davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NH)

Company involved is Nationstar DBA Mr. Cooper and the nature of my complaint is I am being double-billed in transfer between mortgage servicers. 
On XX/XX/XXXX I made the last payment ( due XX/XX/XXXX ) to the prior servicer XX/XX/XXXX On XX/XX/XXXX I received notice from XX/XX/XXXXthat the loan was scheduled for transfer to Mr. Cooper, effective XX/XX/XXXX. 
On XX/XX/XXXX I received a notice from Mr. Cooper welcoming me to their servicing of my loan. 
On XX/XX/XXXX I received an incorrect notice from Mr. Cooper that a payment was due to them XX/XX/XXXX - note that this is PRIOR to the effective transfer date and redundant with payment already made XXXX XXXXXXXX XXXX. 

I made a manual payment to Mr. Cooper XX/XX/XXXX, for the actual payment that was due XX/XX/XXXX, out of concern that the autopayment process would not be set up in time for the XX/XX/XXXX due day as I had been recently transferred. 

On XX/XX/XXXX an autopayment to Mr. Cooper did occur. I consequently later called to reverse one of the two duplicate payments, XX/XX/XXXX and XX/XX/XXXX, which were both for the payment due XX/XX/XXXX. 

Since this reversal Mr. Cooper believes I am one month behind on my payments despite consistent payment at the beginning of every month ever since. 

The source of this problem is the erroneous double-billing for the payment due XX/XX/XXXX, which was DUE PRIOR TO MY TRANSFER and which had ALREADY BEEN PAID TO THE PRIOR SERVICER I had a 2 hour phone conversation on XX/XX/XXXX during which a representative repeatedly failed to acknowledge my concerns and merely repeated Mr. Cooper 's erroneous information. I was told a manager would look into this and I would hear back. I did not ever hear a response. 

XXXX weeks later I submitted a written complaint to the company. They again stated they would look into the complaint and I would receive a response in 7 business days. They eventually did respond merely with a reiteration that their information was correct- without actually providing any information to contradict any of my claims- and that my loan payment made XX/XX/XXXX had been applied to the payment which had been due XX/XX/XXXX ( which retains a 1 month inaccuracy which has persisted ever since my original transfer ).
Consumer complaint received 2017-01-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Citibank advertised the promotional bonus in XXXX stating that after 30 days of satisfying the deposit requirement ( of new {$15000.00} ), {$400.00} bonus would be deposited in the customer 's account within 90 days. I opened a checking account and deposited {$15000.00} on XXXX/XXXX/16. As of XXXX/XXXX/16, it has been 120 calendar days and I still have not received the {$400.00} promotional bonus. I called customer service to open an investigation. I checked back today and was advised a letter will be sent to me in regard to the bonus. I still have not received the {$400.00} promotional bonus as promised by Citibank.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-02-01
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: Experian Information Solutions Inc. (UT)

XXXX & Experian is violation of 15 U.S Code 1681i ( XXXX ) ( B ) ( ii ) ( XXXX ). These items was deleted and you reinserted them without notifying me XXXX business days after and certifying that the items was validated properly. 

and failure to respond in 30 days FCRA Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to XXXX & Experian to report anything on my consumer report.
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (TX)

I received a letter from XXXX XXXX for a debt owed to Velocity Investments. It is for a debt according to them that is from XX/XX/2005. That is XXXX years ago. They do not specify who the debt is for. I do not want to call for fear it is a scam.
Consumer complaint received 2024-03-12
Product: Credit reporting 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. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-02-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (MI)

Mobiloans LLC is trying to charge me a Usurious interest rate of XXXX XXXX on a loan of {$1800.00} Account Snapshot XXXX Approved Credit Amount {$1800.00} Current Principal Balance {$1700.00} Current Fees {$230.00} Total Account Balance {$2000.00} Total Past Due {$150.00} Total Amount Due {$300.00} Scheduled Payments XX/XX/2022 Past Due Payment {$150.00} XX/XX/2022 Minimum Payment Due {$150.00} Transaction History : See Attached Transaction Summary
Consumer complaint received 2023-06-11
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 — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO. (CA)

reported late payment are not true and must be removed from my credit report.I have disputed with XXXX and problem was not fixed FMC-OMAHA SERVICE CTR XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX There system is wrong and these dates shoudl not have been posted, it was a mistake and must be fixed. thank you
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Equifax, has a number of inquiry on my credit report. That, I didn't authorize. XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, which I Don't know these companies, I'm never done business with them. This company does not have a contact with my signature.
Consumer complaint received 2017-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

Chase changed my card without my authorization forcing me to lose points and a XXXX travel credit I want them to compensate XXXX point for my timr How can they arbitrarily open my account
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Arbitration — 
Company: AMERICAN EXPRESS COMPANY (KS)

I requested a mediator from American Express XXXX months ago regarding them removing XXXX points from my account, unlawfully and against their own terms and conditions. 
I have not been granted a mediator, and I am considering taking personal legal action. 

I expect a mediator to review my account and the paper claim I submitted to you guys 2 months ago. I expect this to happen in an appropriate timeframe and I expect a call back from someone on this letting me know that the mediator is working on it and a realistic timeframe. Keep in mind I have already been waiting 2 months. this is unacceptable. I used to love my relationship with amex but this has been horrible. You guys are treating me just awful and not even granting me a mediator even though I followed the steps. Please do the right thing.
Consumer complaint received 2022-02-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-12
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. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

For about XXXX  months Amerisave was trying to get me approved for a home refinance. About a month ago I'd call and email my loan specialist to let him know that if he was having a hard time to get me approved to go ahead and cancel the process and get my refund of XXXX XXXX dollars they asked for to initiate the process. 
On my email and phone call I'd told the Loan specialist to cancel before sending the home evaluator, he responded saying, XXXX, it's a process and I'm still working trying to get you approved. 
A month later the home evaluator called to set up a time to go check my home. 
My first thought was, great I guess I have been approved. 
Why will the company send the evaluator to do an inspection if the loan hasn't been approved???. 
A week after that, my loan specialist call me just to let me know that they can't approved me for a loan refinance. My response was that's fine just send me my refund please. He responded I will let my manager know. 
A week after id call him again to find out the status of my refund, he said I'll let my manager know cause I don't know if we're going to be able to do that since we have to pay the home evaluator. 
If this company tell their customers that XXXX XXXX dollars may be gone from your bank account regardless if you get approved or not, I'm sure that customers will think twice about paying that amount for something like that. 
That was never explained to me. 
That's the reason I'm expecting to get my money back. 
Those malpractices to get people involved in that kind of deal shouldn't be approved by government. 
Mortgage company like this one should be able to explain better what the process it's going to be like and what's involved on it. 
Thank you.
Consumer complaint received 2022-02-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I applied for credit from Capital One ( https : //www.capitalone.com/credit-cards/  ) on XX/XX/2021 and was rejected. The rejection letter explained that my XXXX credit score is missing. I contacted XXXX ( XXXX ) and representatives told me that my credit score was available. However, XXXX agents told me they were not able to determine why Capital One could not extract my score. Anyway, Capital One told me to contact XXXX XXXX and XXXX XXXX told me to contact Capital One.
Consumer complaint received 2022-02-01
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: Experian Information Solutions Inc. (LA)

I discovered XXXX fraudulent accounts on my credit profile, both collectively ranging close to {$2500.00} dollars and both accounts were reported as 'Charged off ' and I had no complete knowledge of them being created at all.
Consumer complaint received 2022-04-16
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. (TX)

XXXX XXXX XXXX # XXXX dated opened have different dates on XXXX and experian XXXX opened date XX/XX/XXXX experian opened date is XX/XX/XXXX high credit is different from XXXX then experian XXXX high credit is {$6500.00} experian high credit is {$0.00} date of last active is different from XXXX then experian XXXX last active date is XX/XX/XXXX experian last active date is XX/XX/XXXX please delete this account for multiply inaccuracies.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I was added as an authorized user on a XXXX Credit card account. The bank informed me that report authorized users to all three major credit bureaus, but on my credit reports it is only being reflected by XXXX as of XX/XX/XXXX. So I am contacting you to please send letters to transunion and XXXX  informing them that they are misrepresenting by excluding the XXXX account on there reports and subsequently hurting my overall credit score. I need them to accurately report my scores so that I can secure a line of credit for my business. Thank you in advance for your time, I greatly appreciate it. ( I also wanted to mention that I have proof of all three bureaus in the form of credit reports from annualcreditreport.com but it will only let me upload the one XXXX this website. Please reach out if you would like the others. )
Consumer complaint received 2022-04-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

For starters I didnt see what I had signed until I took the XXXX XXXX I was given instead of paper contracts. I was promised a 14 % interest rate which ended up being 19 % on a $ XXXX vehicle. I was told if I didnt get an extended warranty the bank would not finance me. Much to my surprise when I finally printed the contracts there it was in bold letters, No need to get extended warranty to get financed? Lies and more lies. Ive paid $ XXXX in XXXX yrs. and only XXXX has gone down. Hows this even possible?

Theyre Predators! And now Ive been asking them to come and pick up the vehicle and they refuse.
Consumer complaint received 2022-02-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX, has been sending me collection notices in the amount of {$250.00}, The collection has been reported as past due. I don't know this company, I have never done business with this company. This company does not have a contact with my signature.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Account on credit report is showing a discrepancy in last payment date of XX/XX/2022 and XX/XX/2022 which is a violation of FCRA laws ( 15U.S.C 1681e ( b ) ).

Never receive a 1099-C form from original creditor ; under the IRS definition of charge off it has become a canceled debt and has to be reported on my income. 
The original company, XXXX XXXXXXXX XXXX sold my account to XXXX XXXX XXXX without verifying me and without disclosing their responsibility which is a violation of FCRA laws ( 15 U.S.C. 1681e ( d ) ) The company, XXXX XXXX XXXX, is not bonded nor licensed to collect in my state of South Carolina. 
Please delete account off my consumer report due to violations and inaccuracies.
Consumer complaint received 2022-12-20
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX open date XX/XX/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX open date XX/XX/XXXX, Account # XXXX XXXX, Account # XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-11-26
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: Bread Financial Holdings, Inc. (FL)

I've been calling for days to dispute a charge on my Comenity Bank ( XXXX XXXX ) credit card. The last time we used this card was in 2017. I have not been able to speak with a rep about disputing the charge, I'm on a never ending hold. I've spent over 4 hours, and all agents are busy message. I tried going online to resolve and the XXXX link for Comenity Bank ( listed on my bill ) doesn't work. When I go to Comenity Bank and try to navigate to XXXX  XXXX I receive a 404 error. 

This happened last year, someone intercepted a coupon in the mail from XXXX XXXX. What's unbelievable is, my XXXX XXXX credit card # is on the actual coupon. What kind of security is this? Assuming someone at the store would ask for an ID. After finally reaching someone at Comenity, they agreed this is a known issue and " has happened more than a few times before ''. Also, please review the attached file, only the last 4 digits of my account # are listed on the top of my bill. If you go to the bottom, my full account # is visible should someone intercept my mail. The card does not have an expiration date, CID, or chip to protect consumers. My card was cancelled after another hour on the phone, so Im not worried about sharing my card # with you.
Consumer complaint received 2022-02-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FinCo Services Inc DBA Current (OH)

On XX/XX/2021 My ssdi was deposited in my account at XXXX am and at XXXX pm my account was charged XXXX from XXXX XXXX at an apple store # XXXX receipt XXXX this is an ATM vending machine. So I called the bank right after I seen this.XXXX  at Current bank told me that I was hacked. There was another phone number on my account. So she changed it then I was told because it had a 10 day hold. I had to let it go. I called everyday and they would not transfer me to a supervisor. XXXX the manger on XX/XX/XXXX th was suppose to call and still waiting. So they would bot transfer me to the fraud dept .so I kept calling was promised an update never happened. XXXX did close my virtual card and I told her that I didn't want it. I didn't even know it was there. I have asked nowb4 times for there notes and I requested a hard copy to be mauled NOTHING email or anything mailed to my house. The decision was thus is what my email said card kept active I ( haven't activated it. ). .UT, token provisioning Yellow No error found case closed.. Thus was an unauthorized charge I don't understand how this could be. The service I received was horribke. I have to calls XXXX XXXX to talk to Current bank. This was all my money..haven contacted XXXX XXXX that's when u was told that it was an ATM  vending machine.I don't even have an as poke accoynt. I have asked them again for the investigation report still nothhing.
Consumer complaint received 2022-02-01
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: Home Loan Center, Inc. (NE)

I was considering looking for a new vehicle and wanted to get an idea of the monthly costs to see if I could afford it. I saw Lending Tree and it was advertised to me that I could use it to see if I prequalified for any loans and see what the rates would look like. At no point did I agree to a hard inquiry from any financing company but now I'm seeing 2 new Hard inquiries popping up on my credit report, as of right now XXXX XXXX and XXXX XXXX. I never asked for these companies to do a hard inquiry. I don't know which companies lending tree reaches out to and I don't know how to reach all them to tell them I'm not interested in any the loans they have to offer especially when I wasn't even sure if getting a vehicle was even possible for me right now.