davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (KS)

Im submitting this complaint with XXXX  because my credit score was negatively impacted due to XXXX reporting late payments against me. My credit report shows late payments were reported during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was a loyal customer to XXXX  ever since I received my Credit Card in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX for the months reported as late and I scheduled my payments to be withdrawn from my bank account on-time for those bills. XXXX either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the months reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payments were not posted when I logged into my online XXXX account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payments had successfully been transferred to XXXX. 

I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any of these payments as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for almost 6 years due to late payments on my record caused by XXXX. Since these late payments are not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX  to remove the late payments during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. 

If you have any questions, or require further information from me, please feel free to contact me at your convenience.
Consumer complaint received 2021-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

XX/XX/2021 * {$85000.00} was transferred by wire to my mortgage company and listed as unapplied funds XX/XX/2021 *i contacted mr. cooper and was told the funds would be applied in 2-3 days and posted as of the XXXX XX/XX/2021 *i contacted mr. cooper again about the unapplied funds and was told it was not enough to pay off my mortgage. i explained again i was not trying to pay off my mortgage, it was to be applied to the principle. i was informed it would post in 3 days and be applied as of the XXXX of XXXX XX/XX/2021 *i called mr. cooper and spoke with an agent who told me the funds would go through within 24 hours. i informed her i was already told twice that this would happen and did not want to end the call until i knew it was resolved. 
*i was transferred to escalations who informed me they wired my money back to my bank account because it was not enough to pay off the loan. i explained yet again it was not a payoff and that it was to be applied to principle. then i was told they wouldn't accept it because it was more than 90 % of the payoff amount. there is nothing in my mortgage, nothing on their website, nothing on my monthly statement indicating this 'policy '. no one that i communicated with before or after the wire transfer stated this policy. i asked about the wire transfer fees, the interest accruing since the XXXX, and was told these were all my responsibility and there was nothing they could do. 
*i called my bank and they have no record of the wire and let me know it should be there by the XXXX of XXXX. at that point my money will have been tied up for 3 weeks. it will take another 4 days for it to be sent back to the mtg. company. in the mean time, i am incurring interest on {$85000.00} of my loan that i should not be accruing at $ XXXX a day. 
*i called mr. cooper back and filed a complaint and was told i should speak with a manager *i called mr. cooper again and asked for a manager. i was sent to escalations for the 3rd time. i reiterated that i wanted to speak to a manager. i was on hold multiple times throughout this over 30 minute call. still no manager. still unresolved. 

all i want are the wire fees to be refunded and balance to be applied to the principle as of XX/XX/2021 when they were originally received.
Consumer complaint received 2018-02-01
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: CORELOGIC INC (CA)

1. XXXX pulled my credi three times - I never gave permission to " XXXX XXXX '' Nor did I give verbal, written or any permission to RUN MY CREDIT!!! 

I Did not give XXXX permission to run my credit nor did I sign any documents or paper work, They are REQUIRED to remove these Hard Inquires within 30 days. I do not know them nor have I EVER spoke to anybody from XXXX, XXXX XXXX XXXX and or XXXX XXXX. 

Todays date is XX/XX/2018 at XXXX I request they show signed documented proof of my signing an OK or giving a AUDIO Recording of me giving them permission, This company does not have permission and I did not speak to anybody from this company. Therefore I request them to remove these inquires within 30 days. Should it go over 30 days I will seek legal action against all parties for fraud. 


Thank you, XXXX XXXX
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

Hello, I filed a complaint about this on XX/XX/2020 COMPLAINT ID XXXX This issue has not been resolved. On XX/XX/XXXX I purchased a fridge from Lowes. I opened a credit card on that same day and paid {$700.00} dollars on the credit card at the Lowes store in XXXX, New York. I was paying down the fright monthly until I decided to cancel the purchase of the fridge. The total amount I paid towards the fridge was {$1500.00}. I put in a request to have the money that I paid down returned to me but Lowes only sent me a check of {$770.00}. That is not the full amount of what I am owed. I have called Lowes customer service repeatedly and have not gotten a response. I also called Synchrony Banks customer service. I went into the store and spoke with to the Operations Manager for Lowes in XXXX, New York. Her name is XXXX XXXX. XXXX promised me that the situation would be resolved in week. I attached the chain of emails showing we were in contact and she stopped responding to me. I was then put in contact with Miss XXXX. He said she would get back to me and has not updated me about the issues to this date. The last time we spoke was on XXXX/XXXX/2020. I have called several times and have received no response.
Consumer complaint received 2023-04-02
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: DISCOVER BANK (IL)

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I have disputed this several times in attempt to correct the inaccurate information that is being report, however Discover has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

Green Tree Servicing initially refused to speak with my client regarding the status of his mortgage following the death of his partner. He filed a complaint with the CFPB. XXXX CFPB Complaint No. XXXX ). Green Tree agreed to add him as an authorized third party on the account, presumably in order to avoid regulatory attention. Green Tree was briefly willing to discuss the account. Now Green Tree has rebranded itself as Ditech and is again refusing to speak with him. I am concerned that my client may lose his home because Green Tree/Ditech does not have a uniform policy in place to establish communications with surviving partners -- particularly where a house is held jointly with a right of survivorship and the property passes outside of a formal probate process.
Consumer complaint received 2024-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MA)

My Experian Report Number Report # XXXX. 

Account name XXXX XXXX Account number XXXX Date opened XX/XX/year> Balance {$6500.00}. 

Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX This is a communication that I am disputing this account that is illegally defaming my credit report and is violating 15 USC 1681b, 15 USC 1692.

I need the original contract with the original Creditor of the alleged debt with my signature. I also need payment history with the original creditor and I need proof of assignment.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

Fiked a claim # XXXX amounts of XXXX and XXXX on XX/XX/XXXX with chase bank regarding merchant service claim was denied. I spoke with a chase claims rep on or about XX/XX/XXXX XXXX in regards to reopening the claim. The rep stated they would reopen my claim and said if I have any additional documentation I can send via mail or fax. On or about XX/XX/XXXX faxed Additional documentation to Chase claims department. On Thursday XX/XX/XXXX spoke to a Chase claims supervisor a who informed me fax documentation had not been received yet to call back the next day and if fax documentation was received to request the reopen the claim as Chase was willing to take a second look. On Friday XX/XX/XXXX spoke to Chase claims rep claims acknowledged receipt of the fax i sent and stated he entered for claim to be reopened and request for a temporary credit to be applied. The claims rep also stated that the inital claim filed was very vague and that he would provide additional details. Called on XX/XX/XXXX claims spoke with rep and was told claim was denied. Explained to the rep the claim was supposed to be reopened. Rep stated claim was NOT reopened and put me on hold while she spoke with the back office. Rep came back after about 5 or 10 minutes said sorry they not going to reopen claim. I asked to speak to speak with a supervisor as I was told claim was to be reopened The rep rudely and coldy stated speak to a supervisor for what it ain't gone change nothing,! I still requested to speak with a supervisor. Was eventually transferred to a supervisor and the supervisor said it was not reopened then begin to say it was denied again by chase then I asked how was it denied if it wasn't opened again. Supervisor then stated Chase didn't deny it deny it Visa denied it. I got contradicting statements and seems.like outright lies from different reps and suoervisors. Why was I even asked to submit additional info if it was even going to be reviewed. The initial claim was very vague and really no information entered by the claims rep which didn't help either. Also chase never sent any request for additional information to clarify the claim from me when the claim was initially filed.This is not acceptable.
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I've disputed this account several times with the collection agency that this is not my account. I filed a FTC report as well and they're still trying to collect this debt. This collection is damaging my credit report and causing me several thousands of dollars in higher interest rates as well as I lost the ability to purchase an investment property. 

I've spoken with this agency several times with no resolution. They also can't provide any information after making several requests to verify and validate the debt. We're seeking litigation as well to resolve this matter.
Consumer complaint received 2015-07-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AUTOMOTIVE CREDIT CORPORATION (KS)

As someone raised on an XXXX with no experience in what credit is, I made bad choices. I got a car XX/XX/XXXX it 's {$380.00} a month with insurance that costs {$160.00} a month. I want lenders to explain what 's required every month. I still have a year on a XXXX Hyundai Accent. From {$11000.00} to {$25000.00} is what I will pay in the end. I struggle with paying my rent but it 's my only car.
Consumer complaint received 2024-01-28
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: Experian Information Solutions Inc. (FL)

I am writing to bring to your attention an unresolved matter with Experian, a credit reporting agency, regarding inaccurate information on my credit report. On XX/XX/2023, I contacted Experian regarding discrepancies in my credit report, specifically related to the following accounts : Account : XXXX  XXXX Account Number : XXXX  Date Opened : XX/XX/2023 Balance : {$160.00} Account : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2023 Balance : {$340.00} Despite my initial contact with Experian on the mentioned date, I have not received any response or resolution from them. The inaccuracies involve accounts that were never late, and I believe it is imperative that this incorrect information be promptly corrected on my credit report.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (FL)

Account Name XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX In accordance with the Uniform Commercial Code Article 9-210 I am requesting accounting of the alleged debt.

This information has has violated my rights under the FCRA. This has caused XXXX XXXX, loss of opportunities, Credit loss to say the least. I am unable to purchase a home for my family. 

By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof, update my payment history, remove negative remarks and change to PAANL status ( Paid as Agreed, Never Late ).

I will be seeking { {$5000.00} } in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (FL)

Robinhood locked XXXX of the cash in my account. Claiming the error was on my end. 

I sent them screenshots and followed every step that they claimed would free up my account. 

They literally gave me a run-around like some scammer. I XXXX this problem to discover that it is a common one. This is not acceptable behavior, especially not for an institution that handles consumers money. I honestly do not know how they are still allowed to conduct business in the United States.
Consumer complaint received 2017-06-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (FL)

I conta  cted New Day USA for a mortgage refinance on my current mortgaged property.
I was then called 1 m  inute later by a sales representative named  XXXX   XXXX  who asked me questions to apply for a mortgage loan with them.   First, he says " thank you for your service ''. I hate that.   After enough questions he asked to do a credit check and asked me for m y SSN.    Unfortunately, I gave  him my SSN.   XXXX  said m y credit score w as  XXXX .   After asking that only then did he ask about my employment situation and since I have n't worked for an employer in 5 months, he could n't qualify me for the loan.   I told him I have investment income ( stocks ) from dividends and I have a job starting on  XXXX   XXXX . But that was not enough. So, I asked him why could n't he have asked that question prior to running a credit repo rt with my SSN?    He said " that is not how it works ''.   Well, that should n't be how it works and now my credit is negatively affected and have not been approved for a loan.   They hurt veterans, not help them.
Consumer complaint received 2021-09-03
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: CLGF Holdco 1, LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ... XXXX XXXX... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2017-06-20
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: Independent Savings Plan Co. (FL)

XXXX The account was paid in full via the XXXX XXXX XXXX arrangement for a payoff date directly with them they agreed to. How can anyone continue a security hold on a paid item- duh? That hold needed to come off once the account was paid. Never was I advised I was closing the account. At minimum the account should be moved to good standing paid. This is beyond comprehension that it should remain in the negative side of the report causing me untold financial harm! <P/>Their retort- When an account closes, ISPC has an obligation to report that accurately, using the format set by the credit reporting agencies. To report an account as closed ISPC must either indicate the account as closed by consumer or by credit grantor. Since it was not our decision to close your account, but rather you through your mortgage lender, we reported the account as having been Closed by consumer. <P/>1 this was a requirement of the Title Company when a home closes. It was not my request to close the account as they stated it was THEIRS- and that should reflect on the account pas paid in the positive column. 2- I was advised by them verbally the account would remain open. So much for Oral agreements! ' The key word accurately! I never closed the account- it was by nature of another lender and they never asked the account be closed just the security hold removed from public records. [ as closed by consumer or by credit grantor. ] If this is the companies policy then let them report accurately as they openly state they are required to do. How can they post this in the negative when they were involved in the account payoff?
Consumer complaint received 2022-11-17
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. (GA)

I have rights under 15 USX 1681. 
XXXX is governed by 15 USX 1681, and they violated my rights numerous times. I demand the accounts listed below be removed ; XXXX XXXX XXXX  xxxxxxxxxxxx XXXX XXXX XXXX XXXX  xxxxxxxxxxxx XXXX XXXX - XXXX XXXX  xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX  XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USX 1681 ; I have the right to privacy and I did NOT give XXXX  permission to furnish these accounts
Consumer complaint received 2020-10-07
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: Experian Information Solutions Inc. (IL)

On XX/XX/2020 & XX/XX/2020 XXXX disputes were submitted to Experian with no response from the credit bureau. I called today XX/XX/2020 and they have no record of receiving these letters. I have attached the tracking from the certified mail sent both times saying it was delivered. I have attached the dispute letter as well.