davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (CT)

My issue is regarding synchrony bank. I had an account go into charge off status due to the XXXX of my grandparents causing me to fall behind on payments. I spoke to a nice woman about 2 months ago who told me since my account was paid in full, that it could be deleted. I received my letter from the company stating that my account is paid in full. But have not yet received my deletion letter as promised. After numerous phone calls and attempts to get my letter, they told me " there is nothing more they can do for me and I have to figure it out ''. As soon as I found out my account went into charge off status i immediately paid the balance and i feel extremely disappointed that this company is just making me go in circles without giving me my letter that I was promised. And giving me false information that my account would be deleted if they didn't plan on doing that.
Consumer complaint received 2021-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (UT)

We have a 15-year loan with Mr. Cooper and we are in the processing of paying off the home early. We have an auto-payment set to come out every month on the XXXX in the amount of {$2400.00}. 

Earlier this year ( 2021 ), we had an issue with Mr. Cooper applying " additional payments '' to our account instead of " principle only '' ( which was our intention ). The representative fixed the errors in our account and then recommended that we make our monthly payment ( auto withdrawal ) and then select " principle only '' whenever we make another payment that is for principle only. We had already been doing that and it was Mr. Cooper 's error for applying the payment incorrectly. 

There is a VERY SPECIFIC area on the app in which a consumer can select " make a one-time payment '' and then you can choose " principle-only Payment ''. However, Mr. Cooper continues to apply our principle-only payments as a regular monthly payment, then advancing the month the mortgage is due by one month ( this is not acceptable, we will pay off the loan early regardless ). My husband had to call them again in XX/XX/2021 to fix the same issue. The representative indicated it would be fixed. 

We made another payment today ( XX/XX/2021 ), principle-only in the amount of {$21000.00} and AGAIN Mr. Cooper paid XXXX to principle and withheld another " monthly '' payment one-month early. Mr. Cooper has still not corrected the " extra payment '' issue in XX/XX/2021. 

As consumers, my husband and I can not help but believe this is Mr. Cooper 's method for gaining advance interest payments and more interest than they should be collecting for a mortgage that will be paid early. Every time we try to reach Mr. Cooper, the recording indicates we will be called right back, in cue, the order of calls received. Instead, it takes them days to get back to us. 

If Mr. Cooper makes this a general practice across mortgages, essentially, they are collecting more and more money from consumers than they should be. Just with our last two principle-only payments ( Mr. Cooper applied incorrectly ), they collected another {$270.00} in XXXX interest and {$300.00} in XXXX interest ( EXTRA ). 

Regardless of our efforts to have this corrected, Mr. Cooper continues to allocate our payments incorrectly. We should not have to call them constantly to correct the issue when we are following the procedure exactly as we were instructed to do. 

Look at the hot mess they have made in our accounting ( attached ) as well as screen shots of the Mr. Cooper app where we make out payments.
Consumer complaint received 2018-02-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have been trying to contact XXXX XXXX, XXXX. for several months about repayment of my debt held by them ; I first attempted to contact them on XX/XX/XXXX, and I got a voicemail which said my call would be returned based on the message I was asked to leave ; my call was never returned. I attempted to call again on XX/XX/XXXX, but was met with the same results. On XX/XX/XXXX, I called a third time, again got a voicemail and left a message ; this time, someone returned my call, but I was not able to speak with them at length at that time. We set a time for them to call again the next day, but the call never came. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that XXXX XXXX, XXXX. had sold my debt to them, indicating it was because their attempts to collect on the debt were unsuccessful ; this is false, as I called three times over several months and either no one was willing to speak to me or my calls were not returned as promised.
Consumer complaint received 2021-05-23
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Crossroads Systems Inc. (OH)

In XX/XX/2021, I applied for a much needed XXXX loan and was approved by a company called XXXX. I signed the documents on XXXX and was funded by Capital Plus Financial. The money was sent to my bank by XXXX on XXXX but was rejected due to the exceeded amount. It was returned yo XXXX same day. I have been reaching out to them for almost a month now including submitting tickets but they have not responded so far. I have went to their website but they dont have a phone number listed. They have in their site that when a situation like so occurs, they will follow up to update the information but I have not received one response from them. I have reported it to the XXXX XXXX XXXX. Please help me recover the money.
Consumer complaint received 2019-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

In XXXX of 2017 someone in XXXX, fl opened a XXXX XXXX credit card using my ss #. They used to {$400.00} and never paid. The account was the bought by Midland funding who now says I owe {$830.00}. I do not nor have I ever lived in XXXX, fl. Both companies have the address, email and ip address of the person who did this. I have disputed both accounts to no avail. I have now filed a police report but for some reason can't attach. There own paperwork says that the card, pin # and statement were mailed to an address in XXXX, fl
Consumer complaint received 2022-04-29
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2023-04-01
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: Experian Information Solutions Inc. (KY)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/2022 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 2023-04-01
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. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$220.00}
Consumer complaint received 2021-11-05
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. (OH)

I HAVE SOME ISSUES thatI foundon my credit report. I found a fraudulent account balance from XXXX XXXX XXXXXXXX .I know this account is not accurate I am disputing it I never had any business with any timeshares. I seen that the date listed for the above account was XXXX and it is XXXX that is past the statute of limitations. I request full documentation and the Date of last action on the above account.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (NY)

Hi! Barclays is offering a credit card through JetBlue. The promotion appears while attempting to book a ticket on the website. The offer is for points and a credit towards the flight if approved.

However, the credit is not towards the flight. It is for a theoretical purchase using the Barclays card within 90 days of receiving a mailed credit card, after the fact. There is no credit towards the flight one is trying to book in that moment.

I wish I had taken a screenshot of the offer, but I didnt. It very clearly indicates using the price of the ticket one is trying to book that if you get a new JetBlue Barclays card you get to apply a credit and get points.

I contacted JetBlue and they acted like nothing was wrong and I was missing the point.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was directly impacted by COVID-19 and lost my job at the XXXX XXXX XXXX on XX/XX/XXXX. I applied for Unemployment in the state of Arizona, which I was legally entitled to after being a citizen of Arizona for 13 years. I did not receive a single penny of unemployment until late XX/XX/XXXX, I was financially DESTROYED by lack of proper handling of my legal unemployment claim. I had to borrow money from my retired parents to keep my car from getting repossessed, was forced to sell my house and then had to move across the country to find a new job and try to get back on my feet. I have disputed the payments I could not make due to the global COVID-19 pandemic and the state of Arizona 's massive failure to provide me unemployment in a timely manner. I should not have to suffer financially due to a global crisis and inept state officials. I would like my credit history and report to be adjusted for circumstances outside of my control. Since I am now employed and did finally receive my unemployment I have paid everything I owed and am back on track. I would like my Transunion report to reflect an adjustment of my circumstances. I have disputed and requested disputes be reviewed by Transunion, which has not happened. XXXX had made adjustments, Transunion has not.
Consumer complaint received 2021-05-04
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. (TX)

XXXX XXXX - acct # XXXX ( no longer active ) was migrated to the XXXX XXXX - acct # XXXX XXXX active ) a few years ago. 

Transunion keeps reporting both accounts as active. Only one ( 1 ) account is active - XXXX XXXX. XXXX XXXX is NOT ACTIVE. 

I've reached out to XXXX XXXX & Transunion for over a year now to correct this inaccuracy without success. 

On XXXX XXXX Transunion removed the XXXX XXXX account per my credit dispute. 

On XXXX XXXX Transunion add this same ( inactive account ) to my credit report. 

I'm requesting the FCRA to get involve to help me correct this inaccurate information. 

Respectfully submitted.
Consumer complaint received 2020-06-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX has not responded to me regardingmy request to validate the account in the amount of {$1100.00} on my credit report beginning in XX/XX/2020. This company has failed to provide the documents required by law to validate the alleged debt in question. They have not responded at all. 
XXXX and Transunion has continued to report this invalidated information which is a direct violation of the FCRA.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The following is copied from the email I sent to XXXX : I recently received notice from my consumer reporting agency that my credit score dropped thirty points. When I logged in to see what happened it shows that the decrease was due to reporting from XXXX. I need XXXX to correct this mistake. I have my payments automatically deducted from my checking account so I'm not sure what XXXX is reporting. I recently called and the woman I spoke with said my payment was late. I asked her how my payment could be late when my payments were automatically deducted and I have not missed a payment. She said she would change my due date to which I expressed my concern. I told her that every time XXXX messed with my account something would get screwed up and here we are. I want this error corrected immediately. I am sending a copy of this correspondence to the Consumer Protection Bureau to file yet another complaint against XXXX! I want this resolved immediately and as well as a prompt reply letting me know this error is being corrected.
Consumer complaint received 2021-09-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc. (TX)

I had opened an account with Prosper Marketplace back in XX/XX/2019. The following year COVID it and I started to see a cut in my hours at work. I contacted Prosper to ask if they could offer any type of help and they indicated that since I reached out to them before the payments were late that they would help me. They assured me that my account would not show delinquent during that time. You can imagine how upset I was when I saw my scores drop due to them reporting me late. They took advantage of a pandemic and not only lied about how it would impact my credit but then to charge late fees and show late payments. This is predatory lending with what they did. They tricked me into thinking they would help and then turned around and put me in a position that hurt me and put me in a higher rate bracket. Had they told me they couldn't help be at the time I spoke with them I would have tried to borrower the money or borrowed against my 401K. I was lied to and this is not right.
Consumer complaint received 2018-02-05
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: CITIBANK, N.A. (CA)

XX/XX/XXXX XX/XX/XXXX my card was marked as potential fraud and I could not use it. I called citibank. They noted it and they sent me a new card. I informed them I needed to review the charges and see what was fraud or not. 


Sometime within a week of above - I called citibank and gave them the items that were marked as fraud XX/XX/XXXX- XXXX - XXXX XX/XX/XXXX - XXXX - XXXX XX/XX/XXXX-XXXX - XXXX I was informed they would be removed and I would be contacted if they needed anything. 


XX/XX/XXXX I checked my statment on XX/XX/XXXX and nothing was removed. 


I called and spent over 30 minutes on the phone with the fraud department. 


I spoke with XXXX ( initial rep ) and XXXX, the manager. 


XXXX said I should see a credit within 3-5 days and they would call if they needed further info. 


I am sending this email as further documentation so I have some proof of the call and investigation that I have started again. 


XX/XX/XXXX I checked my account again and no credit. 
I called and spoke with the customer service department. 
They said they didn't show open disputes. 
They said they would reopen and request credits. 
I said this was unacceptable and that this should already have been credited. 
I am happy to assist with the fraud process, but I should already have a credit. 
I asked to speak to a manager. They stated that department was closed right now ( it was XXXX PST ) They apolgized ad said I would receive a call in 24-48 hours. 
I stated, I am going to file a complaint.
Consumer complaint received 2023-01-19
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. (GA)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-04-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (NY)

Please refer to CASE # XXXX which was closed by CHASE without any resolution to clear my credit ratings with four major companies. 

My goal for case # XXXX was to make a negotiated payment amount, given the one and a half years invested to find the " loan '' account. I wanted to know how to negotiate to pay off the amount, as well as, an explanation as to why my checking overdraft was listed as a mortgage loan. I do not own property. No resolution and my case was closed. 

What transpired : I was resent a letter from XX/XX/2017. The reissue and XXXX of letter was not necessary, given I had already invested 6 hours in calling the CHASE phone numbers listed on the letter in XX/XX/2017 at which time the contacts ( again ) could not find my account so that I could begin to pay. My financial counselor recommended I file complaint after she, her supervisor and myself spent over a year connecting with a CHASE representatives. 

The last few months have been spent leaving phone messages at XXXX XXXX for : ext XXXX & ext XXXX. I have repeatedly asked for a time I could call them. 

The amount owed is {$1600.00} less fees. 

Chase has not helped me find the " mortgage account '' to pay off or negotiate the amount to clear my credit score. 

Rough itemization of my time invested to make good on my misfiled, lost debt is approximately 50 -  60 hours at $ XXXX/hr {$3700.00} - {$4500.00}. I have a log of my time invested. I would like my {$1600.00} debt cleared off all four of the credit bureaus. I have tried to do the right thing and pay my {$1600.00} debt, however none of the employees I have spoken with can find the account or let me know with whom I can negotiate a revised amount or resolve in another way. 

I am most disappointed by the ineptitude of SALARIED employees, their inability to help me finalize my debt and clear my credit for a new future. My initial debt came from numerous stressful situations surrounding my own health, caring for my mentally ill mother and her untimely death. ( see first complaint letter case # XXXX ). 

My only recourse is to photocopy a year and a half worth of Chase form letters, " documentation '' received and my journal of phone logs to XXXX a package to XXXX XXXX, CEO of JP Morgan Chase for his the executive assistant to " escalate ''. My experience with CHASE will make an excellent case study of the aftermath of mortgage crises, an individual consumer experience. 

Thank you for your consideration. 
XXXX XXXX
Consumer complaint received 2018-02-05
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. (CA)

On about XXXX of 2017 my credit card by XXXX XXXX Credit Card Services, issued by XXXX XXXX, XXXX. was used by fraud. The matter of the fraud was eventually investigated by the credit card issuer and credits were given for the use, the finance charges reversed, the late fees reversed but the credit issuer reported on my credit bureau a late payment during the confusing times and during. This is now affecting my cost for insurance and ability to finance my house and to get lower credit offers.
Consumer complaint received 2021-11-06
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (GA)

I, natural person and consumer of the United State of America Pursuant to 15 USC 1681b, Exeter Finance LLC received my consumer report but has no written instructions from the consumer ( me ) to whom it relates. This constitutes a violation of Title 15, Chapter 41.

Exeter Finance LLC also violated 15 USC 1681d and 1611 as they caused to be procured an investigative consumer report and did not accurately disclose to the consumer ( me ) that such report would be made. This too constitutes a violation of the Title 15, Chapter 41.

Exeter Finance continues to report that they made a fraudulent and unlawful inquiry on my consumer report after I made them aware via CFPB complaint XXXX that they had not received my consent to do so. Exeter Finance LLC is in violation of 15 USC 1611, by continuing to report false and inaccurate information to consumer reporting agencies, therefore ruining my reputation as a consumer and defaming my character.

Pursuant to 15 USC 1691e, I am owed a remedied as a result of this unlawful and fraudulent procurement regarding my consumer report.