davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Reference : Mr Cooper Loan/Mortgage # XXXX Hello, Approx 2 years ago, had many issues with Mr Cooper- PMI XXXX escrow etc. Refer to case # XXXX. Issues were resolved at that time..pmi and escrow removed ... all has been well. 

As of a few weeks ago ( XX/XX/XXXX ), i received request to provide mr cooper with current hazard insurance information. I responded immediately providing the new policy number ( paid in full and ends in XX/XX/XXXX ), phone number etc for my XXXX XXXX XXXX policy. My previous policy was with XXXX too. 
No lapse is coverage ever occurred and taxes are fully paid. 

Next thing you know, Mr Cooper is trying to reopen a new escrow account for me as of XXXX, XXXX. I didnt not request nor want this. I called Mr Cooper ( spoke with XXXX XXXX and asked whats going on and again, its the same incompetence i experienced two years ago with all the issues. I then left voicemail for XXXX XXXX ( Mr Cooper Mgmt ) who helped me two years ago. 

Pls help me. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following account need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Consumer complaint received 2022-08-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC. (WA)

I got a letter from XXXX XXXX XXXXXXXX XXXX  stating it was their second attempt at contacting me. I never received a first attempt. They say I took out a payday loan with CASHNET USA online without providing any prof of debt. They stated that I obtained this loan and immediately closed my bank account. I have had this bank account since 2008. If I did somehow get an online payday loan from a bank account from before 2008 it is well past the collection cutoff for Washington state, which I have lived in for 20 years. Furthermore they are arguing that since I " closed '' or changed my bank account they are accusing me with malicious intent to commit fraud and intend to add this to a civil lawsuit if I don't sign into their website to pay them money which I have received no proof of owing. I don't even have a date of when I supposedly took out this payday loan. They never state clearly that they are going to send me to jail but the language they are using is threatening and meant to intimidate. They state in their letter they have the right to subpoena references who will testify against me if this goes to trial but instead of naming any they put on the letter " undisclosed ''. So they are using words like malicious intent, fraud, subpeona, " witnesses testifying against me '' and trial for a supposed payday loan for under {$500.00} I supposedly took out and then I supposedly closed a bank account to avoid paying them. Again, no dates of this loan, no details. Nothing.
Consumer complaint received 2024-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I've submitted multiple letters to Experian regarding five accounts. These five accounts in particular are not all on XXXX and XXXX. In fact Experian refuses to remove accounts that they say are quote on quote verified. I asked for their method of verification none was given. A violation. I've also received stall letters and sued Experian in court. I may sue again if this matter isnt deleted. 

XXXXXXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX. XXXX {$840.00} XX/XX/XXXX XXXX. XXXX {$870.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX this account is showing a late payment. XXXX is not reporting any late payments. Please have them prove the late payment by showing a copy of their bank statement. That would show exaclty when the payment was made.
Consumer complaint received 2022-08-26
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: Bread Financial Holdings, Inc. (KS)

I opened a XXXX XXXX credit card for a XXXX  procedure and had to set up a pay arrangement to pay off the card to close this account. After ensuring that the company was aware during the call with the employee for {$300.00} a month until the full {$1800.00} was paid off. I brought the balance down to {$450.00} and was getting ready to pay off the account i received a statement that stated i owed an additional {$780.00}. I called the company and explained that i had previously set up this pay arrangement with a member of their team and wanted the arrangement to be honored as previously agreed and would not pay the other amount because during the initial phone call it wasn't discussed nor brought up about this being promotional. Now i received an additional phone call and tried to explain how i initially freaked out and wanted the account closed and a notarized pay arrangement to be established so that this would not happen again. The man on the phone would not hear about it and even was acting smug about the situation while saying i wasn't able to request this arrangement and the statements were all i was going to receive. When asked why the initial phone call didnt include this information I was informed that the account specialist did not know.
Consumer complaint received 2022-08-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (KS)

I received a letter stating I have until XX/XX/22 to dispute all or some of the debt and if i do so in writting collection attempts will stop until info is sent showing i owe the debt. As of XX/XX/22 This debt collector illegally added it to all 3 credit reports. I have called their number several time during this period and I never get to speak to anyone and no one ever returns my calls.
Consumer complaint received 2022-07-12
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: SYNCHRONY FINANCIAL (CA)

Synchrony bank closed my Sam 's Credit Card and all my credit cards associated with Synchrony bank. 

Synchrony bank closed my Sam 's Card to not pay the cash rewards that I have earned approximately {$5000.00}. 

They stated that to contact the credit bureaus, which I do not have any missed payments or derrogatory issues on my credit report. My credit score is over 800 with no missed payments of any kind.
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX 15

U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my instructions.
Consumer complaint received 2022-07-12
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: Atlanticus Services Corporation (NC)

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

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

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 UCC 3-603 : TENDER OF PAYMENT : States that ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (FL)

Ally Bank is the worst!!!!! I initiated a XXXX to someone and they never received funds, a week later I went to send it again, but realized the first XXXX I sent out, never came back, so I cancelled the second one. I contacted ally bank and a lady told me wait 13 business days. After 13 days, no funds were issued out, so I complained about it, then they credited me my XXXX back, I sent that to the person that I had waiting a month to receive their funds. A month goes by and the close out my account and even took away my access. Today I attempt to log in because I keep receiving emails from them, then all of a sudden it gives me access and I notice it shows my account is back open with a negative balance of XXXX dollars for a withdrawal on XXXX XXXX XXXX. This bank has been making errors for a long time, they also have been sending me mail saying I owed over draft fees when I contacted them they informed me that it was an error in their system and to just simply ignore it. This bank is ran digitally and the system is just trash. They are charging people then apologizing, closing accounts then opening them back up with a negative balance, theyre claiming the will send it to my credit which I worked hard to fix. I will be contacting a financial and banking attorney and taking them to small claims court.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Since XX/XX/XXXX, I have made repeated attemptsby phone, mail, and written responsesto resolve inaccurate information on my credit report with XXXX, XXXX, and Experian. Despite my efforts, they continue to report inaccurate details on several accounts. 

One account I have specifically disputed is with XXXX XXXX XXXX. XXXX, for instance, is not reporting any record of my last payment. For the information to be accurate, all aspects of the account must be fully and correctly reflected on my credit report. As of XXXX latest report on XX/XX/XXXX, there is still no update regarding my last payment. In this case, the account should either be updated with accurate information or removed entirely. 

Experian is similarly reporting inaccuracies on this same account, listing the last payment date as XX/XX/XXXX, with a last report date of XX/XX/XXXX. This information is inconsistent with both XXXX and XXXX. According to the Fair Credit Reporting Act ( FCRA ), credit reports must reflect 100 % accurate information. Incomplete or inconsistent reporting violates this standard. 

Additionally, there are other accounts on my credit reportsuch as those with XXXX, XXXX XXXX, and XXXX  XXXX  XXXX are also inaccurately reported across all three credit bureaus. I have contacted XXXX, XXXX, and Experian multiple times since XX/XX/XXXX to request thorough re-investigations into the accuracy of these accounts. Unfortunately, none of the bureaus have taken the appropriate steps to address these issues. 

These reporting inaccuracies are negatively impacting my financial well-being. The failure of all three credit bureaus to adequately investigate and correct these discrepancies is a direct violation of my legal rights under the FCRA. This negligence on their part not only undermines my financial standing but also demonstrates a broader pattern of disregard for consumers in similar situations. I demand immediate attention and correction of these inaccuracies.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (GA)

Previous complaints were closed out without any resolution. XXXX XX/XX/22, XXXX XX/XX/22, XXXX XX/XX/22, XXXX XX/XX/22, XXXX XX/XX/22 There are multiple violations that American Express is violating and as a federally protected consumer XXXX this is very troubling as they are affecting my character and quality of life. Please see attached.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My service provider granted me a COVID forbearance on my VA loan, due to a reduction in my pay during times of XX/XX/XXXX- XX/XX/XXXX. At the end of the forbearance I was given a 3 month trial period which i paid on schedule as directed. After the trial period the modification was fully approved and converted to 30yr fixed loan. 

However during the 3 months of the trial period, my credit account was reported to the credit bureau as 30, 60 and 90 days late even though all payments were made on time as directed by the service provider.

According to guidance i've received, the Cares Act states, " If your account is current when you are offered assistance and you follow the terms of the accommodation, your creditor should continue to report you as current ''. 

I need help getting the service provider to remove the 30, 60, 90 day missed payments from my credit report
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (CT)

I contacted penfed to make a payment on my credit card because I could not add my account on their website to make a payment. I spoke to a manager in the credit department who explained that this happened to several members. She said she would expedite a credit bureau dispute which never happened and my credit rating keeps being destroyed by their actions. I waited over a month for penfed to review this and make the necessary changes and they refused. I called in and a woman made the payment for me a made an error which further delayed the payment because it had to go to their back office. If this isn't corrected penfed will be brought to court to have this remedied. I tried to make the payment but they had a system-wide issue and refuse to correct my credit report or handle the fraudulent charges.
Consumer complaint received 2022-08-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts. I am not responsible for this debt, I do not have a contract for this account, and you have not provided me with the initial application as requested.
Consumer complaint received 2022-08-25
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. (PA)

I XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to Experian, its United States affiliates ( collectively, Experian, we, us, our ). 
I the consumer is opting out of any privacy policy and/or terms of use consumer may have directly or indirectly agreed to using Experian services or websites. 

Experian has 15 days to permanently to delete and remove the following personal data from my consumer report and credit file. 

Experian is not authorized to collect, use, sell, use and share the following personal data : XXXX XXXX NAME ID # XXXX XXXX XXXX NAME ID # XXXX XXXX XXXX XXXX NAME ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX XXXX XXXX XXXX XXXX PaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX Experian must provide free copies of my consumer report, consumer disclosure and credit file reflecting updates in accordance with consumers instructions. 

Any authorized use of consumers personal data will not be tolerated. 

By sending Experian this notice consumer does not waive any rights to take action against Experian for any past or future violations of the law.
Consumer complaint received 2022-09-17
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. (VA)

In accordance with the Fair Credit reporting act XXXX XXXX {$1900.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc (CA)

This company needs to be shut down! I am trying to update my payment account so that I can make a payment BEFORE the due date, yet I am unable to do so. The company only has customer service available, if you want to call it that, via email and it takes days to receive a response. If they even respond. There is no way to call them, no email, no live chat or any other form of assistance. I received one response on Wednesday, XX/XX/XXXX after emailing on Tuesday, XX/XX/XXXX. The email sent me instructions on how to update my payment account, and I was also texted two links that lead me to the app to add a new bank account. Well, just as I expected the app did not load and would not allow me to update my bank account information to make any payment. It just kept loading and loading. I am now unable to access ANYTHING on the app, just the bank account update screen that doesn't let me log into my bank account- it just loads. This is very frustrating. Prior to me not being able to make a payment, the company falsely marked my account as " charged off. '' After sending multiple emails, I was told that " in my profile everything is normal. '' I am now trying to mail a money order, but I have to email them for an address per their FAQs, which means I can potentially miss the payment deadline. 

I searched online for answers and ran across customer complaints and reviews from people who have had/are having the same issues. This company should not be in business if it is in the business to hurt its customers and not help them. They have unfair business practices that should be investigated.
Consumer complaint received 2022-07-12
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. (TX)

FCRA violations inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX EQUIFAX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX # XXXX - XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX View account details Account owner XXXX Account XXXX reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX XXXX XXXX  XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX XXXX this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this FCRA violations : payments never late XXXX XXXX : XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$19000.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX