davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (OH)

On XX/XX/XXXX, I was on the phone for 2 hours trying to reapply for forbearance and was put on hold multiple times. The rep said she was putting me on hold discussing with a manager how to finalize. After 2 hours, the phone disconnected and nobody ever called me back so I have no update regarding my forbearance plan if approved or not and also therefore, I do not know that if not approved as to whether I am in default or not. 

Since XX/XX/XXXX, I have called multiple times in attempts to speak to a representative. Each time, I can never connect to a person. The automated system appears to be set up to never be able to speak to a live person. On a few of the attempts when I thought a person would answer, my call was immediately dropped. 

I have also received regular calls from Rushmore from an automated number with an automated message saying I need to make payments and to call the number in which is the same number that has called me. 

This company is operating extremely unprofessionally and risking me being in default of my mortgage. 

I also can not make any payments online as in order for me to access my account per the website, I am instructed to call in. 

I need immediate answers and a resolution for these issues as to status of my forbearance, default status, account access and contact with a human being. 

Rushmore has claimed that there is a 60 day waiting period due to switching services but I have been serviced by Rushmore for years which is also not true and has nothing to do with me never being able to make contact with this company!
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
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. (MO)

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 party. 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 2023-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (MI)

on XX/XX/2023, 21st Mortgage contacted me about a payment I was supposed to make. I was unable to make the payment and would have the funds by XX/XX/2023. 
The first rep XXXX wanted to adjust the payment date and called the supervisor to approve it. The supervisor XXXX came on the call and the sound faded. I apologized and said the call is fading and I can't hear you. She implied that I was lying about not hearing her. They both began interrogating me asking why I didn't make the payment as I said and that I am always late. I explained that I am not a child but a XXXX woman. She replied back that I am acting like a child. I asked to speak to her supervisor and she said she was the supervisor and there was no one to talk to. I have never been 30 days late and was made to feel less than. It was 2 against one they both ganged up on me and began verbally abusing me. She also mentioned that my file was flagged for being a difficult customer. I want to file a complaint against the reps that treated me in a very unprofessional manner. It is worth noting that the reps were XXXX  and I am XXXX XXXX. I assume because of this they could communicate in a disrespectful manner.
Consumer complaint received 2023-06-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TN)

I took out a Title loan in XX/XX/2023. Titlemax broke the loan into 2 parts. 1 part was a title loan and the second part was a flex loan. Both were {$2500.00} loans. I have made payments that started in XX/XX/2023 on the XXXX of the month ( Title loan ) and the XXXX of the month ( Flex loan ). Each month all payments have been made on time! Starting friday the XXXX day of XXXX Titlemax website has been down and the Titlemax cell phone app as well. Attached documents reflect that! I called the local office on XXXX XXXX to let them know the issue. On XX/XX/XXXX, I called the local office and ask why it was not fixed. I got a song and dance answer ... '' Our office is having issues as well ''. I can't view my account or make a payment using either the website or the cell app. The office suggested I pay over the phone. I asked " when will i get a receipt? '' Response was they will snail mail it to me. I have followed these payments for the past 3 months and I can not and do not have the ability to pay this loan off with the interest rates and fees that they are charging me. I am currently on Social security and have a limited fixed income. The interest rates were never discussed at the office when the loans were finalized. My flex loan monthly payments have actually risen each month and I have documentation to reinforce my allegations. How is that possible when I have made my past 2 payments on time. I was told the first 3 payments of each loan would be mostly fees and interest.3 % of the payment would be applied to the principal! Why is my loan payments rising each month of the flex loan if I am making payments on time? 
I would like to speak with someone about this matter. I called the local office again at XXXX on XX/XX/XXXX and got yelled at and told that she couldn't help me with the website issue and I asked for her district or regional/district mgr and she stated that could not give out that information and I responded well have them call me. Then she raised her voice and said that she didnt have time to mess with this and i responded dont talk to me that way, ,I will take it up with corporate and that I was done talking to her XXXX XXXX and hung up .I then called corporate office and got a no operator response and for me to leave a number and they would call me back., I am seeing a pattern of bad business practices and I feel I have been taken advantage of. Plz call me and discuss this.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (MD)

I did not make these inquires. I did not grant permission for these inquiries. It is likely that these inquiries are the result of fraud. I would like each company to provide written proof that I gave them my written permission to access my credit report. I have made an effort to resolve this where I have good contact number. Those companies have not been helpful. Instead, they have given me the run around. I have I contacted the credit bureaus and they send me back to the companies. This is extremely frustrating. 

Thank you.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

This bank mistreated me and my applications I applied for a store macys credit card and was denied also a secured credit card to rebuild establish my credit history with them they deny me and their also suing me for a Llbean credit card I had with them in the past they sent it to an attorney they refuse to work with me directly
Consumer complaint received 2023-09-22
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: U.S. BANCORP (MD)

I have a XXXX Credit Card under my business XXXX XXXX through U.S. Bank. 

Starting on XXXX continuing through at least XX/XX/XXXX my credit card was somehow used fraudulently to make a lot of purchases. I believe my card was stolen. It's possible I just lost it and someone found it and then used it, but either way that's stealing my card. The following transactions were the transactions made during this time : XX/XX/XXXX purchase XXXX XXXX {$24.00} XXXX purchase XXXX XXXX {$20.00} XX/XX/XXXX purchase XXXX XXXX {$20.00} XXXX purchase Target {$250.00} XX/XX/XXXX purchase Target {$250.00} XX/XX/XXXX purchase XXXX XXXX {$500.00} XX/XX/XXXX purchase G XXXX XXXX {$190.00} XXXX purchase XXXX! 
{$98.00} XXXX purchase XXXX XXXX {$800.00} XXXX purchase Staples {$500.00} XXXX purchase XXXX XXXX {$100.00} XXXX  purchase XXXX Point Steamers {$110.00} All of these transactions are FRAUD. I reported it to my bank U.S. Bank like you are supposed to if something like this happens. They initially credited the money back to my account, but then immediately reversed those credits the following day... I called and told them that it's fraud, and they must be making some mistake. I have done my part contacting them several times. I told them the situation and don't understand why they are putting these charges back on my account and telling me to pay them... I won't be paying these charges as they are FRAUD. Either way you slice it. I would like for the CFPB to reach out to U.S. Bank on my behalf and try to recover these funds before I have to sue them. 

Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, 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. (PA)

On XXXX - XXXX there was multiple inquiries on my consumer report which id like monetary value for since i never authorized. This is a result of identity theft and happened without my knowledge. 

XXXX ( Inquiry XXXX ) XXXX XXXX  XXXX ( Inquiry ) XXXX  XXXX ( Inquiry ) XXXX XXXX XXXXXXXX ( Inquiry ) XXXX XXXX XXXXXXXX ( INQUIRY ) XXXX XXXX XXXX XXXXXXXX The FCRA that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely reported of a known responsibility and ownership. I would like a physical original document of my signature giving to your company to furnish on my report.
Consumer complaint received 2023-11-27
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.
Consumer complaint received 2024-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (IL)

XXXX XXXX auto loan approx {$42000.00} from XXXX, XXXX  no payments reported to credit bureau after XX/XX/2022. I was made aware of the situation upon trying to trade my vehicle in and the dealership told me I could not trade a car in that does not belong to me. This was very emabarrasing and humiliating. The salesman said nothing is on your credit report showing you have a vehicle in my name. It was also a slap in the face considering my payment history was excellent but due to not being reported it was no help to my credit score. With that being said the request for the down payment amount could have been lessened or avoided altogether if I had proof of payment history on the auto loan from Wells Fargo.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I canceled a flight last year XXXX XX/XX/XXXX due to personal circumstances. I received an email from American Express stating that I would receive a credit to be used by XX/XX/2023 and it stated the credit amount of {$510.00}.
Consumer complaint received 2023-11-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-06
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: EQUIFAX, INC. (DC)

I am writing to express my grave concern regarding Equifax 's handling of a dispute concerning a XXXX XXXX hard inquiry on my credit report. Despite providing clear evidence from XXXX XXXX stating that the inquiry in question was designated for deletion, Equifax has inexplicably refused to remove it from my credit report. This blatant disregard for accurate reporting and the misrepresentation of conducting an investigation demands immediate attention and action from the CFPB. 

In my initial dispute with Equifax, I included a letter from XXXX XXXX that explicitly stated the hard inquiry would be scheduled for deletion. Despite this, Equifax chose to retain the inquiry on my credit report, citing it as a " factual record '' that would persist for two years. This action raises serious doubts about the thoroughness of their investigation and calls into question the integrity of their reporting practices. 

It is evident that Equifax has failed to conduct a proper and diligent investigation into the matter, as their decision contradicts the express agreement from XXXX XXXX to remove the inquiry ( Letter attached ). This lack of attention to crucial evidence and the inclusion of standard language in their response letter points to a deliberate attempt to avoid acknowledging the facts. 

I implore the CFPB to take immediate action against Equifax for misrepresenting that an investigation was conducted when it is abundantly clear that no such investigation took place. Credit bureaus should be held accountable for their actions and must be obligated to conduct thorough and unbiased investigations when disputes are raised by consumers. 

Furthermore, I kindly request the Equifax to provide me with a detailed description of the procedure it used to determine the accuracy and completeness of the information in question. I seek the business name, address, and telephone number of the furnisher of information that Equifax allegedly contacted during their so-called investigation. 

It is essential that the CFPB takes a firm stance on this matter to ensure that credit bureaus uphold their duty to handle disputes accurately and responsibly. Equifax 's refusal to remove the hard inquiry despite concrete evidence from XXXX XXXX warrants immediate attention and intervention. 

I urge the CFPB to place Equifax on notice for their questionable practices and insist on a proper and unbiased investigation into the dispute. It is imperative that the credit bureaus adhere to the highest standards of accuracy and transparency to protect consumers ' rights and creditworthiness. 

I am hopeful that the CFPB will take swift and decisive action in this matter, and I sincerely appreciate your attention to this important issue. Please find enclosed copies of relevant documentation for your reference. 

Thank you for your time and consideration.
Consumer complaint received 2023-11-24
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: SYNCHRONY FINANCIAL (MA)

In XXXXXXXX XXXX XXXX, I applied for a TJX Platinum Mastercard. A charge of {$44.00} was placed on the card at that time. After learning that my credit score decreased by nearly XXXX points in 2 months, I investigated to try and determine the cause. I discovered that the culprit was this {$44.00} charge from TJX that I had not paid, however, until that time I had not received a billing statement. TJX/Synchrony bank failed to send me any billing statements, and therefore, I was unaware of any outstanding balance and did not have any method of paying this bill. TJX admitted to me that they did not send billing statements and refunded all late fees, however, they reported to the credit bureaus that I am 120 days late on that bill. This action by TJX has severely and negatively impacted my credit score. I have never made late payments on any account before, and I had a very good credit score. I have attempted to dispute this with TJX multiple times, and I keep getting told that they are reporting accurately to the credit bureau 's.
Consumer complaint received 2023-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AL)

I paid XXXX on XX/XX/XXXX and another payment of XXXX on XXXX XXXX XXXX XXXX XXXX  never cashed checks and charged late fee. My bank said payment cleared the bank. So I had to have my bank re issue another payment
Consumer complaint received 2023-11-24
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. (MA)

Mr. Cooper is refusing to correct their mistakes concering my mortgage transfer. They are using deceptive practices. We are a new customer to Mr. Cooper and we were impacted by the cyber security attacke one day prior to our first payment being due. Mr. Cooper 's website and all online notifications, and a communication via mail ensured that we would not incurr late charges and that this would not impact our credit score.

The latest communication from Mr. Cooper ensures that we will continue to receive foreclosure notices