davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I received a letter dated XX/XX/XXXX from XXXX bank stating that Mr Cooper would be servicing my mortgage after an effective transfer date of XX/XX/XXXX. I set up my XXXX bill pay to make sure the payment would not be late and to reflect Mr Coopers payment information. I called Mr Cooper on XX/XX/XXXX to make sure it was ok to make a payment and they told me to wait until XX/XX/XXXX to make the payment. I made the payment on XXXX and noticed the next day that it said it was scheduled for XX/XX/XXXX. I checked my bank on XX/XX/XXXX and saw that money was deducted from my account but after checking Mr Coopers website the next day it said my payment was 18 days late. I called my bank today on XX/XX/XXXX after seeing I was now 19 days late and they said Mr Cooper cashed the check ( that they requested instead of sending the money electronically ) on XX/XX/XXXX. I then googled Mr Cooper complaints and saw XXXX  had XXXX complaints filed and only has a XXXX Star Rating on XXXX reviews. After reading several of the reviews I also noticed they have a court judgement against them basically for predatory business practices which seemed to match the opinions of the consumers reviews being charged additional fees for Mr Coopers incompetence in servicing their loans.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I booked a round trip flight from New York to XXXX, with a layover in XXXX both ways, using my Chase Sapphire Reserve Ultimate Rewards Points. On XXXX XXXX, I departed for XXXX. When I arrived in XXXX on XXXX XXXX, I went to check in for my flight to XXXX. The airport staff informed me that this flight was cancelled months ago. I was left in XXXX with nowhere to stay and no information on a rebooked flight. It was a very upsetting experience, to say the least. 

I called Chase customer service on XXXX XXXX to try to work out this problem. The customer service agent informed me that she was aware of my cancelled flight. However, Chase never informed me the traveler that my flight was cancelled months ago. They withheld critical travel information from me, and would not help me rebook a flight. 

I had to work with XXXX XXXX through their XXXX customer service to get rebooked on a new flight. XXXX XXXX also told me that they informed my travel agent Chase that this flight was cancelled months ago. 

The new flight was in a separate airport, so I was forced to pay {$37.00} to take a bus to the other airport to take my next flight. I also was forced to experience an unexpected 9-hour layover, causing me to miss the first afternoon of my vacation at the destination. Overall, this was an extremely poor experience because of poor communication from Chase. 

On XXXX, I began emailing and calling the Chase hotline. A manager informed me that the bank would reimburse the bus fair by check. They said they would call me back in the next few days to confirm. 

They never called me back. 

I called back again 3 more times that montheach time, they told me the check would be there soon, in no more than 4-6 weeks. 

It is now XXXX. XXXX. I have been speaking with Chase on XXXX to try to resolve this issue and they are telling me I have to wait another 4-6 weeks to get this check.

It has been MONTHS. All I want is a check for this money, or even a {$37.00} refund on my account. I dont feel that I am asking too much, but I am being given a huge runaround from the bank. I actually feel really sad as a Chase customer right now.
Consumer complaint received 2018-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (IL)

I have been contacted repeatedly on the phone, several times a week for the last few months by Harris and Harris, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, to collect a {$75.00} medical bill dating back to XX/XX/XXXX. 

This was part of a medical claim that was involved in a personal injury lawsuit, that was settled and PAID by a lawsuit I won to XXXX  XXXX XXXX XXXX XXXX XXXX in approximately XX/XX/XXXX. For some odd reason, this one bill was accidentally left off the entire group of bills. I have cleared this with the hospital, and they have it on their records that it has been written off as part of that settlement. 

Harris and Harris refuses to contact them to verify this, telling me it is my responsibility to take care of this debt. I can't even get past the initial introductions, as they demand my full name, address, birth date, and contact info before they even start to talk to me about anything. I have been harassed several times a week not for months with these calls, and finally today I told them I will be suing them if they continue to call..and it is their problem to call and verify the fact that this is not a legitimate debt and never was they are trying to collect on. 

XXXX XXXX XXXX won't call, they claim the Harris and Harris has to check with them, so I am stuck in the middle ... can someone help please, before I have to get an attorney?
Consumer complaint received 2018-12-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

We have our mortgage through Bank of America. We were told if we paid down principle to 78 % of the original amount that the mortgage insurance payments would automatically stop. We paid the amount in  XX/XX/2018 and the PMI never stopped. I called three times and was told it would happen automatically. I called a fourth time in XX/XX/2018 and was told I needed to apply to have the PMI cancelled, which I did then and it has since been cancelled. I was upset at being repeatedly given the wrong information and filed a complaint at my bank branch. I requested a refund of the overpayments and BOA now, a month later, says that will take months and will be subject to a HUD review since it was an FHA loan. This is frustrating since BOA repeatedly gave the wrong information and they refuse to fix the problem. I am also concerned this could a symptom of a bigger issue at BOA in regards to their ability to service mortgages correctly.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-10-20
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: NAVY FEDERAL CREDIT UNION (TX)

I noticed that a charge that was authorized XXXX XX/XX/2022 was not posted paid until XXXX XX/XX/2022. I prepaid for my services with XXXX XXXX on this card with the intention of paying off a car repair I was going to make. I checked my account daily and noticed that my payment would not post. Navy Federal 's policy is to pay two to five business days after it is posted. It was posted on XXXX XX/XX/2022, so it should have posted within that week, but it did not. I was told by a representative that different merchants have different policies on when they are going to post the payments. I was told sometimes it takes up to 15 business days for them to authorize it. My payments are always automatically authorized. No payment I make is delayed. I've made purchases even bigger than this and they were authorized and posted within three days.
Consumer complaint received 2024-02-29
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2022-10-20
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. (MS)

A few months back I requested my credit report from XXXX, Equifax and XXXX. I found multiple discrepancies listed on my credit file after recalerts that my information was found on the XXXX XXXX  with these agencies. That included places that I have never lived incorrect spelling of my name and accounts that do not belong to me. The last four of my social security number being incorrect also. I went through the process of trying to have this information removed. I also submitted letters to them asking them to verify the information. They sent me the responses back may be about a week after submitting complaints to them stating that the information may be correct. I feel they didn't do a thorough investigation into the matter. I sent each copy certified return receipt. I still did not get any results because it cost {$8.00} each time you send return receipts and over time that gets expensive. XXXX charges {$24.00} for a credit file lock and that gets expensive also.
Consumer complaint received 2018-04-25
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. (AR)

1. I have excellent credit.You would never know it with the credit rating I was given which I felt was XXXX. 
2. My ex husbands debt was on my report when it was court ordered to be removed. This was for a co-sign that took place back in 1989. I had no ideal what my ex was using this loan for. The payment on that debt as far as I know is up to date. 
3. Experian left off the fact I had a sufficient debt in my name paid in full for siding with XXXX XXXX. This is part of XXXX XXXX. They did an excellent job.I would recommend them to anyone. 
4. I gave a list of existing businesses that have been paid in full that apparently was not on my credit report.This is included house repairs that were paid in full. 
5. The continual delay in refusing to have my score where is should be at 110 % is causing unnecessary stress, as well as insult to injury. It is also causing a delay in a purchase that should have happened a month ago. 
6. I have never been late on any payment for anything. My family as well as dear friends do not appreciate the continual delays that is seriously causing harm .It feels like credit scores are just another way for folks to be ripped off.
Consumer complaint received 2022-06-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I have submitted disputes to the three major credit bureaus. I submitted my dispute on the XXXX of XX/XX/2022, today is XXXX XXXX according to the policies listed with these bureaus I was supposed to have a completed investigation by now. For my dispute submission, I sent in copies of my full credit report with highlighted and circled incorrect information, including a cover letter stating what I was disputing from the bureaus.
Consumer complaint received 2017-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Called Trans union for victim of inquiry issue on XXXX XXXX. Customer service would not help me take off inquiries they had took off prior. Try to take off XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX mortgage XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

It is alleged that I was in default since XX/XX/2007, for a total default amount of {$11000.00}. This is not true because I made the following payments after XX/XX/2007 : XX/XX/XXXX- {$5400.00} ; XX/XX/XXXX- {$4100.00} [ Unapplied in suspense account ] ; XX/XX/XXXX- {$1300.00} [ Unapplied in suspense account ] ; XX/XX/XXXX- {$5400.00} ; XX/XX/XXXX- {$4100.00} [ Check was returned ] ; and XX/XX/XXXX- {$4100.00} [ Check was returned ]. 
There were two unapplied payments : {$4100.00} ( received on XX/XX/XXXX ) and {$1300.00} ( received on XX/XX/XXXX). The payment of {$4100.00} was sufficient to pay in full the then monthly payment of {$4100.00}. The excess payment of {$1300.00} should have been applied to any late charges due. In the alternative, the payments of {$4100.00} and {$1300.00} should have been added together to total {$5400.00} and applied to pay in full the amount of the previous monthly payment of {$5400.00}. In any case, neither payment was ever applied. 
I request the return of the {$5400.00}, plus interest, that is being kept in a suspense account. Because of the misapplication of my payments, my account was wrongfully alleged to be in default. If my payments, a total of {$16000.00}, had been applied towards the mortgage, no default could have been declared for failure to pay {$11000.00}, nor a foreclosure action filed for failure to pay that sum.
Consumer complaint received 2018-04-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CO)

I have two accounts with Coinbase.com and have contributed about {$30000.00} to my account. Coinbase isn't allowing me to withdraw my holdings out of my accounts and is showing less money in my account than I contributed. I have reached out to them numerous times over the past 10 days and haven't gotten any resolution. i don't know what to do. I need my money immediately for a home purchase.
Consumer complaint received 2022-06-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have submitted disputes to the three major credit bureaus. I submitted my dispute on the XXXX of XX/XX/2022, today is XXXX XXXX according to the policies listed with these bureaus I was supposed to have a completed investigation by now. For my dispute submission, I sent in copies of my full credit report with highlighted and circled incorrect information, including a cover letter stating what I was disputing from the bureaus.
Consumer complaint received 2019-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (MD)

An old debt from XXXX XXXX in XX/XX/2014 was already paid before it reached collections. However, Common Wealth Financial purchased the debt from XXXX XXXX XXXX, who was also repeatedly told not to contact or sell my personal information with anyone They were also told to cease and desist all contact with me in the future.
Consumer complaint received 2018-08-16
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. (TX)

THIS IS MY SECOND TIME CONTACTING YOU ALL REGARDING THIS ISSUE. Incorrect and inaccurate information is being furnished on my credit report. I do not owe XXXX XXXX nor do I have an outstanding balance with them. see attachment as proof of inaccurate information.
Consumer complaint received 2018-12-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I responded to an offer from HSBC Bank to open a checking account and receive a $ XXXX bonus. I submitted an application giving all of my private information and the application was rejected on the basis that the bank could not verify my identity. 

I called customer service and they said that there was a final decision by the computer. 

I told the representative that based upon their offer, I submitted all of my private information including date of birth, passwords, bank account numbers social security number addresses etc. and that they took this information fraudulently.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

As a follow-up to the complaint I filed against Specialized Loan Servicing LLC ( SLS ) on XX/XX/2019 regarding the fraud they committed with the application of my monthly mortgage payment ( please refer to complaint number # XXXX ), SLS has once again committed fraud, this time by falsely certifying to XXXX  that the information reported to them was correct when I disputed their false reporting that my mortgage payment was more than 30 days past due. 

I can't stress enough how CFPB MUST take action against this criminal company!! The fraud they commit is blatant and outrageous!! Their actions are EXACTLY like the criminals who ran XXXX XXXX. I'm sure a similar {$2.00} XXXX fine  assessed against SLS would finally get them to start acting like a proper mortgage servicing company!
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MI)

XXXX XXXX XXXX is attempting to collect a debt I do not owe. They are claiming I owe {$180.00} for XXXX XXXX XXXX XXXX. I have asked them to validate the debt with a signed contract and they did not provide me with one. All the sent me was a bill from XXXX. Per XXXX  policies and individual can not have an insurance policy while having an unpaid past due balance. I am currently insured through XXXX! This is not my debt. I have written numerous times to the credit bureaus to remove this account and they say the company validated the debt. They will not send me any documents that they have that proves this is my debt.
Consumer complaint received 2018-12-12
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. (CA)

According to my recent credit report request from XXXX, XXXX, and Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Account # XXXX Reported to XXXX, XXXX, EXPERIAN, PROFIT AND LOSS WRITEOFF ( AUTO LOAN ) XXXX XXXX Account # XXXX Being Reported to XXXX, XXXX, EXPERIAN CHARGED OFF ACCOUNT BAD DEBT XXXX   Account # XXXX Being Reported to XXXX, EXPERIAN ( ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, ) XXXX Account # XXXX Being Reported to XXXX, and XXXX ( CHARGE ACCOUNT ) XXXX Account # XXXX Being Reported To XXXX, and XXXX  ( CLOSED OR PAID ACCOUNT/XXXX   BALANCE INSTALLMENT SALES CONTRACT ) XXXX XXXX XXXX/XXXX XXXX Being Reported To EXPERIAN ( INACTIVE ACCOUNT REVOLVING CHARGE ACCOUNT ) XXXX Account Number # XXXX Being Reported To XXXX ( FLEXIBLE SPENDING CREDIT CARD ) XXXX  XXXX Account # XXXX Being Reported To XXXX  ( STUDENT LOAN ) XXXX XXXX Account # XXXX Being Reported on XXXX ( PLACED FOR COLLECTION )
Consumer complaint received 2018-12-12
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. (MI)

I have sent 4 dispute letters to Trans Union to update or remove inaccurate information from my credit profile, and they have not did there due diligence in this process, meaning they are getting results back in less than a week, proves to me that they are not following the FCRA guildlines and just using the XXXX system, and not letting a letting a human actually do there job. They have yet to send me documentation on how the investigation was complete and proof of documentation from the original creditors in question. I have asked for this information several times with no results, they probably are use to consumers just saying forget it but not me. they need to be held accountable for not following the laws and making there own rules. they hoped I would just go away but guess again.