davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

New Complaint Experian has locked me put of my open accounts because of me reporting them and the law states consumer is supposed to be able to access there credit scores with ease i also paid for membership and still nothing form that site, I am Depressed Very Bad, Experian is hurting me causing damages where as i am moving this month and can not let them check my credit due to experian dropping my score drastically. It has cause headaches and pain not to mention XXXX knowing, my chances are next to none now because of experian. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to Experian Furnishing, Housing or producing my personal Information. I did not give written consent for Experian to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law
Consumer complaint received 2019-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

Good morning CFPB, In XX/XX/XXXX the servicing on my home mortgage was transferred from XXXX XXXX XXXX to NationStar Mortgage dba Mr. Cooper. Effective with my XX/XX/XXXX payment, I was instructed to begin making my monthly payments to Mr. Cooper. 

I will note that I am in an active Chapter XXXX bankruptcy. At the time servicing was taken over by Mr. Cooper, there was a small amount owed in mortgage arrears, but I was nearly complete in paying my past due payments. By XX/XX/XXXX, I had completed all arrears payments and was once again current on my home mortgage. 

The Problem : Since Mr. Cooper took over servicing on my account in XX/XX/XXXX, I have NOT received a monthly mortgage statement. I have contacted the lender multiple times in writing and via telephone requesting a mortgage statement. I was told my property was flagged for surrender and I stated that was completely inaccurate - the whole purpose of the Chapter XXXX bankruptcy was to keep the house. They performed research and discovered the account had been flagged incorrectly when servicing was transferred. The lender promised everything had been resolved and I should start receiving my monthly statement in XX/XX/XXXX,,, ,then it was going to be XX/XX/XXXX ... and now they've said I should receive it for the XX/XX/XXXX payment .... still nothing. 

This lender has demonstrated a lack of accuracy and transparency in the handling of my mortgage account and my only tool for tracking and transparency is the monthly mortgage statement to which I am entitled as per the XX/XX/XXXX CFPB rule. 

I would greatly appreciate assistance in achieving resolution with this matter.
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-04-06
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2019-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I make extra principal payments on a monthly basis. Last month PHH Mortgage took an extra {$13.00} out of the extra principle to pay for the recording fee 's for an assignment of mortgage that was recorded in the clerk of courts the month prior XX/XX/2019. 
They should be absorbing this cost not I as they received the loan from Ocwen XX/XX/2019. 
Also note that according to the clerk of court in XXXX County Florida the legal description in the assignment of mortgage is also incorrect. I have called 3 times and I still have no answers. 
They also caused my homeowners insurance to be cancelled and then reinstated. 
Because the insurance company never received noticed they were now servicing the loan. That occurred in XX/XX/2019
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

See attached documents below, which indicates from a recent dispute and data breach which my information was banking information was all compromised. XXXX has deleted XXXX XXXX from my credit file/credit report as per their investigation. I am requesting for XXXX and Experian to also delete this fraud account from my credit file as well. I will keep disputing this account as many times needed. As XXXX XXXX is trying to collect moneys not owed and also this account was opened fraudulent which they are already aware. XXXX  and Experian are not complying and slow to respond. As XXXX  has already resolved the issue and deleted this file.
Consumer complaint received 2019-09-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Patenaude & Felix A Professional Corporation (OH)

I have had trouble paying my private student loans this past year. Many loans became delinquent and were moved around from different servicing agencies. National Collegiate Student Loan Trust & XXXX XXXX XXXX XXXX filed a lawsuit, " Summons Civil Action '' in the XXXX County Courts, case # XXXX. I reached out to the law firm representing National Collegiate Loan Trust and they said there is no way to contact " their '' client and they are refusing to provide me with payment history on the loan that was originally taken out through the lender XXXX XXXX XXXX XXXX, XXXX. for {$6000.00} on XX/XX/2005. I have made many payments towards this loan over the past 10 years, but National Collegiate and their affiliates refuse to provide that information. I have been calling all of my loan services to get all of my history.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I filed a claim for an unauthorized charge in XX/XX/2019. The company never followed up concerning the investigation. I paid the entire balance of the card off with the exception of the disputed charge of {$210.00}. I have received notices from syncrony bank stating that I am not liable for the charge during the period of the investigation yet I continue to receive monthly statements that I am paying. When I brought this issue to the banks attention they told me to ignore the monthly statements. The bank can not continue to charge me for this disputed amount and I can not ignore a statement, it will ruin my credit.
Consumer complaint received 2019-09-25
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: The Outsource Group, Inc (KY)

I am being billed for a service that was paid by two insurance companies including XXXX and received a letter stating what I am allowed to be billed and they far surpassed that and also being billed for people who were never in the room!
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (PA)

I opened up an American Express Platinum card from American Express over the phone. On the phone call I was promised a promotional reward of XXXX points for signing up if I made {$5000.00} in purchases in the first three months. I signed up for this credit card on XX/XX/2019. I spent the more than {$5000.00} on the card within two months but did not received the promised sign up bonus. 

I called American express to check on the status of the sign up bonus and they told me that after I had signed up they decided to review my account and determined that I would no longer be eligible for a sign up bonus. After contacting them they gave me a case number and said they would review it further as I had been told I would receive the XXXX sign up bonus on the phone. They told me they would email me with a resolution shortly. When I had not heard back after 3 weeks of waiting I contacted them again and they told me that they would not give me the sign up bonus for the credit card because I had previously received sign up bonuses on other American Express cards. 

I have exhausted my options dealing with the company and am disgusted by their bait and switch tactics. They promised me a sign up bonus of a certain amount over the phone and then failed to deliver it when I met the terms of the sign up bonus. They sure didn't have any problem charging me the entire {$550.00} annual fee immediately though! 

I would not have opened the credit card with them if I knew I wasn't going to get a XXXX point sign up bonus. I signed up under that pretense and they changed the conditions after the fact, which seems like a predatory tactic.
Consumer complaint received 2019-04-01
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. (NJ)

In XX/XX/XXXX I purchased a vacation for my XXXX birthday for my mom, sister and myself. I charged my mom and sister 's vacation on a XXXX card. I purchased my vacation on the Citibank card. I booked the vacation through Cheap XXXX. When we arrived to our vacation spot the hotel recommended by XXXX XXXX was an all-inclusive resort which was supposed to include the following but not limited to, non-motorized water sports, daily activities, nightly live shows and entertainment. 
The first evening our room did not have electricity for two nights and the " all-inclusive '' resort did not have the amenities that it was claimed to provide. I attempted to work with the merchant and the hotel and their recommendations were not acceptable to me. 

Upon my return from the vacation, I disputed the charges with XXXX and Citibank. XXXX was able to recover the disputed amounts and Citibank responded on the last week of XX/XX/XXXX that they were not able to recover the disputed charge of approximately {$360.00}. 

I had called Citibank to discuss their decision and after speaking with a variety of associates at Citibank they told me that I did not accept the merchant 's suggestion to move to another resort. XXXX XXXX of Citibank told me her position was with the Executive Response Unit of the President of Citibank. She actually insinuated that I should have moved to another resort. Ultimately, the associates of Citibank should not discuss what options I should have taken and Citibank should have handled recovering the disputed amount with the merchant because what was offered was not provided and their recommendation to move to another resort one day prior to my departure was not an acceptable solution for me and my family.
Consumer complaint received 2019-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth financial system has place a collection on my credit report and the debt is not mine. This was already disputed and removed from my credit report, which was reported by XXXX XXXX XXXX XXXX XXXX amount of XXXX. The date was XXXX of 2013. My dispute is I have insurance and am not aware of the time frame Im seeing in my credit report. It also says date of first delinquent is XX/XX/13. Ive always had insurance, this is some type of fraud or someone used my information to seek medical treatment.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently pulled a copy of my credit report and noticed the following information are listed in error. The FERA states that the only permissible purpose for pulling someone's credit report is A ) firm offer of credit B ) c insurance C ) employment or D ) a court order The following inquiries are related to none of the aforementioned permissible purpose * XXXX XXXXXXXX -- XXXX XXXX * XXXX XXXX XXXX- XX/XX/2023 Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 
Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.
Consumer complaint received 2019-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (PA)

On/about XX/XX/XXXX, I received a notice from collections agency Capital Accounts claiming that I owed {$53.00} to a company called XXXX XXXX for an XXXX exam I had back in XX/XX/XXXX. 

I replied to Capital Accounts on XX/XX/XXXX via a certified letter ( copy attached ), indicating that I was disputing the debt, and asking them to verify the debt. I also informed them that because I was disputing the debt, they should not report it to the credit reporting agencies, and if they had already reported it, to please contact the credit reporting agencies and inform them that the debt is disputed. I also said that aside from verifying the debt, they should not contact me again. 

I never received any further written communication from Capital Accounts, and certainly no verification of debt, but I did receive at least two phone calls. One of the calls was indeed threatening in nature, where the caller started off the call by yelling at me and saying something along the lines of I had 'better pay up. ' In the meantime, I had reported the issue with the medical provider to the PA Attorney General 's office. The AG 's office launched an investigation, but where unable to resolve the issue with the medical provider. I maintain that the medical provider engages in dishonest billing practices, but decided to just pay the {$53.00}, rather than hire a lawyer. The final letter I received from the AG 's office was dated XX/XX/XXXX. On XX/XX/XXXX, I submitted payment to Capital Accounts via their website. 

I just today ( XX/XX/XXXX) received a recent copy of my credit score, and it seems that Capital Accounts reported the " debt '' to credit bureaus anyway, which I understand goes against my rights as a consumer. I would very much appreciate an investigation into this matter.
Consumer complaint received 2019-09-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XXXX 2019 I applied to USAA Federal Savings Bank for a refinance home loan. I wanted it to pay off four accounts at XXXX. They were as follows No.1. a home equity loan interest only loan of {$78000.00} and No.2. a personal loan of {$12000.00} No.3 a credit card balance of {$4700.00} and No. 4 another credit card balance of {$4900.00}. for a grand total of {$100000.00}. 
They fixed the loan amount to me to pay is {$100000.00}. 
As of XX/XX/2019 the funded amount to me was {$77000.00} directly to the XXXX and two checks sent to my home. one was for {$13000.00} to be cosigned by me and the bank. The other was for {$8600.00} for my signature only. They hadn't notified me of the amounts. They gave me the final disclosure document with another 100 pages needed my signature and initials on Friday XX/XX/2019 to a notary public. The three day notice for me to cancel the contract was given on XX/XX/2019 and would expire on XX/XX/2019. 
There have been other restricted problems involving the appraisal problem with my pool and needing a lawyer to explain my trust report to them.
Consumer complaint received 2019-09-25
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. (FL)

XXXX HAS ON INQUIRIES ON MY REPORT THAT ARE NOT MINE. 

NOT MINE : XXXX XXXX XXXX -- XXXX XXXX -- EQUIFAX MORTGAGE SERVICE -- XXXX/XXXX -- XXXX XXXX XXXX -- XXXX XXXX  XXXX  -- XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX -- EQUIFAX MORTGAGE SERVICE -- XXXX XXXX -- XXXX-XXXX -- XXXX XXXX  -- I XXXX XXXX -- XXXX XXXX XXXX -- XXXX -- XXXX XXXX   XXXX -- XXXX XXXX, XXXX -- XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX -- EQUIFAX MORTGAGE XXXX -- XXXX -- XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX --
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

My kohls charge minimum payment increase to {$75.00} From {$46.00} because I was late paying XXXX dollars that I wasnt aware of. I have not been receiving my emails telling me what i need to pay each month for a few months now, and because of this my account was - {$44.00} over a missing XXXX dollars. Kohls only reversed {$27.00} late fee, and does not want to change or even reimburse me the difference of the {$75.00}. Its not right because had I received that email telling me that my minimum payment was now {$48.00} instead of {$46.00} then I would never wouldve incurred a late fee and I never would have my minimum payment be {$75.00} right now. My email information is correct and Im not sure why I havent been receiving my statement I believe that Kohls should give me the difference back once I make the {$75.00} payment instead of trying to keep the whole {$75.00} because its not theirs.They told me that the bill is generated based off of my balance and interest as well as late fees and etc. so if its generated based off of that then my balance never wouldve been what it was had it not been for that late fee which in turn generating my bill to become {$75.00}
Consumer complaint received 2019-09-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY ()

I made a cash transfer of {$72.00} from my XXXX XXXX account here in XXXX on Sunday XXXX XXXX to my friends Amex Bluebird account through XXXX.. not knowing at either end that Bluebird had recently changed their tranaction policies & no longer acceptanced funds from non government & pre-linked accounts. Transferwise completed the currency exchange, & sent the cash to Bluebird, completing it on XX/XX/XXXX. They've supplied the transaction receipt with routing number & transaction reference codes, verifying its completion. Bluebird were contacted, & instead of bouncing the funds back to XXXX they have left us in the dark as to when the money will be refunded to myself/XXXX.. IF AT ALL!!! They at first denied even having the funds, then after speaking to a " supervisor '' they admitted to having the funds but after requesting a reversal of the transaction, THEY SAID THEY COULDNT HELP US! This is after multiple phone calls mind you, multiple hang ups from their end, rude customer service reps who could barely speak English & gave multiple stories as you where the money is & what will happen to it. This is absolute unacceptable & REVOLTING business practice. Ive now read 100+ complaints about Bluebird holding, & subsequently stealing customers funds with said customers left out of pocket & with no further lines of action to take as Bluebird either lie or basically say they wont help. I want my money back. Surely this is illegal practices!!
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WELLS FARGO & COMPANY (CA)

My mother, XXXX XXXX XXXX XXXX, who is not listed as a party on my credit card or personal loan accounts, received a debt collection call from Wells Fargo about my outstanding debt. I believe the intent of the call was to shame me into payment. The call was made during a period when I am working with a third party, XXXX XXXX XXXX, on consolidating and reducing my debt with the bank. The call resulted in the improper sharing of my financial information and placed me in a bad light with my family.
Consumer complaint received 2019-09-25
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)

TRANSUNION HAS ON INQUIRIES ON MY REPORT THAT ARE NOT MINE. 

NOT MINE : XXXX XXXX XXXX -- XXXX XXXX -- XXXX   XXXX  XXXX -- XXXX/XXXX  -- XXXX XXXX XXXX -- XXXX  XXXX XXXX -- XXXX XXXX XXXX -- XXXX/XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX/XXXX XXXX XXXX -- XXXX XXXX  XXXX -- XXXX XXXX -- XXXX-XXXX   -- XXXX  XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX -- XXXX  XXXX XXXX -- XXXX XXXX, XXXX -- XXXX XXXX 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 2022-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc. (NV)

I have been receiving calls from Quantum collections for over seven years now and I have told them they have the wrong number. They have never mailed anything regarding a debt and there is nothing on my credit reports from them. 
I have no DEBT AT ALL and therefore they have no reason to call me and obviously have the wrong info. They keep calling on a robo dialer because no one answers when I pick up. They call from various extensions. This is harassment at this point.