davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

It is Nationstar/Mr. Cooper 's policy not to correct an error in the CFPB rule and RESPA and allow their local counsel refuse to allow a correction. See attached XX/XX/XXXX response to the following complaint made over 6 times since XX/XX/XXXX : XX/XX/XXXX Nationstar accepted the amount of {$170000.00} from me. XX/XX/XXXX, Nationstar refused to credit the full amount of interest collected from me and held {$14.00} of interest collected in a suspense account where it remains as of today XX/XX/XXXX, holding the loan open with XXXX XXXX as the current owner, 8 years after the loan was overpaid to Nationstar. See attached XX/XX/XXXX, Nationstar refused to credit my payment to them for lenders fees of over {$1900.00} and still holds the amount uncredited in a suspense account, without any proof of services these fees were originally collected for, leaving my loan open, and under paid. See attached. XX/XX/XXXX Nationstar over charged me for late fees collecting {$2800.00} when I only owed {$1500.00}, and made an inaccurate payment allocation of {$11000.00} that causes the appearance that I was late for 196 months. See attached. This conduct caused 6 years of repeated reporting that I was currently 120 days or more past due, repeatedly claiming I was under a partial payment agreement, with Nationstar as of today claiming their outside counsel will not allow for the suspense account to be emptied and amounts credited to what they were charged for. After 8 years, I can not apply for a residential loan because I can not explain why Nationstar claims I had XXXX  current payments on an XX/XX/XXXX Verification of Mortgage, nor can I explain why a suspense account is still existing, nor why the company refuses to fully credit my final over payment to the company accepted XX/XX/XXXX. I sent a notice of error XX/XX/XXXX to which I have received no response. I filed a complaint in XX/XX/XXXX with your agency and the attorney just emailed an account history proving my claims above without any correction at all. I sent a request for closure of the suspense account and inaccurate payment allocation of {$11000.00} to late fees in lines 81-86 and under credit of interest paid in line 95 on XX/XX/XXXX and have received no response. I have asked twice for proof of services for the uncredited payments for unearned fees held in suspense in lines 89-94 and the company has provided me with no proof of any services or nor have I received a certified copy of the checks claimed to have paid over {$1800.00} in non descript advances in XXXX This conduct violates 12 USC 2605 but 15 USC 1639 ( f ). As of today, I am not able to find relief in corrections that the law states no servicer shall refuse to correct.
Consumer complaint received 2015-09-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Messerli & Kramer P.A. (WI)

I never heard of said debit till I checked my credit report and then come to find out its from 2006, I do not recall this debit and its past the statute of limitations ... I did ask for verification of the original contract and sent a judgement again I no knowledge of this judgement and I am on XXXX
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened a new Citibank Priority Checking account via a promotional offer over 3 months ago. Based on this promotional offer, after I deposit {$50000.00} new money into my Citi Priority checking account and keep the balance for 60 days, I should receive {$700.00} bonus in my Citi priority checking account. 

I have met all the requirements of this Citibank promotional offer. However, so far I have NOT received the {$700.00} bonus in my Citi priority checking account yet. I request Citibank to post the {$700.00} bonus to my Citi priority checking immediately without any further delay.
Consumer complaint received 2017-03-12
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CCS Financial Services, Inc. (LA)

This my second time disputing this collection item. I file for bankruptcy XX/XX/XXXX and discharge on XX/XX/XXXX. This item originally XXXX was included in my bankruptcy. They are reporting it wrong. I file a dispute again XX/XX/XXXX & they responded within a couple of hours by marking flagged account for collections. No, investigation? 

CREDIT CONTROL SERVICE has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 
ALERT DETAILS Alert Date XX/XX/XXXX Source XXXX Company CREDIT CONTROL SERVICE Address XXXX XXXX, MA XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/XXXX Balance {$130.00}
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

After reviewing my credit report I discovered that several items that is being reported to my consumer report are inaccurate, I never gave permission to run my consumer report nor did I sign any SSA-89 Form releasing information giving permission for anyone to utilize my Consumer Social. I have went over each item and can validate that there is no error on my end and my consumer right has been violated according to 15 USC 1681B, I am asking to remove each unauthorized item from my consumer report within 4 business days or I will be force to take legal action. I have attached proof of my identity therefore you will know that this is myself the natural person requesting this information be deleted completely.
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a Capitol One XXXX credit card. The card became damaged and kept saying " chip error '' when I would use it so I ordered a replacement card. I never received the new card. Instead, I come to find someone broke into my mailbox, somehow activated my replacement card, and began using it. There were many charges made to my account however, Capitol One is saying I am liable for the charges made " in person with the physical card '' even though I did not make, know of, or authorize the charges. They just charged back my account with {$1000.00} in which are mostly from XXXX XXXX, XXXX and XXXX. I did not make these purchases!!
Consumer complaint received 2015-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Both reporting agencys report a address for me as XXXX XXXX XXXX XXXX, Pa. XXXX. This is not correct!!! I do not, nor have I ever had or used this address. I do not know if someone has tried to get credit using my information!! This has me very concerned. Thank You for your time!!!!!
Consumer complaint received 2022-01-19
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: Self Financial Inc. (NC)

I have reached out to the creditor " Self Lender '' in regards to a FCRA VIOLATION with a closed account. The creditor is not reporting the SAME INFORMATION ACROSS ALL 3 CREDIT BUREAUS. All 3 reports show different information. This is a FCRA violation and a violation to my FCRA rights WHICH DEMANDS REMOVAL OF THE ACCT!! I have sent valid proof of this issue and the creditor still failed to comply to CORRECTION. By law due to these violations the account must be removed from the credit reports! I HAVE DISPUTED THE ACCT AND STILL DID NOT GET THE CORRECT RESOLUTION. 


MY PAYMENT HISTORY SHOWS TOTALLY DIFFERENT ON ALL 3 CREDIT REPORTS! 
ON XXXX IS SHOWS NO PAYMENT HISTORY AT ALL!!! >>>>THIS IS A FCRA VIOLATION DUE TO INACCURATE REPORTING. 

ON XXXX IT ONLY SHOWS PAYMENT HISTORY FROM XXXX. THE ACCOUNT CLOSED IN XXXX IS A FCRA VIOLATION DUE TO INACCURATE REPORTING. 

ON XXXX IT ONLY SHOWS PARTIAL PAYMENT HISTORY.>>THIS IS A FCRA VIOLATION DUE TO INACCURATE REPORTING. 

THE DATES OF LAST ACTIVITY ARE ALSO DIFFERENT ON THE REPORTS>>THIS IS ANOTHER FCRA VIOLATION DUE TO INACCURATE REPORTING. 

THE DOCUMENTS ATTACHED SHOWS VALID PROOF OF ALL THESE FCRA CREDIT VIOLATIONS DUE TO INACCURACIES.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX, XXXX phone was stolen and the thieves were able to access my online banking and gmail. I called Wells Fargo first thing the next day and asked to have my online access XXXX. When I started receiving overdraft notifications I visited XXXX at my XXXX XXXX branch and learned that access was never XXXX. Multiple money transfers were made as well as a XXXX fraudulent check being deposited. Wells Fargo made it impossible to open a new account by reporting me to XXXX XXXX. Despite multiple attempts by XXXX, the personal banker, nothing has been done to help me.
Consumer complaint received 2021-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Two fraudulent withdrawals via Venmo were made from two different XXXX XXXX Accounts. The first occurred XX/XX/2020, the second XX/XX/2020. Each theft was {$1500.00}. Prior to each incident a test deposit and withdrawal in amounts of less than XXXX dollar were made and not noticed. Upon discovery complaints were filed with XXXX XXXX XXXX.
Consumer complaint received 2016-03-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Allied Servicing Corporation (CA)

I am asking for assistance on a modification or reinstatement. Their is an amount of XXXX due for a note of {$5000.00} an i 'm offering to pay {$5000.00} and commence payments of {$200.00} a month with the intention of paying all past due withing a year with a Refinance. This company is refusing to help stating it to short of the time per Sale Date XX/XX/XXXX even though I have provided all documentation. I have proven the death of my mother and my hardship. 

Please Help!
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED XXXX8 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from FIRST PREMIER WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2021-10-08
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: BARCLAYS BANK DELAWARE (AZ)

I have a Barclays Mastercard credit card with a small limit. Two months ago when I wanted to make a payment I was logged out of my account/ app and could subsequently not making any payment. Since then I have tried at least 20 times to phone to their customer service department. My average holding time is around 30-40 minutes. It is utterly impossible to reach any of their customer support people. Also, because I can not log into my account to do the payments, I have been reported as late payments which are completely messing up my credit score which will take me months to rectify.

I have lodged complaints via Social Media using XXXX  and they have been responsive and apologize, but did not offer additional help to get this resolved. 

How do I get in touch with a bank if the only way is through either their App chat functionality or email or call in to an utterly useless telephone customer service. This bank should not be in business. I have kept screenshots of my last calls as evidence what number I called and how long I was holding on.
Consumer complaint received 2017-05-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Navient Solutions, LLC. (NY)

My name is  XXXX   XXXX  .I l ive at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  in the  XXXX . My zipcode is  XXXX . A company called  Navient  keeps calling my home phone number. I have already told them to contact me by my cellphone. They call late at night and before  XXXX  constantly. I am currently unemployed and I have no way of paying off my debt. At this point, I do n't even remember what I have to pay them back for or the amount of money I owe. I have applied for unemployment benefits, but I do n't know how much money I will get. I need the unemployment money to pay for public transportation and other bills.     I want them to stop calling my home number. This is bordering on harassment.     Thank you.
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IN)

I was added as an authorized user on my wife 's credit cards. 
Without my permission. I asked to be removed on XXXX/XXXX/2015 and was told my name was removed from all three. She filed for debt reduction XXXX of the cards are still on my credit report. 
I want them removed
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2015-05-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC. (GA)

I received a call today from the General Revenue Corporation ( or at least that 's who they told me they were ). They left a rather official sounding message that they were a debt collection agency and that I needed to call them back about a debt. I called them immediately and then they asked me to verify, for security reasons, who I was. They asked for my address, which I gave them ( because it 's public record ) and then the last XXXX of my social security number, which is PII and I would not give them. I asked them to disclose to me what the call was about or any details of the debt, which they would not tell me. They kept saying that I needed to disclose the last XXXX of my SSN or the conversation would be over. That 's when I told them that it would be over because I would n't share it unless they told me what the call was about, which they would not do. She kept telling me that she already had my SSN but she needed me to verify it. When I asked her how she got my SSN, she could not answer me. I advised her that only my banking and credit card institutions had my SSN and that all of those debts are up to date. To date I have received no verbal, text, or written notice that I have any unpaid debts, so I was very suspicious as to what this might be about. I checked my credit report, which showed no inquiries and no late payments within the past XXXX years as well as no public record accounts named. I asked the technician if she could explain how I was supposed to ever find out what debt I have n't paid if she would n't tell me, and she could not answer. She asked for my information again, I told her no, and then she hung up. This instance may have actually been the company that they said it was or potentially a spear phishing scam ; I 'm not sure which. I contacted our lawyer immediately who also advised me to not give my PII over the phone. Again, I have still never received anything in writing from any company or any loan agency or credit card to date, so I find it suspicious and do not feel like I should have to share my information with this company for them to tell me why they are calling me. The number they wanted me to call was XXXX, they contacted me from XXXX, and the technician 's name was XXXX.
Consumer complaint received 2018-03-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I am a retired XXXXyr old Veteran with XXXX XXXX service in XXXX on a fixed income. I was retired in XXXX and went into a severe financial crisis by the loss of 2/3 of my income. I have been scammed by several Modification outfits and got no results. I have simply been trying to get an affordable monthly payment that I can make without being broke every month. It took me 2yrs to get my full retirement and that is what started this situation. I was an XXXX in XXXX XXXX with the rank of XXXX XXXX and a rating of XXXX in civil service ( 29yrs ). My daughter and myself lived on {$1700.00} per month for over a year, Even after getting full retirement, I only bring home a little over {$3500.00} per month. When retired my monthly mortgage payment was {$1300.00}. It is not hard to see that one can not make that payment on {$1700.00} per month and still live. I have tried many times to get a fair payment that I can make, to no avail. The supposed loan started in XXXX with XXXX XXXX XXXX. We live in a small XXXX Florida town and I have found out that XXXX was not licensed or authorized to work in Florida then. The mortgage has been sold to XXXX XXXX XXXX XXXX XXXX and is currently serviced by Carrington Mortgage Service. We have recently been served with a summons Lawsuit of Foreclosure. I have been here for 27yrs and it is the only real home I have ever had. My daughter had XXXX for 6yrs and it is the only home she has ever known. To the corporations this is a property, but to us it is our home. I feel that at this time, I can make a {$600.00} per month mortgage payment. If only the mortgage company would work with me. I did have a Forensic Investigation done on my mortgage and they found several discrepancies. I am not trying to get something for nothing, I just want my daughter and myself to stay in our home. Oh, something I forgot, I was divorced in XXXX just prior to retirement. That did not help the financial situation either.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WI)

I'm not sure if I'm in the correct category. 

Company : Coinbase Inc. 
XXXX XXXX XXXX. 
# XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have had an account with Coinbase for many years, but in the past few months they have created a situation that makes it next to impossible to get my funds out. They say, " It's increased security for your good! '' That would be fine if it was even close to workable. They repeatedly lock/block me from using my account for no reason. You can never reach anyone above the first level of support and are always promised the next level up will reach out via email. Those emails never come! 

A XXXX  of weeks ago I spent XXXX hours on the phone desperately trying to get my account unlocked. The individual insisted I needed to change my phone setting to get a clear picture. Each time I'm locked out I need to take a selfie holding a piece of paper with the statement, " For Coinbase Verification Only '', while holding my drivers license. While this may seem simple it is far from simple as you need to have the drivers license and your face in focus. I couldn't find a setting he repeatedly told me to change so I asked what type of phone he had. He sated he had an XXXX, I also have an XXXX. I asked him to open his camera settings and guide me to the setting that required changing. He replied, " I don't have that information! '' That's just XXXX of many examples of how they refuse to help their customers. After about XXXX tried he stated he had an exceptable photo, but the system refused it because of too many attempts. 

I waited a XXXX  of days and tried to log in, couldn't and waited a XXXX  more. No email arrived ever. I kept trying. I finally got in yesterday and was able to move some assests out to other accounts. 

This morning I woke up and discovered I was once again locked out of my account and the wa an email with instructions on getting unlocked. I had to take photos of front and back or drivers license and a selfie. All photos were crystal clear, but their system once again rejected them. 

I called and spent almost an hour on the phone going round and round with the guy. He was supposedly back and forth with the next level support person. He finally told me to wait for an email from the higher support which would arrive in a week or so. 

This attitude toward customers where personal finances are affected is irresponsible and should not be allowed. 

Please get my account unlocked so I can move my funds elsewhere and close the account.