davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (AL)

Made a payment on Mortgage in XXXX. Mr. Cooper took out four times the amount we authorized causing our bank account to go into the negative. After several phone calls, they admitted to the mistake and decided to refund all the money instead of just what was not approved. Made a new payment after we got the money back. Confirmed the payment went through. Mr. Cooper calls me a few days later and wants to make sure all is good. I asked them are we up to date on payments and they said yes. A week goes by, they email us saying we are overdue on payments. My wife calls and they tell her that we owe them money. Even with a confirmation from their website the refuse to acknowledge we have made our payments and to send over bank statements that prove we paid them. I have sent them over but I am very displeased how they are handling my money. That little mistake caused me to have no money in my bank account for almost a week. Not to mention they show no remorse in their wrong doing or even want to try to solve the problem in a timely manner. The next day talked to them at lunch. Showed them proof that we paid through bank statements and even have statements from them showing payments are up to date. They refuse to acknowledge this. Claimed the bank had locked them out from receiving money from my bank account. Put them on a conference call with the bank. Bank tells them multiple times there is no lock and the payments went through and Mr. Cooper still will not cooperate. They claim they never got my email with the evidence and wanted me to send it again saying it could take up to 30 days to figure it out. This is unacceptable and I refuse to allow them to tarnish my good credit and standing because they want to drag their feet. I won't even be able to pay my XXXX balance if they continue because they will try to apply it to the so called missed payment. This is nothing short of theft. I am very upset that a company like this is allowed to operate and take money and turn around and say no you didn't pay us. Mr. Cooper is an embarrassment to professional businesses and they need to be held accountable for their dishonest, incompetent, and downright greasy behavior.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NH)

I was set up in a payment plan with XXXX. These payments were schedule for one year in advance. At the end of the first year, we thought we were setting up the next year. Turns out there was a payment gap. When this was set up again, no one from XXXX  informed us that there was a gap and past due amount at the time. Nothing reflected this in the conversation or online. We set up a new annual payment plan which has been coming out for the last 10 months. Same payment and same date every month. XXXX failed to notify us of this and continued to report the payment 60 days late since XXXX of XXXX. I did not find this out from XXXX, but from the credit bureau. XXXX refuses to show what correspondce they have sent to try to notify me of the error. They never reached out via phone or email with the payment being missed or with any statements. They are refusing to remove the late payments despite me immediately correcting the mistake once I found out. I tried to elevate multiple times and have been hung up on by the company despite my calm demeanor.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023 A fraudulent criminal made several transactions one for {$2000.00} one for {$1900.00} and one for {$1900.00}. They also raised my daily limit to {$7000.00} without my permission. Wells Fargo texted a confirmation to me of which I denied stating it was fraudulent. I then spoke to a Wells Fargo representative, requesting that all transactions be denied. This was not done. The transactions were approved, and Wells Fargo has continued to deny my request for reimbursement of the funds. I have screenshots of text messages, denying these transactions. At the same time I also had fraudulent activity for several smaller charges totaling XXXX along with alerts from Wells Fargo and XXXX that my identity had been compromised. Wells Fargo has continued To deny my request for reimbursement and has failed to address any of my transaction disputes.
Consumer complaint received 2024-06-28
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. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2023-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (MI)

Spring oaks capital LLC. Has stolen my personal information. I have no contract with Spring oaks capital LLC. and I have never given them any personal information of mines. How did they obtain my personal information? Spring oaks capital LLC is reporting illegal and unauthorize personal information on my credit report. Spring oaks capital LLC is using my stolen personal information to take me to court under false pretenses. What laws were used to get my personal information and file a lawsuit on me for an alleged debt that is already paid for? I the consumer have given Spring oaks capital LLC Notice letters of dispute, Opportunity to cure and opt-out request. Spring oaks capital LLC refuse to perform based on law. Spring oaks capital LLC. Continues to use stolen personal information in misleading and deceptive practices. Who authorized the selling. Sharing. or reporting of my personal information? I the consumer did not consent to this. Yet I continue to harass with illegal reporting and court cases that I never agreed to or authorize this use of my personal information.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Hello, I have tried several times to deal with the customer service reps to no end. 

My credit report is being affected by wrongly reported lates. Account XXXX is being reported late in XXXX, XXXX and XXXX. XXXX ( which is paid off ) is being reported late for XXXX, XXXX and XXXX of XXXX ( in which a XXXX payment was made on the XXXX ). but I am not being credited with a {$200.00} and a payment that was retried and successful from my account on XX/XX/XXXX. It is only showing reversed in your records on XX/XX/XXXX so technically the payment was made on time. 

Also, in XXXX being reported late but I made a XXXX payment on account XXXX and XXXX on XX/XX/XXXX. Also on XX/XX/XXXX and XX/XX/XXXX payments of XXXX were made and successful. on account XXXX on XX/XX/XXXX a payment was made and successful for XXXX and XXXX on the XXXX. So the late in XXXX and the late in XXXX are incorrect as I am also not having the XXXX payment on XX/XX/XXXX reflected as paid. I need to have these lates removed from my reports as they are incorrect and payments that were retried were not recredited to my accounts. I do believe there were more retries that we done and never credited to my accounts as well or put on the wrong accounts. I have been a long-standing client and would like to continue to be but these errors are affecting my credit rating and I was not late as payments are not being credited correctly. I see many complaints on here of the same issues from other people. SO this is a trend with this company. I am attaching all my bank payments to XXXX  here. Not all have been credited to my accounts and were marked reversed when they were not. I never had any lates before on my XXXX XXXX card accounts.
Consumer complaint received 2024-06-07
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. (CA)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 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 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
Consumer complaint received 2023-10-27
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : 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 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple XXXX  issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on XXXX occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (TX)

XXXX XXXX This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. Please delete account XXXX XXXX XXXX XXXX XXXX  for violations of FCRA XXXX XXXX for RE : Insertion of Account with no notice within 5 days of Re : Insertion. XXXX XXXX is violating specific laws continuously 15 USC 1681 ( XXXX ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX, XXXX, and Equifax are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( XXXX ) ; 15 USC 1681 ( i ) XXXX ; 15 USC 1681 ( XXXX ) ( B ) I have included copies of credit reports to show that the accounts have been reinserted. 

This is a last ditch effort. I have filed multiple complaints with the XXXX, CFPB, and, Equifax, XXXX XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIRST NATIONAL BANK OF OMAHA (CA)

XXXX - I requested account closure. XXXX - Login capability and account disappear, no communication from bank. I request clarication via in-app chat. XXXX - Receive email saying account was closed and remaining balance sent via ACH to account on record. I respond advising that the account on record was closed and to send money to my address via check. XXXX - XXXX I send XXXX more emails requesting a response inquiring about my money. XXXX - Receive response saying money will come back to XXXX within a few days since the recipient account was closed and a check will be sent to me. XXXX - I email requesting an update. XXXX - I receive a response that XXXX has my money and will send a check soon. XXXX - I email asking for an update. XXXX I send XXXX more emails asking for an update. XXXX - I am against told a check will be sent out soon, I demand a date since the same thing was said XXXX weeks before. I am told it will be sent " tomorrow. '' XXXX - XXXX - I send XXXX more emails demanding return of my money and conrmation a check was sent to me. To date I do not have my money, nor any apology or explanation for how poorly this has been handled. XXXX is a sham institution and should be shut down. I have interacted with " XXXX '' and " XXXX '', likely pseudonyms, and still do not have my money. On XX/XX/XXXX, after advising the bank complaints had been filed with the Federal Reserve and Office of the Comptroller of Currency, I received another response the time admitting no check was sent XX/XX/XXXX, but claiming it was mailed on XX/XX/XXXX. It is now XX/XX/XXXX and I still do not have my money or an adequate explanation of what is happening. This is theft plain and simple.
Consumer complaint received 2024-08-30
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. (GA)

I have been sending letters since last year requesting that the information from XXXX XXXX be verified and updated on my credit report due to all 3 credit bureas reporting different information. When I initially made the request, I asked that they send me the proper documentation to have for my records showing the information was either updated of removed from my credit profile. I received nothing other than a letter stating the information was validated and will remain on the report. I pulled my report recently and noticed the information was slightly updated but was not done so correctly. There are several violations within the information that is being reporting on my credit profile from XXXX XXXX. I will be providing 2 copies of my credit report just to give you a visual of the changes that were made but are still invalid. For example XXXX is reporting the account was opened on XX/XX/XXXX. However, XXXX and Equifax are reporting the account was opened on XX/XX/XXXX. Also XXXX and XXXX are reporting the balance owed is {$7800.00}. While Equifax is reporting the balance owed is {$7900.00}. XXXX and XXXX are reporting the account is a repossession, yet Equifax is reporting the account as XXXX 120 days. XXXX and XXXX are also reporting the last day active as XX/XX/XXXX, while XXXX is reporting the last day active as XX/XX/XXXX. Even down to the 2 year payment history, the information is all over the place. I have been contacting the company, the credit bureaus and still have not received any proper assistance. This account is affecting my financial ability to obtain new credit. Which is causing issues in my every day life. As a consumer I have exhausted all of my options to get this matter rectified. I am requesting this account be removed from my credit report.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-22
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.