davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

I lost my job due to the pandemic and entered forbearance with my Mortgage company Mr. Cooper ( backed by XXXX XXXX ) around XX/XX/2020. I'm concerned my mortgage company is creating loop holes to deny people on the 2 3-month forbearance extensions the White House Administration has instilled to protect people like me. 

I've been denied based on a technicality I feel they lured me into. In XXXX, I kept getting notifications from my mortgage company ( Mr. Cooper ) urging me to select a plan for when the forbearance ends. The only options presented were 1. Pay everything I owe in one lump sum ( can't ), 2. Sell the house or risk losing it, or 3. Request a modification. I chose the modification. 

Once the forbearance extension option was brought to my attention, I was told I can't apply for forbearance because I applied for modification. I cancelled the request for modification and applied for Forbearance. I'm being told the investor is saying no to my forbearance extension request because I'm pushing past delinquency of 12-months. 

*Important to note I applied for the modification BEFORE my forbearance expired. I recall actively reaching out to Mr. Cooper 2-weeks before my forbearance ended. The modification process was ongoing, I never received any approval notifications. Now that I've requested a forbearance extension, I'm told I'm being denied bc I'm " pushing past delinquency. '' Managers at Mr. Cooper are saying I'd be hitting a 15 month limit, meanwhile it is a maximum of 18-months allowed, and I'm only at month 12 or 13. 

Can the investors just reject or decline my extension request? Does their reasoning make sense to anyone? I've called Mr. Cooper many times, it's difficult to get clear information. What can I do to get on track to the forbearance extension? 

Before the pandemic, my mortgage was current and in good standing. It's currently almost a month past due because I was awaiting on results from the forbearance extension request. They kept telling me it's under review ( for several weeks ). 

What are my options? Are they creating and taking advantage of loopholes to deny my much needed request for forbearance extension? I am currently unemployed. Please advise. Thank you!
Consumer complaint received 2018-09-26
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: MERCANTILE ADJUSTMENT BUREAU, LLC (FL)

I had a debt with a car loan. The debt was sent to collection agency. I paid and settled with the collection agency to resolve the debt. This was almost 2 years ago. All 3 credit report bureaus removed the debt after I submitted a letter from the collection agency. They reported it as {$0.00} owed. 6 months ago ONLY XXXX  showed there was still as amount of {$2900.00}. Everyone shows {$0.00}. I started a dispute. contacted the original company as well as the collection company to confirmed. Both agreed it was resolved. I submitted my letter to XXXX. It is now 2 months later and this STILL shows up. Ultimately, as of yesterday it cost me getting a car loan at 8 % to now 10 % ... .that {$70.00} more a month times 72 months for their in correct information. I am very frustrated and do not know where to turn to have this removed. Ironically, the added payment is more than even the original debt. This is not fair to consumers and I feel i have to accept this blemish on my report from XXXX ... note : IT'S MY ONLY BLEMISH ...

Original Debt : XXXX XXXX XXXX XXXX : Mercantile Adjustment Credit Agency who totally botched : XXXX
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct.
Consumer complaint received 2020-05-12
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. (NJ)

Report Number : XXXX Date Generated : XX/XX/2019 Our reinvestigation of the dispute ( s ) and/or other request ( s ) you recently submitted is now complete. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary.
Consumer complaint received 2019-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (SD)

I keep getting called to collect on a debt from a person who had my number previously. They keep trying to collect on the same 2 credit card debts. The company claims they are called Client Services. Can be reached at XXXX XXXX
Consumer complaint received 2021-06-29
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: Experian Information Solutions Inc. (FL)

Hi, After 3 months of trying to get Experian on the line in order to fix my identity issue, I reached a new bottom with Experian. 
I've been trying to obtain 3 credit bureau reports using free annual credit report.com and only with Experian I'm not able to verify my identity, AGAIN. 
After calling Experian again for another week I managed to speak to a rep that literally didn't have a clue of my issue and had 0 will to help, transferred me to a supervisor ( XXXX ) just in order to give politically correct answers. 
Literally told me that there is nothing I can do to fix it. 
I just won't accept it, Experian holds information on people 's lives and once they need to fix the minor issue they won't even deal with it. 
Shame on them I want to fix it ASAP as I'm not able to apply to any creditor that checks my credit with Experian
Consumer complaint received 2021-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (NC)

Upon reviewing my credit. I notice my XXXX laws are violated. I sent a letter to the company stating I didn't give permission for 3rd parties to have my info. The company is required to provide all the things that were asked. The company failed by ; The bill does not include a detailed breakdown of any fees. You failed to do the Validation of Debt and XXXX authorization which is - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you In your response, They have failed to provide information within 30 business days. According to the FDCPA and XXXX Collection Laws the requested information above is not a matter of your discretion to provide, you MUST comply with my request. In failing to do so you are in violation of my rights. As a company they are suppose to have those items to verify if they are accurate! That's evidence!!
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

My issue is Synchrony Bank XXXX XXXX  credit card claims it has NO credit showing from XXXX for a refund made and released to them with a batch number to verify it was done - and they will not refund to me {$680.00} because they DONT SHOW ANY CREDIT ISSUED BY XXXX. Even though XXXX has proof it the release of funds executed ( see below ) XXXX  television shopping network processed a refund ( for an XXXX computer on XX/XX/2019 for the amount of {$680.00} for an XXXX laptop computer Silver XXXX XXXX XXXX ) and XXXX ( XXXX  in the office of the president for XXXX at XXXX XXXX XXXX xt XXXX ) claims these funds of {$680.00} were released to My XXXX XXXX credit card on XX/XX/2019 in the amount of {$680.00}. She claims proof this was done is the batch # XXXX. I was told by the credit card company they never received this refund from XXXX and wont give me my money back! 

Synchrony Bank XXXX XXXX customer service manager XXXX and that I spoke to by phone on XX/XX/2019 states it has not yet been received and there are no records of it. He put in a dispute but stated it could take 60 days to resolve. 

XXXX would not give me any direct line or persons name to deal with the matter and every time I call it takes over 45 minutes to re-iterate the story and get a manager to speak with.

Today I called the credit card company again and spoke with a different customer service manager who said no matter what I want I just have to wait and he was also unwilling to give me a direct line number of or name of anyone to deal with directly. He was also unwilling to contact XXXX at XXXX office of the President when I offered him her number to assist in resolving the issue. 

Please assist in resolving this issue to obtain my refund of {$680.00}. 

Note : a different refund of XXXX for the warranty WAS showing as a credit on the credit card- but not the MAIN refund for The computer {$680.00} Thank you. 

XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX & XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX & XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$78.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2019-11-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CHALLENGE FINANCIAL SERVICES (CA)

At the end of 2018 I got into an accident and it was deemed a total loss. prior to the checks being sent over to the finance company from the insurance company I fail to receive a copy of the payoff balance sheet for the total payoff amount. Because the contract was only in duration for six months the total pay off the balance should not have included the entire finance charge for the duration of the entire contract and should have. At a much lower balance than what was stated to the insurance company. I have called numerous times always to be placed on hold for extended periods of time only to be not held that the end. I have written a letter to your place of business requesting copies of every single document that they have in their files in regards to my account and I received nothing as a response to but an e-mail requesting that I could sign in online to view my account history but when I do so the history in after dating question and not for the entire duration of the contract. And to add to that what they did instead was inputted into their computer system that I now have a balance of {$1300.00} because I was asking them to return to me any excess monies paid to them after satisfying my account balance. because by law it is rightfully mine and should have been returned to me as soon as the payments were made. not only did they not supply me with any of my paperwork to document any of the details and how the appropriated any of the refund money but I also never received the title for the vehicle in which the entire loan payment was made for. As well as they have now somehow added a {$1400.00} charge to my account but have no documentation explaining why or how that number was reached or why they feel entitled to such an amount. It is also incurring interest as if I was still under contract with them which is false because the terms of the contract were met and the account was closed and that was explained to me in one of the phone calls that I made to them. they should not be allowed to charge me for attempted charge me any money without them furnishing up and supplying the paperwork necessary to substantiate such claims. They also negatively impacted by credit score for months after the accident stating that I was past due on payments when in fact they had already received payment the loan. So all around this company is doing awful business they are not meeting terms that they should be and are not supplying any paperwork as to their conduct on that side of the contract. I have upheld my side of the contract and I believe that they should be held to theirs as well. There's a lot of unscrupulous behavior going on within this company, and that is some evident.
Consumer complaint received 2021-06-29
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a Capital One XXXX XXXX XXXX. I filled out forms and submitted 2 invoices to Capital One regarding 2 payments made to XXXX XXXX of XXXX, TX I disputed the charges because they came and misdiagnosed my failing refrigerator on XX/XX/2021. When the parts I paid for in advance {$200.00} came in, XXXX XXXX sent same repairman to my install and fix leaking water and warming refrigerator. I paid {$200.00} upon installation of parts and completion of repair on Friday afternoon, XX/XX/2021. But by late evening the refrigerator was still warm and not cooling. XXXX XXXX doesnt work on the weekend, so same repairman came on Monday XX/XX/2021. He recommended 2nd repair of a new Control Board for {$440.00}. I refused. Since then, Capital One has decided that I must pay {$400.00} for the failed repair. The Supervisor of dispute department said on a recorded line that a 2nd opinion of the necessary repairs was needed to complete their information request and furthermore stated these are the MasterCard, Visa guidelines. After 12 days without a working refrigerator, I bought one at XXXX on XX/XX/2021. I did not know I needed to keep my old refrigerator for a possible second repair opinion. NO WHERE in my documents from Capital One is there any mention of repair disputes or need of 2nd opinion. I feel Capital One is siding with merchant and not helping me at all.
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MN)

I/we have been in an adjustable rate mortgage 5/1arm since XX/XX/XXXX at an initial rate of XXXX  fixed for five years tied to the LIBOR rate and indexed at XXXX plus the LIBOR rate in XX/XX/XXXX of each year since XX/XX/XXXX. New payments start in XX/XX/XXXXof each year. Each time the rate resets the principle reduction decreases and the amount of interest to Ditech increases. This has been going on sinceXX/XX/XXXXwhere the amount going to principle actually goes down see the attached. This is incorrect. The loan is not new each year and should not be treated as such where a new loan inception takes relatively little principle off.

I have had the State AG office look into this but I don't believe they understand the math well enough to solve the issue.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-04-06
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. (CA)

This is my 6th attempt to get this matter resolved but then again my request is still being ignored. I have a loan with the accounts below and I always made my payments on time. For some reason, I realized that there were 30 days past due from XXXX, XXXX and 60 days past due on XX/XX/20. I have read enough to understand my rights. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA.and is wilfully non-complying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the accounts with erroneous information that I'd like to remedy ASAP. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-20
Product: Checking or savings account — Checking account
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: John C. Heath, Attorney at Law, PLLC (WA)

I kept denying to get my frist personal loan and I'm new to credit score and I have a payment in like 3 more days left from today ... why can't I get one? I have bad credits or good credits I just started I should be able to get a chance so that I can fix my credits
Consumer complaint received 2023-01-13
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: BARCLAYS BANK DELAWARE (FL)

On or about XX/XX/22 to XX/XX/22, XXXX charges were made to my Barclays account by a dentist : {$1000.00} for the future cost of a crown, {$99.00} for some " club '' that they have which supposedly lowers the price of your services, and another {$99.00} which I presume was for the visit, which pretty much entailed having XXXX of their nurses glue the broken crown to the other half that remained in the mouth, and which promptly broke off again that evening at home. They glued the broken crown because their facilities did not have a lab that could do a temporary crown. Once the crown broke again, I knew I was not going back, called them the next day, canceled the crown, and demanded all my money back. I then disputed the charges on my bank card. Eventually, the dentist sent me a check for {$1000.00}, but nothing for the other {$190.00}. Barclays has embarked on a course of action that is at least inappropriate, if not illegal. They have added and removed these amounts at whim, without consulting with me, and the latest thing they did was send me a package ( more like a book ) of papers about the issue, I'm assuming. My eyesight is impaired and I can not be expected to read it. On information and belief, Barclays was aware of my eye condition before but, if not, I made sure to remind or notify them again tonight, when I tried to reach Barclays again. Unfortunately, or conveniently, the right department was closed tonight. Instead of a book, I need them to make sure that the {$1000.00} ( if paid by me on the account ) was reversed, and that I get my XXXX {$99.00} charges returned as well.
Consumer complaint received 2020-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (OK)

Reporting a debt on all 3 of credit bureaus ( XXXX, XXXX, XXXX  ) Is the result of Identity Theft, police report and FTC Affidavit on file.