davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (PA)

I applied with Mr Cooper for refinancing of 3 mortgages First loan : XXXX XXXX XXXX # XXXX Started process in XX/XX/2020 process took much longer than expected originally had 2.75 % interest rate with {$7000.00} lender credit and loan was conditionally approved after sending them all the requested documents and any additional documents within 48 hrs of request. 
due to the delay and long process on Mr cooper side, lender credit has changed and they do not offer that credit anymore. 
one of Mr cooper requirements was a Subordination letter from the HELOC loan ( XXXX XXXX  ) which cost me {$250.00} Tried to call loan processor, underwriter, their manager and no answer or call returns. 
I started working with another lender to stop my losses but I can not get the same deal anymore. I can only get {$570.00} as lender credit I am asking for : 1. {$6400.00} difference in lender credit 2. A letter on a letter head from Mr Cooper stating that they did not process the loan subordination and will not process it- So I can get the {$250.00} refunded from XXXX XXXX  . 

Second Loan : XXXX XXXX XXXX  # XXXX Started process in XX/XX/2020 process took much longer than expected originally had 3.38 % interest rate with {$4000.00} lender credit and loan was conditionally approved after sending them all the requested documents and any additional documents within 48 hrs of request. 
due to the delay and long process on Mr cooper side, lender credit has changed and they do not offer that credit anymore. 
Appraisal was ordered which costed me {$650.00} Tried to call loan processor, underwriter, their manager and no answer or call returns. 
I started working with another lender to stop my losses but I can not get the same deal anymore. I can get the interest rate but not the lender credit I am asking for : 1.  {$4000.00} difference in lender credit 2. Appraisal to be transferred to new lender or appraisal fee refunded. 

Third Loan : XXXX XXXX XXXX Loan # XXXX Started process in XX/XX/2020 process took much longer than expected originally had 3.86 % interest rate with {$3000.00} lender credit and loan was conditionally approved after sending them all the requested documents and any additional documents within 48 hrs of request. 
due to the delay and long process on Mr cooper side, lender credit has changed and they do not offer that credit anymore. 
Appraisal was ordered which costed me {$690.00} Tried to call loan processor, underwriter, their manager and no answer or call returns. 
I started working with another lender to stop my losses but I can not get the same deal anymore. I can get the interest rate but not the lender credit I am asking for : 1. {$3000.00} difference in lender credit 2. Appraisal to be transferred to new lender or appraisal fee refunded.
Consumer complaint received 2023-03-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In XXXX of 2020 I had one late payment for my loan through XXXX now XXXX. They agreed through phone calls that they would delete the one late payment because it was in the beginning of covid-19 and I had not had another late payment since on the account. 
XXXX has not updated my account it still shows late reporting on my XXXX acct. Please remove the late payment as agreed through phone calls.
Consumer complaint received 2021-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

I have given all supported documents pertaining my account that nothing was fraud on the account had the other party open and bank account and the company still will not release the funds it has been a lot of discrimination going on once I called the bank with other party account information the bank closed is account well a one individual requested it be close they have been giving me a hard time and I also filed a discrimination claim
Consumer complaint received 2021-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the items was deleted from my credit report XXXX, XXXX XXXX, XXXX XXXX XXXX. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2021-01-06
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. (CA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2024-07-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (IN)

This company has overcharged the interest rate way too high. I want my money back for everything. I have multiple dates of when they have taken money from me. 

XX/XX/year> - {$120.00}. XXXX XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00} XX/XX/year> - {$120.00}
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (MI)

Goldman Sacs Bank is reporting fraudulent inaccurate information on my credit report. I have called & mailed this company to report this fraudulent account.

Goldman Sacs Bank is now reporting this account as charged off. I have requested that they provide all documentation regarding this account ownership so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2021-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2019-10-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I have been disputing this collection for the past couple months. Equifax has stated that this account was verified, but has failed to provide verification. The collector only provided me with a screenshot of an itemized statement of charges. They did not provide me with any original contract bearing my signature proving this debt. 

XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Information is inaccurate from credit bureau. Report is stating closed from XXXX and Experian but XXXX is stating open. 
Invalid open dates from all three credit bureaus.Showing a passed due amount when account is reporting as closed. 

Past due stating XXXX Open date XXXX XXXX Experian XXXX XXXX XXXX
Consumer complaint received 2020-08-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (TN)

I purchased my car from XXXX XX/XX/XXXX. SantanderUSA purchased the loan and my payments are {$290.00}. In XXXX our home was sold in a foreclosure scam, after I attempted a loan modification due to my husband suffering a XXXX 2 weeks into his recovery from XXXXXXXX XXXX XXXXXXXX. My husband became XXXX  XXXX and XXXX XXXX. When we became XXXX I spoke to a representative in XX/XX/XXXX, and she assured me, even though we are a month behind, they would not repossess the car. I have been calling and messaging them about changing my payment date from the XXXX, since I am a XXXX on Social Security and get paid on the XXXX. They said I already requested a change of my payment date on XX/XX/XXXX, which is the date I called the representative to inform her we were XXXX, so they said you can only change the payment date once during the loan. Today, I called again ( XX/XX/XXXX ) after I got a letter from SantanderUSA stating Notice of right to cure default and requirement of strict compliance. This is the only letter I have ever received from SantanderUSA, since I purchased the car. They demanded {$420.00} by XX/XX/XXXX and I tried to explain, that I do not get paid till the XXXX, plus I can barely scrape up the {$290.00}. She told me I needed to come up with {$74.00} today, but I tried to explain, that I only have {$20.00} in my account till the XXXX. She then told me they would repossess the car if they were not paid by the XXXX of XXXX. I called another number today, that I got off a Consumer Website, but after I explained my situation, he hung up on me. I have never had any issues with Santander USA until the XXXX XXXX bought them out, in fact they have always been kind and helpful. We do not even have Medical Insurance, because we can not afford the Medicare premiums. We are at poverty level, but do not qualify for extra help. I have even filled out a loan deferment with the company today. They sent me a document to fill out, but they will only defer the payment till XX/XX/XXXX. I have also, tried to refinance the car, but they say they no longer are doing refinancing. The representative, XXXX asked if I could borrow money from anyone to pay the amount. I replied, I have no one to borrow money from at all.
Consumer complaint received 2022-06-02
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. (WI)

In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. Accounts Below : US DEPT ED # ACCOUNT XXXX XX/XX/XXXX XXXX  # ACCOUNT XXXX XX/XX/XXXX US DEPT ED # XXXX XX/XX/XXXX XXXX XXXX XXXX  # ACCOUNT XXXX XX/XX/XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX # ACCOUNT XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX # ACCOUNT XXXX XXXX  ACCOUNT XXXX XX/XX/XXXX CHAPTER XXXX BANKRUPTCY # ACCOUNT XXXX XX/XX/XXXX
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL (PA)

Syncronony bank that have me under XXXX. I been arguing and thought I lie about fraud or XXXX rate delivery service that never sent my 2 big screen tvs or XXXX with games. It is so messed up because they claim they can't give antly information about XXXX $ in tvs that it took so long BECAUSE XXXX  had no delivery service at time then got one but they never delivered 2 big screen tvs. Then I have XXXX but not whattheyvare saying I have. I got one XXXX ago. The way they handled this has made me want to sue them and show how they ly rip people off 3 times now. Well I will sue them cause they have XXXX I XXXX about anything saying I got 2 tvs and XXXX. I forgot about XXXX  but I'd lf I lie about getting tvs or XXXX is a felony. I never recievedcanyb9f these it's. Then they inocked off 5 cedit cars that equalled XXXX XXXX dollars so it now because I never used those cards mean I gave to come up XXXX XXXX in ashso my credit to ratio is XXXX. Never missed 1 payments not one payment on any accounts clever. XXXX XXXX companies have XXXX  a veteran of 4 alwars that 1 award is 4 times over that never got in troubled or lied. XXXX believe especially sycronony XXXX  me XXXX XXXX XXXX XXXX reason. It is illegal tondo this.
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (NY)

Capital Accounts placed a collection on my credit reports. I have been disputing this account on a monthly basis for more than 2 years. CA keeps reporting that the account is a valid account. I have sent letters on XX/XX/XXXX and XX/XX/XXXX asking for validation of the account by providing me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). I received 2 responses each with the same canned response ( 2 page letter ) indicating that they have accompanied the letter with an " itemization of the debt. '' The second pages of each of these letters is a blank page with a barcode in the upper right corner that matches the barcode from the first page of the letter. This is not a mistake. I also received a call today on XX/XX/XXXX from XXXX at CA asking me to make payment in the amount of {$600.00}. I again insisted they delete the item from my credit report as they are not able to validate the account because there is no account. There is no proof that validates this debt because there simply is none that exist. Capital Accounts is in violation of the law 611 ( 5 ) ( A ) of the FCRA and is required to delete this collection account from my credit report files.
Consumer complaint received 2021-01-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NJ)

Per the federal truth in lending act, the printed APR on a retail installment contract must reflect all interest and fees paid by borrowers. Santander Consumer USA charges a bank fee which is paid back as part of amount financed and is not reflected in APR, ergo it is a fraudulent loan.
Consumer complaint received 2020-10-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (PA)

I called the creditor about these 2 accounts via telephone when i saw them pop up on my credit report to validate these debts..they could not do so ... .I disputed these accounts with the credit bureaus and penn credit " verified '' them ... how can this be validated and verified with all of the incorrect reporting on the report? first off ive read on line that having a letter in the account number is a violation of metro 2 5 points of compliance yet both the account numbers contains the letter C in them, the dates of last active and dates of last reported are all inconsistent throughout all 3 credit bureaus ... .all of the comments are inconsistent as well through the 3 bureaus ... .there are multiple violations..there is no way that penn credit, the original creditor or any of the 3 credit bureaus did an full and complete investigation when the reporting is totally inaccurate.
Consumer complaint received 2021-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

I have a random debt collection from some company called Caine and Weiner on behalf of some other company XXXX XXXX. I have never heard of either one of these companies and do not owe them anything.
Consumer complaint received 2017-05-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Perfection Collection (IL)

This company contacted me threatening legal action around  XXXX   XXXX ,  2017  regarding a debt owed and left a voicemail informing me that that I needed to be available at my home between  XXXX  to receive and sign paperwork, with my proper identification, being delivered by a private courier regarding legal action. I called the company back since no information was left in the message regarding what the call was regarding and the representative gave me further detail to contact Perfection Collection, which they were calling on behalf of.     Needless to say, no one showed up at my home, but I have continued to receive the same harassing phone call, more recently on  XXXX  leaving the same voice message.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (SC)

In XXXX of 2023 I ordered some clothing to take with me on my XXXX. I ordered off a site called XXXX XXXX. Once I opened the package I realized all the items were not there, I immediately emailed the store, and I never got a response. I tried to file a claim with affirm and never got a response. I did not feel it was okay to have customers pay for products they did not receive and then ignore their efforts to reach you. Recently affirm placed a late payment on my credit report which was devasting because I take pride and paying my bills and on time, so I have reached out to them several times about this matter and finally on XX/XX/XXXX I was told I needed to reach out to the company they could not help me because it was over the time period they allow to file disputes. So, the fact that I have been ignored does not matter or the fact that i have spoken to affirm representatives multiple times. I feel defeated because I am getting ignored by one company and the other ( affirm ) won't help. My credit is affected by this and it is truly disappointing. I recently set up a payment plan to get the balance paid off just so i can try to savage my credit and not let it go to collections, but this is very disturbing.
Consumer complaint received 2022-06-03
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. (AZ)

In accordance with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (CA)

This is regarding the : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX When we moved out of our apartment in XXXX, CA. We were never informed or asked for a forwarding address after we moved out. We were given the impression just to turn in our keys and vacate the apartment in a clean and orderly manner. We weren't aware that we were gon na get billed let alone sent to collections. The only reason we were made aware of the collection on the bureaus was when we were getting ready to purchase a Home. We have since paid this debt in full. But this is still an issue because we are now trying to refinance our home and it's showing a as a negative on my bureaus and causing me not get the refi or pay a higher interest rate. This is simply not right and I'm asking for your help.
Consumer complaint received 2023-01-31
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. (GA)

I recently reviewed my credit report and noticed inquiries that I did not authorize. I never gave XXXX XXXX to review my credit profile. 

XXXX : XXXX Transunion XX/XX/2023, XX/XX/2023, XXXX/XXXX/XXXX