davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Nationstar Mortgage LLC d/b/a Mr. Cooper ( henceforth, XXXX Mr. Cooper '' ) forces you to be their good graces and does not allow payment prior to the due date when setting up an auto payment for your mortgage. 

Their website does not allow for payment prior to the due date, and their auto-payment policy says " The date that you choose must be within your grace period or your request to set up AutoPay will be denied. '' I do not want to be in their " grace period '', I want to be able to pay my bills before the due date as I would be concerned about the paper trail created. What if there is a dispute at some point between a payee and Mr. Cooper and they could say something that the payee " never once paid before the due date ''. 

This semantic thing going on with due dates, grace periods, and " The date that you choose must be within your grace period '' seems like an effort by Mr. Cooper to have leverage over there clients. 

What is the reason for preventing payment before the due date? Why would any company prevent payment before the due date? Money now is worth more than money later. Can anyone contrive a reason for this policy that is not an attempt to have one over on the consumer?

Attached is Mr. Cooper 's auto-payment agreement, and a bi-weekly ACH application.

I also have two letters they sent to me in response to my questions ( Letter 1 and Letter 2 ) that I will quote from, but am not including the attachments for anonymity 's sake.

Notably : - Letter 1 mistakenly says that you can setup " any date '' for automatic payments. This is wrong.

- Letter 2 suggests a work around to bypass some of the controls on the website that involves paying using a one-time payment before the month it is due and the immediately setting up a auto-payment that would pay a month before the due date. This work around fails on two fronts. 1. It is against the auto-payment policy. 2. It forces you to pay the XXXX through the XXXX of the month before the due date and not the XXXX through the end of the month. 
- The Biweekly ACH payment once again has the same issues. You can pay the early, but only if you agree to be making half the payment in the first half of the preceding month.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

For the past year and a half I have personally been trying to clean up and manage my credit. My credit is at its worst right now but as soon as I start having items removed for violations or even debt paid in full a random item happens to appear. 

About XXXX months ago this item has appeared out of know where on my credit. I have no clue who XXXX XXXX XXXX is nor have I ever done business with this copy. 

So I sent a Validation of Debt to the address provided by XXXX, XXXX, and Equifax but only to have the mail returned. How can this company randomly put a item on my credit report and have a incorrect address? How can XXXX, XXXX, and Equifax allow this? I then send a proof the letter was returned to me to all three major credit bureaus. 

The account was never properly investigated if it were investigated at all. The all came back verified. How can you verify this company with they are not reporting a correct address on top of not having a phone number listed? 

I have a new born baby less than XXXX months old. How am I suppose to purchase a new car so I can get him to his new XXXX XXXX XXXX?
Consumer complaint received 2024-03-14
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. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-01-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY (CA)

On : XXXX XX/XX/2022 Wells Fargo doesn't want to give me back {$98.00} of a Overpayment of a Personal Loan, that I have with them, because my Checking Account that I have with them, is Overdrawn.
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2023 at XXXX XXXX  EST To : Synchrony Bank XXXX Cc : XXXX Subject : Re : XXXX, Take action on your PayPal Credit account I do not have an account with Synchrony. I am reporting Synchrony Bank to the CFPB. I can be reached at the number below. 

XXXX XXXX XXXX XXXX On XX/XX/2023, at XXXX XXXX, Synchrony Bank XXXX wrote : Account Ending In XXXX | Log In You missed a payment. Lets get back on track. 
Hi XXXX, Your PayPal Credit account is past due. Reminder, XXXX reports your account status to XXXX, XXXX and XXXX credit bureaus monthly. 
Your minimum payment due includes the past due amount of {$29.00}. 
Current Balance Minimum Payment Due Due Date {$110.00} {$69.00} XX/XX/2023 Make a payment today or schedule a future dated payment by opening your PayPal App We're here to help XXXX Call us Weekdays XXXX XXXX.- XXXX  Weekends XXXX XXXX.- XXXX XXXX.XXXX. ET Note : This email is an attempt to collect a debt and any information obtained will be used for that purpose. Account is owned by Synchrony Bank. 

If you do not wish to receive any future collection communications from us via email, please click here to unsubscribe. 

This email was sent to you by Synchrony Bank to provide important information about your account. You may receive collection emails even if you have requested not to receive email marketing offers from Synchrony Bank. For more information about the security of your information, please read the Synchrony Bank Privacy Policy. Synchrony Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, XXXX. 
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at https : //www.identitytheft.gov. 

This is an unmonitored email box. Please do not reply to this email. 

We respect your privacy. Click here to read our Privacy Policy. 

2023 Synchrony Bank
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the fair credit Reporting Act XXXX XXXX XXXX  XXXX Account number XXXX, and XXXX XXXX XXXX  XXXX Account number XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2019-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NY)

DCI ( Diversified Consultants inc ) called my home phone number at XXXX XXXX on XX/XX/XXXX about a {$71.00} debt supposedly owed to XXXX XXXX XXXX. This was paid on XX/XX/XXXX. I explained this to the representative and was told that I need to have documentation proving this. I gathered the documentation and called back. I was told that they opened a dispute and instructed me to upload the documentation proving I paid it by going to the website ( dcicollect.com ) and clicking on the dispute claim form. https : //www.dcicollect.com/ When you do, you get an error 404 form not found. https : //www.dcicollect.com/support/disputes/ It is absolutely unacceptable that you can not actually provide documentation to the collection agency to clear the dispute. ( The only choice that works is either to pay or to report fraud ). I called DCI back and spoke to XXXX XXXX, who informed that all he could do was pass this to IT to have them look into it. I asked how I could clear this debt today and was told its not gon na happen.
Consumer complaint received 2022-01-30
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. (FL)

I have reached out to Experian, XXXX, and XXXX on multiple ocassions and via phone, mail, fax, and online disputing to have these errors corrected and they keep reappearing or being ignored. 

My personal information on my credit report should read as follows : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX EMPLOYERS : XXXX XXXX XXXX, and XXXX XXXX XXXX Anything other than what is written above is inaccurate and needs to be removed. I have contacted the companies associated with any accounts that may have it listed wrong, but it is STILL listed wrong and Experian, XXXX, and XXXX refuse to fix it. 

XXXX : NAME : XXXX XXXX- Not my name EXPERIAN : NAMES : XXXX XXXX. NOT MY NAME XXXX XXXX  NOT MY NAME XXXX XXXX XXXX NOT MY NAME XXXX XXXX NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXXXXXX XXXX NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, FL XXXX XXXX : MY CURRENT ADDRESS IS LISTED INCORRECTLY. 
CURRENT ADDRESS IS : XXXX XXXX XXXX XXXX, FL XXXX NAMES : XXXX XXXX. NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXXXXXX XXXX  NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL XXXX
Consumer complaint received 2019-09-12
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

i have a bankruptcie on my trans union report I have sent dispute letters from the courts, XXXX XXXX an my self show that the information on my report is incorrect i ask for the info to be removed trans keep saying its accurate i have sent the letter over to trans union to show that thr info is wrong they keep reporting this its been 7 months they are not giving me any correct info its hurtin my credit i have put a freezee on my report
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I was involved in a car accident and my vehicle got totaled out and my insurance company was responsible for paying off the car the had written up a settlement which I have a copy of and has sent XXXX a check for a little more than XXXX and gap insurance was responsible for paying the remaining balance gap had yet to send in their portion of the check to finish paying off the car so XXXX put on my credit report that I was XXXX days past due for a payment after recieving the check from XXXX XXXX. This process is stopping me from being able to get another car because of this inquiry my credit score has dropped it was XXXX and has dropped to XXXX. I was never late with a payment on anything and when I did have my car I was never late on a payment with them. I 'm trying to get a new car and because of what they did to me it 's hard because of my credit score being so low now please help me
Consumer complaint received 2023-02-24
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. (DC)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2021-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX 2021 until today i recognize a lot of mails and phone msg and phone calls about incurrence company of health, home, auto motor, Checks loan and death ..., been calling me and i who ever took the money at my account of bank of America got my all information i think and he be receive my emails i been get some of them and some i dont get it and i call the police about that and i make a report like golden XXXX XXXX at XXXX in XXXX XXXX XXXX call me and said im ready to bring a XXXX $ to get a car but when i went it was all wrong and he was lying too and i make report about him but he get my information from the applying that other people make it and i went to go see how and why it was at XXXX but he already check my account from XXXX and ask banks and loan company for credit without my permit and more then that too i been screenshot and try to collect the most but its alot of scam under my ssn and my id and i cant even know because i dont receive mail or all of my mail i really got no even XXXX $ now or job because some one steal my legal paperwork and id from my mails and my home and i report the most and any place i can claim with it and im still waiting from bank of America to respond about my first claim of my XXXX $ that took from me i really just want all this scam and fruad to stop under my name so i can have goals and start my college ...
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (FL)

Accordance with the Fair Credit Reporting Act XXXX  Account : 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. 


XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XXXX XXXX XXXXXXXX Got a called, which seemed to be a scam. They stated that I owed 5/3rd  bank XXXX dollars from XXXX. 

I hung up and called 5/3rd bank and they confirmed that I never owed money to them, I had an account prior to XXXX. 

I called back after speaking to 5/3rd bank and when transferred to the " case manager '' the receptionist wasn't muted and she was making a lot of negative comments. I asked what kind of scam they were running and she said they were sending it off to an attorney and hung up. 

They were predatory and pushing for me to pay over the phone. Insisting my current bank accounts would be frozen if it was not paid by end of business and an attorney im my jurisdiction would be filing suit.
Consumer complaint received 2019-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$4000.00}, {$700.00}, {$3000.00}, {$3000.00}, {$4000.00}, {$1000.00}, {$3500.00}, {$100.00}, {$10000.00}, {$21000.00}, {$7500.00}, {$9000.00}, {$360.00}, {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

- ACCOUNTS - 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5700.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX XXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 

10XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 

12XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

XXXX XXXX 14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$360.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3400.00} -This is not my account.
Consumer complaint received 2019-11-29
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$4000.00}, {$700.00}, {$3000.00}, {$3000.00}, {$4000.00}, {$1000.00}, {$3500.00}, {$100.00}, {$10000.00}, {$21000.00}, {$7500.00}, {$9000.00}, {$360.00}, {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

- ACCOUNTS - 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5700.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX XXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

7XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account. 

9. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXXwith a credit limit of {$10000.00} -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXXwith a credit limit of {$21000.00} -This is not my account. 

12. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

13. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

XXXX XXXX 14. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$360.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3400.00} -This is not my account.