davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (NC)

I received a notice of collection account from Waypoint Resource Group ( WRG ) on or about XX/XX/2022, indicating that they were attempting to collect an alleged debt for XXXX XXXX. Please note that I had also received multiple, repeated calls from WRG despite my request for any communications to be only in writing. Per my consumer rights, I submitted a written request to WRG on XX/XX/2022, sent via USPS certified, return receipt mail requesting full verification of the alleged debt, as I do not believe this a debt that I owe. I have verified that this letter was received and signed for a WRG representative on XX/XX/2022. I never received written verification of the debt. On today, XX/XX/2022, I reviewed my XXXX credit report and noted that WRG had reported this account to the credit bureau as a debt that I owe, yet still had not provided written verification of the debt to me. I contacted WRG via telephone on XX/XX/2022 at XXXX XXXX, initially speaking with a representative, XXXX, who acknowledged receipt of the letter and then stated the initial notice sent was the debt letter. I informed her that the letter received only indicated that WRG was assigned a the responsible party for collecting the debt, but did not indicate any verification of the debt. XXXX indicated that she could request a debt verification statement, but it would not be available for 5-7 days. XXXX ended the call abruptly. I called WRG again on XX/XX/2022 at XXXX XXXX, this time speaking with a representative named XXXX. She again confirmed that my letter was received by WRG on XX/XX/2022 requesting verification of the debt. She indicated that she would request the verification statement and it could be emailed to me within 1-2 days. My rates have been violated by WRG, as they did provide the requested debt verification and have subsequently ( and erroneously ) submitted collection information to the consumer credit bureau that has negatively impacted my credit rating.
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

Paypal credit does not update their reporting of what the client owes them as credit, after the items were returned. That is to say, the items are returned, but they remain on the clients account as charges owed. This situation is never rectified unless the client discovers it -- and even then it is a lengthy and complex process that can take up to several months.
Consumer complaint received 2024-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (VA)

Summary : Mr. Cooper made a mistake on my account and failed to close my load on time. Instead of proactively solving the problem, they put a delinquent record on my credit report and charged me extra money for interest. 

I had a mortgage with Mr. Cooper. I have received a notification stating that I am overdue on my XXXX XXXX, XXXX payment. It left delinquent records on the borrower 's credit reports. I believe this is an error made by Mr. Cooper but hurt the borrowers ' credit records. 

My payoff fund was sent to Mr. Cooper on XXXX XXXX, XXXX, intended to payoff and close the loan. According to Mr. Cooper in a later phone call, the payoff did not take effect immediately due to the balance was insufficient. However, this was made by a mistake from Mr. Coopers XXXX department XXXX which mistakenly made a duplicate payment to my insurance company. If this mistake was not made, my payoff should have been taken immediately on XXXX XXXX, XXXX without any overdue. I contacted Mr. Cooper several times in late XXXX and XXXX to discuss this issue. What Mr. Coopers customer representative told me is that I should request the insurance company to return the overpayment to me and then I can pay off by depositing that overpayment back to my escrow account. Meanwhile, I was told that a request was awaiting XXXX approval to recalculate my interest through XXXX XXXX, XXXX instead of XXXX XXXX, XXXX. I was told that I dont have to pay the XXXX XXXX XXXX 's statement since Mr. Cooper XXXX received my payment fund and the calculation is correct. After receiving the refund from the insurance company, I made the payment on XXXX XXXX, XXXX and the payoff was processed. The payment includes the interest all through XXXX XXXX, even though all my payment was sent to Mr. Cooper by XXXX XXXX, XXXX ( excluding the insurance premium which was double paid by Mr. Cooper ). 

With the facts above, it is obvious that my loan should have been paid off by XXXX XXXX, XXXX if Mr. Coopers XXXX department had not mistakenly made a duplicated payment. I should not be obligated to pay on XXXX XXXX, XXXX, as this is a mistake made by Mr. Cooper, and I was directed by Mr. Coopers service representative to wait till the insurance company refunds the overpayment. Furthermore, I am not obligated to pay the interest through XXXX XXXX, which was charged on their closing calculation.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act XXXX 1XXXX XXXX Account # XXXX **,2. XXXX XXXX XXXX Account # XXXX, 3. XXXX XXXX Account # XXXX & 4. XXXX Bank Account XXXX has 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
Consumer complaint received 2019-07-04
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. (RI)

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me ... XXXX XXXX XXXX, XXXX, were paid and satisfied as agreed ... Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose or otherwise not compliant allegation accounts
Consumer complaint received 2022-06-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens bank is awful. They have done nothing to change the fraudulent activity happening in mine and my husbands accounts. On four different days, someone has hacked our savings account, making multiple withdrawals. First one was for XXXX, second one was XXXX, after freezing the accounts whoever is doing this was able to withdrawal another XXXX and another XXXX. I am extremely frustrated with this situation. Its unacceptable that its not being taken care of.
Consumer complaint received 2023-10-18
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.

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 2022-06-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: First Help Financial, LLC (IL)

Title was initially requested in XX/XX/2022 once loan was paid in it's entirety. I was told to wait two months. Did not receive title nor update. I called again in XXXX, was told to wait a few weeks for title to be received. Once again did not receive title through mail nor any communication or update. I called again on XX/XX/2022 and was told the title was never requested. So I have to wait two weeks for title to arrive to them first before sending it to me. I have now stopped getting responded to through the customer chat service.
Consumer complaint received 2022-06-01
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

I submitted a dispute to an account that was opened in my name fraudulent and as a result three accounts from XXXX XXXX XXXX XXXX XXXX that were correctly report that have been paid off for years has been removed from my Equifax report. 

The wrong accounts got removed from Equifax report and needs to be added back because removing those accounts hurts my credit age. 

The accounts in the amount of XXXX that was opened on XX/XX/XXXX was removed from my equfax report. It appears to be disputed in error. The incorrect acount was removed. The account in the amount of XXXX that was opened on XX/XX/XXXX was also removed from my Equifax report in error and needs to be added back. The account in the amount of XXXX was removed in error and should also be added back. Removing these accounts hurts my credit age and was not the correct accounts to be removed. I need them added back to Equfax asap.
Consumer complaint received 2022-12-18
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 — Problem with personal statement of dispute
Company: TNT Financial, Inc. (MI)

TNT FINANCL has consistently for over XXXX years been reporting inaccurate information they have been reporting to XXXX and XXXX TNT FINANCL recently updated XXXX and XXXX with false information that was made when I was incarcerated, they have so much information that is reporting inaccurate especially the recent dates they have showing on my recent payments I have not made and ongoing information that is FASLE I'm asking this company TNT FINANCL again to please remove both accounts IMMEDIATELY! I HAVE RIGHT TO DISPUTE INACCURATE INFORMATION THE FCRA STATES BY LAW YOU CAN NOT REPORT INACCURATE INFORMATION AND TNT FINANCL AS BEEN DOING SO FOR OVER XXXX YEARS!
Consumer complaint received 2022-12-18
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. (ID)

XXXX XXXX amount {$220.00}. This is not my account. I have disputed with XXXX, Equifax, and XXXX and the company who says it's my debt and never heard back. The credit agency says it mine but I have no knowledge of this account.
Consumer complaint received 2018-10-01
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. (IL)

It has recently been brought to my attention that my information has been shared on the internet and on the dark web. This information was given to me through XXXX XXXX, a XXXX XXXX service. As a result of this information there have been numerous hard inquiries associated with my name and social security number. These inquiries include, but may not be limited to, the following : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Misc. 

XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX. XXXX Inquiry from XX/XX/XXXX Personal Services ( Non-Medical ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX-XXXX   Inquiry from XX/XX/XXXX Telephone Companies XXXX - XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX - XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I submitted a dispute via Experian on XX/XX/XXXX after noticing an error on my credit report from XXXX  years ago from XXXX where they incorrectly reported a delinquency. My loan payments were all paid on time and then I paid the remainder balance in full in XXXX of XXXX with along with my regularly scheduled payment. You can see this reflected in my credit report. Then they suddenly reported in incorrect XXXX  day delinquency the very NEXT month in XXXX which isn't possible. How can they confirm the payment in XXXX but somehow say a payment is XXXX says late the very next month? That's not possible. Then they say it's XXXX  days late the next month. Again not possible. Loan was paid that XXXX. They finally reported the loan as closed on XX/XX/XXXX. THEY made the mistake of not marking the loan as closed until XXXX, although you can clearly see it was paid in XXXX.
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

XXXX XXXX amount {$220.00}. This is not my account. I have disputed with TransUnion, XXXX, and XXXX and the company who says it's my debt and never heard back. The credit agency says it mine but I have no knowledge of this account.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I noticed someone was withdrawaling cash from an ATM In XXXX XXXX from my account over a 3 month period. I called My bank Chase to let them know and they said they would investigate the matter. They also rembursted me for all 6 charges. Then soon after about XXXX to 4 days they took the money back leaving me without a penny and without a reason at all. I'm on disability so what I had in there was all I had. So I called and they informed me that I was denied because I lost my credit card and wrote the pin on the back of the card. All lies! I have the credit card it was never lost nor am I stupid enough to write the pin on the card. I tried and tried to tell them I didn't do it. I know they didn't investigate because it's an ATM with cameras!? It would show it wasn't me. And I have not been to XXXX XXXX in 8 yrs. I explained I'm a XXXX patient and on disability and that I needed my money. They could care less. It's so frustrating. Dates XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX total XXXX not including late charges, all from an ATM at XXXX XXXX XXXX XXXX CA. XXXX did not even try to help me, they basically called me a liar and lied to me why I was denied. Someone please help
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FISERV INC. (AZ)

Regarding my business XXXX, Merchant ID : XXXX. In early XX/XX/2022, I signed up with XXXX to accept credit card payments for my business. On XX/XX/2022 I was contacted by the business via email ( XXXX ) regarding a recent transaction. After submitting the requested documentation via email, Fiserv Risk Department decided to close my merchant account on XX/XX/2022. I also finally received a letter in the mail from a " XXXX '' at First Data ( a subsidiary and/or same company as Fiserv ) informing me of the same, with a non-working call back number of XXXX. Since then, I've been trying to contact the company via email and another phone number I found on my own ( XXXX ). My emails are ignored, and if I call the number I'm told I'll receive a call back within 24 hours yet I've been waiting over a week. According to my records, they are holding over XXXX of my dollars in the merchant account which should have been deposited into my bank account by now.
Consumer complaint received 2022-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

Attached are documents relating to up to seven of the complaints I could file against Randolph Brooks Federal Credit Union. If I had to pick the one most relevant, it would be credit discrimination thats ongoing since XXXX. 
They refuse to address it, and they debited my account without my permission to pay a note that has never been delinquent at horrendous interest rates that never shouldve happened. 
I tried several times for a vehicle refi between XXXX and XXXX -- all were denied when my credit score was above XXXX. I was forced to refinance XXXX Jeep with XXXX remaining on a 3 % loan, at 12.9 % -- after denials at rates ranging from 4.4 % to 7.9 % and even 9.9 % -- which changed to 12.9 % three days later. 
I was forced to pay two car notes before the loan and another the following week after the new rate was approved. After more than {$20000.00} on the car refi since XX/XX/XXXX, they say I still have more than {$11000.00} to go. 
I havent been late with any payment yet they kept pocketing. Now, interest on the car note is exceeding 17 % and they now have began charging {$20.00} late fees on notes AFTER I paid on time. 
The last straw was subtracting {$450.00} from my account without my knowledge on XX/XX/XXXX -- while I was in the middle of talking to bank officials -- loans then collections -- after they ignored emails I've sent them over the past three years. 
They wont negotiate except to welcome me to apply for another refi. They closed online access, bounced checks, and a lot more. I made more than XXXX calls and nearly 800 minutes getting balances through automated responses. 
They have ruined my credit and continue to pocket money Ive already paid. I wanted to include scanned attachments, but all include personal information. It took three years to compile iofficial bank documents, emails and more including the voice conversations and the actors involved if needed.
Consumer complaint received 2022-06-01
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. (MN)

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 correct from erroneous reporting in my file are listed on my credit report : ACCOUNTS ; XXXX  XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$290.00} ; XXXX  XXXX XXXX Owed : {$3100.00} ; XXXX  XXXX Balance Owed : {$3400.00} ; XXXX  XXXX Balance Owed XXXX {$1400.00} ; XXXX  XXXX Balance Owed : {$870.00} ; XXXX  XXXX Balance Owed : {$1400.00} ; XXXX  XXXX Balance Owed : {$10000.00} ; XXXX  XXXX Balance Owed : {$4500.00} ; XXXX XXXX Balance Owed : {$6100.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX  XXXX Balance Owed : {$5000.00} ;
Consumer complaint received 2022-06-01
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. (MN)

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 correct from erroneous reporting in my file are listed on my credit report : ACCOUNTS ; XXXX  XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$290.00} ; XXXX  XXXX XXXX Owed : {$3100.00} ; XXXX  XXXX Balance XXXX : {$3400.00} ; XXXX  XXXX Balance Owed XXXX {$1400.00} ; XXXX  XXXX Balance Owed : {$870.00} ; XXXX  XXXX Balance Owed : {$1400.00} ; XXXX  XXXX Balance Owed : {$10000.00} ; XXXX  XXXX Balance Owed : {$4500.00} ; XXXX XXXX Balance Owed : {$6100.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX  XXXX XXXX Owed : {$5000.00} ;