davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

Husband, XXXX Veteran, lost job. We got behind on payments. Mr. Cooper/Nationstar restructured the loan added {$600.00} to the monthly pmnts for 12 months. Husband got new job, but could not afford NEW $ 3000 monthly pmts. Mr. Cooper wanted full pmnt on arrears ( {$6000.00} ) to get back on regular pmnts ( {$2400.00} ). Asked Mr. Cooper/ Nationstar to move arrears to the end of the loan. REFUSED. We tried to make payments in other amounts. Mr. Cooper cancelled the restructured loan, and REFUSED to take payments demanding full arrears. Meanwhile, trying to get caught up on other accts. Listed the house for sale. Aprox 3 weeks after listing, neigbors tree fell in our yard causing non- estructural damages to the property. Had a potential buyer, but due to damages ( fence, gazebo, exterior, aprox $ 50k ) buyers offer was cancelled. Settlement for damages from XXXX XXXX aprox $ 25k. Repairs were done as required by Mr Cooper/Nationstar. Inspectors from Mr. Cooper came home on XX/XX/19 and prepared 100 % repairs completion report, inspector REFUSED to provide us with copy of 1 page report we signed, his name or contact number. WE NEED to provide XXXX XXXX ( per claims department ) with copy of the 100 % repairs completion report from Mr. Cooper to get $ XXXX settlement money released from claim. Mr. Cooper REFUSES to release the 100 % repairs completion report and for 2 weeks has been giving us all kind of excuses, still uploading, I see it, but cant download it, maybe this afternoon, call us again, its no longer available, will send a research request we might need to schedule new inspection unfortunately we dont do emails or fax, once report is available we will mail you a copy, etc .... Inspector from mortgage ( independent contractor ) explained to us report would be ready and avail within 24 to 48hrs. after Inspection. Two ( 2 ) weeks from inspection still no report, still no money from XXXX XXXX after 3 months. Foreclosure begins XX/XX/19. Husband requested a loan modification early XXXX they insist they will NOT have an answer BEFORE XX/XX/19!?!?? We wanted to use settlement money to pay arrears, get caught up, go back to regular payments and save our home where a XXXX and XXXX y/o grandparents live, and a kid in college, and 2 dogs, and a cat, husband and wife trying just about everything to save our home. Mr. Cooper/Nationstar has put all kind of obstacles and refuses time after time to help us in any way to save our home.
Consumer complaint received 2021-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I KEEP SENDING MY DISPUTES TO THE CREDIT BUREAUS AND I'M NOT GETTING ANY RESPONSES. IT'S BEEN SEVERAL MONTHS NOW.
Consumer complaint received 2019-08-10
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: Experian Information Solutions Inc. (CA)

In all the years that I've been doing business with companies, I have never talked to anyone from these creditors. I did not purchase anything from them. I do not recognize these companies and I do not owe them, remove this from my credit report ... XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (NJ)

Since 2016 I have contacted XXXX XXXX XXXX to tell the the balance is inaccurate and I had health insurance with a copay of {$300.00}. Radiant Solutions is telling me that they know I had insurance and that is the physicians bill. I have been to this hospital many times for this same treatment, my XXXX, always {$300.00}. XXXX XXXX XXXX used the old insurance I had on file and I have given them my new one at time of service and called them twice to take my new once which they did and now here we are 3 yrs later. I called each creditor to explain and all said it would be handled. Now I tried to make a settlement offer of {$300.00} with Radiant and they refuse to accept it. This debt is inaccurate and I do not own it
Consumer complaint received 2021-05-03
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. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXXCal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2020-11-04
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)

The credit bureaus said they dont have contracts that i signed and they contacted the creditors and they say the information is verified. How can they verify my derogatory accounts if they dont see physical proof that i signed a contract. The credit bureaus or the creditor has not presented a contract for any of my derogatory accounts that i supposedly signed for. Every account that i disputed has to be deleted according to the Fair Credit Reporting Agency. They are violating my rights.
Consumer complaint received 2019-08-10
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: EQUIFAX, INC. (CA)

In all the years that I've been doing business with companies, I have never talked to anyone from these creditors. I did not purchase anything from them. I do not recognize these companies and I do not owe them, remove this from my credit report ... XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-02-01
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: Aargon Agency, Inc. (OH)

Hello, I just checked my credit report today and it has a new unknown inquiry that has appeared on my XXXX XXXX report on XX/XX/22 stating that I owe a balance of {$3700.00} to XXXX XXXX  XXXX by way of XXXX XXXX. I spoke with a collection agent from XXXX today and the residence that theyre saying I owe a power bill balance for, I never even lived at, nor do I know anyone in that area. So the agent advised me to contact you and to file a Fraud ID report.
Consumer complaint received 2020-09-21
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (TX)

They are increasing the loan overtime without explaining why it is increasing. It is hurting my credit score.  It also does does not show the date of last activity. It is inaccurately reporting and they are not in compliance.
Consumer complaint received 2021-02-01
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: EQUIFAX, INC. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I received two letters stating that my minimum payment of {$0.00} had not been received. They reported me to the credit bureau twice, on the same day, for being 30 days past due, for two different months. I called them to find out why they sent me a letter that said I owed them {$0.00} but they were reporting me. My statements show a previous balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment account but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer glitch and it would get worked out. My account was set up for automatic payments and enough funds were in my account to cover any payments needing to be made. Their system and procedures obviously have errors which need correcting and they should consider fixing them so that they are not giving out inaccurate information and then holding the consumer responsible for the banks mistakes. I work overseas and rely on accurate and helpful documentation being provided, they did not provide any documentation by mail that would have assisted me in resolving any issues, but they did provide documentation that I have a {$0.00} balance.
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

Today, XXXX, I closed my XXXX XXXX XXXX from Barclays and attempted to get my annual fee refunded. 

According to customer service agents I spoke to during calls on XXXX, XXXX and other dates, the policy of the XXXX XXXX XXXX was to refund the annual fee if the account was closed within 60 days of the annual fee being charged. 

I requested and confirmed the exact date that this 60 day period would elapse from several different customer service representatives on the above dates. Each and every customer service agent stated that XXXX was my last day to close and receive a refund. 

I closed my account on XXXX, but the customer service agent stated that they could not refund the annual fee for some reason, but that they could open up a " case '' to see if they would decide to refund the annual fee. This case would take anywhere from 45-60 days to process. 

I spoke to a supervisor about this issue who closed my account and provided me with the case XXXX XXXX XXXXXXXX. The supervisor also informed me that the reason they could not refund the annual fee was because the 60 day period began on my " anniversary '' date, which was XXXX, not the " annual fee billing date, '' which was XXXX 

According to her, I could just keep the card since I paid the annual fee already, or she could file the case. I informed her of the previous statements made by customer service representatives and she apologized that they were misinformed. 

I feel that this is bad behavior from Barclays and I can not trust them to operate in my interests regarding the outcome of this case. I filed this complaint immediately after the call to preempt any shenanigans on their part. I have also paid the {$99.00} fee to prevent interest from accruing in the mean time.
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metro Area Collection Service, Inc. (FL)

The companies Metro area collections services llc, and XXXX XXXX are falsely reporting amounts owed by adding fees and who knows what else. And attempting to extort me, originally tried collecting XXXX now want over XXXX XXXX. Metro area collection service is conducting illegal debt collection harassment by reporting whatever they want. without supervision, this company will continue to attempt to extort consumers. action needs to be taken original debt XX/XX/XXXX Total : {$1000.00} current debt : XX/XX/XXXX total : {$5200.00}
Consumer complaint received 2021-07-09
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. (NY)

Transunion deducted 8 points from my score just because an account closed I had paid off in full. Never missed any payments or late payments. Transunion deducted 8 points from my score because the account closed. It has to close if it's a XXXX balance. I work to hard to get my score high and I don't need no robot taking points off my score when it should be adding. I want my 8 points put back on my transunion account as well as additional points for never missing a payment. This glitch in their system is ruining people lives. I want my 8 points back!!! Thank you. The name of my lender is XXXX XXXX. That's the name of the closed account.
Consumer complaint received 2020-09-04
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. (CA)

I filed a complaint against XXXX XXXX reporting an unauthorized hard inquiry on my credit report. i received their response that they sent a request to the credit bureaus to remove that hard inquiry. BUT ACTUALLY XXXX XXXX sent a notification to Equifax asking them to remove my XXXX XXXX account instead of removing the hard inquiry. i called Equifax and they referred me to XXXX XXXX. Capital One was unable to handle this case, wasted a working full day on phone communications.
Consumer complaint received 2017-12-18
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. (IL)

Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below 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 INQUIRIES 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 XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Coinbase, Inc. (KS)

On XX/XX/XXXX the 2021, {$500.00} was charged to my visa XXXX card to Coinbase I did not authorize. I have tried dispute with my bank and with Coinbase and have gotten no help my bank closed my account due to complaining about this issue they have a no buying cryptocurrency policy and they still allowed this transaction to be approved. I have no idea where my {$500.00} is and why no one will help me.
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (LA)

XXXX XXXX is XXXX XXXX of XXXX who steals money out of my accounts with duplicate authorizations. I divorced XXXX XXXX of XXXX who is President Clinton of XXXX XXXX XXXX XXXX Incorporated.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I received two letters stating that my minimum payment of {$0.00} had not been received. They reported me to the credit bureau twice, on the same day, for being 30 days past due, for two different months. I called them to find out why they sent me a letter that said I owed them {$0.00} but they were reporting me. My statements show a previous balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment account but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer glitch and it would get worked out. My account was set up for automatic payments and enough funds were in my account to cover any payments needing to be made. Their system and procedures obviously have errors which need correcting and they should consider fixing them so that they are not giving out inaccurate information and then holding the consumer responsible for the banks mistakes. I work overseas and rely on accurate and helpful documentation being provided, they did not provide any documentation by mail that would have assisted me in resolving any issues, but they did provide documentation that I have a {$0.00} balance.
Consumer complaint received 2020-09-04
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. (MS)

XXXX and TransUnion are fraudulent on my account XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX IN is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (MI)

I received two letters stating that my minimum payment of {$0.00} had not been received. They reported me to the credit bureau twice, on the same day, for being 30 days past due, for two different months. I called them to find out why they sent me a letter that said I owed them {$0.00} but they were reporting me. My statements show a previous balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment account but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer glitch and it would get worked out. My account was set up for automatic payments and enough funds were in my account to cover any payments needing to be made. Their system and procedures obviously have errors which need correcting and they should consider fixing them so that they are not giving out inaccurate information and then holding the consumer responsible for the banks mistakes. I work overseas and rely on accurate and helpful documentation being provided, they did not provide any documentation by mail that would have assisted me in resolving any issues, but they did provide documentation that I have a {$0.00} balance.
Consumer complaint received 2020-09-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Garcadia Financial LLC (UT)

On XX/XX/2020 I refinanced my vehicle loan with Foursight Capital based in XXXX XXXX XXXX, Utah through my credit union. The credit union processed the refinance in the amount of {$20000.00} which was the payoff amount that was valid through the XXXX of XXXX as per Foursight Capital 's website. I called Foursight on XX/XX/2020 to inquire why they had not yet applied the check to my account. The customer service representative said that they received the check on XX/XX/2020 but would not process the check because there was a discrepancy due to the seven days interest between the date of the payoff amount and the day the check was received. It has now been an additional four days. They did not let anyone at my bank or myself know that they had received the check and are now demanding I pay the additional four days of interest, even though the check was received on the XXXX. I am prepared to pay the seven-day difference, due to the check not being received until the XXXX, but feel it is completely unfair to be held responsible for any amount after the XXXX since they received the check and have not and refuse to credit my account so I can pay the difference. I have been logging in every day to see if the payment had been applied so I could finish paying it off, but they refuse to credit my account for the amount of the check the received from my credit union, thus charging an additional four days of interest when they have had the check in their possession without crediting it to my account or letting anyone at the credit union know or let me know they've received it.
Consumer complaint received 2020-09-21
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. (VA)

XXXX XXXX XXXX  of Maryland will not respond to any phone calls or emails regarding incorrect information they have filed with credit bureaus. They have filed a collection that has nothing to do with me. I do not own a construction company in MD. Someone else has used publicly available info on my business and now it is resulting negative info in my personal credit profile