davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

I re-financed my home through a new lender. I made a payment on XX/XX/2022. a few days later my mortgage was paid off by the lender, This created an overpayment of {$800.00}. Now over a month later I received my overage back but Mr. Cooper/Nationstar Mortgage LLC . shorted me by {$130.00}. I want all of my money back from the overage, interest and penalties assessed to Mr. Cooper like they would have done to me. Further, they should be investigated for fraud and predatory practices. I have documentation.
Consumer complaint received 2022-10-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

When my son was in college at XXXX XXXX XXXX I cosigned 3 loans for him totaling {$42000.00} and after making payments for about 13 years the amount owed is {$53000.00} and I am trying to figure out what is going on. These are private loans and the servicer is Navient Solutions LLC and I am doing the math and it doesnt make sense. In addition to owing {$11000.00} after all this time of making payments I discovered something that needs some explanation. 
We received a letter telling us that there are some changes made to the account, due date etc. the only thing I saw that changed is the interest rate. There are 3 loans and here is my main concern : Loan 1 : {$170.00} ( payment ) - {$150.00} ( interest ) = {$16.00} ( principal ) Loan 2 : {$130.00} ( payment ) - {$110.00} ( interest ) = {$18.00} ( principal ) Loan 3 : {$140.00} ( payment ) - {$130.00} ( interest ) = {$13.00} ( principal ) With a payment of {$450.00}, {$400.00} goes to interest and {$48.00} goes to the principal, when will we ever be able to pay these loans off??? 
This is why the average person gets frustrated and stop paying their loans because at this rate they will retire and still not be able to pay it off. I am a senior citizen and the cosigner on these loans, this is not fair to anyone. Please can someone explain to me what is happening here. 
I am sending this information to Navient Solutions LLC, Consumer Financial Protection Bureau and US Department of Education with the hope that someone will help me to make sense out of this mess and give us a path to be able to pay these loans off, it is very frustrating and with all the help that the government is offering, these loans are not eligible for any help.
Consumer complaint received 2024-12-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CT)

I opened the acct. I told them that I am currently overseas for work so I do not have access to my US phone, they said to use a temp one so I used my moms. Now after they opened my acct, took in the money to fund both savings and checking they locked it for fraud. After having to get up in middle of night to call them, they refuse to close it or unbock it unless I do a telephone pin verification. They wont reverse the wire to the act I funded it with, they will not issue a check or unblock the acct. They are just holding my money hostage.
Consumer complaint received 2022-12-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc. (CA)

Received letter in the mail approximately XX/XX/2022 offering lower interest rate of current vehicle loan. Letter was very specific regarding my current rate and what I was " pre qualified '' to get from their company. Current rate is 10 they offered 7.44. I then logged into their website and completed application based on prequalified offer. After a couple of days and 2 hard inquires I reached out to the loan guy who then offered me a rate of 15.7 ( XXXX ). I told him that was much higher than advertised. He told me that was their best deal. I emailed twice ( XXXX and XXXX ) asking to have the hard inquiry removed and he told me that he would pass on the management ( XXXX ) and was told I would hear back shortly.
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-12-12
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

I received a notice from PayPal/Synchrony Bank stating they were closing my account credit account through PayPal due to " the number of dishonored payments on this account ''. I had a payment that got returned in XX/XX/XXXX due to the wrong account was selected for payment and then in XX/XX/XXXX because the bank returned the charge for my credit card payment for account PayPal/Synchrony Bank . Both times I made another payment to correct those 2 issues before it was reported as a late payment or another payment was due. I reached out to them in XXXX, and I reached out again in XXXX to change my due date because I got a new job that only pays me once a month. I requested to get the date changed PayPal/Synchrony Bank they claimed that I had already changed my date due this year which wasnt true through PayPal. It wasnt true I never requested a date change I've had the same due date since XXXX. Ive been trying to get them to change the dates for months to avoid missing payment or returned check. When I got this account in XXXX I never was informed of this clause that the bank could close my account for 2 returned payments after being a customer with no other payment issues during the years of being a customer. As well work an something to that I could make payments with no issue.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5600.00} XX/XX/XXXX
Consumer complaint received 2022-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MO)

Was trying to sell something on XXXX market place, had someone respond immediately. Was told that the account needed an additional XXXX to upgrade the Zelle account, I sent the person XXXX believing it was legit, the person started getting hostile with me when I said I was calling Zelle customer service. I immediately called my bank to see if I could get the payment stopped and it could not be stopped.
Consumer complaint received 2022-05-21
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. (NY)

I saw copy of my credit report and there were accounts which is not mine. 
I believe that. I was victim of identity theft, I am requesting that the items be blocked to correct my credit report. Enclosed are copies of identity theft and proofs of my identity supporting my position.
Consumer complaint received 2023-03-23
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. (AR)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$32000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} CXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$3700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX XXXX : {$1000.00} XXXX XXXXXXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$44000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3700.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} WXXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX This complaint is my folow-up to ensure the deletions of the listed items
Consumer complaint received 2022-05-21
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. (CA)

T

he credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate. the date last active is inaccurate, and the ldate last reported is inaccurate. this is grounds for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. states i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. also the credit bureaus took more than 30 days to investigate
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-05-21
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. (CA)

I submitted a complaint on XX/XX/XXXX because my credit file has been compromised with identity theft / merging of credit files with my father ( XXXX XXXX XXXX ), me ( XXXX XXXX XXXX, XXXX. ), and my son ( XXXX XXXX XXXX, XXXX ). My credit report even shows my son 's birthday on my file ( see attachment ). My father 's name is still listed multiple times on my credit report. I also submitted FTC report due to my credit appearing to be used because I see accounts that have never belonged to me. Equifax responded they needed more time on XX/XX/XXXX. Equifax mailed a letter to WHO WAS SUPPOSED TO BE ME dated XX/XX/XXXX asking for two forms of identification. There are two major errors with this letter.

1. Equifax PROVED that my credit file has been compromised by stating the name of MY SON ( XXXX XXXX XXXX, XXXX ) on the letter instead of MINE ( XXXX XXXX XXXX, XXXX ). Please see attachment of this letter which was their response requesting additional documents after MY complaint. My son has never disputed anything. 

2. I've sent in a copy of my ID and bill showing my current address to Equifax multiple times. What is Equifax doing with my information?? Please see a copy of my ID and the la

st proof of residence sent to Equifax. Also, I've called Equifax multiple times and the last representative stated t
hat he saw something was not right about my report. He actually stated he was submitting it for " maintenance '' ( whatever that means ). I even my identification and utility bill AGAIN by the request of this representative of Equifax on XXXX. Please attachment of letter and proof sent. 

My credit report on Equifax website is showing false information as if it all has been deleted already and Equifax stated they don't see that report on their end. How???? It's Equifax website. Please see the false information they are showing me as if my credit is perfectly fine knowing they still have those false accounts on my file.
Consumer complaint received 2024-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (MS)

XXXX PROCOLLECT INC is reporting the above account on my consumer report as a collections account. I have already refused to pay this account off. By law, PROCOLLECT can not continue to collect on this debt per MISSISSIPPI 'S 3 year statue of limitation law when it comes to collect on a debt. This account exceeds the 3 year limit. Therefore it can not be collected. I have sent PROCOLLECT a cease and desist previously, demanding to stop all communication with me including to stop reporting this account on my credit report. I demand that this account be deleted from my credit report within15 days or i shall move to more legal actions.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am a victim of identity theft ( SEE ENCLOSED 605B IDENTITY THEFT REPORTS ). I have no knowledge of the accounts contractual agreement with the accounts listed below. Transunion, XXXX, and XXXX did not provide the mandated documents required by the Fair Credit Reporting Act and Fair Credit for the accounts listed below : Transunion, XXXX, and XXXX has not established evidence of lawful debt or the authenticity or accuracy of a piece of evidence of a lawful binding contract with me namely full disclosure creating credit or specific information such as the original contract ( a statement or photocopy is not a contract pr automated verification ) with my signature supposedly agreeing to payment terms or proof of period billings statements according to FCBA 1666b to report late payments. No proof of contract or statements means no authority to report or collect from me ensuring maximum possible accuracy according to FCRA 607 ( b ). 
XX/XX/XXXX The Fair Credit Billing Act 1666b requires XXXX, XXXX, and Transunion to have physical proof that statements were delivered to my address at least 21 days before the billing period ends. NOT REPORTING 100 % ACCURATE INFORMATION AS REQUIRED BY SECTION 609 OF the Fair Credit Reporting Act. Change statues from late to paid as agreed on time. 
XX/XX/XXXX
Consumer complaint received 2022-06-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

I called and spoke with a representative at Equifax on XX/XX/XXXX. I requested the results for all disputes submitted after XX/XX/XXXX. The representative stated he was able to provide results for some but unable to provide me results for all disputes. I asked " does that mean Equifax does not have the results for these disputes '' and he responded " it is possible that is the case ''. I demand Equifax provide me with complete and accurate results for all disputes filed after XX/XX/XXXX including but not limited to the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-09
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. (NJ)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2022-05-21
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. (OK)

I opened a dispute with Experian on XX/XX/2021 against XXXX XXXX XXXX, once I learned about a line/phone opened with XXXX XXXX XXXX XXXXXXXX XXXX The disputed case # XXXX. I filed a police report as well and submitted this with the dispute to Experian. I am still showing the account is in collections with XXXX XXXX XXXX  and that Experian deemed it accurate. This incorrect and I feel that Experian is not protecting me, even after going through the proper steps, I am still stuck with a bill from some fraud activity on my XXXX XXXX XXXX account. I did not do this and I need someone to help me resolve this.
Consumer complaint received 2022-12-10
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent a request that you reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX Balance Owed : {$7600.00}