davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (TX)

I applied for a loan modification as I was having trouble bringing my loan current. I refinanced my mortgage in XX/XX/XXXX as I divorced and had to remove my ex-husband from the mortgage. I kept my loan at 15 years but payments increased from XXXX to XXXX. Also, took out cash to cover shared debt now in my name. 

Fast forward to XX/XX/XXXX, I had to pay XXXX for a new AC unit, {$5000.00} I was able to borrow from my parents & XXXX I paid out of pocket. I called Mr. Cooper in XX/XX/XXXX to say for this reason I could not make my last increased forbearance payment. I called back in XXXX asking to be reviewed for a modification. I submitted all documentation requested as referenced in the letter I received from Mr Cooper on XX/XX/XXXX. I then received a letter on XX/XX/XXXX saying that the mod was declined bc I didnt submit paperwork as requested, which contradicts letter from XX/XX/XXXX. 

I was told on XX/XX/XXXX by a Mr Cooper rep that my paperwork was received on time but never reviewed hence why I received the later. She then advised a case would be open for escalation and review. I called today to check the status, I was advised that I would have to submit an appeal. An appeal for something that wasnt my error and time clock to restart. This doesnt seem fair. She then advised they have until XX/XX/XXXX to review the case details. 

I really need assistance with my payments currently due. I also spoke with the refinance dept on XX/XX/XXXX about extending out the terms of my loan to possibly a 20 year mortgage or more. I was turned down by the refinance dept but told to inform the mod dept that I exhausted this option with them and to possibly consider this option.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (OR)

Unfortunately in these times, my XXXX plus hour a week job does not make ends meet. So I also work as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for supplemental income ( in addition to my full time job ). I have been doing this now for about two years. Out of the blue on Tuesday, XX/XX/2023 and Wednesday, XX/XX/2023, this fraudulent " background check '' company, Checkr, falsely reported me to two different XXXX XXXX that I receive income from that my driver 's license was suspended, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I went to the Oregon DMV, XXXX, Oregon on XX/XX/2023. I was informed by the actual DMV that my license was NOT suspended. The agent who assisted me also verified this with one of their colleagues. I was then informed that not only was the background report that I showed them inaccurate, that checkr was not an authorized website for providing driving records. Not only is this website inaccurately providing false information about me, they are not even authorized to do so. This false reporting has caused me financial harm, as both of my apps will not let me deliver as long as this false information is on checkr 's unauthorized report. I want this incorrect reporting removed immediately, this company shut down and fined to the maximum for their actions.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Waypoint Resource Group, LLC (CA)

I never opened this account. I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 


No Response from company WAYPOINT {$130.00} XXXX Suggested Account # XXXX Status XXXX Original Creditor XXXX XXXX Creditor Type XXXX XXXX XXXX  High Balance {$130.00} Open DateXX/XX/2023Last Reported XX/XX/2023 Remarks Account information disputed by consumer, meets FCRA requirements Completed XX/XX/2023 Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


I Previously Disputed This I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries AFFIDAVIT Notice, it is a fact, XXXX  is aware, THOSE inquiry ARE unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). REMOVE INQUIRIES BEFORE I take legal ACTION
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The name below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name- XXXX XXXX XXXX. They 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. 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 2024-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX has repeatedly billed me for a {$50.00} copay that was collected by their employee at the XXXX location on XXXX XXXX in XXXX XXXX XXXX. This was for a XXXX XXXX XXXX XXXX XXXX  and my XXXX XXXX XXXX XXXX XXXX XXXX XXXX covered most of the cost but their employee said there was a {$50.00} copay that we could pay her or get billed for ( NOT BOTH ). So we paid her {$50.00} cash because her XXXX XXXX was " down ''
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Incorrect and untimely billing statements : I currently receive paper bills from Macys, but I make payments online through my Macys account. I have noticed over the last year that my payment dates have been mixed up but thought maybe it was just me mixing up dates. 

In XXXX I received my paper statement from Macys with a payment due date of XX/XX/2024. I made a note of the due date and I went in to make a payment on XX/XX/2024 only to find that the due date showing online was XX/XX/2024, which caused confusion. 

This has happened multiple times over the last year which has caused me stress, late payments and incorrect credit reporting that I have made late payments. 

Macys needs to issue correct statements that match online and through mail. I typically shred my statements after I make note of the due date since I make payments online.

These practices directly harm consumers who are already dealing with inflation. Paying late fees and getting incorrect credit reporting is very harmful.

Please investigate this further and demand that Macys do the right thing and correct its billing statements and issue refunds to consumers who have been harmed with late fees and negative credit reporting.
Consumer complaint received 2023-12-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Specialized Loan Servicing Holdings LLC (IL)

I received a payoff quote for {$25000.00} that would need to be paid by XX/XX/2023, to avoid the payoff amount changing. I paid the entire amount off in full but now the company is attempting to charge me an additional XXXX  because they applied the funds incorrectly. They need to make my account " XXXX '' and send XXXX XXXXXXXX to XXXX XXXX. It is paid in full and they need to honor this. I have called multiple times and keep getting put on hold endlessly or told that someone would call me with a resolution and never receive a call. 

I am concerned that they will affect my credit and that the loan will remain open, when I have paid this in full.
Consumer complaint received 2023-12-16
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NH)

I have a credit card with COMENITYXXXX XXXX and paid my balance off in XXXX of {$99.00}. When I received my XXXX statement, I had a service charge of {$2.00} that I thought was an error, so I ignored it. I bought a shirt and when I received my XXXX statement, I was charged an additional {$2.00} and a late fee of {$2.00} with the {$2.00} fee from XXXX. I was never informed that COMENITY XXXX XXXX XXXX was going to start charging a service fee for use of their credit card.
Consumer complaint received 2024-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

Westlake Portfolio Management has made false statements about giving me my previous account number from U.S.Auto and they did not give accurate information. Westlake Portfolio Management has falsely made a statement saying that the confirmation number that was given to me in a recorded call conversation, was my account number from my original account and that is inaccurate and misleading information. Westlake Portfolio Management does not have my original contract and they have not sent me any Validation upon my request via postal mail nor have they honored the cease and desist inside of the certified letter that was mailed to Westlake Portfolio Management. Westlake Portfolio Management failed to provide Validation within the allotted days/timeframe including in the XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

on XX/XX/2023 i reported several fraud transactions after our bank account was hacked. there were XXXX e withdrawals, a large transfer and a cashiers check taken out at a local branch by someone who stole our account information and ultimately my identity. the transactions all took place within a matter of minutes. i immediately filed claimed with wells fargo for each of these fraudulent transactions. the e-withdrawals and transfer were resolved within a matter of days but the cashiers check case has been denied XXXX times. i have since filed a police report and provided ample proof that this was a case of fraud but the bank refuses to replace the missing funds. i am attaching the amount as well as the police case number. we bank with wells fargo. the amount taken was XXXX on XX/XX/2023 at approximately XXXX XXXX  at a branch in XXXX nc. the police case number is XXXX the detective assigned is XXXX XXXX and his contact is XXXX ( XXXX ) XXXX.
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MS)

I.C. System, Inc account number XXXX is trying to collect a debt from me I sent them a letter on XXXX for the original purchase Agreement to show that they can legally collect this alleged debt proof that the debt was assigned to them like the bill of sale an assignment or a receipt between them and XXXX.I.C.System, Inc is the creditor reporting inaccurate information on my credit report.I.C system, Inc should have sign documentation between me and them. So if they cant provide me with these documents l ask them to delete this account immediately as its damaging my credit rating. I no account with I.C. System and if I have an account with XXXX am not saying I do I never gave them permission to sell the debt to I.C.System, Inc.I.C system have 15 days to provide me with documentation I ask for if not I will file a lawsuit against them for damages and defamation of character.
Consumer complaint received 2022-12-09
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2022 XXXX XXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/2022 XXXX XXXX XXXX XXXX/XXXX/2022 XXXX XXXX/XXXX/2022 XXXX XXXX/XXXX/2022 XXXX - XXXX XXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/2022 XXXX XXXX XXXX XXXX/XXXX/2022 XXXX XXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/2022 XXXX XXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/2022 XXXX XXXX XXXX XXXX/XXXX/2022 XXXX XXXX XXXX XXXX XXXX/XXXX/2022 XXXX XXXX  XXXX XXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX/XXXX/2022
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank is routinely giving us problems accepting cash transfers into our account from such applications as XXXX, wherein we constantly get messages that Chase Bank is either refusing or reversing the monies transferred there, thus forcing us to transfer our money into our bank account that we are trying to walk away from, XXXX XXXX. The most egregious aspect of Chase is that their employees such as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others keep telling us to " fund the account '' otherwise we will have problems, such as refusals of merchant services or premature closure of our account. Please investigate and advise.
Consumer complaint received 2023-08-26
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. (NV)

On XX/XX/2016 My information was used fraudulently to open a car loan with my personal information. The thief stole my info and opened this auto loan and I have not given anybody authorization, I dont know how my information was stolen, and I dont know who the thief might be. Please process a block on these accounts its outrageous!
Consumer complaint received 2024-01-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MN)

Mr. Cooper bought my loan XXXX years ago. Ever since then, I have tried to get my condominium home insurance escrowed into my loan, my insurance company would send them all of the documents necessary to get my insurance escrowed in but Mr.Cooper refused to escrow my insurance policy in and not pay my insurance company causing them to terminate my policy. I have called both my insurance company and Mr. Cooper both last year and this year to fix the problem, but it hasnt gotten fixed. It has been XXXX years in a row that this has happened and now Mr.Cooper is threatening to charge me with fees and other charges for this issue. I dont know what to do anymore, I cant get a hold of any of the folks that I talked to from Mr. Cooper that said that they would help me fix this recurring problem and assured me that it wouldnt happen again, but its happening again and I don't know who to call. Please help me. I am a single mother just trying to make it through, day by day, and I cant find a solution for this problem. I cant afford to pay for a whole years worth of insurance in one payment.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have inaccurate addresses on my consumer report ( XXXX, EQUIFAX AND XXXX ). I want these addresses and accounts moved as soon as possible. I also have collections account on my consumer report that are inaccurate. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-05-03
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. (GA)

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-04
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (IL)

Starting in XXXX my mortgage was put on the CARES act forbearance due to financial struggles. My credit score dropped by XXXX points because of this. The CARES act provides protections against negative impacts on credit scores due to forbearance. I have contacted my mortgage company multiple times regarding this issue and it still has not been resolved.