davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
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. (FL)

I am filing a complaint against Mr. Cooper, the company currently servicing my mortgage loan, originally with XXXX Mortgage. Since the transfer of my mortgage servicing to Mr. Cooper, there have been ongoing discrepancies in the Unpaid Principal Balance ( UPB ). 

Incorrect UPB : Mr. Cooper 's records indicate a XXXX of {$190000.00} as of XX/XX/2023. However, the loan history summary from XXXX Mortgage shows a different XXXX of {$190000.00} for the same date. Despite my requests, Mr. Cooper has not verified the XXXX with XXXX Mortgage, leading to a significant discrepancy in the balance. 

These issues have caused financial discrepancies and considerable distress, as I am unable to ascertain the accurate status of my loan. I have attempted to resolve these matters directly with Mr. Cooper but have not received a satisfactory response or correction of the errors. 

I am seeking assistance from the CFPB to ensure that Mr. Cooper verifies the correct XXXX with XXXX Mortgage accurately and promptly. 

Thank you for your attention to this matter.
Consumer complaint received 2023-12-11
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. (TX)

In 2021, I initially requested debt validation from XXXX XXXX as well as asking XXXX, XXXX, and Equifax to investigate that the information being reported on my consumer report was accurate. XXXX at that time sent me a copy of a past due bill which is NOT the information that I requested to be able to validate the debt on my end. XXXX, XXXX and Equifax responded stating the account was verified. I initiated this process again in XXXX and received the same information. XXXX then asked if I wanted to mark the account as fraud to which I stated I don't know if it's a fraudulent account or not but I have no accounts with XXXX XXXX XXXX so as I requested again the due diligence is on the Reporting Agency to report accurate information. If the account is fraudulent then they can mark it as such. I should not have this account reporting on my consumer report if it has not been validated as an account that I own and I have not been able to get any complete and valid information from either the reporting agencies nor XXXX I have asked XXXX to provide detailed information for my records that would help validate this debt such as : 1. Verification of the Debt : Please provide detailed documentation that verifies the debt you claim I owe. This should include information about the original creditor, the amount owed, date that the original account was opened and the date the account became delinquent, and the terms of the debt agreement. It should also confirm whether or not the debt is within the statute of limitations for collection. Please note that supplying just a copy of a bill from the original creditor is NOT actual verification that the debt belongs to me. 2. Itemization of the Debt : I would like an itemized breakdown of the total amount claimed, including any individual amounts and accumulation breakdowns, fees, interest, and/or additional charges that have been added to the original debt. This will help me better understand the total amount being sought. 3. Proof of Ownership : Please provide evidence that your agency has the legal authority to collect this debt. This should include documentation of the assignment or purchase of the debt from the original creditor along with the amount that you have purchased the debt for and the date of assignment. Please note that supplying just a copy of a bill from the original creditor is NOT actual proof that you have the right to collect. 4. Verification of Communication : If your agency has made any prior attempts to contact me regarding this debt, please provide proof of those communications, including ALL dates and methods of contact. I have provided more than 30 days to get this resolved and I am getting no further information from them other than just a bill.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have apply for a loan got approved for XXXX but I found out it's was a scam I called my bank they block the scam but someone from XXXX XXXX told me to report the scam to fraud if you have questions feel free give me a called at XXXX Thank you very much.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have request a investigation of Fraudulent Account on my XXXX report. The charge -off of an obligation with Fraudulent Account is incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2022 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and
Consumer complaint received 2023-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nexum Group Inc (FL)

I am not liable for this debt with XXXX XXXX and do not have a contract with Nexum Group Inc. They did not provide me with the original application or documents like I asked. Nexum Group is very aggressive and nasty. They don't let you explain why you don't owe a debt with XXXX XXXX ; they just get demanding nasty and tell you ; you better paid this debt or we going to report you to the credit bureau, and this will be on your credit report for 7yrs. 
I try to explain to Nexum representative the reason why this is not debt with XXXX XXXX I signed a contract with XXXX XXXX to have my roof done I had to pay my deductible up front before they started on my roof and salesperson said that only thing, I have to pay out of pocket may insurance with pay the remaining. So, once they finished the roof, they received the check from the insurance company after that I received a bill in the mail saying I owe them {$1300.00} I called the finance department and talked to someone named XXXX and I asked him what this bill for he said for extra wood they added to roof. I ask him why anyone didn't talk to me about this first he didn't give me and answer, so I asked for a receipt from them he told me they don't have to provide me a receipt, so I told him I'm not paying until your show me some proof of this extra wood for {$1300.00} are we can take this to court and handle this in court, the next thing I know Nexum Group calling my phone demanding me to pay them. I not paying no one unit some of your show me some document stating that XXXX pay for this amount for wood.
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (DE)

I recently checked my XXXX credit report and was SHOCKED to see a claim by Comenity CB/XXXX  that I did not meet my obligations. I have paided my XXXX credit card to XXXX  balance. In fact, yesterday, I received a NEW XXXX card in the mail. So, first I want to know why this information is on my XXXX  account ( I want it taken off ) and second, if my payments made to XXXX were SO bad, then why did XXXX send me a NEW credit card. This just does not make logical sense.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I have a custodial account for my daughter with Huntington bank. I recently received a statement in the mail saying that they escheated all {$570.00} out of her account for lack of activity. 

I called the bank telling them that they could not escheate the money out of her account because they had not provided prior notice and they returned the money to the account. 

It is absolutely unacceptable for a bank to steal the money from a childs account without going to proper notification procedures to ensure that that money should not be escheated. 

I believe their policies around their escheatment practices need to be reviewed by the FDIC to ensure proper handling as this appears to be, if not deceptive, then certainly an abusive act/practice and under UDAAP laws they should be assessed To ensure they are not causing harm to other consumers. I will be filing the same complaint with the FDIC.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have request a investigation of XXXX XXXX XXXX account on my Equifax report. The charge -off of an obligation with XXXX XXXX XXXX is incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2020 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and
Consumer complaint received 2023-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (RI)

On XXXX 2022 an account was opened with XXXX XXXX Bank in the amount of {$2400.00} and was sold to LVNV FUNDING LCC collection agency. I have NO knowledge of this account, which was opened fraudulently. My dispute came back negative, with no means of communication.
Consumer complaint received 2023-04-27
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. (CA)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Hello, I received an email from what looked like to be my escrow company informing me that the rest of my down payment, XXXX for my first house will need to be sent to their trust account and it provided me a new account and routing number. While looking at the email on my iphone, the name of the person who messaged me was the same as my escrow co. But when i click on the name, the email addressed appeared and I knew it was a fake email and the new wire instructions were not of my escrow company but I did not notice this until after the transaction. I have been in contact with Chase Bank ( my Bank ) and XXXX XXXX ( receiving bank ) ever since the transaction on XX/XX/XXXX and i dont believe much progress has been made. XXXX XXXX did call me over the weekend when I first sent the funds and left me voicemails, but I did not pay much attention to them since the voicemail did not state my name ( i assumed it was spam ) until Monday XX/XX/XXXX when my Escrow Co informed me they still haven't received my funds, i called back XXXX XXXX and they confirmed that they will hold the funds, they knew something was off since the name of the funds did not match the owner of the account. Since then, I have only been able to contact Chase Bank via secured messages on their app ( they are currently not accepting calls to their wire team because of Covid ). these messages sometimes take a week to get a reply back, they claim to be in contact with XXXX XXXX on the issue and now XXXX XXXX is requesting an Indemnity Letter, Chase informed me of this and asked me to contact XXXX XXXX directly for this at XXXX for the template. I sent the second email today to this email address and still have not received a response. Chase advised to call chase fraud team, but the fraud team told me they can not do anything and to keep in contact with Chase wire team via secured messages on their app. I have gotten this run around times from Chase Bank. I need help and advice on what my next steps should be. XXXX XXXX will no longer help me since I am not a member, they will only accept calls on the issue from Chase Bank.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX informed that I should consolidate my credit cards. They informed me to do a loan and stated that it would only be offers and would not effect my credit. XXXX later I receive notification by email from XXXX and XXXX two companies u have no knowledge of nor did I officially apply for a loan.
Consumer complaint received 2023-04-12
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

ECSI claims Im not eligible for unemployment deferment but sends letters that it may be an option to me. They are giving me contradicting false informations continuously. They need to explain why unemployment deferment was not given to me yet they have economic hardship deferment which I do not qualify as of now due to unemployment. Furthermore, I was misled by ECSI and ECSI claims they had loans with me since XXXX  but they do not have master promissory note with me starting in XXXX  and they claimed to be federal not private. All their loans are invalid and must be canceled.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

I am on a repayment plan agreement and the company ( XXXXNewrez mortgage XXXX ) continues to report my account as negative to the credit bureau even though I have complied with the terms. When the company offered me the repayment plan after coming off of a special program that I qualified for due to XXXX, they reported my credit as 120 days late even though I complied with the terms and is continuing to report my credit as 30 days late each month even though I continue to comply with the terms of the signed agreement. This deceptive practice was not explained to me before I entered this agreement. Why would you say that youre trying to help me when youre trying to ruin me at the same time.
Consumer complaint received 2021-02-15
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. (FL)

Just a few days ago I checked my report and I found the accounts and inquiries that are not kind of mine. I do not know them and their origins. How that possible in general that I have somebody else information in my credit report? I would like you to pay attention and check it as I was shocked to see such a terrible picture in my profile. I read about it and I realized that I am just victim of identity theft otherwise I can not understand why I have it. I can not recognize none of them. I kindly ask you to investigate because life is difficult now and I can not make my financial planning anymore and I want you to apply some extra control. Please help me and remove it
Consumer complaint received 2023-08-07
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: GOLDMAN SACHS BANK USA (TN)

Attached documents prove that Apple Card violated consumer regulations in credit reporting, failed to properly investigate errors that their support supervisors identified as originating from Apple Card, and improperly reported an account as late for XXXX XXXX, when documents detail payments being made early/on time for said month. Attached documents show in detail that the Apple Card/GS bank generated technical errors, initiating a series of events - all caused by Apple Card - that were immediately rectified by the consumer ( myself ). Attached documents prove that Apple Card and myself only experienced brief windows ( hours ) in which either party was aware of issues. Attached documents prove that an error code generated by Apple stating that my bank ( XXXX XXXX ) or myself initiated returns for past month 's payments is WRONG. Though there were no late payments in this case, Attached documents prove that Apple Card violated regulations requiring late payments not to be reported negatively/late to credit bureaus under 30 days of past due. Said " returns '' ( documents show they were never returned to my checking ), occurring on XX/XX/XXXX and XXXX caused the account to appear past due for a brief period of no more than an hour or so. Payments were immediately sent, and I was assured on recorded lines by Apple Card XXXX that no further action was needed, and the account was current " Far from late. '' A supervisor identified the cause of the issue and explained it in detail on a recorded line ( case XXXX ), recognizing Apple Card 's error. As an example, for the month of XXXX, a payment was posted in the amount of {$3000.00}, which shows as accepted/recieved on the Apple Card Statement. On XX/XX/XXXX I was notified that this payment was " returned. '' My checking account statements ( matching the checking on the apple card statement ) show that these transactions were never present for myself or XXXX XXXX  to have initiated, or received returns. Attached documents detail the situation in it's entirety. Support from Apple Card was minimal ; documents were requested to prove my dispute, but I was given NO proper location to upload the documents other than via generic help chat in the apple card/wallet app. Supervisors could not/would not confirm that these documents were even posted to the case or my profile.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (MI)

I was charged of {$12.00} service fee on XX/XX/XXXX when I was out of the nation. At the time, my savings had a $ XXXX balance. Their online chat got disconnected frequently. When I tried to call, the calls were disconnected at least 3 times.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MD)

I filed a complaint against US Bank for this matter to no avail. US Bank responded with absolutely no evidence or explanation for the " charges '' on my credit card that they claim I owe. In FACT - those charges can not be linked to me as they are literally " late '' fees imposed on fraudulent charges. US Bank can not solve this issue by trying to gaslight me and just say " there were charges '' I haven't paid for. Not only will I sue US Bank in court, I will share all of the statements and the extremely poor response and absolutely unacceptable excuse US Bank gave in response to my demand that they resolve the mess they made of my account. If US Bank does not retract the fees and charges ; advise the CRAs that what they reported is FALSE, and close my account in good standing within 5 business days, I will file suit and share their disturbing lack XXXX  violations with the media, in addition to contacting XXXX XXXX myself to alert him to their disgusting unfair practices.
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.