davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (IL)

On XX/XX/XXXX, I spoke with a member of Mr. Cooper regarding some inconsistencies in mortgage payment information being reported to the consumer credit unions. I was told not to worry, that the mortgage was current, and that they would look into what the cause of the mis-reporting to XXXX & XXXX XXXX Less than 2 week later, news of a massive cyber attack and customer information breach was released by Mr. Cooper. I called back on XX/XX/XXXX ( today ), to get more information and was told multiple inconsistent facts ( the phone call is recorded - both by me- and I informed the customer service rep that I would be recording- and by Mr. Cooper ). The agent told me no banking information was stolen & then backtracked when I read her the article saying the exact opposite - that Mr. Cooper had a data breach and the personal information, SSN, and banking information was stolen for almost XXXX XXXX customers. The Mr. Cooper representative then said that she really didn't know anything & had no way of knowing if my account & information were amongst those exposed.

I am tired of the banking & financial institution industries being allowed to sell mortgages anytime they want to other banks & financial institutions which DO NOT meet the security and diligence requirements that customers should be allowed to demand as those are researched and compared when I initially applied for and signed for my mortgage with a different bank. The customer has zero control what happens to their personal information after the banks start trading mortgages to make their books look temporarily better in time for paying out bonuses, etc. 

I'd like to file a complaint against Mr. Cooper for buying my information without my consent & then losing that information through faulty cyber & physical security measures, which all customers should be allowed to vet prior to their mortgage being sold. I plan to file a lawsuit against Mr. Cooper in civil court as well with the hope of pursuing class action status. 

If my personal information was compromised, 2 years of credit monitoring does not do anything to help with the hours of clean-up and remediation required to fix what Mr. Cooper failed to protect. I will continue to pursue this until the matter is closed to my satisfaction. 

I did previously file a complaint against XXXX XXXX for failing to provide the XXXX notice required when selling mortgages in XXXX- mostly on account of the poor reputation of Mr. Cooper- which of course, I had no choice over. Customers personal information can be moved from bank to bank to bank without the customer having any voice. My only option is to refinance with a different financial institution at my own expense.
Consumer complaint received 2023-08-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Forster & Garbus LLP (NY)

In XX/XX/XXXX Forster and Garbus LLP sued me in state supreme court without properly informing or notifying me, and as a result I am now over three years later being threatened with wage income execution for a debt which has since been disputed and has since been removed from my credit as recently as of XX/XX/XXXX. With the firm having meaningful attorney involvement in the process and executing such orders improperly during the validation periods is a direct result of my suit and the impending wage income execution which was unlawful. 

A week ago, the local county law enforcement was paid less than XXXX dollars to serve this, to which they didn't even obtain a signature and left it in a general mailbox. The sheriffs office has refused to address the lawsuit pending against this law firm for violations such as this with the FDCPA, FCRA and other laws to protect consumers against UDAAPs. I do not have the means to sue the firm or my county to prevent this execution from happening, so I am turning to the CFPB to hopefully corroborate the Unfair, Deceptive Abusive Acts and Practices of Forster and Garbus LLP.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

RE : Bankruptcy File XXXX Request to have this information removed from credit file. 
Reported XX/XX/XXXX Dear Sir/Madam, I believe the reporting of this account has expired. This bankruptcy was filed as a result of the illness of my spouse who has since died. At that time we had no insurance. 
I have requested in writing to all credit reporting agencies in writing, letters dated XX/XX/XXXX.
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (KY)

This is additional information regarding Complaint ID : XXXX. 

In their rebuttal statement, they say the card was issued on XX/XX/2023, later in the same long paragraph, they admit I called on XX/XX/2023, because I had trouble with the application. The card was then issued on XX/XX/2023, which puts the shorted discount of the purchase made on XX/XX/2023, within the 60 days. Plus, there was never a fraud claim made and certainly not on XX/XX/2023, as we were getting the application filled out. I think they locked out the log-in because they were tired of getting emails asking about the XXXX?
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I already paid off all the amount I looking for refund of late fee XXXX XXXX because I try to pay before but the bank of America not listen to my instructions to collect the amount. 
they own me XXXXXXXX XXXX as reward but decline to give it to me back because they close my account. 
the main problem there are two methods bank of America can collect from my XXXX XXXX account one call XXXX regulars debit to my account they did this before and collect the money other electronic check not go through. 
I explain this many time to customer services bank of America every thing recorded but they not listen to me I want investigation
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-05-09
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. (IL)

I have sent letters and etc .... through certified mail. I also have been reaching out to XXXX XXXX, and Experian to try and get this resolved no one has been able to help. 
I have fraudulent accounts reporting to my report that needs to be removed immediately. 
15 usc 1681-2 states " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft '' these companies XXXX XXXX, and Experian must remove these fraud accounts immediately. 

XXXX XXXX XXXX XXXX - {$8000.00} - XX/XX/2023 XXXX XXXX XXXX- {$560.00} - XX/XX/202XXXX XXXX XXXX XXXX - {$370.00} - XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX - {$86.00} - XX/XX/2023
Consumer complaint received 2024-05-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FORD MOTOR CREDIT CO. (FL)

Received a call from XXXX XXXXXXXX XXXX today regarding a XXXX  ( yes that's right a XXXX ) car claim. Fairlane Credit is the main creditor. They have tried tactics in the past where this has been XXXX in bankruptcy and the statute of limintations has LONG expired. Yes that's right, 2003 was the repossession date and they are threatening me with legal action and phone calls for this debt that the statute of limitations provides. 

They have tried these tactics in the past as well and now I get this phone call today. They're fishing for information to try to get me to pay on a debt. 

The person at XXXX XXXX XXXX noted to me they are trying to put a XXXX on my taxes or something I didn't understand. 

STOP THE HARRASING PHONE CALLS OVER A XXXX XXXX XXXX DEBT!!!!! 

If you call me again or threaten me with legal action, I will hire an attorney to come after you. PERIOD.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I disputed incorrect, inaccurate, and fraudulent information on my consumer credit reports with XXXX, Equifax, and XXXX several times in 2023. I sent written disputes multiple times in 2023 in the mail regarding the fraudulent account with XXXX XXXX  on my personal credit reports. I received responses from all three credit reporting agencies showing the item was verified and remains. I requested as per my rights under Federal Law with the Fair Credit Reporting Act ( FCRA ) proof/verification of this item in writing. All disputes were mailed to the credit reporting agencies in writing multiple times in 2023. I requested proof of the investigation from the credit reporting agencies multiples times in writing in 2023, which I am entitled to have under the FCRA upon request. I also requested in writing multiple times, proof supporting the credit reporting agencies decision to leave the item on my report as " Verified ''. I requested proof of verification that this item was authorized in writing. I also requested proof in writing showing original signatures of the item XXXX XXXX  XXXX was authorized by me. The credit reporting agencies have continued to ignore my requests in writing, they only respond with " we verified this items belongs to you ''. There is no supporting documentation offered that verified any proof of this item being valid, no supporting documentation in writing showing original signatures authorizing this item. Since the credit reporting agencies can not provide proof of their investigation or proof of the item belonging to me, I requested multiple times the item be removed from my credit report and this would be in compliance with the FCRA. I have not received any written documentation proof and the item remains on all three personal credit reports on XXXX, Equifax, and XXXX after having submitted multiple written dispute requests in writing to all three national credit reporting agencies.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX XX/XX/198XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX Dear CFPB, I want help to access enforce the payment of the relief funds and regular policy and help to the resolve the existing claims : claim number XXXX {$100.00} claim number XXXX {$1500.00} claims number XXXX {$170.00} Claim number XXXX {$180.00} claim number XXXX
Consumer complaint received 2024-05-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FORD MOTOR CREDIT CO. (FL)

Received a call from XXXX XXXX XXXX today regarding a XXXX ( yes that's right a 2003 ) car claim. Fairlane Credit is the main creditor. They have tried tactics in the past where this has been discharged in bankruptcy and the statute of limintations has LONG expired. Yes that's right, XXXX was the repossession date and they are threatening me with legal action and phone calls for this debt that the statute of limitations provides. 

They have tried these tactics in the past as well and now I get this phone call today. They're fishing for information to try to get me to pay on a debt.

The person at XXXX XXXX XXXX noted to me they are trying to put a 1099 on my taxes or something I didn't understand. 

STOP THE HARRASING PHONE CALLS OVER A 21 YEAR OLD DEBT!!!!! 

If you call me again or threaten me with legal action, I will hire an attorney to come after you. PERIOD.
Consumer complaint received 2024-02-24
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. ()

Again tis is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I disputed incorrect, inaccurate, and fraudulent information on my consumer credit reports with XXXX, XXXX, and TransUnion several times in 2023. I sent written disputes multiple times in 2023 in the mail regarding the fraudulent account with XXXX XXXX  on my personal credit reports. I received responses from all three credit reporting agencies showing the item was verified and remains. I requested as per my rights under Federal Law with the Fair Credit Reporting Act ( FCRA ) proof/verification of this item in writing. All disputes were mailed to the credit reporting agencies in writing multiple times in 2023. I requested proof of the investigation from the credit reporting agencies multiples times in writing in 2023, which I am entitled to have under the FCRA upon request. I also requested in writing multiple times, proof supporting the credit reporting agencies decision to leave the item on my report as " Verified ''. I requested proof of verification that this item was authorized in writing. I also requested proof in writing showing original signatures of the item XXXX XXXX  XXXX was authorized by me. The credit reporting agencies have continued to ignore my requests in writing, they only respond with " we verified this items belongs to you ''. There is no supporting documentation offered that verified any proof of this item being valid, no supporting documentation in writing showing original signatures authorizing this item. Since the credit reporting agencies can not provide proof of their investigation or proof of the item belonging to me, I requested multiple times the item be removed from my credit report and this would be in compliance with the FCRA. I have not received any written documentation proof and the item remains on all three personal credit reports on XXXX, XXXX, and TransUnion after having submitted multiple written dispute requests in writing to all three national credit reporting agencies.
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-10
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. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On a reply from Capital One on XXXX XXXX  I am being informed that Capital One has stated " In your request, you also indicated that you believe we should not be reporting your account to the CRAs. However, according to the terms of your Customer Agreement, we may report information about your accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report. '' While according to 15 USC 1681b ( 2 ) ( I ) exclusions in reporting containing information solely as to transactions or experiences between the consumer and the person making the report. Reporting a Late payment is a violation of 15 USC 1666B Timing of payments ( a ) Time to make payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Capital One has asserted and enforced upon a consumer right directly violating the right to report certain information on my behalf. I have never been given the right to opt out of the reporting on this account this is my final attempt of removal before a small claims will be filed for violations of consumer rights and rights under the Fair Debt Collection Practices Act, Fair Credit Reporting Act and Gramm-Leech Bliley Act. The account is reporting as closed but not removed from still reporting.
Consumer complaint received 2023-12-18
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (OH)

To Whom It May Concern, I am filing this complaint against National Credit Systems , Inc. regarding their handling of an alleged debt associated with XXXX XXXX XXXX. This situation concerns account number XXXX, with a series of communications and evidence submissions dating back to XX/XX/2023. 

Summary of the Issue : Initial Dispute and Evidence Submission : On XX/XX/2023, I sent a final notice and reassertion of my debt dispute to National Credit Systems , Inc . This included substantial photographic evidence, sent via certified mail and email, showing violations of our lease agreement by XXXX XXXX XXXX, specifically under Florida Statutes 83.51 ( 1 ) and 83.53 ( 2 ). 

Evidence of Communication : On XX/XX/2023, I forwarded screenshots of the dated dispute letter, the certified mail receipt, and a photograph of the letter being sent. This was to ensure that there was no discrepancy in communication and to serve as an additional documented response. 

Failure to Address Evidence : Despite the clear and documented evidence provided, National Credit Systems , Inc. has failed to adequately address or refute the claims made. Consequently, I have reiterated that unless the agency provides a substantive rebuttal to the evidence, the alleged debt should be considered invalid. 

Demand for XXXX : I have repeatedly demanded that all collection activities, including any reporting to credit bureaus, cease immediately unless National Credit Systems , Inc. can lawfully rebut my claims. A written acknowledgment of the closure of this account has been requested within 15 business days from each communication. 

Given the above details, I believe that National Credit Systems , Inc. 's failure to properly address the provided evidence and to invalidate the debt is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). Their continued pursuit of this debt, in the absence of a proper rebuttal, not only disregards the evidence but also my rights as a consumer. 

This situation has caused significant stress and inconvenience, and I seek the CFPB 's assistance in resolving this matter fairly, in accordance with federal regulations. 

Thank you for your attention to this issue