davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

I have two loans with Mr. Cooper and have not received my loan statements. This is the second time this is happened. Not too mention when I was receiving my statements at the correct address they sent my escrow refund check to a previous address in XXXX. No explanation for that one.This servicer needs to get it together. 

I called them today on XXXX and instead of trying to research my issue they are upselling their insurance company, asking if I want to be set up on bill pay, asking if I want email communication when I had clearly told her to remove my email address from my profile. My address is still the same XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The last statement was sent XX/XX/XXXX I checked my loan statements and it says my payment is Effective XX/XX/XXXX, your interest rate has changed from 4.500 % to 4.125 % resulting in a change in your monthly payment from {$1000.00} to {$1000.00}. The new payment amount is reflected in this mortgage billing statement. YET MY PAYMENT DUE IS {$1300.00}. 

THIS SERVICER NEEDS TO GET IT TOGETHER. IT DECEPTIVE TO STATE MY PAYMENT IS XXXX YET ITS XXXX Two loans with this servicer : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (AZ)

I left XXXX in XXXX and ended up with over 15+ loans with know why to repay. For the 2 years I attended XXXX I also made monthly payments to the school. My original loan was XXXX. After making a few payments and being delinquent on all 15+ loans, my loans totaled over 46k. I was garnished for around 3 years for XXXX   a month. Eventually I got in to a program that I needed to pay XXXX a mouth for 6 months to get out of garnishment while still being forced XXXX. Loan is still at XXXX through navient after I have being paying since XX/XX/XXXX. I need help locating my original loans with my signature of agreement. I feel I have been over paying and have be forced in to garnishment and loans with fees. Proof of original loans to support current balance needed
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (MT)

These are not my accounts. This is a second requests. Note that I am not a credit repair company nor mortgage company. Please remove these accounts from my credit profile. I am currently active in the U.S. Military. There are credit card laws that protect military members to those who are currently working overseas. Please remove any negative remarks from my credit reports.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

I have contacted XXXX ( inquiry XX/XX/2019 ), XXXX ( XX/XX/2019 ), and Experian XXXX XXXX  ( XX/XX/2019. I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Consumer complaint received 2024-03-04
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. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX XXXX XXXX - XXXX Last 4 digit SSN : XXXX
Consumer complaint received 2020-03-04
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: EQUIFAX, INC. (MS)

XXXX XXXX ACCOUNT XXXX This account has been on my Credit Bureaus and I have disputed it numerous times and the Credit Bureaus state that the information is correct and it is Fraud and I am a victim of Identity Theft. I personally took the Police report to XXXX XXXX and they said that there was nothing that they would do about the account knowing it was not mine and I gave them a copy of my Drivers License so they could compare their file to my ID and they made a copy of it and put it in their file to start pursuing me to pay for this even though it is not mine.
Consumer complaint received 2024-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IN)

A collections account was added onto my credit file that I had no idea of. It was from the company " Transworld System Inc ''. According to XXXX, it was opened XX/XX/XXXX and is now pronounced passed due as of XX/XX/XXXX. This is not my debt, and I have never worked with a company called Transworld System nor taken out a loan of any sort in my name. I first had tried to dispute it on XXXX, but the report came back saying the collection was verified as accurate. Then, they called me asking about the debt. I told them it was not mine, and they told me to file a police report of identity theft. I have yet to do so, I wasn't sure if I report it to the police or another organization.
Consumer complaint received 2023-06-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} : XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.
Consumer complaint received 2022-12-24
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. (SC)

I pulled my credit report and noticed several accounts that do not belong to Experian Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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 an 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 any purpose.
Consumer complaint received 2020-03-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I co-signed for my father for a XXXX XXXX XXXX with XXXX XXXX. We had the car for some time until XXXX when the state of California suffered the most destructive wildfire season on record, the California Governor declared a state of emergency for several counties. Due to this emergency our finances were affected since our only source of income ( work ) went slow and at some point, we could not drive to our workplaces and later me and my father were layoff. This situation extended from XXXX to XXXX during these 8 months without work we couldn't afford the car payments and other payment. We back to work on XX/XX/XXXX but by the time the car was repossessed and sold in auction, sad we lost the car due to a situation out of our hands. 
Now I am trying to apply for another auto loan but of course is a scare in my credit history, I have on my personal credit reports the XXXX XXXX auto loan account with a perfect payment history until XX/XX/XXXX and then all the following moths with a repossession status. I called to XXXX XXXX asking for the refrain from reporting delinquent on the account, tried to dispute the account because it should be some regulations for cases like this but they just told me that is not possible to file a dispute or investigate the case. I am filing this complaint asking for the bureau protection, I hope exists some compassion and flexibility when credit customers are affected by major disasters. My credit was deeply affected for this disaster an as credit customers I need to be protected when these events happens and are out of my control.
Consumer complaint received 2020-08-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

On XX/XX/2020 I mailed dispute letters to XXXX, XXXX, and Equifax requesting that they investigate the collections on my reports. I patiently waited for a response, and constantly checked my credit reports for updates. So on XX/XX/XXXX, I decided to write them again and request that they hurry and respond because it has been 30 days since I've sent them disputes. They still have not responded and it's XXXX now.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

The three Credit Report Agencies XXXX, XXXX  and Experian lowered my Credit Score recently in the amount 50 to 100 points. This reduction is due to High Balances on my Accounts which is normally legal however there is no evidence that do to these balances my payment history change. The Credit Score is the first thing a Lenders see there are very few if any to look past that score before denying credit. I have made 100 % of payments on time for the past 5 years however I was denied recently by XXXX XXXX XXXX XXXX where I have been a member for 6 years due to this misinformation. It is quite damaging to me as a consumer that affect the quality life of my family. If a Credit Reporting Agency is going to release that type of damaging information a notation should be send to the Lender up front that the Consumers payment history status is still 100 % perfect if there is evidence.
Consumer complaint received 2022-12-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (IN)

I received an email the morning of XX/XX/2022 from one of my credit unions stating that I have a new credit alert and that a new trade line has been opened in my name. I did Not open or authorize this! I tried signing into the link associated with the alert from XXXX XXXX who is affiliated with XXXX and they monitor my credit report and send me updates through my credit union. When I tried signing in, I was told that there were too many attempts and that I had to reset my password. That let me know that there was some possibility of someone else trying to access my account as well so I follow the prompts to change my password for the credit union. However the credit union and the Store credit card that Has the FRADULENT Trade line are not linked so I have no idea whats going on here its confusing and the next thing I did is started changing things like login information immediately and making phone calls. The store company that has the trade line is called XXXX XXXX and i dont know who is doing this because there is no track or trace of an inquiry. I do have a XXXX XXXX credit card and dont want to lose it so I just want the fraudsters to get off my credit with the trade line that I didnt authorize
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

The three Credit Report Agencies EQUIFAX, XXXX  and XXXX  lowered my Credit Score recently in the amount 50 to 100 points. This reduction is due to High Balances on my Accounts which is normally legal however there is no evidence that do to these balances my payment history change. The Credit Score is the first thing a Lenders see there are very few if any to look past that score before denying credit. I have made 100 % of payments on time for the past 5 years however I was denied recently by XXXX XXXX XXXX XXXX where I have been a member for 6 years due to this misinformation. It is quite damaging to me as a consumer that affect the quality life of my family. If a Credit Reporting Agency is going to release that type of damaging information a notation should be send to the Lender up front that the Consumers payment history status is still 100 % perfect if there is evidence.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have been a customer of Bank of America for over ten years. the past 3 years I have had to dispute charges I didnt make and also replace my debit card 3 times in the last 2 years due to fraudulant activity on my account. Most recently on XX/XX/XXXX of 2022 I had too small charges pop up and a text came from Bank of America asking did I make these charges I said NO ... then a male clainming he worked for the bank asked was I trying to XXXX transfer money to some random person- I said NO. He stated all the values in my four accounts with the bank 2 are mine 2 my husbands. He said I had to enter a code to stop the transfer which I did. He said he was XXXX XXXX in the fraud dept. In fact he was lying and transferred money out of 3 of my accounts for a total of XXXX plus dollars.. I called the bank immediately to report this fraud they advised they would investigate and get back to me in 15 to 45 days. On XX/XX/XXXX I got the first of 3 letters stating that they had investigated this basically stated I did the transfers myself and that is not what happened on XX/XX/XXXX I called the Fraud dept again they said that they reached out to the bank where my money went and they refused to reimburse my money. BOA - basically offered me no help no recourse and they DO NOT protect accounts as they should. they didnt not even investigate this they sent out a letter in less than ten days even with Holidays included that just said this was my fault and it was not. This was a fraudulant theft of my accounts and they have done nothing. I can provide the letters they sent me in print or the emails they sent but I couldnt get them to download here.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE BEING REPORTED BY YOUR AGENCY. I SENT DISPUTE LETTERS ON XXXX WITH NO INVESTIGATIVE REPORT RESULT RESPONSE. 

AS OF XXXX THERE IS A 30 DAY VIOLATION WHICH IS INDEFENSIBLE UNDER THE FCRA GUIDELINES.
Consumer complaint received 2023-05-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following account has been paid but XXXX, XXXX, and Equifax have been reporting as follows : XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$960.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION. 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I filed a debit card fraud claim on XX/XX/22 The following are the transactions : See attachment Chase has stated to me that they have determined that these charges are valid. I reported the charges within the required timeframe. They have not provided me in writing they reason and evidence used to determine denial that I requested. 

Total unauthorized charges are {$5500.00} Chase was recently debited the charges from my account, causing my checking account to be at a negative.
Consumer complaint received 2020-03-05
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc. (SC)

on XX/XX/XXXX I called made my mortgage payment with Mr.Cooper for the month of XXXX. while on the call I asked for a payment deferment for the month of XXXX so I could have extra money for XXXX. I was told I could be put on a repayment plan and pay extra on my XXXX, XXXX and XXXX payment but not a deferment. I asked would it hurt my credit she said it would not show 30 days late since I was on a repayment plan. I asked several times since I had the money to pay it I was just looking to be able to give my kids a better XXXX I was also told I could make partial payments in those months and when the total of the repayment amount for that month was in there it would be applied to my acct. so I thought great. so I called back XX/XX/XXXX to pay XXXX which was a partial payment. I was advised I was never even put on a repayment plan I was advised I was turned in as 30 days late for XXXX payment I was also advised that there was no partial payments even allowed on a repayment plan. so I was put on the plan at this time and I payed my {$2100.00} at the end of XXXX I think on the XXXX. I made another payment of XXXX by electronic check on XX/XX/XXXX then today I look at my bank account and see fees because they tried to take my XXXX payment out again after my check has already been cleared and applied to my acct. this company just cant stop causing problems and they will not do anything to help fix them I also was turned in as missing my XXXX payment even tho I paid it on XX/XX/XXXX. so now I have been getting turned in as 30 days late until I get done with my repayment plan in XXXX. so I now have ruined credit after never missing a mortgage payment before.
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (MO)

Experian is report XXXX XXXX on my consumer report although they're reporting an inaccurate address that's not even on my consumer report but, verified as accurate. Clearly makes no sense & it's a clear violation of the FCRA due to inaccuracies. Remove this erroneous item XXXX this instant.
Consumer complaint received 2023-01-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (OH)

Im behind 2 payments due to an unforeseen situation. I can continue making my payments just need help with the 2 I am behind on. I have filled out cross country mortgage loan modification paperwork and sent in required paperwork XX/XX/2022. They requested more information and I sent it in. This has gone on for several months. The last information, they requested, I sent in on XX/XX/XXXX. I havent heard anything further. In the 3 months I have been trying to get help with them I have sent information to them they their loan solution website and emailed ( some info requested I had to send several times ). When I call to speak with my loan specialist ( or anyone that can tell me what is going on ) you are unable to. Whoever answers the phone can note my concerns and thats it. Not one person has called me, but they can have someone sneak one my porch to hang a yellow note on my door to call them ( and no they dont knock on the door to talk to me ). Its a bit disconcerting when every time I call for an update their first question is are you living at the property. Now since Ive called them a lot in the last 3 months you would think they would have written this down. I would appreciate any help. Im trying to recover from my hardship, salvage my credit and mostly keep my home!
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$8900.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}