davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My original mortgage with XXXX was transferred to Mr. Cooper around XX/XX/2019. After taking the loan over, Mr. Cooper opened an escrow account without my authorization and started billing me, claiming I owed a balance of approximately {$330.00} due to a gap in my insurance coverage between XX/XX/XXXX-XX/XX/XXXX when my loan was with XXXX. I was never notified by XXXX  while they had my loan that I had a gap in insurance coverage, I never received any correspondence nor was I ever given the opportunity to be made aware of the gap or to buy the necessary insurance. Furthermore, XXXX  never billed me for such gap coverage, nor did my loan reflect such balance when my loan was transferred. After speaking to Mr. Cooper several times over the phone, they have not been able to provide me with any proof or confirmation that a policy was truly purchased on my behalf by XXXX. XXXX also has denied my requests for proof or confirmation that a policy was purchased on my behalf to justify the amount I am being charged. I continue to be billed for a policy I was never made aware of that was purchased on my behalf which is completely unfair and advantageous.
Consumer complaint received 2024-10-15
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2017-07-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (TX)

Went in to Titlemax on XXXX/XXXX/2017 took out loan for XXXX was offered XXXX. Signed all paperwork electronically. They advised everything is done electronically now there are no more paper copies. I have had over XXXX loans with them and have paid all of them off on time. I called back today to see about obtaining XXXX more of what was available, and was informed that I have to wait 33 day waiting period and this was never informed to me, they also said they are changing there products so if I come in after 33 days and obtain additional money it will be based on my income and also, I will no longer be paying installment plans because, they are chaining there rules effect next week. No one sent or notified any of the borrower 's of these changes. This is not fair. You can not just change the rules to make more money, one day. Please assist me.
Consumer complaint received 2017-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (SC)

I have reached out to this company IC systems @  XXXX  and verified with a person and manger  XXXX   XXXX  that the information that was on this account was not mine and agent advised me they are aware but I still have to pay. How am I responsible for something that is not mine that does n't have my information on it but is on my credit report. I have sent police report to show that i was truly a victim but they refused to assist. This is a debt  XXXX  that they are telling me im responsible due to the information being similar thats not legal
Consumer complaint received 2024-10-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (OH)

and had a confirmation it went through due to mess up on their end they didn't receive the electronic payment on time and they verbally promised to have that corrected and never did. So in all actuality we only owed them a total of XXXX dollars. Cause again they didn't honor contract and subtract the admin fee from our move in cost. So we officially moved out and turned in keys on XX/XX/year> and still had to go to court for an eviction. They said we owed them {$8800.00}. They have called me several time sometime impersonating a lawyer from XXXX to collect this debt. I've asked them stop the calls and they still call me. They also have contacted my mother my father and my sister about this debt which is all illegal tactics used to get me to pay this debt. They even added late fees to the debt causing the balance to now be {$9300.00}. They have failed to provide us of proof of accuracy of debt and ownership. We do not owe national credit systems. They have caused me to be homeless and I am not able to get any other place to live. They are still harassing me and my family members about this debt and have scared me about litigation and seizing my bank accounts.by fcra laws and violation of them and due to breach of contract XXXX the view of XXXX  displayed I am not liable to pay this debt.
Consumer complaint received 2021-10-29
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: CITIBANK, N.A. (CA)

You guys gave me a hard inquiry and rejected me thank you for ruining my credit I'm over 700 I should of been approved. Never will do anything related with you guys in the future. Disgusting company I could of bought what I wanted in full but this seemed like the only way to get it now I'm pisssed off with you guys and best buy
Consumer complaint received 2020-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (MS)

I made my monthly payment on XX/XX/2020 with Ford Motor Credit and my due date is not until the XXXX of each month. I am being told my payment will not be process until the XXXX and I will receive a 30 day late ( NEGATIVE ) report on my credit file!
Consumer complaint received 2024-10-15
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (IL)

I took covid forbearance because of quickly rising cost of living during covid. In 2021 had nervous breakdown & had to leave job because was no longer capable; was XXXX for XXXX months & put in XXXX applications. Was finally hired by family member who made many accommodations so I was capable. With the change in jobs lost XXXX  % of my income. Multiple major life events led to another nervous breakdown & no longer capable of working. Have applied for XXXX. 

Approved for XXXX XXXX XXXX XXXX freedom " lost '' the XXXX {$9000.00} payment for XXXX  months; was told to not do anything until heard back from fm once they got it straightened out. By time they contacted me was already XXXX months late again. And when XXXX requested reinstatement quote, fm did not include almost {$1000.00} of fees. 
Approved for XXXX round ilhaf, still didn't include fees in reinstatement quote. 
Then received assistance from XXXX XXXX bc was having trouble transitioning back into making mortgage payments. Then my mom was diagnosed with stage XXXX & my expenses increased by about $ XXXX. 
-was told they'd put past due into secondary loan on end of first one. Submitted requested paperwork, due to helping mom, missed return by date. Restarted process, they claimed they didn't receive requested paperwork ( although I received confirmation email ) so they could begin foreclosure. Resubmitted paperwork & suddenly decided they wouldn't accept same documents ( but updated ) as submitted & accepted first 2 times. 
-appeared like there were XXXX withdrawals in XXXX year from my escrow XXXX year was told overage in escrow that would be paid when account became current, never received -every other year claimed huge shortage ( even though much more $ than expected had been paid into escrow year of ilhaf assistance & cost of property taxes had decreased ) -many other shady events can't think of at moment
Consumer complaint received 2020-02-13
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: EQUIFAX, INC. (NC)

THERE ARE INQUIRIES EVEN WHEN CALLING TO SEE WHY THEY ARE THERE THEY CANR FIND INFORMATION UNDER MY NAME. THE INQUIRIES ARE : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( FALSE INSURANCE DOCUMENTS, MISSING MY SOGNATURES, DAUGHTER DOWN AS BENEFICIARY WITHOUT CONSENT, MOTHER DOWN WITHOUT CONSENT, SHOWS XXXX ETC PROTECTION ), XXXX ( HAS AN ACCT USING MY MINOR XXXX YR OLD SON SSN ), XXXXXXXX AND XXXX REPORTING UTILITIES AND FUEL ( DEF FRAUD ), XXXX REPORTING THE WRONG EMAIL, ADDRESS, NAMES, FRAUD STUDENT LOANS ( THEY WONT LET ME UPDATE THE CPRRRCT INFO, IRS AND XXXX XXXX FROM XXXX HAS INQUROES, RESELLER FOR RESIDENTIAL PROPERTY, THE ONLY THAT HAS SENT MY COPY OF REPORT IS XXXX AND INSIDE THE ENVELOPE IS SHOWS THREE REPORTS WITH 3 DIFFERENT ID NUMBERS, ALL THESE STUDENT LOANS, REPORTING FALSE PHONE NUMBERS XXXX, FALSE ADDRESSES, A NAME I NEVER USE XXXX XXXX XXXX, THEU REFUSE TO PLACE MY RESIDENTIAL ADDRESS DOWN WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX, THE CONSUMER STATEMENT SHOWING XXXX IS MY MOTHERS OLD NUMBER LINKED TO HER AND MY FATHERS DEBT XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX, XXXX REFUSES TO UPDATE INFO AFTER IVE SENT 3 TIMES ( MAIL FRAUD DUE TO THEM NEVER RECIEVING MY MAIL ) XXXX XXXX REPORTING THE WRONG ADDRESSES LINKED TO XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX SC XXXX, BRAND NEW STUDENT LOANS WHEN IVE NOT BEEN IN COLLEGE IN ALMOST 10 YRS, EQUIFAX REPORTING A BREACH ON MY INFO BUT DUE TO MAIL FRAUD THEYVE NOT RECIVED MY DOCUMENTS FOR ME AND MY KODS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HAS 9 DIFFERENT USER ID INFO WITH INNOCRRECT SSN, MAILING ADDRESSES, PHONE NUMBERS, THERE ARE FALSE/FAKE SOCIAL MEDIA ACCTS ON XXXX XXXX XXXX XXXX PERTAINING TO MY BREACHED COMPANY XXXX XXXX THE CREDIT REPORTING AGENCIES WONT SEND ME A COPY EVEN WHEN IVE PAID OF MY COMPANY INFO TAXID XXXX XXXX   XXXX WHICH IS REPORTING MY PERSONAL CREDIT REPORT, EMAILS ARE BEING COMPROMISED MY MAIL IS COMING IN 3 'S AND ALL MY IRS AND XXXX XXXX MAIL IS BEING OPENED AND POSSIBLY SWAPPED WITH THE WRONG INFO, ALL INSURANCE INQUIRIES ARE FALSE, ALL XXXX, XXXX XXXX BELONGS TO MY FATHER, ALL STUDENT LOANS BELONG TO MOTHER AND SISTER XXXX XXXX XXXX, XXXX XXXX COLLEGE HAS MY MINOR CHILD XXXX XXXX PHOTO LISTED UNDER MY ACCT, XXXX XXXX XXXX IN XXXX HAS MY FULL NAME AND DAUGHTER SSN LISTED WITH LINKED MEDICAL RECORDS THEY WONT GIVE ME ON FRAUD RETURNS, XXXX IS MY MOBILW CARRIER BUT XXXX XXXX ACCTS KEEP POPPING UP
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I opened a credit account with XXXX called XXXX XXXX in 2017. When I opened the account I was in formed that it would never appear on my credit report XXXX says they own my account The account number they have is not my account number. I never opened an account with XXXX XXXX  and I have never heard of them until they appeared inaccurate information on my credit report. Now they are reporting false info to my credit report after I contacted them I have spoken with their fraud department. I said I never opened an account with them and had never heard of them. They admit they never informed me of credit reporting I have the recording form the fraud department of the XXXX XXXX
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (AZ)

I applied for a credit card which offered a {$100.00} statement credit after I spent {$500.00} within 90 days. In a footnote to the statement credit offer it says that I should " allow 6-8 weeks for your {$100.00} to be credited. '' I applied on XX/XX/XXXX. I spent over {$500.00} within the 90 days. I then waited about 5 weeks. When I contacted the company via email they said that the offer was not flagged on my account and since it had been over 120 days from the opening of the account, they could not now override it. ( That is a " catch-22 ''. ) I waited until XX/XX/XXXX so I would have allowed the maximum time of 8 weeks for the offer fulfillment, hoping it would happen automatically. Since it had not, I contacted them by phone. I was helped by a couple of nice people ( XXXX and XXXX ).  But when I got to XXXX, I was appalled that he blamed me for waiting too long to contact them. 

The offer code on the form I received was XXXX. I applied 10 days before the expiration date for the offer ( XX/XX/XXXX). The printed marketing offer which I received in the mail on XX/XX/XXXX has a form code XXXX and/or XX/XX/XXXX

I am looking for the {$100.00} statement credit.
Consumer complaint received 2020-10-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (CA)

Thank you. 

I obtained a copy of my credit profile and found an entry from Progressive Management Systems. 

I sent a letter to Progressive Management Systems asking that they verify the information they are reporting to the bureaus is correct. 

I recieved an itemization of services provided to me. 

I sent another letter asking again for validation of debt. To date, I have not recieved any further correspondance from Progressive Management Systems. I also reviewed my updated credit profile and found not only is Progressive Management Systems still reporting inaccurate information, they've increased the amount allegedly owed.
Consumer complaint received 2020-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NC)

I open an account with Chase Bank on XX/XX/ and deposited {$150.00} in my new checking account. Just 2 days later my account was closed with out reason, so I called and spoke with a lady in the Lost Prevention Department which she told me this : ( We closed your account and you can not ever open an account with chase bank ever again, ) So I asked her why? I never owed chase and if I did any amount was paid in full. I do not owe any other banks I never had any issues and I have a XXXX credit score. 

The Lost prevention lady was very rude and unprofessional she said I will not be getting anything back or not even a letter explaining why I will NEVER be allowed to open an account Chase Bank. I then asked to speak with a supervisor. 

So I spoke with a male named XXXX in Chase located in Ohio location and was informed if I did try to open an account again it will be closed immediately. I said can you provide the reasoning or logic behind this? He stated no you just do not have and account anymore with us and my {$150.00} was never sent to me and I am now interested in doing a Class Action Lawsuit against Chase Bank. I have been Discriminated against and Chase has committed fraud against me. I will also sue for punitive damages. I never has a large entity treat people so darn low. I will go public with this until I get a real answer of why I can not EVER open an account with Chase bank and get my {$150.00} back!!! I am very upset about this.
Consumer complaint received 2020-09-16
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: EQUIFAX, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-04-25
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. (FL)

( XXXX true Identity theft ) Im a member of the equifax data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items. 
My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help Equifax : CONFIRMATION NUMBER : XXXX XXXX  Report Number : XXXX Report Number : XXXX Date Generated : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3800.00} ( XXXX ) XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3600.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$10000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1700.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$670.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$750.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX {$13000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I was never late. Attached is the proof of deferment and approved. And also XXXX of XXXX, the collateral car got totalled due to being hit while its parked. Insurance paid them off. The paid off date shouldnt be XX/XX/XXXX. And the company and insurance communicated about this.
Consumer complaint received 2020-04-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Our Mortgage was sold to LOANCARE, XXXX. XXXX XXXX XXXX  XXXX VA XXXX in XX/XX/XXXX, everything seemed okay until XX/XX/XXXX. I tried to log into their website to make my payment as I had done every month before but was unable to log in, so I called to have them reset my password, they informed me it had been reset and to give it a few minutes and try again. I was still unable to log in so I called again and was informed that the reason I was unable to log in was because I owed a balance of {$14000.00} and she asked if I wanted to make that payment. After the initial SHOCK and trying to understand what she just told me I asked how that could be, I stated we have made every payment due and on time, she then stated that amount was actually sitting in a holding account and I owed {$9100.00}. After eight or more calls over the course of three weeks, speaking with several payment center employees, two Loss Mitigation employees and three different Supervisors and explaining our story over and over again we have had no luck in getting this resolved. We were promised a call back by all three Supervisors XXXX ID # XXXX, she would not provide her last name, XXXX XXXX ID # XXXX and XXXX ID # XXXX, and she also would not provide her last name. LoanCare has not applied our monthly payments to our loan that we have sent electronically every month on time as well as reported us to the Credit Agencies causing our credit scores to drop over 100 pts. I'm at a loss for words when I think of the lack of Concern, Care or Importance they have for their customers and on top of it, its their error. Horrible Experience! This is truly the WORST Mortgage Company EVER!!!
Consumer complaint received 2020-04-25
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. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXXhe following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-04-24
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: LEXISNEXIS (LA)

Several years ago my ex who is currently XXXX XXXX for this used my ID to get a car and he had wrecks and everything in the car. He got tickets and everything because we look alike and he had my ID, he could pass for me basically. He was XXXX for using my identity and XXXX and XXXX XXXX XXXX  where he is in XXXX  today. 

This got it reported to LexisNexis under my name. I got most of the stuff cleared up as you can see by the attached document but LexisNexis states that two claims reported by XXXX were verified. However after I sent XXXX the proof they quickly responded and deleted the claims from name in their system. The weird part though is that they state that while they deleted it from their system they could not delete it from LexisNexis report because they don't have a montly reporting cycle in place. 

After contacting LexisNexis by phone they explained that this was true. I have no clue why that is nor do I care. However the law states that if it is an invalid account it must be deleted from the credit file and LexisNexis last time I checked compiles consumer reports.
Consumer complaint received 2020-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

XXXX XXXX XXXX received medical care at XXXX, XXXX during the period XX/XX/2019 - XX/XX/2019. I am the parent of XXXX XXXX XXXX and the Primary XXXX. My health care insurance at the time, XXXX, provided 100 % coverage of all medical costs with no copay. I subsequently received an invoice from XXXX in the amount of {$370.00} under the XXXX ID # XXXX. All balances due to XXXX are payable by XXXX, however I was informed by XXXX that the amount was not paid because XXXX  submitted an invoice from XXXX XXXX XXXX  XXXX, rather than from the entity which provided the medical care, namely XXXX  of XXXX, XXXX. I have exhausted all reasonable efforts to resolve this matter directly with XXXX, including making telephone calls and sending a letter via certified mail to XXXX. Notwithstanding the fact that XXXX warranted to me via telephone that it would properly submit the invoice, it simply continues to bill me for a debt which is not owed by me and is outstanding only due to XXXX 's negligence, and has now submitted the invoice to a collection agency, Transworld Systems XXXX XXXX.