davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

In XX/XX/XXXX I received a letter from Mr. Cooper stating there were delinquent supplemental property taxes due on my property and Mr. Cooper planned to take funds from my escrow account to settle the delinquency. I immediately contacted the Tax assessor for my county and was informed that I was current on all of my taxes, but the PREVIOUS OWNER of the home had a delinquent supplemental tax bill and it was in no way my responsibility. I took my time to conference call the tax assessor and Mr. Cooper to have the tax assessor explain to Mr. Cooper that the taxes due were not my responsibility. I was told by a Mr. Cooper representative that they would do an investigation and confirm the responsibility of the taxes due and get back to me. I was also assured by Mr. Cooper representatives that " numerous letters and correspondences will be sent before we take any money out of your escrow account. '' One week later I received another call from someone at Mr. Cooper telling me they had paid the delinquent taxes out of my escrow account and my payment would be increasing as a result. I asked about the investigation and the agent had no idea what I was talking about, so I asked to speak to their manager and was disconnected. I spent 2 weeks trying to contact ANYONE at Mr. Cooper who could assist me with getting my {$3000.00} back and was told nothing could be done " everyone has to pay their taxes ''. Finally I spoke to someone who told me he would get the situation resolved on XX/XX/XXXX. I have since spoken to the Tax Auditor for XXXX XXXX XXXX who confirmed that the taxes were not my responsibility and that they would be sending Mr. Cooper a refund for the taxes paid inaccurate out of my escrow account. I have attempted to contact Mr. Cooper numerous times to find out when I will see my payment go back down and what compensation will be considered for stealing my money to pay someone else 's taxes. I have not received any response from Mr. Cooper, nor has my payment been reduced back to it's normal amount.
Consumer complaint received 2019-02-14
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: Lazega & Johanson LLC (GA)

Lazega & Johanson LLC is a company I don't know. I went to my local Police Department and was told to get a Police Report where I discovered the accounts, inquires, etc at the time my credit was pulled. I did so. I have sent this company my Police Report and FTC report per law enforcement. I have never done any business with this company, I don't owe any money to this company, I have never gotten any products, etc or anything with this company nor given permission for my credit to be pulled with this company. I have two unauthorized inquires on my Credit Report from this company. The dates are XX/XX/XXXX2018 and XX/XX/XXXX2018. This is illegal. My Credit Report has been illegally pulled by this company. This is very illegal according to the FCRA and illegal in general. You must have a persons consent to do so. I did not authorize or give authorization to any company ( s ), person ( s ), or myself to pull my credit.
Consumer complaint received 2022-08-19
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. (NC)

I sent off an investigation request letter to XXXX certified mail on XXXX. They received the mail on XXXX. I asked them to do an investigation on the list of accounts that are on credit reporting. It's been 30 days, and I haven't received a response from them ; here is the Tracking # : XXXX
Consumer complaint received 2019-02-14
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (PA)

I ordered my XXXX  report and it indicated that I still have an open checking account with TD Bank. I contacted TD Bank and they confirmed that I do not have any open checking accounts with a balance. They informed me that I need to contact XXXX in order to get the information updated and/or removed. The date it was reported was XX/XX/XXXX. The closure status says : NOT REPORTED. The amount is for {$590.00}. I paid this account off in full in XX/XX/XXXX.
Consumer complaint received 2019-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2018 I received two e-mails letting me know I had purchased 3 e-Gift cards. I know I did not do this so I right away cancelled my credit card. Since it happened late at night I waited until the next day to report the fraud to my account at AARP Chase card member services. The charges for the 3 e-Gift cards were from the company named XXXX XXXX   for the amount of : {$100.00} and {$200.00} also {$200.00}. These e-Gift cards were sent to a XXXX account : XXXX which is not my XXXX account so I never received them. The Fraud department at AARP Chase card member service investigated and said the purchases were valid. I called them again to appeal their findings to let them know I did not received them and they were sent to a different XXXX  account. They sent me letter saying the transactions are valid. I can't believe this is happening when I showed them the e-mails sent to me were they have the XXXX  account they sent the e-gift cards too and that it was not to me.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$570.00} from Creditor : NATIONAL CREDIT SYSTEMS, has violated my rights. 

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

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-07
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX an XXXX company, XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-02-14
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: Ideal Collection Services, Inc. (FL)

XXXX, XXXX, and XXXX have already recognized 'Ideal collections ' as a fraudulent account on my credit report. In fact, those agencies have sent certified mail to XXXX  showing the outcome of their investigations. Still to this day, XXXX refuses to remove this from my credit report. I still have no paperwork, records, etc ( only documents from XXXX, XXXX, and XXXX confirming this fraud ). So far, Ideal collections has only posted a fraudulent document that clearly shows forged signatures. My attorney has proof of signature authentication. I would like XXXX to follow suit with the other agencies and remove this fraudulent account. They claim that we owe {$6400.00}, for what I still don't know. A quick search online and you will find that these scammers are using the same amount with hundreds of other individuals. According to the CFPB they currently have 1,137 complaints against 'Ideal collections. ' All of the evidence is there proving obvious fraud. Again, all of the other credit agencies have recognized this as fraud, except for XXXX. I've had a clean credit report for over 2 decades, my FICO is currently XXXX.
Consumer complaint received 2019-02-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

We are a title company paying off Mr. Cooper. We received the payoff letter prior to close stating a good thru date of XX/XX/XXXX for {$76000.00} with a per diem rate of {$12.00}. The loan closed on XX/XX/XXXX with a wire {$76000.00}. Wire was sent on XX/XX/XXXX. On XX/XX/XXXX, Mr. Copper returned wire stating there was a shortage of {$290.00}. In the interim between the XX/XX/XXXX and XX/XX/XXXX we noticed prior to recording our deeds on XX/XX/XXXX that Mr. Cooper on XX/XX/XXXX had assigned the Deed of Trust to XXXX XXXX. We called Mr. Cooper to get to the bottom of what was going on. We spoke with XXXX and she said Mr. Cooper still retains the Note and Deed of Trust and has no idea about the Assignment. XXXX   Online also was showing that XXXX XXXX  is now the current note holder as well. After numerous back and forth with XXXX at Mr. Cooper and requesting numerous times to speak with a manager, a manager finally called me on XX/XX/XXXX stating the shortage was due to a foreclosure inspection report not listed on the payoff. A few things in that regard : 1 ) Mr. Cooper knew that this closing was taking place as the seller had to send them a contract with a closing date. Foreclosure proceedings were to take place in or around XX/XX/XXXX. 2 ) Mr. Cooper has not been timely with communication with the title company nor provided clarity with regards to the Assignment to XXXX XXXX.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I have filed several disputes with XXXX, XXXX, XXXX and CFPB regarding Toyota Financial Services inability or refusal to report my payments accurately. Each time I file a dispute/complaint they remove on time payments from my report and they now say no data. This has greatly impacted my credit history and score. At this point, it feel retaliatory. Across the three major reports XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 on time payments are not being reported with variances. Some reports have three payments missing and some have 2. They sent a long letter a list of payments of my last complaint and that still is not fully resolved. The same situation exists. Across the three reports, they have different two months reporting late between XX/XX/XXXX and XX/XX/XXXX or XX/XX/XXXX and XX/XX/2018. As I stated, I feel that this is retaliatory. Ive have contacted them directly and filed numerous disputes over several months. It is exhausting and time consuming. More importantly, it is adversely impacting my other credit. Account limits have been decreased or I can not move toward a goal due to score not being reflected properly for missing payment information.
Consumer complaint received 2023-03-05
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 — Their investigation did not fix an error on your report
Company: PNC Bank N.A. (PA)

Delete immediately PNC BANK has yet to pay INVOICEConsumer Financial Protection Bureau complaints filed by me on XX/XX/XXXX ( case number XXXX ) and XX/XX/XXXX ( case number XXXX ). PNC still has not shown me a receipt of payment For XX/XX/XXXX XXXX not use the EOSCAR system .. PNCs Account payment history is inaccurate and is a reason to DELETE the entire account off of my credit report. attached is PROOF that it is inaccurate. the inaccuracies are HARMING me. I have disputed this multiple times XXXX, XXXX and Pnc still can not prove the alleged payment in XXXX of XXXX, and XXXX of XXXX I have documented proof on The creditors ( PNC ) letterhead stating they never received a payment in XX/XX/XXXX, yet it shows that inaccuracy on my credit report. in XXXX of XXXX I disputed inaccurate information being reported on my credit report by PNC Bank I demanded for them to DELETE IMMEDIATELY
Consumer complaint received 2019-02-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Clearview Resolution Services (CA)

I have already been paying off my loan with a debt management plan. I was not made aware that it was sold off. The debt management company has still been sending the checks to the original creditor and they have been cashing the checks and not forwarding the money to the debt collector in which they sold the account to. The person who contacted me harassed my family members and claimed that I was to be sued if I didnt pay by visa or prepaid card. He also read off my complete social security number. He said he was in contact with the lawyers from XXXX XXXX.
Consumer complaint received 2019-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This has to be the 4th time I had disputed these same accounts with the 3 major credit bureaus all to no prevail. Every time the 3 quick uninvestigated response was accounts been verified. And now my response to that is what Method Of Verification did you use, inwhom was the deciding factor, what day, month, hour did you process these claims. What form of verification did you use, who made the calls, fax, etc., and inwhom did you speak with, what if any physical documentation do you have, I'm also requesting physical documentation as of my rights as a consumer in accordance with the FCRA laws. Here are the 3 accounts inwhich I'm seeking the Method Of Verification for .. # 1 XXXX XXXX XXXX XXXX {$3400.00}, # 2 XXXX XXXX XXXX {$110.00}, # 3 XXXX  XXXX XXXX
Consumer complaint received 2019-02-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TX)

I bought my home XXXX. I had been paying for years. I had a XXXX XXXX. I XXXX  was XXXX XXXX XXXX XXXX XXXX XXXX for more than 18mthS. In XXXX the services stopped accepting my payments. They first tried to disclose in XXXX last year stating I didn't sign a document they were denied then they went for I abandoned my property while I was still on it. I could have filed bankruptcy or homestead but I wasn't cognitively aware is there anything I can do? They took all my possessions as well. I know why I wrote a letter ib XXXX to Homeland security director and I named dropped I the owner of XXXX who bought my note I. XXXX stopped reporting me to the credit bureaus that didn't matter bcuz I could noy make them is wasn't until I had brain injury was he able to get his revenge. Is there anything I can do not about his revenge but my home and posseasions. XXXX and scared. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-14
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. (LA)

Please delete the accounts, I am not the owner of the accounts. I asked the credit bureaus to provide evidence, but couldn't supply it. CFPB remove the accounts and tell these companies to be more careful on how they handle their reporting..TXXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Please delete the accounts, I am not the owner of the accounts. I asked the credit bureaus to provide evidence, but couldn't supply it. CFPB remove the accounts and tell these companies to be more careful on how they handle their reporting..XXXX   XXXX XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX   XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) 6043**, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-03-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Finance Company, LLC (FL)

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2019-02-14
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. (LA)

please delete the accounts, I am not the owner of the accounts. I wrote letters to credit bureaus asking them to provide evidence but they did not supply it. CFPB remove the accounts asap XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX   XXXX, XXXX ( Original Creditor XXXX XXXX XXXX HOSPITAL  ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX,
Consumer complaint received 2019-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank converted the H.H. Gregg store credit card to a Home card where you can purchase furniture and home goods. My payments are not being processed correctly and I continue to pay on small non promotional amount from over two years ago that is not going down even though I am making large payments and they aren't all going to my promotional balances. My payments are disappearing. The bank is shady and will close your accounts if you complain.
Consumer complaint received 2022-08-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NY)

Loan Assumption, which my sister XXXX XXXX , a DIRECT FAMILY MEMBER, what i understand Direct family member means a spouse, parent, child, grandchild, brother or sister of the tenant. Sample 1Sample 2Sample 3. Direct family member means children, parent, grandchildren, grandparent, caregiver or siblings of the Owner. 

And if they told us from the very beginning that sibling is not consider as direct family, they should told us. My sister and i are doing all the right thing legally. The house are under their name, she us our successor. Unable to continue paying the mortgage because we also have bills payable and we have apartment we paying too where near to my work. And since my sister and her family willing to continue paying the mortgage, we inquired this since loan assumption since XX/XX/XXXX. We, for sure follows whatever they needed as to submit, but only thru phone they always DENIED us, without i forming us even EMAIL or LETTER. 3X Denied, open 3X case and close the case without informing us what is the reason for DENIAL. They told to my sister, that deed should be done by transferring ownership which we did and granted and registered to their name - my sister. That mortgage company is not knowing what need to be done, lack of information, very inconsistent, no knowledge about our concern. They keep us waiting and hoping for nothing. We spent so much effort, time and dedication to make things things LEGALLY. If sibling us not consider as direct family member, they should tell us ahead of time. Its almost XXXX month. Nothing happens. 
The last person which my sister spoke from Mr Cooper, name is XXXX, yesterday XX/XX/XXXX around XXXX, he said theres no way to gave loan assumption be approved and ge said the only way to do it is to Refinance This company dont know what theyre doing, no update, poor customer service. 

STRESSFUL, DEPRECIATION and FRUSTRATION for wrong information to my sister XXXX XXXX
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

In XX/XX/XXXX I was given a forbearance that was to take effect for 14 months. On month XXXX ( XX/XX/XXXX ) my forbearance was extended through XXXX and the home was sold in XXXX, however my credit report shows 180 days late for the month of XXXX and Foreclosure for the month of XXXX. Carrington Mortgage sent " adjusters '' to my home on multiple occasions in which they stood outside my home taking photos, even though the home was in forbearance and sold only 1 month after the forbearance was compete. Carrington was made aware of the sale of the home as I myself and the title company contacted them for pay off quotes.My current credit report status reads " 180 day or more than 4 months late '' rather than Paid in Full- {$0.00} balance. I believe the reporting is inaccurate because if I was in a forbearance through XXXX and sold the house in XXXX the reporting should have no lates for the month of XXXX or XXXX, furthermore I have sent several requests to Carrington requesting this information be updated correctly to no avail. I am currently without a home ( we sold the home in question ) and unable to purchase or even rent another due to the status reporting for the previous loan. I am a family of 4 and a dog and feel this is unfair and as a result I am distressed and misplaced.