davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My mortgage was transferred to Mr. Cooper on XX/XX/2021 and the previous company I was with I did not have any issues. The letter I received from my previous mortgage company stated that if I wanted to set up an automatic payment with Mr. Cooper then I have to do it myself once it is fully onboarded in the Mr. Cooper system. I intended to pay Mr. Cooper using bill pay with my bank rather than setting up an automatic payment with them. As soon as I was able to access my mortgage account with Mr. Cooper I checked to make sure that I was not set up for automated payment but it showed that I was automatically set up for automatic recurring payment which I didn't sign up for and I did not provide them my account number. They already have my account number as soon I checked the payments which they probably got from my previous servicer. I tried to cancel the automated payment option but it's not getting cancelled online. I called Mr. Cooper and spoke with an agent, the agent said that she could not cancel it herself and I should wait for 24 hours before my account gets updated. I also told her to make sure that I did not want to get debited and that might bring my account to a negative balance and assured me that it would not happen. The next day my account was debited. And also that same day I still had the automated recurring payment showing in my account even after talking with the agent the previous today and after waiting for next day to clear things out. I called Mr. Cooper again and spoke with an agent and I told them that I was debited and I specifically asked the agent the day before not to debit my account. The agent magically was able to cancel the automatic payment. I also had to call my bank to stop the payment from going through and I got charged {$30.00} for the stop payment. The website is very suspicious as this does not allow you to make changes yourself I hope they are aware that this is happening or maybe intentional behavior to keep customers in automated payment method. I believe that Mr. Cooper should not make choices for customers to set up automated payments if this was not requested in your website. Also I did not provide them my account number and they should not be getting my bank account number without my permission.
Consumer complaint received 2021-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (GA)

NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX Ga XXXX has been sending me collection notices in the amount of {$330.00} XX/XX/2021.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.
Consumer complaint received 2021-12-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CONSERVE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-12-22
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)

First I want to say thank you for everything that you do. Happy holidays if you celebrate it. I need help please. 

*** Being a victim of identity theft is quite embarrassing and I want to make things right. My name is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complain myself. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but this one did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: INTERCONTINENTAL CAPITAL GROUP (NY)

PLEASE SEE ATTACHED DOCUMENTS FOR VIOLATIONS Pursuant to 15 USC 1605 ( a ) the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. Cash should not be included in a finance charge it should be all credit INTERCONTINENTAL CAPITAL GROUP has taken over {$120000.00} in federal reserve notes as a downpayment and many other fees Pursuant to 12 U.S.C 83 No national bank shall make any loan or discount on the security of the shares of its own capital stock which proves the alleged loan was paid for when I provided signature and social which makes any commercial paper a security ( Money ). Adding on INTERCONTINENTAL CAPITAL GROUP has not included insurance under 15 USC 1605b ( 1 ) which should have been included in the finance charge which makes them criminally liable under 15 USC 1611 for taking downpayment many other fees and not including my insurance in the finance charge. They Are also Civilly liable and mus return twice finiance charge
Consumer complaint received 2019-11-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I did a voluntary repossession of the vehicle I purchased on XX/XX/XXXX due to going into labor more than 3 months early for my daughter. I understood it would be a balance remaining on the loan with XXXX XXXX  XXXX also DBA XXXX XXXX I do not dispute that, however I filed bankruptcy and this debt was included in my bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX and the company is still reporting a balance and missed payments on my XXXX  and Equifax credit reports.
Consumer complaint received 2021-12-22
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. (RI)

I have opened numerous complaints towards TransUnion. They haven't reported my bankruptcy to any other credit reporting companies in fact they haven't reported anything since XXXX of 2019, which ironically is when I filed my bankruptcy and it was discharged in XXXX of 2019. TransUnion refuses to give that information, they continue to get the information to show me on my own copy of my credit report. That it exists and the dates, etc. But they refuse to give that info to anyone else. I have been on XXXX XXXX, XXXX, etc. and there is nothing new reported to them. The last thing they have is from XXXX of 2019, how can they get away with NOT REPORTING the correct information to other credit reporting companies. If the right info was being reported my XXXX XXXX would be way higher than it is. I have been dealing with this problem since XXXX of 2019, I want them reporting the right info immediately. Almost 2.5 yrs is enough, NO MORE EXCUSES!!!! I had a screaming match with 3 separate employees at TransUnion where they told me it wasn't their job to report to credit agencies ... WHAT?!?! After 30 minutes of talking in circles I hung up!
Consumer complaint received 2021-12-22
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: Experian Information Solutions Inc. (MA)

Experian has repeatedly not supplied me with a free credit report. Every year I use XXXX and I get the same message : " A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. '' This requires the cost of postage to remedy and does not include any details about the condition.
Consumer complaint received 2021-12-22
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. (VA)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2021-12-22
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. (VA)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2019-11-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capitol One Credit card company took over my walmart credit card that was through XXXX XXXX. I reviewed my first statement from Capitol one and I found there is a discrepancy on my balances on the statement. I used the card with a promotion of no interest for 6-12 or 18 months. So under my promotional balance it shows I owe {$780.00} but in the new balance field it shows {$910.00}. I called Capitol One and was on the phone for over an hour trying to get a reason for the discrepancy. I was on hold for long periods of time and then after all that time I was told I had to call XXXX XXXX because Capitol One could not see my previous statements so they would have to fix it. I called XXXX XXXX and was on with them for over a half hour and was told they no longer have access to my account I have to call Capitol One. I then called Capitol One and was on for 1 1/2 hours and was finally transferred to a Manager. The manager was very rude and disconnected me or hung up on me. I am not able to get anywhere with them on resolving this issue. I have never had an interest charge to my account and always paid on time. I have not made any charges on this account since XX/XX/2019. I want to know where they are getting the {$120.00} extra that I owe. I have no problem paying it if I can get proof I owe it. I want to file a complaint for Capitol One trying to get more money from me than I owe and no willing to find out why there is a discrepancy of {$120.00} when my statement shows perfectly well the balances do not match. I asked both representatives from Capitol One to file a dispute for me and have my account audited and they both refused to do so. I will not pay the difference of {$120.00} when I don't have an explanation on why it happened and proof.
Consumer complaint received 2021-12-22
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: EQUIFAX, INC. (NC)

Hello, I have been reporting unverified information on all 3 credit buraus, It has been several months and i have no heard anything or have gotten any response via email or address included in all 3 letters per bureau. I have significantly been affected by these unverified accounts and a violation of section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) has been breached. I had asked that all information be verified with proofs. I also Adked that addresses that do not belong to me be removed within 30 days. they are still on my credit and are affecting me significantly during this Epidemic, causing me to lose my home being i could not find get financial assistance due to poor credit history. I have mailed all 3 letters and kept track of dates and letters via a laptop in which i will attatch to this report.
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (CA)

On several occasions, TD Bank has debited the largest transactions before the smallest or before crediting deposits. This maximizes the overdraft fees that they charge. This time, I transferred money from XXXX and XXXX using their instant transfer service. The funds showed in my available balance and my debit card purchases were processed without incident. Today, XXXX-21, I was charged an overdraft fee. Looking at my bank statement, I see that, even though the funds showed in my available balance and my transactions were approved, last night, the bank processed my debit card charges before crediting my account with the automatic funds transfers. I called the bank to inquiry and to ask them to reverse the charge. They refused stating that during the weekend, they always process the debits before the credits. I asked to speak to a supervisor and someone identifying himself as " XXXX '' told a different version. He stated that the debit card purchase was actually a subscription purchase so they always let them go through and charge a fee. My transaction history shows this to be false. He stated that the payment went through on the XXXX. My transactions show the XXXX. There was a class action. There were CFPB orders. They settled and went right back to stealing from people. When is someone going to step up and stop this?? It's XXXX and this billion / trillion dollar bank is stealing from single parents and hardworking people.
Consumer complaint received 2023-02-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Im XX/XX/2023 I was charged {$97.00} by XXXX through Paypal, which then charges my XXXXXXXX XXXX account as the payment method, since I accidentally forgot to turn off auto renewal. I called XXXX the same day and the cancelled the membership and they refunded the full {$97.00} to the original payment method which was through PayPal. The problem is Paypal never sent the money back to my XXXXXXXX XXXX account. I have opened XXXX cases with Paypal and they have closed both without returning my money back to me. I have also called XXXX to see if maybe it was an error on their side but they have confirmed that PayPal never sent the money back. It has been more than 30 days since this has happened so there has been plenty of time for PayPal to process this transaction.
Consumer complaint received 2021-12-22
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. (TX)

Please remove these unauthorized and unverified inquiries from my report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2021-12-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I submitted a claim once I was released from XXXX claim said no provisional credit due to time Then the claim was denied I sent in police report Id verification from XXXX  and XXXX
Consumer complaint received 2021-12-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Social XXXX Re : Trans Union and XXXX In XXXX when I changed mortgage companies from a XXXX mortgage to a XXXX mortgage Trans union dropped my score by XXXX points on XX/XX/XXXX with no apparent reason. After a dispute they raised my score by the XXXX points and had no explanation. On XX/XX/XXXX my score went up by XXXX points, on XX/XX/XXXX it dropped by XXXX points. Overall, my balances decrease every month as when I make payments. I always pay at least two times as much as payment requested. For example, if XXXX has a minimum payment of {$220.00}, I send {$500.00}. My payment history on cards and mortgage is impeccable and my credit utilization is low about 35 % I also have no negative items on either a mortgage or creditor. All my balances were decreasing. My score is like a roller coaster. I am a healthcare worker and the activity in the hospital is off the charts again, so I do not need this aggravation on top of it. it is like a roller coaster. I did refile a complaint but am at a loss because it keeps dropping as my balances decrease, my payments on time. I also complained that there were unauthorized inquiries on my account they never responded. I feel frustrated and always had score in the good range, now in fair range, when I have always paid more than a creditor requested on a monthly bill. Any help or explanation would be appreciated. 



XXXX XXXX
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UMB FINANCIAL CORPORATION (VA)

Opened a XXXX  XXXX XXXX account under the terms to receive a {$200.00} bonus after receiving a portfolio review. 

Portfolio review completed on XXXX XX/XX/XXXX Account opened on XXXX XX/XX/XXXX Received only {$100.00} bonus after contacting XXXX XXXXXXXX on XXXX XX/XX/XXXX.
Consumer complaint received 2021-12-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc. (SC)

I never open this account in my name never heard of this account in my name I check my credit report seen this company on my credit and that's why I came here to report it never or heard of this account anyone can open an account in your name without knowing and I ask that this account be removed from my credit I don't have any knowledge of this account...
Consumer complaint received 2021-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MA)

Hello I am writing regarding Chase Bank savings account number XXXX and two transactions on my account that were wrongfully reversed in the amount of {$35000.00} and {$16000.00}. 

I am a business owner and a customer deposited {$35000.00} into my chase account on XX/XX/2020 with deposit ID XXXX. Please see attached deposit slip and screenshot of my bank account. I called Chase bank to confirm the transaction was good and that a reversal was not possible before releasing the merchandise to the customer. I was told by Chase that it is impossible for it to be reversed. Furthermore, I went into a chase branch to have them double check everything was good and the associate assured me everything was in order order. 

The customer picked up the merchandise in store which was a XXXX XXXX XXXX, a diamond Cuban chain and bracelet totaling {$35000.00}. 

On XX/XX/2020, I noticed a withdrawal of {$35000.00}. I contacted Chase, I was told there was a fraud and my account was blocked. The bank manager at the physical location was shocked that this would happen but could not offer any further help. I was told to contact customer support. 

Furthermore, I had an additional {$16000.00} balance in my Chase account and when the account was blocked by chase they took that {$16000.00} as well. Totaling a {$51000.00} loss on my end. 

Since XX/XX/2020, I have been in constant contact with Chase and no one is able to help me. I have spent hours on the phone getting bounced from department to department or hung up on. Additionally, I hired attorney, XXXX XXXX XXXX, XXXX, and he also has not been able to get a response from Chase as well. 

What I have gathered from speaking with chase is the customer that committed the fraud had made a deposit with account ending in XXXX from XXXX XXXX to my Chase account. 

This is a very big financial burden, I have many bills to pay and being a small business owner, I can not afford such a loss. Chase should have never cleared the bank deposit if it was fraud and furthermore taken the additional {$16000.00}. 

Please contact me at your earliest convenience to resolve this matter