luck. I opened an investigation with the 3 credit reporting companies. As a result they are now reporting in collections/charged off every month. It should be reported as Chapter XXXX/Wage earners plan as I am making payments as my other loans are showing and not being marked negatively each month due to the stay. They are reporting the same on my co-signer 's report. This is significantly hurting my credit report.
Consumer complaint received 2019-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

{$760.00} was taken from my account in two transactions ( {$380.00} x2 ) by a man named XXXX XXXX. He claimed to be selling concert tickets through a ticket exchange site on XXXX and used XXXX for the transaction. He sent another person 's driver 's license photo and e-mail confirmation as his own without that person 's knowledge to act like the tickets were real. The amount is currently still processing in my account, but I would like to try every step possible to make sure these amounts don't go through. This occurred on XX/XX/19 XXXX and XXXX PST ( two separate transaction times ).
Consumer complaint received 2019-11-02
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: Adler Wallach & Associates, Inc. (CA)

I disputed ownership of this account over 30 days ago, and this is not my account. The reporting agency stated that because the company says its valid, ; thats it!! Im not satisfied with that answer, and frankly thats not an investigation
Consumer complaint received 2023-09-05
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: SYNCHRONY FINANCIAL (NJ)

I have had charges on my JC PENNEY card for continous 5 months and when I realized it I called the credit card company and told them I did not make them. At first, they said okay we will give you money back we recognize they are frauds. A month later I got a letter saying they do not believe they are fraud. 
I have not made or authorized these charges I can not get to speak to a live person to tell me what makes them think this is not fraud as I know it is. 

cc company is Synchrony Bank XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (VA)

I checked my most recent Equifax consumer credit report and I see that there are still inaccurate accounts and inquiries being furnished. Please remove the following accounts and inquiries as they are inaccurate and fraudulent. 

XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX I have attached correspondence from XXXX confirming this account does not belong to me.
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information my file. The items I need to delete are listed in the report. I am victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : 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 2019-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used my Bank of America debit card to withdraw cash from my checking account at a non Bank of America ATM machine on XX/XX/2019. Before dispensing the cash there was a message on the screen reading, " there will be a {$4.00} fee deducted from your account for this transaction, if you wish to continue press yes '' so I agreed to the {$4.00} transaction fee and continued with my withdraw. A few days later, when I looked at my checking account transactions online I noticed that Bank of America has charged me 2 other fees in the amount of {$2.00} each totally {$5.00} for each withdraw. 
I had made a total of 5 withdraws on that date so there were 10 charges on my account for {$2.00} each totaling {$25.00}. When I called the bank, the representative told me that there's a {$2.00} fee to put your debit card inside the machine and another {$2.00} fee to take it out!! Unfortunately the fee I had agreed to was the {$4.00} that was on the screen but in reality I was charged {$9.00} per withdraw. I asked the agent to please reverse these fees since I only agreed to the {$4.00} and had I known it was really {$9.00} I wouldn't have taken money out or gone to the bank 's ATM. She only reversed 2 of them. so I ended up paying {$40.00} in fees to make five withdraws from my checking account.
Consumer complaint received 2021-02-23
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ascendium Education Group (OH)

I have been garnished for student loan payments since XXXX and have paid over XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Ascendium Education Solutions. I have requested my payment history due to contacting the Department of Education stating my loans are still in default. The XXXX emergency student loan payments have been extended until XX/XX/XXXX but I have been garnished again since early XXXX. I haven't been able to get information from them to tell me where my money is going. I want to get out of default and my XXXX has not done that for me. I want the money applied to my student loans. I participated with XXXX XXXX XXXX rehabilitation program and completed it last XXXX. I have no information on the next steps on my student loans.
Consumer complaint received 2020-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2019-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

Hello, I had found tickets to the XXXX XXXX XXXX being listed and sold through XXXX XXXX. I reached out to the seller on Friday, XX/XX/2019 at XXXX about a price and what form of payment they would accept. They suggested PayPal and gave me the email address XXXX. I then used PayPal for the transaction and sent the amount of {$60.00} ; however the seller then informed me that he did not have the tickets. When I reported the scam to PayPal and asked for them to cancel the transaction, my case was denied ( Dispute Case ID : XXXX ).
Consumer complaint received 2018-09-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Works & Lentz of Tulsa, Inc. (MO)

I receive calls and voicemails regularly in which the representative does not identify who they represent and they make no effort to notify me that they are a debt collector. 
They also threaten to sue me in a state I do not live in. I'm tired of the stress caused by threats and how intimidating they continue to be. They claim to be a lawyer that will sue me but they are just collections agents who work at a lawyers office. They will not work with payments, they expect payment in full for unrealistic amounts and demand that I ask family or friends for money I was also told to cash in my 401k to pay them.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion reported XXXX XXXX at 55 % utilization. Deducted 12 points from credit score. This card is paid in full if used at all in 1-3 days after utilization. Balance presently is zero.
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (PA)

I am writing to delete the following information my file. The items I need to delete are listed in the report. I am victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-11-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (TN)

The original owner of account is Comenity Bank. I got notification from Comenity Bank just recently that the account was SOLD to XXXX XXXX. This company buys debts for pennies on a dollar and attempt to collect full debt. I have asked them to delete debt because I never signed a contract with them which means I don't owe them any money. Why would I pay the {$550.00} when my credit limit was only {$200.00}. XXXX XXXX is reporting inaccurate information to the credit bureau.