davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
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. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to remove this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope you will make an effort to finally delete the following items. Thank you. 
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Consumer complaint received 2023-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

On XX/XX/2023, I initiated a payment through Venmo to XXXX XXXX, totaling {$58.00}, for the purchase of a pair of sneakers from a XXXX company with positive online reviews. Despite the promising reviews, I never received the ordered goods. On XX/XX/2023, I engaged in a conversation with a Venmo representative, requesting assistance in opening a dispute. Prior attempts to contact the company through their online form had yielded no response, neither in terms of communication nor the delivery of the purchased items. Subsequently, a Venmo representative reached out to me via email on XX/XX/2023, seeking additional details. 
They asked for evidence of my communication with the company. However, since the company only accepts communication through an online form and I received no response, I couldn't provide the requested information. Consequently, the dispute was denied, as stated in their recent email.
Consumer complaint received 2023-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (VA)

Mr Cooper took the required three " trial '' payments after accepting my Loan Modification, sent me a first regular payment due date and amount. I tried to pay it early and they said the modification papers hadn't come through yet. And to pay it at the due date so they'd have time to get the papers. I paid the payment ( XXXX ) on time as well as on time payments for XXXX and XXXX. The account has been transferred to XXXX XXXX and on two occasions I've gone thru this whole thing with their representatives. They've sent me a " you're 90 days late so we're declaring you in default and accelerating your loan ''. XXXX says it's under review but they won't take my XXXX payment. I've sent explanatory letters to the XXXX on all these facts and the reply they sent was dated XXXX but the records showed no payments since XXXX they also provided me with an advisor to work things out and the number given was for a fax machine. Please, someone jump on this as they've threatened forclosure.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

On  XXXX   XXXX , I submitted required documentation toward disputing several items on my credit report and notifying   XXXX   Equifax and  XXXX  that I was a victim of identity theft. I submitted all the required documentation that was required by the individual credit reporting agencies and that which was required by law under FCRA sec  605B ( 15 U.S.C. ..1681c-2 ) the law states the with submission of my proper identification, along with la w enforcement notification, ie. a police report identified items shall be block in no more than 4 business days. Upon approach to the issue, all institutions stated that there practice is to investigate for 30 days and that I would be notified at that point. Not only is this confusing it is illegal to the legal duties of upholding the aforementioned rights of the consumer. I am placed into a position of feeling victimized twice. I seek that the information be blocked immediately for I am neither benefactor of the accounts nor did I give permission to another.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws Equifax, XXXX, XXXX, has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this SectionFirthermore you must have a license to collect in Texas Finance code 392.101 A collection agency my not collect in Texas without having a license it is illegal and a major violation..XXXX XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX XXXX IS NOT LICENSED IN TEXAS TO COLLECT
Consumer complaint received 2023-08-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Mr. Cooper Group Inc. (SC)

On at least two occasions XX/XX/23 and XX/XX/23, I've spoke with someone to request that my phone number be removed from their database. Both times they agreed to do so. They continue to call looking for different individuals which is very disruptive to my workday. If I don't answer the call they will leave a message that I don't need. 

Please have them STOP calling my workplace looking for their debtors, it is highly inappropriate and annoying. 

Thank you.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IA)

I went online to XXXX, and they said that there would be no credit pull for trying to be preapproved. I went through all that and come to find out they pulled my credit every day for about three days as hard pulls! I tried calling them, Ive emailed them and I sent a letter with tracking ( tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ). And NO contact back!
Consumer complaint received 2022-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

On XX/XX/2022, between XXXX to XXXX, I got a call from someone claimed that they are XXXX California XXXX that I need to make a payment of {$190.00} through XXXX or they will shut off my electricity with 30 minutes. So I did. Then they transfer me to their " supervisor ''. The " supervisor '' said the {$190.00} is not enough to stop them to cut off the electricity. The lowest is {$280.00} otherwise the electricity will shutt off still with 30 minutes. So I had to pay the {$280.00}. Then they told me to put a refund code of XXXX to get the {$190.00} back, after I did that, it actually sent another {$990.00}. So they said that I did too slow the refund code was expired, my account was locked. So they said I need to send {$490.00} safety secure deposite to get my money back. But after I sent this I still did not get my money back. I realized that I got scammed. I went to Schools First Federal Credit union the next day because they don't have a phone service in weekends and reported this fraud. But they will not do anything.
Consumer complaint received 2017-07-19
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. (TX)

As of  XX/XX/XXXX  I received a Experian copy of my credit report with no credit scores and there is still  XXXX  Hard Inquiries from 1.  XXXX   XXXX   XXXX   ,  XXXX   XXXX   XXXX  ,  XXXX , Utah. XXXX .  XXXX   Dated  XX/XX/XXXX .
2.  XXXX   XXXX   XXXX   ,  XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   , Texas. XXXX . (   XXXX  .Dated  XX/XX/XXXX .. ( Unauthorize Hard Inquiries ) 3.  XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  , Texas. XXXX , Dated  XX/XX/XXXX  . ( Unauthorize Hard Inquiries ) Why Experian did n't delete this Unauthorize Hard inquiries fro my credit reports.
Also my Experian credit score has n't be updated, as of  XX/XX/XXXX  my Experian is very damaging at  XXXX ..
 XXXX   XXXX .  XXXX   XXXX .
 XXXX  and  XXXX  has n't deleted all the unauthorize hard inquiries from my credit reports.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have sent multiple dispute letters to the 3 credit bureaus since the month of XXXX. I have never received any of their responses and I didn't authorize them to add these inaccuracies on my credit report. I demand deletion of these accounts as soon as possible.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am writing to express my dissatisfaction with the service I received during my stay at the XXXX XXXX XXXX., I made a reservation for XXXX, XXXX and XXXX Unfortunately, I had to cancel my reservation, but I was charged for the room anyway. Furthermore, I noticed that my signature was on receipts that were not mine, and I was not satisfied with the service I received during my stay. I have documentation that stats cancel and the bank refuse to honor that stating that no error was made .I have send in over the amount documents need to fix this problem. One manager saw the error and corrected it and the next day the claim was reverse. I had permeant credit on some the came back and reverse all those and debit my account. I told them I have been a victim of identity theft they spoke to me so rude The did not honor no claim when I had all the supporting documents there. The talk down to me and belittle, me the reverse everything even the one that had permeant credit I have been asking them to speak with someone to go over the claims one by one they say that they can not help me. I am very dissatisfied with the service I received from the XXXX bank. On how the handle me with my fraudulent transaction on my debit card and requested a refund. However, my claim was denied, and I was informed that the transaction was authorized. I strongly disagree with this decision and believe that I am entitled to a refund.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: MIB Group, Inc. (MD)

I urgently need your assistance as there are numerous and egregious errors in my report from the company MIB. 
Despite never experiencing any of the reported health issues, the report inaccurately states XXXX XXXX, XXXX XXXX ( XXXX ) or XXXX test for which there is no specific code on XX/XX/XXXX and XX/XX/XXXX. 

Falsely mentions a XXXX disorder and XXXX XXXX on XX/XX/XXXX, inaccurately suggests tobacco use and prescription drug evidence on XX/XX/XXXX, and falsely indicates abnormal XXXX levels on XX/XX/XXXX. 

To substantiate my claim, I am attaching my health records from XXXX XXXX for the past years, including my most recent physical examination. Your assistance is crucial in rectifying these inaccuracies and resolving this matter promptly. 


MIB has included reckless driving on my report. I have attached my 10-year driving record from the DMV and am requesting the removal of this error from my driver history. 

Because of there errors on my report. I have been denied life insurance from several providers.
Consumer complaint received 2023-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (FL)

On XX/XX/2023 I paid off a mortgage ( through Cross Country Mortgage ) on a rental property I own in XXXX, Florida. I paid it off around the same time I was changing insurance companies from XXXX XXXX XXXX XXXX. As XXXX was aware that I still had a small mortgage at the time of the insurance switch, they sent notification to the Cross Country that they were the new insurer of the property. I paid the XXXX  up front ( {$2700.00} ) as is required when binding a new policy. Even though XXXX assured me they did not send Cross Country an invoice, but merely a notification of their taking over as insurer, Cross Country paid the XXXX...... again. By this point the mortgage was paid off, and I no longer owed on the property. When XXXX received the check from Cross Country, they saw that it was a duplicate payment and mailed it back to them. That was on or about XX/XX/2023. In a subsequent phone call to Cross Country, checking on the status of the return of these funds to me, I was assured by Cross County that I would receive a check from them within XXXX to 14 days. After about 21 days I still had not received the refund, so I called Cross County again to check on the status. This time they said that they would investigate as to where the refund was in the process. I have called them several times since, and each time I get a run-around as to why I have not yet received the refund. The last time, an agent named XXXX, blamed the situation on the fact that a lot of agents work from home, and that the check was probably at the office somewhere! Are you kidding me? 

So, here we are, over XXXX months since I paid off the mortgage on my property, and I still have not received my complete escrow from Cross Country. They still owe me {$2700.00}. I have to pay the taxes on this property ( due this month ), and their mishandling of this situation has caused me to be tight on funds to do so. 

I appreciate any assistance you can offer in getting this refund back to me. 

Thank you in advance, XXXX
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (UT)

On XX/XX/2023 I initiated an electronic payment for {$1000.00} through my checking account at XXXX XXXX for payment on my Citi XXXX XXXX XXXX XXXX - the total balance on the Citi credit card was {$3000.00}. I then used a balance transfer check for {$2000.00} from my XXXX XXXX XXXX account, ( check # XXXX ) to pay the remaining balance on the Citi XXXX XXXX. This was mailed via usps priority mail with a payment coupon from the Citi credit card on XX/XX/23. The tracking # from the usps priority mail is XXXX XXXX XXXX XXXX XXXX XXXX. On Saturday XX/XX/2023 I checked the status of the usps tracking and it showed the letter was delivered to Citi 's XXXX AZ address on Thursday XX/XX/2023 but when checking the Citi account on line they have only credited the electronic payment of {$1000.00} from XXXX XXXX and not the {$2000.00} check. This presents a problem because the Citi XXXX XXXX account is on a 0 % interest deal which ends XX/XX/2023. These pieces of filth from Citi are withholding this payment so as to show I have a balance of {$2000.00} and subjecting me to interest. They have pulled similar fraudulent acts on me with a mortgage account I had with them a few years ago - they are nothing but filthy liars and theives.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UMB FINANCIAL CORPORATION (MO)

Date of fraudulent activity opening accounts in my name without my consent having fraudulent checks deposited into these accounts dated XX/XX/22 including savings account and checking accounts loans and mortgages using the Federal Benefits from United States Treasury Department for XXXX and impersonating me for XXXX Benefits including accessing my personal information through communication devices. XXXX XXXX or XXXX XXXX
Consumer complaint received 2023-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (SC)

In XXXX I made a purchase on XXXX for some curtains on my paypal XXXX and received an item that was not as described. I opened a paypal dispute with photos and paypal admitted it was not the item I ordered. The said a refund was due, but I would need to ship it back. The return address was provided in XXXX. I received multiple shipping quotes that came in around {$500.00} to ship the item back. The item originally cost {$250.00}. I fought the dispute on paypal, but ultimately lost. I opened a previous CFPB complaint and paypal responded. They lied and intentionally left out information in their response to the CFPB. I opened an investigation with the credit card servicer XXXX and after some time they concluded there was definitely fraud that happened on the card and refunded my money immediately. I've been attempting to close my paypal account for the last 4-6 weeks and paypal continues to make up stories and excuses why they can't close it. They locked me out of my account and I can not sign in any longer and told me it was closed, but calling in today I found out the account is still active and mine is one of many that " that can't see to figure out how to close ''. I read this over a recorded line to XXXX on XXXX
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2018-12-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Receivable Management Services LLC (VA)

Good day : I have been contacted now four times by a debt collection agency attempting to collect a debt that I do not owe. The first three times have been via US Mail, which I responded to twice via certified letter. Following the third letter from RMS, I  submitted a complaint to CFPB, case number XXXX as they had not provided any proof that I owe a debt. Their response to the CFPB complaint on XX/XX/XXXX was incorrect, indicating that they received my account on XX/XX/2018 ( their first letter was dated XX/XX/XXXX ), and that they closed my account and returned it to XXXX. 

I have now received 5 phone calls from XXXX starting on XX/XX/XXXX ( the date that they responded to the CFPB complaint ), who have left no messages. Yesterday, XX/XX/XXXX, the 5th phone call, I picked up and it was RMS asking about the same debt. In their response to the CFPB complaint they indicated that they have sent the debt back to XXXX which is clearly not the case. 

I have attached the same PDF to this CFPB complaint, which expressly states that this debt is not mine, asking for proof that this debt is mine. The company has failed to prove that this debt is valid and has now begun calling me asking me to pay this debt, which violates my rights under the FDCPA. I have asked them via a form letter from CFPB to provide proof that I owe a debt and they are not permitted to contact me until they have proven it. 

If there is some proof that I owe a debt, please provide that proof to me so that we can further discuss it. However, I have never done business with XXXX and therefore have no reason to believe that this is a valid debt.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

XX/XX/2023 Experian XXXX XXXX XXXX XXXX, TX XXXX Dear sir, Today, XX/XX/2023 at about XX/XX/XXXX in the morning, I received two emails from your company online service. I am not sure what they want to do because they just ask me to file the dispute online, call, or mail. As I have already mailed and filed to CFPB, why I need to be asked to do again. However, since they asked me to file again, I will file the complaint to CFPB and your inconsiderate attitude toward the customer or XXXX nationality, who insist not be possible to serve as a military servant of this country, the United States, especially, I have the extreme high education in XXXX. I just want to ask you why I need to serve in the United States, since I know some people receive the right to attend the college/university after the military service of your country. Would you contact with your employee to check the main office whether it has received or not? Or maybe your customer service employees only can check the status of CFPB, because they should have the capabilities to contact and check it ; otherwise, I can not make logical sense to work for the credit report. 

Sincerely,