davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

REASON FOR MY COMPLAINT : Misapplied Federal Housing Administration guidelines in denying my request and opposing my inclusion for the XXXX recovery state assistance option. 

I applied for the XXXX program with the state in XX/XX/XXXX. A representative from the state notified Mr. Cooper of my approval XX/XX/XXXX and Mr. Cooper erroneously opposed my participation XX/XX/XXXX. 

As a result, I received a letter from the state XXXX stating : " Your mortgage servicer has objected to your inclusion into the program ''. 

I have several recorded and noted conversations with Mr. Cooper which confirm that Mr. Cooper had NO reason to oppose my acceptance into the XXXX program. SEVERAL representatives of Mr. Cooper stated that their HARDEST HIT FUND DEPT. received the inclusion/approval letter from the state and sent the denial/objection letter to the state of NJ/ERMA. I have also received a letter XX/XX/XXXX from Mr. Cooper affirming THEIR ERROR. However, in the same letter they erroneously stated that they/ Mr. Cooper do not determine the ERMA/State 's decision which is 100 % False as my XXXX/XXXX/XXXX letter from ERMA CLEARLY STATES as follows : Your MORTGAGE SERVICER has objected to your inclusion into the program. 

I trusted Mr. Cooper when they said they would try to resolve THEIR Error when they erroneously objected my inclusion into the XXXX. I also appealed the XXXX  denial letter with confidence Mr. Cooper would resolve the issue THEY created which now caused me to become delinquent on my mortgage due to loss of employment AND the understanding that I would be receiving XXXX funding because of being included in the program. To my heartbreaking disappointment, I was again deceived by Mr. Cooper. I received another letter from the state ( XXXX XXXX ) on XX/XX/XXXX which said as follows : After careful review of XXXX our decision is as follows : Your MORTGAGE SERVICER has objected to your inclusion into the program. 

I am unable to reapply to the XXXX program that I initially applied for in XX/XX/XXXX as I am still with the same MORTGAGE SERVICER. 

I previously submitted a complaint. Mr. Cooper 's response was NOT Accurate as their response states that they received an initial letter from NJ XXXX in XXXX, see my attached letters. XXXX XXXX received the confirm of my inclusion to the XXXX program in XXXX resulting in an XX/XX/XXXX denial letter from XXXX stating : Your mortgage servicer has objected to your inclusion into the program Mr. Cooper 's response was untrue as there are SEVERAL calls and notes confirming MY attempts to rectify THEIR MISTAKE. 

In closing : Mr. Cooper 's unfair Mortgage practice and errors have caused me financial risk and undue stress. I am seeking legal assistance at this time as I don't want any other customer to endure what I have experienced. 

This whole ordeal have been pain staking to me a single mother and my 3 children. 

I am requesting support from the CFPB as I believe Mr. Cooper 's actions towards me are an abomination. 

Help, XXXX XXXX
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-04
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. (NC)

Experian is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; All accounts furnished on my consumer report have not been authorized by me. I never gave experian permission to do so. By don't so they violated.15 U.S. Code 1681b - Permissible purposes of consumer reports ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (RI)

In XX/XX/2023 my identity was stolen. I placed a credit freeze on all of my accounts and asked for a fraud alert to be placed. I am not sure if the fraud alert was placed because this week I was told that there was no fraud alert. After I alerted experian that my identity had been stolen and asked for a fraud alert and a credit freeze, they allowed the criminal to open a membership account in my name but with their phone number and address. The criminal was able to unfreeze my credit. I have made numerous phone calls and sent countless emails about this situation. It took hours of my time to get them to close the membership account that was never mine but had access to my information.Since then my credit has been unfrozen several times. I recently found out that that fraudulent membership account was reopened and it was not by me. The criminal was able to change my mailing address in the DMV system and was mailed my new drivers license. They are aggressively trying to buy cars in my name in XXXX XXXXI have spent hours on the phone this week trying to fight this. If my credit was locked as it should be then I wouldn't have this problem. I haven't been able to reach a person at Experian this week. They sent me an email with a case # saying their is a fraud investigation and that they tried to call me. They didn't try to call me because their is no message or missed call on my phone. I have called the number from their email multiple times and left message that my credit needs to stay frozen and they need to remove the membership account and online access. No one has returned my calls and yesterday my credit was unfrozen again. They are doing more to help the criminal than they are to help me and it makes me wonder if there are criminals working there. This has been extremely stressful and time consuming and I am having to take time away from work in order to deal with it. The criminals were almost able to make a purchase of {$130000.00} in my name at XXXX this week. They are professionals and keep trying to make purchases and get credit cards. I need my credit to be frozen and stay frozen. I also want the membership account which was never mine deleted permanently. I would never do business with experian after this experience. I have made many phone calls and sent several emails to experian explaining the situation and asking for help yet nothing changes.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XXXX Bank of America Credit Card which I've had since XXXX in good credit standing with my XXXX rating today of XXXX. I did a 0 % interest rate balance transfer for 1 year XXXX. promo on XX/XX/XXXX in the amount of {$1200.00} to my bank of america credit card. I used Automatic payment.on Bank of America Website. Bank of america website when you set up automatic payments there is a small box which flashes up to inform the payer that a automatic payment may take 30 to 60 days to actually be paid. This is start of my 1st problem with B of A why does a automatic payment has to take 30 to 60 days to make a payment, all my other credit cards pay the month their Due. This is the first reason why i missed payments for my B of A credit card. The 2nd problem paying my B of A card is that if you change anything on their website for automatic payment from date you want to pay and the amount of money you want to pay the B of A website misses that months payment, which B of A never informs the customer about on their website. I inform B of A financial Department by phone to complain and ask that all my late fees be credited to my account and to have my credit rating fixed which they said they did and they informed me if you set automatic payments by phone there is no 30 to 60 days waiting time for payments and my question is why their Website is different from calling them by phone which is really inconvenient to do they had no good reason for. Also B of A credit Department lowered my available credit on my credit card from {$10000.00} dollars to {$400.00} because My Automatic payment problem of which their Website is responsible for not me. B of America refuses to reinstate my credit and this has caused me problems with my Credit Rating. I want my full amount of Credit to be reinstated with my Bank of america credit Card which was {$10000.00} not the {$400.00}, since their Website has a Automatic Payment problems. The above has all been documented by me and also phone calls to Bank of America
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB case XXXX took more than 30 days no respond Transunion, are reporting an account that is closed and they are reporting with several errors which is illegal, this account was resolved and an agreement was reached with XXXX XXXX in which I would pay XXXX and we would close the case which I did here I attach proof of my canceled check and the letter I received from XXXX XXXX , Transunion in my credit file is showing that no payment was received in addition it is not reporting this account correctly, and I demand it be deleted from my credit
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-06-09
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: WELLS FARGO & COMPANY (CA)

Hello. 
XX/XX/2022 my parents bought me an XXXX  and XXXX  XXXX from XXXX XXXX and charge was XXXX total and they used my card to do so. 
At the same month I returned the items because I didnt like them and I wanted to use the money to treat mom and dad for vecation. 

Mom returned my items and XXXX XXXX employees told her you should get your money with in couple of days. It was on Friday so weekend make it take longer than usual. 

Couple of days passed and still I havnt received my money. Contacted XXXX XXXX and told me oh there was an error, please contact your bank and see whats going on. 

I contacted wells. Wells Fargo messed my accounts, first they did it under fraud. Then they changed it a month later to dispute then back to fraud then back to dispute. Its been 6 months and I got a letter saying my dispute is denied. 

I been a customer for over 20 years. Never ever had a bad experience like this. 
I want my money back and I dont know what to do. Wells Fargo not helping, XXXX XXXX saying contact your bank and my bank telling me to contact Apple Store Please help me out
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-07-19
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: BARCLAYS BANK DELAWARE (IL)

I was double charged twice for a purchase I had canceled. The merchant refunded only one of the charges. I filed a dispute 4 times with Barclays Red Aviator Mastercard and they kept sending me a generic letter saying I was refunded. I called 9 times talking to representatives, they all saw the error of the double charge with only one refund and filled a claim. 
The dispute department closed my case again with another generic letter saying that I received my refund!! 
I wrote a letter explaining that I was only refunded for one of the charges. 
They clearly did not do an adequate investigation, because I got the same generic letter again!!! 
No one from Barclays would call me. 
I Called again, a representative told me my case was closed and to write another letter. They also saw the double charge with only one refund, and opened another case ( 4th one. ) That was yesterday. They clearly did not read the claims or did a proper investigation. If they did they would see the double charge.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CT)

I received notice that my Barclays XXXX XXXX account was closed due to inactivity. The statement of the provisions of section 701 ( a ) of the Equal Credit Opportunity Act ( ECOA ) is not compliant with 1002.9 ( a ) ( 2 ) as the address for the CFPB is not correct. As of XX/XX/year>, Barclays should be disclosing the zip code as XXXX.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (FL)

I am writing to file a complaint against XXXX regarding the illegal reporting of collections on my credit report. The collections that XXXX has reported are inaccurate, outdated, and can not be verified. As a result, I have been denied credit and other opportunities. 

The accounts that must be removed are : LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX XXXX is in XXXX of multiple sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 604, which requires credit reporting agencies ( CRAs ) to provide consumers with a copy of their credit report upon request. It also requires CRAs to disclose to consumers the sources of the information in their credit reports.

Section 609, which requires CRAs to provide consumers with a notice of their rights under the FCRA when they receive a copy of their credit report. The notice must include information about the consumer 's right to dispute errors in their credit report and to request a credit score.

Section 611, which requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. It also requires CRAs to reinvestigate disputes if the consumer provides new information.

Section 615, which requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. It also sets out the conditions under which CRAs may furnish credit reports to third parties.

Section 623, which includes subsections ( a ) ( 1 ), ( a ) ( 2 ), ( b ), and ( c ). These subsections require CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports, require furnishers of credit information to provide complete and accurate information to CRAs, require CRAs to reinvestigate consumer disputes if the consumer provides new information, and require CRAs to delete information that is outdated, incorrect, or can not be verified. 
I have attempted to dispute the inaccurate collections with XXXX, but my disputes have been either ignored or rejected without proper investigation. XXXX 's failure to comply with the FCRA has caused me financial harm and has damaged my credit score. 

I am requesting that XXXX immediately remove the inaccurate collections from my credit report and take all necessary steps to ensure that they are not reported again in the future. Additionally, I am requesting that XXXX provide me with a free copy of my updated credit report. 

If XXXX fails to comply with this request, I will be forced to consider legal action to seek damages, as well as attorneys ' fees and costs, for their violation of the FCRA. I may also file a complaint with the Federal Trade Commission ( FTC ) and other relevant regulatory agencies. 

Thank you for your attention to this matter.
Consumer complaint received 2023-07-04
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. (GA)

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. 

Account name : XXXX  XXXX Account number:XXXXXXXX  Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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.