davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper gave out personal information regarding my account without my approval. After this was shared with me by a Mr. Cooper representative I have continually called and asked for the fax that was used to request my payoff and what they provided. 

THIS IS IN VIOLATION OF MY RIGHTS AS CLIENT TO NOT HAVE MY PERSONAL INFORMATION PROVIDED TO UNKNOWN INDIVIDUALS. 

The week of XX/XX/XXXX a Mr. Cooper rep told me they had an inquiry about my payoff balance as of XX/XX/XXXX and asked if I was going through a refinance, I am not. 

Since that week I have called several times trying to get a copy of the request and what they responded with. NO one knows and no one will call me back, they continue to say they can not find the request. 

Initially, the rep scheduled a time where she was going to have a supervisor call me back XXXX she scheduled the call back a week from the day I talked to her ). No call!!! 

I then called back again and requested to speak to a Supervisor. They put me in touch with XXXX XXXX, ( XXXX ) XXXX, who was to call me back on XXXX after filing a Fraud report with Mr. Cooper XXXX this was a week after I talked to her - that gave her enough time to do the filing and find the paperwork I am asking for ). Needless to say, no call. I left her a message and again no response. 

This company is suppose to be documenting their interactions with the client ( me ) but when I call it is rare that they have documented the prior conversation, issue, etc. so it is like starting all over again, This is personal, private information they gave out. XXXX said they respond to these requests based on the account number ... how this person got the account number I don't know and it concerning. They said it was XXXX XXXX title company 's number on the fax. I called that number and listened to a recording say 'Hi This is XXXX and XXXX XXXX we're not home right now ', no company. 

Where do I go from here to ensure I get a copy of the request, what they sent and ensure this DOES NOT happen again. 

Thank you for your assistance.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (WA)

Hi, I opened the Netspend card account in approximately XX/XX/2020. I have been using it to receive my unemployment money every month ever since. Suddenly, on XXXX XXXX ; I could not access my unemployment benefits. I called and Netspend Customer service and they told me that I suddenly had to " verify '' my account. When I asked them why, they told me that they " looked '' me up and that the phone number that I had always used on my account belonged to someone else ( my brother ). I did not give them permission to dig in personal business and check the ownership of my cell phone to verify my account suddenly. They claimed that I " never gave them documents '' when I opened the account. I am certain that isn't true. Also, they do not have a secure link for me to upload the personal documents that they demanded from me. I am concerned about identity theft, now. I allowed them to bully me into emailing them my social card and state photo ID via email. I emailed these documents to them on approximately XX/XX/2020 and they promised to fix my account so that I could access my unemployment funds and they still haven't. I need my funds and I would like for the recorded calls and emails to be reviewed. The company appears to be uncouth. I feel that it was wrong to deny me access to my funds and for so long. I also feel that my privacy was violated twice. When they " investigated '' my phone number without my permission and when they demanded documents from me out of nowhere. 
Please assist as soon as you're able. 

Thank you, XXXX XXXX
Consumer complaint received 2019-05-16
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: USI Solutions Inc. (TX)

on XX/XX/XXXX the USI solution called me and the man told me I had an outstanding debt. My secretary answred phone and was told to contact me she said i was in meeting and he told her very rude remarks. how she is the worst secretary and how unprofessional and it really offended her. there were prior calls to this and he told me that i owed a debt i told him to show me and he says it was year ago and he dont have all the detail and i told him then why is it not on my credit bureau  and he said well i dont know but you owe it and he says i can tell you what bank account it was linked too and i said ok tell me and he comes back on the phone and says oh i cant find it but if you send so much money we will close the account and you owe nothing. i told him i need more inforamtion and send me an email of my account and company and balnce and he said ok and never send nothing and was very rude and saying you owe this. I feel this was fraud and not true. they have been calling like everyday.
Consumer complaint received 2020-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: M&T BANK CORPORATION (VA)

on friday XXXX XX/XX/2020 when i woke up so i got a message from my bank stating that your balance is below certain amount and that is valid as i set notification request for that but when i checked my account balance so someone has transferred certain amount from my account using XXXX without my consent so at once i went to my bank branch so they said its an online matter so we can not deal with that they gave me phone number for online matters to be dealt with so i called them they there was one lady she said your device is compromised so you need to clean your device and close your old account and open new account so i did and she said in the mean while bank will give you provisional credit of the amount which you lose and bank team will conduct investigation and check i said ok. 
next day when i went back branch with my new phone as according to them someone hacked my phone so the manager was saying that i am calling them but they are not picking phone to remove block from my online account and i told her that i am waiting she tried again so after some time she removed block. Today when i called online banking to know the status so she said your dispute is closed and request denied for provisional credit so i said when i have not done any transaction so this is the banks responsibility to reimburse me for my loss but she said transfer is from trusted device and thats all and i am asking them for the details of the account to which money is transferred so they are saying there is a block on account we can not see details i am so confused what to doo now as its my hard earned income and bank is not taking responsibility and with that i tried to inform cops so cops said we are not technology person and your bank can help you in this matter so please help me i can provide all the details to my knowledge i want my money back
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I have a Citibank AAdvantage gold card that the citibank just arbitrarily switched to another account. My present card was declined yesterday and when I called citibank to discuss this entering the last 4 numbers of my card, they could not find my present account. I have many accounts that are payed automatically and this is a real pain to have to switch payment info, one of which is my supplemental policy for medicare. When I ask why the card was switched, I was told that it was done automatically which I did not want done. When I ask for the telephone number of XXXX XXXX, chief risk officer, I was told it was restricted. The new card is being overnighted to me ( have not received as yet ). This is a TERRIBLE practice costing me time and considerable angst. I feel abused as a customer and want Citibank to not do this in the future.
Consumer complaint received 2023-07-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon retrieving my credit report to my surprise I noticed an inaccuracy. It was a COLLECTION account XXXX  acct # XXXX reporting that NOT ONLY AS AN OPEN STATUS, BUT ALSO A PAST DUE AMOUNT of {$1400.00}. Not accurate According to the FCRA I have the right to an accurate credit report. I sent a certified letter to Trans Union about this on XX/XX/XXXX which they received on XX/XX/XXXX and asked them to remove this item due to inaccurate reporting ( a collection account cant have an open status and a past due amount reporting On my credit file. I received an updated response by Trans Union stating the account is verified and updated *balance, *past due, *date updated, date closed. None of which addressed my concerns : TransUnion commented consumer dispute a change was updated ( Based on my dispute ) which was not. I am attaching the letter and their report reflecting open, past due and collection account as well as the certified mail receipt. Additionally I noticed this item reporting a ( loan type ) on my report which I have no loan or entered into any contract with this also is in accurate. My initial letter to TransUnion addressed the above concerns on XX/XX/XXXX However they previously sent on XX/XX/XXXX these changes and since I sent the new letter XX/XX/XXXX they mentioned my disputed info was addressed and wasnt. They sent a new updated response on XX/XX/XXXX stating that changes made and my concerns were still not addressed. No changes Im attaching both letters sent to me from TransUnion where they reflect the same results when it said it was changed. 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 an account without my written instructions.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (PA)

I receive benefits from Pennsylvania department of labor. 
Since the beginning I can not register and login on their web page I try for 5 weeks. 
They have 2 tolls-free number and neither one is working. 

I could not have a statement, balance, nothing! I just know by test message that I receive some money on the card. that's The service bank is US BANK Are they bankrupt? What is there problem??
Consumer complaint received 2020-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (WI)

I've never done any business with this company. I never signed a contract with this company. No one has any permission from me saying that I agreed to do any business with them either. Therefore, I want this item deleted from my credit report immediately. 

Thank you,
Consumer complaint received 2019-02-21
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. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-07-28
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 — Their investigation did not fix an error on your report
Company: Tally Technologies (OH)

Please note this is not a debt validation request. This is a request to be removed from credit reporting according to the consumer laws noted.

( 15 USC 1681 ) According to the U s consumer laws I have a right to privacy.

I request for all of the disputed accounts to Cease Desist credit reporting.

I repeat, I invoke my privacy under the consumer laws to cease credit reporting on the disputed accounts.
Consumer complaint received 2019-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C. (AZ)

The case was taken to mediation on XX/XX/XXXX and Defendant failed to appear. The case was dismissed per mediators. The Defendant hired another attorney who petitioned the courst several times for judgement. 

The courts original dismissal granted on or about XX/XX/XXXX entered in mediation by which defendant representative failed to appear at the mediation hearing on or about XX/XX/XXXX at which the plaintiff did appear in good faith with intent to mediate. The court sent a notice of dismissal of law suit to defendants and its counsel on or about XX/XX/XXXX. 

The court denied defendants motion for summary judgement on or about XX/XX/XXXX, and the courts second notice of dismissal to the defendants and its counsel on or about XX/XX/XXXX. On XX/XX/XXXX somehow the legal firm was able to overturn the dismissal without my ability to defend or have the court stand by its original mediation dismissal.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (MA)

Dear Sir/Madam, I was sued by XXXX XXXX XXXX XXXX XXXX ( XXXX ) sometime in XX/XX/XXXX. The entity claimed they owned my private student loans. However, they did not have the proper documentation to prove this. In XX/XX/XXXX, XXXX decided to dismiss the case against me with prejudice and drafted a Release and Settlement agreement. XXXX refused to accept my redlined changes and the document was never executed. XXXX District Court ended up disposing of the case for statistical purposes which means in other words the case was dropped. As a result of XXXX  meritless claims my credit score has been negatively affected. I am unable to get a loan for much needed home repairs as I had a basement flooding recently. I know that it is a violation of CFPB policy for an entity to submit false information to the credit bureaus in order to collect. In XX/XX/XXXX, CFPB have filed a consent order against XXXX  and Transworld Systems ( TSI ) and this was one of the reasons. I know I can not be the only individual who has filed a complaint against XXXX in this regard. Please have XXXX remove all negative collections, trade lines and amounts from my credit report. They have no right to continue to impact my credit score when they have no legal standing. I have filed complaints with the Credit Bureaus but they are unable to conduct a proper investigation. CFPB needs to intervene and request that XXXX   and TSI remove all trade lines, negative collection amounts from my credit report immediately.
Consumer complaint received 2020-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

In XX/XX/16 there were a total of XXXX unauthorized transactions on my account. Two purchases totalling in {$570.00} and 5 atm withdrawals totalling in {$1100.00}. As I was away on a business trip, I called Citibank as soon as I return and made them aware of the unauthorized transactions they didn't process my claim separately I was returned the {$570.00} immediately however the {$1100.00} they refused to return to my account despite that fact that all these charges happen at the same time they chose to approve some and deny others, it's now been two months of me calling the bank providing police reports and speaking to agent however Citibank refuses to Simply look at their cameras at their own branches and see that I am not the one who made these purchases. Due to the ongoing pandemic I have been out of work for 2 months and now my account is in the negative because Citibank has taken away their temporary credit
Consumer complaint received 2019-02-20
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: Williams & Fudge, Inc (GA)

XXXX XXXX XXXX XXXX {$140.00} There is no contract, no valid claim ... account was settled with original creditor by insurance carrier and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2023-07-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MN)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-12-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: ALLY FINANCIAL INC. (CA)

I have an active car loan with Ally Financial. I need to get copies of my statements from 2019 and the company said there can only provide statements from the last 6 months. This is unacceptable and I should be able to have access to any records regarding my active account.
Consumer complaint received 2023-07-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WI)

For a Chase Sapphire Reserve credit card : XX/XX/XXXX : I attempt ( multiple times and with multiple hotels ) to book a hotel in XXXX using Chase Travel 's online portal for the weekend of XX/XX/XXXX. All attempts result in messages that the offer is no longer available, but it will let me try to book the same offer again. I call Chase travel, and they are receiving the same error on their end. I escalate to tier 2 support, who is also unable to book. Tier 2 offers me XXXX points and recommends I try again the next day. Points are promised to hit my account within 72 hours. 

XX/XX/XXXX : I try again online with the same results. I call again, and get to tier 3 tech support who has the same issue and claims to put a ticket in to have me alerted when the system is working. 

XX/XX/XXXX : I try again online with the same results. I call again with the agents having the same issue. I am promised XXXX points for my trouble by tier 3 support ( to hit the rewards account within 72 hours ), and that there will be an offer to cover the extra cost of being unable to use points. I book a hotel externally to Chase Travel ( meaning I am unable to use my points ). 

XX/XX/XXXX : No points have hit my account. I call Chase Travel, where a tier 3 support promises they will be resubmitted and hit my account within 72 hours. 

XX/XX/XXXX : No points have hit my account. I call Chase Travel and Chase Cardmember Services. Cardmember services is unable to help. Chase Travel offers to look in to the issue and get back to me. ( Email text below ) XX/XX/XXXX : No points have hit my account nor have I had any correspondence from Chase Travel. I call Chase Travel.  They claim they have not yet looked into my issue due to holiday jams. 

Email received from XXXX on XX/XX/XXXX : I am writing regarding your XXXX points that was promised by the previous agents. 

We will follow up on the call id recording that you provided that requires us to listen for further investigation in order for us to process your request. Once we found out that your promised points has not been processed yet we would be sending you an email immediately or you will receive a call back from us immediately for us to complete your request. We apologize for any inconvenience you've experienced. 

If you have any questions, please don't hesitate to contact us by dialing XXXX and requesting a supervisor. Were available 24 hours a day, 7 days a week.
Consumer complaint received 2021-04-05
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. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.