davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

Mr Cooper 's tax and escrow departments have horrible customer service. This began with several missteps in their tax department and now followed with their escrow department withholding monies that are rightfully mine. I am a XXXX veteran ( XXXX XXXX XXXX XXXX ) and entitled to tax exempt status for all of my personal property taxes, most specifically on my home. My county tax department sent a tax bill in error to mr cooper in the amount of {$2100.00} in XX/XX/XXXX. I discovered this and notified mr cooper 's tax department that this was an error. Specifically I reminded them of my tax exemption which was already in place on this VA Loan. I sent an email to mr cooper 's tax department on XX/XX/XXXX and included copies of 1 ) my tax exemption from the SC Department of Revenue 2 ) a NEW county tax bill in the amount of {$60.00} ( this is my only tax liability which is a local fire tax ) and 3 ) my letter from the VA stating that I'm a XXXX veteran, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and tax exempt from two autos and my home. I also followed up with them numerous times and each time they assured me that it will be taken care of. However, mr cooper paid the erroneous tax bill in the amount of {$2100.00} on XX/XX/XXXX. In doing so, it created a negative balance in my escrow account and they sent me a bill to increase my mortgage payment from {$920.00} to an adjusted payment of {$1200.00} due on XX/XX/XXXX. I went to XXXXy county treasurer and was told to call mr cooper tax department and give the the name and tel number of an individual in the treasurer 's office. this way mr cooper could verify that they 1 ) overpaid my tax liability by paying property taxes and 2 ) to confirm that a refund would be sent to them. I did this and mr cooper changed my mortgage payment due on XX/XX/XXXX to {$940.00}, which i paid. mr cooper received the refund from my county treasurer the end of XXXX. in the interim, i refinanced my loan with XXXX XXXX. XXXX XXXX secured a payoff amount from mr cooper in the amount of {$170000.00} which included the {$1600.00} escrow shortage. Mr cooper received these funds on XX/XX/XXXX. I called to verify that and was told my loan was transferred to freedom mortgage and that mr cooper transferred funds to payoff the loan with them on XX/XX/XXXX. I called today and spoke with my contact with mr cooper, XXXX and he told me I was only getting back {$500.00} and that the {$1600.00} was a shortage and their money. I have documentation of how much loan depot paid to mr cooper, again it included the {$1600.00} escrow shortage but get nowhere with mr cooper, specifically XXXX nor his supervisor. This is all of mr cooper 's making from overpaying the tax liability ( when they had documentation in their offices for almost 5 weeks stating otherwise ) to keeping the escrow shortage of {$1600.00} that was paid off by loan depot when i refinanced. I feel that XXXX with mr cooper is doing something fraudulently with my money. Please help
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CT)

I opened a Discover secured credit card, deposited {$500.00} on XX/XX/2021. According to Discover, after 6 months of on-time paying on all my credit accounts, I can 'graduate ' to an unsecured credit card and receive my deposit back. It is now well over the 6 months and when I called I am told that no one, not even the supervisor I spoke to or anyone else above him, can know why I haven't gotten my deposit back. My account is paid in full every month. I have no other credit cards and only two car loans, which I pay monthly. I find this a predatory practice where the only way I can receive my deposit is when the auto check each month runs and says I can. Not one human at Discover can provide any insight, only look at what the screen says, which is not graduated.
Consumer complaint received 2022-06-08
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. (AL)

in accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 2022-02-11
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: EQUIFAX, INC. (WI)

XX/XX/2022 I sent dispute letters to XXXX, XXXX, and Equifax. Disputing the accuracy of the inquiry. It has been over 30 days and I have received no response.
Consumer complaint received 2022-07-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2022 I requested debt validation from Experian and XXXX and received nothing to validate the debt. I have disputed with accounts several times and they sent a letter saying they changed addresses but didnt send a letter answering my request. The debt does not belong to me and they havent sent any verifiable information to say it does.
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CT)

Unable to pay online via account or XXXX XXXX Chat is a bot, and the customer service phone number goes to a recorded blurb and then disconnects. Been going on for over 10 days now. My payment falls on a holiday weekend, yet their social media states only people whose payment is due by XX/XX/XXXX will be saved late fees. My payment is due XX/XX/XXXX and I STILL cant pay.
Consumer complaint received 2022-02-11
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-07-03
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. (SC)

In accordance with the fair credit reporting act XXXX accounts : XXXX XXXX  act # XXXX, XXXX XXXX act # XXXX, XXXX XXXX XXXX act # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account t without my written instructions.
Consumer complaint received 2019-10-16
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: EQUIFAX, INC. (TX)

I submitted a dispute to Equifax on XX/XX/XXXX, regarding XXXX XXXX. XXXX ( XXXX ) has reported that I am late, lowered my credit limit, charged XXXX in interest XXXX wrongfully ),  and has started harassing me. I uploaded 5 pages of documents showing that when I made the purchase, I signed for 48 months NO interest equal payments. They stated that Equifax verified the debt. There is no way they have signed papers after XX/XX/XXXX which is when I made this purchase. Equifax failed to actually look at my documents and verify what the lender sent. This has caused undue stress and a continued lowering credit score. According to the Fair Credit Reporting Act, they have an obligation to verify and have failed.
Consumer complaint received 2022-07-03
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. (PA)

i writing to delete the follwing imformation in my file. the items i need deleted are listed in rbe report. i am a victim of idneity theft & did not make the charge. i ask that the items be deleted to correct my credit report.i reported the theft of my idenity to the Federal Trade Commision & i also have enclosed copies of the Federal Trade Commsions Idenify Thef Affidavit, please delete items as soon as possible.
Consumer complaint received 2022-02-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A. (TX)

On Friday XX/XX/2022 at XXXX I attempted to contact PNC Bank regarding the payoff on my personal loan account ending in XXXX. The Balance on the account as of XX/XX/2022 is XXXX. When I called customer representative XXXX XXXX I asked her if the payoff was {$8200.00} and she replied no and I then asked her what the payoff was of today and she verified the same amount. I did ask her if any charges would go up while the payment was processing and she would not answer me directly other than stating that it could take XXXX to XXXX business days for processing. I am requesting that all interest be stopped on this account and be credited the added interest.
Consumer complaint received 2022-06-08
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. (UT)

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

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 2022-06-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (PA)

I have reached out to Southwest Credit Systems requesting information which I have yet to receive. Southwest Credit systems also continued to report the debt after they received my letter. Southwest Credit Systems is in violation of my rights as a federally protected consumer.
Consumer complaint received 2022-06-08
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. (MO)

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

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 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have noticed these inquiries were placed on my consumer reports. I do not wish to disclose such information on my reports as I did not give consent for these hard inquires to be placed on any of my consumer reports. Thank you for understanding. Below are the inquiries I wish to be removed from all consumer reporting agencies as soon as possible. I am aware that in order for anything to be furnished on my consumer report you must have my consent, in which at this time I DO NOT GIVE YOUR COMPANY CONSENT TO FURNISH ANY INFORMATION about me. 
XXXX XXXX. XXXXXXXX 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 XXXXXXXX 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 XXXXXX/XX/XXXX.
Consumer complaint received 2022-06-08
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. (TN)

In accordance with the Fair Credit Reporting Act & CARES Act, XXXX  XXXX Account # XXXX & Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC.

Below are the late Missed Payments in question : Account : # XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 60 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 60 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX XXXX 120 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 60 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX Account # XXXX XXXX 30 Days Late Reported on XX/XX/XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Information was sent to the credit bureaus stating that the payment is past due and delinquent. I've attached paperwork directly from XXXX site shows that it's current. This mistake has severely dropped by credit by 144 points. I've always had great/excellent credit. I just need this to be corrected with all the three ( 3 ) credit bureaus.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SIMM Associates, Inc. (NC)

Simm Associates is trying to collect for XXXX XXXX. The issue is that the loan was recalled by the original creditor in XXXX. Despite being informed of this and confirming that they cant take payment or discuss the account they still have not taken the item off my XXXX  or XXXX  report so I am filing a complaint. They only responded to the XXXX  compliant not the other bureaus and the information provided is not accurate. Thanks XXXX XXXX XXXX.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX took {XXXX} out of my business Via ACH on XX/XX/2021 from Bank America XXXX XXXX XXXX XXXX XXXX ). Which I am the owner of I have been to the Bank very often and to date nothing Has been done. The bank knew it was fraud I was in the bank when it happened XX/XX/2021. I called XXXX XXXX and was told if I did not have an account with them there was nothing they could do!!! 

And so I am reaching out to you for help. I have a case number with bank of America I have a fraud report also but after 6 months of trying I don't know what else I can do. 

Your help would be very much appreciated Business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX yes I would have no problem talking about this problem
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (IL)

Comenity Bank did what they called a planned system upgrade. There was no notice of the upgrade to customers. That happened about XX/XX/XXXX. A few days later it was still not up and I got a possible fraud alert on my card and it was declined. It has not work for 2 weeks now. Their website is down. Their phone system is down or they have nobody at their phone center. Unable to make a payment view a statement or use the card. They have cookie cutter updates that do not help on their XXXX page
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services (TX)

other EDFINANCIAL XXXX XX/XX/2018 {$890.00} EDFINANCIAL XXXX XX/XX/2018 {$6400.00} EDFINANCIAL XXXX XX/XX/2018 {$4500.00}
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX someone opened an account fraudulent with capital one, with my information. XXXX the account was closed, leaving me with a {$240.00} high balance and several adverse accounts in my credit report. My family and I are unable to live in a nice home as none of the better realty services will allow my poor credit. I currently live in a bad neighborhood as it was the best my credit would allow although my family is well able to afford better housing. I want better for my family but can not move forward until something is done. However capital one alone has a estimated date of removal pegged at XXXX.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (AL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 2022-06-08
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. (FL)

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 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 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

i received an email today that discover closed my account for failure to verify personal account information. 

theres an extortion attempt from discover to obtain my personal tax information for the IRS through a third party ( XXXX ) known for data breaches. 

discover restricted my account since XX/XX/2021. 

i made an attempt to resolve this issue by sending all the information they were trying to verify. 

discover was also served with a Notice of Billing error pursuant to 12 CFR 1026.13 they verified it was received in their office. in the aforementioned CFR no adverse action is allowed unless the dispute is resolved. 

sent via to discover registered agent The corporation trust companies vi certified mail tracking number : XXXX XXXX XXXX XXXX XXXX they were notified of a breach of agreement and noticed of adequate assurance of sue performance and asked to return a signed and notarized affidavit. 

discover was all notified verbally of a Cease and desist in XX/XX/2021. 

still the company decided to disregard the wishes of the consumer and Violate 12 CFR 1026.13 the information the are requesting according to their supervisors are. DOB, SSN, ADDRESS. which can all be verified directly with me by providing a copy of a drivers license and or via sworn affidavit. i offered these options however the extortion persisted this is my last attempt before legal action is necessary