davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I'm currently having a primary home mortgage with Mr Cooper. I was in the Mortgage Forbearance during Covid-19 pandemic, so the mortgage payments were paused. However, before I exited the forbearance, I contacted Mr Cooper to resume the monthly mortgage payments. In XX/XX/2021, Mr Cooper provided me the modification option after exiting forbearance. In order to get back to regular monthly payment, they set up a trail payments for me for 3 months, and I was told this will be autopayment. However, Mr Cooper messed up and failed to process my 2nd trial payments. After I noticed the situation, I contacted them immediately, then I was told that I was given wrong information, which was not autopayment. Since then, I contacted Mr Cooper almost hundreds of times for solutions, however, no one could really help me to get back to the trail payment again. It just keeps me waiting and waiting. I was left all alone by myself, and I couldn't even make a monthly payment on my account. It was locked in the system. I'm also concerned this would damage my credit report when Mr Cooper keeps delaying it, or even worse, it might cause me to lose my primary house. 
I just want to get back to the trail payment for modification plan because Mr Cooper made the mistake on setting up the payments that caused the issues. I would like to be able to get back to regular monthly payments. Please help.
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (IL)

THIS IS THE THIRD TIME EQUIFAX HAS DROPPED MY CREDIT SCORE AFTER I HAVE DISPUTED A ITEM ON MY CREDIT REPORT, I WAS IN THE MIDDLE OF APPLYING FOR A HOME LOAN, NOW I CANT APPLY BECAUSE EQUIFAX DROPPED MY SCORE, WHY ARE THEY ALLOWED TO DO IS?. ALSO ACCOUNT # XXXX WAS NOT VERIFIED BECAUSE THE OTHER XXXX CREDIT AGENCIES REMOVED IT FROM MY CREDIT REPORT, SO THERE IS A MAJOR PROBLEM WHEN EQUIFAX VERIFY A ACCOUNT.
Consumer complaint received 2024-03-11
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. (OR)

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 2021-08-30
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

Lender-placed insurance is fraudulent. NewRez LLC sent notice via regular mail dated XX/XX/XXXX ( received on XX/XX/XXXX ) that it would be forcing lender-placed flood insurance on our co-op since we did not have flood insurance. This Notice staed there was a prior communication " last month, '' which was never received. Since I do not own any real property ( this is a cooperative apartment, wherein we own shares of stock in the corporation that owns the building ), we are not required to carry flood insurance as that is covered under the corporation 's policy. HISTORY : Insurance information was supplied previously in XXXX. We received a confirmation dated XX/XX/XXXX that our insurance documentation was complete. We then received the above notice on XX/XX/XXXX ( a non-business day ). I contacted counsel for the building 's managing agent on XX/XX/XXXX and XX/XX/XXXX to obtain the insurance certificate, which was provided to NewRez the same day via online upload and via hard copy from the managing agent ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX we received a notice dated XX/XX/XXXX stating that a lender-placed policy had been purchased, effect XX/XX/XXXX. This is outrageous. This is clearly an insurance scam. I have all the back. 

Please also note we never applied for a mortgage with this company. Our small mortgage was originally with XXXX, who sold it to XXXX, which went bankrupt and I was forced into dealing with this company.
Consumer complaint received 2019-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I am in the process of repayment under an income based repayment plan. Upon renewal, I submitted the application but the information was input as deferment/forbearance instead of renewal. I then began to receive calls about information I had already submitted. My monthly payments then doubled beyond what my income can support, and I was unable to make online payment as I did the prior month. I am in the process of resubmitting this information again but the web-site has changed and is less friendly than before. I am now having to mail this information, prolonging the handling time
Consumer complaint received 2021-08-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) XXXX / ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TN)

Chase is marketing credit cards to those of us with good credit like it's going out of style. Be careful - the marketing is not clear. IF you already have a SWA Chase personal card, do not apply for the new one online. This has sent me through a XXXX triangle, wasting my time and therefore money. 

It appears in the middle of XX/XX/2018, Chase expanded their undisclosed 5/24 rule to include ALL co-branded cards, not just SWA, yet the marketing machine continues to ignore this policy and the Agents on the phone are not well trained. I am contacting the credit bureau b/c two of the cards opened are not mine - that is the silver lining here. 

However, the issue with incessant marketing of their branded cards to customers, plus this confusing 5/24 rule and lack of Agent phone training, is false advertising. The information is still relatively opaque, as Chase never comments on the 5/24 rule, but multiple reader and community data points suggest denials due to 5/24 for cards previously exempt. 

CFPB staff, please help educate consumers and hold the big banks accountable for deceptive trade practices. I do not believe this is intentional on Chase 's part, but the second to last Agent did encourage me to file a complaint here, so be it. 

Thank you! 

XXXX
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX Has been sending me collection notice in the amount of {$170.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company do not have a contract with my signature.
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Hello this is to dispute the charge to my account. We deposited {$310.00} your machine accepted {$300.00}, but did not give us any money back only this receipt saying we deposited {$300.00}. Then Boa bank of America took the {$300.00}, credited it back, took it again, credited again, and now closed the case saying they never found the money in the atm and are going to take the {$300.00} out of my account on XX/XX/2020. The lady on the phone said she will place a 14 day hold and to go into the branch office and have you submit the receipt to re open the case. I would like them to check the video footage. Otherwise I will be obtaining a lawyer because you can not just steal money like this. 


BOA then took my money out of my account on XX/XX/2020 and never placed the 14 day hold on my account. I now have an overdraft of - {$230.00}.
Consumer complaint received 2023-02-04
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility XXXX items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (TX)

I am constantly receiving SMS text claiming to be from a variety of different things including Equifax, something supposedly from FDIC and other fraudulent text that have links associated with them. I do not click on them. I have reported them to my provider XXXX multiple times and they just keep coming. I recently had a fraudulent charge made to my bank account for only XXXX and I reported it and canceled my credit card etc. However I am concerned that even though I block these text messages, they just create a new msg and use a different phone number. However these scams all have something in common. They send a link which would redirect my phone or download something if I clicked on it. When I do a reverse phone number background check from the perpetrator it is never a legitimate phone number associated with the company they are purporting to be. How do I make this stop and assure my safety from these scams?
Consumer complaint received 2021-08-30
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (IL)

Date : XXXX Over several weeks calls to the Barclays Support center have failed to garner adequate customer support. Prior to today Barclays, customer service representative XXXX, denied a call to dispute XXXX digital good purchases as requested. 

Today, ( Female ) Barclays rep XXXX reiterated the same approach to the claims. The XXXX transactions were cancelled with XXXX customer service and moved to an alternative account for billing purposes. The XXXX balance remains and our recollections lead to the charges being left overs and duplicate. 

It is understood representative XXXX, was phoned at the XXXX, number multiple times today. Once at XXXX and she disconnected the call while on hold while awaiting a supervisor to process the dispute request. 

Then, during the followup call moments later. XXXX stated no supervisor will become available until after XXXXEST. XXXX  WAS CONTACTED prior to phoning Barclays card services.
Consumer complaint received 2019-12-04
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: Home Loan Center, Inc. (PA)

I have tried twice to correct a major error on my credit report. The information first came from lending tree, who claims the information comes from XXXX XXXX. I have twice contacted lending tree to dispute this, and they say that they have verified the information which is impossible. I have never had student loans, as my education was paid for at the time I attended college and XXXX  XXXX  which was XXXX through XXXX. If they truly tried to verify that they would find that my Social Security number or any information about myself does not match. They claim the loan was taken in XXXX, at which time I lived in Florida. Please try to help me with this, as they keep telling me its been verified. Thank you
Consumer complaint received 2018-02-27
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Square One Financial, LLC (CO)

On XX/XX/XXXX I contacted XXXX  XXXX   looking to settle an account that was last reported to my credit bureau XX/XX/XXXX for an auto loan I had got for my girlfriend a few years back. I explained I have been very cooperative, surrendered the car, and also provided all my personal information offering a settlement on the account for {$1000.00}. I was then told the account was with XXXX XXXX XXXX. I spoke with XXXX initially who told me the account was PAID IN FULL. Then after being transferred to XXXX the manager he told me the balance was {$6500.00} which is over {$3000.00} more than what was owed. I explained I was trying to get a home, and this account was affecting my credit. He then said they would settle for {$3000.00}. I told him the most I could do is {$1500.00}. The Next day On XX/XX/XXXX I received a notice from XXXX XXXX that XXXX pulled my XXXX credit bureau after 3 years and reported a new balance of {$4400.00} which dropped my credit score over 55 points which now makes me ineligible for a home loan. I find this to be a very savage business practice especially since I explained to the company that I was trying to get a home loan and wanted to resolve the matter.
Consumer complaint received 2019-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (RI)

On XX/XX/XXXX I ran my credit score and found a outstanding bill, that had been sent to Pheonix Financial for collection. On XX/XX/XXXX I emailed Pheonix Financial requesting debt validation. On XX/XX/XXXX I called Pheonix Financial. They informed me about a hospital bill from XX/XX/XXXX, for my child, that was in a different state from where we live. I mentioned to Ms. XXXX from Pheonix Financial that I had not recieved any calls or bills from anyone regarding that matter. She told me I can call my insurance company and ask them to pick up the claim. I called my insurance company for more information, they informed me the bill was paid and gave me a electronic check number. I called Ms. XXXX to tell her the good news, and she proceeded to tell me how my insurance covered the hospital portion of the bill but not the physician portion of the bill, so my remaining balance was over {$800.00}. I asked what my options were, who I could contact to resolve the matter, because my son was always covered by insurance, and I do not want to owe anyone money. Her solution ( which she made sure to let me know she was recording at this point ) was to pay a discounted price of over {$600.00}. She also then said my insurance would likely not pick up the claim because of the date of service being over a year old. I explained that I should not be expected to pay a bill I have never been addressed about, nor that is financially my responsibility when my child was covered by health insurance. We disconnected and I called my insurance company. He placed me on hold, and he contacted Phenoix Financial. He came to the resolution that the reason for the bill was because the hospital did not put my childs insurance information in correctly. My insurance says this will take 30-45 business days to be reprocessed, and I will be covered by them fully.
Consumer complaint received 2021-08-30
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. (GA)

I submitted an official FTC report, qualifying identification documents, and a detailed dispute letter to TransUnion on Thursday, XX/XX/2021. The documents arrived to TransUnion on Saturday, XX/XX/2021 at XXXX XXXX. The disputed items in question were : XXXX/DEPT OF ED Account # : XXXX XXXX/DEPT OF ED Account # : XXXX Both accounts are fraudulent, stemming from identity theft. I received a corresponding letter from TransUnion on XX/XX/2021 citing I recently submitted a dispute to TransUnion for an item, and the data furnisher verified the information. This in turn has allowed them to not reinvestigate my claims. 

TransUnion has failed to be transparent with their means of investigation, and continues to report inaccurate information on my credit report. 

Ive uploaded all required identification documentation to verify my name, somehow TransUnion maintains they will report a fraudulent account addressed to someone else on my credit file. 

This inaccurate reporting is severely hurting my credit profile, and is unfair/unjust representation of me as a borrower. 

Please have TransUnion either accurately and transparently verify this account as mine, or remove it indefinitely from my credit file.
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NC)

Problems with Caliber Home Loans For the past two years, I have been trying to get my account straightened out. Every month, I receive a notice from Caliber that says I late with my payments and owe money. 
I called on no less than five ( 5 ) occasions in XXXX, only to be told it would get straightened out in XX/XX/XXXX with my escrow analysis. They sent me a refund for {$670.00} and then followed up right again with my payment vouchers showing I am a month behind in payments. 

During XXXX and XXXX, I have shown them in several email and phone correspondence ( s ) that my records match their records as far as payments being made. The problem is they are not showing them as payments, they are showing them as cash received or curtailment with payment and therefore getting allocated to some place that they cant explain. 
In XXXX, I paid {$13000.00} in total to Caliber which exceeds the monthly bills they sent to me. So how am behind, late with payments and still owe money. 
I finally sent all correspondence again in XX/XX/XXXX and received a one sentence response that I am behind in payments. 
When I tried to recontact them by email, there is always an error message When I contact them by phone, I go through ten minutes of their messages than get an agent who puts me on hold and then drops the call. When I ask for a manager, they tell me one will call within 24 to 48 hours, I have never received a call.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TRUIST FINANCIAL CORPORATION (GA)

The balance transfer due date was not specified on the statement leading me to believe the due date was the same as the monthly cycle date of XX/XX/2020 I paid in full prior to that date on XX/XX/2020 and they still charged me interest. 

SunTrust states that the balance had to be paid by XX/XX/2020 ( the statement end date ) although it did not show that on the monthly statement nor was it listed on the mobile app.
Consumer complaint received 2023-08-19
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. (MI)

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.

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.