davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/XXXX I reviewed a response from Mr. Cooper regarding a communication they acknowledged receiving on XX/XX/XXXX, although they do not identify where they received this communication from. 
The response is dated XX/XX/XXXX and appears to be a response to a complaint I filed with the Florida Attorney General, although that is not stated in their response. 
The response from Mr. Cooper does not mention the Second and Final Notice to obtain hazard insurance or they ( RightPath Servicing ) will purchase hazard insurance on my behalf. I specifically mentioned this notice I received on XX/XX/XXXX from RightPath Servicing, in my complaint to the Attorney General, therefore, I can only assume this response is regarding my complaint even though there is no mention or explanation for RightPath sending this second and final notice, as requested by the Florida Attorney General. 
Mr. Cooper cunningly omits information regarding the Second and Final Notice sent to me on XX/XX/XXXX because this is the basis of my complaint and is also definitive proof of deception by RightPath Servicing. 
RightPath Servicing clearly stated Hazard insurance was needed on my property and goes on to describe this hazard insurance, that being, it would only cover the structure, such as the roof, of my property. I provided RightPath Servicing proof, multiple times, of having this hazard insurance coverage, as they described, through my HOA master policy. 
In XX/XX/XXXX RightPath Servicing charged me for HO6 insurance and not hazard insurance as described in this Second and Final Notice. My mortgage payment was increased by {$1000.00} per month. 
There is no mistaking what HO6 insurance coverage is and it surely isnt what was described as Hazard insurance in their notice dated XX/XX/XXXX. 
This deliberately deceptive practice can cause many, like myself, to be threatened with foreclosure if they do not pay into this fraudulent scheme. Mr. Cooper is now refusing to accept my mortgage payments, after I did not sign the loan modification they sent me, a modification I did not request. I was, conveniently, pre approved for this loan modification I did not request or apply for. 
I understand, per their response, that Mr. Cooper is now in the process of foreclosing on my property. I have sent RightPath Servicing monthly mortgage payment that they have refused to apply to my loan.

RightPath Servicing/Mr. Cooper has clearly violated the FDUTPA, The Florida Deceptive and Unfair Trade Practices Act with their deceptive practice, as stated above, and must be investigated. It is very likely, given the troubling history of Mr. Cooper, that a class-action law suit may be necessary. 

Each response to the CFPB, by RightPath Servicing, claiming to have already addressed this issue shall be recognized as a separate offense.
Consumer complaint received 2023-09-15
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. (NY)

In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.
Consumer complaint received 2023-09-15
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (TX)

Dear Exter Finance LLC Customer Service Team, I hope this letter finds you well. I am writing to you as a loyal customer of Exter finance to address a recent late payment on my account and to kindly request your understanding and goodwill assistance.

I have been a satisfied customer of Exeter finance for 2 years and have always appreciated the convenience and reliability of your financial services. However, I must admit that I experienced an unexpected financial setback recently, which resulted in a late payment I fully understand the importance of making payments on time and take full responsibility for the delay in this instance. I want to assure you that this is not representative of my typical financial behavior, and I am committed to maintaining a positive payment history with Exeter finance I kindly request your consideration for goodwill assistance regarding the late payment. I am hopeful that you can help by : Removing the late payment notation from my credit report. I am going through a HCA Loan Process Ive lost over XXXX points due to the credit hit I was advised not to use my last extensions by customer service representative I have a new job position I have been out of work for months and have a 10 Month old baby. I communicated efficiently to tell my situations and made payments by borrowing from family and friends until I receive my first check I currently have XXXX  and will be returning to work with sickness just to catch up on bills Im begging please if anything can we correct my account to current for XXXX I made the payments as instructed II believe that a gesture of goodwill in this situation would demonstrate your understanding of my unique circumstances and your commitment to customer satisfaction. 

I appreciate your attention to this matter and kindly request that you review my case. Please feel free to contact me by cell phoneif you require any further information or would like to discuss this matter in detail. 

Thank you for your time and consideration. I look forward to a positive resolution and continuing my positive experiences with Exeter finance LLC Please Im begging Please I am facing homelessness from this credit impact I dont have anything else that applys on my credit report and I am desperate I do my best to make my payments before 30 days and I communicate with the customer service team please help me this once please Sincerely, Customer
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (FL)

ATTENTION CEO, CFO, and TRUSTEES. In pursuant to the Fair Debt Collection Practices Act you did not provide the information requested and Required by LAW. I am requesting a physical, handwritten signature on a document related to debt collection, as mandated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates how debt collectors can contact and interact with consumers ; essentially, it requires a tangible signature with ink on paper to validate the document legally. This was not provided for any of the accounts in relation to the XXXX XXXX  credit card ending in XXXX, XXXX XXXX cash Rewards credit card ending in XXXX, or the XXXX XXXX XXXX XXXXXXXX credit card ending in XXXX. All Allege debts are accepted for Value, returned for value In pursuant to Title 15 US Code 1693o-1, Public Law 106-229. In the past you have received endorsed coupons that were received by Navy Federal Credit Union and ignored to settle all accounts in which is a violation of Public policy 3-603. TENDER OF PAYMENT. A company providing remittance transfer services is required to follow the disclosure and information requirements outlined in 15 USC 1693o-1. Due to your inability to Validate the Allege debts, Consider All accounts Settled and Adjust the balance to XXXX. In Accordance with XXXX XXXX, UCC XXXX XXXX Public Policy XXXX HJR XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Record page XXXX XX/XX/year>, Title 31 USC Section 5118 ( d ) 2. 

By : XXXX XXXX, XXXX As : Beneficial Equitable Title Holder in Due Course
Consumer complaint received 2023-03-31
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: WELLS FARGO & COMPANY (TX)

Wells Fargo XXXX XXXX XXXX XXXX IA XXXX un authorized hard inquiry on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX Authorized hard inquiry on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CA XXXX. UN Authorized hard inquiryon XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ks, XXXX. UN Authorized Hard inquiry on my credit report.
Consumer complaint received 2023-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (NV)

I was told to resubmit since it wasn't specific enough before. In XXXX I was put in collections by the XXXX XXXX XXXX for a tow after being hit by a drunk driver with no insurance. The collection, which I disputed at the time remained on my credit report from XXXX through at least XXXX when I stopped looking. In XXXX, a full decade after being off of my credit report, and 2 full 7 year periods for collections being allowed, a new collection agency called XXXX XXXX XXXX, ( partial account # XXXX ) has tried to restart the collection process from the beginning. I have reached out to Experian multiple times to get this illegal collection removed from my report but they have told me that they don't actually do anything except verify identity. My dispute is that you can not put a collection on someone's report for 4 out of the 7 year period, stop and then wait 10 years and resume like nothing happened. There are statutes of limitations and laws against double jeopardy. You also can not have someone in collections for 4 out of the 7 year period and then start over on day 1. As of now the item will not drop off my credit report until XXXX, which will illegally extend a 7 year reportable collection to 21 years. Also XXXX XXXX XXXX does not have the right information about me and is reporting an address for me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, that I have never lived at, not related to anyone who ever lived there, no friends who have ever lived there, and I have never even visited. This needs to be removed as well.
Consumer complaint received 2023-03-31
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. (AL)

On XX/XX/XXXX, I called Experian when I received an alert about my account. I checked and a company, XXXX XXXX, had filed a collection against me for {$530.00}, destroying my credit. ( I worked hard to build up my credit and my payment history is exceptional ) The original creditor was listed as XXXX XXXX. 
I do not have and never had an account with XXXX. They do not even operate in Alabama. 
I called XXXX XXXX on XX/XX/XXXX. The representative asked for my SS number and insisted I pay. I refused without knowing what it was about. I was told that they would have to investigate it. I asked if I would be charged for this and she said yes, but wouldn't tell me how much. 
On XX/XX/XXXX I was able to find a phone number for XXXX where I could actually talk to someone. The rep transferred me to the collection dept where I was instructed to file a fraud report with the police. She said when they received it, they would remove the collection from Experian. I was given a website to go to fill out a form, but it is overwhelming to me. I am XXXX XXXX XXXX, ill, and have XXXX XXXX. It is difficult for me to figure out things. 
I did file a fraud report with the police and can get a copy of it next week, but don't know what to do with it.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (VA)

I submitted an application for a credit card, application number XXXX. I received a denial letter dated XX/XX/2023. Shortly after I was informed by email that I had been denied, my wife submitted an application for the very same card and was approved. Their letter dated XX/XX/2023. Both my wife and I have the same income information as we submit a joint income tax return. However, the bulk of the income in this filing comes from my sources. We also have essentially the same credit information because we are authorized users in each others credit cards where the other is the primary card holder. 
The only real difference between our applications with Wells Fargo is that I have an obviously male first name while my wife has an obviously female first name. It is clear that Wells Fargo has allowed its algorithm to make decisions based on XXXX that are prohibited by law. In fact, after my wife retired from teaching over 40 years ago when we were married, with a few minor exception, she has not been employed during that entire period.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (WA)

My account has fraudulent activity. I called immediately to have my account froze and money was still distributed out of my account to an external account at another bank, my personal checking personal savings business savings was all transferred into my business, checking and then transferred out of the bank. I have received partial money that was missing as of XX/XX/XXXX when it was taken out as of today, XX/XX/XXXX I have detectives now on the case to find out where the fraud began, and whats happening since nobody at the banks are talking to me in the fraud department. I was told that a business account was created at the other bank fraudulently, and thats where my money was transferred to as up-to-date I still have monies due to me.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I need your help with an incorrect account listed on my credit report, which has negatively affected my reputation. Your mistakes in managing my credit report have caused significant harm, and I urge you to remove these mistakes to allow me to live peacefully with my family.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Experian continues to report this alleged bankruptcy. I contacted the clerk of court and requested validation of this alleged bankruptcy and they stated they do not release court records to anyone other than the parties to the case or legal counsel. 

I have requested validation of this alleged bankruptcy and Experian has provided me with no records of this alleged bankruptcy nor has XXXX.
Consumer complaint received 2023-09-16
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (AZ)

I filed a claim with the Bank for {$2500.00} for a payment to court ( bail fee for a family member ) The total amount that was charged by court was {$2600.00} I authorized the transaction but court was supposed to refund {$2500.00} ( total bail payment minus transaction fee ) upon court appearance but they failed to do that, so I called Chase to file a claim for the {$2500.00}. 
Chase made a mistake on the amount I was disputing and requested the total amount {$2600.00} instead of {$2500.00} and they failed to resolved the claim sending me supporting docs showing I authorized the charge which I never deny. I called Chase to file a claim not for an amount I didnt authorize but for an amount that I authorized and then was supposed to be later refunded to me. I called to get the dispute reopen and they told me to do it at a branch. Then I go to the branch to do it and they told me I just need to type up a letter explaining why I want the dispute to be reopened which I could have done from my house instead of going to the branch. The branch was supposed to fax the letter to Chase claim depart but unable to reproduce a fax receipt ( what a joke ) After visiting the branch, trip I could have saved, I called Chase claim depart to ask if they have received the fax from the branch and still were not able to answer, they said it takes 3-4 days for them to see the faxes as it goes first to another team which have to upload docs ( one again very inefficient ). I asked to speak with a manager who was not very nice either. 

Now they put a remark on my credit report which is affecting my score that states " consumer disputes after resolution ' what the heck resolution is that? I find the Chase claim depart very inefficient and I am demanding the remark to be deleted as I am just trying to get the dispute reopened because Chase made a mistake and came up to a wrong conclusion/ resolution.
Consumer complaint received 2023-03-31
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. (IL)

On XX/XX/2023 I asked 3 credit bureaus to verify my information and they did. I researched and found improper inaccuracies on my 3 credit reports after they completed their thorough research. The account name is XXXX XXXX XXXX account number is XXXX. In accordance with Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Experian has been requested multiple time for the past 12 months to remove the Address, XXXX XXXX and Address ID for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX as well as any accounts associated with those address. Experian has both ignored the requested and falsely stated theyve updated my address when they really have not made any change. Attached is the response where they claimed to have changed my address as well as my correct ID and this paper and digital copies of the address change they never actually made.
Consumer complaint received 2023-10-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TX)

Westlake financial services has me stuck in a preditory loan. 
I have already paid off the loan amount yet they keep saying i owe them thousands. At advice from attorney i still keep paying them. I sent them a demand for title letter. They repossessed my truck not once but twice oweing no money. Cost me {$2300.00} total so far in have to get it back twice. They will not contact me at all just i wake up and my truck is gone. I have lost contracts and lots of money over this. 
I have to park my truck sideways as they will just take it without any contact. No letter, no email, no call. Stating they have a do not contact order from me. Well i get spam emails and other forms of mail plus spam calls from them all the time. 
I cant even trade it in to get out from under them as they have account closed on my credit yet my truck is sitting right in my driveway. They refuse to report but every 4 months to the credit reporting agencies. 
Im tired of this, im over stressed and get nowhere with them in this matter. I was advised about all the lawsuits that have gone on with them over these same issues.

I just want the title to my truck and westlake out of my life. They hinder my business with these games and ive over paid thousands. 
What can i do to get out of this.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft, and I did not make or authorize these charges, I have included a copy of my police FTC report and two forms of id to verify my identity, I am requesting that those charges be removed immediately.