davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

Mr. Cooper recently inquired my loan, I had damages to my home from hurricane Idalia on XX/XX/XXXX just a few weeks prior of me purchasing my home on XX/XX/XXXX. I had damage to my roof and water infiltration through my windows and glass sliding doors. I had to file a claim with my insurance company XXXX XXXX at the time. They paid to have the roof replace in its entirety that work was completed in XX/XX/XXXX. It has taken me a year to get approval for a full replacement of my windows and glass sliding doors after numerous contractors would not just fix around the frame as previously recommended by XXXX due to corrosion around the metal frames, it was recently approved for a full replacement and a check issued for that cost with the contractors estimate. I was advised to mail in the check and that Mr. Cooper would endorse it and release the full funds to me to get the work done. I am now being ask to download the claims paperwork on numerous times to a site that does not allow me to check my claims status and only has me call in to find out the status. On numerous occasions I get a representative from Mr. Cooper that I am unable to understand their English with a language barrier I ask to speak to a manager who to my surprise turns out to be the same employee disguising their voice. I continue to receive miss information on my claim and moreover now I am being told they will release partial funds to get the work done and then an inspector will come out. I unfortunately need to pay for the windows all upfront {$23000.00} so they can order the windows and have them installed in 2-3 months something I am trying to have done prior to XXXX. I cant pay for 30 % of the windows have them partially installed and have a bank inspector come out to approve it then they release another portion and go on like this for another year meanwhile my home continues to get water infiltration when it is forced wind rain that happens repeatedly in Florida. I need all the money Released in full to pay the invoice in full to be able to order the product and meet deadline.
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (LA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have spoken to this agency and sent emails to them the latest was on XX/XX/year>. In which I requested the following information and/or answer the questions below : 1. To whom do you think I owe this debt and what amount do you claim I owe?

a. Provide the name, address and account number for the original creditor, in addition to the amount owed.

b. If this debt started with a different creditor, please also provide the following : i. Provide the unique Registered Account identifier ( XXXXXXXX XXXX ) that was assigned to this account by the XXXX and the IRR Report ( Initial Registration Report ) ii. Provide the accountlevel Chain of Title Report that shows the history of this account, referencing each previous XXXX  and transfer, from registration to the current sale or placement and the TOR Report ( Transfer of Ownership Registration Report ) iii. Provide the AHR Report ( Account History Report ) for this account NOTE : Any and ALL assignment ( s ) must clearly establish that my account was included in said assignment. A general assignment of accounts will not/does not satisfy this request.

2. Please provide a valid basis for the debt, such as the original contract between me and original creditor.

a. Provide the date the debt became delinquent and the date the last payment was made.

3. Provide a copy of the last billing statement from the original creditor.

a. If any fees or additional interest charges have been added to that statement, b. Explain how those fees or additional interest charges are permitted, either by the original contract or by law.

4. If any payments were and/or have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item.

5. Please confirm whether your agency has a debt collection license in Virginia?

a. If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license.

b. If you do not have a license, please explain why.

They DID NOT answer questions 1.b.i, 1.b.ii, 1.b.iii, 2, 3, 4,5.

Furthermore I confirmed that this agency does not have a license in the state of Georgia to collect on ANY collections accounts for ANYONE.

I also verified this information on the https : //nmlsconsumeraccess.org/ website. The report is also attached. This agency is attempting to collect a debt ILLEGALLY. They must delete this account from ALL credit bureaus under my consumer report.
Consumer complaint received 2024-05-21
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. (MD)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NY)

Transworld system INC start a reporting a collection on my credit report & reported that I open an account XX/XX/XXXX, and I owe a balance of {$790.00}. 

On XX/XX/XXXX. I wrote a letter to that company asking them to please validate this debt as I never did business with this company and don't have any unpaid accounts as of XX/XX/XXXX. 

The company failed to reply to my inquiry within the 30 days timeframe. I then wrote a second letter on XX/XX/XXXX, showing proof of my previous letter and ask them to please show proof that this debt belongs to me under the fair debt collection practice. I have a right to request validation of a debt that a company is saying I owe. The company still Failed to respond to my letter and validate my debt. I reached out to the credit bureau asking for their help, and they also failed to do the due diligence and just stated that the debt was validated with no proof. I even submitted proof that I did in fact, wrote XXXX letters to Transworld. 

With growing frustration and my need to get this negative inquiry off my credit report, I reached out to Transworld and ask them to validate the debt. They said that they can not validate the debt and that I owed debt. I asked them well since I don't debt, I'm willing to pay {$350.00} settlement on a debt that I don't owe. On XXXX the rep I spoke with agreed. On XX/XX/XXXX I sent a money order to this company and then as of XX/XX/XXXX they return the money order saying that it was a miscommunication and they still don't have to validate the debt And I owe {$750.00}. This company it's very deceiving unethical you can never speak to the supervisor most of their representative do not have a clear understanding of what's going on because the service is outsourced. 

I have yet to receive proof that I owed is debt and although I try to clear it off because it is ruined my perfect credit rating and is delaying the process of me closing on my first home. 

Why is this company allowed to illegally report and try to collect on the debt and also be deceiving in the process. This info is incorrect and illegal
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I signed up for this XXXX XXXX XXXX card. What a mistake. 

They charged me XXXX for the year - and they destroyed my credit. I paid all of my bills on time. One month, I returned a large item and I had a credit on my account. So the next month, I didn't need to pay. WITHOUT telling me, they sent me a check in the mail. Since I didn't check my account that month, and because they treated the check in the mail as a credit to me, my account was 30 days late. 

Citi bank will not help out. All three credit bureaus have done nothing to help.
Consumer complaint received 2024-05-21
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. (IL)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-07-01
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. (TN)

I noted a lower credit score before I applied for a business loan. I investigated and found that info on several late notices from XXXX XXXX XXXX XXXX did not seem to be mine. Address was unknown and name unknown. 

I mailed this concern to credit bureaus and BankXXXX XXXX XXXX has not responded properly nor has the 3 credit bureaus responded at all. 

I do expect this to be taken off
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (MO)

Upon reviewing my credit report I noticed some unauthorized inaccurate discrepancies on my credit report. 15 U.S.C. 1692c ( c ) states if a consumer notifies a debt collection company that the consumer refuses to pay the debt collector the debt collection company must cease all communication. Law 15 U.S.C. 1692cc prohibits debt collectors from communicating with third parties in connection with the collection of any debt. A debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known. This is a notification letter to the following debtor. No type of payment will be made on this unlawful debt. I request that the following debtor cease all communication. Account : ( Nordstrom TD Bank ) XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
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)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account XXXX : XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit.
Consumer complaint received 2024-09-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I submitted instruments as tender of payment to the financial institution. Institution refuses to honor let alone comply and adhere to established laws.

I also am asking the institution if they collateralized the auto loan notes?

Did they sold or transfer the auto loan notes at any given time and if so, why wasn't I aware of the disclosure?

Will they swear under oath under penalty of perjury or affidavit of truth that they lend the money to me as the borrower? Also, that federal reserve notes is the only valid medium of exchange to tender payment of this alleged debt? Please provide the response under oath or affidavit of truth. Please provide the law or code you are using for the claims that you making. 

Please answer each one under oath
Consumer complaint received 2024-07-26
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: SYNCHRONY FINANCIAL (KS)

I was scammed in XXXX I informed paypal credit of the problem and filed a dispute. Paypal found in my favor and within 3 weeks posted new debits back to my card for same amount. I asked why they said they don't know, all the information I provided to them they said they don't have and After numerous requests have sent me nothing showing their investigation. I have sent copies certified mail so they can't say they don't have my information. They are a pain XXXX XXXX XXXX and stonewalling me.
Consumer complaint received 2024-07-21
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 (AL)

I made a {$730.00} purchase in XXXX that resulted in the company charging me for items not received. I disputed this charge with Synchrony Bank and won the chargeback. Synchrony Bank issued too many credits and made adjustments for me to pay those credits back XX/XX/XXXX. I agreed and paid for the adjustments added to my statement. The issue is PayPal is saying I still owe {$270.00} for this transaction that never originated through them. I have documented proof of a XXXX balance with my credit card company. Synchrony has received money not owed to them and refuses to send it to PayPal to clear my account. I have lost use of my account and can no longer see any pertinent information.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

The bankruptcy court of Tn has no stated that they did not give out my personal information to be reported. The information and date of bankruptcy is inaccurate this bankruptcy is 8 years old. I want it removed from my report.
Consumer complaint received 2024-09-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On XX/XX/year> this truck was only XXXX at first site I paid over XXXX down payment which is against consumer transaction law code truth in lending act they went against 15 c Us 1662B there isnt or wasnt supposed to be no down payment no cash involved in a consumer transaction. THEY ALSO REPO THE CAR AFTER I GOT IN A BAC ACCIDENT THEY TOOK THE CAR WITH ALL MY PERSONAL ITEMS IN IT AN NEVER REACHED OUT TO RETURN IT PLUS THEY SOLD THE DEBT TO A LAWYER THAT CALLLED ME ASKING FOR A LOWER PRICE AND THEY WILL REMOVE THE FULL BALANCE THIS IS ALL FRAUD XXXX THEY PASSING MY INFORMATION AROUND WITH OUT MY PERMISSION
Consumer complaint received 2024-09-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp. (CA)

On XX/XX/year>, I used XXXX XXXX to transfered USD {$XXXX} to XXXX. After few days, I was told that this transaction was canceled. I called XXXX and asked for the refund. They requested me to provided my transaction number, phone number, and home address. They said they will refund the full amount to me within 30 days. I waited few months, and I did not received the check. On XX/XX/year>, I submitted a complaint online with the XXXX, but I still haven't receive any response from XXXX. So I am trying to file a new complaint with the CFPB, I hope the cfpb could help me to get my money back.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (CA)

Complaint XXXX case number has been closed since the company provided a response. Complaint XXXX case number has been closed. The responses are in fact lies. To date, XX/XX/XXXX no access to digital data is available. I have made multiple calls, met with the branch manager of the XXXX location 2 times and have been told the data is still not available. I have filed multiple compIaints in which NFCU has not provided any details or resolution. I verified this again today by logging in and the digital data is not available. I was told by several members of the digital team that this is a wide known issue at NFCU and they are working to resolve. THIS IS NOT RESOLVED. I HAVE NO ACCESS TO MY DIGITAL DATA ORIGINALLY REQUESTED ON XX/XX/XXXX. I have attached screen shots of my digital pages, taken today, to show the data is not available. NFCU stated 90 days of data is available at a time which I have always complied with in gathering digital data. I attempted to download from XX/XX/XXXX - XX/XX/XXXX. As evidenced by the screenshots, " No transactions found. Try adjusting your filters or search term. '' I attempted to download data from XX/XX/XXXX - XX/XX/XXXX. As evidenced by the screenshots, " No transactions found. Try adjusting your filters or search term. '' NFCU continues to mislead all organizations, credit union members and business organizations by providing false narratives and blocking members from digital data. Please advise. 

This complaint will continue to be pursued since no resolution has been provided by NFCU to retrieve electronic transaction detail as requested on XX/XX/XXXX. Telling the members we are provided all details on a hardcopy statement is not a resolution in any manner. I will continue to pursue my electronic data until I am provided this information. Advise immediately
Consumer complaint received 2024-09-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (VA)

I changed my homeowners insurance policy in XXXX. I have called, emailed, once a week since then. I keep getting the same undelivered promises. No calls me back, My mortgage is still the same and they keep telling me they are going fix it. Also PMI was supposed to end in XXXX and I'm still paying that even though I've called for 2 months now! I don't know what do. We are overpaying ... and no one will fix it!
Consumer complaint received 2024-08-03
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. (TX)

I have two hard inquiries on my credit report that I did not approve. One is XXXX The other is XXXX XXXX XXXX XXXX I need my accounts protected immediately.