davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (CA)

EOS CCA is aggressively attempting to collect debt for XXXX XXXX for the collection balance that was resolved and paid to XXXX back in 2015. This account is not valid, null, and is in violation of FCRA and violation of statutes of limitations allowing collectors to report to CRAs. I contacted EOS CCA to inform that XXXX stated in wring this account was satisfied in full and they DON'T contract EOS as a collector for their company .... EOS CCA collected all my personal information and now aggressively attempting to collect on the debt NOT owed and on the debt they have NO LEGAL right to ... They changed open date on credit reports 3 times now this should also be violation of FCRA
Consumer complaint received 2020-05-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (TX)

In XXXX of XXXX, I decided to refinance my 30 year loan to a 15 year loan at an APR of 4.375 % using XXXX XXXX. In XXXX of XXXX the loan was sold to Mr Cooper. 

In XXXX of XXXX, I decided to refinance my loan with XXXX XXXX lowering my rate to 3.125 %. XXXX XXXX was used to handle the escrow and title components. According to representatives from XXXX XXXX, a loan payoff amount of {$99.00}, XXXX was given to them by Mr Cooper which was valid until XX/XX/XXXX. 

The loan was a Heloc type, so all the documents were signed on XX/XX/XXXX then after the full 3 day wait period the remainder of the documents were submitted on XX/XX/XXXX and the loan was funded on XX/XX/XXXX at around XXXX XXXX. 

Mr Cooper acknowledged receipt of the {$99.00}, XXXX amount on Friday XX/XX/XXXX ; however, they moved the money into an unapplied funds category and refused to payoff the loan claiming there was a deficiency of {$210.00} in the escrow account. As it turns out, Mr Cooper disbursed the homeowners insurance on XX/XX/XXXX but did not contact the homeowner nor the title company about a deficiency created by this action. 

Also, by not applying the {$99.00}, XXXX on XX/XX/XXXX, Mr Cooper then claimed I didn't make a monthly house payment so they charged an extra {$41.00} late penalty along with extra interest accrued although the payoff amount was good until XX/XX/XXXX. On top of that, Mr Cooper also paid out {$83.00} to XXXX XXXX XXXX on XX/XX/XXXX as part of the mortgage insurance when the loan should have been paid off. 

I contacted Mr Cooper on XX/XX/XXXX after I noticed that the loan had not been payed off. Per their website, they were indicating they would return the {$99000.00} back to XXXX XXXX by XX/XX/XXXX. The representative from Mr Cooper claimed they tried to contact the title company XXXX on Friday without any success. Another Mr Cooper agent on XX/XX/XXXX claimed they didn't try to contact XXXX   until XX/XX/XXXX which happened to be when I contacted Mr Cooper. 

I personally paid the amount of {$220.00} claimed by Mr Cooper that was needed to close the loan on XX/XX/XXXX via an electronic transfer ; however, when speaking to a Mr Cooper representative on XX/XX/XXXX, they said they would not close the loan until the transfer posts from my bank even though Mr Cooper submitted a receipt of payment to me on XX/XX/XXXX. 

I know this can be handled differently. I have a friend that just refinanced under the same situation where there was a deficiency in the payoff ; however, the bank that held the loan closed it then sent a bill for the remaining difference. 

Based on Mr Coopers poor reputation ( just check the CFPB database ) and after speaking to 4 different Mr Cooper representatives, I have very little confidence in this issue being settled appropriately and timely.
Consumer complaint received 2020-07-12
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)

My XXXX flights ( XXXX and XXXX ) were canceled on XX/XX/XXXX. In the cancelation email, it stated that I was entitled to a full refund or a credit. I tried to follow the steps on their website to get a refund, but their system repeatedly told me my flight number was wrong. I tried to reach out to them through their chat many times and never was able to contact them. I went to XXXX  Barclays and disputed the charge. The amount owed to me is {$190.00}. I was given a provisional credit that was taken back. On XX/XX/XXXX, I received an email from XXXX saying they gave a credit. This is why Barclays took the money back from me. I told them multiple times that I wanted a refund and was entitled to one. I was then instructed by XXXX Barclays to provide additional information in the next 10 days, to keep the dispute open. I sent them a fax with all the information on XX/XX/XXXX and still have got my money back. It became a manager case number, but have not heard anything from them since I missed a call from a manager. I tried to call back but didn't reach anyone. Their customer service is horrible and the agents on the phone can't give you any information to help you get your money back. This dispute has been going on for way too long and Barclays needs to step up and help people who are affected by Covid-19 get their money back.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

To whom it may concern, My name is XXXX XXXX and my loan number is XXXX. XXXX XXXXXXXX XXXX is reporting a 30-day late on my credit report. This needs to be removed. During the RESPA period with XXXX XXXX, I was never contacted or advised that my servicing was transferred to them. I continued making my payments to my previous servicer without any issue until finally one was returned to me. I have made all payments to date on my mortgage. I should not be responsible for the lack of communication from the new servicer.

I request that the 30-day late be removed from all 3 bureaus as a courtesy by XXXX XXXX XXXX
Consumer complaint received 2020-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: KEYCORP (OH)

On XX/XX/XXXX, I called my local branch of Key Bank to inquire about doing a wire transfer. We set up an appointment the next day. We went into the bank and did the wire transfer with the branch manager. NOT ONCE, on the phone or in person did he mention a fee. Had he told me I would be charged {$30.00}, I would have done a cashier 's check!!! 

I chatted online with KeyBank and called their 800 number and both told me I had to talk to the branch. 

So I called up XXXX, the branch manager we worked with, and he was flippant and unapologetic about not mentioning the fee and refuses to refund it. He also wouldn't let me escalate it or even discuss a refund. 

I don't think it's fair to be charged a fee when I wasn't notified in advance. I would have done the cashier 's check instead. It wouldn't have cost me {$30.00}!!
Consumer complaint received 2020-05-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Assoc LLC has the same account with different amounts. I have offered to settle with this company for a XXXX XXXX credit card I had some years ago. Now that I made that offer the company has two account ref # XXXX {$610.00} and ref # XXXX {$630.00}. Both of these are the same account yet Portfolio is reporting this as two separate debts to all three credit bureau. They seem to be breaking the law and working against what I am trying to do with my life.
Consumer complaint received 2023-01-26
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: Experian Information Solutions Inc. (CA)

I previously disputed XXXX XXXX account ( XXXX ) due to identity theft and submitted supporting documentation and an Identity Theft affidavit. An investigation was conducted resulting in both disputed accounts being deleted. However, the XXXX XXXX account XXXX has been reinserted into my credit report. I was never notified by Experian as required by FCRA 611 Procedures in case on disputed accuracy [ 15 U.S.C. 1681i ] ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information.
Consumer complaint received 2023-01-26
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. (MI)

To whom it may concern, My name is XXXX XXXX and my loan number is XXXX. XXXX XXXX Bank is reporting a 30-day late on my credit report. This needs to be removed. During the RESPA period with XXXX XXXX, I was never contacted or advised that my servicing was transferred to them. I continued making my payments to my previous servicer without any issue until finally one was returned to me. I have made all payments to date on my mortgage. I should not be responsible for the lack of communication from the new servicer.

I request that the 30-day late be removed from all 3 bureaus as a courtesy by XXXX XXXX XXXX
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

To whom it may concern, My name is XXXX XXXX and my loan number is XXXX. XXXX XXXX Bank is reporting a 30-day late on my credit report. This needs to be removed. During the RESPA period with XXXX XXXX, I was never contacted or advised that my servicing was transferred to them. I continued making my payments to my previous servicer without any issue until finally one was returned to me. I have made all payments to date on my mortgage. I should not be responsible for the lack of communication from the new servicer.

I request that the 30-day late be removed from all 3 bureaus as a courtesy by XXXX XXXX XXXX
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OH)

I received my first call from " XXXX '' today XX/XX/XXXX, from " XXXX '' who left a vague but compliant voicemail. I called the number back at XXXX XXXX  and a woman whose name I can't recall, attempted to transfer me to " XXXX XXXX. I asked specifically, " what is your field of business '' and was only advised, " We're 'Genesis '. We handle a range of business ''. During my transfer to " XXXX '', the representative D-Something, disconnected the call on me. I called back at XXXX XXXX  and spoke with XXXX or XXXX or something like that. I informed her to remove my reference, despite not knowing how they even FOUND a reference. She did not acknowledge that that number would be removed. I also informed her, that I would not be paying the debt as I don't feel compelled to pay debt to a XXXX  of an apartment community who I had nothing but noted issues with. She asked me multiple times to confirm I would like it documented as a " refusal to pay ''. I informed her that's fine. I then instructed her to mark my numbers has XXXX after she threatened me with continued collection efforts. Upon that remark, I made it clear the debt would not be getting paid and she ended the call by saying, " they will be paid '' and under the CFPB guidelines, that's enough to count as harassment as well as threatening collection tactics. Also, she did not give me the XXXX prior to disclosing the nature of the call. I called back and spoke with a supervisor, again, I don't remember his name and he was apologetic and confirmed the numbers had been removed. I informed him that the complaint would be filed as they have violated several guidelines and as a consumer and debt collector of 9 years, I'm very familiar with the collection laws. I also received notice from a " reference '' that when they were called, " XXXX '' refused to identify themselves upon multiple requests for the company information and when the " reference '' instructed that their number be removed, the agent specifically told them " no '' and that the number would remain on file. I informed the supervisor of timestamps for the calls for reference to these violations. Prior to today, XX/XX/XXXX, I have not been in communication with " XXXX ''. I had no details informing me of who they were or to be expecting their call. This balance is certainly not worth the legal action I am very much so willing to take fir not XXXX or XXXX, but multiple violations and I truly hope they take the loss on my {$400.00} rather than having to pay out a nice chunk of hush money.
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MS)

On XX/XX/XXXX, I purchased a XXXX XXXX from the XXXX XXXX XXXX located in XXXX and a full coverage insurance policy via XXXX XXXX Insurance was offered to me by the XXXX XXXX  at my time of signing. I advised the finance XXXX that I did not wish to continue with XXXX XXXX XXXX after being advised on the cost of the insurance and was told that the policy was cancelled effective XXXX hrs after my request. With no further communication via writing or any other communicative method I was then notified by my credit monitoring monthly service In XXXX of this year, XXXX that a collection had been added to my credit report in the amount of XXXX via Credit Collection Services. I then contacted CCS as the listed debt collection agency and was advised that this debt collection was on behalf of XXXX XXXX XXXX. I then contacted XXXXXXXX XXXX XXXX and was advised that there is no cancellation fee for cancellations within 24 hours, however my request to cancel effective immediately was not honored by the finance department and instead I was charged inadvertently for this amount and then without notice or advisement it was placed on my credit in violation of FCRA 15 U.S.C.1681 Sec.3 and FCRA Section 615 ( b ) ( 2 ). I have exhausted all methods of resolution efforts available to me at this time and am now officially filing a complaint with the CFPB to address this issue as this disparaging information is causing me mental anguish, emotional distress, and economic hardship.
Consumer complaint received 2023-01-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-26
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. (FL)

I received a copy of my credit report and noticed a company I had no dealing with. This company XXXX XXXX XXXX  XXXX - I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Please delete this account immediately
Consumer complaint received 2023-01-26
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. (CA)

To whom it may concern, My identity was stolen and used in order to get credit cards/loans and make fraudulent charges. Accordingly fraudulent hard inquiries have appeared on my credit report. I contacted the lenders and cancelled all the accounts that could be approved. After that I contacted TransUnion Bureau in order to delete these fraudulent hard inquiries and accounts, so they asked me to send them a letter requests and gave me my file number. I have submitted an FTC report and sent to TransUnion, but never had a response and that inquiries are still appearing on my credit. 

List of fraudulent inquiries : 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 2023-01-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent this company a dispute letter on XX/XX/2022, but I haven't got any response from them nor have they updated my report. I am well aware that the FCRA are requiring the CRA 's response within 30 days so this time I am seeking help from CFPB, XXXX  and the Office of the Atty General.
Consumer complaint received 2023-01-26
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. (NJ)

This inquiry is on my credit report. I am suspicious of this inquiry. # 1 I don't recognize it. I contacted Equifax about this inquiry. They said this company ( XXXX XXXX ) does not have a valid contact number. They said they have a number listed as XXXX. I want to know how and why this inquiry got on my report. The credit bureau needs to remove it since it is sort of obvious there might be some sort of fraud involved. I want to see proof that I gave consent for this inquiry on my report. This needs to be removed if the proof is not provided. These inquiries affect the consumer 's credit report. Therefore, we take matters like this very seriously! We can file lawsuit and possibly win in courts where the credit bureau or creditor will have to pay additional fees for the false inquiry on the consumer 's credit report.
Consumer complaint received 2023-01-24
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)

This is XXXX XXXX, and I am submittign this CFPB Complaint you today to inform you I that I am a victim of identity theft. I researched on how to remove the fraudulent accounts ad information from 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 any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which 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 XXXXXXXX Balance : {$15000.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} 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 XXXXXX/XX/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 an identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Account was open to deposit my college funds in. As I moved to a small town in XXXX XXXX  and XXXX XXXX  was in XXXX XXXX XXXX there wasn't a wells Fargo near me .they would over charge me on everything to use my card. And when money was stolen and not authorized, they allowed it to happen without fixing it thus happened in XXXX to XXXX
Consumer complaint received 2023-01-23
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. (AR)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXXXXXX Balance : {$370.00} XXXX XXXXXXXX Balance : {$250.00}