davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-22
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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (NY)

Loan Number : XXXX XXXX XXXX XXXX Attn : Customer Service XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX XXXX : Notice of Error for Outstanding Mortgage Balance for XXXX XXXX XXXX # XXXX Dear XXXX XXXX Customer Service XXXX : XXXX XXXX/SeterusXXXX has made the error of NOT subtracting the tax and insurance payments made by XXXX XXXX from the outstanding mortgage balance since 2015. Since 2015, XXXX {$36000.00} or more [ i.e. {$31000.00} ( Taxes ) + {$4700.00} ( Insurance ) ] has been paid by XXXX XXXX for taxes & insurance but XXXX XXXX/Seterus/XXXX REFUSES to subtract the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance. 

XXXX XXXXSeterus/XXXX has ignored this Notice of Error caused by them since 2015. 

Because XXXX XXXX/Seterus/XXXX  refused to correct the mortgage balance - they pushed my property into FORECLOSURE & have ruined my credit score & prevented me from modifying or refinancing my loan. 

XXXX XXXX/Seterus/XXXX  has caused my credit score to decline from XXXX to now XXXX ( XXXX ) and XXXX ( XXXX ). 

XXXX XXXX/Seterus/XXXX can resolve this problem by subtracting the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance and modifying the loan. 

OR sell back this loan to XXXX ( 2nd lien holder for them to modify the loan ) AFTER correcting the incorrect mortgage balance ( i.e. subtract XXXX {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance & sell back the loan to XXXX the XXXX lien holder ). 

XXXX XXXX/Seterus/XXXX has refused to correct the error with the mortgage balance after countless proof of payment for taxes and insurance were sent to their attention. 

Attached are evidence of tax and insurance payments made by XXXX XXXX from 2015 to present. 

Duplicate tax and insurance payments were made by XXXX XXXX/Seterus/XXXX  from 2015 to present XXXX for which they were refunded ). 

Attached are the following documents Tax payments XXXX school and town/county tax ) made by XXXX XXXX from 2015 to present Insurance payments made by XXXX XXXX from 2015 to present & ( for the life of the loan ). 
Tax payments refunded to XXXX XXXX/Seterus from 2015 to present by 1 ) XXXX XXXX Receiver of taxes and 2 ) XXXX XXXX As required by law, XXXX XXXX must correct this error or XXXX XXXX will contact New York State XXXX XXXXXXXX XXXX XXXX at XXXX and at XXXX. 

As required by law, XXXX XXXX must provide a written respond to this Notice of Error within 30 days. 

All taxes and insurance has been paid by XXXX XXXX since the loan inception. 

XXXX XXXX/Seterus/XXXX has been refunded for all taxes that it has paid in duplicate since 2015. XXXXXXXX XXXX/Seterus/XXXX  has never made insurance payment for Loan # XXXX. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (WA)

Lender, Shellpoint, said they paid delinquent property taxes in complaint XXXX. You closed the complaint. As of today XX/XX/year> XXXX XXXX still shows delinquent taxes of {$2900.00}.
Consumer complaint received 2021-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc (CA)

XX/XX/2019 I was taken to the hospital via ambulance for an XXXX XXXX XXXX I was kept over night. XXXX refused to pay a medical bills. The hospital XXXX liaison failed to secure payment, and a local charity refused to respond. I advised the provider ( s ) in writing more than once that I was attempting to get the bill covered via XXXX and/or charity : neither responded. Every other provider has accepted compromise and settlement of their accounts. The subject company billed me for {$1700.00} ( with an unexplained total of {$2700.00} ) ; apparently referred the account to a collection agency ( PlusFour ) that refused to talk to me because I called and disputed the collection notice. Then I was notified by credit reporting that this company had issued a second collection notice in another amount, squatting on my credit report. They have refused to send complete information, they don't have to talk to me because I contested it. They continue to charge " interest '' on the fraudulent listing on my credit reports. I have sent a letter to the medical provider with a check in offer of full and final settlement. I am XXXX and XXXX where I can, using a friend 's address as a temporary mailing address. The provider hasn't responded or processed the check and the collection agency continues to refuse to correspond with me and provide complete paperwork on what they are trying to collect. The provider is an imaging lab that apparently billed above what the hospital charged which I did not agree to. The agency, PlusFour in XXXX XXXX, Nevada is in violation of FTC and CFPB regulations. I have acted in good faith and the provider and their collector have not.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I cancelled BoA Visa in 2019. Recently received a bill with late payment warning for an automatic charge made by my XXXX account and an additional annual fee. The Visa customer service agent told me that because XXXX billed them for the automatic fee even after the account was closed, they still paid it and that triggered the annual fee and XXXX charge. The customer service agent also told me that even if I closed the account ( again ) and something was charged to it, the account would pay it and become active again.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXXXXXX XXXX XXXX / {$0.00} / XX/XX/2022
Consumer complaint received 2021-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC (FL)

Hi, I have been trying to resolve an account since XX/XX/2021, original creditor is XXXX XXXX for the amount of {$5800.00}. I contacted XXXX XXXX on XX/XX/2021 and they sent me to Frontline. When contacting the lender Frontline Asset Strategies ( on XX/XX/2021 ), they couldn't provide accurate information about the account. However, on XX/XX/2021, XXXX XXXX, Collections Supervisor, offered me a settlement for the amount of {$3400.00}. When trying to pay this amount they sent me to the first lender, XXXX XXXX. I contacted XXXX XXXX, Operations Support Manager at the XXXX XXXX, and they claimed to not have knowledge of the account and sent me back to Frontline. Yesterday, I was contacted by XXXX. XXXX XXXX from Frontline offering me help with the account, but when I called back, they told me that I have to contact XXXX XXXX. They have been " playing this game '' since XX/XX/2021 when I first contacted Frontline Asset Strategies. I am really concerned, worried and having XXXX XXXX about this account and what could happen if both lenders keep avoiding responsibility and denying the account.
Consumer complaint received 2022-03-28
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: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-08-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (TX)

My vehicle is leased through U.S. bank. It was involved in a hail storm and was damaged. I sent the insurance check to U.S. bank over a month ago and it has still not been sent to my bodyshop to cover the repairs. Everytime I call I get a different story. First they told me the check was sent back to me and I should receive it in 7-10 business days. After I didn't get the check I called back and they told me they sent it out on XXXX to my body shop. When I contacted my bodyshop, they said they had not gotten the check. When I called the 3rd time they told me they still had the check and needed a repair order that matched the ammount of the check. I asked if they could contact my bodyshop, they said no. I told them I would have my body shop contact them, they said that would not work either. They said I had to " FAX '' the invoice to them, I asked if I could email it to them and I was told that was not an option. I faxed the invoice to them on XXXX and included my account # ( XXXX ) so that they could notate the account and release the check. I contacted them today XXXX and they said the account doesn't show anything about receiving the fax. I was told they would look into it and contact me within XXXX. This has been dragging on for over a month and I need it taken care of. I don't see myself EVER leasing another vehicle, or doing ANY kind of business with U.S. Bank in the future. It's not like I'm trying to get them to send ME the check, I just want the bodyshop to be paid so I can pick up my truck. Attached is the fax confomation that was sent on XXXX to U.S. Bank
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX accounts ranging dates from XX/XX/XXXX through XX/XX/XXXX have violated my rights. 
- 15 USC 1681 Section 602 states I have the right to privacy.

- 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; - 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XX/XX/2020 I stayed at an XXXX, that had a lot of safety issues. This property host failed to disclose that dogs were on the property. There was XXXX  XXXX everywhere I am highly allergic to dogs. According to XXXX policy, you can submit for a refund for a unsafe experience. It landed me in urgent care and I wound up paying over {$500.00} for medication because I was out of state. I submitted pictures, and proof/receipts and documents to XXXX first to resolve the issue and they ignored me. I then disputed it with my credit card company. Each time they issued me a credit of the amount, and then they would take the disputed amount back. This has been going on for almost 4-5 months of going back and fourth. I also provided them with proof of everything that they needed and they kept asking me for the same proof that I already provided. My credit card company then told me the only way that I could get a refund is if I provide them with a second opinion from a different company. I reached out to multiple companies for a second opinion and no one reached back out to me and my credit card company only gave me a certain amount of time to do this. I dont understand why my credit card company would not back me up with this especially if I took the proper measures of disputing. My dispute still has not been resolved, and right now my credit card is incurring fees because of this dispute.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I received an invoice for a Capital One Credit card that I never received nor activated. The card was sent out XX/XX/2015 and continues to add late fees onto the activation fee that I never received nor activated. I have wrote letter after letter and the company will not remove or review as I am doing the right thing. This is fraud and it is hurting my credit. I never received the card, I never made purchases which I have proof with the statements they send to me.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

An account on my credit report is stating that I have a past due balance and it's reporting negative on my report. The account has been paid off for months now but it's still reporting negative. I call the company that was handling the account and they looked into it and see that I don't owe anything so they sent me a dispute package and I sent it back with all documents that they requested about 2 months ago. I checked my report just recently and the account is still reporting negative.
Consumer complaint received 2022-03-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-27
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. (GA)

Experian is reporting a bankruptcy on my credit report. They have stated that this information is verified. I have contacted the original reporting agency and have been advised that they didn't report my information to these credit bureaus. I have attempted multiple times to remove.Please have this information removed from my profiles immediately.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

I was XXXX in a XXXX suferring with XXXX for first payment i spoke with a live custmer service rep who stated they could not remove the payment status athough thr entire country should not be reporting late payments due to COVID, This one item have dropped my score 50 plus points and i am unable to obtain housing.
Consumer complaint received 2022-03-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have some unauthorized inquiries on my credit reports. These inquiries are on XXXX, Experian and XXXX. I sent in disputing the inquiries over 30 days ago. I found out my name, social security number, drivers license and email address was found on the dark web by the credit monitoring company I use. So on Saturday XX/XX/2022 I went and made a police report.
Consumer complaint received 2022-03-28
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-08-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Mcburberod Financial, Inc. d/b/a SeedFi (TN)

I was diagnosed with XXXX in XXXX of 2021. I was very ill for two months and was not able to work during that time. I reported my illness to XXXX XXXX XXXX  but did not receive a response back. XXXX XXXX XXXX  reported a late payment of my loan bill but I could not pay the bill due to my XXXX  diagnoses. My XXXX XXXX loan is through SeedFi
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

EMAIL ADDRESS : XXXX MAILING ADDRESS : XXXX XXXXXXXX XXXX., XXXX XXXX, XXXX XXXX XXXX MD, XXXX While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and is also a clear indication that this information was NOT properly verified upon you receiving it. Equifax is reporting inaccurate information regarding my ACCOUNT STATUS with the following accounts ; <ACCOUNT # 1 : XXXX XXXX  # # # # # XXXX : EQUIFAX has the ACCOUNT STATUS as CLOSED ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as OPEN> <ACCOUNT # 2 : XXXX XXXX XXXX XXXXXXXX # # # # # # # # XXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> <ACCOUNT # 3 : XXXX XXXX XXXX XXXX XXXX XXXX : EQUIFAX has the ACCOUNT STATUS as CLOSED ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as OPEN> <ACCOUNT # 4 : XXXX XXXX XXXX XXXX XXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> <ACCOUNT # 5 : XXXX XXXX XXXX XXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> <ACCOUNT # 6 : XXXX XXXX XXXX XXXXXXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> <ACCOUNT # 7 : XXXX XXXX XXXX XXXXXXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I enrolled in Autopay for my Amazon Store Card on XX/XX/2021. In the email sent to me by the company confirming the enrollment, Amazon.com Store Card Services said : " Payments will be deducted from your XXXX XXXX XXXX, XXXX account ending in XXXX on your payment due date. Continue to make regular payments until you receive confirmation in your billing statement that the Autopay program has been established. '' I received no such confirmation. No billing statement was issued. My billing statements are issued on the XXXX or XXXX of each month. 

On the payment due date, XX/XX/2021, I searched the Amazon.com store card site to verify that no payments were pending. The site indicated no pending payments. Therefore, as directed by Amazon.com Store Card Services, on the payment due date I made a regular payment in the amount of {$300.00} ( the same amount as the requested automatic payments. ) The payment posted successfully and was withdrawn from my bank account on XX/XX/2021. 

I woke up on XX/XX/2021 to find that the Amazon.com Store Card processed another payment via Autopay for {$300.00}. I'd had no email confirming this payment and there was nothing on the Amazon.com Store Card site indicating that this payment was scheduled. While the Amazon.com Store Card site indicates that both payments posted on XX/XX/2021, my bank account indicates that the payment I made manually on XX/XX/2021 was successfully processed on XX/XX/2021 and the payment made via Autopay was received for processing XX/XX/2021. 

As a result of this, my checking account was put in overdraft. The overdraft generated a {$35.00} fee from my bank. I'm also left in a very precarious financial position as I have a strict budget. 

I contacted Amazon.com via live chat and the agent, XXXX XXXX, was very apologetic, but ultimately completely unhelpful. The only recourse I was offered was to have a check for a refund of the overpayment mailed to my home address which would take approximately 15 days. 

I am very upset because the processing of this Autopay payment was in direct contradiction to the email I received confirming my enrollment in Autopay. That email is attached as a screenshot.
Consumer complaint received 2021-10-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Spring Oaks Capital, LLC (MD)

I was alert on my credit report that I own XXXX to credit card that I never had I phone Spring spring oak .they said I own XXXX credit card that took place in XXXX and I was report in XXXX to them I asked them to send me statements with my signature to my address next they start emailing me instead of submitting the statement all the email said was I own them and no statements or my address they claim that they are going garnishment my check but I have not gone to court and I m not aware of this .plus why wasn't I contacted back in XXXX why now .I have no money I only have money for my rent .I am not giving these ppl nothing this the XXXX