davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (OH)

I placed a complaint about my mortgage not being on my credit report and after filing a complaint with CFPB they finally put my mortgage on my credit report which shows that a payment was made in XXXX of this year but nothing else. They have put a not in the comments of the mortgage stating that I disputed the mortgage and that it meets FCRA requirements. I'm not sure why Mr. Cooper or XXXX XXXX as it appears on my credit report doesn't get updated with my payments and account balance. I called them on XX/XX/year> to try to get answers as to why nothing has really been reported to the credit agencies other than XXXX payment from XXXX and a stagnant account balance that shows not movement what so ever on it. The first call ( XXXX XXXX  ) the lady listened to the my question and then just hung up on me. I called back at XXXX and as soon as someone picked up the line they hung it up. I then called back at XXXX XXXX  and started speaking with another account representative and then they just hung up on me. I didn't have any say so who my mortgage was transferred to but I sure have to live with whomever made that decision. My credit score has suffered because of what Mr. Cooper ( XXXX XXXX ) is doing with my account. I submitted all of the requested court documents to them to prove that I reaffirmed my loan after a XXXX  XXXX bankruptcy and they are still trying to get out of reporting my mortgage payments. I don't feel that I am asking for much just a fair reporting of my credit history. I have attached screenshot of what is showing on my credit report concerning my mortgage. Although my mortgage has an age of XXXX yrs you will see in XXXX of the screenshots that I attached that my oldest account is XXXX years.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAINE & WEINER COMPANY, INC. (IN)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (KY)

I have been reciving phone calls from Sunrise credit services for over a month via XXXX. As of XX/XX/year> I've informed them that my debt to att has been paid to att specifically on XXXX & currently have an active att account ( which you can not do if you currently owe them a past due balance. ) While explaining this, the first rep asked when it was paid, I told them, then they stated that I still need to pay them because they have the account. I informed them that they need to close the account and remove from my credit profile as I've paid the original creditor att and to stop contacting me. 

The rep told me that unless I pay them, they will continue to collect the debt, and then they ended the call with me. 

I called back, told the same thing, asked for a supervisor, but again was told that they will continue to collect unless they get paid, wouldn't let me speak to a supervisor and proceeded to end the call.
Consumer complaint received 2024-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (LA)

On XX/XX/year> my debit card number was stolen by a XXXX employee who spent {$130.00} on a phone item through XXXX XXXX. When I noticed the charge I locked the card and went to Regions Bank and received a new card. Regions only allows a charge dispute through their message robot online. What a joke. 

Regions mailed a letter upon their investigation and found no fraud was caused. All they had to do was call XXXX which they didnt because they are lazy. Regions never returned the fraudulent charge. Banks never protect your money as they state. XXXX XXXX has consistently told me they cant refund the money from their end and I have to do it through my bank. 

They need a pin to access the account of the fraudster. They said once the bank disputes the charge they will return the funds and turn the persons phone off. Ive even filed a police report. Upon my personal investigation I found the person who stole my card information. I never use my debit card at restaurants or for fast food for this purpose and then I did by accident and she took a picture of the front and back of the card with her phone. She was caught on surveillance doing this. 

I have screen shots below of the bank letter from Regions and a XXXX XXXX chat listing the woman who stole the card numbers name. She has been fired and hopefully go to jail for identity theft. Regions asks me to fax them information. What a stall tactic by them. Nobody in America uses a fax machine anymore. I just want my tiny little money back and the thieves locked away.
Consumer complaint received 2024-08-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Village Capital & Investment LLC (DC)

[ XXXX ] Village Capital arbitrarily changed the payout month after closing, resulting in only one ( 1 ) month of skipped mortgage payment instead of the advertised and promised two ( 2 ) months of skipped mortgage payments. [ End of Summary ] I closed on a XXXX XXXXXXXX Refinance with Village Capital on XX/XX/year> with a notary that came by. On the loan documents, I noticed that the next payment would be in XXXX. The loan officer promised me that I would have two skipped payments. When I called him, he assured me that the XXXX payment that I had made would return to me. 

Fast forward a week later, I called and was told that the Payout document had been updated to XXXX, and that XXXX would be the only skipped payment. The only other option is to re-close the first week of XXXX. This would not be ideal for me because there is a XXXX occupation clause in the closing document -- I am trying to leave XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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 — Problem with personal statement of dispute
Company: MONEY SOURCE, INC., THE (OK)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against The money source regarding their poor quality of service. I have had several issues with this company, including a late payment that was their fault and their failure to provide me with adequate customer service. 

I reached out to a supervisor regarding the late payment, and they were supposed to call me back to discuss a resolution. However, I never received a call back, and when I followed up with the company, they were rude and unhelpful. 

Furthermore, I have had additional issues with this company, including a lack of communication and failure to provide me with the courtesy of fixing their mistakes. I have tried to contact them to address these issues, but they do not call me back or provide me with any assistance they put a late payment on my credit report for XX/XX/2022 I tried to explain what happened to the agent that was supposed to help me but all he did was try to confuse me I explained they had me cancel the payment on the app and pay it over the phone I have been doing business with the money source for almost 2 years I have never been late always pay on time this is effecting my credit report the last agent I spoke with was XXXX XXXX, I am extremely disappointed with the level of service provided by The money source, and I believe they are not meeting the standards of customer service that are expected. I hope that the Consumer Financial Protection Bureau will take action to ensure that this company improves its service and treats its customers with respect. 
My account # XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-12
Product: Credit 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: SYNCHRONY FINANCIAL (MA)

Synchrony Bank failed to conduct a reasonable investigation of a billing dispute in violation of 12 CFR 1026.13 and unfairly chose to uphold an off-market return policy, instead of heeding the words of the Massachusetts Attorney General, in violation of the CFPA 's prohibition on unfair acts or practices.

As background, I purchased an item from XXXX XXXX using my Synchrony Bank PayPal Cashback Mastercard. I realized after purchase that the item was visually defective and tried to return the unopened item just a few days after XXXX XXXX 's off-market 15-day return policy. After exhausting my options trying to resolve the issue with XXXX XXXX, visiting multiple retail locations and calling their apathetic and ineffective customer service, XXXX XXXX refused the return, so I disputed the charge with Synchrony Bank. 

Synchrony Bank denied my dispute, so I filed a second dispute providing additional evidence, including ( XXXX ) language from the Massachusetts Attorney General 's website which states, " Defective merchandise must be accepted for return, regardless of any policy '' ( https : //www.mass.gov/guides/a-massachusetts-consumer-guide-to-shopping-rights ) and ( XXXX ) images of the defects, comparing the item I received to a stock photo of the item. Despite this, Synchrony Bank ignored the law and again denied my dispute, choosing instead to uphold XXXX XXXX 's return policy over Massachusetts law. 

I submitted a third dispute which Synchrony Bank most recently denied.
Consumer complaint received 2023-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (MD)

On XXXX XXXX XXXX we bought a new air conditioning unit. The company XXXX XXXX XXXX XXXXXXXX offered us a XXXX interest payment plan serviced by Wells Fargo. We had to pay the full amount by XXXX XXXX XXXX. 

We set up automatic payments of {$310.00} a month, knowing that we would have to send additional payments prior to the deadline. We never missed a payment. A few months before the deadline we made XXXX additional payments of {$1500.00} ( XX/XX/XXXX ), {$500.00} on XX/XX/XXXX and {$620.00} on XX/XX/XXXX. We also set up extra payments for XXXX and XXXX for {$310.00}. Just to be sure we were covered I sent an extra {$3.00} on XX/XX/XXXX. 

So imagine our surprise in XXXX of XXXX when we saw a charge for {$310.00} come through our bank app. I called and found out that Wells Fargo did not take the extra XXXX autopayments of {$310.00} because they said their system only accepts minimum payments so they did not process the XXXX extra auto payments. 

Because their system did not accept the payments, they were charging us {$3600.00} in back interest. 

I opened a complaint and they are agreeing to waive {$1700.00} if we pay {$1800.00} by XX/XX/XXXX. 

I consulted a lawyer who advised that I pay the balance because Wells Fargo is famous for messing up people 's credit. I have had an XXXX credit rating for several years. WE paid on-time the whole duration of our agreement and made a good faith effort to pay the balance. Wells Fargo 's website is very misleading.
Consumer complaint received 2023-02-11
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. (MD)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report. I included a date on the last letter I submitted to the XXXX credit bureaus on XX/XX/2023, but no answer was received. These accounts must be validated XXXX XXXX  XXXX Balance : {$16.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$44.00}
Consumer complaint received 2024-08-07
Product: Credit card — Store credit 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. (CA)

I had paid off my Children 's Place credit card on XX/XX/year> and accepted My payment went through on XX/XX/year> and my bill is due XX/XX/year> they charge and interest of {$5.00} on XX/XX/year> for a purchase interest. I haven't made a purchase since XXXX or XXXX. They Keating late fees and refunds and removing refunds. I did not get a notice that I had any payments to pay until XXXX when they called me. Usually I get a paper statement or email. I did not recieve none of those. I talk to them and ask why was I being charge ans explain the charges to me. They did not I emailed as well. Rhe last conversation I had asking ro remove because they didn't have a reason charge me purchase interest and a rep that they will remove the rest of the charges if pay {$37.00} on the bill.
Consumer complaint received 2023-10-19
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. (NJ)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

I notice a collection appearing in my credit report report last year, I disputed with all 3 credit reporting agencies and finally after a few months of investigating 2 of the agencies removed the collection as being fraud and result of the identity theft, I also filed the complaint against the collection agency " Resurgent " with CFPB and they falsely provided a letter alleging to have addressed the issues and feel like the account is accurate while the original creator of the account could not provide the requested info to identify the account as being my account Resurgent is currently rereporting the same account with false ID and account info under my name and social, I have asked them for info on the account and detail history but all they are providing is computer generated statement that has no connection with me and my signature not showing on any of the statement. 
As verification of Debt in accordance with Fair Debt Collection Practices Act they have not been able to provide me with any statements that bares my original signature, accurate Date of Birth, accurate address and correct name.
Consumer complaint received 2023-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

Goodmorning, I bank with Chime I have for about 2 years now. Sadly I was XXXX from XX/XX/XXXXXXXX XXXX XXXX roughly 6 almost 7 months. When I get home I actually have to buy a new phone and get a new wallet and ID because someone had stolen them while I was in XXXX. So I get a new phone and access my email address and check on my funds that I had saved up in my chime account. Well unfortunately someone stole over {$8000.00} from me during the time that I waXXXX XXXX as well as taking my ID & social. So immediately I file a dispute show documentation through the court and sheriffs office to prove I was XXXX during the time being & that these were unauthorized transactions. I also filed a police report about the matter and sent them this documentation as well. My Dispute claim was DENIED though I showed supporting documentation as well as a police report and also employees at chime assured me that I had nothing to worry about but I need the money that I worked so hard for thats literally my life savings I cant pay my bills or even attain a lawyer for my legal troubles. The dispute number is ( XXXX ) I also have documents and everything I need to prove that it was not me whom did this, the person used XXXX to wipe my card by attaching my card information to their account and pulling money as well as paying personal bills out of my account. I have all of this as evidence and would like this resolved.
Consumer complaint received 2024-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

From XXXX ( during XXXX ) to date, credit reporting agencies are reporting lates during a period of deferment and/or forbearance on XXXX accounts.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (GA)

I sent payment they refused payment. Account balance is inaccurate and inquiries are inaccurate. Also payment is inaccurate sent certified mail. Under law refusal of tender is discharge to the full amount of tender.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: 2288984 Ontario Inc. (NJ)

This report is related to a recent complaint filed on XX/XX/year>. That complaint was case # XXXX against a company with many names, XXXX  with / added information as seen in report mentioned above. I tried calling this company today from XXXX of the 6 times they ran my soft inquiry of my credit report. That address was XXXX located XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX with zip code of XXXX. The phone number was XXXX. I called that number today XXXX XXXX XXXX  XXXX and spoke with a female representative named XXXX XXXX answered the phone as Hello, welcome to Money Tree. I ask the woman about my concerns of them coming up on my credit report, 6 times in XXXX day, on XX/XX/year> but at different locations ( see attached copy of my soft inquiry credit report ). She had not answers so an ask to speak with a supervisor or legal department. I was put on hold for about XXXX minutes then told by XXXX that a supervisor was not available but if I think my identity was stolen I could file a complaint with the FTC. I informed this person, I just wanted to know who they are and why was my credit information was ran by them and other affiliated companies with XXXX  on XX/XX/year> without my permission, without any reasonable explanation and Ive never applied for credit or loans from if they are a loan company. I was told again by XXXX that I could leave my phone number and a supervisor would respond later. I informed XXXX Ive already filed a complaint with the department of consumer affairs and the FTC which is case # XXXX. After hanging up, I called the department of consumer affairs and spoke with a representative about this recent complaint # XXXX. I informed the representative of the updated information as to the phone call I just had and he added this information to the original complaint just mentioned. 

I wanted to add another additional address for this company for your investigation of this company I believe is fraud. That address is XXXX XXXX XXXX, XXXX, Delaware XXXX. Phone # XXXX This information in a surch comes up as We Are Scammers An additional address I found to this entity is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE, XXXX. Ive attached relevant information to this entity and additional information to this original complaint mentioned above and with this additional report.
Consumer complaint received 2018-05-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (VA)

Good Afternoon, I would like to file a complaint because I'm a former student with this school I have complained about this school before. Im currently in default on my private student loan owing {$14000.00} come XX/XX/XXXX. I have already contacted a lawyer locally to investigate this school for predatory lending practices. I have contacted the lender to negotiate payment arrangements back in XX/XX/XXXX and told them that I {$290.00} twice a month while paying rent and a car note was not feasible to make a living so I was sued and granished XX/XX/XXXX. I have since went to court and filed a homestead deed to have my funds returned to me they have filed another court hearing for garnishment XXXX which I will have another attorney review my case before then. I'm currently {$80000.00} in debt from student loans I can not go back to school due to the XXXX cap the school took out.
Consumer complaint received 2024-07-13
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: EQUIFAX, INC. (FL)

Date : XX/XX/year> To whom it may concern, I am writing to request an investigation of the following information on my credit report : The charge-off of an obligation with XXXXXXXX XXXX XXXX XXXXXXXX , is not mine ; I am not responsible of this account, The charge-off of an obligation with XXXX XXXX XXXX, is not mine ; I am not responsible of this account, The charge-off of an obligation with XXXX XXXXXXXX XXXX, is not mine ; I am not responsible of this account, I am a victim of ID theft. People have use my information to open them and also make fraudulent activities. 


To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 



Sincerely, XXXX XXXX XXXX XXXX : XXXX