davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/XXXX a payment was made XXXX {$150.00} cleared my account however not credited towards debt. 
XX/XX/XXXX I was made aware of the past due account and that XX/XX/XXXX payment had not been received. Spoke to collection group who was dismissive and stated it was my responsibility to reach out to customer service to resolve missing payment. Contacted customer service same day and after XXXX minutes of waiting on hold I hung up. Then submitted online billing dispute form reference # XXXX - to date XXXX resolution. Same day XX/XX/XXXX called customer service number provided remained on hold for just at XXXX minutes before being disconnected. 
From XXXX through XX/XX/XXXX there were a total of 6 calls to customer service and not once was I am able to speak to a customer service representative. 
On XX/XX/XXXX I logged on and submitted by first of five online messages through the TD Bank portal describing my issue and providing proof. Each submission was " resolved '' according to TD Bank within XXXX hours. I have since been blocked from access to my account online. And the only way to reset access is through the XXXX customer service line that no one answers. 
I finally submitted a written notice to them of the error on my account within my 60 day window on XX/XX/XXXX. I provided proof and a description of the issue. On XX/XX/XXXX they responded that they were still investigating. On XX/XX/XXXX almost 120 days after my letter and over 180 days from when my payment was made, I was notified they were unable to locate the payment. They continued to point out almost sarcastically, " Futhermore, due to short payment, a late fee totaling XXXX was assessed ... ''. They further stated it was my issue and if I still felt an error, I needed to provide further proof. At this point I am submitting a tracing of the funds although I doubt this will resolve the issue.
Consumer complaint received 2021-04-16
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: CITIBANK, N.A. (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2021-04-16
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: CITIBANK, N.A. (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2021-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (PR)

I had an alarm service contract with XXXX in XXXX XXXX. They used XXXX  to provide the service. In XXXX I stop receiving the service. When I called XXXX  I found out they changed names to XXXX XXXX XXXX. I told them about the problem and they were not able to find my account. They found an old one ( many years back ), but never my current one. 
Since I was not receiving the service for about 8 months already and my account was no where to be found in order to cancel it, I asked the back to stop making the automatic payments. When the bank did so, XXXX XXXX contact me and told me I owed them that money that the bank didn't pay at my request. I told them about the situation and they said that i need to cancel in writing ( by email ) but first I had to pay everything I owed ( {$76.00} ). I paid the requested amount on XX/XX/XXXX. I then send the cancellation email and XXXX XXXX responded that the written cancelation was received. The account was then cancelled. 
Several months later I see that I have a collection agency, Mountain Run Solutions, impacting my credit report with charging me {$330.00} from XXXX XXXX. When I called they said that I didn't cancel in writing. My bank was making the automatic payments until the end. I payed what was requested from XXXX XXXX to settle my account and cancelled it. 
I have called XXXX, XXXX XXXX and Mountain Run Solutions ( the collection agency ) and non of them can help me they say. I am contacting CFPB, since I don't think this is a legal practice. I looked online and there are a lot of people just like me that this appeared on their credit without any notification first. 
Neither XXXX XXXX, XXXX, XXXX nor Mountain Run Solutions sent me any invoice of notification of charges before impacting my credit negatively. To me this is not fair nor legal.
Consumer complaint received 2021-04-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2021-04-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

On XX/XX/XXXX I contacted our mortgage lender ( Mr. Cooper ) to initiate the process of having our PMI removed. Their PMI representative walked me through the process and I submitted all required documentation ( recent appraisal report, receipts of upgrades made, etc ). They responded back with an automated message that I would receive an update on my submission within 5 business days. 3 months later after NOT receiving a response or even an update, I called their customer service again on XX/XX/XXXX and was told they didnt think I was eligible to apply for PMI removal until XX/XX/XXXX. Their messaging and communication has been unclear and they are refusing to remove my PMI fee from my mortgage even after submitting all required documentation. The PMI fee is also NOT disclosed on the monthly statement and theres no available information regarding the fee within my customer account, which seems deceptive especially after unclear communication on the PMI removal process.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (WA)

I have had a US Bank account, of some kind, for more than 40 years. I have been satisfied with their service, until I received a deceptive offer to apply for a credit line limit increase. 

A couple weeks ago, I received a pre-approved credit line increase and was provided a special pre-approval code. My credit score, according to US Bank last week, is XXXX and remains unchanged. 

After deceptively enticing me to apply for this pre-approved offer, US Bank did a hard pull of my credit and then declined the pre-approved offer, even though my credit score remained unchanged at XXXX. 

Now, my credit score has, in fact, been damaged by US Banks intentional deception. This review has been submitted to the CFPB, the XXXX, and the Washington State Attorney General Office.
Consumer complaint received 2021-04-06
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. (IL)

TransUnion is continually reporting INACCURATE / FALSE information on my credit profile, which is affecting my ability to obtain credit. 

I've sent Transunion a FEW letters, Certified mail with return receipt, regarding the INACCURATE account by XXXX XXXX COMPANY, TransUnion initially received my dispute and claimed the inaccurate account / information was " verified. '' When I mailed them ANOTHER letter asking them for their Method of Verification, which is my right to know, they ignored my request, and stated that " they had previously verified the account, and didn't have to reinvestigate the account. '' So, I sent ANOTHER letter disputing the inaccurate account, and it's been OVER 30 days and I haven't received ANY correspondence regarding my dispute of the negative, INACCURATE account, nor has this INACCURATE information been removed from my credit report! It's unfair that, during these times, especially, that companies are ignoring consumers, and not upholding Federal Law nor protecting consumers!
Consumer complaint received 2021-04-04
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: EQUIFAX, INC. (NY)

1 ) Seven days ago, I signed for EQUFAX free 7 days trial, and then $ XXXX/m. 
2 ) I looked my EQUIFAX credit report XX/XX/XXXX and was NOT SATISFIED WITH THE EQUIFAX CREDIT REPORTS AS THESE REPORTS DID NOT GIVE AN ACCESS TO XXXX  AND XXXX CREDIT REPORTS, JUST THE SCORES. 
3 ) I canceled MY EQUIFAX SERVICE IMMEDIATELY, thus Equifax charged me today ( 7 days later ) {$19.00}.

4 ) I called the Equifax customer servise at ( XXXX ) XXXX at XXXX XXXX on XX/XX/2022 and spoke with the Equifax representative XXXX : XXXX. I requested a refund and ask why the service was continued as I canceled it 7 days ago. 
5 ) XXXX XXXX told me '' he needs to get into my credit report '', asked me all PERSONAL IDENTITY QUESTIONS for verification purpose. 
6 ) Then, XXXX XXXX continued to verify me, and sent me the following link, REQUESTING FROM ME TO SNAPSHOT MY DRIVER LICENSE : https : //document-verification-ifs-ca.us.equifax.com/error? fbclid=IwAR1BwYSkplOeMflZ2eOUFRAIEGZKhs9Jthf2lJnuFdGbIlRkke7abDMG6TM. 
7 ) While on the phone with XXXX XXXX, I snap-shoot my ID, THEN THE PHOTO SNAPSHOT OF MY ID suddently DISAPPEARED! I became very nervous not knowing where is the copy of my ID and if it was transmitted over the PHONE anywhere ; I told XXXX that this is very complicated and scary, and I should not be put into situation to do complicated verification of my self,. 8 ) JUST CANCEL MY SUBSCRIPTION WITN EQUIFAX AND REFUND MY MONEY. 
9 ) XXXX XXXX became also nervous, and told me that I should answer serious of verification questions. 
10 ) I proceed and XXXX asked me all questions about my mortgage, loans, credit cards, student loans, etc. 
11 ) THEN XXXX XXXX TOLD ME THAT THE EQUIFAX SYSTEM CAN NOT VERIFY ME!!!!!!! XXXX XXXX told me that I must send them my documents/IDs by mail. 
12 ) I WAS VERY ANNOYED as I simply wanted to cancel my subscription and refund my money. It is my right, more so I was calling to tell I already CANCELED IT. I told XXXX XXXX that I will file a CFPB complaint and will call my Bank to file a dispute. 
13 ) FINALY XXXX XXXX told me I COULD GO TO MY EQUIFAX ACCOUNT AND CANCEL MY SUBSCRIPTION myself. I objected and ask why XXXX XXXX did not started our conversation with this. 
14 ) After I terminated our conversation I did go to my Equifax account and cancel ( FOR THE SECOND TIME ) MY SUBSCRIPTION, BUT THE EQUIFAX DID NOT GIVE ME BACK MY {$19.00} ; EQUIFAX SYSTEM STATED I COULD HAVE THEIR SERVICE FOR 1 MONTH MORE. 
15 ) IF I AM NOT HAPPY WITH THE EQUIFAX PLATINUM, WHY SHOULD I KEEP THEIR SERVICE LONGER? 
16 ) EQUIFAX IS LYING TO CUSTOMERS, PROVIDING THE FAULSE ADVERTISEMENT ON EQUIFAX.COM THAT I CUSTOMERS COULD REACH XX/XX/XXXX CREDIT REPORTS, BUT EQUIFAX NEVER PROVIDES SUCH OPTION TO CONSUMERS, JUST THE CREDIT SCORES.
Consumer complaint received 2021-04-06
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. (NC)

I contacted via phone and every rep I spoke to told me to send my disputes through mail. I sent my letter on XX/XX/2021 and havent received a response. Im unsure to why I have been ignored. I take my credit very seriously and I need the incorrect information listed on my credit report deleted asap. Being that it has been over 70 days I dont have time for them to do an investigation because it should have already been done. I need the incorrect information deleted as soon as possible and I will not wait another 30 days. This situation has been stressing me out and Im willing to file for litigation if need be if these items arent deleted asap.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NJ)

I am writing today in regards to my account with Citi Cards/Citibank account # XXXX. The reason for writing today is in regards to the late payments which are reporting on my report beginning in XX/XX/2020-XX/XX/2020, due to Covid which greatly impacted me I was unable to make the payments, As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2021-04-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

We refinanced our home on XX/XX/XXXX with the same company XXXX XXXX XXXX XXXX XXXX which is the same company prior to refinancing. The company they had serving our loan is Loancare, which is still the same serving company prior to refinancing. Our first payment for the new loan wasn't due until XX/XX/XXXX. Prior to making payment on the new loan I noticed my escrow amount for the new loan was off by {$470.00}. My prior loan escrow was XXXX, which I received a check in the amount of {$80.00}. This left a balance of {$2900.00}. My beginning balance for my new loan was only {$2400.00}, which is a difference of {$470.00} unaccounted for. I contacted them and spoke with a representative by the name of XXXX on XX/XX/XXXX, which he reviewed my account and agreed it was missing {$470.00}. He stated he would escalate it to the escrow department and I should hear something in 3-5 business days. This was my first attempt with no response. I then sent an email on XX/XX/XXXX, which was my second attempt with no response. I then sent an email on XX/XX/XXXX and received a unacceptable response on XX/XX/XXXX. Informing me to contact my original closing company, who I thought I was contacting. I then reached out to my loan officer XXXX XXXX with XXXX XXXX, XXXX on XX/XX/XXXX for assistance and XXXX XXXX, Mortgage Loan Processor with XXXX XXXX XXXX. XXXX XXXX informed me I need to contact Loancare regarding the final reconciliation of our old loan payoff. That's who all my escrow inquiries have been going to. I sent Loancare a certified letter with all documents, which has been delivered to Loancare, XXXX XXXX XXXX, XXXX  XXXX, VA XXXX and signed for on XX/XX/XXXX. I haven't received no response yet. I'm not getting any assistance from XXXX XXXX XXXX or Loancare. All I'm getting is the run around. XXXX should be just as accountable they sent my loan to Loancare to service.
Consumer complaint received 2021-04-06
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. (TX)

I have not receive any response from the bureaus and I have sent multiple dispute letters to them. Not even a letter in the mail or by email. This outrageous and plan out unfair. I want these items deleted from my report immediately. Like right now.
Consumer complaint received 2021-04-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MD)

On XXXX I, XXXX XXXX XXXX, contacted Wells Fargo Auto in writing through Certified Mail with out a return receipt, however I have not received the return receipt even though I have proof they received it on XX/XX/21 at XXXX. I sent my Cease and Desist Letter, Affidavit of Truth, Invoice and exhibits that are attached. I am contacting the CFPB due to them being in violation of 15 USC 1692c and 1681a ( b ). They reported my credit transactions, private information violating my privacy and have scored me making it detrimental to my life and caused defamation of character. I am seeking remedy under 15 USC 1692k. Also after them receiving my Cease and Desist letter, I was called contacted on XX/XX/21 at XXXX which is a violation of the FDCPA and the TCPA and 15 USC 1692c, and pursuant to 15 USC 1605 they are also in violation. I'm requesting an additional XXXX IN A CHECK for these violations that occurred afterwards. I have attached documents as proof. I Would Like your help in getting these matter addressed quickly. Please and Thank You.
Consumer complaint received 2021-04-16
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. (NC)

I do not recognize the following inquires on my transunion report : XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX I have contacted transunion and the lender who was of no help removing these inquiries from my report and it is adversely affecting my credit.
Consumer complaint received 2021-04-06
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)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

After a mortgage loan transfer to Mr. Cooper, Mr. Cooper withdrew multiple mortgage payments for the month of XXXX. 

On XX/XX/2021 at XXXX XXXX PST - A one time payment was made. This was set up to be taken out on XX/XX/2021. Documentation includes the original PDF with time stamp of the one-time payment and email confirmation for the payment. Documentation includes a confirmation number. 

On XX/XX/2021 at XXXX XXXX PST - Autopay was set up on XX/XX/2021 at XXXX XXXX  PST to start the auto-payment process on XX/XX/2021. On XX/XX/XXXX, an email was sent from Mr. Cooper saying they will be withdrawing funds on XX/XX/XXXX. This was NOT authorized. No confirmation number for the funds withdrawn on XX/XX/XXXX. Documentation includes the original PDF with the time stamp of the autopayment setup, including email documentation. 

I contacted my bank to ask for an investigation on the funds. My bank concluded the funds had been withdrawn without authorization. I have a letter from my bank that states this. 

The funds have been reverse. However, Mr. Cooper is charging a {$15.00} fee for the reversal based on their error. In addition, the XX/XX/2021 payment has not posted yet ( today is XX/XX/2021 ). No payment email was sent to the email indicated during the auotpayment setup for the XX/XX/2021 payment - rather an email was sent to my wife 's email. Which was not included during the time of autopayment setup. 

I have called Mr. Cooper multiple times, each day. I have tried to message them via the online message system - no response. I have tried to email them. I have sent them online messages of the persons I speak to on the phone with the information they tell me.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: FISERV INC. (CA)

I received direct deposit of EIP payments 1 and 2 to my bank account. For payment 3 I received an EIP debit card in the mail less than two weeks after I was notified that a direct deposit was schedule for payment 3. I do not wish to establish a business relationship with XXXX  or be subject to the terms, conditions and fees associated with their card. 

There is no option on the IRS web site to reject the card and force a direct deposit like the first 2 payments. In order to try to resolve the problem through XXXX, I must first establish a business relationship with them which I will not do. There appears no way for me to get my payment without a huge delay.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This Capital One credit card account was charged off in XX/XX/2018. I was unable to make payments at the time due to financial hardship. I reached out to Capital One on several occasions to initiate a settlement to no avail. After looking over my credit report recently, I realized that Capital One has been reporting this same Charge off as a brand new Charge-off every single month since the original date of the Charge-off, totalling 30 different Charge-offs on my credit profile. It looks like I have 30 different accounts with Capital One that all got charged off! I reached out to Capital One to resolve this issue over a month ago, and I have made several follow up calls since then to no avail. Every representative said the same thing. They agreed that it should only be 1 charge-off, not 30! as an account can only be charged off once. Then they promise to escalate the dispute and have a supervisor reach out to me but I never get a response back. This issue is very pressing because I can't get a mortgage loan due to this negative item on my credit report and I am an expectant father.