davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (PR)

MrCooper/Nationstars reported a 30-day late payment to credit bureaus, even thought it was caused by their own technical problem and failure to communicate with client. 

1 ) My mortgage payment had always been set to " autopay '', since it was transferred to Mr.Cooper from another mortgage servicer last year. 

2 ) Around XX/XX/XXXX, there was a temporary issue on the bank ( XXXX  ) side which prevented the auto-pay transaction from going through, the problem only affected electronic payments and it was resolved within a week. 

3 ) The affected the autopay transaction for the month, it didn't go through. However, MrCooper issued a false statement on XX/XX/XXXX ( electronically delivered on XXXX ), it showed that the payment on XX/XX/XXXX was successful, and the next due date is XX/XX/XXXX. 

4 ) This false statement was deceiving and never got cancelled or corrected, it gave me a false impression that the banking glitch didn't affect my mortgage payment. 

5 ) MrCooper later claimed they issued a NSF letter on XX/XX/XXXX, however, this letter was never sent out either physically or electronically, to this date, it still doesn't show up in my account 's document list. This was probably caused by, a ) A defect in their document system, or b ) Someone generated the document at a much later date but couldn't properly back date the file to insert it into my document list. 

6 ) During the 30-day period ( XXXX ) Mr. Cooper never tried contacting me about the transaction issue. ( When I talked to their representative on XX/XX/XXXX, they admitted that they didn't send me any mailing notice or made any phone calls on this matter ). 

7 ) On XX/XX/XXXX, 33-days after the failed ACH transaction, they finally issued an " ACH Confirmation/Rejection letter '', they placed this document in my account 's document list, and emailed me with a very inconspicuous subject of " You have a document to review ''. 

8 ) On XX/XX/XXXX, they finally contacted me via telephone for the first time, and, I was very surprised to hear that, and paid the balance over the phone immediately. They also surreptitiously inserted two-months late fee into the total amount without explaining the numbers to me. 

9 ) On XXXX, they reported to credit bureaus that the payment was " 30 days '' late. 

10 ) On XX/XX/XXXX, I called their credit department asking for an explanation on why they never corrected the false statement and never notified me when the auto-pay transaction failed. They said my phone number was marked as not-to-contact ( yet this was the same number they used a month later to call me ), they also couldn't explain why no USPS notification letter was mailed. It's likely to be part of their cost-saving measures.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

In accordance with the Fair Credit Reporting act XXXX  account XXXX has violated my right to privacy 15 U.S.C 1681 section 602 A. State i have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 It also State a without my written instrutions
Consumer complaint received 2021-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I basically Got scammed with {$250.00} there was completely no actions taken by the company no matter how much screen shots and proof I showed them as to what explains what happen and that it was problem on their end no action what so ever just telling me next time make sure I know the person when I definitely was not even trying to make a transaction using cash app in the first place and the person whome was supposed to receive the money does not even have cash app!
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

On XX/XX/22 XXXX reported that my vehicle was repossessed. I never missed a payment on the account, and it remained in good standing. However, XXXX will not remove the repossession from my credit report. 

I have reached out to XXXX, Equifax, and XXXX on dates XX/XX/22, XX/XX/22, XX/XX/22 and neither company have been able to adjust my report appropriately. Since that time, i've been unable to be approved for funding due to the incorrect nature of this situation. I have reached out to XXXX 3 times in regards to the incident on XX/XX/22, XX/XX/22 and XX/XX/22 and the associates I've spoken with have denied to remove the falsely reported items on my report.
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (FL)

It started with a login issue and my inability to reset my password on the Nationstar Mortgage website since I did n't know the answer to a security question I did not setup. After a few long phone calls, I finally got access to my account after getting my password reset. When I logged in I was seeing someone else 's information. When I called Nationstar Mortgage back, they did n't seem alarmed at all. I had them reset my password again to prevent anyone else from getting into it. The concern I have is after they updated their systems if I can see someone else 's information, and right now I can still see it, how many other instances of this is occurring. Using the information after I logged in I obtained the email address of the person who 's mortgage I was able to see. I emailed him to let him know Nationstar had mixed up our accounts and I was able to see his account. I even sent him his account number as proof. It turns out we have the same name and very similar login IDs.
Consumer complaint received 2023-11-06
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. (PR)

In accordance with the Fair Credit Reporting act XXXX  account XXXX has violated my right to privacy 15 U.S.C 1681 section 602 A. State i have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 It also State a without my written instrutions
Consumer complaint received 2016-10-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

My husband and I reside in a XXXX family house that we have owned since XX/XX/XXXX. In XX/XX/XXXX, our former bank, XXXX XXXX XXXX, sold our house without our consent or acknowledgement to our current bank. During that time, our mortgage had tripled which left us unable to keep up with the payments. Our current mortgage was willing to work with us by advising us to apply for a modification. We did and had gotten approved. From XXXX XXXX to XXXX XXXX we have religiously paid our new mortgage payment on time. Never once late. As of XXXX XXXX, XXXX, our mortgage will raise from {$2600.00} to {$4800.00}. With our rental income of {$2900.00} and our Social Security of {$23000.00}, we can not afford to pay the new mortgage. Both my husband and I are XXXX. We would have a reaming balance of {$480.00}. Our water bill alone is {$500.00}. We are held legally responsible to provide water, public lighting, and maintenances to our tenants. We need help. I want to get out of the ARMS once and for all and have a fixed mortgage rate. I thank you for all your help. I truly appreciate it.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

I have some accounts that were previously disputed for fraud they are not mine and they continue to appear, I expect them to be investigated and removed from my credit report and the independent investigation and update to my credit report sent to me. 

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
Consumer complaint received 2023-11-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PR)

Reported the incorrect debt to XXXX ( XXXX XXXX ) on XX/XX/XXXX. Spoke to a service rep and answered all information required. She told me that the debt was originated from someone and/or service on XXXX XXXX XXXX XXXX, TN on account num ber XXXX. I told her that i had always lived in XXXX XXXX XXXX and never been on TN. She mentioned that this looks like a typical ID theft and opened a dispute case for me. XXXX XXXX ( XXXX ) fraud dispute case number XXXX. Initially discovered the issue when looking to my credit report on XXXX where i opened a dispute on report number XXXX. 

The debt was reported to the Credit Burreau by I C Systems INC on XX/XX/XXXX account number XXXX for the amount of {$1100.00}
Consumer complaint received 2023-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PR)

I had an account with Capital One, a Capital One Platinum Card. Debt was sold to XXXX XXXX XXXX. I paid the debt off to XXXX XXXX, but it was not reported into credit. When I try to get a New Capital One Credit Card is still deny the application due to default debt with Capital one.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc. (PR)

On Tuesday ( XX/XX/2023 ) at XXXX PM EST, I received an email from a Mercury representative named XXXX from the email address XXXX. This email stated, " Hello { my name }, Were writing to inform you that we can no longer offer you services at Mercury. Periodically, we conduct additional reviews on accounts. After a review of your account, due to the nature of your account activity, we will be closing your account. Funds are being retained by Mercury at this time and will not be immediately returned to you. Should we return the funds at a later date, you will be notified. Were sorry for any inconvenience that this may cause. '' I then emailed Mercury at three separate email addresses : XXXX. XXXX XXXX. XXXX XXXX. XXXX I requested further information regarding the reason for this freeze, when I can expect to have access to my funds, and other related items. As of Monday, XX/XX/XXXX, I have yet to receive any reply or update about my account and my funds.
Consumer complaint received 2021-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

A gift card from XXXX was purchased in store in XXXX Florida for XXXX dollars using my cash app card. I live in North Carolina and have not been to Florida. I also have never given any of my personal information about cash app or my card information to any one. I was in my bed sleeping when this purchase was made. Cash app has no means to which I can cancel the purchase and XXXX  has no real way to verify the purchase because it was not an online purchase. I have never lost or stolen this card for the card info to be in Florida.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

I Tried to fix an account that show balance and wrong status in my credit report. I tried to open an investigation multiple time in XXXX, XXXX and Equifax. I do not received any response. I open a Fraud Alert because I see my report and I found that account. I completed an FTC report and send it again to the three mayor bureaus and again, no received any response or any letter from them.
Consumer complaint received 2023-10-25
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. (PR)

There is a mortgage loan that doesnt belong to me in my credit report. I dont have a mortgage at all. 

The loan is shown in the Experian consumer credit reporting company report. I filed a dispute. Experian sent me an email with the dispute resolution. 

I cant open the email to access the dispute. I get an error message. Also, I called Experian and I cant talk to an agent to know the dispute findings. The call menu doesnt allow me to do so.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

In accordance withthe Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX  Has violated my right

15U.S.C 1681Section 604 A Section2 it also
State a Consumer Reporting Agency cannot Furnish a account without my written instrutions
Consumer complaint received 2023-10-27
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: Experian Information Solutions Inc. (PR)

None of these questions are mine, please delete them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THIS ADDRESS 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
Consumer complaint received 2023-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

None of these questions are mine, please delete them. 

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
Consumer complaint received 2023-10-23
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. (PR)

In accordance withthe Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX Has violated my right

15U.S.C 1681Section 604 A Section2 it also
State a Consumer Reporting Agency cannot Furnish a account without my written instrutions
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (GU)

To whom may be reading this email, I have a concern regarding my student loan payment under Aidvantage. I recieved an email on XX/XX/XXXX, that I owe {$570.00} by XX/XX/XXXX for my student loan payment. I originally applied for AutoPay for my student loan account on XX/XX/XXXX, but the auto pay appeared to not work because i received an alert that I missed a payment on XX/XX/XXXX. I made a payment of {$570.00} on XX/XX/XXXX and received a confirmation email regarding the payment. On XX/XX/XXXX, I reapplied for AutoPay again with Aidvantage. 

I received an email this morning, XX/XX/XXXX, that my payment was " posted '' XX/XX/XXXX. I logged in my Aidvantage Account and saw that I have " no recent payments. '' On my Payment History, I see that my {$570.00} payment was done on XX/XX/XXXX, but then, on XX/XX/XXXX, a " payment reversal '' of the {$570.00} is indicated also on my payment history. I also checked with my bank and noted that the funds were never transferred. 

I am very confused of why my payment was reversed despite receiving an email indicating that my payment was " posted '' on XX/XX/XXXX. I have been trying to get a hold of a representative of Aidvantage via telephone with their customer service number of XXXX, but it has been really difficult. While waiting to be connected to a representative, the call was cut three times. I waited four over two hours with no connection to a representative. I have left an email regarding my concern of my payment, but I have not received a response. 

To add on, when I reapplied for AutoPay on XX/XX/XXXX, I indicated specific amounts for each loan ( all a little over than the intended payment, totaling $ XXXX/month ). I received an email from Aidvantage this morning, XX/XX/XXXX, that " the payment term for your loans has changed. Next payment amount : {$280.00}. Next payment due date : XX/XX/XXXX. '' I do not understand why they changed my payment back down to {$280.00}, when I requested for Autopay of {$310.00} a month. 

I hope my concerns will be addressed.
Consumer complaint received 2023-10-13
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: Experian Information Solutions Inc. (PR)

On XXXX I call first premier bank to ask for a XXXX grace period due to the fact that I was getting retire and with the money I was receiving I wasnt able to pay for the month of XXXX XXXX XXXX and XXXX. The customer service representative told me that she was going to put my two credit card that I have with them on hold for those months so I didnt get any late payments fees and she said that I was supposed to be ok with that. She said that after I started having my retirement payments that I could start paying them. So I did what she said and now that I see my credit report I saw that they put me XXXX late payments on each card saying that I have late payments for XXXX days. XXXX late payments on the card that ends on XXXX and the other credit card that ends on XXXX. On the other hand they didnt gave me any paperwork for these agreement.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

A company sent me XXXX to my PayPal account and it has been pending since XX/XX/2024 I asked PayPal why this is pending and they said it's because it was sent by e check and that it has to go from their bank to the federal reserve and then to paypal and it can take 7 to 10 business days. The XXXX was taken out of this business account on XX/XX/2024. I have called paypal everyday since the XXXX of XX/XX/2024 and I keep getting told the.same.thing ... that it can take 7 to.10 business days. I called the Federal reserve today XX/XX/2024 and was told that it takes them 2 business days to do what they need to do. So that means that my money should have been available on the XXXX or XXXX at the latest. Paypal is stating that it won't be released until the XXXX of XX/XX/2024.
Consumer complaint received 2023-10-24
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WSFS FINANCIAL CORPORATION (PR)

The purpose of this notification is to address my situation with a foreclosure action, on a reverse mortgage, enacted by the Wilmington Savings Fund Society against my cousin. 
My cousin was diagnosed with XXXX and could not respond to notifications. As a relative, I tried to intervene to address the issue but was denied requested information. 
There was an initial auction on XX/XX/2023, for {$90000.00}. That auction did not go through. There was a secondary auction on XX/XX/2023, for {$60000.00}. However, that did not go through. Prior to and during the auction proceedings, I submitted my interest, to the sheriff, in purchasing the property.

After the second auction, I found out that Wilmington Savings Fund Society purchased the property, and no further auctions were to take place. 
I continued to show interest in purchasing the property, however, no matter what method I used, I have not received a reply. 
On XX/XX/2023, I was contacted by a court representative stating the Wilmington Savings Fund Society has requested that I be evicted from the property. To date, despite my efforts, I have not been provided with the chance to discuss this issue with appropriate individuals. 
I do state again, my interest in discussing the current asking price for this residential property.
Consumer complaint received 2023-10-24
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: CAPITAL ONE FINANCIAL CORPORATION (PR)

My credit status is verified which showed me some that were not done which were the following capital one a debts {$470.00} that the account opened XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

Nationstar Mortgage purchased additional flood insurance for me, when they should n't have, this created an escrow account with a negative balance. I filed a complaint ( with you ) several months ago, and that It thought was resolved. I have received a letter from them that it was, however, I log on today to pay my account and it still says I owe {$34.00} in my escrow account. I spent 43 minutes on the phone with them being transferred 4 times, to be told by each person. " I no longer have an escrow account but I do owe the negative balance '' .... the last person I spoke with.. XXXX badge # XXXX said it was to have the escrow account opened and closed. I am shocked!!!! I told her " they opened the account and closed the account, why do I have to pay for that? '' She could n't answer me, she was going to transfer me again. I am exhausted with the amount of time i have spent on the phone with this company. Please HELP.