davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
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. (CT)

I am the victim of identity theft I have recently have information to believe that my identity has been compromised I was recently engaged to someone who has access to my personal information and have reasons to believe accounts where open or have been maintained without my consent or prior knowledge
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/XXXX a phone number ( XXXX ) XXXX and ( XXXX ) XXXX called my family members and spouse trying to retrieve my personal information stating I wrote a bad check in XXXX and that navy federal is suing me and. ( I did not write any checks with them in that year and Navy federal has never reached out to me in regards to that. They became belligerent on the phone cussing at my fiance for asking who they were and to stop calling. When you call all they say is " law office how may I help you '' they were telling personal information about a " case '' with my parents. Gave them the attorney name XXXX XXXX with case number XXXX and that I am being sued and that my father was also co signed on a loan by me. My parents are not in even the same state as me. I don't even know how they got their new numbers and my fiance 's new number. I have not received anything by mail or phone in regards to this matter they speak of.
Consumer complaint received 2017-09-14
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: Experian Information Solutions Inc. (MN)

I had fraud accounts on my credit report and I informed Experian several times and there 's been nothing done about it, they told me to get a police report and I did and sent it to them and the items are still reporting. It has been a year and half now that I been trying to fix this issue. 

Account Name XXXX Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX. I have never been late on this account. 

Account Name XXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. 

Account Name XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. 


Account Name XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. 

Account Name XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. 

Account Name XXXX XXXX XXXX Account # XXXX Reason for disputing : Fraud Account, I contacted the XXXX  XXXX XXXX and said they cleared me from responsibility on this account however Experian is still reporting this account Account Name XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. 

Account Name XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. 

Fraud Inquires : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

THIS IS THE 4 TH LETTER I RECEIVED FROM MR COOPER DATED XX/XX/2023, STATING MY APPLICATION FOR TRIAL MODIFICATION DEEMED COMPLETE ON XX/XX/2023. I WAS TOLD 3 TIMES OVER THE PHONE NOTHING ELSE IS NEEDED AND FINAL ANSWER TO MODIFY MY ACCOUNT WILL BE BY XX/XX/2023. OVER 7 MONTHS OF PROVIDING PROFIT & LOSS, BANK STATEMENTS OF {$22000.00} PER MONTH RENTAL INCOME 3 TIMES, 5 MORTGAGE STATEMENTS WITH LETTER OF EXPLANATION THAT I AM A SMALL LANDLORD WITH NO PAY STUBS OR INCOME TAX RETURNS TO PROVIDE. 

DURING XXXX XXXX  NATIONAL DISASTER FOR ABOUT 2 YEARS NO TENANTS PAID RENT AND I COULD NOT EVICT ANYONE FROM MY UNITS. MR COOPER IS INTENTIONALLY PUTTING ME AND MY FAMILY IN HARMS WAY TO FORECLOSE MY PROPERTY EVEN THOUGH I AM IN A BETTER POSITION NEEDING THEM TO HELP ME SAVE MY HOME SINCE I PROVIDED FULL PROOF TO THEM SEVERAL TIMES AND I WIRED THEM {$6500.00} TO PAY OFF MY ESCROW STILL, MY ACCOUNT KEEP CHANGING HANDS ALWAYS A DIFFERENT PERSON EACH TIME REQUESTING DOCUMENTS I ALREADY PROVIDED MAKING MY SITUATION A NIGHTMARE. PLEASE HELP ME. 
REGARDS, XXXX XXXX XXXX XXXX XXXX VETERAN WITH HONORS
Consumer complaint received 2021-11-29
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NY)

I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have NOT received an update for CFPB Complaint- XXXX. Bank of America has not contacted me and all of the fraud charges need to be credited ASAP. I have only received a partial credit. Please RESOLVE this ASAP!
Consumer complaint received 2020-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

Responded to a XXXX add selling XXXX XXXX XXXX. Communicated with the seller via text about the process. Agreed to a {$700.00} deposit to reserve a puppy. Once payment was made via Zelle using my XXXX XXXX XXXX account, the seller stopped responding to texts and phone calls. 

Date money sent : XXXX Amount : {$700.00} Transaction ID : XXXX Sellers name : XXXX XXXX Sellers email : XXXX XXXX
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I generated an online bill pay check I instructed to be made payable to a lawn and landscaping company for {$210.00} on XX/XX/XXXX. On XX/XX/XXXX I received an email from the company reminding me that I needed to send them a payment. I checked Huntingtons online bill pay and saw that the check that was sent was cashed. In looking at the copy of the check that cleared it had been made payable to an individual not a business at a different address than I had provided in online bill pay. I do not know this individual and have filed a police report as well as given a copy of the cleared check front and back to the XXXX XXXX Police Dept. 

I informed the lawn service that the check was cashed by the above individual, they do not know a person by that name. I received an email a couple days later from the company letting me know that another one of their clients used Huntington Bank to pay them and that client had their Bill Pay check cashed by the same individual as well. 
I do not know if the error occurred on your end or this person intercepted and altered the checks somehow. 

As of now, it has been almost 3 months and there has been no resolution. Every time I call Huntington I have had to wait on hold for at least 30 minutes before I speak with someone. No one seems to have an answer as to what is going on with the dispute. The last answer I received was that they were waiting for the credit union that cashed the check ( Via mobile deposit ) to respond 8 weeks after they had initially informed me they contacted them. I asked if anyone had followed up with the other credit union and their reply " I don't know I haven't heard back ''. I was on hold waiting for the agent to connect me with the dispute department and while on hold, the individual hung up on me and put notes in my account that the call was " disconnected '' I called back, and received another agent who assured me she would look into it and give me a call back a week later. This day has since passed and I have not received a call. 

The majority of this information was supplied to Huntington bank in the affidavit I filled out and returned to the branch in XXXX ( XXXX ) to submit. 

There appears to be no quality control in the customer call center based on the several experiences I have had. Some of the individuals were nice enough but, no one seems to actually care about the problem or follow up with me as promised. I asked for the escalations department at one point and they put me on hold for at least 10 minutes. When they came back the escalations department had told the agent that they didn't want to talk to me and she said she would call the person working on the dispute. After waiting on hold again that is when I was disconnected.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently reviewed a copy of my credit report and identified fraudulent accounts that are negatively impacting my creditworthiness. Kindly remove these accounts promptly, as they hinder my ability to obtain credit. Regarding the collection with no name or contact information, Im taking immediate steps to secure my financial standing and request the removal of this account from my report.
Consumer complaint received 2022-09-15
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. (FL)

I have tried many times to reach Experian with no response whatsoever. I have no accounts or credit score showing on this agency even though I have many good standing accounts open with different credit card companys and financial institutions. I ve reached out to this credit cards and banks to ask them to report the major credit agencys and their response is always the same. ( We report every month please reach out to Experian ) this is my last resort since Experian never answer phone calls or letters.
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

Met this person on XXXX. Got lured into this website site XXXX XXXX XXXX XXXX ) by this person from XXXX XXXX XXXX XXXX XXXX  XXXX ). I Deposited money with international money transfers apps ( XXXX  Western Union, XXXX, XXXXXXXX XXXX  ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : XXXX : XXXX Please help me, what should I do to get my funds back.
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (GA)

XXXX XXXX has received funding in the estimated amount of {$1500.00} on my behalf from XXXX a program which covers any/all balances on this utility account.I made several calls to XXXX XXXX to have my initial Deposit of {$180.00} returned to me in a check within XXXX business days after closing the Account back on XXXX XXXX. I was told I will receive this check in the mail which I also updated the new mailing address after waiting the allotted time no check was mailed to my current. I called XXXX XXXX and was told by another representative that they are sorry for the inconvenience and miscommunication but my initial security deposit 0f {$180.00} was applied to the final bill balance and any of the remaining money that was funded in the amount of {$180.00} of my deposit will be refunded back to the XXXX XXXX XXXX. I then called the direct agency to verify I gave no balance owed to XXXX XXXX. on my behalf and if that was the correct procedure to have any remaining allowed funding per participant returned back to them I then get an alert on my XXXX Credit Report notifying me that this is a debt that is owed to XXXX XXXX and its been given to PROFESSIONAL CREDIT XXXX XXXX XXXX XXXX, OR XXXX to collect the alleged debt amount of {$320.00} this is unfair inaccurate information reported on my credit report.
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CMI Group, Inc. (WA)

XXXX called and did not identify her title or business. 
She went on to ask me for personal information regarding my address and other identifying information. I stopped her and asked who she was and with whom she was employed by. She spurted out Credit Management and then went right back into asking me personal questions. I stopped her again and asked what kind of business she was calling in reference to. She refused to answer until I confirmed sensitive information. By this time I Googled this company and discovered it was a collections or lawyer looking for debt reconciliations. I told XXXX that she should have identified herself by title and her business name before asking sensitive information. She said that was not required by collections companies to collect debts. She then proceeded to tell me that since I won't give her my personal information that she will hang up. She hung up.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I have a credit card from XXXX XXXX XXXXXXXX and have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. I called XXXX XXXX XXXXXXXX, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXXXXXX XXXX XXXXXXXX with no successful resolution. Experian, XXXX, and XXXX reported me 30 days late in XX/XX/2022. There was an error on their part. I was never 30 days late.
Consumer complaint received 2022-04-04
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. (FL)

I have a Citi Bank card. My account was used by someone in the XXXX. They purchased {$2800.00} from XXXX XXXX in XXXX Citi closed that account and opened a new account and gave me a new card. I was happy with the response. Apparently, Citi got the money back from XXXX XXXX but Citi turn around and charged me again for the {$2800.00}. I have called Citi Bank since XXXX of 2021, when the initial fraud was detected, and still to this day, Citi has not cleared this fraud amount. I have called them every month at least 2-3 times a month and of course their calls are all outsourced to another country. Citi Bank is not helping me at all!! They are charging me for something that I did not buy!!
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I hope this letter finds you well. I am writing to express my deep disappointment and frustration regarding the ongoing issues with the late opening and removal of the late closed status on my account. 

Despite numerous attempts to address these concerns, it is disheartening to inform you that the problems persist, causing significant inconvenience and dissatisfaction. I initially brought the matter to your attention, and despite multiple efforts on my part, the resolution remains elusive. 

The delay in opening my account has created challenges that I had not anticipated, affecting my ability to utilize the services provided by your company as intended. Additionally, the persistence of the late closed status is a matter of grave concern, impacting my creditworthiness and causing undue stress. 

I have made repeated attempts to rectify these issues through your customer service channels, providing all necessary information and documentation. However, the lack of a comprehensive and effective resolution is both disappointing and unacceptable. 

I request that you urgently investigate the root causes of these persistent problems and take immediate corrective action. It is imperative that my account is opened without further delay, and the late closed status is promptly removed to restore my financial standing. 

I expect transparent communication regarding the steps being taken to resolve these matters and seek assurance that similar issues will not occur in the future. Timely and effective resolution is crucial to maintaining my trust in your company 's commitment to customer satisfaction. 
If these issues are not promptly addressed, I may have no choice but to escalate this matter through regulatory channels to seek a fair and just resolution. I am asking for your assistance to correct these late open accounts and remove the late closed accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$59.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Balance Owed : {$0.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX XXXX & XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (FL)

I asked the credit bureau to verify my accounts and the claims to verify but the same information keeps coming up even the names, telephone numbers, employments and inaccurate information. 

In accordance with the fair credit reporting act XXXX  the various account have 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 with out my written instructions.
Consumer complaint received 2022-09-15
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. (FL)

I asked the credit bureau to verify my accounts and the claims to verify but the same information keeps coming up even the names, telephone numbers, employments and inaccurate information. 

In accordance with the fair credit reporting act XXXX  the various account have 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 with out my written instructions.
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I got robbed on XX/XX/2018. Thieves stoled my Kohls credit card. Called their customer service and spoke with someone who did not want to help. Emailed company on XX/XX/2018. No response. Called again on XX/XX/2018 and customer service was no help again.
Consumer complaint received 2021-07-16
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. (NY)

On this day of XX/XX/19 i learned that my credit had been pulled 3x for auto loan, XXXX XXXX, XXXX, & XXXX XXXX. They're not reflected on all my reports. i simply want the accounts & or inquiries off of my report.