davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On the credit reporting ot Experian, there was a charged off account with XXXX. 

But I have never applied and therefore had any XXXX Credit Card. I have never charged on XXXX Credit Card. I have never received any monthly statements and I have never paid any payments to XXXX, or XXXX XXXX. I have never received any notices of late or nonpayment from XXXX XXXX.
Consumer complaint received 2020-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PR)

It is known that there is a PANDEMIC and that the US Government passed at least two laws regarding the pandemic and offering assistance due to what is happening. Besides this the student loan company proceeded debiting my account that did not hace funds available and was charged a fee due to that. 

Also I timely requested forbearance of this student loan and all though the forbearance was filed via email AND uploaded to the companies website, they continued to debit my account against the law.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
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. (FL)

Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.
Consumer complaint received 2023-03-22
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7700.00}.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I was notified that they was removed but they are still showing up on my credit report when it shouldn't be. So they new this an Still considered On violating my rights based on 15Usc 1681 So the following ( Hard Inquires ) need to be removed And then you need to provide me with a accurate Credit Score ... Because that has been tampered with as well when the profile was frozen as well as locked a second violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (WA)

I overpaid my last account balance and now my account shows I am owed a credit of ( - ) {$2600.00}. I called customer service to request a refund of this overpayment on XX/XX/24 but was denied this request. The customer service rep stated that because of a pending dispute, they could not refund me MY money since Synchrony put up the temporary funds until the dispute is resolved. FALSE. Synchrony is using MY money to temporarily credit a disputed case, not the bank 's money as required. And with them dragging their feet on resolving this dispute ( I sent in all the evidence needed yet still no resolution ), I am losing interest on this significant sum on a daily basis.
Consumer complaint received 2016-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

As per complain XXXX, Nationstar Mortgage alleges that I paid full mortgage payments during my trial period. As soon as I received my trial period, I began making payments of {$600.00} for the first month, {$600.00} for the second month, {$600.00} for the third month and {$570.00} for the fourth month when it was brought to my attention that I needed to make the exact amount and that I had full filled the trial period by their representation. Their representative, XXXX, who is a manager, told me they had added an additional month to the trial period. I have resubmitted the forms to them for a new loan modification and they have laughed at me and told me I have been denied. " Once you fail a trial period - you NEVER get another. '' said XXXX on XX/XX/2016. Nationstar failed to apply the funds properly as shown in the original mortgage statements I sent to you in the above referenced complaint. Notice the unapplied funds in that statement. They were putting the payments in unapplied funds and then applying them as full payments. I never made a payment for {$470.00} which shows as being applied at one point - this occurred because they had n't been applying the funds correctly. They were taking the trial payments and applying them as full payments creating the failed environment themselves-which is what I have been telling them all along. They do n't know what they are doing. It is fraudulent and and obvious effort to take my house. I have had to humiliate myself by begging and borrowing money from family and friends to save my house and prevent myself from becoming homeless. No one is looking at the proper place on the statement. UNAPPLIED FUNDS which is where they put my proper payment!!!!!!!!!
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC. (PR)

Greetings I bought a XXXX XXXX XXXX from equifax on the Equifax internet site in order to monitor my scores. On the last XX/XX/2020 they charge me {$19.00} for the month of service. Two days later on Tuesday XXXX, 2020 i received an Email saying that my product was cancel and if didnt request for that to call them. So i did call them asking why this happen. They never give me an explanation so they ask me to pay again {$19.00} and say they will give a refund for the first {$19.00} dollars. After that this happens again and they said they will give me another refund but i needed to pay a 3rth time {$19.00}. That same problem happens one more times within a week and a half. I Has pay four times {$19.00} And now they dont want to give me the last two payments i made and if i want the service to pay another 5th time. This product cancel by itself i dont know why. I wanted the product but is incredible that Equifax has this problem with no explanation.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-07-17
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (PA)

I had Amazon XXXX  for years before I signed up and was approved for XXXX dollar credit limit from Synchrony Bank. When I got the card I read that it was XXXX XXXX interest rate so I decided that I would never use the card because of the high interest rate. Soon after that I realized that I was getting late charges from a card that I had never used. Synchrony had replaced my primary payment method ( XXXX XXXX XXXX XXXX ) to their card without my permission. After years of them replacing my primary payment method I was fed up and in XXXX or XXXX of 2023 I called them for what I thought would be the last time I spoke with them. I continued paying my XXXX accounts ( XXXX XXXX XXXX  XXXX ) with my XXXX checking account. I kept getting late charges from and I wondered how? Instead of closing my account as requested, they opened up a fraud case and sent me a new card that I never activated. I was forced to call them several times before 2024. In 2024 they sent me a letter claiming they had opened up a fraud case and that they would freeze my account until the issue was resolved. However they continued charging me late fee 's every month. They reported late payment charges to the credit bureau although I have had XXXX XXXX on time payments with everyone else for the last XXXX  years. They claimed the reason was because I still owed XXXX dollars but they couldn't tell what the charge was for. I have spoken to Synchrony several times this year and was always met with hostility from their Customer Service Reps. 

As a result I had to close the XXXX accounts I had with them to ensure they couldn't continue charging me in a fraudulent manner. However that wasn't the case. I had a XXXX credit limit with Lowes and Synchrony they reduced the credit limit down to what I owed, which made it look like I had used XXXX XXXX of my limit. This company has been predatory against me since I first activated the original account.
Consumer complaint received 2020-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PR)

Good morning. As it is known worldwide, there is a COVID-19 Pandemic going on. I requested forbearance for my student loans ( which should of been stayed automatically ) and to my surprise, I received an automatic debit from AES in my account where no funds are available plus I requested a forbearance via AES 's website. 

I am being charged fees for overdraft and will pursue this issue as AES/PHEE and/or any servicer that has managed this account has caused great damage, harm and other damages. 

Stop auto debit as CARES  and and Families First act requieres, pay damages and return fees. Plus their is another complaint regarding illegal fees charged which is not closed and am awaiting for CFPB to inform about appeals and legal process and or guidance as how to proceed. 

Thank You XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MN)

I am having an issue getting approved and receiving pre-approved offers for credit cards and loans from Synchrony Financial via XXXX XXXX, XXXX Mail or email. I want Synchrony Bank to send me pre-approved offers for credit cards and loans via XXXX, XXXX, XXXX Mail or email. Full Name : XXXX XXXX XXXX, DOB : XX/XX/year>, SSN : XXXX
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CO)

Followed Mr Coopers process to the T to get insurance switched over before deadlines and would allow for escrow modification. Met the deadline and submitted information. Tried called multiple times with repeated issues only to be stuck in AI chat loops in both call center and chat. I submitted two tickets in XXXX and did not receive a callback or resolution. I received a cancellation notice from my new insurance company since Mr. Cooper has not paid them. There was a previous issue the last time I switched insurance with Mr. Cooper where I lost XXXX dollars between the previous insurance company and Mr Cooper. I asked for further information and Mr Cooper just said it wasn't them. They will not allow me to move away from escrow due to the XXXX issues I experienced and reached out to them about. This situation has negatively affected my credit due to their failed service on managing my escrow. They are currently taking over 35 % above my tax and insurance for escrow this year as well which seems excessive and the answer I received is because they " could ''.
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP (TN)

To Consumer Finance Protection Bureau, and XXXX XXXXXXXX To whom it may concern, This is another complaint to CFPB and this is a rebuttal to USBANK from XX/XX/XXXX CFPB case number XXXX. XX/XX/XXXX. My complaint was that my husband and a lawyer went to see USBANK at XXXX XXXX XXXX, XXXX, Tennessee XXXX. The branch XXXX 's name on this date is and was XXXX XXXX. And wanted to have a sit down to discuss a payment plan for the 2 months behind on mortgage payments. They were informed that will not be seen even if they had an appointment. USBANK response on XX/XX/XXXX. Response from USBANK, in addition, we would like to apologize for not being able to set up a face-to-face mediation with us. In order for this to occur, you would have to had send your request in writing, your property must be within XXXX miles of a bank branch or servicing site, and a federal housing administrative ( FHA ) loan, your account meant none of these terms. And we meet none of these. 

The USBANK branch on XXXX XXXX, XXXX, XXXX, TN XXXX is exactly XXXX miles from our house. 
USBANK states that they have no proof that there was a miss handeling of funds to our mortgage. USBANK sent letter on XX/XX/XXXX of XXXX that {$2200.00} funds were misplaced. The reply to the escrow shortage and have been reversed and reapplied as this XX/XX/XXXX payment due to the errors on on your account, we have advanced funds in the amount of {$4800.00} on XX/XX/XXXX of XXXX and XX/XX/XXXX to bring your account current. Your suspense account is now at XXXX and payments have been applied correctly. We sincerely apologize for these errors, USBANK also states on XX/XX/XXXX, it was discovered that the terms on your modification documents were incorrect. The unpaid principal balance and note were input incorrectly, causing an incorrect payment amount on the documents. 
The complaint to consumer finance bureau protection about USBANK, XX/XX/XXXX. The damage to our property. The results of mold in our house have all been sent to USBANK. Which we contacted the demands from the bank for XXXX to do work to submit we requested a list of contractors they would have in this area due to trying XXXX different contractors. No one would touch our house due to USBANK not paying what is billed and being very slow and payment. USBANK when we requested this to our case XXXX and we requested the name of contractors, we were told they do not have any recommendations. 
I sent the entire final results from XXXX XXXX and the mold present in our house. No response, also filed complaint with TN XXXX XXXX XXXX. 
U.S. Bank also said they have no information of a denied modification. 
I am attaching the responses from U.S. Bank and the air quality report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All is being investigated by the FTC and CFPB XXXX According to FCRA XXXX this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the XXXX XXXX to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA XXXX XXXX XXXX ( XXXX ) ( A ) ).
Consumer complaint received 2023-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I firmly believe that this limitation was placed in error, as I have not violated any PayPal policies or engaged in any activities that warrant such action. 

I kindly request PayPal to re-evaluate my case and conduct a thorough investigation into the circumstances that led to the limitation of my account. I am confident that upon re-examination, it will become evident that there has been a misunderstanding or mistake. I have always strived to adhere to PayPal 's terms of service and have been a responsible user of the platform. 

I kindly ask for your understanding and cooperation in resolving this matter. I understand that PayPal must take appropriate measures to ensure the security and integrity of its services, and I fully support these efforts. However, I strongly believe that my account has been mistakenly flagged, and I request that you give it a fair review. 

If possible, I kindly request PayPal to restore my account to its previous state, allowing me to continue using your services for my online transactions. I have been a loyal customer for a significant period of time, and I have always appreciated the convenience and reliability of PayPal. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly request you to take this matter seriously and expedite the investigation process. 

Thank you for your attention to this matter. I sincerely hope for a prompt resolution and the reinstatement of my PayPal account.
Consumer complaint received 2023-03-22
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. (AR)

I am submitting another CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my updated credit report and was shocked to find that there are still several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.
Consumer complaint received 2024-08-12
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC (WI)

I signed up with Americor, a debt resolution company, in XX/XX/XXXX with appx XXXX in debt. I was told for a payment of {$560.00} for XXXX  months I would be debt free. After making these payments for XXXX  months, Americor referred me to their sister company, Credit 9, My payments then went to {$700.00} for XXXX  months for XXXX of debt. I made XXXX payments to Credit 9, at which time I told them to have a negotiator call me. They told me XX/XX/XXXX that a negotiator would call. The call has never come, and I stopped payment on their auto withdrawal at my bank. They have sent numerous emails, I have responded telling them to have a negotiator call me, they still haven't had a negotiator call me. I have already paid XXXX toward my original debt between these XXXX companies and they are trying to collect nearly XXXX from me. They are banned from doing business in Colorado for XXXX  years for this very thing. They are both fraudelet companies and need to be shut down in my opinion. Thank you in advance for any resolution you can provide.
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

We had an account with Capital One credit card which was closed in XXXX. Since then, credits from purchases have appeared on the closed account. Despite our efforts to retrieve the money, the credit card company has not returned it, citing system issues and computer difficulties. We have been exemplary customers, paying every single bill on time for the past eight years. Currently, we are not receiving any interest for the money being held, and this situation is causing significant inconvenience for us.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently disputed an account with Transunion which they removed. The same day my credit score with Transunion went up by XXXX points my XXXX score with down by XXXX points. Both companies show one change which was my XXXX  XXXX account balance went down. I believe transunion, XXXX, and XXXX XXXX are playing games with my credit file.
Consumer complaint received 2023-06-20
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: Prosper Marketplace, Inc. (IL)

There is a derogatory entry on my credit report from Prosper Marketplace INC. I have a recent credit report from XXXX. Information I received is that the derogatory information will be removed at 7 years. This loan was done online. I never received any paper copies from them. I do not have an account number.