davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (IL)

In XXXXXXXX XXXX XXXX, I entered into a loan modification agreement with Mr. Cooper mortgage company. Per the agreement, the first three payments ( trial period payments ) would be made XXXX XXXX, XXXX XXXX, XXXX XXXX. The payment would have to be received by the last day of each month. The first payment I made was received and posted on XXXXXXXX XXXX. The payment was made by XXXX XXXX XXXX Collect to ensure funds were received within an hour of payment being made. The second payment was sent on XX/XX/year>. It was also made by XXXX XXXX XXXX XXXX and funds should have been posted within an hour. 
As of today, XX/XX/year>, Mr. Cooper can not locate my payment. I reached out to them on XXXX ( the day after I made the payment ), XXXX, and several dates leading to today. I previously put in a request to the research department to have this matter investigated. I forwarded a copy of my receipt of payment to the mortgage company. XXXX sent a letter stating that the accounts department would have to locate my payment. To no avail, my payment still has not been located. XXXX XXXX has confirmed that the funds were sent and received by Mr. Cooper on XX/XX/year> at XXXX. I was informed that the modification agreement has been denied because of non payment and that my home would go into foreclosure status XX/XX/year>. I need assistance and answers with understanding how this happened and why I'm being penalized for this mishap on behalf of Mr. Cooper.
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-10
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$5900.00}, XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$1600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I had 4 Capital One credit cards in good standing without one late payment, interest, or late fees. The first Capital One 360 was opened in XXXX and was a {$300.00} limit. It increased to {$1800.00} and switched to XXXX. The four accounts including a checking account they did not close are XXXX. XXXX {$1800.00} XXXX. XXXX XXXX rewards student credit card- {$500.00} XXXX. XXXX - {$500.00} XXXX. BJs - {$500.00} Each credit card had fraudulent and unauthorized purchases on them. I would call and report these to Capital One, and have to wait a long time for them to mail me a new card. I saved ALL of the cards and still have multiple copies of cards for the accounts they failed to prevent unauthorized purchases from. 
I added my boyfriend as an authorized user to the cards. The plan was to build credit. From time to time, he would withdraw funds from his account and tell me the money was there. This caused returned payments. The charges would be paid in two days, however. In XXXX of XXXX, I was on the phone asking them why my XXXX card was restricted. They told me the account was closed and would not tell me why. I cried and the agent was rude saying, " You know you are being recorded, right? '' I was bawling and explaining how it was unfair and how it did not make sense to close my card for no reason. He said it was because of returned payments.The next week, the XXXX other cards were restricted/closed. It was nasty to do to a loyal consumer. My utilization rate went up, and my XXXX XXXX has plummeted despite trying so hard. I paid them despite the accounts closing. I noticed I was charged interest fees and cash advance fees. After almost a year, none of the balances have decreased! I stopped paying them two months ago and late fees are the very first time I have seen on CaXXXXtial One statements because my payment history was perfect. They have committed a criminal act. I can not get a loan, finance a car, or leave to move to a vacant apartment. I suffered years of abuse. This was all due to a well-planned ploy by the partner. He ruined my credit on purpose. I finally got an apartment. But, after his car died, he took my car under his name because he had to finance it in his name after crashing my work car after gambling. After he found out I had an " out '' he took car back. Now? He drives me to work not allowing me to leave here to work or go to my apartment. Capital one did not want to hear that he promised the money was in his account to pay the charges. He even threatened to call Capital One and say he did not want to pay his share anymore. No one will hear my story. Only XXXX will listen. So far, not one human will help.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ASSOCIATED BANC-CORP (IL)

In late XX/XX/year> and early XX/XX/year> Associated Bank closed my account despite me having an open dispute and being an excellent customer for 10 plus years. I filed a dispute and provided documentation in regards to XXXXXXXX XXXX stating that I had to contact my bank to receive my money bank. Associated Bank never responded to my dispute and never gave me my money back which amounted to at least {$1500.00}. Associated Bank discontinued my access to any prior account information despite me filing 2 complaints and providing information from the company stating I needed to contact my bank to get my money back, Associated Bank isn't out any money as this is my money that is owed to me. Associated Bank has had months to make this right and has refused to do the correct and proper act in returning my money. I supplied the bank with the letters I received from the company that states I need to contact my bank and they purposely didn't investigate. The employees at the local branch disposed of the documentation I provided after they closed my account under false accusations. I want my money refunded. Associated Bank needs reported to the FDIC.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Tried to check on the freeze status for the XXXX XXXX. XXXX I established all report " invalid credentials '' or " Call this number to speak to an agent. '' Tried XXXX phone authentication and got through including validation code sent to my phone and it reported unable to authenticate. Waited for an agent on phone for XXXX minutes and gave up. Thanx for your followup.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (VA)

In accordance with the fair credit reporting act these creditors have violated my rights. Under 15.USC1681 Section 602 states that I have a right to privacy, 15.USC 1681 Section 604A Section XXXX it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15.USC 1666B a creditor may not threat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The companies are in violation are below : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-06-12
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-17
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: SLM CORPORATION (CA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am unable to obtain my Transunion credit report and credit score online. I have spoken to a representative and they were unable to help. As a consumer I have the rights too be able to obtain what is on my credit file, without waiting weeks for it to come the mail. Also, in the mail a credit score can't be provided. Please help!
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

XX/XX/XXXXXXXX XXXX, 2024 Equifax XXXX XXXX Subject : Request for Removal of Fraudulent Accounts from Credit Report Dear Sir/Madam, I, XXXX XXXX , am writing to request the removal of the following fraudulent accounts from my credit report. I have included a new XXXX XXXX Report that details the unauthorized items and creditors involved. 

FTC Report Number:XXXX  1. XXXX Account - Item Disputed : XXXX XXXX - Account Number : XXXX - Issue Type : Account ownership and fraud issues- Issue : This is not my account, and I am a victim of fraud.. 
- Confirmation XXXX : XXXX XXXX. Inquiries : XXXX XXXX XXXX  XXXX - Address : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX - Date of Inquiry : XX/XX/2024- Action : Dispute this XXXX XXXX XXXX XXXX - Address : XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX - Date of Inquiry : XX/XX/2023 Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of these fraudulent accounts from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stellantis Financial Services US Corp. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diversified Adjustment Service, Inc. (FL)

XXXX XXXX XXXX XX/XX/XXXX {$460.00}, XXXX XXXX XXXX XX/XX/XXXX {$810.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX {$830.00}, XXXX XXXX XXXX XX/XX/XXXX {$870.00}, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$11000.00} DELETE ALL INQUIRIES AND ACCOUNTS
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-03-17
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. (IL)

To Whom It May Concern, Please be advised that I have received our computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on XX/XX/2023 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me-not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2023 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (GA)

PHH Mortgage refused to work with me as a protected class as XXXX XXXX. I spoke to a XXXX  Manager who has refused to resolve this issue. I am bounced from call to to call for hours at a time. The people are not trained at all. PHH Mortgage has acted in bad faith with homeowners trying to resolve issue with the house. I have been working with several XXXX  executive at PHH Mortgage to get critical information that was never provided to me per payoff information for my loan regarding deferrals and forbearance on the back of my loan. The Escalation team deliberately sent me inaccurate information. I was denied pertinent information PHH Mortgage to get assistance get the loan payments paid. I asked for this information in XX/XX/year>. The Escalation Team refused to send what is needed such as the balance per forebearance/ deferral agreement. I have reached out to senior executives but they use low level employees as a buffer to stall the process in order to execute late fees, penalties for their predatory profit scheme against XXXX XXXX in attempt at equity theft. I received an illegal default notice in an attempt to intimidate and harass me when I have made payments. I have not received insurance claims endorsed to PHH Mortgage in time to take care repairs due to water damage. This company had me calling back and forth all day since XX/XX/year> to delay for predatory scheme to cheat me out of money for fees when I can not get help for archived information to pay off the deferments/forbearance balance. The Escalation Manager laughed and said the XXXX  Managers would not do anything to him but send me back to him where nothing would be done. This company should be shut down. They only time this company work for consumers is when the company is sued. The company reverts back to their old tired tactics and evil processes when the lawsuit is over.
Consumer complaint received 2024-08-19
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC. (IL)

I received two text messages from someone claiming to be Halsted Financial, attempting to collect a debt that they say I owe. The first text message, sent on XX/XX/XXXX, said that I owed money to an XXXX XXXX XXXX XXXX  that I have never seen before. They gave me a link to what seems to be a XXXX XXXX and a phone number, but they also gave the option to " Reply STOP to opt out. '' The second text message, sent on XX/XX/XXXX, repeated that it was Halsted Financial trying to collect a debt, but they offered a vague payment plan option in order to save a specific sum of money in seven payments. They named their creditor as XXXX XXXX XXXX, XXXX. 
After receiving the second text, I looked into Halsted Financial and found a page on their website discussing Scammers and Fraud. Here, they encourages those who believe they are receiving scam calls/emails/messages should call their number listed on their website, so I did. When they picked up, there was too much static for me to understand the person on the other line, but they said nothing about being from Halsted Financial. I also noticed that their website was last copyrighted in XXXX, which is three years expired.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (MS)

Nationstar has conflicting reporting information on my credit report. It shows no delinquencies in the comments but XXXX in the history report. This is incorrect and they have not furnished a payment history of the months of XXXX to XX/XX/year>. Please remove all negative reporting
Consumer complaint received 2024-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MD)

XXXX - {$51.00} XXXX - {$61.00} XXXX {$790.00} All accounts are paid off an need to be removed Ive called email an written a letter too have removed an nothing keep be reported this is incorrect it needs to be removed asap