davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

Mr. Cooper has taken my XXXX Payment and applied it to Escrow. Then telling me I owe the XXXX payment over again. I previously filed a complaint that the escrow payments made in XXXX were not applied to the escrow balance. The shortage on the XXXX statement was paid in full. The problem actually goes back to XXXX of XXXX. 
The home was refinanced with the same company in XXXX. The loan is a fixed rate conventional loan. In XXXX there was an excrow shortage of XXXX that was paid on XXXX through the Mr. Cooper Esrow Portal with the help of a CS rep. After the paymet was made he said I was still {$23.00} short so I made a second payment a few moments later so the account would be good. 
My XX/XX/XXXX statement was still wrong So I called again and spoke to XXXX and made another payment through the Escrow portal XX/XX/XXXX of XXXX. I was assured all was well. 
My XXXX statement was still off so I called again and made another XXXX payment of XXXX on XXXX. Apparently these payments were not applied to the account. 
The company does not want to respond. They are upset that I filed a complaint and are now making an example of me. Ive made my mortgage payment on time for the last 18 years from the same bank account to the same servicer. Always paying escrow outside of the monthly payment. When I called a few weeks ago I was told there are still credits on the account that are not applied. Who else can I send this data to that can help??? Mr. Cooper is very threating and miss applying my payments on purpose.
Consumer complaint received 2022-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (OH)

I believe the employees at Barclays are using my credit card. My first call to Barclays was to tell them someone got a hold of my card and is making purchases. They sent me a new card and the new card was compromised with fraudulent purchases. Next call was to close the account. Customer service said they closed the account and I would receive a letter. No letter received. I noticed new pending charges on the card, after they told me it was closed. Next call to Customer Service was to speak to a XXXX regarding not receiving a letter and not closing the account. XXXX said it was closed and I received a letter saying it was closed. Today, Friday XX/XX/2022, I see a charge of {$60.00}. Will call Barclays again to find out what is going on. I am convinced the customer service employees at Barclays are using the account that I was told was closed.
Consumer complaint received 2023-02-18
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : 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 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 2023-02-17
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. (VA)

I've identified information on my report that is a result of identity theft. These items are not related to any transactions completed by me.All old and out dated information leaves me more susceptible to identity theft. 
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  Amongst 50 plus hard inquires, As well as 45 soft inquires on my consumer report showing up daily on all 3 bureaus.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I dont recognize these Inquieres : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
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. (GA)

On XXXX I disputed this account XXXX XXXX XXXX. With XXXX, Equifax, and XXXX I have never been provided any information on how this account was verified, but yet it's still being reported on my credit reports. All 3 credit bureaus are reporting inaccurate, unverified information. This account needs to be deleted.
Consumer complaint received 2023-02-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC (CA)

In XXXX I was unable to make a payday loan with Check into Cash that I had renewed for over a year do to my income being cut short. In the month of XX/XX/XXXX I was able to payoff most of my collection accounts listed on my Credit Reports. I paid to Check into Cash an agreement amount of {$250.00} to settle the debt that was collected by agent XXXX XXXX # XXXX with XXXX XXXX / XXXX XXXX XXXX. Payment Conformation # XXXX issued by XXXX XXXX. The account was removed from my credit report after a process was completed in XXXX. 
On XX/XX/XXXX this was listed on my credit report as a collection account which is totally incorrect. I spoke with XXXX XXXX of XXXX XXXX XXXX @ XXXX to provide my payment information and I was told by him to dispute this matter online to an email that he provided.
Consumer complaint received 2023-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (MD)

I submitted a request to have my payments counts updated in response to the public service loan forgiveness program. I have submitted all the requested paperwork, however, the form, which is accurate, keeps getting rejected by MOHELA. When I address the issue and resubmit the form, the 90-day processing time starts over. It seems like an endless process on their end to update my payment counts for the PSLF program. I have gone through this process at least 3 times and each time I get pushed to the back of the queue.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I appled for a rental house. Transunion reported back to the company that I had a criminal record in Georgia and the company denied me for the property based on this information. I do not have a criminal record in any state and has never had one. I went and had a criminal history ran at the police department and has submitted it to them. They state it will take 30 days for the dispute to be completed. I have less that 30 days before I have to move because the owner of this property is moving back into it. I have an XXXX XXXX XXXX daughter and this has been very stressful not knowing where we will go. I can not keep applying to other companies without this correction being made, for fear that i will continue wasting application fee and being denied.
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called TransUnionXXXX after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX  XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00}
Consumer complaint received 2024-10-26
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: SLM CORPORATION (NJ)

These are my daughter 's loans. I am the co-signer. These loans were on a repayment program. The payment was made but their system was having a known issue. The system never recorded her payment and kicked her off of the program. When she contacted them my daughter was she to submit proof of the payment, which she did. This payment goes back to XX/XX/year>. She contacted them to have this resolved to date they have not gotten back to her with a resolution to the problem and has charged off the accounts.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (AR)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}. Please send me the results of your investigation within the next 30 days and correct the disputed account from any erroneous reporting of information on my Credit File.
Consumer complaint received 2022-12-12
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. (LA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights and privacy and confidentiality under 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 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 XXXXXXXX XXXX 

15 U.S.C. 1681s- ( A ) ( XXXX ) 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 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX 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
Consumer complaint received 2022-12-12
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. (CT)

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. 

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 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 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 XXXX 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 2022-12-11
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. (TX)

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below ) violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The creditor accounts ( attached below ) is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The creditor accounts ( attached below ) has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 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. The creditor accounts ( attached below ) has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Consumer complaint received 2022-12-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I called Nissan and had them send me the contract I been trying to get this disputed for years they sold the car for XXXX. The contract they sent me was bogus and under recession law I sent them a letter stating to verify my account or delete they sent me a letter back saying oh we couldnt find your account can you send us a letter back with your social or account number. I called them back and there was just no way they could help me.
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ISSUE XXXX : I made several PMTS to my XXXX XXXX Credit Card over the summer of XXXX to be exact totalling just under {$3000.00}. None of which were ever credited to my credit card acct. I AM OWED OVER {$2800.00} for payments collected but NOT credited to my account. ISSUE XXXX : XXXX seperate company 's XXXX XXXX {$200.00} XXXX XXXX XXXX {$99.00} & {$20.00} fraudulently charged me for products I did not order, authorize, or have knowledge of bringing my XXXX balance back up to {$400.00}. I notified XXXX XXXX of the charges immediately but they were never investigated, reviewed, or corrected leaving a balance on card. My pmt history is perfect up until said charges were reported, why would I jeapordize that pmt history of the charges were in fact my own?
Consumer complaint received 2023-02-21
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. (MO)

The FCRA has laws that I have been made aware are not being followed by the Bureaus. I am now forced to submit a request through the CFPB for help. 
The following accounts are reported inaccurately, incompletely, and some are not even mine which is fraud and are violations of my rights. This is against the law they have in place and I want these fixed immediately. ( FCRA 15 USC 1681 ) My name is incorrect : ( Names ) XXXX XXXX XXXX XXXX XXXX ( Addresses ) I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX this is fraud- and are violations. 

( Accounts ) Not my account and it is reporting different with XXXX, EQUIFAX, AND XXXX. VIOLATIONS! 
XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, ( Accounts ) Reporting complete inaccurate information for all three bureaus, violations! 
XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXXCharge / XXXX XXXX  account # XXXX, XXXX XXXX XXXX account XXXX XXXX.