davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (WA)

I started to refinance in XXXX from Mr Cooper former Nationstar and I singed disclosure on XX/XX/XXXX. Loan officer XXXX XXXX said I was approved on XX/XX/XXXX. Then processor XXXX XXXX took over and started to request the bank statements, mortgage statements and insurance declaration and HOA statements all over again and I provided them again. Then she requested many other items one by one without end. I sent numerous emails and made phone calls and she never responded. 

So I complained to XXXX her supervisor and requested to provide list of items she needs all at once. She still did not do that. I continued to provide what she requested for 2 months and she often required what I provided again. XXXX XXXX said if I pay off my credit debt, XXXX will set up closing on XX/XX/XXXX. I did and sent receipt. Then XXXX came up with another issue of XXXX Interpretation business which I never did. I explained. Then she said my XXXX XXXX XXXX is delinquent and I renewed. After all I provided everything they requested and it was Mr Cooper which took time, they said they can not close the loan. 

Then I told them I would report to CFPB and FTC if they do not close the loan. Then XXXX XXXX sent email and said they would reinstate if I provide XXXX statements for my two properties. XXXX XXXX XXXX XXXX XXXX WA and XXXX XXXX XXXX XXXX WA properties. I still do not know why they requested XXXX statements again although I already provided XXXX and XXXX statements. I provided XXXX statement as soon as I started the loan. I provided XXXX statements on XXXX. 

But they sent online decline on XXXX after I did everything they requested for 4 months. They checked the reason the company declined was due to my credit. The credit was checked on XX/XX/XXXX and my mid credit score was XXXX. XXXX XXXX knew my credit from the beginning and started to do the loan and more than once he said my loan was approved. I also refinanced 3 other properties recently. So this can not be the reason. If it had, he should have declined on XX/XX/XXXX and he should have not wasted my time and employees of the company time. This is truly unacceptable business practice. For 4 months I worked so hard to provided items over and over again. There are all email trails that show how poor, inefficient and careless their services were and how they neglect and ignore their customers. 

As a realtor and an investor, I did many loans and helped my numerous clients in getting loans and I also refinanced 3 other loans recently but have never experienced such poor business practice as Mr Cooper does. It feels like they are playing with customers. I googled and found complaints from many other customers and some said Mr Cooper was the worst company they had. I feel and think something must be done to stop such unfair and bad and poor business practice so that other people do not go through what I and other clients did.

Some companies are too big and they don't care and I think Mr Cooper is one of them.
Consumer complaint received 2016-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance Collection Agencies, Inc. (DE)

I signed a contract as a condition of employment with a commercial trucking company. In the contract it states " Promise to Pay. By signing this agreement, you promise to repay to XXXX the value of the XXXX if you do not complete XXXX paid solo miles. You are responsible for repayment if you voluntarily terminate your employment or you fail to maintain your driving qualifications other than your physical qualifications '' I was terminated by the company after having a small accident. I did not voluntarily terminate and was still qualified to drive. I did not break the contract and was acting in good faith with the company. The company did not tell me at the time of my termination that they expected me to pay this money. They withheld a small portion of my last pay and this is how I found out about their intentions. I called the company 's HR department and they refused to discuss the issue of owing a debt and said that a collection agency would contact me. The collection agency that contacted me was sent XXXX registered letters explaining that I did not owe the money. I have contacted an attorney two times to receive guidance on this issue. The collection agency has called me six times after receiving the letters. My former employer does not have a right to seek this money by the nature of the wording in the contract. I wish to have this resolved without having to seek legal action in a court of law.
Consumer complaint received 2021-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

I contacted paramount recovery systems, a debt collection company on XX/XX/XXXX. I informed them that the information they were reporting on my credit report was incorrect and to place my account in dispute status immediately. I have since obtained a letter from the original creditor that reflect the account has a XXXX balance. My insurance company had paid on the accounts in XXXX. Therefore, the collection accounts have been placed on my credit report in error and should be removed immediately. It has caused me harm because I have tried to obtain credit and was denied due to these accounts showing on my credit report. It has been over 45 days since I initiated the dispute and the negative account is currently reflecting on my credit profile as an unpaid debt.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NJ)

Credit Bureau Dispute Resolution Wells Fargo XXXX XXXX XXXX XXXX, MN XXXX Dear sir, Thank you for your letter regarding my closed account of Wells Fargo . Since this account and attached credit card were meant for my small business, registered as the XXXX XXXX in New Jersey, I do not have sufficient information to satisfy your interest ; however, I will try to write down whatever I remember. The account was closed just after my admission to XXXX XXXX XXXX with the intention to move to XXXX, NY which had the right program at XXXX for my child. Since Wells Fargo did not have the branch in XXXX area, I determined to close the account for the preparation of next step after the Pandemic. However, with some reason, our path had changed and staying still in XXXX XXXX, NJ. As your record must have shown, I must have closed the account around the beginning of XXXX with decision to re-start XXXX XXXX after a few years of employment in XXXX area. I remember I conversed with the teller at the branch in XXXX XXXX, NJ. 
The information requested as below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Unfortunately, I do not remember the account numbers of both checking account and credit card made for the XXXX  XXXX. 
XXXX XX/XX/XXXX of XXXX Regarding Wells Fargo, I remember there is no mention just the names of soft inquires. Most likely, the accounts were made for my business, the XXXX XXXX, therefore, it might not be included into my, XXXX XXXX, credit report. In this point, it is not clear due to the shortage of knowledge on American system. 
I enclose the Identity Theft Report. 
If you need more information, please let me know. Due to the malfunction of my computer, possibly because of the hacking from several sources, the visionary effect is not perfect to create the satisfactory results. I apologize it. 
Sincerely,
Consumer complaint received 2021-12-29
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: CITIBANK, N.A. (MA)

XX/XX/XXXX I received multiple items from XXXX XXXX that cost approximately {$5000.00} dollars. The XXXX XXXX XXXX team was present to assemble all items for a fee of {$340.00}. One of those items was a XXXX XXXX ( {$1900.00} before discounts ) that came with a back piece that did not fit properly. The delivery team was unable to fully assemble the sideboard with the back piece that came with the order and they also left bolts and screws in a bag inside the sideboard for when the new piece arrives, as those will be needed for the next delivery team to put together. The delivery man took photos and I took photos. I called XXXX and sent them my photos. They told the credit card company that I waited a week to notify them. That is untrue. I have many many emails that I submitted to the credit card company in a timeline that was easy to follow if one took the time to read them. I also have many photos. Because I never received the back piece, the top of the sideboard warped ( pictures were submitted ). The sideboard is sitting at my house still to this day. It's never been used and is totally unusable without a back piece and screws and bolts still sitting in a bag inside. When days went by without communication or answers from XXXX I disputed this with the credit card used. 

In that same order and on that same day there was supposed to be 4 XXXX chairs ( 2 sets of 2 chairs ( {$1000.00} before discounts ) and again the {$340.00} XXXX XXXX XXXX XXXX to assemble these chairs. The delivery team said the 4 XXXX chairs were not on the truck. I called XXXX that day and told them this as well. They said they would put a trace on them. I have never received these chairs. XXXX told me that they were aware that I never received these chairs, and still has not refunded me for the missing chairs. The chairs and the XXXX XXXX XXXX XXXX  was added to the above credit card dispute. 

To summarize, I have received damaged merchandise from XXXX and charged for merchandise and services that I never received. I have been notified by my credit card company ( Costco Citi Visa ) that the dispute has been resolved in XXXX 's favor. That was XX/XX/XXXX. My husband contacted Citi Visa on XX/XX/XXXX and they have not re-opened the case. Our Costco Citi Visa credit card has charged us {$3400.00} which is payable in XX/XX/XXXX. My husband gave me this website upon his research and our credit card company has not notified us about our appeal options. 

Thank you and your agency for your anticipated effort in resolving this matter. 

Respectfully submitted, XXXX and XXXX XXXX
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

There is a XXXX XXXXXXXX account on all three of my credit report. On my Experian it says I have a late payment on XX/XX/2018. On my XXXX and XXXX credit report it says i have a late payment in XX/XX/2018. 
Each credit bureau is reporting different information that is not valid.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

There is a XXXX XXXX  account on all three of my credit report. On my XXXX it says I have a late payment on XX/XX/2018. On my XXXX  and Equifax credit report it says i have a late payment in XX/XX/2018. 
Each credit bureau is reporting different information that is not valid.
Consumer complaint received 2021-12-29
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)

To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof that the method you used to allegedly verify this item was invalid. 

Item in question : Bankruptcy You stated that your process to verify this item was through XXXX. I sent you notice that your process was not valid due to me going directly to the company and them not being able to verify the item. You then replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I plan on filing a complaint with the CFPB, and XXXX against your company is this bankruptcy is not deleted from my credit report IMMEDIATELY!
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX T XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference # : XXXX Medical XXXX Balance : {$130.00} ; XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX CO XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-29
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)

I have disputes with TransUnion about the information on my credit from XXXX XXXX. I called and requested the service be turned off because No one was in the home because my son was in the hospital for a XXXX, it was never done but they continued to bill me. TransUnion has left this on my credit report and has damaged my credit. XXXXXXXX XXXX has been sued by the FTC along with law enforcement agencies from at least 6 states. The XXXX has received XXXX complaints in the last 3 years and XXXX in the last 12 months for the same issue I have complained about.and yet TransUnion still has yet to act on my complaint. XXXX XXXX has a XXXX rating. Obviously TransUnion did not do a in depth investigation because if they had they would have found the complaints from the XXXX  and seen that it was the very same complaints I had. Per the XXXX  WEBSITE; On XX/XX/2019 and XX/XX/2019, XXXX attempted to contact XXXX XXXX XXXX regarding a high volume and pattern of serious complaints. XXXX received complaints in the alleging customer service issues, missing appointments, decline in services previously handled by other providers who XXXX has assumed, billing issues including additional service charges for periods once the consumer has cancelled services.
Consumer complaint received 2022-11-12
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$28000.00}
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (NJ)

XXXX hired XXXX XXXX XXXX to collect on prior debt that does not belong to me. This is the 3rd time that XXXX has attempted to collect the debt. Each time the debt has been removed. Under the FCRA this is a continued violation that XXXX, XXXX, XXXX, and XXXX are executing against me. 

Attached is proof of removal/deletion of this prior debt from the previous debt collector that XXXX hired XXXX 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) )
Consumer complaint received 2021-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (FL)

Weekly voice mails from AMCOL ( XXXX ) XXXX asking me to call about owed debt. Returned call and will not identify what debt, which organization, service or goods. Told do not call again, but still receive robocalls. First call back to them I asked them to send me copy of this supposed bill. Will not do it. Wanting Date of Birth, SSN, etc. They should have my address and I gave them my email address to send this debt info. They certainly have my phone number.
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (IL)

Today I received email and text message for a credit card from Navy Federal Credit Union demanding payment for amounts already satisfactory satisfied. After noticing of the Billing error Navy Federal continues to collect the amounts in question. They have only ignored my request for more documentation as outlined by law. I feel that they are attempting to role over me and continue to hurt my credit worthiness. I regret ever doing business with this organization. To this date I have received no evidence that the amounts they are demanding have not already been satisfied. Without the accounting for the amount claimed. Every credit and debit on this account is in question due to the lack of compliance regarding the initial billing error of {$2000.00}. All documentation as outline in internal revenue manual is warranted to ensure no other amounts, credits, debits, or credit insurance has been negligently look over. Please submit the evidence you have regarding this accounting. Please refrain from any adverse action on this account.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 3 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2021-12-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC (FL)

I have already contacted Mariner Finance about this fraudulent inquiry. I have recorded phone conversation promising that the fraudulent inquiry would be removed. They still haven't removed the inquiry. I was recommended to place a security/fraud alert on my credit file which I have already done. Mariner Finance must remove this inquiry because I didn't authorize it.
Consumer complaint received 2021-12-29
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)

Upon receiving a copy of my consumer report. I seen there was numerous fraudulent accounts taken out of my name. I have contacted the consumer reporting agencies. I have contacted the creditors. I have done a FTC report XXXX  report. With no resolution insight. I am a victim of identity theft. The situation has caused the great distress loss of sleep as well as XXXX XXXX Due to this fraudulent information being Furnished onto my consumer report