davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NY)

This is Urgent I'm getting foreclosed XXXX please stop since I had no Notice to me or the online account By Mr Cooper Mortgage formerly Nationstar mortgage my lender after me fixing to better conditions my house after the explosion of my the house and getting a Trial modification and keep paying extra 3 months they stop me from making payments Why? 



first letter I sent and just below is the second letter because no response Mr cooper regarding why they never sent me a notice of foreclosure to me personally or in my online account just say they send me a letter about protected under SCRA just a letter and a letter contact them on dated XX/XX/XXXX received XX/XX/XXXX well I have been sending them an appeal and no response also I have contacted XXXX XXXX the investor XXXX XXXX XXXX and they told me they will call me but no avail yet I would like your help I need your Help Please hope you are able to stop foreclosure or at least Now that XXXX XXXX be accountable for there actions and settle my fire and explosion Case I have lost everything and now I'm being foreclosed please let them know I have XXXX daughters and their dreams and My dream as a XXXX shatter to pieces I was just opening a photo studio in my house with extensive equipment and I lost all of it no only relating to the foreclosure action but the Negligence on XXXX XXXX XXXX now XXXX home services regarding the nature of my unfortunate Circumstances I have been also Not taking serious neither by the Insurance company of XXXX XXXX XXXX attorneys and they service subcontract with XXXX XXXX XXXX, XXXX they blaming each others but that is The Root of all this is the Negligence of XXXX XXXX XXXX since XX/XX/XXXX and I have not received a penny from them but they Sure had to sue me for the remaining oil bill witch I had to pay back in XXXX they were aggressive here I'm 7 years later and getting foreclosed please help let me send you the documents supporting this claim but more important stop Foreclosure please look at this link https : XXXX % XXXX % XXXX % XXXX % XXXX? XXXX
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have had 2 credit cards with Capital One Credit Card since XXXX. I opened another Capital One Credit Card Account # XXXX on XX/XX/XXXX. I used the card XXXX, XXXX, XXXX and XXXX. The month of XXXX the card wasn't used and the app stated there was no minimum ( or any payment ) due. A month later when I checked my credit score it said I was 30 days late for a {$3.00} interest charge for the card. The interest charge was never communicated to me and I never received an email the month of XXXX stating that I needed to pay an interest payment. When I called Capital One and stated what happened, they said that they would not take it off of my credit and just to " deal with it ''. I am extremely disappointed because it is greatly affecting my credit and I am unable to get more cards. I have spoken to them a few times and mailed letters and can not get any help. 

Please take this off my credit! I am happy to pay any fee- I am trying to buy a home and this is impairing it.
Consumer complaint received 2019-05-14
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 — Investigation took more than 30 days
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AZ)

AN FAIR PRACTICE ONMAIN FINANCIAL REPORTIN TO CREDIT BUREAUS XXXX, XXXX AND XXXX WHEN YOU OPEN ACOUNT HOW FAST WILL REPORT THE ACCOUNT AND WHEN YOU CLOSE ACCOUNT AFTER BEEN PAID IN FULL.
Consumer complaint received 2019-05-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I made a contract with the XXXX XXXX company without a contract and without placing social security. Cancel the contract because they used deceptive practices. I was reported to the three credit companies XXXX, XXXX and Experian for a balance of {$190.00}. How did this company get my social security number?
Consumer complaint received 2019-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (DE)

I had a loan with LoanDepot for my townhome. It was sold to XXXX XXXX. I never received notification that the loan was sold. I placed a payment with Loan Depot on XXXX and assumed that the payment had gone through. When it did not clear my bank, I checked again. Now it won't let me pay because it says that my loan was sold. I do not have any information from XXXX XXXX such as a loan number, nor a mailing address. It took 3 tries to get a correct phone number and I have been on hold now for 27 minutes. I am afraid of missing the XXXX payment. I'm never late with my payments. This is very worrisome.
Consumer complaint received 2019-05-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXXXXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 24 and 25 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have sent letters in to Experian, contacted them via phone, and faxed them over request to remove addresses from my credit report that I've never had any association with. They have responded that a creditor has given them this information, when requesting documentation that they received from creditor acknowledging they gave them this address, Experian has failed to provide it.
Consumer complaint received 2019-05-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX and Transunion are reporting incorrectly that I am30 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 5 and 6 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2024-08-21
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: NAVY FEDERAL CREDIT UNION (DC)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2019-05-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NY)

In XX/XX/2015, I purchased a brand new XXXX XXXX from XXXX  XXXX in XXXX XXXX, New York - with Chrysler Capital as the lender. Unfortunately, while I did not want to purchase this vehicle, my other vehicle had broken down and I needed transportation to and from work. My interest rate is 23.07 % and Chrysler Capital refuses to work with me. The term of my loan is 80 months. I have been paying on the vehicle for four years and I still owe {$24000.00}. Given the high interest rate it is impossible to make the monthly payment on time and because so much is owed on the vehicle, no other lender is willing to refinance it. In addition, this is ruining my credit. 

I have requested a copy of my credit score from when the vehicle was purchased from both the lender and the dealer. However, neither party will furnish same. Prior to purchasing the vehicle, I had inquired about a used vehicle from another dealer ( also financed through Chrysler Capital ) with an interest rate of 13 %. When this dealer ran my credit report, it was well over a 600. When I arrived at XXXX XXXX, I was told a used vehicle was not an option for me and that I had no other choice but to purchase a new vehicle. Given that we were in a hardship ( being down to one vehicle ), I feel my wife and I were preyed upon by the dealer and the lender. 

Furthermore, we were talked into purchasing an extended warranty and GAP. We were told by purchasing this coverage we be saving 1.5 % on our interest rate. This is usury! 
In addition, when we call Chrysler Capital. We get nowhere. They stated that they do not refinance and our only option is to pay it.
Consumer complaint received 2019-07-05
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. (TN)

I opened a dispute with TransUnion on XX/XX/2018 and per their own website it is still not resolved. The TransUnion dispute number is XXXX. 

I have called multiple times to resolve this issue and the most recent call ended up with the TransUnion representative hanging up on me.
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ignite Revenue, Inc. (TX)

XX/XX/19 XXXX XXXX is the name of one of the companies. The company is calling the wrong number. They are asking for someone else who I do not know and is not at my number. I.e. XXXX XXXX, I have told them numerous times they have the wrong number and I am not the above person. I do not have an account, owe a debt or business with this company. Evidently the individual has numerous accounts ; where as several companies with different numbers are constantly calling asking for her. Tele # of company XXXX XX/XX/19 Company name unknown Same issue as above. Tele # XXXX XX/XX/19 Company name unknown Same issue as above. Tele # XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion is not allowing me to open a dispute online. They will not let me upload supporting documents online. A lender recently extorted payment from me by publishing incorrect information which TransUnion happily endorsed and published and I need to dispute it, using their own credit report and payoff documentation, and they will not allow me to. They told me they opened a dispute when I called, and when I called back, no dispute was there or had been filed and I'll never know because the online portal doesn't show any of my disputes or my credit report
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (DE)

Hello, my name is XXXX XXXX. Early in the month of XXXX my identity was whats the Stolen. My account is simple, whats taking over in the perpetrator who is unknow .Cleaned out my account. I was working with simple to recover some of my funds through visa zero liability policy. I sent them all the legal documents I could advocating for myself. My first claim was closed and the second claim when I reasserted the claim. That is not my primary purpose of writing to you. I had another problem with their service on the XXXX of XXXX I was informed through in writing communication that my account was open to receive my pre-scheduled direct deposit for the incoming transfer scheduled to be posted on the 1st. Upon opening my account with them I agreed to their disclosure where it was stated that it is their duty to correct electronic transfers and compensate for any damages that their error has caused. One representative XXXX I spoke to said the department would reach out to me in the future. Unfortunately I know longer have that message from XXXX in our logs on there site but i will attach proof of conversation as well as evidence that leads to curoberate that the bank intenually made them not available for a unknown reason. To conclude due to simple negligent misrepresentation I went 17 days before being able to access those funds. In the midst of all that I was past due on my rent and electric due to simple banks ruling against me. I would like to note I made a report with FTC for my identity in regards to my identity being stolen, fbi and contacted one of the merchants and their response in our communication was that they would work with my bank to refund me. I will attach all the documents in regards to the dispute at a later time, if necessary but simple should have them. Due to my finically hardship I went hungry, not just me my cat who is my therapeutic aid. And I had to take out a loan from a friend to paympay off my rent and electric.
Consumer complaint received 2019-07-30
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. (IL)

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 14 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, Equifax and XXXX  have not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2019-07-08
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. (NJ)

My vehicle was totaled in an accident on XX/XX/19. XXXX XXXX refused to respond to my correspondence via email about this issue, and instead reported to the credit bureaus that my car was repossessed/unpaid, etc. when that is not true. They also failed to look at my correespondences regarding my insurance issues with Personal Service Insurance Company ( XXXX ).
Consumer complaint received 2019-05-14
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. (GA)

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I have contacted the FTC and my police. I'm doing this on my own behalf. There are still items on my credit report that are not mine. XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-08-20
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. (GA)

I went to lease a new car at XXXX XXXX in XXXX, GA. I informed the salesman of the terms I was looking for and that I want to do the transaction under my company. 
I selected the car and negotiated the price. A personal credit application was handed to me to fill out ( I found out later it was supposed to be the credit application as a guarantor of a lease ). They ran my credit, submitted the inquiry. I was asked to unlock both XXXX  and Equifax credit bureaus accounts. They obtained a report and credit gets approved. While signing paperwork, I realize the paperwork being signed was for a personal lease, not for my company. The financial officer corrects the paperwork and I drive home with my new vehicle. Some days later I am asked to unlock my credit again as they made a mistake and it is required for them to make a second inquiry. I tell them they already had one from both XXXX  and Equifax and it should be enough. The financial manager calls me and insists. He elaborates and states it will not be an inquiry made, I asked him to put that on  an email. After receiving the correspondence I trusted him and went ahead and unlocked my accounts for a second time, sure enough a second inquiry appears on my credit report. Obviously they lied to me to fix their mistake of submitting a loan as personal where it was supposed to be for a company. My credit report should not have been checked twice and I should not have another inquiry on my credit reports.
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (CA)

To take advantage of cash back bonus offered by US bank, I wanted to pay an utility bill in the amount of {$300.00} by using my XXXX XXXX ... XXXX. Instead, I inadvertently charged this amount to my Checking Account ... XXXX by using my debit card ... XXXX associated with the CHECKING ACCOUNT ... XXXX on XX/XX/2019. This mistake, according to the Bank, resulted in NSFs in the checking account. The Bank slapped two fees of {$36.00} each for this lapse ( They, however, reversed one charge later on ). The bank charge of {$36.00} is illegal, and fraudulent due to the following reasons : 1. The account has been handled responsibly and never been overdrawn over its three year long history. The bank created an artificial overdraft by setting aside a sum of {$300.00} for payment to XXXX, but DID NOT PAY THIS AMOUNT TILL XX/XX/XXXX. On XX/XX/XXXX, there were sufficient funds in the account as a cash deposit of {$400.00} was available on XX/XX/XXXX to cover the artificial cash deficiency and Bank never carried any risk of loss due to this made up overdraft. 

2. On XX/XX/XXXX, the Bank called me from telephone number XXXX XXXX XXXX to offer me overcharge protection, which was declined. Therefore, I never opted in for overcharge protection.However, I found to my utter surprise, on XX/XX/2019 that the Bank had set aside funds for payment of utility bill rather than bouncing back the charge. Therefore, I had to make an emergency deposit of {$400.00} to cover the set aside HOLD on funds. This reprehensible behavior of the Bank goes against the very spirit of the consumer protection laws, when it enrolls customers in overcharge protection without their consent and knowledge. 

The Bank may be asked to refund the illegal charge for fees in the amount of {$36.00}. Further, the Opt in practices of the Bank for Overcharge Protection need to be carefully investigated.
Consumer complaint received 2020-08-20
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX
Consumer complaint received 2020-08-20
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. (NY)

XXXX XXXX XXXX was an auto loan, first delinquent and reported, XXXX of 2012, there were no payments made after and sent to a collection agency. By federal law this debt is over 7 years old and should be removed and it has not been.