davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-13
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Mobiloans, LLC (TX)

I received a loan in about of {$1000.00} around XX/XX/XXXX. XXXX my first payment towards the end of the month for XXXX. And ever other month til now. I paid back the loan and than some. I paid to them over XXXX and my balance is still sitting at XXXX I 've called them and they basic said told me, that 's just the way it is. So I 'm going to be paying {$2000.00} and something for a {$1000.00} that makes no sense to at all. I feel like this company takes advantage of people. This company has put me in a deeper hole than I already was in. I 've been having to make {$300.00} payments each month..
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NJ)

A copy of this same complaint was sent to Sunrise Collection and now to your agency, XXXX and the Consumer Financial Protection Bureau. Sunrise Collection insists on an XXXX XXXX XXXX XXXX account in my name with a XXXX, Indiana address although I have absolutely no knowledge of any such account as I have never been to Indiana much less lived there. Despite repeated efforts to explain this to Sunrise Collection they insist this account was opened XX/XX/XXXX reaching collections on XX/XX/XXXX. If fraud, they can not re-open the account and urged me to contact the three credit agencies to achieve a correction and then they hang up on me. Only XXXX has declined to clear my record and restore my credit rating as you wrongly refer back to Sunrise which provides the same false information. Beyond repeating I have never had an Indiana account or lived in that state I have no understanding of what other proof you seek. Clearly, Sunrise, as a collection agency, seeks only collect money irrespective of the truth.
Consumer complaint received 2024-03-25
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. (AL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a complaint earlier this XXXX about addresses being incorrect on all of my reports ( XXXX, TransUnion, XXXX ). Instead of updating the address on the reports, I received a letter from CFPB stating that the complaint was submitted by someone not me even thought I supplied identification in the complaint as an attachment. Please make the corrections as asked before because I don't know who the other addresses belong to. I needed this done XXXX XXXX ago.
Consumer complaint received 2023-07-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (SC)

Loan # XXXX I applied for a loan modification on XX/XX/XXXX and sent all docs in. My servicer advised per their web portal that i was missing A document so I sent the document and they received it. As of today those documents are still pending for review 20 days latter. I received a complete acknowledgement letter date XX/XX/XXXX. I spoke with a escalation rep on a number of occasion and on XX/XX/XXXX he said I needed another check stub I sent it the same day and by the way they never sent me a letter requesting documents on XX/XX/XXXX that was just what he asked for. As of today my documents that were sent on XX/XX/XXXX have not been review. I asked for a manager and he said there was no one higher than him. Again I have the complete acknowledgement letter that stated my application was deemed complete on XX/XX/XXXX so they have until XX/XX/XXXX to be finished but they have not even looked at docs yet I will screenshot the portal page and attach the complete acknowledgement letter.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

My card was stolen and multiple transactions were made. I contacted The Branch bank and trust they denied my dispute and i called the merchants some of them sent me signed receipts and some didnt not and advised me to file a chargeback with bank. I have police report and my bank still denied my claims.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I sent the bureaus a letter back on XX/XX/2023 requesting information but they never sent me what I requested. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 


1. XXXX  XXXX XXXX. & XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX XXXX & XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (GA)

Found this card in my husbands things after his death. Called to inform them in XX/XX/XXXX that this was not opened by me and I did not authorize My spouse to open this account. Letter sent to Customer Service/Fraud unit on XX/XX/XXXX
Consumer complaint received 2022-11-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent a letter to Experian, XXXX, and XXXX on XXXX XXXX XXXX It has been well over 30 days and still have not gotten any reply. According to 15 USC 1681 ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. THIS IS A VIOLATION OF MY RIGHTS. 

The letters were mailed out certified : Experian Certified Mailing Tracking Number : XXXX XXXX Certified Mailing Tracking Number : XXXX XXXX Certified Mailing Tracking Number : XXXX I've attached the letter sent out to all 3 Credit Bureaus. 
All letters were signed and sent with my Government ID and Proof Of Address.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

Opened and utilized an American Express Blue Cash Preferred credit card ( account ending : XXXX ). Earned a promotional account opening bonus of {$350.00} after meeting a minimum spending requirement within a specified time period. After almost one full year, I decided to close the account. At the time of account closure, the chat representative stated : " Cancelling your account will result in your forfeiting any earned cash reward. Would you like to proceed with the card cancellation? '' I understood this to mean that any accumulated reward dollars earned from purchases but not yet claimed would be forfeited. Since I had no outstanding reward activity to claim, I proceeded with the credit card closure. Nothing was stated indicating that the initial {$350.00} account opening bonus would be reversed if the credit card was closed within the span of XXXX year. To my astonishment, several weeks following official account closure, I received an email stating that a {$350.00} statement credit reversal had posted to my closed account ( on XXXX ) and that I was liable to make the payment within 30-days otherwise interest charges and associated late fees would accrue. I contacted the company to resolve this issue and the chat representative/supervisor informed me that the possibility of account promo reversal was detailed in the fine print of terms and conditions. I conveyed to the representatives that I was never informed of any minimum time limit requirement, either during account opening or account closing. Nevertheless, I agreed to re-open the account to meet the one-year time frame. The supervisor agreed to submit the request for promo reinstatement to the company 's back office. Upon account re-opening, the company changed the credit card account number ( new card ending : XXXX ) and subsequently charged an annual {$95.00} maintenance fee. The account remains open and active but the promo credit has not been reinstated.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

XXXX bank, chase, and XXXX XXXX prompting me for my credit cards in XXXX XXXX on my XXXX. When i call to fix they advised my cards arent being used for XXXX XXXX. Yet my XXXX wont let me add cards to my account due to the fact the accounts are closed
Consumer complaint received 2023-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Chase Bank regarding a financial transaction that caused me significant financial and psychological harm. 

Please see the attached PDF file containing all relevant documents and evidence
Consumer complaint received 2023-07-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I was contacted regarding a remote job. Asked to download XXXX app for interview. I was interviewed and offered the job. I looked up the company and it was a legitimate big company. I was sent a check to deposit. I called my bank Fifth third the next day to ask if the check was cleared. I was assured it cleared and the funds were put in my account. I was asked to XXXX money {$1000.00}. Which I did and there was no questions about it. I also bought XXXX XXXX for the software to be uploaded to the XXXX XXXX XXXX  they were shipping me. The check was for XXXX. The next day they deposited a check for {$4700.00}. At this point I was getting suspicious and started questioning them. I immediately called the bank again twice and was reassured I had nothing to worry about that the funds were cleared. I did not do anything with the {$4700.00} just left it in the account. I called the fraud line and gave all the information and uploaded all documents. I was told that she didnt know why the other bank employees would have guaranteed me that the funds were in the account. I even had them on speaker and my fianc heard the conversations that the funds were cleared. Well now I am out {$2100.00} which I dont have the money to cover. I have not heard back from the bank.
Consumer complaint received 2016-06-23
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: United Recovery Solutions (FL)

name of company : United Services phone number of company : ( XXXX ) XXXX I received 2 phone calls today XXXX/XXXX/16, from this phone number. The first time the male said his name and would not address the company he works for. I hung up and he called right back. He asked my if i was who I am so I told him I was. He then proceeded to tell me that he works with the state prosecuting attorney 's office and that there will be XXXX felony charges pressed upon me and that warrants were then going to be put out for my arrest. When I hung up, I was in such a panic because I am XXXX and the situation scared me. I called the state attorney 's office right away and they said that there was no felonies no warrants and they nor any affiliates would call me and ever tell me such a thing. XXXX. They do not care about who they are hurting nor how they are hurting them. This is XXXX damaging and could have turned out to be XXXX harmful as well.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a capital one venture card that has an annual fee. I called XX/XX/XXXX the first time to ask to downgrade so I dont get charged the annual fee. The cap one rep declined and said I have to wait until the annual fee is charged and then I could get downgraded. Unfortunately I waited so I called back on XX/XX/XXXX after the annual fee was charged. I talked to a rep and then their supervisor after getting declined to get the annual fee waived and the card downgraded. Capital one uses misleading tactics to get people to sign up for their annual fee credit card, charge people despite wanting to cancel, close, or downgrade the credit card to a no annual fee card.
Consumer complaint received 2023-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

I have currently been paying on my mortgage since XXXX XXXX XXXX. I have not missed any payments and have paid additional principal amounts. My loan is now being transferred from XXXX XXXX and the new mortgage company, Mr. Cooper is saying my mortgage payment is due XX/XX/XXXX as of XX/XX/XXXX. This amount is incorrect and I see where XXXX XXXX has not credited some of my payments on their account activity made fro XX/XX/XXXX to XXXX XXXX. This is very concerning that a mortgage company can ignore payments that have been made and how often does this kind of thing happen to people because of crooked mortgage companies. This is utterly disgusting. I would like someone to investigate this matter further. I have currently reached out to Mr. Cooper and I will be mailing something out to XXXX XXXX since they only have dispute information via Mail.
Consumer complaint received 2023-07-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (SC)

This company is a scam.

You send a complaint to LVNV Funding and then get information about a sister company called Resugent Capital Management. ( Send Below ) Your Account Has A New Owner : LVNV Funding You still owe your debt but the new owner is LVNV Funding. LVNV Funding outsources the management of its portfolio of accounts to a company called Resurgent Capital Services. Resurgent Capital Services is a licensed third-party debt collector specializing in the management of these types of consumer assets. Resurgent may contact you directly or may ask one of their collection agency partners to help them reach out to you. 

I've send certified letter to both of these companies over a series of months. I asked for proof this debt was mine and they ONLY sent a statement to my mailbox. 

I told them, I NEVER received this card. Anyone could have used the mailbox and forwarded it to another address. 

They still have not removed this false account from my report.
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (PA)

there is a lot of personal information on my report that is not mine. I'm including a copy of the ID Theft Report I filed, My Driver 's license & utility bill as proof of ID & residence. I want any item that does not pertain to me to be removed.
Consumer complaint received 2022-11-27
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. (GA)

I noticed fraudulent accounts on my report in XXXX of XXXX  and I disputed the accounts ( XXXX XXXX amount of {$5400.00}, XXXX XXXX XXXX amount of {$6500.00}, XXXX XXXX XXXX of {$1700.00}, and XXXX XXXX XXXX of {$2500.00} ) with all 3 bureaus. XXXX, XXXX, and Experian elected to leave the fraudulent, deceptive accounts on my credit report, and to make matters worse, XXXX later reported a late payment which caused my score to drop over XXXX pts. I did not give written consent or instructions for the identified transactions listed to be reported on my consumer report. Furthermore, the identified transactions are not information related to any transactions by me as the consumer. Please see the attachments!
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Premier Auto Credit (MN)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for purpose.

This company has false misleading advertising does not hold up to its policies.

When calling this company not only were the employees rude I was yelled at and hung up on.
Consumer complaint received 2023-05-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (CA)

I hired a local solar company XXXX XXXX XXXX to install a solar system at my home. They recommended to secure financing for the project through one of their preffered partners, a company named Mosaic. 

I went ahead and submitted the application with Mosaic and got approved for the loan for the entire solar panel cost of {$26000.00}. 

I setup my account and started making monthly payments to Mosaic. 

Fast forward to more than a year later, the solar panel has not completed the job. They have failed every single inspection to get the job approved by the city and connect the solar panels to the grid. 

The solar panel does not respond to my phone calls, when I finally get through they just say that they will investigate and get back to me, but they never do. 

So I have put 3 complains on 3 separate occasions with Mosaic, the financing company about the issue that I'm having but they seem to be unable to provide any help with this matter. 

Originally I was told by them that they only paid XXXX XXXX XXXX a small down payment to initiate the project and that the final payment is done after project is fully completed. 

But today, XX/XX/2023 after I call to complain for the third time, the Mosaic representative informs me that XXXX XXXX XXXX has already been paid in full. 

That makes sense, since XXXX XXXX doesn't show any desire to move forward or complete my project. 

My contract with XXXX XXXX XXXX shows they get paid {$1000.00} to begin the project and the remaining amount when the Final Inspection is done. 
So I don't understand why the financing company paid them all the amount in full already. In the meantime I'm paying a monthly payment to Mosaic for something that has not even been performed. 

My guess is that both XXXX XXXX and Mosaic have some sort of arrangement internally which doesn't involve the consumer at all. How is it that a financial institution that lends you money contingent on a home renovation project being completed doesn't offer any help when the consumer is being ignored by the contractor?
Consumer complaint received 2023-07-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (IA)

A couple of issues with Fay Servicing - In XXXX of XXXX I changed Homeowners Insurance carriers and between XXXX of last year and XXXX of this year, between me and my insurance carrier there were no less than 5 attempts to send the new insurance information to Fay Servicing . Fast forward to XX/XX/XXXX, I receive a notice that Fay Servicing was force-placing insurance on my property. During all of this, me and my insurance company were in contact with my SPOC ( single point of contact ) and were assured it was being taken care of. On XX/XX/XXXX, Fay advanced {$3400.00} out of my escrow acct for the force placed insurance. Reaching out again, was told their escrow department had never received the proof of insurance. I immediately got my agent and my SPOC on the phone together. Shortly after XX/XX/XXXX I received a letter stating the force-placed insurance was being cancelled. On XX/XX/XXXX Fay Servicing erroneously debited out of my checking account {$2400.00}. My regular payment was approx {$1900.00} which included and additional {$200.00} principal payment. Fay Servicing debited an additional approx {$500.00} without my consent. 

In addition to this, Fay Servicing set up a Loss Mitigation repayment plan that I didn't need OR request and as of today, the repayment plan is still reflected on my account. This is not the first time this has happened and will be following up with the FHA to ensure Fay Servicing is not receiving some type of servicer benefit from reflecting that an account is on a repayment plan. 

Last, but not least - I logged in to remove my banking information from their system and it will not let me remove it. Three or four times this week ( XXXX ) have left messages to have a manager, or supervisor call me to discuss to no avail, only voice messages from the SPOC. There are certain times I can talk outside of work and they will not call during those times and while they will call it an attempt to get a hold of me, I've been quite clear and have specified times. Agreeing to share this complaint as I hardly think that my experience is isolated and could possibly contribute to Fay Servicing being held accountable at the regulatory level for their questionable mortgage servicing practices. 

Including sceen shots of my payment and escrow history, the repayment plan & message not allowing me to delete MY banking information as well as letter rgarding force-placed being cancelled.