davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2022 Citibank allowed the unauthorized transactions of a man Ive never heard of to change my account over to his information and then allowed him to transfer all of my money from my savings to checking and then proceeded to wire transfer himself {$65000.00} dollars out of my account. I never approved any of this and have never done a wire transfer in my over 40 years of banking there. I contacted Citibank immediately after seeing an email saying my transaction went through. I was on hold for 3 hours Before reaching fraud department. I went to the branch the next morning and made almost daily phone calls. I was never reassured of anything or treated properly. I was told different things by different people. I was promised an investigator would call me on the case, told letters would be mailed out. I have received no phone calls or letters at all from Citibank. Never spoke to the investigator they promised would call. They told me to give it 60-90 days. I have no XXXX to pay bills since XX/XX/XXXX. I was told on the phone last Friday my claim was denied and I was told I wouldnt get my money back. They told me a letter was sent. I have never received the letter. They allowed all of my life savings to be stolen from me. Please help me
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I, as a federally protected consumer, have reached out to Capital One 3 times via certified mail in regard to 3 accounts and requesting information in which I have yet to receive neither a response nor the documents and information in which I requested. The certified mail for each separate correspondence is posted as received on XX/XX/2022 @ XXXX.
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

ON XXXX 2016 XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX PERFORM TRUSTEE SALE ON BEHALF OF MY BENEFICIARY -LENDER WELLS FARGO BANK & MORTGAGE XXXX XXXX XXXX IN THE STATE OF XXXX IN THE FRONT OF JUDGE XXXX XXXX AT THE JUDICIAL BRANCH OF XXXX UNDER CASE # XXXX FOR PARCEL # XXXX ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THEY WERE REPRESENTED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHEN THEY SOLD IT IMMEDIATLY TO XXXX IN THE XXXX. THE ENTIRE SALE IS SCAM BETWEEN WELLS FARGO, XXXX & XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NH)

I had XXXX as my mortgage company and when XXXX hit last year, my husband and i both lost our jobs, so we couldn't come up with the mortgage payment since we were both unemployed. I called XXXX and they had a program to defer the payment for 3 months and then i was able to extended for 3 more months. According to XXXX, the months i missed are suppose to be added to the end of the loan. Few months down the road, my husband went back to work and we start the payments again on our mortgage but every time i paid the money got applied to the oldest month open! 
In the meanwhile, Select Portfolio Services took over the financial side for XXXX XXXX and they start asking for the full amount that i was behind on about XXXX k, i told them it was suppose to be added to the end of the loan and they denied that. I did not have anything in writing from XXXX, since it was an automated system that let me defer the payment for 6 months or so. 
Now i have been going back and forth with Select Portfolio Services to try to resolve the issue with them, they told me they will review my account with the underwriters and let me know! they requested some documents, like paystubs for my husband and W 2 and employment verifications etc and i feel like this is been taking forever and ever. I need to refinance my mortgage and this is kind a in my way, because on the statement it shows that i am behind and i owe XXXX k even though i have been paying every month. 
please help me resolve this issue with them. thank you
Consumer complaint received 2022-07-19
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. (MO)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$420.00} ; XXXX Balance : {$100.00} ; XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$87.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2016-09-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

Bay View Loan services is my mortgage company. They have not paid my property taxes and now my taxes are up for sale as of XX/XX/XXXX. I called the company several times and its not being resolved. I obviously do not have the money to pay these taxes because they have it. I am not sure what to do next.
Consumer complaint received 2021-04-07
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: JPMORGAN CHASE & CO. (IL)

I already reached out to the credit bureaus and to XXXXXXXX XXXX XXXX XXXX for the account number XXXX and notify them of their error posting for this account. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2024-02-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

Sent a Debt Validation letter to JEFFERSON CAPITAL SYSTEMS which was ignored but XXXX was able to verify the debt as accurate without providing a report or evidence that the company was able to verify the collection as accurate. I was recently a victim of Identity theft and I notified XXXX of this event but the report was verified as accurate extremely quickly. I believe no investigation was done, because XXXX investigated the same debt collector and determined that the collection was not valid. XXXX did not do its due diligence on this claim.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (WA)

I have already paid for the balance of {$1800.00} still showing on the various credit bureaux on XX/XX/3021. I contacted the Navy Federal Credit Union to update the credit bureau but to my dismay nothing has been done. This is indeed affecting my mortgage rate.
Consumer complaint received 2021-04-07
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. (AZ)

XXXX Account # XXXX for {$34000.00} and XXXX Account # XXXX XXXX XXXX XXXX for {$25000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XX/XX/XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

On XX/XX/2023, I mailed a letter to two credit reporting agencies to get personal information removed that doesn't belong to me and I have not received any letters about or updates about the data being removed. I have refreshed my credit report on my credit monitoring site and the old information still appears.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

This is a dispute about how Paypal charges its US customers for purchases made in foreign currency. 

On XX/XX/2021, I made a purchase of {$140.00} in XXXX dollars, and used Paypal to pay for purchase with my USD Visa credit card. I expected Paypal to charge me {$140.00} CAD, which my credit card issuer would then exchange into USD. Instead, Paypal took the liberty to perform the exchange itself, and charged me in USD directly. 

Accoring to XXXX, a {$140.00} XXXX purchase on XX/XX/2021 would have converted to {$110.00} USD. ( My credit card company has no foreign exchange fee. ) Instead, Paypal charged me {$120.00} XXXX, which reflects a 4.4 % markup. 

I did not authorize Paypal 's currency exchange. Throughout the purchase, the web page displayed the CAD amount prominently, and did not ask me if I wanted Paypal to perform the foreign exchange. I expected to be charged {$140.00} CAD, and have my bank perform the foreign exchange with a reasonable exchange rate. 

What Paypal has done is very sneaky, underhanded, and unethical. 

The dollar amount involved here is very small and not important to me. But the overall amount involved across all of Paypal 's customers is surely significant. Paypay 's sneaky attempt to steal money via unauthorized foreign exchange fees left a very bad taste to me, and Paypal should not be allowed to keep doing it.
Consumer complaint received 2021-04-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TN)

Navient continues to call me over and over about wanting to reduce my debt ( when they have already told me they cant ) i have repeatedly ask to stop to calls. They called saying i am past due and not sure how that is possible when i paid in full and did not have a carry over balance, according to their systems. Now I show i am past due XXXX and the callers are very aggressive with me and refuse to stop calling me
Consumer complaint received 2021-04-07
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. (AZ)

XXXX Account # XXXX for {$49000.00} and XXXX Account # XXXX XXXX XXXX XXXX for {$32000.00} are the sole responsibility of XXXX XXXX XXXX, DOBXXXX, SSN=XX/XX/XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Have 2 delinquencies on credit report per loan. Out of 6 loans. I now have 12 delinquencies as if there are multiple accounts. Now when my 6 loans expire I will have 6 more that will be on my credit report until 2024.
Consumer complaint received 2015-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NJ)

On Experian there has been items on that do not belong to me and other people Social Security Number is link to my credit report the had me married to my mother had several incorrect mailing address and things that was satisfied or good standard as negative and they reporting thing from XX/XX/XXXX or XX/XX/XXXX. Please investigate XXXX, Experian, XXXX for there reporting policy and procedure and ensure that are following United States Federal Regulations also check phone line option it did not give you a choice to speak to customer service representative because I call prior to going online to dispute item on my credit report what they do when you have a customer that do not have access to internet we do not have the right to dispute the item on my report. Please this is problem that occured and why does it take so long to receive a credit report.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-04-07
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. (AZ)

XXXX Account # XXXX for {$49000.00} and XXXX Account # XXXX XXXX XXXX XXXX for {$32000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XX/XX/XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2023-04-05
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: JPMORGAN CHASE & CO. (CA)

I have reached out to Chase and XXXX XXXX several times that I live in CA and someone established a mortgage in XXXX. After much research, it appears Chase had the mortgage first and then XXXX XXXX had second This is not my debt please remove it from my credit report. Or provide proof with my wet signature that it is my debt
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (TX)

On XX/XX/2021, I wrote a letter to CMRE, requesting them to provide proof that they are, in fact, contracted with XXXX XXXX in order to collect a debt that is not owed to them. Further, I requested validation of the debt, including a contract between myself and XXXX XXXX. 

Certified Mail Number XXXX XXXX XXXX XXXX XXXX I have, since then, received none of which was requested. However, CMRE continue to report this account to my credit report.
Consumer complaint received 2021-04-07
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: Santander Consumer USA Holdings Inc. (NY)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2022-08-09
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. (GA)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXX  XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$100.00}
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As a victim, I am writing to dispute information contained in my credit file regarding unauthorized inquiries. It is important to stress that under the Fair Credit Reporting Act ( FCRA ), all unverifiable and unauthorized information must be removed. It is deeply concerning that my rights have been violated by the reporting agencies, despite providing them with proper documentation, such as an FTC report, to conduct their investigation. Regrettably, I never received a follow-up regarding my request. It is crucial to note that as a credit reporting agency, you are required to maintain strict procedures to ensure that all public record information likely to have an adverse effect on a consumer is complete and up to date. You have a legal obligation to complete your investigation within 30 days, as permitted by law, and mail the results to me. Any failure to do so will only compound the situation and further harm my credit profile forcing me to take more drastic measures. Please be aware that your credit reporting agency is now subject to federal consumer financial laws, including the FCRA and related regulations. These laws include a ban on " abusive '' acts or practices, as outlined in Section 1031 of the Dodd-Frank Act. Therefore, I implore you to take this matter seriously and act promptly to remove any unauthorized inquiries from my credit file.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

Approximately 4 to 5 years ago my wife and I set up a banking account with US Bank located in XXXX Colorado. We initially deposited nearly {$5000.00} ( XXXX XXXX dollars ) and were issued a pre-paid Visa card for the amount - mentioned. I had also arranged for my direct deposit through Social Security Administration to be deposited to this account. The bank cards we received ate US Bank Conveinent Cash. After a few years my wife and I divorced. She said she would take care of this particular bank account but apparently she failed to do so. I am inquiring about this account because according to what my ex-wife said that there was still a balance in the account of approximately {$3000.00} dollars- which is still unclaimed - though it was my direct deposits from Social Security Administration which accumulated during a lengthy hospitalization of mine. My ex-wife along with myself visited one of the branch locations of US Bank in downtown XXXX but they were extremely incooperative in ovtaing the information if we still had an unclaimed balance. We both called numerous US Bank locations and were given a runaround by US Bank employees. I still have my US Bank card since our divorce a couple years ago. I am requesting assistance from Help With My Bank.Giov to determine if I still have an unclaimed balance in this account since US Bank has been extremely uncooperative in this matter. Also, the location of the bank where we first opened the account was located at the corner of XXXX XXXX and XXXX XXXX. This US Bank location has long since closed and the building was demolished. However, I am still entitled to claim any monies still with US Bank. 

*** Images of US Bank Card -Attached The account information from the bank card received upon opening of this account is as follows ; US BANK Conveinent Cash Card XXXX Valid Thru XX/XX/19 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

My name is XXXX XXXX XXXX, im a federally protected consumer, and I am making this complaint against SMITH, ROUCHON & ASSOCIATES, INC for committing identity theft. I have never given SMITH, ROUCHON & ASSOCIATES, INC any permission to use any of my identifying information to commit fraud by communicating to me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SMITH, ROUCHON & ASSOCIATES, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SMITH, ROUCHON & ASSOCIATES , INC continues its collection efforts, I will file for litigation for actual damages caused and SMITH, ROUCHON & ASSOCIATES, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, & securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202 ( f ). Your prompt attention and response are both requested and required.