davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

First of all I have XXXX, and dealing with this issue has not been easy and is totally unnecessary. I am on XXXX with limited funds, however, I have ALWAYS made my payments on time for the past 16 years, usually around the XXXX due to limited funds and before a late fee. On XX/XX/XXXX, for some reason I went online to check my account knowing that I was going to be making a payment on the XXXX, for my XX/XX/XXXX payment ( I had already gotten my paper statement showing that stated I was due for XX/XX/XXXX ). However, when I got online it said that I was due for XX/XX/XXXX in the amount of {$1300.00} and to call immediately. I did call right away to find out what was going on with my account. I spoke to a lady that said that she didn't see a problem but would have someone look into it right away and get back with me. I never hear back so four days later I called and asked for a supervisor and spoke to XXXX XXXX ( XXXX ). She reviewed the account and couldn't find a problem, therefore, had someone else review the account while I was on hold. She came back on the phone and said they found that in XX/XX/XXXX they reversed my regular payment of {$1100.00}. and took {$260.00} out of my payment and put in my escrow account without my knowledge or any indication on my payment history. There wasn't anything in her notes that said they notified me either. I then told her that I just paid a escrow shortage of {$150.00} in XX/XX/XXXX and then in XX/XX/XXXX they took more. This never reflected on my monthly statements that I was ever late or owed a escrow shortage. At that time I was livid because, I was a XXXX XXXX  XXXX previously and I know that the lateness they are showing on my account will also be reported to the credit bureau as now being 60 days late. On XX/XX/XXXX I continued to make my regular payment until this situation gets cleared up. XXXX advised me that they would expedite this situation quickly and would get back to me as soon as possible. That day after our conversation, I received 4 notices from Mr. Cooper claiming that my account was past due and options available to prevent foreclosure. Since that time, I have gotten a letter saying it could take up to 30 days to correct this issue which will be up on XX/XX/XXXX. The funds that I paid the past two months is now sitting in " unapplied funds ''. They also put a tag on my door knob to call them asap. This is totally embarrassing and humiliating to be treated like this when I have never missed a payment. I will continue to make my payments, however, I am very concerned where this money is going and scared they will start foreclosure proceedings. This whole ordeal has caused me to be suffering from a lot of stress that my health can't afford to handle. I tried to call XXXX on Monday, XX/XX/XXXX for an update, left her a message and two days later I still haven't gotten as much as a phone call. I am enclosing statements from XX/XX/XXXX to present for your review.
Consumer complaint received 2018-06-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Franklin Collection Service, Inc. (AL)

Recently my family has been going through a finical hardship and are only able to pay our bills that are necessary. I called Franklin Collection Services to cancel our XXXX $ a month payment, and the XXXX $ charge they add to that payment because we simply can't afford to pay it for a couple of months, and can not afford the risk of them taking money out of our bank account monthly. I am still able to pay some on our accounts, but I can't give a def amount of how much or when I can pay. They are refusing to stop payments, stating that " you are making payments so we won't sue you ''. I asked to also get a copy of all of my husbands and my accounts, along with the account numbers and how much we owe. They refused to send me that information, which I should have access to. I have actually gotten all my account info from them in the past, and recently filed a similar report about this very issue. After I filed a report about them not giving me my account info, I was sent my account info. Now they are stating they don't send it out that I don't have access to that information. 
At the end of the phone call today after they said that my husband needs to call to try to figure out ways to pay this months payment. I was the one who set up payments because I am on the account with my Husband, and I also told them that we just simply did not have the money to pay it this month. 
Once we are finically stable again, I can of course pay more on this account or continue to pay the same amount as I did the last few months.
Consumer complaint received 2019-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

My original date of disputing this account with the credit bureaus was XX/XX/XXXX. On XX/XX/XXXX I contacted the debt collection agency named LVNV FUNDING to advised them that the account they are reporting to XXXX is fraud and does not belong to me, and that I am a victim of identity theft, and asked them to stop reporting the fraudulent account to my credit file and to remove it from my credit file or report it as does not belong to me, so that XXXX can delete it. They advised me to send in documentation such as : Police report with the disputing acct number on it and its origination date. Proof of identity. Tax returns showing my address, and a written letter explaining why I was disputing the item. I faxed all supporting documents to them on XX/XX/XXXX. As of XX/XX/XXXX, LVNV FUNDING reported this fraudulent account back to my credit file with XXXX again. They keep reporting that it belongs to me, when in fact they have no proof it belongs to me. This item has been removed off my credit file with two other bureaus. But for some odd reason, LVNV is reporting that is belongs to me with XXXX. I have been disputing this account since XX/XX/XXXX.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IA)

I was part of the XXXX credit information hack. I find it unacceptable that I have to call/write each credit bureau individually and pay to freeze ( and again to unfreeze ) my credit file. Some states ( not mine ) appear to agree with me ( {$0.00} to add/remove a freeze ). 

When an incident like the XXXX hack happens, the burden of protecting my credit is on me. It should n't be cumbersome to do so. 

In my opinion, Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information. 

Thank you for taking time to read my complaint.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 2022-09-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reached out to trans union about a serious of inquiries on my credit report that took place on XX/XX/2021 and XX/XX/2021. It appears someone tried to get a approved to purchase a car in those two days. I explained to them that the inquires were fraudulent and I spoke with the companies about it. Its been 4 months and I have yet to receive a resolution from trans union of the companies.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to the bank to look at getting a loan to purchase a box truck and was denied. The branch Manager went over my credit with me and saw several things on there that is not mine XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. I also saw some student loans on there and Im not sure how that is possible being that I didnt even grauduate from high school. Some of them ran my credit without me knowing XXXXXXXX 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. I have reached out to the FTC and the police here. I am doing this on my own and really need someone help with this.
Consumer complaint received 2021-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

My mortgage was in forbearance until XXXX, XXXX. I made my first full payment at my local BB & T branch bank to make sure it got to them in plenty of time. I made my next payment in XXXX and XXXX for XXXX. When I received my XXXX statement, my full payment was not reflected. I have made over 40 phone calls and spent hours on hold. Ive been transferred to many different people, disconnected numerous times, and forced to listen to loud, nerve grating music. In the beginning of this nightmare, I was told BB & Ts computer just hadnt caught up with the surge in payments coming out of forbearance and not to worry. More calls revealed every person had a different answer and my credit is being harmed. I have recorded calls to verify. As of late, BB & T stated the XXXX payment did not in fact, pay, the XXXX payment. Instead they paid the XXXX, XXXX payment in forbearance. My XXXX payment was split and part went to paying forbearance, {$400.00} went into a suspense account. My XXXX payment was applied to XXXX, XXXX to XXXX and now I owe again for XXXX and XXXX with a suspense credit of {$400.00}. BB & T, now Truist, refuses to make me current and continue to argue with me. I had no idea they had misappropriated my funds. I need your help in getting this resolved. I have also reported them to XXXX. The reviews of this horrible bank reflect many people having this problem. I feel they are doing this in the hope of stealing peoples homes and forcing us into foreclosure.
Consumer complaint received 2018-06-06
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. (PA)

I am attaching the investigation requests I sent to the credit bureaus on XX/XX/XXXX. Almost 90 days have passed without a response. They were supposed to respond in 30.
Consumer complaint received 2017-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

Our home was destroyed by XXXX XXXX. We finally got policy limits from insurance, and the check was made payable to my wife and me and our mortgage company, PNC Bank. It was for {$110000.00} more than what we owed on the mortgage. PNC Bank has used the money to pay off the mortgage as we requested, However, they insist that their " policy '' is to take at least 20 days to send us the balance we are owed. So, they are profiting from our loss by getting interest on our money. Our home needs to be torn down, as it is dangerous. But, we need that money to tear it down and begin the rebuilding process. 

PNC Bank should issue our check immediately and pay us back interest on the money for the time they held it to comply with their own self serving " policy ''. 

How many other people do they take advantage of in this way?
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (CA)

I had my credit frozen from XX/XX/2021 until XX/XX/2021. I unfroze my credit so that it could be run because I am in the process of renting a property. On, XX/XX/2021 I realized my scores were low and started to read my credit report. I found that there was a Collection Account originated from XXXX XXXX and going through Credence Resource Management for {$840.00}. It shows the account # XXXX was open on XX/XX/2021. This is complete fraud as I never even heard of XXXX XXXX or Credence Resource Management. I was never contacted and my credit was frozen during that time. I have contacted XXXX and will contact XXXX and also Credence Resource Management to report this fraud.
Consumer complaint received 2021-07-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (OH)

i received a loan for XXXX they told me they would take out XXXX ever 2 week til i payed the loan off which after fee would be XXXX i made all payments and now they say i owe XXXX in interest fees i never even signed a agreement i looked it up and they dont have anything for my agreement to pay that much interest i was told it was XXXX what i would owe what can i do to get this taking care of my name is XXXX XXXX ph number XXXX XXXX XXXX
Consumer complaint received 2024-02-20
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. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX : {$4300.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-09-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THER IS NO THIRD PARTY. MY PURPOSE OF THE COMPLAINT ISN'T TO GET THE ACCOUNTS VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THESE ALLEDGED ACCOUNTS WILL BE PERMANENTLY REMOVED FROM ALL CONSUMER REPORTS. I AM A CONSUMER AS IDENTIFIED IN FDCPA 15 USC 1692a ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-06
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. (NY)

Since XXXX I have been writing Experian asking them to remove a false entry from my credit report and they REFUSE. I was sued in XXXX due to claims I owed money. My rights were violated under FDCPA. I hired an attorney and won my case in US District Court XXXX District of NY in XXXX. Why should Experian be allowed to keep telling the world through my credit report that I still owe the money when a Federal Judge has ruled that I do not owe the money? Reporting false credit information is an FDCPA violation. Experian is violating me under FCRA.
Consumer complaint received 2024-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/year> I disputed fraudulent accounts XXXX also attaching proof of address etc I disputed with TRANSUION & XXXX via XXXX mail with proof of identity theft In which according to section. 605 b of the fair credit reporting act those accounts disputed should have been removed within XXXX buisness days however they were not in which TRANSUION & XXXX decided not to properly investigate and remove those items nor did they take my identity theft into a serious matter this has caused emotional distress so now I have no choice but to XXXX TRANSUION. & XXXX both for {$XXXX} each for damages they have caused I will also like to add they have also violated the fair credit reporting act clause in which thats also a legal violation under the fcra law if these accounts do not be removed in 4 days i will file a legal suit also I XXXX want to add if both parties TRANSUION & XXXX do not send out my {$XXXX} emotional damage check I will sue as well
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

I have a loan with SEARS/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and SEARS/CBNA with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/2018.
Consumer complaint received 2023-02-17
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts Or list of inquiries in the letter attached has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

Experian is not allowing consumers to unfreeze credit online. 


Experian has a system were they are NOT allowing consumers to unfreeze credit online. They will only honor unfreezing online if you purchase one of their products.

A while back I froze my credit with all 3 bureaus. I have my valid pin with Experian, but they request that i mail in documentation since I am not subscribing to one of their products .... 

Please investigate Experian as they are clearly fleecing the general public ... ..
Consumer complaint received 2020-10-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (MN)

There was an international wire transfer initiated in the XXXX that was sent via XXXX to Wells Fargo that was supposed to be sent to XXXX XXXX XXXX XXXX. The amount was for {$91.00} and the transfer was sent on XX/XX/2020 and was supposed to arrive on XX/XX/2020. It has been held up by Wells Fargo ever since. I have attempted to contact XXXX, but since I'm not the sender, I can't talk to them about the transfer, I tried contacting Wells Fargo, but since I'm not a customer of their 's, I can't talk to them about the transfer. I tried contacting my bank, but they can't do anything for whatever reason.