davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

This is my second complaint regarding Mr. Cooper. Mr. Cooper charged me PMI since the beginning of the loan in error. My home had over the required amount of equity when the home was transferred from Seterus. After the first complaint ; Mr. Cooper ONLY reimbursed the amount based on my request in writing. However, I had CALL SEVERAL times prior to sending the email in XXXX of 2020. 

I am requesting the Mr. Cooper reimburse me for EVERY XXXX  they took from me. They should NEVER have charged PMI. They should also pay me interest for taking my money and forcing me to have to beg them, write letters, and submit complaints to get my own money back. 

If they do not REIMBURSE every dime - I will seek an attorney to assist me. IN addition, each time I contact them regarding my concerns - they try to SELL me something. It is very insulting and unprofessional!
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mitsubishi Motors North America, Inc. (FL)

My sister in law lease a XXXX XXXX XXXX with Mitsubishi Motors Credit of America , Inc . I was her co-signer and we signed the contract at XXXX XXXX XXXX. When the lease ended she decided to purchase the vehicle and went to XXXX XXXX XXXX where on XX/XX/XXXX she signed by herself ( I was not needed as a co-signer ) the sale contract ( attached ). My sister in law received a letter from Mitsubishi Motors/Ally dated XX/XX/XXXX congratulating her for the purchase of the vehicle and giving instructions on how to create an online login to manage her account and make payments. She did so and made the payment. Mitsubishi Motors Credit of America has been reporting the lease account ( of the same car which has been purchase ) as opened and with payments delinquent. I contacted them explained that the car had been purchased on XX/XX/XXXX and that it was financed by XXXX  XXXX/XXXX and asked them to contact that department since it was XXXX. They told me that XXXX XXXX and Mitsubishi Motors Credit of America are not the same company and are not related. They also told me that I had to contact XXXX XXXX/XXXX and ask them to send the payoff or verify if they had possibly sent it with the wrong information which would explain the delay. I called XXXX XXXX XXXX and they said that the payoff check was sent to XXXX XXXX XXXX. This confusion between these 3 companies has been damaging my credit and my sister in laws credit. Incorrect derogatory information has been reported and I feel disrespected and helpless as a consumer. A sales contract was signed ; a down payment check was cashed by XXXX XXXX XXXX ; the first payment has been made to XXXX XXXX/XXXX ( account is current ) and yet Mitsubishi Motors Credit of America is reporting the lease of the same vehicle as delinquent. Please help us resolve this very serious issue.
Consumer complaint received 2021-08-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc. (UT)

A car that was sold the car in XXXX of XXXX and was removed from registration on XX/XX/XXXX and from our insurance on XX/XX/XXXX. Which we have documentation of that as well. Then in XXXX XXXX a police officer knocks on our door to inform our car was found in XXXX XXXX, UT. We live in XXXX XXXX, UT. That the car was abandoned and found on XXXX XXXX on XXXX XXXX. When we sold it the car did not run, it had to be towed from our home. We did remove the license plates and reported the car as sold. Well when the police officer gave us that notice, my mother whos first language isnt English had informed them we had sold the car. She then asked if we needed to do anything. The police officer informed her that he saw the car was already removed from registration and that there nothing else to do. Well we were then informed by Outsource receivable management that we owe {$3600.00}. That this was by XXXX XXXX XXXX. I have already filed a dispute and sent documentation of the proof.
Consumer complaint received 2023-02-19
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: EQUIFAX, INC. (NC)

Equifax confirmation # XXXX, is reporting the following addresses, inquiries, name and employer fraudently XXXX : XXXX. XXXXXXXX XXXX XXXX dated XXXX XXXX XXXX Names : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX XXXX XXXXXXXX XXXX Address : XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2021-08-31
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: MAS FINANCIAL SERVICES, INC. (CA)

I was not late on XX/XX/19. The information related to the late payment is incorrect. Please correct them on my history file otherwise remove it from my report
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (NY)

I never gave any permission to this organization to have my information and they have sent the attached mailing which constitutes of several Federal violations. Pursuant 18 USC 241 this organization is conspiring with American Express and the consumer reporting agency 's not only depriving my right to credit but also my right to privacy 15 USC 1692a as a consumer pursuant also furnishing negative information which is deformation of character to the Natural person and original creditor. I am envoking my specified remedy as a consumer and seeking compensation and remedy for all matters addressed in the below attached affidavit of truth with exhibits.
Consumer complaint received 2021-11-22
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent to Equifax. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and needs to Remove : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2020-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In XX/XX/2019 there were multiple inquiries not authorized by me. The only companies authorized are XXXX XXXX and XXXX XXXX. The others on XX/XX/2019 are not authorized.
Consumer complaint received 2020-02-29
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: Experian Information Solutions Inc. (MN)

On XX/XX/2020 I sent in certified mail your company asking for your method of verification on for inaccurate reporting on my credit report I have yet to to receive any written notification from your company in my letter I asked for specific information could you please tell me why you didnt respond to my requested This is a violation of the FCRA you had 15 days to respond but you didnt XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2021-08-31
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. (TX)

They continue to report inaccurate information to my credit report that does NOT belong to me and they did not verify or investigate as per FCRA guidelines!
Consumer complaint received 2021-08-30
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. (CA)

After checking my credit report, I found unknown inquires from XXXX XXXX on both my XXXX  & Equifax report. I reached out to XXXX XXXX stating I never authorized them to pull my credit. On XX/XX/2021 XXXX XXXX provided a letter stating they were unable to provide permissible proof to run my credit. They then informed me they have sent a request to all major credit reporting agencies to have the inquiries removed from my credit report. I reached out to XXXX  & Equifax to confirm confirmation of removal. Both Equifax & XXXX  have received nothing from XXXX XXXX as of XX/XX/2021. Equifax stated they will NOT remove inquires without a complaint to the FTC and a Police Report, although XXXX XXXX has express these inquires were NOT authorized. XXXX  has reiterated the same statement as Equifax. I have called numerous times to Equifax to only be hung up on every time, they refuse to follow the law & refuse to remove the inquiries.
Consumer complaint received 2020-02-29
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: LEXISNEXIS (GA)

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but XXXX keep rposting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.
Consumer complaint received 2024-06-13
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: AMERICAN EXPRESS COMPANY (MD)

XX/XX/year> I noticed a credit inquiry on my XXXX file upon checking with Amex they confirmed they did not pull my credit and I have to application in progress for which they would do a credit pull. 
They confirmed that they have no record of this credit inquiry
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I called transunion to follow up about a dispute matter where inquiries were placed on my profile. I was told that i needed to send a FTC report in regards to fraud happening which they have received by they have refused to process my request and advised me that they will no complete.
Consumer complaint received 2019-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a Bank of America Advance Plus Banking Checking Account on XX/XX/2019 with the following offer : XXXX : XXXX which says I am to receive a {$300.00} bonus after {$4000.00} in direct deposits within 90 days. My employer deposited {$2300.00} on XX/XX/2019, {$1900.00} on XX/XX/2019 and {$2400.00} on XX/XX/2019. So within the 90 day period I had well over the required amount of direct deposits. The offer also reads that within 60 days of satisfying the requirements the {$300.00} bonus should post. I satisfied the {$4000.00} deposit on XX/XX/2019 so I would expect the {$300.00} by the end of XXXX, 2019. I called in XXXX to get a status update and I was told I would get an update in 60 days from then. Today is XX/XX/XXXX and I called Bank of America and I was told the back office is still looking into it and to call back every few weeks to check. I told them I'd file a complaint because I refuse to wait longer.
Consumer complaint received 2020-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (OH)

I have an account with Robinhood ... an online investing platform with investing, cash management and low cost trading services. I have had an account for several years and I have not had any problems until today. 

I have been trying to access my account all day and I can not make any trades or move any money in or out of my account. I started out at market opening by trying to make several trades, but I was unable to place any trades. So I have sent multiple emails through RH customer support, but they have not responded. 

My biggest concern is that I can not access my funds. But I am also concerned about the lack of trading services and the lack of customer response. So to iterate ... 

1. Can not make trades today XX/XX/XXXX. 
2. No response to my problem reports through RH customer support. 
3. Lack of access to my funds either through trades or cash account. 
4. I have no idea if this is a temporary system problem?
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I tried using XXXX to get my free credit report from each agency. It only worked for one. Both Equifax and XXXX refused to give me my credit report online, and instead insisted I mail them of bunch of documentation.
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CA)

I flew to the XXXX on XXXX XXXX airlines with my family in late XXXX. Whilst I was in the XXXX the airline went bankrupt and I had to purchase a last minute flight home. I put in a claim with Chase Credit card for a full refund of the XXXX XXXX flight with the justification that XXXX XXXX did not provide the service of bringing my family home from the XXXX ( Transaction post date of XX/XX/2019 - {$1200.00} ) That request was rejected by XXXX XXXX  receivership bank. 


I called up Chase in order to continue the dispute. I talked to a supervisor there who stated that I should try and claim back a partial amount. We agreed on half the amount and that Chase would send that request in for me and that I should call back 2 weeks later. I called back one week later and was told that the claim was processing and that I should call back in a week. When I did call back a different supervisor told me that they had in fact done nothing because I was supposed to send them a secure email to tell them to try and claim half the amount. I then did as requested on XX/XX/2019 and sent a secure email to request the half amount back Today ( XX/XX/2019 at XXXX PST ) I called back to check on the status of the claim. The supervisor told me two things : 1 ) That the claim was now over 60 days and they could not do anything.

2 ) That they are under no obligation to ask for half the amount  given that the other financial institution had rejected the first amount. i.e. They never actually put the request in for the half amount claim of {$610.00}. 


Note that It was over 60 days because of the incorrect information Chase provided me over the phone ( I lost at least 15 days where I was told that they had put the reduced claim in ) and I also can not believe that the bank has no obligation to request a different amount based on the initial response from the other institutions bank. 


On the final call I also asked if there was an independent group I could make a complaint to. The supervisor did not mention the CFPB at all and informed me that all complaints were handled internally by the Credit Card Dispute office.
Consumer complaint received 2022-09-14
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. (MO)

This is XXXX XXXX submitting another CFPB Complaint too follow up the fist complaint XXXX previous ; y submitted on XX/XX/XXXX. I sent a letter on XX/XX/XXXX addressed to the Credit Reporting Agencies to remove the disputed Fraudulent accounts and information that are completely XXXX  to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Once again, please remove the following fraudulents accounts and information completely from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX C XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX Balance Owed : {$950.00} XXXX XXXX CO XXXX Balance Owed : {$490.00} XXXXXXXX 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 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 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 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 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central States Recovery, Inc. (OK)

Csr told me they couldn't find my account in system they then transferred me over to someone, she Mrs XXXX took my card number and didn't give me any confirmation number for payment she told me she had to Wright down my credit card numbers for payment for the book keeper to process she never told me she was weighting down my number before doing so, I told her she shouldn't be weighting down card numbers she said process time is 8 to 4 I didn't appreciate her weighting down my card numbers on paper to process later