davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (UT)

On XXXX XXXX XXXX I received a letter informing me that Mr. Cooper required proof of flood insurance on a condo I own at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I uploaded proof of insurance. On XXXX XXXX, I recieved an email from mycoverageinfo.com stating that the information was received.

On XXXX XXXX I received an email mycoverageinfo.com stating that the information was processed.

Then on XXXX XXXX I received an email saying Mr. Cooper procured flood insurance on my behalf and WITHOUT MY CONSENT! The charge also overdrew my escrow. This is now a serious mismanagement of funds.

I immediately opened a ticket on Mr Coopers messaging system and uploaded the proof of flood insurance again. 

On XXXX XXXX XXXX I called to complain and was told that the insurance information had been recieved and that Mr Cooper would confirm the insurance and reverse the Escrow charge of {$1500.00} immediately.

Again, this did not occur. On XXXX XXXX XXXX weeks after I had submitted proof of insurance. Mr Cooper still did not correct the situation and performed an escrow analysis that increased my monthly payment to cover the amount they wrongfully and knowingly mischarged on my account. 

I feel that Mr Cooper is violating my consumer rights and I would like the Consumer Financial Protection Bureau to investigate these complaints.
Consumer complaint received 2023-05-13
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. (NC)

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (MA)

I am not liable for this debt of {$1000.00} with LVNV FUNDING LLC Account # XXXX I do not have a contract with LVNV FUNDING LLC, they did not provided me with the original contract with as I requested my wet signature and ID verification.
Consumer complaint received 2024-06-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC. (CA)

XX/XX/year> Santander Consumer USA XXXX XXXX XXXX, TX XXXX Re : Dispute and Notice of Statute of Limitations Dear Santander Consumer USA XXXX This letter serves as a formal dispute regarding a notification that the statute of limitations has expired to collect this debt. 

I am writing to inform you that you are no longer legally entitled to collect on this debt. The statute of limitations in my state, [ CA ], for this type of debt is [ XXXX ] years. As I have not made any payments or acknowledged this debt in writing within the past [ XXXX ] years, any attempt to collect on this account is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I have tried to dispute this account in the past as this company was in previously in litigation. 

I request that you cease all collection efforts on this account immediately. Please update your records to reflect that this debt is no longer collectible and remove all negative information associated with this account from my credit reports. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-17
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: Aldous & Associates, PLLC (CA)

Aldous & Associates, P.L.L.C. 

Subject : Pre-Arbitration Notice Dear Aldous & Associates Customer Service Department, I am writing to formally notify Aldous & Associates, P.L.L.C. of my intent to seek arbitration under the terms of our agreement. This pre-arbitration notice addresses a fraudulent collection account that has been placed on my credit report. 

Despite my efforts to resolve this matter directly, including sending a police report and government ID proving my residence, the issue remains unresolved. The collection account in question was allegedly mailed to an address that is not mine and has never been my residence. Consequently, not only is the debt invalid, but it is also fraudulent. 

Under 15 USC 1692B ( 2 ), a debt collector is prohibited from disclosing to third parties that I owe a debt. Additionally, according to 15 USC 1692E ( 3 ), a debt collector can not falsely represent the character, amount, or legal status of any debt. Further, per 15 USC 1692C ( 2 ), a debt collector must cease communication if I notify them in writing that the debt is disputed. Your failure to address the dispute violates these provisions. 

Given these serious issues, I am seeking the following remedies through arbitration : - Immediate removal of the fraudulent collection account from my credit report.

- Compensation for any financial harm and damage to my credit score resulting from this fraudulent account. 
- Assurance that such errors will be prevented in the future. 

I request that Aldous & Associates respond to this notice within 30 days to resolve these issues amicably. Failure to respond or to provide satisfactory resolution will leave me no option but to proceed with arbitration as stipulated in our agreement. 

Please direct your response and any relevant correspondence. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (FL)

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
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 an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: OneMain Finance Corporation (OH)

OneMain Financial XXXX {$33000.00} I already contact them an told them it wasnt my account and I ask for 15 USC 1692g validation of debt in they didn provide it to me an didn provide it in the rite manner I also ask them to provide Rule 1002 Requirements of the original I also ask them the provide 15 USC 1692j Furnishing certain deceptive forms
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-19
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. 

XXXX ) XXXX  Account number : XXXX XXXX ) Attorney General Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX ) XXXX  XXXX Account number : XXXX XXXX ) XXXX XXXX card Account number : XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 ( i ) 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information information. 
( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ij ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 U.S.C 1681 ( s ) 2 they are suppose to 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 2024-06-19
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. (IN)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-01-02
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. (FL)

I was recently released from XXXX XXXX  and I made a XXXX XXXX account and noticed a number of accounts that were not mine. I have been in and out of XXXX since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and was XXXX  according to the dates the accounts were opened so I contacted all three bureaus verbally and in writing I submitted evidence of my XXXX a police report, and an identity theft report, along with my ID showing I am indeed XXXX XXXX and that the dates of these accounts could not be mine due to my XXXX I requested per 15 U.S. Code 1681c2 that the items be removed within 4 days and that the creditors be notified it was identity theft. They responded saying Valid. I then requested proof of the investigation because there is no way it was valid. I requested copies of applications, Identification, signatures and anything else associated with these accounts as well per 15 U.S. Code 1681d and was never responded to. 

The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Identity Theft Report reference number is XXXX My Police Report Tracking number is XXXX I also submitted the same items attached to this complaint via mail with my disputes.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am requesting your help to resolve the incorrect account reported on my credit report. This issue has caused damage to my reputation, and I need your support. Due to your errors in managing my credit report, my reputation has been severely impacted. Please remove these inaccuracies so I can move forward with my life and my family.
Consumer complaint received 2024-05-21
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. (PA)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

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 an 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (AL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Al XXXX XXXX XXXX. Company ( Jefferson Capital systems ) XXXX XXXX XXXX XXXX XXXX, MN XXXX. XXXX XXXX Debt Validation Request Dear Sir/Mam I am writing to request validation of the debt you are attempting to collect from me. I received a notice from your agency stating that I owe ( {$1300.00} ) on account # XXXX. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide me with the following information to validate this debt : 1. The amount of the debt ; 2. The name and address of the original creditor ; 3. The date of the last payment ; 4. The date of the default ; 5. A copy of the original contract or agreement ; 6. A detailed accounting of all fees and interest added to the debt ; 7. Proof that the statute of limitations has not expired.

Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 

Please note that I am not admitting to owing this debt and am only seeking validation of the debt as required by law. 
Sincerely XXXX XXXX
Consumer complaint received 2024-08-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

A person physically went to a Chase branch and posed as me. They went with a friend. Apparently they opened up a joint savings account. They linked all my other accounts. They transferred roughly $ XXXX out of multiple accounts to this new joint account and the either withdrew it or transferred to another Chase account that I did not have access. The thing that really annoys me is that I had this happen to me a couple of years ago. The bank said they put additional safeguards on my account, including an oral password needed for any in branch transaction. Apparently the process was not followed. I dont understand why they dont have multi step verification for in branch transactions. It makes no sense. Even if they CALLED me. Or sent a text code to my phone. Either of these would have saved me from what is going to be a nightmare to get my money back. Apparently, they dont have any of these protocols in place for in branch. In addition, all of this happened in 1 day. How did it not set off fraud signals? There were multiple high dollar transfers happening within minutes of each other. How does that not seem suspicious? And, apparently, the person did a teller cash withdrawal of $ XXXX. How did that not set off alerts? But most importantly, I feel like I was physically assaulted. I feel like I was physically violated and there needs to be some changes to Chases in branch transactions to make them more secure. Every back has online multi factor in place. The physical branch is very weak in terms of security and the CFPB needs to push them to make it more secure
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (AL)

On XX/XX/year>, I was attempting to purchase a vehicle at a local dealership. I was informed that Santander banking was showing an account with a XXXX balance but failed to close the account. The account is showing open on my credit report. 

This has been an ongoing problem, preventing the complete sale of the vehicle.
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (NM)

This debt was removed from my credit report a few weeks ago. It has been removed from my credit report numerous times yet they find a way to sneak it back on there. Before it was removed this last time I attempted to call and get the account figured out as they were also attempting to collect more than what the court ordered amount from the original break of lease was, I was yelled at by 2 different reps. When they called today I informed them that this debt was no longer on my credit report and to never call me again.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My mom passed away and as i was securing nancing to lay here to rest, i was alerted to accounts being on my credit report that didn't belong to me, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, these accounts are severely impacting my credit me for helping laying my mom to rest
Consumer complaint received 2024-05-21
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. (SC)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

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 an 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.

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX