davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

XXXX-Notary came to my house to sign closing documents. The signed Note was filed with the county recorder ( as per county recorder website ). 

XXXX A new Notary came to my house to sign closing documents a second time. I was told my original closing documents were lost in the mail. 

XXXX A new Notary came to my house to sign closing documents a third time. I was told my last name needed to be updated on the documents. A total of three different Promissory Notes were signed by me. 

XXXX I sent a verification of claim in the form of a Request for Inspection of my Original Wet Ink Signature Promissory Note. A copy would not be acceptable. 

XXXX Mr. Cooper sent a letter stating they were " unable to provide the original wet ink signature promissory Note as it could get damaged in transit. '' They enclosed a copy of the promissory Note. 

XXXX Their inability to allow me to inspect the Original Wet Ink Signature Promissory Note gave me reason to believe there is SUSPICIOUS ACTIVITY. I sent a second letter requesting documentation and proof of claim. I requested the following : -Proof of the existence of the account or contract in my actual flesh and blood name duly signed and witnessed by BOTH parties. 
-Proof of claim that this company is the current holder of due course of the Original Debt Instrument by allowing me to inspect my Original Wet Ink Signature Promissory Note. 
-Copy of the actual account whereby bank assay has occurred showing actual loss incurred of the alleged debt via an affidavit that this company is a creditor of the note in accordance to Generally Accepted Accounting Principles ( GAAP ). 

XXXX Mr. Cooper sent a letter stating my correspondence has no legal validity and is not a valid request. They stated Mr. Cooper was the holder of the Note and Mortgage and had the authority to enforce all rights under these documents. Additionally they THREATENED to report the invalid documents received to the appropriate authorities. 

I have remained in honor by keeping my account current throughout this entire process.
Consumer complaint received 2018-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (AL)

I have been paying my Federal student loan to XXXX since XX/XX/2016. Recently, the changed names to XXXX. When I try to log into XXXX, the website says it is unavailable. When I try to call customer service or send an electronic message, it requires my social security number which the automatic system says is not in their system. The phones will not let me through to someone until I put in a social security number that it recognizes. I have no idea what to do next.
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MN)

On my last and final XXXX 's bill, XXXX 's charged me a late fee and interest in the amount of {$34.00} for allegedly failing to pay my bill by the XX/XX/2018 payment due date. These are fraudulent charges by XXXX 's because the full payment ( {$390.00} ) was sent in a timely manner via U.S. Mail from XXXX MN, however, the payment was not processed by XXXX until after the payment due date. I requested that the error be corrected on a XX/XX/2018 phone call to XXXX 's, but XXXX 's declined to correct their mistake. The delayed payment processing times and poor customer service are a result of XXXX 's bankruptcy and liquidation. 

This bill was absolutely paid in full and on time.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have disputed these accounts multiple times. Ive filed a police report and filed complaints with the FTC. Experian has been extremely negligent in investigating this issue thoroughly. Experian has admitted that they receive all furnishings from XXXX. XXXX has investigated and and have found the inaccuracies placed on my report and have swiftly acted in removing the inaccuracies. Experian should do the same
Consumer complaint received 2018-06-18
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)

.. The inaccurate and unverified item listed below remain on my credit report in violation of Federal Law. This account was settled with original creditor.There is no contract with collection agency, no valid verifiable claim. 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? Who verified this account? 

Transunion has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Account : XXXX {$2300.00}
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MI)

From XX/XX/2022 - XX/XX/2022 DISCOVER has been in violation of federal laws by adding late payments on an unexplained adverse action of the account. DISCOVER closed the account and then begin reporting late payments which is a violation OF FCRA. ALL balances and late payments that has been reported are inaccurate information. Also, they have recently stated that the account is 120 days late but is also reporting the account as 150 days late which is also incomplete and inaccurate information. I have sent several notices to DISCOVER regarding the inaccuracies of the account, but they have yet to resolve the issue and continues to report damaging information on my credit report causing me to be unable to obtain credit.
Consumer complaint received 2018-06-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

I have tried on numerous occasions to get Navient to consolidate my loans into a extended graduated repayment plan. I have completed all the forms and submitted twice with no luck. I have been unemployed and on forbearance for a long time. I just started working again with a lot of debt and a new dependent to my family. I want to do the right thing, but I need to have all loans consolidated as I owe XXXX and on am extended graduated plan. I reached out to FASA and the system referred me back to the loan service provider Navient.
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: JPMORGAN CHASE & CO. (IL)

Contacted Chase Visa customer service on XX/XX/XXXX at XXXX, The Chase credit card was declined without user authorization two days prior. This attempt to use the card 48 hours earlier was a fraudulent and unauthorized attempt to shop with XXXX. 

Unfortunately, XXXX the vendor to which the attempted Friday, XX/XX/XXXX : purchase failed, has not been contacted to date. That said, the basis for this additional complaint against Chase Visa and its customer service is the following. Chase, continues to request for identifiers, that are nonstandard and have provided the follow-thru on Chase-to-consumer callbacks as agreed upon during the customer service call. 

On Sunday, XX/XX/XXXX Chase declined to remove the unannounced fraud alert laced on the charge account. The female representative voice was recognizable its difficult say the she participated in the previous call to Chase. Question like do you know XXXX XXXX, former employers and addresses were again alarming.
Consumer complaint received 2018-06-18
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC (CA)

I have a loan with BMW FINANCIAL SERVIC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and BMW FINANCIAL SERVIC with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX someone went online and changed my address without my consent through the USPS online system. I was made aware of this change, via ( through ) a credit monitoring service I have with another Credit reporting Agency. ( Bureau ) on XXXX XXXX, XXXX. On XX/XX/XXXXXXXX, I called into XXXX   after setting up an account with them, and noticed many changes, in accurate information, as well as old information still being reported, on the Credit Report from XXXX. 
I called into XXXX many times in reference to disputes that I had placed with XXXX, in reference to the incorrect information.. On one of my many efforts to reach a person who could assist, I was told that my disputes were being worked on. The next few times, I was told that XXXX  couldn't Identify who I was, the next few times, I was told they couldn't verify if the information I was asking to be corrected was in fact correct and would't place a block as I suggested until this was resolved. In XXXX, I was told to mail in or try to upload supporting documentation or documents pertaining to the information that needed to be updated and or corrected. I submitted a USPS change of address form, copies of identifying documents and court orders of my legal name and their own form to state what I was disputing in the Credit reporting. I did receive some correspondence back from XXXX at my updated physical address in XXXX of XXXX. which was after submitting the documentation. however, The disputes of my name, address and some of the reported Creditors, balances, had finally been looked into. However, not all that i disputed, concerning my name and correct and or updated address were resolved, nor were the items reported from the Creditors and some still seem to continue to soft pull my account on a monthly basis. My name was also incorrect on the retail side of XXXX in the areas that works to prevent identity theft, where one purchases a plan from XXXX. I have also explained that someone continues to tamper with the delivery of my mail and that same person also has changed my address back to more than one of my older addresses many times within the last year. 
I have been hung up on a few times with representatives at XXXX in the past also in the middle of a phone call. I have had to call them back many times. 
Since XXXX XXXX  and until my phone call with XXXX today, XXXX XXXX my efforts seemed to have proved little to resolve the issues. As of today, XX/XX/XXXX  my name, correct address and other information have been re introduced to an area of where the errors were first However, here now seems to an ongoing issue and Im asking for assistance to have this incorrect reporting stopped.
Consumer complaint received 2018-06-19
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

I have been receiving numerous calls from the company daily. They call from various numbers which I have asked them to stop calling. The calls are daily. I spoke to a female and she told me the calls wont stop, going as far to say I wil have some legal Issues if it isnt paid.
Consumer complaint received 2018-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (PA)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern On XX/XX/2018 I obtained a copy of my credit report. While reviewing my credit report. I discovered many accounts that I never applied for. Doing the time that these accounts were open I was incarcerated. Since I found these accounts on my credit report. I have placed and fraud alert on my credit report and also file a report with all three credit bureau. Upon my verification, please remove all accounts that have been placed under my name and social security number off of my account. 

Enclosed is a copy of my ID for proof. 

Please find attached copies of the time that was in incarcerated. 

Per section 605B of the federal trade commission all unauthorized and fraud accounts are to be removed with in 4 business days of receiving the report. 



Thanks XXXX XXXX
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: DISCOVER BANK (OR)

XXXX XXXX XXXX  2 Accounts keep recording incorrect information on my account as well as XXXX. These accounts are listed by the FTA local authorities and every other credit reporting agency available including credit account freezes etc. I have sent certified mail etc included all identifying information asked and they continue to report identity theft fraudulent information on my accounts, these accounts are not mine. Fraud! I have certain rights by law!! 
Discover Bank fraudulent account XXXX XXXX XXXX  Fraudulent account XXXX XXXX XXXX  fraudulent account XXXX XXXX fraudulent reporting XXXX XXXX tires and credit accounts Fraudulent not correctly reporting, I have receipts of accounts paid in full, My bank XXXX XXXX XXXX. XXXX fraudulent spending of deposited checks fraudulent. I have contacted local and fta and froze every other credit reporting. I have a truck and student loans that is it this needs to stop Im a victim, please help
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (ID)

On XX/XX/XXXX I was told my a potential lender that my credit report was frozen and could not be accessed. I had them re-submit the request with the same result. I immediately called and spoke with numerous people at all three of the credit reporting bureaus. I was transferred, and given other numbers to call, all people saying there was no problem with my account. The next day, the lender tried again, no luck accessing my report. I again called all three agencies, speaking to multiple people and found that there was a freeze on my account from last XX/XX/XXXX. I asked that it be removed. Next day the lender again had no luck with the credit report. I again called all three bureaus and Equifax finally told me that there was a block on my account and the only way I could remove it was to purchase a " freeze '' for XXXX dollars. I did this and they walked me through the web page to then remove the purchased " freeze ''. My logon screen showed there were no locks and no freezes on my account. On the following Monday my lender once again tried accessing my credit report with no luck. This was about mid day. I called Equifax once again and they again reassured me that there was no freeze and that the request should have taken place immediately ( last Friday ). I then pulled my own credit report on XX/XX/XXXX and noticed that Equifax had my status changed to " File Blocked For Promotional Purposes ''. I called them on XX/XX/XXXX and spoke to several people inquiring about the " promotional block '' and was told this was another additional feature that transpired with the initial lock/freeze back in XX/XX/XXXX but this was never mentioned to me in any previous conversations. I asked for the " promotional block '' to be removed immediately and was informed that it would take 30 days. I asked them to begin the process and noted on my calendar the followup date. I will followup with them but am very unhappy with the run around I have received. I will be back in touch with you if in 30 days they have not removed access to my credit file,
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OZK (GA)

Today ( XX/XX/XXXX ) I visited the local branch of Bank OZK to have {$51000.00} of funds that had been received by wire transfer on XX/XX/XXXX at which time I was NOT notified of any hold. I entered the branch to have those funds transferred into the account of an XXXX in which I am purchasing ownership. Initially, I wrote the name of the company slightly wrong, and the transaction did not process. I returned to attempt again an met with XXXX XXXX XXXX at the branch. She was very evasive and obviously did not want to help me, constantly rolling her eyes at me and not answering my questions. Through repeated attempts, I was told that the Fraud Department put a hold on the funds, not because they were unavailable at the bank, but because I wrote the XXXX name down wrong. The XXXX XXXX told me no one in Fraud would talk to me and that no one in Branch management was available to speak with me. When I asked for the Reg CC Funds Availability Notice to determine WHY my funds were held and WHEN they would be available, she quipped that the bank would mail that to me. As I was there and someone already knew the reason for the hold, I insisted on being updated. She continually refused to provide any information as to the reason, the length of time of the hold, or the process to investigate the transfer in of the funds. As an elderly man of XXXX  years, I can't help but believe a bank that has cleared funds in my account refusing me access is elder financial abuse. Refusing to provide any information and expecting me to accept the bank has such authority is a blatant effort to bully me into submission because of my age
Consumer complaint received 2019-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kohn Law Firm S.C. (WI)

Several family members received a very vague letter asking for my personal information like : Name, address, phone number, and place of employment. The letter does not say anything about debt or anything. I have no idea who this is or what they want. It doesn't seem like a legitimate letter. It gave a file number:XXXX. And a name and address that said attorney at law. I called the number and was put on with a man who refused to tell me if he is an attorney, where I am calling or anything about this. He just put me on speaker phone and I heard him and it sounded like a couple of women or children laughing and making fun of me asking questions. I could hear them clearly. They said the call was recorded. I called on XX/XX/19 at XXXX pm CST. He just kept insisting that I give him my SS # and address. I would never give that to someone who I have no idea who is on the other end. They kept laughing and making fun of me talking and asking questions so I hung up. The number is XXXX. The name at the top of the page is XXXX XXXX. I googled it and it came up Kohn Law Firm S.C . I do not know why or for what reason these vague letters were sent out to my family members but It seems very much like fraud or something illegal.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a written letter to the three major credit bureaus to update the correct spelling of my name, my current address and employer my social security number and date of birth while requesting the removal of previous incorrect information. I mailed that letter on XX/XX/2024. 
XXXX, Transunion and XXXX denied my written request in a letter response to me sent via mail to my current address. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST MIDWEST BANCORP, INC. (IL)

A checking account that was supposed to be closed, was not closed. As a result, I was charged fees for account maintenance. The monthly fee took the account into an overdraft status. The account was charged off. 

When I later went to open an account with the same bank, I was advised that I had a delinquent account. The management reversed fees. I agreed to pay half. They agreed to remove the reporting from XXXX consumer report. It also should be noted that the account was reported XXXX on my XXXX as well. So not only should the account not have been reported at all, but it should not have been reported twice.