davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NM)

My name is XXXX XXXX XXXX, married to XXXX XXXX XXXX XXXX, deceased military I am a widow, I am XXXX, I am XXXX XXXX XXXX and I am a US naturalized citizen immigrant from XXXX. 
My daughter owns a home at XXXX XXXX XXXX XXXX, XXXX NM XXXX and is her residence, We are sued for foreclosure for a second mortgage that was kept open according to what our prior attorney said, and that the sellers after giving title away on a closing on a XXXX  on XXXX worked out a loan mod refi or forebearance with XXXX XXXX XXXX, increasing the debt which was not allowed per the escrow officer XXXX XXXX XXXX XXXX and XXXX XXXX ( alttorneys for the seller and their drafted contract ). attached This is a loan that we were told XXXX XXXX ( seller ) aka XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXr they sold the house and placed title in escrow with XXXX XXXX aka as XXXX XXXX, with title insurance by XXXX XXXX, It appears they used title companies ( XXXX ) to buy other homes and also acted as mortgagors on homes they flipped inflorida and did not make their payments to XXXX XXXX XXXXXXXX but went applied for help or loanmods. 
We ade our payements until the house was paid off per our contract which ONLY spells paying off the countrywide original loan acquired by XXXX XXXX XXXX we never were told of a second mortgage open loan by title and our contract paid off the originalfirst mortgage Apparently XXXX XXXX XXXXXXXX sold the loan that was altered to mr cooper and we did not know the loan amount balance or anyting as we are not priviledged on the loan. 
The went to foreclosure and they have failed to recuperate or state the judgment from the mortgagors XXXX XXXX and XXXX XXXX for more tha 10 years and is so staled that mr cooper can not recuperate and HUD even gave XXXX XXXX and XXXX XXXX a HUD government loan to them. They have lived in Florida forall these years since XXXX The address was provided in court and it appears that the lawyers are incompetent that represent the mr cooper or that the process server LIED TO THE COURT As XXXX XXXX DOES NOT LIVE IN NM BUT IN FLORIDA NEVER LIVED WITH MY DAUGHTER OR I, FURTHER XXXX XXXX IS ANOTHER PERSON IN HER FORTIES AND IAM XXXX WE ARE NOT THE SAME PERSON STOP XXXX TO THE COURT TO PROCEED TO A WRONGFUL FORECLSOURE. 
WE PAID THE HOME OFF THE MONEY IS AT THE COURT. 
IF THE BANK GIFTED BACK THE MONEY TO THE SELLER AND THE BANK CAN NOT RECUPERATE IT IS THEYIR FAULT IF THEY CAN PROCEED WITH FRAUD FOR THAT GO AHEAD, I BOUGHT THE HOME WITH MY DAUGHTER PAID ALL MY LIFE EARNIGNS AS A TEACHER STOP THE ABUSE OF LIQUIDATEORS THAT PREFER TO TAKE THE TITLE THAN A SMALL UDGMENT THAT IS DUE TO THEM MAYBE BY THE SELLERS. THE SELLLERS HAVE NO SKIN IN THE GAME SO IT APPEARS THEY COLLUDED WITH THE BANK TO EXTORT AND STEAL FROM ME, I AM A SENIOR AND I PAID MMY BILLS.
Consumer complaint received 2022-05-25
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: EQUIFAX, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

One company said my address was not a match when in fact my current and previous address was direct from my statements. If my landlords an myself don't know where I live then I guess that I'm in a XXXX of a mess. Another company appears to have trick questions about my past mortgage. Another company said That I already had my free report, but since I live in Georgia I get TWO free reports. Nowhere to address this problem. This is insanity. They can't protect my info when they can't even keep up with where I live. Besides, IT'S MY REPORT.. MY INFORMATION.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

After review of my credit report from XXXX on XX/XX/XXXX, i observed they had marked me late on XX/XX/XXXX andXX/XX/XXXXfrom XXXX XXXX I contacted XXXX on XX/XX/XXXXand spoke with representative and she advised my account was only 15d late not 30d and that she would submit a dispute on my behalf for this to be corrected. I contacted XXXX and inquired why it was marked 30d and was advised they do not have 15d late only 30, 60, 90 and 120d. Since they did not report 15d late they just made it 30d and reported same on my report. This act was of unproffessional, deceptive, fraudulent and inaccurate and should have never happened. This is not acceptable and was the cause of obtaining other credit approval. I disputed the same with them to remove as the account was not 30d late and that they documented fraudulent and inaccurate information on my file, causing my credit score to drop. Unacceptable.
Consumer complaint received 2021-12-16
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)

On Vacation in XXXX with family I frequent a lot of hotels, attractions and restaurants making cash transaction to keep spending habits low. After leaving XXXX to XXXX to catch my flight home to XXXX XXXX I noticed my wallet was missing losing my Drivers Lisence, Chase Credit and Debit cards, and Bank account pin numbers. On XXXX XXXX 2021 while driving I use my Chase Mobile App to monitor my finances, and notice an alarming fraudulent charge for XXXX XXXX for {$4100.00}. It was unbelievable so I immediately called Chase XXXX XXXX XX/XX/2021. On XX/XX/2021 the gave me a credit for {$4100.00} during the investigation. 

I received a follow up call from Chase XXXX XXXXXXXX XXXX but NO Voicemail was given. I log into my Chase Mobile App to see the fraud amount reapplied to my statement. I called Chase Fraud depart after multiple unsuccessful attempts to clarify the mistake. 

XXXX XXXX XXXX The investigation was completely poorly done and noted the verdict was based on the receipt name matched the credit card name. 
XX/XX/XXXX, XXXX forwarded Chase Fraud department proof of my Driver Licence being reissued because my wallet was stolen and asked if I should file a police report for more validity on my end. I asked if they checked security camera footage and the purchaser use the correct address, and chase fraud representative said " we dont know ''. Also the XXXX representative did not follow policy by taking a photo copy of the ID prior to issuing the sale, and Chase responded " we dont know. '' At this point Chase Fraud does not have any information to give and want to settle by having me, a loyal 7 year loyal customer and U.S. Veteran with their unwarranted bill. 

They refuse to remove the {$4100.00} balance from my statement that I refuse to pay and I am afraid this will destroy credit score which I worked valiantly to protect for years. Also interest fees will be added to my Credit from waiting for Chase to fix the issue. 

I have not heard back form Chase Fraud since XX/XX/2021. Please help assist me!
Consumer complaint received 2017-07-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

They want me to pay over {$100.00} a month for loans but I 'm barely making it out in the real world. I went to school for   XXXX   XXXX   but not working in my field because they say I did have enough experience so I had to take a finance job because could no longer find work as a   XXXX   XXXX   because lack experience
Consumer complaint received 2021-12-16
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: HYUNDAI CAPITAL AMERICA (CA)

My Kia car payment was due XX/XX/XXXX. A valid 30 day late would have been XX/XX/XXXX. I legally signed car over to XXXX XXXX XXXX in XXXX XXXX dealership on XX/XX/XXXX. I traded car in for a truck. They informed me they would send payoff asap. I nicely explained to Kia what occurred and apologized the dealership did not payoff car until XX/XX/XXXX. Then they sent the wrong payoff amount and left a low balance remaining which resulted in a 60 day late. I sent dmv proof that I was no longer legally liable for vehicle on XX/XX/XXXX prior to it being 30 days past due and kindly asked if they would remove the erroneous 30 and 60 day late. Kia credit dispute said they would not remove it as I was legally liable for vehicle until payoff was received.
Consumer complaint received 2023-04-09
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. (GA)

Account XXXX  ( XXXX XXXX ) is inaccurately reporting on the credit reports associated with my social security number and this violates my consumer rights per the following information : There are several inconsistencies in the account information provided by the three credit bureaus : XXXX, Experian, and XXXX. 

Firstly, the Account Type Detail for XXXX and Experian is listed as " Auto Loan, '' while XXXX does not have any information for this field. 

Secondly, the Account Status differs among the bureaus, with XXXX and Experian reporting the account as derogatory, while XXXX reports it as open. 

Thirdly, the balance of the account varies between the bureaus, with Experian reporting an {$8000.00} balance, while XXXX and XXXX report a {$0.00} balance. 

Fourthly, the Payment Status field is inconsistent, with XXXX reporting it as " Unknown, '' Experian reporting it as " Collection/Chargeoff, '' and XXXX reporting XXXX as " Unknown. '' Finally, the Last Reported field shows different dates for each bureau. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and complete information in credit reports. Specifically, the FCRA sections that are violated in this case are : Section 607 ( b ), which requires that credit reporting agencies follow reasonable procedures to ensure the accuracy of credit reports. 

Section 607 ( c ), which requires that credit reporting agencies include complete and accurate information in credit reports.

Section 611 ( a ), which requires that credit reporting agencies reinvestigate disputes and correct errors promptly.

Section 623 ( a ) ( 2 ), which requires that credit reporting agencies report the date of last payment accurately.

Overall, these inconsistencies are negatively impacting my credit score, and it's important to take action to correct any errors in credit reports.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked at my credit report on XX/XX/2024. On XX/XX/2024, I sent a letter of intent and an affidavit of truth to all XXXX credit reporting agencies. I stated I would like to make changes to inaccurate information on my credit report. I called each of the 3 agencies on the phone XX/XX/2024, to update my information on the credit report. I mailed another letter to all 3 credit reporting agencies on XX/XX/2024, telling them again about the inaccuracies on the report. This was sent via certified mail to verify that the notarized letter reached the credit reporting agencies. It has now been 30 days since my original request ( XX/XX/2024 ) and I have not had any contact from these agencies nor have I witnessed any updates to my account. Because of this, on XX/XX/2024, I mailed a demand and compliance letter to the credit reporting agencies and am now here submitting a complaint against them with the CFPB.
Consumer complaint received 2021-12-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MO)

IC systems Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent collection notice in the amount of XXXX for a debt that is not owed to them in that amount. In addition, I see systems Inc can not be verified with the information from the notice and outside contact information via internet nothing matches up. IC systems Inc also exposed my complete full name and address including middle name which will cause identity theft they did not utilize protective measures. IC System Inc is a fraudulent collection agency.
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have let Kohls know of my charge was incorrect they were supposed to close mine and send a new one they never did. They also put it in dispute back and forth and tried to put on all these late charges and never took care of the dispute 2 of the disputes one for XXXX and XXXX were never taken off and while on dispute they charged me a higher late fee of XXXX. They have me still owing XXXX which is not correct.I have contacted XXXX XXXX which in return she sent it to a XXXX who called and was very rude almost threatening me. Please look into this as they have not helped me.
Consumer complaint received 2024-03-11
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. (AZ)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NC)

Was out of work for a year collecting a XXXX dollars unemployment contacted fay servicing seek hardship relief only to strung along for a whole and denied help. Hired company to help was finally given trial modifocation where must pay XXXX by XX/XX/2019 then XXXX  a month.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Colony Brands, Inc. (NY)

Hello, I've been in contact with XXXX XXXX for months trying to resolve this issue. 

It started with them denying me credit despite my good standing with their company. Also, they've canceled orders without cause. And, currently the situation has escalated to them now refusing to report my solid credit history to the credit bureaus despite them advertising this on their website ( s ) AND repeatedly telling me in writing and verbally that not only would they but that it is part of their business model that they willingly adopted. Still, several months have passed without them reporting my good credit history. Equally infuriating is that if my credit was poor then they'd been efficient about reporting it to the credit bureaus. A lot of time has been lost because of their intentional negligence and as such there's been direct negative impact to my credit score/history. 

My correspondence with XXXX XXXX has been with multiple representatives via email and phone.
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is the second time capital one has put a credit card on my credit report. I have never owned a credit card from capital one. As well as inquiries on my credit report from them pulling my credit reports. I never gave consent for them to run my credit ever. This account is not mine.
Consumer complaint received 2021-12-16
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (TX)

This account has been on my credit report for a couple of years, every month they change the total amount from {$1000.00} to {$1000.00}. I have disputed the acount and demanded verification from the bureaus and from the company themselves. The account always comes back verified but somehow they keep changing the amount owed constantly. This affects my credit rating every time they update it and also affects the date of activity resetting the clock for the 7 year deletion mark.
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I received a letter from Bank of America at my home to sign up for a Bank of America checking account and I will get a {$300.00} bonus after {$4000.00} was deposited into my account via direct deposit from my employer. 

I open my account in XXXX of this year and met all the requirements by XXXX but never received my {$300.00} bonus. 

After finally getting someone on the phone they say that they couldn't find any bonus offer for me and then told me I will have to wait 30 days for them to look into it and send {$100.00} when the offer was for {$300.00} not {$100.00}. 

I was advised if I could find the letter which was several months ago I could take that to a branch I might would send it to the XXXX area but of course it's been since XXXX and I no longer have that letter.
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (UT)

Its been going on for a couple months now. When Midland credit calls, I'll Ignore the call and then the will right back. I'll ignore the call and they will call back and this will go on for about XXXX calls. It happens about twice a day. Every day. On XX/XX/XXXX I got fed up with the repeating calls. ( it affects me at my Job ). I answered the phone and told the operator to stop calling me they are harassing me. The calls stop for a bit. Today XX/XX/XXXX The calls started again. So I would like to make a formal complaint of Harassment. I understand I am in debt and will pay it back as soon as I am able to, but these calls are getting me in trouble with the job I need to pay them back. I can provide screenshots of all the repeated calls if necessary.
Consumer complaint received 2023-10-16
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: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-12-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

The company listed as Fair Collections and Out ( FCO ), showing a balance of XXXX which is an incorrect balance. It was sold to them by the original creditor and has been updated. to paid {$0.00} balance. I never consented to having my personal information sold a collection. Until recently the account was listed as a open charge off. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. The actual balance originally owed was reported incorrectly to XXXX by XXXX XXXX. Per the Fair credit Reporting Act because of this the this item should be completely removed even thought the amount is now been update to a {$0.00} balance. Have it being reported at a higher amount has damaged my credit due to this simple mistake im requesting that it be removed immediately from all 3 credit reporting agency 's I've reached out to all three credit reporting agencys several times with documentation of the actual balances and nothing has been done about this in the legally require time to correct this the company 's own statement of account shows the correct balance amount. This is not " fair credit reporting '' by increasing the amount and should be deleted