davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Fair credit reporting act, Account XXXX XXXX XXXX XXXX Account number XXXX has violated my right. 

15.4.s.c.1681 section 604 A section 2. 

Please remove account.
Consumer complaint received 2019-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

XX/XX/XXXX This complaint is in reference to : Mr. Cooper Mortgage Co. ( formally Nationstar Mortgage LLC ) Attn : Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern : I am writing to dispute a late fee of {$83.00} that was included in my final mortgage payment.

On XX/XX/XXXX, Mr. Cooper Mortgage Co. Received my payment of {$1600.00}. This was the total amount due on my final mortgage loan statement. Per the statement ( enclosed see First Mortgage Statement ) late fees were to be imposed if payment was received on or after XX/XX/XXXX.

On XX/XX/XXXX, I received notification from my bank stating that this payment was not cashed and returned to my bank account.

On XX/XX/XXXX, I was in contact with a customer service representative from Mr. Cooper Mortgage Co. in reference to a second mortgage statement I received for {$3400.00} ( enclosed see Second Mortgage Statement ) and according to the Mr. Cooper customer service representative was an error. During that conversation, I was told she would email me the corrected statement.

On XX/XX/XXXX, I received ( via email ) from the Mr. Cooper Mortgage Co. customer service representative, a third mortgage statement ( enclosed see Third Mortgage Statement ) with a {$83.00} late fee ( and a $ XXXX County Recording Fee ) for a total of {$1900.00} and was told this was to be wired ( as indicated on the statement ) to Mr. Cooper within 48 hours or there would be another late fee imposed on my account.

On XX/XX/XXXX, I wire transferred the total amount of {$1900.00} to Mr. Cooper per the instructions to avoid a second late fee.

In working with the Mr. Cooper customer service representative, I was told that a request was made to remove the late fees and once the final payment was made, I would receive a check in the amount of {$83.00}. I never received the check and contacted a second customer service representative. A second request was submitted to reimburse me the {$83.00} and again, I had not received the check.

On XX/XX/XXXX I spoke to a supervisor who informed me that because the loan had been paid off, I would not be reimbursed the {$83.00}.

On XX/XX/XXXX Mr. Cooper Mortgage Co. received from me a correspondence describing the order of events described here. They have responded with a letter ( enclosed see Response from Mr. Cooper ) by stating that the late fee was valid due to the XX/XX/XXXX payment ( although it clearly states the late fee would be imposed if the payment was received on or after XX/XX/XXXX ) and I would not be reimbursed the {$83.00}.

Mr. Cooper Mortgage Company received my final mortgage payment on XX/XX/XXXX fourteen days prior to the late fee date of XX/XX/XXXX and I wire transferred the second payment within 24 hours of receiving it and feel it is only right that I get reimbursed for the {$83.00}.

Can you please assist me in resolving this issue? 

Sincerely
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I already reached out to Experian and to XXXX XXXX and XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX obtained my consumer credit report on XX/XX/2022 without my consent from Experian with no lawful good reason. I do not do business with them and never attempted to. This violates my privacy rights and is of grave concern to me since I continue to be a victim of identity theft and Experian has neglected to remove fraudulently and inaccurate reporting from my consumer report. I have also been denied for credit products recently due to these fraudulent items. I have called and sent a letter asking for this to be rectified and I have been ignored. 15 USC 1681 4 and 15 USC 1681 4 VIOLATIONS DO NOT TRY TO SAY THIS SI N'T ME AS A STALL TACTIC. I HAVE INCLUDED MY IDENTIFICATION!
Consumer complaint received 2022-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am not the owner of the accounts, I wonder how they obtained my information, I never received any correspondence from them, please delete this from my credit reports XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX 11 XXXX   XXXX ) 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 2019-01-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (IL)

I have no contract with this company and no one has ever reached out to me in regards to this debt written or verbally. It is illegal to put something on a credit report without consent and not letting the other party know about it. Furthermore, this debt is unverified and there is no real proof that I in fact owe this debt.
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NY)

Called Edfinancial on XX/XX/XXXX to request a refund for the total amount of payments I made during the pandemic, when payments were paused and not required. The first rep I spoke to was not very knowledgeable and gave bad info more than once. I first tried confirming whether or not Edfinancial had my income information on file. I was told by the first rep that they did not ; however, I am enrolled in a income driven repayment plan, so they would have to have my income info on file. The representative 's first answer was for me to call the dept of ed. 

I then requested a refund and was told that the amount being refunded would only be {$800.00} or so dollars. This was very confusing to me since I've made almost XXXX XXXX in payments since XXXX XXXX XXXX Again i was told that I'd have to call the dept of ed for more info ; however, after some time of arguing and trying to reason with the rep, the rep then realized she made an error, recalculated, and then advised that my total refund amount would be {$2700.00}. This is still inaccurate because the total amount in payments I've made since XXXX XXXX XXXX is exactly {$2800.00} ; however, I did not realize this error until the day after. 

I was then told by this rep that it could take up to 6 months until I get my refund. I was also told that my balance would be reinstated back to its original balance, before I made those payments, in the coming days, even if my refund hasn't been issued to me. 

I then called back and spoke to rep # 2 on XX/XX/XXXX to confirm that my refund was being processed. While speaking with rep # 2, I was advised that my loan balance won't be reinstated until I received my refund. 

I feel like I was given completely wrong information. Not to mention, other loan servicers are processing refunds in sometimes 72 hours, yet Edfinancial doesn't even know when they will be processed/ issued. 

I now have received in the mail ( XXXX ) a letter from Edfinancial advising me that my personal data may have been stolen in a security breach with XXXX This is absurd.
Consumer complaint received 2019-01-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I told these people by phone, not to call me ever again about three months ago. I also reminded them of the law that makes it illegal to repeatedly call and harass, after they have been told to stop. They asked me to send them a signed, written notification, which I did. I told them I was aware of the debt and would start paying as soon as I could. They continue to call.
Consumer complaint received 2022-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/2022 XXXX XXXX suggested I applied for a Capitol One Credit Card, through XXXX XXXX, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than XXXX points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with XXXX by XXXX points. I tried to locate a number for XXXX XXXX to speak with a personal customer service about my concerns. But could not locate a contact number on XXXX XXXX 's website, nor any assistance with this type of complaint. I've spent hours today XX/XX/2022 talking with XXXX and Capitol One representatives for an explanation to why my credit score dropped so significantly. Hours on the phone with both agencies have not given me an explanation to why my credit score dropped XXXX points.
Consumer complaint received 2023-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

This occured XX/XX/XXXX in the am and I paid {$780.00} to the scammer. A business I found on XXXX promised to provide services up to % 50 percent off the options they provided so I chose the XXXX order for % 50 off services. When I paid and provided proof to the company that the payment had gone through communication from the company stopped and services were not provided to me. After realizing that the payments were being declined I contacted the company for the services not provided and they would not allow a refund for services promised but not provided. I then contacted cash app and they refused to do a dispute and advised me to call which I called my bank to reverse/ dispute charge due services not provided but also bank declined dispute. So I am at a loss of my money and this scammer is just stealing people money for services promised and not provided. Cash app should do better since they allow this app for large money transfers but can assist with scamming.
Consumer complaint received 2023-01-26
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. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXXXXXX - Partial Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Partial Account # XXXX XXXX XXXX XXXX  - Partial Account # XXXX XXXX XXXX XXXX Partial Account # XXXX has violated my rights in more ways then one. 15 U.S.C. 1681 section 602 A States I have a right to privacy. 15 U.S.C. 1681 section 604 A Sec 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681i states that Experian, XXXX XXXX XXXX XXXX shall free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, OR delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Consumer complaint received 2022-09-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BC SERVICES, INC. (CO)

On XX/XX/22 I was contacted by BC Services in regards to a Hospital Bill, the Rep offered that this will ruin/hurt my credit it I did not pay that day.

The NO SURPRISES ACT enacted by the House or Reps states that Hospitals have to offer the prices for services upfront. This did not happen.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (WI)

Check # XXXX dated XXXX in the amount of {$1400.00} was cashed and cleared my account on XXXX. Check was to XXXX XXXX XXXX XXXX in XXXX, WI. The check was stolen out of their mail box and cashed thru Wells Fargo Bank NA Minnesota # XXXX. two people signed the back of the and and forged my signature also on the back of the check. Bank First let the check clear my account. I signed an affidavit of Alteration or Other Fraudulent Act form on XXXX. Wells Fargo should have never cashed this check since it was no XXXX XXXX XXXX XXXX  signature on the back. Per Wells Fargo said it is in process. Bank First claim they check on it every week with Wells Fargo. It's been way to long and Wells Fargo or Bank First needs to reimburse my account.
Consumer complaint received 2022-09-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have requested via certified mail for this company to send me a document bearing my signature showing this debt is mine. I have no knowledge of this debt as it does not belong to me. To date, I have only received threatening letters stating they will sue me. This is violating my rights and is illegal. Cease and desist all communication with me. Furthermore, delete these inaccuracies off my credit report.
Consumer complaint received 2019-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX : Amex admitted that it LIED to me TWICE in a letter it sent me re : my orig CFPB complaint. 

XX/XX/XXXX : American Express has refused to honor the bonus promotion of XXXX XXXX miles when I opened a new XXXX  Gold Amex card in XX/XX/XXXX pursuant to an AMEX solicitation to apply! I met the terms of the offer -- spend {$2000.00} within the first 3 mos for XXXX miles. By mid-XX/XX/XXXX, I spent $ 2500+. Thus, AMEX was supposed to credit my XXXX  acct with XXXX miles. It never happened. Amex refuses to acknowledge this solicitation for my application w/o which I would NEVER have applied. 

On or around XXXX XX/XX/XXXX : I chatted online w/ Amex to inquire re : the status. See attached screenshot. Amex claimed to have opened a case to investigate the terms of the promotion and needed to be reviewed and it should take no longer than 6-8wk. Amex NEVER got back to me. I never received my XXXX bonus miles. AMEX now ADMITS that it LIED when it said it would investigate. AMEX has done NOTHING to compensate me for its LIES and BROKEN  PROMISES On or around XX/XX/XXXX : I called Amex to close my account now that I was being charged {$95.00} for the annual fee. I inquired about the XXXX bonus miles. Amex confirmed that I met the terms for the promotion. XXXX XXXX Case ID Dispute XXXX. He put notes on acct. XXXX stated that he's also including {$95.00} annual fee in the dispute to be waived. I asked to change the card to one w/o an nonannual fee, but XXXX said that bonus miles might not be credited. I disagreed since I met the terms of the promotion a year ago and the fact that it hasn't been appropriately and timely credited shouldn't force me to keep my acct open now. But AMEX advised that I have to keep the card as XXXX Gold if I want to get the XXXX miles. 

My concern was that if I don't close the card within 30d of the annual fee charge, Amex won't ever credit it. XXXX assured me that it would be credited when the XXXX bonus miles are credited. I asked When should miles post? He said 6-8wk, but I should see it in less than month. 

XX/XX/XXXX : AMEX admits it LIED re : 1 ) the XXXX bonus, 2 ) that it would investigate in XX/XX/XXXX, 3 )  that it would investigate in XX/XX/XXXX, and now 4 ) my prediction is true : AMEX TRICKED me into keeping my acct open for this ALLEGED INVESTIGATION THAT IT NEVER DID and charged me a PRORATED annual fee WHEN I STOPPED USING THE CARD in XX/XX/XXXX and ONLY KEPT IT OPEN b/c AMEX PROMISED IT WOULD INVESTIGATE the bonus promotion. I have indisputable proof of AMEX 's promises that it can not deny! 

AMEX and its employees are DISHONEST, UNETHICAL, and LACK INTEGRITY. I will NOT PAY this fee which ONLY resulted b/c AMEX TRICKED me into keeping my acct open for an investigation it said it would conduct only to find that Amex NEVER did any investigation over a one-yr period. I foolishly TRUSTED AMEX but I won't be fooled again.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (UT)

My business partner ( XXXX XXXX XXXX ) died XXXX XXXX, XXXX, in an automobile accident. XXXX XXXX was the only signer on our Wells Fargo business bank account for XXXX XXXX. We are trying to close down XXXX XXXX with the IRS, but there is approximately {$7000.00} in our Wells Fargo business bank account that Wells Fargo will not release. We provided Wells Fargo with all of the information we had access to about the death of XXXX XXXX XXXX. We seek help to get Wells Fargo to release the money they are holding for XXXX XXXX.
Consumer complaint received 2022-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NV)

XXXX XXXX XXXX in XXXX, NV, has allowed my ex-husband and his girlfriend to use an account I opened in XXXX, and I have not used it since XXXX for services in XXXX to treat their pet ( XXXX ). My ex failed to pay the bill ; XXXX XXXX XXXX sent me to Allied Collections in XX/XX/XXXX & my credit was significantly affected. I never authorized any services, nor did I even think I had an active account with XXXX XXXX XXXX since I have not used their services in over a decade. I divorced my ex-husband in XXXX & even had to file XXXX in XXXX due to the divorce. I have worked diligently to regain my high credit score, and now this. I have contacted XXXX XXXX XXXX XXXX Allied Collections to dispute this, offered proof of my divorce & bankruptcy, etc. .. ( Please see attached ), and was told by Allied Collections that " it is not their problem, & to deal with my ex-husband and XXXX XXXX XXXX XXXX '' I have not had contact with my ex-husband in over XXXX ( XXXX ) years, and due to his violent history, I will not have contact with him. XXXX XXXX XXXX refuses to call me back after I have called over a dozen times requesting to speak with their accounts manager to discuss why they haven't updated their files in over a decade, allowed someone to use my name & info for unauthorized services, and refuses to contact Allied Collections to have the collection removed. XXXX XXXX XXXX committed fraud by not updating their records in over ten years, allowing my name and credit to be tarnished & they refuse even to discuss and fix it. The Allied Collections people refuse to speak with me and just demand I pay them off. This is extortion, fraud and I have tried disputing it with the credit bureaus proving I am right with my Divorce Decree dated in XXXX, a police report I filed against XXXX XXXX XXXX for fraud.. etc. XXXX said the collection agency just said it was a legit collection. All my supporting evidence & documentation doesn't mean XXXX because a collection agency that just wants money says it isn't. My credit was at almost XXXX before this, and I have not had one late payment on my credit, and still don't except for this fraudulent collection. Please help.
Consumer complaint received 2020-12-23
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.