davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (LA)

My mother passed away XXXX. She had the mortgage with XXXX XXXX, then it was changed to XXXX XXXX, then changed again to Nation Star. My mother had XXXX mortgages. The first XXXX she didn't know, so she did pay for and file homestead with local government. So she borrowed money again and refinance with whichever one of the names of credit company at that time. She had took out the insurance to pay off loan if something would happen to her, so I would always have a home to care for my XXXX  brother. When so did the second mortgage she told me that she had taking out the insurance again with the loan. Now that she gone, I can't find the paperwork and mortgage copy says theres no extra insurance. I need help
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX Paypal Credit took without my authorization or consent {$170.00} out of my bank account. They then refused to return this money. They gave me the run around, refused to let me speak to a human being, and refused to return the money they had illegally and without my permission and consent stolen from my bank account. They have now removed this payment from my credit debit while also not returning it to me. When i called they claim it was a " glich '' and that it is not in any way illegeal for Paypal Credit to take money from my account without my permission or consent. That they can and will take money without my permission when ever they want to. I asked to see where i agreed to this and they hung up on me. Will you help me understand why it would be legal for a company to steal money from my bank account without consequences? Can you help me get my {$170.00} dollars back. Can you tell me what government agency enforces the laws preventing unauthorized access to personal bank accounts by credit card companies? Why would a corporation be given license to steal?
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Conn's, Inc. (GA)

On XX/XX/2023, I was browsing around looking for furniture. I came across Conn 's Home Plus website and was greeted with a popup promotion stating I could be approved for monthly payments after putting in my information and if approved and can make my purchase within 60 minutes, I will receive a FREE delivery. I hurried and filled out the form and was approved for a credit limit of {$1600.00} to use in-store. After choosing the item I wanted, I was taken to the checkout page and was given the option of how I wanted to pay one of the options was Conn 's Home Plus Financing that I was approved for. Before signing up, I also added the lease-to-own option with NO credit check. Once I got to the checkout and clicked on Conn 's Home Plus Financing option, I was taken to another site called XXXX XXXX XXXX and was asked to put in my social security number, date of birth, and my cell phone number which I couldn't understand. So I stopped the application and called conn 's support to find out what was going on and as I was explaining to the man what had happened, he ask for the last four of my social security number and date of birth and explained that I had been denied and I will receive a letter in the mail, I asked how could that be because when I was signing up, it said no credit check. The man said well it was one done on me and I told him without my consent and false advertisement. He said sir you will receive a letter in the mail, I asked how could Conn 's run a credit check on me without my permission. The man than hanged up the phone.
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-10-12
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. (OH)

I am not an attorney nor am I a 3rd third party. Please see my attached ID and SS card.

I was recently released from prison and it was brought to my attention that my credit profile had been compromised. I discovered that there have been several addresses and accounts for businesses opened up in my name. The first issue I found was a seen wrong SS numbers on my credit report. The following SS are not mine XXXX, XXXX. My full name is XXXX XXXX XXXX my DOB is XXXX my SS XXXX. I am in the process of filing a compliant with the FTC and the local aurthorities. The following addresses do not belong to me : XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX OHXXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX I have to do some more reseach on my credit file to see if there are in fact more items that are inaccurate. the following accounts are fraudulent : XXXXXXXX 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 XXXXXXXX. 
I was locked up in prison when these account were opened.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have submitted disputes to all three credit reporting companies about incorrect address on my reports. They have all agreed that the only accurate address for me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. Yet all the other address are still listed on my credit report. One of the addresses being included on a fraudulent inquiry submitted through XXXX  on XX/XX/2020. They agreed to remove the addresses yet the addresses still populate.
Consumer complaint received 2021-10-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX I mailed a certified dispute letter to XXXX XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX they also have over XXXX complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter to XXXX, XXXX, and TransUnion on XX/XX/2022. Here is the report number : XXXX, To remove personal information off my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 

These are clear violation of my federally protected consumer rights.
Consumer complaint received 2021-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CU Recovery, Inc. (GA)

Cu Recovery is a debt collector attempting to collect a debt not owed. they violated my rights as federally protected consumer by not properly validating the debt pursuant to 15 USC 1692g, by using unfair practices like having their logo on the mails they sent me, pursuant to 15 USC 1692f ( 8 ).
Consumer complaint received 2021-10-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX I mailed a certified dispute letter to XXXX XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXXI mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX  they also have over XXXX complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (MI)

Am a Barclay 's XXXX XXXX Mastercard customer and have had an account for many years. I have always had my auto pay set up to pay the full statement balance on the due date. 

On my XX/XX/21 statement I had a balance of {$3400.00} and had autopay set up to pay the full statement balance of {$3400.00} on my due date of XX/XX/21. However, the payment did not process until XX/XX/21 resulting in interest charges of {$73.00} and a late fee of {$29.00}. After speaking with Barclay 's customer support both fees were waived and no explanation was given for the delay in the payment. As a one off issue I was satisfied with the resolution. 

However, on my XX/XX/21 statement I had a balance of {$4800.00} with autopay set up to pay the statement balance of {$4800.00} on my due date of XX/XX/21. The payment was made in full on XX/XX/21. However, on my XX/XX/21 statement I had an interest charge of {$42.00} based on a 14.99 % rate on a balance of {$3400.00}. After speaking with Barclay 's customer support they agreed that no interest should have been charged and it was erroneously charged due to a 'technical error '. The charge was waived. 

I am satisfied with the resolution that I received ; however, if a 'technical error ' resulted in erroneous interest charges on my statement I am sure it is happening to others as well. The support representative I spoke to filed an internal complaint at Barclays with the case # XXXX.
Consumer complaint received 2021-10-12
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: ALLY FINANCIAL INC. (LA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ALLY FINCL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Beginning XXXX and XXXX and XXXX XXXX  XXXX is reporting a high balance of XXXX on a card with a XXXX limit. to all XXXX credit bureaus. I have called XXXX times and sent a certified letter to XXXX  XXXX asking them to send me the transactions that total XXXX. All I get are letters telling me that they are reporting the XXXX correctly but never send me the proof i ask for. 

I make XXXX or more pmts every month because the credit limit is so low i use it for my business and spend about XXXX during the month so to keep the card from getting to close to the limit I make pmts before the closing date.or as I use it. Im working on my credit so I can buy a house. My first one. Now with the XXXX high balance showing I can't get the house because the interest rate went from 5 % to 13 % and my score dropped XXXX points,. So all my hard work down the drain! I have a right to see where this XXXX is coming from and the way I have been treated by this company is completely undeserved. I never go over my limit and i always pay on time. or more.Yet i get ignored when i ask to send me this proof i need. 
I was turned down for a credit card because they said, balance relative to credit limit is too high. meaning a balance of XXXX on a XXXX credit card limit. My credit utilization is 4 % but with this XXXX showing It has begun to cripple my credit reports and keep me from ever getting a house at a fair rate. Im XXXX and I dont have a lot of time to put off buying a house when this high balance is not correctly being reported.and cant get any proof of this from XXXX  XXXX. They wont even let me talk to the people responsible for the report they send to the credit bureaus. I was told it does not get done by a human that it is all done by computer so i cant talk to anyone. The customer service dept says they cant see where the XXXX is coming from yet every month its being reported. I asked XXXX and Experian to remove it until the dispute was completed but they did'nt. Experian I disputed with 2 or 3 times but it comes back in a few days as verified and XXXX  XXXX added DISPUTE RESOLVED and it was not resolved.
Consumer complaint received 2021-01-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pendrick Capital Partners (AL)

Today XX/XX/2021 I received a phone call from affiliate services. The lady let me know she was calling in regards to a medical debt. I informed her I was currently paying medical debt from another collections agency, and could not afford to pay that debt till my other debt is resolved. She then said I was lying about student loans and rambled on with out listening to a word I said. She told me to reach out to family for assistance. Which set me off having my father die two months ago, and being estranged from most of my family. She would not listen too anything I said and wanted to talk over me.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Beginning XXXX and XXXX and XXXX XXXX  XXXX is reporting a high balance of XXXX on a card with a XXXX limit. to all 3 credit bureaus. I have called 12 times and sent a certified letter to XXXX  XXXX asking them to send me the transactions that total XXXX. All I get are letters telling me that they are reporting the XXXX correctly but never send me the proof i ask for. 

I make 3 or more pmts every month because the credit limit is so low i use it for my business and spend about XXXX during the month so to keep the card from getting to close to the limit I make pmts before the closing date.or as I use it. Im working on my credit so I can buy a house. My first one. Now with the XXXX high balance showing I can't get the house because the interest rate went from 5 % to 13 % and my score dropped 10 points,. So all my hard work down the drain! I have a right to see where this XXXX is coming from and the way I have been treated by this company is completely undeserved. I never go over my limit and i always pay on time. or more.Yet i get ignored when i ask to send me this proof i need. 
I was turned down for a credit card because they said, balance relative to credit limit is too high. meaning a balance of XXXX on a XXXX credit card limit. My credit utilization is 4 % but with this XXXX showing It has begun to cripple my credit reports and keep me from ever getting a house at a fair rate. Im XXXX and I dont have a lot of time to put off buying a house when this high balance is not correctly being reported.and cant get any proof of this from XXXX  XXXX. They wont even let me talk to the people responsible for the report they send to the credit bureaus. I was told it does not get done by a human that it is all done by computer so i cant talk to anyone. The customer service dept says they cant see where the XXXX is coming from yet every month its being reported. I asked Transunion and XXXX to remove it until the dispute was completed but they did'nt. XXXX I disputed with 2 or 3 times but it comes back in a few days as verified and XXXX  XXXX added DISPUTE RESOLVED and it was not resolved.
Consumer complaint received 2017-09-11
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: EQUIFAX, INC. (CO)

I might be one of the 150 million victims of 2017 Equifax Security Breach, and I feel really vulnerable since there is nothing I can do to improve the situation.
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NE)

A lot has happened this past year and I've definitely felt the struggle and financial consequences of a collapsing economy during the height of a pandemic. I tested positive for XXXX and eventually lost my job. Having done business with Chase Bank in the past, I'm well aware of their credibility in regards to wealth management and also serving their clients. Wanting to do everything possible to protect my assets, I turn to Chase Bank and utilize them as to be my main financial service provider. My account went negative at one point and Chase Bank, without explanation, notification, or any regard to me as a human being, close all accounts I had with them. on top of that they reported, and continue to report false information to the credit agencies claiming they " wrote off '' over {$6000.00}. Has anyone ever, in their life, heard of a Bank allowing a personal bank account go negative that much? I very strongly feel at this point personally attacked as if they " had it out for me '' because of a heated communication not long prior to this event.
Consumer complaint received 2021-10-11
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. (NJ)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

My Name is XXXX XXXX I have a mortgage loan with Lakeview Loan Servicing. My loan # isXXXX. I live at XXXX XXXX XXXX, XXXX, TX XXXX. I made a one time payment of {$1400.00} that was charged to my bank account on the XXXX of XXXX. Then an auto draft payment was charged to my bank account for the amount of {$1400.00} XX/XX/XXXX. I never setup Autodraft and I did not authorize this payment. I called customer support and the agent # XXXX said my account was somehow setup for Autodraft but she didn't see when I requested to have it setup. Because I never setup Autodraft. The agent told me I needed to write Lakeview Loan Servicing and ask for a refund. I wrote them on XX/XX/XXXX at XXXX. I also got charged a fee for having insufficient funds by Lakeview Loan Servicing. Who has money to make two mortgage payments a month? Not me and now my car payment is going to be able to go through because I don't have any money in my bank account thanks to Lakeview Loan Servicing. I have yet to hear back from Lakeview Loan Servicing and my bank account has been overdrafted for 2 days now. I would really like a refund and for them to remove the {$34.00} fee for insufficient funds. They robbed me and I can't get a hold of them. Please help. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I recently started looking into my credit report because I plan to buy a house in the next year. When I pulled my report I noticed multiple late payments shown under my student loans with  XXXX   XXXX . I called into the customer support line  XXXX   XXXX ,    2017  and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me  XXXX   XXXX  would not be able to do that. I have sent letters to the company and am currently awaiting a reply.
Consumer complaint received 2021-01-07
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Abbott Osborn Jacobs PLC (IA)

The lawfirm of Kevin Abbott brought a small claim suit against me for a private loan signed off in XXXX, this was brought against me in XX/XX/XXXX - 17 years after the loan had been disbursed. The only proof of this debt that was provided was the original signed loan document XX/XX/XXXX. They created a situation that I couldn't defend - I had no way to prove or disprove something that was 19 years old. They obtained a judgement against me on this time-barred debt. And now I am fearful they can collect on something that I may have already paid or has been written off and that I have no way to defend because of it's age.