davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: LendingUSA (NY)

IT WAS STOLEN MY PERSONAL INFORMATION, WAS STOLEN, I NEVER HAD BUSINESS WITH LENDINGUSA. 

EXPLANATION 1-ALL THIS IS FRAUDULENT WITH FALSE STATEMENTS.

2-I NEVER SIGNED ANY DOCUMENTS WITH YOU ( LENDINGUSA ) 3-NOW THEY ARE GOING TO SEND ME FALSE DOCUMENTS AND STATEMENTS.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and Capital One with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (GA)

Subject : Formal Complaint Regarding Inaccurate Medical Debt Collection I am writing to address your recent efforts to collect on an alleged medical debt associated with my name. The account, listed as a new debt from XX/XX/XXXX with an amount of {$1100.00}, which is entirely inaccurate and invalid. 

Upon contacting XXXX on XX/XX/XXXX, I was informed by agent XXXX that the debt was no longer under their jurisdiction and had been forwarded to another company. Despite this, the debt continued to be reported to credit agencies with inaccurate information. During our conversation, XXXX became hostile and asserted that nothing would be removed, ultimately disconnecting the call. 

Upon my subsequent call, I encountered XXXX once more, and she exhibited immediate hostility. Due to the fraudulent practices, inaccurate data impacting my credit history, and threats of inaction, I have filed a formal complaint. I was later transferred to a supervisor, XXXX XXXX, who stated the debt would be removed in XXXX days, with no further confirmation provided.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IN)

I paid off my mortgage to Ocwen Financial Corporation in XXXX 2015. It is XXXX and I still have not received my title to the house. Looking online for complaints, I see this a common problem with Ocwen. My Mortgage loan prior to Ocwen was with GMAC Mortgage.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I paid a chef to cook for XXXX and she basically never came and I have yet to receive a refund from her. The amount was ( XXXX ) {$250.00} transactions with square totaling to {$500.00}. I disputed the transaction once she stop responding to my request for a refund on XX/XX/23. On XX/XX/23, chase denied it stating it was valid although I sent supporting documents showing the person apologized and offer me a refund that didnt happen.
Consumer complaint received 2024-01-08
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AL)

In XX/XX/2023 i had paid my Home Depot/Citi store credit card off which had a {$520.00} balance. I subsequently recieved a statement reflecting the XXXX balance along with a letter from Home Depot concerning a security incident of an unauthhorized party gaining access to personal information of my account. My next billing statement had a balance of {$28000.00} due, which is fraudulent, as i have not charged anything. And these fraudulent charges are being reported to the credit bureaus reflected on my credit report.
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CO)

On approximately XXXX I contacted Mr. Cooper at XXXX after my loan was transferred by XXXX XXXX XXXX. I requested all info by mail. I was told they already had my bank account info in their system and there was nothing I could do to prevent that. I told the rep that I was uncomfortable with this XXXX rated company and that I did not want my bank account info stored in their system because Mr. Cooper was hacked in XX/XX/2023. 

On approximately XXXX or XXXX, I was contacted by Mr. Cooper. They did not do an automatic withdrawal, and my XXXX payment was still due. I gave my account info and paid the monthly amount of {$2300.00}. No XXXX  fee was assessed. I was told that when I called in future payments it would be a XXXX-time transaction. 

On XXXX, I attempted to speak to customer service about not receiving my statements in the mail. I had to enter several prompts and finally select refinance to speak to a customer service rep. He transferred me to customer service. I spoke with XXXX  service and said that I did not opt out of paper and would like my statements and XXXX  correspondence by XXXX. I was told that I could not speak to a XXXX  service XXXX  to take my payment and had to do it via their prompt each month. I was told that their system retains my bank account info and I could not request a XXXX-time transaction. I asked to speak with a XXXX and was placed on hold. The call was dropped and I attempted to call back but could not do so since there was no option to speak with XXXX  service.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NY)

I contacted Macys and negotiated a settlement for a balance owed. I was also told the account would be deleted from my report once it was {$0.00} balance. I have waited and the account still exists.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I have researched and found according to Fair Credit Reporting Act : Section a-1-A credit agencies are not suppose to accept reports from a third party. We have contacted the courts and they specifically said they DO NOT report bankruptcies to credit agencies. We have contacted by two certified letters, Experian Credit agency, asking them to remove this. We enclosed with the letters, a letter from the court stating their policy. Could you please help us in this matter Experian is the only one still reporting this. 
Thank you
Consumer complaint received 2017-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

An unauthorized hard credit Inquiry was made by XXXX on XX/XX/XXXX and reflected on my Trans Union credit report. I asked XXXX in writing to stop making unauthorized credit inquiries in my name ( e.g. XX/XX/XXXX and XX/XX/XXXX ) but appears they continue to do so. I even filed an Initial Security Alert on XX/XX/XXXX valid for 90 days and was shocked XXXX did an inquiry again. I need XXXX to stop doing this because it effects my credit score.
Consumer complaint received 2015-12-30
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (GA)

This is my second complaint I just filed one yesterday to make my point these people at owcen is next to impossible to deal with they are inconsistent poor communicators and have not respect for people in crisis I got a call from on XX/XX/XXXX from a agent name XXXX he left me a message stating to return his call @ XXXX and if he did not ans.tell the person to get him to the phone instead an agent name XXXX just started asking me questions saying she can help with no regards to my request to speak with XXXX I got annoyed with her and just said anything first she said XXXX was not in yet I asked her what time she expected him then she said he would not be in at all I then called XXXX this XXXX guy answered he was not polite all could hardly understand anything he said all they do is verify info but can not help you after you give them all your demographic owcen must do better this is awful no one should have to go such just to do something as important as getting repairs on your home that you have to live in needless to say it is still raining and I am still dealing with robots. ocwen is company no one should have to encounter.
Consumer complaint received 2019-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TN)

I'm trying to qualify for a mortgage in Tennessee, and every one of about a dozen lenders have refused to follow either of this section of Handbook 4000.1 : A Title II Insured Housing Programs Forward Mortgage ( I ) Rental Income ( Manual ) II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT A. Title II Insured Housing Programs Forward Mortgages 5 Manual Underwriting of the Borrower b. Income Requirements ( Manual ) Effective Income Definition ( I ) Rental Income ( Manual ) ( 3 ) Rental Income from Other Real Estate Holdings ( Manual ) ( c ) Calculation of Effective Net Rental Income ( i ) Limited or No History of Rental Income To calculate the effective net Rental Income from other real estate holdings where the Borrower does not have a history of Rental Income since the previous tax filing, the Mortgagee must deduct the PITI from the lesser of : the monthly operating income reported on XXXX XXXX Form 998, or 75 percent of the lesser of : fair market rent reported by the Appraiser ; or the rent reflected in the lease or other rental agreement. 

Every lender calculates income by using ONLY the total amounts reported for each tax year. For example, a property that brought in a single {$200.00} rental payment in XX/XX/XXXX, and has been re-leased for {$500.00} a month in XX/XX/XXXX, shows up as {$12.00} a month in current income considering a 25 % vacancy factor : ( {$200.00} / 12 x .75 ). 
All rental income has been reported to the IRS for the past ten plus years. Including the recently established rentals on  properties owned for years, and it now generates gross rental income of {$5000.00} per month ; but no lender will count more than {$1500.00} of it.
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have informed Trans Union of my case of Identity Fraud. It is your companies responsible to publish accurate information. I understand that i have to contract each company I have done so. Now I am Demanding Trans Union to follow the FCRA and publish accurate information.If I am informing your company of the issue of Identity Fraud it is your responsible to investigate the Furnished information. Inquires remain on your credit if I authorize the company or employer to view my credit with my consent in this case I DID NOT AUTHORIZE THE COMPANIES LISTED.I will be seeking advise from my ATTORNEY GENERAL. On this matter if its not resolved XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting XXXX hard inquiries on my credit profile which I never authorized : I have called and requested for fraud alerts and requested them to remove the inquiries so many times and every time they would say they are not authorized to remove any inquiries. Those inquiries are hurting my credit score badly. Most importantly I never authorized them. I requested Transunion to request for signed documents as the evidence of my authorization from those companies but did not have any luck. I badly need help in removing those unauthorized inquiries from my Transunion report.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to file a complaint with trans union regarding inaccurate information from XXXX XXXX I sent 3 Disputes to XXXX XXXX XXXX on XX/XX/2016 XX/XX/2016 XX/XX/2016 They Never Responded and Continue to report the account
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Someone intercepted XXXX XXXX  pmts we made to IRS and XXXX, and tried to divert funds. We notified bank BEFORE funds were released, and they stopped payment. It's been over 4 months and we have NOT yet been credited! They at first said it was under investigation, then said disbursement had been approved, but still no credit to our acct!!
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

I ordered a new debit card on XX/XX/XXXX, which I never received. 
On XXXX XXXX XXXX I noticed purchase transactions that I did not make. 
I reported the fraud to my bank ( Wells Fargo ). I have called them multiple times per week since the fraud occurred. I have been into the bank in person to discuss 3 times. 

I don't know what else to do. Below are the transactions being disputed, which some Wells Fargo has reimbursed me. 

These 6 transactions were denied repayment and I did not make these purchases. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I sent {$8500.00} to a network of scam artists by XXXX linked to my Citibank checking account. First I sent {$5000.00} to a scammer by XXXX on XXXXXXXX. I sent another {$3500.00} by XXXX to the same scam network on XX/XX/. I gave names and phone numbers of XXXX individuals who I sent the money to. I told Citibank to contact the banks where the scammers had the accounts to which my money was sent to, identify the owners of those accounts and have the receiving banks to close the accounts to prevent other people from getting scammed, report the details of the fraudulent transactions to law enforcement and recover my money. Citibank told me that they did the investigation and they cant recover the money because I sent the money. I dont believe that Citibank contacted the banks where the scammers had their accounts and worked together with the banks with fraudulent accounts to find the scammers and reported the scam to law enforcement. Citibank also promised to mail me the details of their investigation, but they never did. I didnt get any useful information from the bank and they didnt refund the {$8500.00} that I sent to the scammers.I also contacted XXXX and they did nothing.
Consumer complaint received 2024-01-03
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: GOLDMAN SACHS BANK USA (FL)

This company made a remark that I didnt upload documents supporting my issue when I did and they still failed to comply and remove this business credit card from my personal credit.. Ive attached serval documentation along with photos showing theyre website always have error issues for over 10 days or more.. If failed to comply I will take civil action against this company..
Consumer complaint received 2024-02-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

In XX/XX/XXXX, I had several incidents of fraud on various accounts including my bank, Coinbase, and XXXX. On XX/XX/XXXX I closed out XXXX bank accounts that were compromised. 

On XX/XX/XXXX, I received notification texts of OTP for someone trying to log into my Coinbase account. I received XXXX emails ; XXXX saying my closed bank account is no longer linked to Coinbase, and another that a XXXX dollar XXXX purchase was just made with that very same account. 

It seems like whoever got access to make this purchase, then was not able to send it off the platform, for the $ XXXX worth of XXXX stayed in my account. 

I Locked my account, went through account recovery, reset my password, and update to XXXX factor authentication. 

I took screenshots of suspicious account activity in my account logs, changed all major account passwords across my platforms, and ran malware scans on my laptop. The scans shows some suspicious malware that points to a banking malware called XXXX. 

I filed a claim with coinbase of this fraudulent transaction on XX/XX/XXXX. 

I notified my bank of the incident as well. 

On XX/XX/XXXX I was notified that the transfer failed, and was instructed to pay back the owed amount. Repayment was completed at XXXX EST that day, for the amount of {$35000.00}. 

My Coinbase account was restricted, and I have been unable to connect my new bank account or send any assets off the platform. 

All my assets that I had on the Coinbase platform have been inaccessible for months. 
I have submitted XXXX support cases. On XX/XX/XXXX. XX/XX/XXXX, & XX/XX/XXXX Each time they took my information and said they would escalate to a special team and I would hear back in XXXX business days. Each time I have never heard back. 

I submitted a complaint on XX/XX/XXXX. On XX/XX/XXXX I was informed that they are unable to restore my account, and unable to provide any more information.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Carmichael & Frost LLC (TX)

Carmichael and frost sent out a huge email blast to complete strangers notifying a debt that has my parents name. A police report was filed 6 years ago for identity theft. The debt originally came from XXXX but 6 years ago when they were asked to verify the debt they never could. They are threating to go through their assets without court order. I have already sent them a formal do not contact letter because my name is not on it but they continue to contact me. They email and text me. I consulted a lawyer who informed me they are not allowed to contact non involved parties more then once. They have contacted me 3 times now.
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (CA)

Called Mr Cooper loss mitigation on XX/XX/2024 to request payment Deferral to resolve my 12 month missed payment. My investor should be XXXX XXXX or XXXX XXXX. The qualifying event based on FEMA website is XXXX. It was declared major disaster area and qualifies for individual assistance. Based on investor guidelines I qualify for 12 months mortgage deferral. At the time of my complaint Its been 26 days still resolution on my loan.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello, My name legally changed in 2015 and the credit reporting agencies refuse to accept the court order and make the change to the credit report ( The previous name must not be disclosed, per court order - more than five years after the change ). This has resulted in a denial of credit because of lack of a credit history and a fraud alert on my account. 

They have stated that they will not change the information unless it comes from an original creditor, but this is false credit reporting because it is my history, my former ( birth ) name, and my new ( legal ) name. 

One of them did finally agree to make the change, but still sends my information in the former ( birth ) name AND when it did reflect the new ( legal ) name, they included a middle initial. There is NO MIDDLE NAME/INITIAL.
Consumer complaint received 2024-02-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

About three months ago, my Coinbase account for a few years was put under review and locked by Coinbase ( coinbase.com ), which means I can't buy or sell or in any other way touch my investments in the Coinbase account. Coinbase app claimed that they need to verify my information. I contacted their customer service over the phone on XX/XX/year>, and completed all the verification steps instructed by the customer service agent on the phone. The agent on the phone confirmed they've got everything, and nothing else is needed from me, and they will review my information. They gave me a case number. However the customer service agent refused to provide any timeline around when the review will be done, and just told me to wait. 

Now it's more than 3 months since my account was put under review, and it's still locked. I tried to follow up with Coinbase using the customer service email they sent me but got no response. Please help me. 

For reference, here 's my case number given by Coinbase customer service agent : # XXXX
Consumer complaint received 2018-05-31
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: Bread Financial Holdings, Inc. (GA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX with no successful resolution. XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.