davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (OH)

This complaint is an additional complaint f

rom the two previous filed complaints. In regards to the timeline Mr. Cooper provided, I would request a call log and recording history be reviewed regarding our mortgage. 
As of XX/XX/XXXX, we personally made SEVERAL phone calls to Mr. Cooper to follow-up regarding the status of our account in order to resume payments since Mr. Cooper took over the loan during the partial claim transfer. During this time, we were told that MR. COOPER would be sending us NEW partial claim documents that would be in the name of Mr. Cooper instead of our previous service provider. We were originally told that Mr. Cooper would not be able to accept any of the document addressed to XXXX, the previous loan provider. XXXX also told us to wait on sending in the partial claim documents since Mr. Cooper would need to send new ones and since XXXX transferred the account, there was no need for the documents to be sent to XXXX. 
After a few weeks of no status change, a different representative told us to go ahead and mail the original partial claim documents to Mr. Cooper anyways in hopes to speed up the approval process. During this time, we attempted several times to make payments on the account. As stated in the last claim, the documents were successfully mailed and received in XX/XX/XXXX. Due to this lengthy approval process, we were informed that the partial claim would now extend for the month of XX/XX/XXXX and payments would resume as of XXXX. 
At no point during this approval process did Mr. Cooper contact us and notify us of UPDATED payment amount due.
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I XXXX XXXX recently ran into a wall as far as my financial matters go. However, I am now regrouping and I noticed that a number of my creditors have claimed that they have sold my debt to a third party. In any event, I am now requesting the following from the original creditors : 1 ) The name of the debt buyer where your institution claims it sold a debt.

2 ) A copy of the actual sale agreement between the parties.

3 ) A copy of both debt collection licenses and/or debt buyer license for the Commonwealth of Massachusetts where I reside.

4 ) A reasonable offer in compromise also known as a settlement offer that can be either mailed to me or sent by email. I would like to proceed on settlement offers immediately. 
If the account is still with the original creditor, I would appreciate a settlement offer immediately, regular mail or by email. Email responses will happen immediately. 
Thank you for your professional consideration in this matter. 

XXXX XXXX
Consumer complaint received 2019-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (GA)

Since XX/XX/2018 I've deposited over {$2800.00} into my coinbase.com wallet. My account was locked and I was told to upload my drivers license and utility bill to confirm my identity, which I did several times. It's been almost 2 months and now the customer service phone number dont work and they don't respond to my emails. After reading 100s of  complaints against coinbase.com in the last week I feel like they are a scam ... please advice
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have sent XXXX and TransUnion a personal information update on XX/XX/2019, and they have yet to update and correct my personal information. All of my information is the same and have never been updated as requested.
Consumer complaint received 2023-03-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC. (TX)

I opened my car loan in XXXX of XXXX and made my first payment before the 45 days and they misplaced my payment maybe because I paid it too soon or they just did not have my contract work yet but that payment was never credited to my account. I have the paperwork to prove how much I paid paid except for the first payment made. I paid on this loan for 4 years and the balance never went down one cent. I spoke to Chrysler Capital and asked them why and they said because it all went to late fees. I paid them XXXX dollars in payments and finally the balance went down a couple XXXX dollars. So far I have paid them over XXXX dollars so far and they claim I still owe them XXXX to pay it off. Point is how come my balance never went down XXXX cent for the first 4years that I paid them. At one point about XXXX years ago they told me I had already paid them almost XXXX and again I asked them why did I owe so much. According to my records I am paying almost XXXX on a loan that was only for XXXX. Please let me know what I can do to get this account settled for a reasonable amount. I have all my payment records that I received from Chrysler Capital and can email them to you if need be. Thank You very much for your help Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Multiple times I have tried disputing incorrect accounts with these credit bureaus but they always fail to make corrections. I have contacted them around 5 times in the past 3 months trying to get this info off my report along with sending them proof that the accounts are not mine and invalid.
Consumer complaint received 2019-07-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX XXXX and XXXX XXXX was disputed under the fcra with wrong social also sent the police report and the ftc violation they have failed to do anything about its been 45 days and counting which is against me Rights under the FCRA law
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2024 a hard inquiry appeared on my credit report and my husbands by CAPITAL ONE BANK USA NA, address XXXX XXXX XXXX XXXX XXXX VA XXXX, will refer to as Cap One. 

I contacted the creditor, Cap One, immediately on XX/XX/2024. Capital One representative stated no records or accounts appear under my name. 

XX/XX/2024, I reviewed XXXX and XXXX and the CAP ONE hard inquiry is reflecting on XXXX. 

XX/XX/2024, I contacted XXXX who advised I take it up with the creditor. XXXX rep suggested I wait XXXX year for inquiry to fall off. Then advised to complete an FTC report and mail it to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Additionally, I contacted Cap One XXXX ( XXXX ) XXXX to be transferred multiple times & be advised no accounts are under my SSN. I advised each rep an account does not need to exist for an inquiry to occur. I was provided with ph # ( XXXX ) XXXX as a solution to locate a record of the inquiry. 

Still have not resolved how to get a hard inquiry off my credit.
Consumer complaint received 2019-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

Hello, I recently sold some of my investments with coinbase.com and received the money through PayPal. Paypal is a service that I used to transfer the money to my bank account. The money XXXX was sent to PayPal and everything was fine but when I tried to use PayPal to send the money to my bank account PayPal would not let me. First I tried XXXX and it was denied then i tried XXXX and it was also denied. Then I received a text message asking if I was the one who authorized this withdraw and clicked yes but still they would not let me process any money and they even put my account in a limitation status ( meaning I cant use it for anything but receiving money ). I then called them And they asked me to submit private information online like bank statements, my social security number, proof of transactions and proof of address. I submitted everything and was told a decision will be made in 72 hours. After 24 hours a decision was made to close my account for the safety of PayPal and that my funds will be released in 180 days. I understand that they closed my account but holding my money for 180 days when I have done nothing fraudulent or wrong is a abuse of financial power. I have children, bills, rent please help.
Consumer complaint received 2019-07-08
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I received notification from Experian that they have upheld a fraudulent negative payment reported to them by XXXX despite evidence provided to them and to XXXX that this account was paid in full and the payment cleared my bank. This account not only was never late, but was paid in full in XX/XX/2019.
Consumer complaint received 2019-07-09
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: AMERICAN EXPRESS COMPANY (IL)

sorry maybe i am wrong dept. but my problem is that i have the american express every day use. when apply for the card i got XXXX dollars credit and then i use the card to by tires and then i got email from them my credit was low to XXXX i call them they can do that anytime.what i want to know is when you were for XXXX dollars.how can they can low your credit can you help me.if you can not help me can you try tell what dept can help with this problem. thank you.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Kohls collection department calls me every single day of the week, every XXXX minutes. I block the numbers, they call from new ones. EVERY. XXXX. MINUTES. 
They call from several different numbers and I know it is them because they leave voicemails each time. I have a full voice inbox every single day. That's XXXX voice-mails. I clear them, I have XXXX more the next day. ( XXXX is the XXXX amount of voice-mails my phone holds ) I have missed calls from doctors that couldn't leave me voice-mails because of this. It's absurd and it's been going on for 6 months now.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Multiple times I have tried disputing incorrect accounts with these credit bureaus but they always fail to make corrections. I have contacted them around 5 times in the past 3 months trying to get this info off my report along with sending them proof that the accounts are not mine and invalid.
Consumer complaint received 2022-12-15
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2016-11-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

To Whom It May Concern, I am writing in reference to reference number XXXX, for XXXX XXXX. The debt has been paid as agreed to XXXX, XXXX, XXXX and XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, XXXX, IL. 

Due to a lack of communication between XXXX, XXXX, XXXX and XXXX XXXX and Portfolio Recovery Associates my XXXX, XXXX, and other credit reports still state that the debt is in collection, and also further show that it is being disputed. 

Please report that this debt has been paid in full, and please request to remove any trade-line disputes on my records. Failure to do so will result in recourse for reporting debt that is inconsistent, as well as to seek punitive damages. 

Further, If I do not receive a letter via e-mail as well as registered postal mail to XXXX XXXX located at XXXX, XXXX, IL, XXXX indicating the debt has been paid in full, and request of removal of trade-line disputes then I will be forced to file for legal action. 

Best, XXXX XXXX XXXX, XXXX, IL XXXX
Consumer complaint received 2023-02-10
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. (FL)

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I'm again having some issues with Citizens. In XX/XX/XXXX, my account was charged with the amount of XXXX that was deducted for XXXX XXXX, and my escrow went negative. I just received a letter that I owe money for the escrow, and that the premium will go up starting from XX/XX/XXXX, which is completely wrong as I already paid for the full year of insurance. How is that possible? What was the XXXX charge for?
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello, Youre currently reporting XXXX XXXX XXXX XXXX as Open on my report but this account has already been closed for more than XXXX  days. This is an improper use of my credit. Please fixed this.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello, Youre currently reporting XXXX XXXX XXXX XXXX as Open on my report but this account has already been closed for more than XXXX days. This is an improper use of my credit. Please fixed this.
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (NY)

XXXX consumer reported late payments to the credit reporting agencies and my score dropped XXXX points I have a car loan which was on autopay since purchasing the vehicle. I have laid ontime and paid more than the note each month I relocated and contacted XXXX to update my address and change bank accts. The mgr was excessively rude to me. This was XX/XX/2022. In XXXX I was updating my budget and realized XXXX had stopped taking funds out of my bank acct, reported my to credit agency. I immediately contacted XXXX to find out what happened. I was notified I owed over {$3000.00} and they could remove the {$39.00} dollar late fee. I asked why was t I contacted the rep said I was phoned but no message was left, the mgr said I wasnt phoned, the rep from exec offices said I wasnt phoned because I was placed on a do not contact list. I asked who put me on that list and why wasnt a letter sent if that was the case. I asked why three different explanations. The rep said she would review the initial call from XXXX and speak with the mgr who was rude.she also said she would ensil a letter that had recently been sent out to me I never received the email and phone back to XXXX a few days later. I spoke with another rep from exec office. He said it was not XXXX fault that the auto billing was ceased and he directed me to dispute it on my credit report. He said he would email my payment history to prove I had never missed a payment. I disputed and the only change was showing two 30 day late payments were previously it showed one thirty day late This was XXXX  fault and my credit is suffering Once I found out I immediately made XXXX separate payments in XXXX and another in XXXX I need some assistance to get this off of my credit reports
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and 605b, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; 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
Consumer complaint received 2019-07-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

I called Midland Funding LLC at least five times last month attempting to get a settlement figure on a debt from 2014. 
Their response each time was that they hadnt finished calculating the total debt which I interpreted to mean they wanted a blank check to attempt to get as much as they for a debt they likely paid pennies on the dollar for.
Consumer complaint received 2024-04-03
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MS)

I paid XXXX plus the XXXX for an am ex card thinking " am ex shouldnt give me any problems like a vanilla or something else... .so i bot the card and tried to use it at joma shop for a XXXX pair of shades... .it didnt work... they told me to go to another merchant... i did... XXXX  which cost me XXXX dollars more than XXXX  ... .i got an XXXX  card to load the rest... but the card got declined at XXXX  ... .their only solution was to send another card that wont work or a refund check that i wont get for 3 weeks ... .both solutions are not acceptable to me
Consumer complaint received 2024-04-04
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: American First Finance, Inc. (SC)

I purchased a refrigerator from American first finance for {$990.00} after a year of paying them {$180.00} a month I now own them {$1600.00} and I had no late payments, so I stopped paying them. NOW they are putting this debt on my credit report of {$1600.00}