davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

XXXX and XXXX XXXX firm is trying to foreclose on my home. They say they represent XXXX XXXX  as trustee for XXXX XXXX. The master servicer who has the legal rights to the loan has reconveyed the home back to us. Select Portfolio Servicing has ignored the fact that the loan was legally reconveyed. They Hired XXXXXXXX XXXX XXXXXXXX says they represent XXXX XXXX XXXX XXXX Says the don't get involved in these things yet they have no problem letting XXXX us their name on the foreclosure. XXXX XXXX  is involved in an Illegal foreclosure and they have buried their head 's in the Sand. They are aiding and abetting SPS and XXXX in the theft of our home. XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, Utah XXXX phone # XXXX XXXX Fax XXXX XXXX Email : XXXX Select Portfolio Servicing : XXXX Fax : XXXX XXXX They need to stop, the auction is set for XX/XX/22. SPS Account # XXXX
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (AL)

To begin I was charged a {$4.00} replacement card fee. My card expired in XX/XX/XXXX, I had to call on 3 different occasions due to address complications. 
However, I was charged the replacement card fee & I'm not sure why. Their policy states the following : " After receipt of your initial Card, you may receive one ( 1 ) Card replacement for no fee each 12-month period. A fee will be assessed for each additional Card replacement request. Standard delivery ( 7 to 10 calendar days ). Expedited delivery fee would also apply ''. The last time I used that card was XXXX and my card didn't expire until XXXX of XXXX so why would I get charged a replacement fee, when clearly that was a replacement card over a 12 month period? 
Also, there is a {$0.00} fee for the automated customer service ( You are allowed to make eight ( 8 ) calls for no fee each month to XXXX XXXX XXXX ) A fee is charged for each additional call. However, there system is set up as to where you call the customer service number, it prompts directly for you to enter the last 4 of your card number followed by your pin and gives you your account balance & you're immediately charged. There is no fee for a " live agent '' but there is also no prompt for a live agent either, which is totally wrong. I haven't received child support in 2 years and I just received a payment of {$200.00} but my balance is now {$190.00} because in this XXXX day XX/XX/XXXX of trying to call and speak to a " live agent '' about my replacement card fee ( which I feel I shouldn't have been charged for ) I was also charged XXXX customer service automated fees for a total of {$1.00}. This might seem so minimal to you but it's certainly not to me especially during the time of this inflation ; I'm a XXXX  mother who hasn't received child support in 2 years, who tries to save every XXXX she can. How are you going to keep charging me for the automated service fee when there is no number or prompt for a live agent? Why did I get charged for a replacement card when it's been over a 12 month period
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft.
Consumer complaint received 2022-11-19
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. (NJ)

The account in question, XXXX is showing incorrect information on my report on 3 different credit reporting agencies. This information is negatively affecting my credit file due to the inaccurate information stated by the company.
Consumer complaint received 2022-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Prior to my refinance with Nationstar Mortgage XXXX, DBA Mr. Cooper, my homeowners had for 17 years been escrowed. Upon my refi, due to the equity in the loan, they didn't escrow the loan. My insurance was set on an annual payment. Renewal date of XX/XX/22 was missed this year by me, I take ownership of that. Upon realizing this, my agent/underwriter reinstated my policy effective XX/XX/22 and I provided an updated policy to Mr. Cooper Insurance Tracking center that same day. I have been insured with the same company for 18 years on my home. This presented a gap/lapse of 23 days. The mortgage company forced placed coverage for this period of time. The charge is sitting in an escrow account, but my loan isn't escrowed. 
PROBLEM : Force Placed coverage is a benefit to the lender only, NOT the consumer. 
It only protects the physical structure from covered perils. The annual forced premium of {$7300.00} is calculated on the replacement value of my home, $ XXXX, resulting in a charge of {$460.00} for the 23 days. The maximum this should be calculated on is the outstanding loan balance of $ XXXX as this is the maximum lender risk. 
I tried to contact the tracking center several times and always got stuck in their phone tree, never able to get to a human. I finally contacted Mr. Cooper directly and got someone on XX/XX/22. 
I spoke with XXXX, an Escalation Specialist ( XXXX ) and asked why they are calculating premium over and above their lender risk. He has no answer except that is what is was. I understand the lapse and asked that he calculate on their actual lender risk of $ XXXX which would produce a premium of about 1/2 of what I was charged. He said they would not recalculate. 
If my home had burned to the ground during those 23 days, this mortgage company would only have been out my outstanding balance of $ XXXX. Therefore they should not be overcharging the consumer for something they will never use or need. This is unfair to every consumer out there. I understand the need to cover the lender risk on collateral but I don't feel it is fair to gouge the consumer for any amount over and above what they need to be made whole. 

This is the problem today and where so many consumers are taken advantage of and so often the consumer is unaware of what to do. Consumers rights need to be protected.
Consumer complaint received 2022-06-23
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. (OK)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account : Account number- XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Phone number ( XXXX ) XXXX Balance on XXXX XXXX, XXXX - Original balance {$240.00} has violated rights of privacy.

15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-12-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (MD)

My Mom was given a XXXX gift card as a gift. When she tried to activate it, it said it was a bad card. I contacted the company ( XXXX ), and explained the situation. They tried to argue that the card was not in my name so they couldn't help. I told them it was a gift card and no name was ever attached to the card. They asked me to upload a copy of my government-issued identification and the gift card to their website. I did that in XX/XX/year>, waited a few days and when I called back, they said they never received it. Then they recommended I fax the information, which I did- on XX/XX/year>, on XX/XX/year>, XX/XX/year> and XX/XX/year>. Each time, they said either they didn't receive it or it wasn't legible on their end ( despite me obtaining confirmation that it went through to the fax number they gave me, plus I also faxed a copy of the same documentation to myself and it was legible ). Lastly they asked me to mail hard copies in of the documentation to their Post Office box. I argued back what proof would I have that someone would receive it that way if I didn't have a contact name to address it to? They said they didn't know what else to tell me and that they didn't have an email address to send it to. I think they are just trying to give me the runaround so that I will give up, as opposed to resolving this issue with providing me with a good gift card to replace the one of theirs that didn't work.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-28
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. (TN)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-02
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: Consumer Adjustment Company Incorporated (MD)

I pull have alerts set up on my credit as a result I received one stating that I have a collections account. I the called the place of business only to get brushed off by a staff member because I did not want to provide my personal identity information. I was not comfortable doing such because I have never done ANY BUSINESS with the merchant requested and I am not even sure how they were able to just plaster their info on my credit report without even have said proof. 

I DO NOT have any account with XXXX XXXX in fact I have never step foot on their property in over 2 decades. In fact, when I noticed a charge on my bank account initially back in XXXX of 2021, I immediately filed an unauthorized dispute with my bank. They closed the account and I thought that was the end of it. Now, they put an account on my credit when again I did not sign up for any account. 

Lastly on XXXX I called XXXXXXXX XXXX  and explained that I personally was not the one who made the change on my card but knew who did and the charge was not authorized. I did not wish to prosecute the person because it was someone from my XXXX XXXX XXXXXXXX XXXX daycare center who also is a minor. At this point I feel like they took advantage of a situation and wish to hold someone accountable. However, that person is not me, I was working when this occurred and again DID NOT give anyone permission to use my bank card/XXXX XXXX or any financial Information to sign up for an account with these people. 

Nor did I sign anything EVER with the merchant agreeing today for anything. I tried to resolve the matter almost a year ago but they are now being vindictive to go the extra mile trying to force me to pay for what is clearly an unauthorized transaction.
Consumer complaint received 2020-10-09
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: JPMORGAN CHASE & CO. (IL)

I have noticed that they have placed some inquiries on my XXXX  credit file on the date listed below that I never authorized and your Person is therefore in violation of federal statute : 15 U.S. Code 1681b regarding Permissible Purpose for accessing consumer credit reports. Additionally, these inquiries are reporting verified to 3B but provided no verification of my authorization. 

JPMCB CARD XX/XX/XXXX ; JPMCB CARD XX/XX/XXXX ; JPMCB HL XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-11-20
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. (VA)

In accordance with the Fair Credit ReportingXX/XX/XXXXXXXX account # XXXX, XX/XX/XXXXXXXX account # XXXXXX/XX/XXXXaccount # XXXX, US BKPT CT XX/XX/XXXX XXXX account # XXXX, US BKPT CT XX/XX/XXXXXXXX account # XXXX, US BKPT CTXX/XX/XXXXXXXX account # XXXX and XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-03-10
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-10-09
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. (MI)

Experian Under the Fair Credit Reporting Act XXXX and XXXX I am requesting my Credit File. 
( 1 ) When did Experian contact the creditor ( 2 ) The information the creditor gave Experian ( 3 ) A description of the use to determine the accuracy provide you with ( 4 ) Did the creditor provide Experian with my name, XXXX, Address, XXXX for the XXXX Account ( 5 ) Did the creditor supply you Experian with the open date of the XXXX account and Delinquent dates of the account and complete credit history ( 6 )  Why did Experian retaliate against me and decrease my XXXX XXXX by XXXX points for filing an dispute. My score went up by XXXX points for less credit usage then XXXX days later after the dispute was released Experian decreased my XXXX XXXX by XXXX points when they already had decreased my XXXX XXXX 11 points when they let there client XXXX XXXX XXXX enter an Fake Account on my credit report? I already have the updated credit report from Experian.
Consumer complaint received 2023-03-10
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 — Problem with personal statement of dispute
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (MO)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Credit Bureau Systems , Inc. for their reporting of a debt of {$78.00} to the credit reporting agencies without properly investigating or showing evidence that I owed the debt. When I asked for verification of the debt, they sent me paperwork that did not have my name or any identifying information on it. 

I believe that Credit Bureau Systems , Inc. has violated my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and incomplete information to the credit reporting agencies. I have been adversely affected by this reporting, as it has lowered my credit score and made it difficult for me to obtain credit. 

Despite my repeated requests for verification of the debt, Credit Bureau Systems , Inc. has failed to provide me with any meaningful evidence that I owe the debt in question. The paperwork they sent me did not include any identifying information that would allow me to determine if it was actually related to me. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Credit Bureau Systems , Inc. for their violations of the FCRA. I also request that Credit Bureau Systems , Inc. be required to remove the inaccurate and incomplete information from my credit reports and provide me with verification of the debt in question. 

I disputed the company multiple time on the following dates : XX/XX/23 XX/XX/23 XX/XX/23 The company never changed anything and marked it as verified. 
The papers that the collection company sends as part of their investigation into your dispute should ideally have your name or some other identifying information on them. This information is necessary to verify that the debt in question belongs to you. 

Under the Fair Credit Reporting Act ( FCRA ), a debt collector is required to provide you with verification of the debt if you dispute it. This verification should include the name of the original creditor, the amount of the debt, and other identifying information related to the debt. 

If the collection company sends you paperwork that does not have your name or other identifying information on it, you should follow up with them and request additional documentation that will help you determine whether the debt belongs to you. You can also dispute the accuracy of the information with the credit reporting agency that is reporting the debt, and provide them with any supporting documentation or evidence that you have.

Ultimately, if the collection company can not provide sufficient evidence that you owe the debt, the credit reporting agency may be required to remove the debt from your credit report. 

Thank you for your attention to this matter.