davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Dear Sirs, I wish to report a complaint about a mistake by the Mr. Cooper mortgage company has made on my mortgage. We always pay a normal house payment that includes, principal, interest, taxes, and insurance every month to be applied to the upcoming month... example : we pay for XXXX 's house payment at the end of the preceeding XXXX, XXXX is paid at end of XXXX, XXXX is paid at the end of XXXX, etc. 
On XX/XX/XXXX for this year, we sent our NORMAL, regular house payment for XXXX as is our normal methodology. For an inexplicable and admitted mistake, Mr. Cooper took our full XXXX payment and decided, with no direction or input from us, to apply the entire amount to principal ( pay-off ), then later in XXXX sent us a note that we had not paid XXXX and were late and were being charged a late fee. No, we sent XXXX payment as is our normal custom on XX/XX/XXXX, on-time, to be paid for the month of XXXX. Then when we discovered that they said we had not paid for XXXX we called to prove to them that we did pay it. That is when the customer service lady admitted that a mistake was made and it was all applied to principal. I figured they could then remedy this situation. Instead they gave me the sad song there was nothing they could do and I should report the problem to their complaint email of XXXX. 
I did in fact make such a complaint letter and sent it off electronically XX/XX/XXXX. Also earlier that same day of the XXXX we sent in our normal house payment for the month of XXXX on XX/XX/XXXX but they applied that for XXXX, effectively making me now late for XXXX, even though we paid it XX/XX/XXXX. 
I sent them a letter as directed by customer service on XX/XX/XXXX. To date, they have not acknowledged their mistake, taken any action to explain their lack of resolution, they have ignored making response to my letter of complaint. 
Tonight I called them to ask for updates but the line said wait time ( at first ) was over an hour and then later during the hold time it was moved to more than 2 hrs. I waited on the phone until XXXXXXXX XXXX cst at which point the line deliberately disconnected from their end with no announcement and XXXX full minutes before the cut off time of XXXX cst. I immediately called back before XXXX and they reported they were closed. 
Regrettably their actions are a financial hardship and should be easy to remedy but to date I have been ignored. For this reason I am seeking your assistance to lodge a complaint to seek remedy.
Consumer complaint received 2024-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing this to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 U.S. Code 6802 of the XXXX XXXX XXXX ( XXXX ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/year>, I notified XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 U.S. Code 6802 of the XXXX XXXX XXXX ( XXXX ), and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the XXXX, I have reason to believe that XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX  XXXX complies with all federal regulations and laws including the XXXX, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX. 

Lastly, I have already submitted a compliant with the Consumer Financial Protection Bureau against XXXX XXXX. The complaint number is XXXX. 

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (OK)

Any accounts I 've had with XXXX were paid in full and closed prior to XXXX from Georgia. I do not owe this debt. I have disputed this account numerous times and each time it has been removed, it is then added again by another one of these " companies '' likely to negatively impact my credit score. Which should be illegal yet Experian continuously allows. Furthermore, I am in the process of disputing this account with another collection agency who is reporting the exact same thing in another one of my credit profiles ( XXXX ).
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (IL)

Hello I 'm hoping someone can help me I have an account with care credit since XXXX 2012 I want to pay off my balance but the interest fees and the interest rates and the late fees are just to outrageous I will never be able to finish paying this off is there any recourse for me? I believe I was mislead by the people at the dentist office I really want to resolve this Thank you
Consumer complaint received 2016-05-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northland Group Inc (AZ)

I am a new resident in XXXX Az. About one month ago I started receiving calls from " Northland Group ''. I have had enough of their calls and blocked their phone number. I went to XXXX and there are over XXXX pages with complaints about this company. This company apparently is looking for a debtor and I owe nothing to anybody. I pay my bills within 30 days. I want them to stop calling my number because I do not think they are looking for me or my family members.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account. Despite numerous reports and requests for assistance, the resolution process has been ineffective, and the fraudulent charges persist, causing significant distress and inconvenience. 

I discovered unauthorized and fraudulent transactions on my account, prompting me to contact your institution immediately to report the fraudulent activities. Since then, I have diligently followed the necessary procedures for disputing unauthorized charges, providing detailed information, and submitting supporting evidence. 

Regrettably, my efforts to rectify this situation have been met with continuous setbacks, leading me to question the efficiency and effectiveness of the resolution process. I wish to bring the following issues to your attention : Inadequate Investigation : Despite multiple reports and the provision of supporting documentation, it appears that the investigation into these fraudulent transactions has not yielded the desired results. The lack of progress is concerning, and I am left with unresolved issues on my account. 

Communication Breakdowns : Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the investigation and the actions being taken would have provided reassurance during this challenging period. 

Continued Unauthorized Charges : To my dismay, the fraudulent items persist on my [ credit card/bank statement/account ], indicating a failure to adequately address the issue and protect my account from further unauthorized activities. 

I understand that addressing fraud cases is a complex and challenging task, but as a concerned customer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assisstance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2300.00} XXXX XXXX  XXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX  XX/XX/year> XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXXXXXX Balance Owed : {$390.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXXXXXX XX/XX/year>.
Consumer complaint received 2022-02-08
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)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-22
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WA)

I have received notification of an adverse credit reporting from XXXX XXXX. In XX/XX/XXXX, I contacted XXXX and learned that I had a student loan through XXXX XXXX in the arears of 120 days. I contacted to XXXX XXXX to find out what I thought was a cosign on a loan was actually a loan in my name. I immediately contacted XXXX XXXX and learned that they had the incorrect email for contact. I was told by their customer service representative at that time that XXXX XXXX does not mail anything out, that all contact is made through email. I immediately remedied the past due amount. I filed a dispute with XXXX XXXX because I had never been contacted. I also filed disputes with XXXX, XXXX  and Equifax because of the impact this had on my credit rating which had always been outstanding. I feel the adverse reporting on my credit report was unfair since I had never been contacted. None of the credit reporting companies reversed the adverse reporting. I made a two timely monthly payments, then on XX/XX/XXXX, I paid the loan in full. I contacted XXXX XXXX again on XX/XX/XXXX to request the adverse credit reporting be removed from my credit report. I was told that XXXX XXXX sent 2 letters, and made 2 phone calls to advise me of my late payment status. I never received either of the letters or the phone calls. I have always had an outstanding credit rating. XXXX XXXX is unwilling to change their credit reporting because their records show that letters were sent and phone calls made. Neither of which were ever received by me. I have always had outstanding credit. I pay all of my bills timely. I immediately upon learning of the past due loan, remedied the past due amount, kept current and paid the loan off in it's entirety. XXXX XXXX is unwilling to reverse the adverse credit action because according to their records, they did attempt to notify me. XXXX, Equifax and XXXX  will not reverse the adverse credit reporting because XXXX XXXX claims it is valid reporting. I feel this is very unjust. I was never contacted by XXXX XXXX. It was I who made contact with XXXX XXXX and made remedy. I want my credit rating restored.
Consumer complaint received 2015-09-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

Our loan was modified. We made all the trial payments needed. They came back to us and said they were sorry they made a mistake. We appealed it and then they came back and said they would honor the {$1800.00} payment but we had to pay {$5600.00} in a few days. We asked for more time but they said no. We appealed and was told to do nothing until they reached a conclusion. They told us to make XXXX 2015 payment which we did. They sent us new modification papers which only stated we had to pay the {$1800.00} and nothing else. We signed and notorized them and sent them back. They executed them and sent us copies. I made the XXXX payment on time and today XXXX/XXXX/15 they returned my money and said they want {$6100.00} by XXXX XXXX ( 4 days ) and also pay {$2900.00} for 6 months before we can pay the {$1800.00}. They said our modification was no longer good. I do n't feel what they are doing is right. Can you please help to straighten out this mess. We do n't want to lose our house over this because they are not taking our payments.
Consumer complaint received 2023-03-17
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-06-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (MD)

I am being charged excessive fees by this bank. I even made a deposit to cover the deficit that the fees caused and it was not until I was away from the bank that I discovered the teller moved money into the wrong account despite having the assistance of a branch manager. Because she did that and the deficit remained, I got charged more fees, none of which were fixed. I am being charges hundreds of dollars a month in fees and I only make {$14000.00} a year. I went into the XXXX Citibank next to my work and I was basically told to make more money. I check my account on a daily basis and these fees are coming out of nowhere.
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (CT)

American Express continues to report the main card of an authorized user account I closed to my credit report. I closed the authorized user card & cancelled my affiliation with the account at the start of 2016 and they are still reporting to XXXX of the XXXX credit reporting agencies when I 'm no longer responsible for or authorized on the original main account.
Consumer complaint received 2018-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

We have used a Capital One credit card for years and taken advantage of the cash back rewards for years as well. When we have some awards accrued, we always have the rewards amount ( in dollars ) applied to account, always with the understanding that the cash back amount did not serve as a payment. Therefore, without exception I would always deduct the rewards amount from the month 's balance and pay the remaining amount well before the due date resulting in the entire month 's amount due being paid well before the date due and avoiding any interest. 

Suddenly I am being charged interest despite the fact that the entire amount due on that month 's bill has been paid in full before the due date. How can you charge interest on a XXXX balance just because a part of the amount due was paid with the company 's own rewards and all before the due date? This is their excuse for tacking on interest. 

Should you need to see last month 's statement, we will be happy to provide it ; however, we hope it will not be published. I have asked to use my remaining rewards towards the next bill as part of my effort to get rid of this card. This company has certainly changed and is now exhibiting blatantly greedy behaviors.
Consumer complaint received 2022-02-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Benuck & Rainey, Inc. (NH)

After an overnight Hospital Stay, there was a disagreement between my insurance company and the providing hospital. As I worked with my insurance company, correspondence from the hospital stopped and I assumed the issue was resolved. There have been a series of phone calls ( I have 3 recordings on my machine ). The calls were very obtuse, never noting who they were, who the creditor was, it was only threats of further action. The calls sounded like a scam especially seeing that I have no outstanding debt that I was aware of. I have never received any documentation from Benuck & Rainey until I saw the hits on my Credit report. I did send my contact info to their web site on XX/XX/XXXX and I am still waiting for a response. I
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (DE)

I 've received 3 calls in the past 24 hours from various individuals at a company called Convergence. They are asking for my husband, and have been extremely aggressive and belligerent when they do so. They refuse to identify themselves or disclose why they are calling us. Each call has quickly escalated to a very unpleasant exchange. The calls have become a nuisance.
Consumer complaint received 2022-02-08
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. (CA)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time
Consumer complaint received 2016-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rent Recovery Solutions (GA)

7 months ago, the cosigner of an apartment I resided in received a call claiming {$610.00} is owed due to " destruction of carpet '' to Rent Recovery Solutions. During the walk thru of the apartment with XXXX XXXX, the condition of the carpet was never mentioned. Unfortunately, having this been my first apartment, I was unaware that I needed to sign off on the walk thru. Never was I notified by the complex that this was owed and after receiving the call the complex claimed to no longer have my files. From the collection agency I received the walk thru letter, without my signature, showing the amount that cost to replace the carpet. The agency is unwilling to send me anything in writing stating that I owe this debit to them or that once the amount is paid in full, the case is closed. I am unwilling to pay them without the validation of this debt as stated in the Fair Debt Collection Act. I would like to take care of this as soon as possible since it has already gone on for 7 months. The XXXX XXXX hot line lead me to your sight. I am going to send a certified letter to the agency stating that I have filed this complaint and that they refused to abide by my legal rights.
Consumer complaint received 2018-11-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (CA)

My student loan used to be serviced by ACS which became or was transferred to Conduent. When I try to log in their site to check my loan balance & related information, I get a response saying Conduent is not the servicer for my loan. I don't know who services my loan now ; the monthly payment is being automatically drawn from my account because this is how I had it set up with ACS, where are the payments going?
Consumer complaint received 2016-05-05
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Atlantic Credit & Finance, Inc. (MA)

On XXXX/XXXX/16 at approximately XXXX a debt collector representing Atlantic Credit and Finance calls a third party ( my brother ) and shares confidential information regarding credit card debt that I allegedly owe to the company. The debt collector asked for contact information regarding me and my place of employment as well as a personal cell phone number. After he received my personal information the debt collector calls me without identifying himself.