davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

XXXX mortgage company, Mr. Cooper is withholding my insurance money for an unjust and unwarranted length of time drawing interest on my money while I am having financial burdens having paid for ALL completed repairs out of pocket. I have provided documentation for the completed repairs multiple times and they keep giving me the run around. I have left multiple prior messages for a supervisor or manager to call me back and have not received one return call. I need my money ( over {$14000.00} due to me ).
Consumer complaint received 2019-07-15
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. (MN)

The following accounts inwhich I'm disputing are not mines and deemed to be fraudulent and I'm demanding that they be removed immediately from my credit file. Please block these accounts, 1 ) US Dept of Education {$3500.00} 2 ) US Dept of Education {$5800.00} 3 ) Dept of ED/XXXX {$4000.00} 4 ) Dept of ED/XXXX {$3500.00}
Consumer complaint received 2018-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After I acquired a copy of my credit report I noticed that there were two accounts listed on them. One was from XXXX XXXX XXXX ( Collections agency ) and the other was From XXXX/XXXX. I discovered they were related in that the XXXX account was closed, and the debt on the account was sold to XXXX XXXX XXXX for collections. I contacted The debt collector and told them that it was not my account on or around XX/XX/2018, they then told me to dispute the account with the Federal Trade Commission and obtain a support document to send to them. I proceeded as instructed, and the collections account was removed from my credit reports. I soon noticed that XXXX and XXXX after many attempts to get the account removed from my credit report with them, and sending the same proof to them as I sent to XXXX XXXX XXXX, after a 30 day investigation they decided it was accurate, and left it in place.
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My loan is serviced by mr. COOPER. I feel I have been overcharged from the mortgage escrow statements. There is a XXXX XXXX dollar balance that makes no sense. When I have called, the representative is too inept and unable to pull up the escrow statement. I have been repeatedly transferred and left on hold indefinitely. A customer service representative, XXXX XXXX emailed the escrow department supervisor, XXXX XXXX to contact me on XX/XX/2019. My escrow analysis has raised my monthly amount but there is a surplus and I can not get anyone to help me resolve this.
Consumer complaint received 2019-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I XXXX XXXX, Is very upset that the credit bureau place negative things on my credit after I had send them my police report and My identify theft report they remove it and place it back on my credit with out my consent. I am very upset I have been getting turn down for credit. I have no knowledge of this debit they are trying to collect on. Please help me. I just don't understand how all three credit bureau take things off my credit and place it back with out me knowing it.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I am concerned about the validity and accuracy of the recent investigation done by Experian.I requested for an investigation because the account XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus 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 please Im TRYING TO BUY A HOUSE
Consumer complaint received 2018-10-30
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. (MS)

I am concerned about the validity and accuracy of the recent investigation done by the Equifax and XXXX..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus 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 please Im TRYING TO BUY A HOUSE
Consumer complaint received 2018-10-30
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. (NV)

I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall ever authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. This is the third time that I tried to resolve this issue with your staff and management team.
Consumer complaint received 2018-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXXXXXX,  XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX, XXXX XXXX XXXXXXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus 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 please Im TRYING TO BUY A HOUSE
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XX/XX/XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I have been having issues with Companies trying to garnish my wages for someone else information appearing on my credit report. Please remove the following addresses they are not mine!! 
XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Today I noticed I have had a recurring charge of {$19.00} each month on my credit card statement from Transunion since XX/XX/18. I did not request any services from transunion. The only email correspondence I have from them is from XX/XX/18 when I requested they unfreeze my account as I was shopping for a mortgage at the time. According to my transunion account online the charges were for account monitoring. I can only assume that they signed me up for this in the fine print of the contract for unfreezing my information. Today I called them to cancel and request a refund. First they tried to sell me the product I had already been paying for, then they told me I could only receive a refund for the latest charge. I asked for the manager who came on the line and without actually saying it told me the only way I could get the refund was to claim it was fraud. Which results in them locking out my information from anyone looking online. Doing that resulted in my getting a complete refund.
Consumer complaint received 2018-10-30
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. (GA)

I have disputed the late payments on XXXX XXXX XXXX accounts for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (FL)

On XXXX XXXX, I purchased kitchen cabinets and counter top from IKEA XXXX, using the IKEA Projekt credit card. This card is financed and handled by Comenity Bank. 
The total purchases were {$690000.00}. and charged to my card. Unfortunately, as IKEA was unable to assist in getting their affiliate to facilitate with permits for our condo, the project had to be canceled and items were promptly returned to IKEA and the refund process initiated. 
On XXXX XXXX, much to my dismay, only a partial refund was made for the cabinets in the amount of {$4900.00}. 
However, IKEA neglected to refund the counter top, which was included in the grand total. Upon realizing this error on their part, I had to be badgering IKEA XXXX to expedite the rest of the refund. After the constant back and forth they finally processed the residual refund on XXXX XXXX for {$2000.00}. 
I was in constant contact with Comenity dispute center to acknowledge and process the residual refund but they refused and is now sending me to collections. 
Please, could you help me as they are mindlessly ignoring me and wont address issues. 
Thanks XXXX XXXX
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

I have been a member of Chase Bank since XXXX without any issues. I started noticing about XXXX of XXXX, my checking, savings and credit card accounts were incorrect. First problem that I reported was a prepaid Chase XXXX card was also on my account.I called Chase and they indicated there was not any transactions. I changed my online password and debit card pin. I noticed fraud on my account again. Credit card and bank account were both charging me for a transaction that I would use on my debit card. I reported it. I closed down my accounts and gave the cards to the VP at the branch. I disputed the charges first on my debit and the fraudulent credit card accounts with their fraud department. I spoke with Chase bank last week and they just now located a XXXX payment that never got applied in XXXX of XXXX plus other payments that I made until XXXX. They indicated I was responsible for the charges on both credit cards which were the same amount and transaction since I made a XXXX payment in XXXX, which I did not. I had already reported the fraud and was only using cash. Chase bank also indicated that they have no record of me speaking with their fraud department which I have letters from that department on the credit card issues and the debit card account plus my savings account. They asked me to send the paperwork but I received the bank statements from them and they can call the chip program to see all the charges. They also told me I couldn't get another credit card and come to find out they reissued another card which I don't have with the same charges. While doing more research I noticed my credit card was hooked up to an XXXX XXXX card which I do not have nor have I ever owed an XXXX XXXX card. I have a retirement accounts there which I was never told about. I am now in the process of researching them to see if any of my retirement accounts have been cashed without my consent.
Consumer complaint received 2019-07-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

On XX/XX/XXXX I called XXXX to have WiFi internet installed into my New York address. I was clear with the sales agent that I did not want to pay for the installation nor equipment, and the sales agent told me they could do that. 

I was not overly thrilled with the service and received XXXX bill from XXXX the following month, which was not paid immediately, so the service was disconnected sometime between XX/XX/XXXX to XXXX, XXXX. I left this address on XX/XX/XXXX aware that I owed XXXX month of service but nothing more. I didnt think they would charge me anything further as the service was deactivated, no longer in use. 

Once I had relocated to my new home in California, I received a call from a debt collector about this bill in XX/XX/XXXX. I didnt understand the charges but I knew the amount for {$300.00} for XXXX days service was incorrect. When I called XXXX they told me they had sent my account to a third party debt collector and it was out of their hands, that they couldnt do anything. I asked to dispute the charges and they said they would contact me back, I never received any call-back or email, nor voicemail. 

Now that Im trying to upgrade my bank account they tell me somethings popping up with my SSN and so I called XXXX in XX/XX/XXXX and was told the charges were for the equipment that I never returned, but I was never informed upfront about any equipment charges nor that I had to return them. I told them again I wanted to dispute the charges and was told somebody would get back to me, but again I never received a call, email or voicemail ( a voicemail I could respond to ). 

I called XXXX today to discuss the disputed charges and was told I should have known to cancel my account after they had already deactivated it, and that I should know to return the equipment and that I should know I will get charged for them. Not when I was told on XX/XX/XXXX that the equipment was no charge upfront and that I would not be charged. XXXX can not provide me with the exact dates my service was active, and say they did not cancel my account until XX/XX/XXXX, which is XXXX months after they deactivated my service. 

I told XXXX that I believe I am liable to pay for the XXXX days the Internet was active, but not for the other charges that I did not agree to nor were unaware of, nor that they would charge me these extra charges at a later date. XXXX tell me they only added the charges onto my account in once they cancelled it! And then failed to inform me of this information, I found out through their third party debt collector, IC Systems. Obviously, Im not going to pay the debt collector, nor any XXXX bill, until Ive resolved these charges that I never agreed to.
Consumer complaint received 2019-07-15
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have complained about these account before and I never received any correspondence. please verify the following account or delete them XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be re-investigated or deleted from my credit record within 30 days. i have been patient and it has been long than 30 days and I still have not heard back anything! If it is determined through your investigation that the disputed items are inaccurate, please update my creditfile and send me notification that the information has been updated or deleted. According to the provisions of 612 [ 15 USC .1681j ], there should be no fees and I need this asap.
Consumer complaint received 2018-10-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Second complaint - not a duplicate : I am a customer of Bank of America and have two checking accounts with them. On the last several days, Bank of America has been delaying transactions and posting them several days after the transaction was processed. On XX/XX/2018 Bank of America accessed a late fee of {$35.00} to one of my accounts for overdrafts fees when my account was never overdrafted. Yesterday ( XX/XX/18 ), I had an available balance of {$9.00} and I transferred those funds to my second Bank of America account. Today Bank of America posted another overdraft fee in the amount of {$35.00} to my account for {$35.00} and a transaction from XX/XX/18 was posted to my account in the amount of {$9.00}. 
Bank of America has been using the tactics of holding transactions longer than usual and showing funds as available balance online without the holding or processing transactions and accessing excessive fees to accounts. They are not taking responsibility on their glitch or predator tactics. I have been a victim of those tactics and unable to have those fees refunded by representatives. Today I spoke with XXXX and she refused to transfer me to a supervisor and also refused to reverse the {$35.00} fee. In five days I have been charged {$70.00} in overdraft fees by Bank of America.
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (TX)

Good afternoon, I received a call from two phone numbers today. First, XXXX, stating her name as XXXX and that I was on her list for being served in the next two days. She left me a number to call back, XXXX. When I did, I spoke with someone named XXXX, XXXX, I couldn't quite understand her name. She had my full social security number, full name, and stated I owed over {$3000.00} to US Bank and that I would be served, sued, and even possible jail time in the next two days. She also  mentioned that the previous call from " XXXX '' shouldn't have happened and it must be her " first day on the job as we were not supposed to hear from her, it was just supposed to be a surprise when my paperwork showed up. '' What?? Not my kind of surprise. I haven't held an account with US Bank in close to 7-10 years. I do not have any delinquent accounts with this company. When I asked her to state her name and place of business again, she claimed she worked for XXXX? And that they barely make any money off small accounts like mine, it was mostly big real estate deals, and then she said she would see me in court and hung up. I am concerned because of the information she had about me. This is just ludicrous.
Consumer complaint received 2019-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have complained about these account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be re-investigated or deleted from my credit record within 30 days. i have been patient and it has been long than 30 days and I still have not heard back anything! If it is determined through your investigation that the disputed items are inaccurate, please update my creditfile and send me notification that the information has been updated or deleted. According to the provisions of 612 [ 15 USC .1681j ], there should be no fees and I need this asap.
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation (TX)

Never received any notification of my home foreclosure. The dates that it happened I was thrown in XXXX on bogus charges. I have never been in XXXX before. Then my mail was stopped and not by me. The only forclosure I did get was from the new owners which they signed in XX/XX/2018 the letter indicating I have to be out by XX/XX/2018. The new owners indicated that if I want to stay to pack I would have to sign a lease and give them XXXX XXXX I lost my job, I tried to claim unemployment it was approved but never received any money. I tried several times to get it. I am now a victim of identity theft which I have filed a complaint. If I had XXXX I would of been paying my mortgage instead.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

We are closing on our first home XX/XX/XXXX. Today, XX/XX/XXXX, two different mortgage lenders tried to pull my equifax credit report but were unable to. After a bit of research online, others have experienced this same issue and couldn't get it fixed through equifax but could get it fixed through submitting a complaint. 
I am set up to receive an alert from turbo tax once my credit is pulled and received notifications for both instances however the creditors were unable to get a report. 
I signed up with equifax just to check to make sure I didn't have a freeze and I do not. Running out of ideas and need to get this fixed asap. Thanks!