davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I refinanced my mortgage with XXXX in XX/XX/XXXX in order to take advantage of a lower interest rate and to lower my payment. My new mortgage payment at the time of refinancing was XXXX per month. This XX/XX/XXXX my mortgage payment unexpectedly increased to {$3300.00} which is an increase of {$570.00} per month. I have contacted multiple people from XXXX and I was told that I would need to contact NationStar as they were the servicer of the Loan. After multiple calls I was able to find out the escrow account was either underestimated, or running negative balance from XXXX of XXXX that was not accounted for when my refinance was processed. This led to me having an escrow shortage of {$5100.00} going into XXXX. Due to the negligence or carelessness of either Nationstar or XXXX ( during origination ) my mortgage payment has now increased 20 % to an amount that is considerably more that it was prior to my refinance. 

Nationstar has given me the option to make a one time payment for the full amount of the shortage or to spread it over the year. Nationstar also mentioned they may be able to spread the shortage over two years but it is still unclear as to what happened and why the shortage occurred. This appears to be a systemic problem as a fellow friend that is a veteran is also going through the same issue with Nationstar. Due to the substantial increase especially during this pandemic this not in the best interest for consumers.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (RI)

XXXX / XXXX /  XXXX   Credit Collection Services  XXXX   XXXX   XXXX   XXXX , MA  XXXX   XXXX  This company has continued to call my Mother 's home after I have sent several letters explaining that I do not live there. I am currently dealing with illness. I have filed for  XXXX . I have no job, no income and therefore no means to pay my outstanding debt. I am not trying to get out of paying them - I simply have nothing. My Mother receives many calls from them weekly. This has been going on for almost a year. I have explained to them she is recovering from  XXXX   XXXX   XXXX  and is still undergoing treatments. I have begged them to stop calling her number. They have not stopped.   The numbers they call from are :  XXXX   XXXX
Consumer complaint received 2018-05-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP (SD)

I took a loan from US Bank. It was a short term loan for me but I was advised that I would have a {$100.00} penalty if I paid in less than a year which was XX/XX/XXXX. They lost my {$100.00} payment transfer in XX/XX/XXXX. It took 4 phone calls over the course of 10 days for the payment to be found however it was deducted from my checking account immediately. This was eventually resolved. 
I paid again in XX/XX/XXXX at which time the payment transfer was again lost. This took several calls at which time I was told the remaining {$100.00} balance of which I paid {$50.00} was a penalty for paying off early. It had never been disclosed this penalty was part of my ongoing balance. I advised them of this and that I did not want the loan closed to prevent the penalty from being charged. I requested the statements from the checking and loan accounts. I was told there would be no fees for these statements. The bank then closed my loan and kept the {$50.00}. I did not receive the loan statement so I called again. The agent advised I would be charge {$15.00} for the statement. I indicated several times during that call I was not willing to pay that fee. I received a one page statement and was charged {$15.00}. I requested both of these amounts be returned to me on several occasions and this was refused. 
In XX/XX/XXXX, I received a letter that US Bank was going to take a home owners insurance policy on my home based on this loan unless I provided documentation that my home was insured. When I called regarding this letter, I was told that I had to close the account in order to prevent this insurance and being charged for it. I requested the account be closed. ( Keep in mind I paid a penalty for closing the account in less than a year, even though I specifically stated that I would not close the account until the year had passed. ) The agent indicated I needed paperwork to request that or I would be charged for the homeowners insurance. I requested the paperwork which was not received within the 2 days I was told it would be sent. Two weeks later I called again. This agent indicated she could close the account over the phone. When I asked her why I would be charged for insurance when I owed no money, she said she did not know and could not investigate on a closed account. I have no idea if the account indeed did get closed, or if I will be charged for homeowners insurance that US Bank decides to take on my home. I have requested written confirmation.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (LA)

On XXXX XXXX, a credit card was opened fraudulently in my name with Synchrony Bank. The credit limit issued is {$6500.00}. The balance updated XX/XX/2023 is {$1000.00}. The contact info is XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (TX)

I was contacted by an unsolicited telemarketing phone call on XXXX XXXX 2014, by a salesperson named XXXX from XXXX, she asked me to pay {$390.00} for a package including XXXX websites : XXXX for shopping, XXXX for travel and XXXX for green products, and I would make 15 % commission on anything sold on these sites, including commission on my own purchases, I paid the fee with my Amazon Visa Card, later on about a week after XXXX called me again and offered me a new package, It would cost me {$10000.00}, she said I would be part of a special group of customers that would participate in a year long marketing campaign. I would be paid a referral bonus of {$100.00} for any new people that signed up for a website package like I did.I was also told that I would receive a 5 % commission anytime anyone clicked on a banner and placed an order linked to my website. She told me this program would also push to each of my websites and that I would be able to monitor that traffic. I was told that this service would also include a lot of work on my new websites to make them more unique. Needless to say I ended up paying that fee once again with my Amazon Visa Card. 

I checked my websites and they were all spelled incorrectly, from what me and XXXX talked in the beginning, so any traffic being pushed there would be a waste of time, I contact them and requested that they correct the problem.They did a couple of weeks later but also I got notified on XXXX XXXX that my " year long '' advertising campaign had ended, I paid for a year and I got that notification 3 months after, I informed them I paid for a year and I expected a year 's worth of service, they ignored my request. They were stringing me along with excuses every time I called them. I contacted customer service around XX/XX/XXXX and found out I had a new account manager named XXXX XXXX. He told me that my websites were being totally reworked and that I would be happy with the results. I have n't heard from him in the next weeks.Then I got an email from Customer Service talking about " the new affiliate process ''. It was then I saw that my XXXX websites had been transformed without my permission or knowledge to an Amazon affiliate site. I called and asked what was going on and XXXX told me the company has changed hands, I was not happy with the site at all. I told him that this materially changed the contract I had entered with AOD XX/XX/XXXX and that I was n't happy with the change, after I sent that email XXXX did not return any more calls from me, then I found out later that my site was switched to XXXX. They breached the contract and they effectively put me out of business by shutting down my website.
Consumer complaint received 2024-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

LVNV reported negative information on my credit report which they are going through other third parties Resurgent and XXXX which is a violation with the FDCPA privacy violation. Why is my personal information being shared? Asked them to remove and they havent. Also asked them to provide bill of sale, 1099C from original creditor and proof of contract I signed with them. They havent provided this. I should be compensated for these violations and the XXXX  they are causing.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: JPMORGAN CHASE & CO. (PA)

To Credit dispute department : XX/XX/XXXX - Contacted Chase Services about account {$8300.00}, was informed that they would be sending me a XXXX form for balance on account. 
XX/XX/XXXX taxes, filed XXXX XXXX, XXXX {$8300.00} Reported as income from form XXXX from Chase Card Services, included as income reported for the year, and paid taxes for same. 
XX/XX/XXXX - Attempting to qualify for a mortgage, contacted Chase services again, to request that the amount of {$8300.00} be removed from my credit file, after having received XXXX and reported amount as income XX/XX/XXXX. 
XX/XX/XXXX - Am told by Chase Services that the only way the amount will be removed from credit report is if {$8300.00} is paid to them to XXXX the balance on the account. Have spoken with various entities at Chase, provided the XXXX form they sent me, but they refuse to XXXX the balance on my credit report. Can anything be done? '' XXXX has XXXX out the balance but XXXX and XXXX has not changed it. I have the XXXX form if needed provide me with fax or email to copy and send. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2024-06-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OR)

On XX/XX/2024, I signed up for a new crdit card with Chase bank. The promotional offer that I signed up for was XXXX XXXX XXXX miles after spending {$3000.00} in the first 90 days. I met this threshold but only received XXXX miles from Chase. I contacted Chase to recitfy this and sent them screenshots showing that I signed up for a XXXX mile offer, but they said they didn't have a record of that and refused to credit me the miles I am owed under the original offer.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

Was not receiving ANY statements even though they had my correct address. Called twice to complain. They hit me with multiple outrageous late fees in a short period of time and multiple hits to my credit. Did not offer solutions. Company was VERY difficult to get in touch with by phone, as the number was hidden in tiny print buried in pages and pages of text on the original documents that I received upon taking out the card. There was NO contact information available online. The company was very rude when I finally got ahold of them and did not offer any solutions. They put XXXX hits to my credit AFTER I chose to close the card, and these are the only XXXX hits to my credit in 15 years. They are predatory and intentionally gouging people with late fees and hard to reach by phone or email.
Consumer complaint received 2024-01-31
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. (TX)

I am writing to dispute certain accounts that have been listed on my credit report, and I am concerned about the discrepancies and potential fraudulent activity associated with them. Upon reviewing my credit report, I identified the following accounts that raised significant questions due to inconsistencies in reported information : 1. XXXX - ( Account # : XXXX ) 2. XXXX ( Account # : XXXX ) 3. XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX I am troubled by the incongruities in the details, such as outstanding balances, dates, amounts, and credits, as reported by different credit bureaus. Additionally, I have not initiated any recent credit applications or authorized anyone else to apply for credit on my behalf. Therefore, the inclusion of these accounts on my credit report raises concerns about potential fraudulent activity. 

I kindly request a thorough investigation into these accounts, and I would appreciate your assistance in providing the following information : Verification of the accuracy of each account listed above. 
Clarification on the source of information and the verification process employed. 
Confirmation from the assigned creditors regarding the ownership of these accounts. 

Given the seriousness of this matter, I urge to expedite the investigation and, if necessary, promptly remove these potentially fraudulent accounts from my credit report.
Consumer complaint received 2024-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NJ)

On XX/XX/year> @ XXXXXXXX XXXX I received a phishing/ scam email from what appears to be the XXXX XXXX, thats part of Best Buy internal computer repair department. The email further reads about the purchase coming from XXXX department store, very confusing as these are two different stores and have nothing to do with each other!! Cost reads {$320.00} for XXXX XXXXXXXX XXXX Ridiculous. Hopefully, your agency can do something or forward this to the appropriate agency for further investigation of fraud
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

I called Experian today. The person that answered the call had a heavy, non XXXX accent. This threw me off be cause the XXXX credit bureaus, specific to the USA alone, play such a vital role in US citizens being able to obtain mortgages, credit or even employment. When they said their name, they mumbled it. I asked them to please repeat it. They hesitated and repeated it. Her name was either XXXX or XXXX. I asked if the call center was located in the United States. They got upset and didnt want to say. They asked me for the same PII I had already entered into the system via the AI system. I was uncomfortable giving this person my information again. I told them that I had entered my information into the phone AI system already. She was very rude and said she needed the information again in order to verify my identity. I told her that their system already verified me before she picked up the call. She thought I was trying to give her a hard time. These people seem to have no concept or care for how sensitive our PII is. They dont seem to take into account that a large number of the people that end up calling them are doing so because they have been, or currently are, victims of id theft. My credit score had suddenly dropped XXXX points yesterday and I was trying to see why because there was no unauthorized accounts listed on my credit report. There was also some other incomplete information on my report that I needed them to research and clarify. The information I was reading wasnt adding up. I asked her if she would be able to help me with this and she refused to even let me know if she even had the ability to help me with this type of request. She was very pushy, like how those international scammers like to be pushy, and told me she would not even let me know if she could help me unless she gets my information. The sensitive PII that I had already entered into the phone system before she picked up my call. It is absolutely horrifying and appalling to know that our sensitive information is being accessed by disgruntled, foreign workers whose employment isnt even regulated by the US department of Labor. Who are these people that US citizens are having to call when we try to reach out to customer service at these credit bureaus? I thought these credit bureaus were regulated by the US government. The number I called was : XXXX. I got this number off of the Experian website. These credit bureaus should be hiring thoroughly background checked US citizens to assist US citizens with these specific and highly sensitive matters. My sense of trust and reality were violently shaken today. You must fix this. 

Very respectfully, XXXX XXXX
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (MI)

There is debt on my credit report that I did not create. I suspect someone opened an XXXX XXXX XXXX account in my name and now it is fraudulent, past due several years, and with collections. I didn't realize what happened at first and then discovered it later and am trying to recover my credit. 

I suspect it was my mother who had access to my social security number, but I'm not sure how I am able to prove this or why XXXX XXXX XXXX let the services last for so long without terminating as the bills were not being paid.
Consumer complaint received 2023-02-16
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: Bread Financial Holdings, Inc. (MD)

I received a notification from several credit monitoring services for a credit card application/ID verification that I did not submit for Comenity CB/ULTA MC and Alliance Data on XX/XX/2023 XXXX 

I called Comenity to report fraud on XX/XX/2023, and they should have denied the application.
Consumer complaint received 2023-07-18
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. (TX)

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

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : OFFICE OF THE ATTY GENER Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-05-30
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. (NY)

On XXXX i sent the following letter via certified mail to all three credit reporting agencies. 


To whom it may concern, I have recently received my credit report and would like the following inaccurate information to be investigated. These inaccuracies are negatively affecting my life and would like them removed. 

XXXX  XXXX XXXX Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ Experian XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ Experian XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ Experian XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] Please send me a new credit report reflecting these changes. 

Thank You XXXX XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are still differnt date last active being reported on each account. 
I have attached 2 credit reports, a credit report before and after the investigation.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-29
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. (OH)

I reached out to the credit bureau on XX/XX/2023 and would like a reinvestigation I still have inaccurate information on my report! 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I hope you would be able to help! I will list the accounts below! 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX