davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (WI)

Mr Cooper mortgage reported a 30 days late for XX/XX/2020 when it wasn't 30 days late. I contacted Customer Service and spoke with XXXX XXXX and he agreed it was not 30 days late and said he would file an investigation. This falls under the CARES Act of XX/XX/2020 as it relates to Covid19 and not report late payments on top of it not being 30 days late.
Consumer complaint received 2020-07-15
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. (NY)

On XX/XX/2020 a fax was sent to XXXX XXXX. I received no response so I sent another XX/XX/2020 they finally responded 2 days ago. Furthermore, I sent a dispute to investigate the legitimacy of the account to experian on XX/XX/2020 and did not respond until XX/XX/2020. Due to the untimely response exceeding the 30 days allotted time on both parties by law experian is obligated to delete the account of face legal action. In addition, under New York State law regarding repossession, I did not receive correspondence regarding the sale of the alleged repossession. Please prove that I received such documentation, ex. Certified mail signature. If you can not verify such the account must be delegated.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX Original creditor : XXXX {$330.00} I recently reviewed my credit report and noticed a fraudulent medical bill on my account. I filed an ftc report, police report and sent this information to the original creditor and credit bureaus. Nothing was done. I also notice unauthorized inquiries on my report from sm bus admin.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (OH)

I had a secure credit card account with First Progress. I closed my account and requested that I get my security deposit back back in XX/XX/XXXX. They claim that they sent a check that I never received in XXXX and I can't get them to move on and get me my money back. they keep requesting that I send faxes and I've done that on several occasions as well as call in these most recent days it's been I sent one on XX/XX/XXXX and XX/XX/XXXX. The last paper shows a fax report that I had sent with my XX/XX/XXXX fax to show my previous attempts.
Consumer complaint received 2018-02-21
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: EQUIFAX, INC. (FL)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2023-02-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

Specialized Loan Servicing services this loan that I have and I wrote them a letter asking who owns the loan and they sent back a response that said they will not tell me. I wasn't told the truth on this loan and I want to know who owns it.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/20 I applied for a XXXX co-branded VISA with XXXX XXXX. I was approved, but on XX/XX/20 I received a notice from XXXX XXXX advising me that they did not assign the best interest rate they offer. This notice included information as to why this was the case. 

Included in this notice were key factors adversely affecting my score : 1.  Highest ratio of bank revolving balance to credit limit was too high 2. Too few revolving accounts 3. Insufficient mortgage information 4. Too few accounts currently paid as agreed I reviewed my Transunion report on XX/XX/20 and none of these items appear, with the exception of item # 3, which seems to have dropped off ( my mortgage with XXXX XXXX  is suddenly missing from my TransUnion report, possibly due to a transfer of that loan from XXXX  to XXXX ). 

My credit usage is less than 20 % of available credit lines. 
I have 5 or more revolving credit lines. 
All are current, and have been current for 6 or 7 years, at least. 
No accounts are not " paid as agreed. '' I contacted XXXX XXXX   and was advised to contract TransUnion. I contacted TransUnion, and they provided a copy of my credit report which does not match up with any of the reasons stated by XXXX XXXX  as to why my score was low per their review. 

I need to see the reason why XXXX listed these reasons for my score. Their source, TransUnion, does not seem to provide any basis for this.
Consumer complaint received 2021-02-27
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: American Collections Enterprise, Inc. (MD)

I have been monitoring my credit report and their are inaccuaries on accoun not of my doing, and have not been authorized anyone to do so. As an THE ORIGINAL CREDITOR, the law states unverfied accounts and inquieries must be removed immediately. These accounts are not authoried by me and I do not owe these alleged debts. 

XXXX  shows the following misinformation : american Collections Ent. {$940.00} ( XXXX ) american Collections Ent. {$120.00} ( XXXX ) american Collections Ent. {$100.00} ( XXXX ) american Collections Ent. {$100.00} ( XXXX XXXX XXXX XXXX  {$120.00} ( XXXX ) XXXX. XXXX XXXX. {$120.00} ( XXXX ) XXXX the following : american Collections Ent. {$940.00} ( XXXX ) american Collections Ent. {$30.00} ( XXXX ) XXXX XXXX XXXX {$970.00} ( XXXX ) american Collections Ent. {$28.00} ( XXXX ) american Collections Ent. {$100.00} ( XXXX ) american Collections Ent. {$100.00} ( XXXX ) american Collections Ent. {$120.00} ( XXXX )
Consumer complaint received 2018-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

I was expecting my Direct deposit today Friday XX/XX/XXXXbut it was not in my account at Simple Bank ( BBVA compass ) i verified with my employer that they sent it and it was to the correct account number. I called Simple customer service and they could not give me a turn around time of when it will be resolved. When i asked for a manager i was told that the manager cant help me either but went on to pur me on hold for 45 mins. I read online that this happens a lot with Simple. Pls help. The amount of my deposit missing is {$300.00}
Consumer complaint received 2020-06-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (MA)

I was working with a loan consultant at a different firm then where my mortgage is currently, which is Mr. Cooper, we've been asking them for three months to send a verification of mortgage for the last 5 years as I was looking to move from FHA to conventional. They repeatedly would only send a 12 month VOM. When I called to address with them they told me that they would only do the 12 month and to pull my payment history instead. On top of that, during a pandemic where a lot of homeowners are looking for forbearance, I tried to pay off any outstanding fees along with my monthly payment and they marked me late for the months of XX/XX/2020 and XX/XX/2020, now making it impossible for me to refinance when I wasn't even late. Their statements show one date they reported another but funds drawn from my account are dated where it kept me current. They also offered me a streamline refinance with them, started all the paper work sent it all to me to sign when I never asked and I do not understand how they could if they are showing me late, 60-90 in previous year
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I am the parent/co-signer on my son 's student loan that is serviced by XXXX XXXX/XXXX XXXX XXXX. I send in monthly payments by automatic debit from my business account with XXXX XXXX. I sent check # XXXX for the sum of {$220.00} on XX/XX/XXXX ; and check # XXXX for the sum of {$220.00} on XX/XX/XXXX. XXXX XXXX XXXX lost both checks. I contacted them via email on XX/XX/XXXX and forwarded copies of my bank statements showing the cashed checks. XXXX XXXX XXXX  reported delinquency notices on my credit report causing my score to lower approximately 70 points. On XX/XX/XXXX, I spoke with Supervisor, XXXX ( Employee XXXX ). I informed him that XXXX sent me the cancelled checks cashed by XXXX and asked to settle the account. XXXX informed me that XXXX XXXX has no process to settle accounts. I want to be able to settle the account due to the unfair damage XXXX XXXX XXXX caused me on my credit report.
Consumer complaint received 2020-06-29
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. (NJ)

I am the parent/co-signer on my son 's student loan that is serviced by XXXX XXXX/XXXXXXXX  XXXX XXXX. I send in monthly payments by automatic debit from my business account with XXXX XXXX. I sent check # XXXX for the sum of {$220.00} on XX/XX/XXXX ; and check # XXXX for the sum of {$220.00} on XX/XX/XXXX. XXXX XXXX XXXX lost both checks. I contacted them via email on XX/XX/XXXX and forwarded copies of my bank statements showing the cashed checks. XXXX XXXX XXXX  reported delinquency notices on my credit report causing my score to lower approximately 70 points. On XX/XX/XXXX, I spoke with Supervisor, XXXX ( Employee XXXX ). I informed him that XXXX sent me the cancelled checks cashed by XXXX and asked to settle the account. XXXX informed me that XXXX XXXX has no process to settle accounts. I want to be able to settle the account due to the unfair damage XXXX XXXX XXXX caused me on my credit report.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

The company provided on here only a bill after a full validation was requested. I submitted a letter back to them indicating that they did not provide all the requested validation information 's as required. I still have not received the proper validation and rather only a bill that was attached to a complaint on here. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.

All of this information was requested by them and they failed to provide it.

They failed to obtain and send verification of the alleged debt by not mailing me the contact, instead of sending me a signed contact or agreement signed by all parties involved as requested, you mailed me a Final Bill and Account Ledger NOT a contact or agreement and are non-responsive to my validation request. Under the FDCPA, it is unfair and unconscionable to attempt to collect a debt in any amount that is not expressly authorized by agreement creating a debt permitted by law. 


They have failed to provide a valid basis for the calming I am required to pay the alleged amount owed. Additionally, you have failed to provide details about the age and amount of the debt ; a detailed explanation of any interest added and the legal authorization for this interest ; the date the original creditor claims it became delinquent. And whether this debt is within the statute of limitation and how that was determined. 

They failed to provide any details on your authority to collect this debt that was requested : whether you are licensed in my state and if so ; provide the date and license name on the license and license number along with the address and telephone number of the sate agency issuing the license number.
Consumer complaint received 2020-07-15
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. (GA)

On XXXX, 2020, I realized that my personal information has been misused by an identity theft crime. Exactly seven different credit accounts were made with my personal information. Six accounts are listed below. 
XXXX XXXX XXXX XXXX ( {$3700.00} ) XXXX  XXXX XXXX XXXX XXXX ( {$2500.00} ) XXXX XXXX XXXX XXXX ( {$8100.00} ) XXXX XXXX XXXX XXXX   XXXX ( {$14000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX  To resolve this problem, I have made and submitted an identity theft report from FTC to all three credit bureaus and made additional police report regarding the identity theft crime and submitted that report to all three credit bureaus as well. 

I also requested verification and validation of each accounts to the creditors and they did not provide me any detailed information regarding who might be responsible for these accounts. Because the credit bureaus and creditors did not find who might be responsible nor have significant proof that I am the one who made these accounts, all accounts that were involved with identity theft must be removed from my credit report. 

The remaining fraudulent accounts on my credit report are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MD)

I am writing to urgently seek your assistance regarding an unresolved issue with my Chase checking account. On XX/XX/XXXX, I received an alert from Chase informing me of the impending closure of my account. I promptly contacted Chase customer service to inquire about the reason for this closure and expressed my willingness to cooperate fully. However, the representative declined to provide any reasons and stated that the account would be closed automatically within ten days, with no possibility of reversing this decision. 

It has now been 13 days since the initial notification, and despite my repeated attempts to resolve this issue, I have been met with a lack of cooperation and have been caught in a frustrating loop between different departments. The Fraud Hotline Department has only advised me to wait indefinitely without offering any information on the refund process, investigation timeline, or assurances regarding the safety of my funds. 

As of the date of account closure, my checking account had a balance of approximately {$5000.00}. This amount represents all my living expenses as an international student in the United States. The absence of these funds has placed me in a precarious financial position : I am unable to afford basic necessities like food, and I am at risk of being evicted from my housing due to inability to pay rent and utility bills. 

Given these dire circumstances, I urgently request your intervention to ensure that my funds are returned within the next two weeks. According to the account opening terms, Chase has the right to investigate but this does not imply an indefinite, unexplained freeze on my funds. I am asking for a definitive deadline for the return of my money, or at the very least, an explanation and proof of the reasons behind the investigation. Continuing this unresolved situation subjects my finances to a state of insecurity and unpredictability, which is unacceptable. 

I appreciate your immediate attention to this matter and look forward to your assistance in resolving this distressing situation.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/20 I applied for a Verizon co-branded VISA with Synchrony Bank. I was approved, but on XX/XX/20 I received a notice from Synchrony Bank advising me that they did not assign the best interest rate they offer. This notice included information as to why this was the case. 

Included in this notice were key factors adversely affecting my score : 1. Highest ratio of bank revolving balance to credit limit was too high 2. Too few revolving accounts 3. Insufficient mortgage information 4. Too few accounts currently paid as agreed I reviewed my XXXX   report on XX/XX/20 and none of these items appear, with the exception of item # 3, which seems to have dropped off ( my mortgage with XXXX XXXX is suddenly missing from my XXXX report, possibly due to a transfer of that loan from XXXX to XXXX ). 

My credit usage is less than 20 % of available credit lines. 
I have 5 or more revolving credit lines. 
All are current, and have been current for 6 or 7 years, at least. 
No accounts are not " paid as agreed. '' I contacted Synchrony Bank and was advised to contract XXXX. I contacted XXXX, and they provided a copy of my credit report which does not match up with any of the reasons stated by Synchrony Bank as to why my score was low per their review. 

I need to see the reason why Synchrony listed these reasons for my score. Their source, XXXX, does not seem to provide any basis for this.
Consumer complaint received 2020-06-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA)

I have tried multiple times to resolve several issues with Aspire Servicing Center. But they have refused to make changes after multiple contacts and efforts. 

The company still has old references on file that I requested to have removed or updated several times. Some of these people are deceased or no longer would be available for contact references. I made two attempts to request these updates/removals by phone and two by writing, but have not heard back after three months. I need a new reference form to add new updates, plus a complete history of references listed/removed since my loan inception, how they were added or removed. 

The company also has several errors with contact information. I have always been active in contacting center online or by email, giving my updated information. But they have added several phone numbers that aren't mine. I need a complete history of contact information, and for company to only use the same phone number and email on file in record now. 

Calling for past due loans has been sporadic and highly bothersome. Calls are always conducted when at work. When I have answered and asked the representative if we could schedule a different call time, they have continued with call to the point I have had to hang up due to work. 

Process for deferment or forbearance is highly inconvenient in time of pandemic crisis. Several times my forms have been invalid because company still requires a written signature. No online option for requesting forbearance makes it difficult for many who don't have access to printer or fax.