davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I was behind in my mortgage payments with a previous servicer and applied for XXXX relief extension. During that time RightPath Servicing became my new mortgage servicer. I had six months to go until my forbearance ended. However, XXXX called me every day harassing me about the " loan '' to the point I had to tell them to stop. They ignored me and kept calling under the " guise '' that they were trying to help me to find additional ways to assist once the forbearance ended in XX/XX/2022. At the time, I had an active application in with the XXXX XXXX Assistance XXXX to help me get caught up with 5 payments that was in arrears. I was approved and the payments were paid with a lump sum. XXXX also paid for 3 months in advance. But XXXX put the 3 advance payments toward escrow even though the payments INCLUDED the escrowed amounts! I had to contact XXXX to let them know what XXXX did and XXXX  had to reverse those advance payments and apply them in the manner that XXXX approved for me. What happened next was XXXX sent me a delinquent notice. I called them and the rep said it was a mistake. She confirmed I didn't have a payment due until XXXX and what that payment would be. I also went on the website and took a screenshot of it. But then XXXX started calling me again so I logged onto the website to see what was going on. XXXX had increased my monthly payments by 100 % stating that it was due to my increase in insurance coverage. The insurance had been issued in XX/XX/2022, and there was no mention of a change in escrow until XX/XX/2022. My modification application was denied in XXXX ( due to the payments and me indicating that I could pay the monthly amount with my income starting in XXXX. But now that XXXX has increased my payments by 100 % I am back where I started with facing financial difficulties. I did receive a letter from XXXX on XX/XX/2022, stating that I may be eligible to cancel the escrow, so I did request that on XX/XX/2022. I would be able to pay the insurance myself with their arrangements and the taxes too, as I know how to budget my own money to pay bills. I believe XXXX is deliberately trying to force me into foreclosure, overcalculated the escrow and finding ways NOT to help, but to harass me, as none of this was ever told to me at the time my payments were no longer in arrears. I have an outstanding FICO score and credit ratings. This move on the part or XXXX is not in my best interests and I would like your assistance with making them do the right thing and cancel my escrow. I have read the past complaints and settlements from this company under other names/businesses and it appears that they are complicit with breaking the laws and providing unethical services. I look forward to your assistance and a resolution in my favor.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, and XXXX, has violated my right.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Consumer Adjustment Company Incorporated (FL)

Consumer Adjustment Company Inc. 
address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Company reported a {$440.00} bill to collection even though I never requested their services. XXXX XXXX sheriff called an ambulance and a medic XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX. Since they called the ambulance they should be responsible for the bill. I woke up in the hospital. After being released I received an ambulance bill and contacted the hospital which told me to call the sheriffs office who they said should pay the bill. They refused to pay and after months of going back and forth the XXXX XXXX sheriffs off, the bill was sent to collections which dropped my credit score by XXXX points! There should be a law against for debt collectors trying to collect money from someone that did not request services.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

I have contacted the collection agency XXXX and paid for deletion. This account is still being reported as open, with a balance. I have submitted proof of payment along with a dispute for inaccurate reporting. Next will be litigation, if not resolved in a timely fashion.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the Fair Credit act XXXX XXXX XXXX XXXX Account # ( XXXX ) 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-29
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. (NY)

I XXXX XXXX, a natural person, is a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX CARD SERVICES HAS VIOLATED MY RIGHTS.15 U.S.C SECTION 602 A. STATES I HAVE A RIGHT TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 ; .IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-10-29
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. (GA)

I have tried on numerous times to have fraudulent inquiries removed from my credit report and have end filed FTC report but was told my FTC report wasn't enough to get the inquiries removed. I have included the FTC reports along with the request to have them removed.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation (TX)

Albert ( XXXXXXXX XXXX ) has been charging my account and closing / reopening and closing in a non proper form. First of all they emailed me saying they were closing my account due to non normal suspicious activity yet couldnt say what the activity was. So they close the card and then tell me to withdrawal all the funds within 5 business days to an external account. When I try to withdrawal the funds it sits in initiated and never goes through. There were unauthorized charges on my account from XXXX XXXX XXXX XXXX. Albert advised me to go contact the merchant myself to deal with the fraud. So then I reached out to this merchant and advised them of the unauthorized charges. At that point they attempted to refund all the charges which is over {$800.00} Albert then declined the refunds, and then messages me telling me they temporarily lifted the suspension and I need to go tell the merchant to issue the refunds again because Albert declined it. The merchant is confused and doesnt want to double credit. Albert tells me they already declined it and I need to go back to the merchant. I disputed the charges as unauthorized and they do not care. Albert told me to go handle it myself but then blocks the merchants refunds then unblocks the card and tells me the next day they reblocked the card once the merchant attempted the refunds again. This is not good service this is consumer abuse.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXXt Account : - XX/XX/XXXX - {$1300.00} - XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} - XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$540.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$290.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$89.00} - XXXX XXXX XXXX XXXX  XXXX XXXX A 5 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

On XX/XX/XXXX2022 I received my property tax bill in the amount of XXXX which I forwarded to my mortgage company Mr. Cooper screen shot attached. On XX/XX/XXXX2022 my mortgage servicer stated they were still looking into my issue. Then on XX/XX/XXXX2022 I was sent a disbursement check in the amount of XXXX which I used to pay my property tax bill since there were no longer enough funds in my escrow account to cover my property taxes of XXXX and I did not want to become delinquent. Then on XX/XX/XXXX22 Mr Cooper paid my property taxes in the amount of XXXX which is incorrect and I want XXXX refunded to my escrow account and requested this back on XXXX XXXX, 2022. My query is still unanswered.
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AR)

I purchased a white vinyl privacy fence from XXXXXXXX XXXX for a home improvement project, during XX/XX/XXXX. The fence was financed by Synchrony Bank where I was issued a credit card for Lowe 's with a {$9100.00} credit limit. The card came with a " deferred interest promotion '' of 3.99 % for 36 months. I setup automatic payments in the amount of {$350.00} each month, to pay the balance off sooner than 36 months. But before I paid it off completely, I used the card again during XXXX on a second home improvement project by having XXXXXXXX XXXX replace my roof, and some other home improvement projects. Unfortunately, because of the COVIC pandemic along with the ever increasing cost of living, versus my fixed income, I was going to have to reduce my $ XXXX monthly payments. In addition, I was furthered financially burden when I fell victim to a Bitcoin scam where I lost {$18000.00} from my checking account during XX/XX/XXXX. I sent Synchrony Bank a copy of the Police Report. On XX/XX/XXXX, I notified them by email of my situation and informed them that I could not afford to pay 26.99 % interest, with " Late Fees '' and " Overlimit Amount '' Fees, but I would be willing to make $ XXXX  monthly payments, as a sign of good faith, for the next 2 months. After which I would be in a better financial position to pay the balance in full! I only asked if they would be patient and work with me. Synchrony Bank has shown absolutely no compassion or empathy for my dire situation and continues to increase the balance on the card. If Synchrony Bank is allowed to continue with their selfishness and greed, it will only damage my credit rating, and I request that action be taken as soon as possible to prevent that from taking place.
Consumer complaint received 2022-10-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

I recently contacted Navient my loan servicer to get 2 charges of {$110.00} removed. Last month on XX/XX/2022 they set up 6 month plan with me to pay the lowest amount which is around {$30.00} for 6 months. I had to pay a very small fee to do this. After this contract was completed last month, they charged me {$110.00} for XXXX and XXXX which is not what I consented to. The payments Navient does for the smaller amount in the contract is through autopay but the contract clearly states that the amount to be withdrawn is the amount in the contract not any other amount. 

Navient sent me a message this week saying that they can reverse the {$110.00} but doing so will be reported to credit bureaus as delinquent status for my loan. They also said the amount withdrawn on XX/XX/2022 was done by myself but the account is on autopay which is required for the contract. I did not authorize Navient to charge me 2 separate times of {$110.00} and they are trying to blame me for having auto pay on as if them making extra payments outside contract while Im on autopay is consensual which it is not. Autopay doesn't mean Navient can take out what and when they want it is designated for the contract amount once a month for 6 months and nothing more. 

Navient does not have the right to abuse autopay and tell me that I will be reported for delinquency to the credit bureaus when I am making payments via contract to them for 6 months. 

In the documents I will submit to you I will show the messages I got as well as the payments that show only 1 reversal instead of 2. 

So Navient is taking advantage of the autopay while trying to ruin my credit and they won't refund both of the XXXX illegal charges from their unauthorized transactions.
Consumer complaint received 2022-05-28
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: EQUIFAX, INC. (IL)

I've just received my credit report and noticed unauthorized items that is reporting to ALL 3 credit bureaus and it's hendering my chances of success during these rough times
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (DE)

In According with the fair Credit Reporting act XXXX Account has violated my rights. 

U.S.C section 602 A. States I have the right to privacy. 

U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-15
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CDS Debt Relief, LLC (NY)

Absolutely horrible, horrible, horrible company!!! They steal your money and make a bunch of promises that they are in no position to keep! They are unethical, fraudulent, dishonest, thieves! 
When I called to cancel and stated I want my money back, over {$2400.00}, they told me they spent it all! I dont know where how or they spent it, but it wasnt on anything do with me! I asked for documentation on how my money was spent/distributed, and I was told they didnt have a record of that! That, is stealing!!! 
They took XXXX ACH drafts, {$400.00} each for a total of {$2400.00}. They did nothing, nor is there any record of where my money was deposited, let alone how it was distributed! None of my cc companies have been contacted. I received a letter from one of the credit bureaus that what the company is doing is against the law and they are not authorized to be doing what they are doing on my behalf and that their practices are illegal! I had been asking for documentation for several weeks! Sent several emails which questioned what they are doing. They just kept taking money! 
When they take your money there is XXXX visibility to any bank account tied back to me or what they promised they would be doing on my behalf. In fact, they just use an open ACH draft, so the only way to stop them from taking my money was to close my checking account! 
Its all sketchy and bait and switch scam!!! 
Run, run, run!!! 
I want my money back and I want it now! I will also be filing a claim with the attorney general and I would encourage anyone else who fell victim to their thievery to do the same. They need to be shut down!!! 
They also use the business name XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (AZ)

Problem/Issue : After informing Marcus about an incorrect address, Marcus continues to send statements to an address that I no longer live at. 

Result : Statements not received, late statements and a risk to me as someone can pick up my statement and create fraud. Marcus management is neglecting their duties to protect my data, inform me of a regular timely statement through US mail that can be paid before encountering a late fee. 

Expectation : Marcus will permanently fix the address issue and send me timely reliable statements. 

Background information : Marcus took over the GM Card after XXXX no longer did this in XX/XX/2022. I moved and informed Marcus of my new address. I began receiving the statement at my new address with the correct address. In XX/XX/2022, I did not receive a statement from Marcus. I logged on to Marcuss website and downloaded the statement and paid the bill. 
I called Marcus and informed them that I did not receive a statement. They offered to mail one or email it to me. I informed Marcus that the XXXX statement had an error on it, and the address was incorrect. I indicated to Marcus that I wanted them to correct the address issue and send statements to my current address and that there was a problem with their information billing system. Marcus has my current correct address associated with my customer profile. I also provided it to the customer service representative who indicated that Marcus would fix the incorrect address. The customer service representative seemed to not understand the issue after repeating the situation a number of times to her. 
On XX/XX/2022, I received a letter from the US Post Office with a yellow label on it stating inform sender of address. I opened the statement, and it had my old address on it. I received the statement late and had to rush to pay it before encountering a late fee, in which Marcus is to blame, since they again failed to protect my data and send me statements directly. 
I called Marcus again to inform them about the incorrect address on my billing statement. Again, I found disconcerting was that the representative would not take the issue and assure me that it will be fixed. I informed Marcus that I am going to file a complaint. Marcus does not seem to care about my personal data, business with them, compliance with the credit card agreement, and sending me reliable, accurate and timely statements.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

There are a bunch of in active accounts on my credit report from this year and last year. i have filed numerous reports with the FTC in regard to this matter. i am also getting harassed by numerous debt collector in regard to these debts. I do not know any of the technical terms for the debts that are trying to be collected. i ask that the following accounts be removed from my credit reports XXXX Hard Inquires XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX