davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc. (MN)

I am writing to file a complaint against Mr. Cooper, my loan servicer, for their malpractice during the loan assumption process. I have been in the process of selling my home since XX/XX/2023, with an FHA loan serviced by Mr. Cooper. The intended transaction involves the assumption of the current loan by the buyer, with the remaining amount to be paid in cash. Despite significant effort to explain the assumption process to potential buyers, we encountered numerous issues with Mr. Cooper, leading to the loss of a buyer who signed a purchase agreement on XX/XX/2023. Sabotaging behaviors, inconsistencies, and contradictory instructions from Mr. Cooper were significant factors in this loss. Multiple attempts were made by my broker and me to communicate with Mr. Cooper representatives, resulting in inconsistencies in response and a lack of understanding regarding the loan assumption process. Representatives provided conflicting information on the approval timeline, ranging from 4-6 months to 45-70 days, deterring the buyer intentionally. Furthermore, the lack of coordination and understanding among representatives created confusion for the buyer, eventually leading them to pursue other options. A subsequent purchase agreement with another buyer is now jeopardized due to similar inconsistencies, with Mr. Cooper citing missing documents ( license and social security images ) while contradicting statements from different representatives. The requirement for me to proactively call to check the status of missing documents is both burdensome and, in my opinion, unethical. This practice has left me feeling helpless and may result in the loss of another buyer due to Mr. Cooper 's malpractice. I urge the CFPB to investigate this matter thoroughly and take appropriate action to address Mr. Cooper 's inconsistent and obstructive practices in the loan assumption process. There is a reason this company is related so poorly with the XXXX and there are current lawsuits pending regarding their recent cyber security attack. Your assistance is crucial in ensuring fair and transparent dealings for consumers. Thank you.
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (CA)

Requested validation of debt. I am requesting that a statement that the communication is from a debt collector, your name and mailing information, along with the name and mailing information of the debt collector, the name of the creditor whom states I owe the debt to the account number associated with the debt, an itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, the current amount of the debt when the notice is provided, Information I can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong. Also I would like to see a contract between you and the creditor stating that you have a right to collect this reported debt.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've always made sure payments on this account are timely, never letting them become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I DONT RECOGNIZE OR RECALL ANY OF THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
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. (TX)

This is Several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 

OAG CHILD SU XXXX XXXX : {$4500.00} ; ATTYGENERL XXXX Balance : {$4500.00}.
Consumer complaint received 2023-09-21
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 : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

This is a fraudulent account, I did not have any contact with this company.
Consumer complaint received 2024-01-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Kramer & Frank, P.C. (MO)

Kramer and Frank LLC brought a loan from the XXXXXXXX XXXX for only XXXX in XXXX per the court doc they filed. The loan was take in XXXX. Kramer and Frank and doubled the amount in interest on the loan. Their practices are robbery. They will not answer the phone about the matter and I can not get in touch with the correct person to handle the case. No one will provide clear answers or speak with you. They never served me in XXXX ( as the original ) court document has. They are a predatory company who are using practices to rob the poor and not provide information needed to settle this matter. Their practice and fees should be looked into and their target demographic that they are charging unruly interest on.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Credit Karma (CA)

After file my tax I decided to go with XXXX XXXX and they offered credit kharma to have my tax return. So I decide to out my direst deposit to my credit kharma debit card. After my direct deposit from work we r thru. After 2 day on XX/XX/XXXX, there was two withdraw transaction in XXXX XXXX California with me debit card. I receive a messege thru credit kharam app. I was at work ar XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have my debit card with me. I called the credit Khama help center and they denied my dispute. They giving me all these reasoning saying check my email and theyre not helping me. I work hard for my money and I only get paid {$18.00} an hour. So {$400.00} is a lot for me. Can you please help me. I am so angry I went with this company because they scamed me.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

On XX/XX/XXXX, an individual from XXXX got my routing and account number and proceeded to try to write a check in my name and now several withdrawals in the time since then. I alerted USAA immediately and they are refusing to close the account in question. I have moved my money out of that account, but USAA is allowing XXXX withdrawals to continue. I can't keep calling them and disputing these charges daily and they refuse to close the account. I have been told that the account was put in credit only status and that everything would auto reject and none of that is true and I can't rely on this bank to take action and close this account.
Consumer complaint received 2024-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (PR)

I have been charged {$230.00} from a Citibank account and {$3200.00} from the XXXX XXXX XXXX, which is, not mine. They belong to my mother, and she has never used my SSN ; she requested it on her own and asked for an additional cards for me because I was a XXXX XXXX  at the time and I was not working. and they are sending it to my credit report, she sent a letter about it and is still at the report CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-10
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: TRUIST FINANCIAL CORPORATION (IN)

I ask him well over 6 months ago to verify the account with proof of contract with my signature by law they have to provide it or delete it off my credit. They are breaking federal law and nobody has hold them accountable
Consumer complaint received 2024-05-20
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: CREDIT ACCEPTANCE CORPORATION (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CREDITACPT, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Missouri Revised Statutes and identity theft fraud laws, specifically Missouri Statute 570.223.

It has unequivocally come to my attention that CREDITACPT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Furthermore, Missouri identity theft laws, such as Missouri Statute 570.223, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for CREDITACPT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CREDITACPT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri identity theft fraud laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDITACPT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (ID)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX  # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX  XXXX XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX -- IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-29
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 disagree with the results of your recent verification pertaining to the items reported on my credit account. I had initially lodged a dispute regarding this item, and I wish to address certain aspects of your verification process which I believe require further examination. In your response, it was mentioned that my claim is disputed, and a request for VALIDATION and PROOF OF CLAIM of the alleged debt was made in accordance with the Fair Debt Collection Practices Act, Furthermore, as a consumer invoking my specified remedy and as the original creditor, I understand that my request for VALIDATION and PROOF OF CLAIM is in accordance with applicable regulations, but I would appreciate further clarification and specific documentation in relation to these demands. Specifically, I kindly request that the certified copy of the original contract bearing my signature be provided, explicitly naming your company as an entity authorized to enforce a commercial claim against me.
Consumer complaint received 2023-09-21
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. (ID)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- IDENTITY THEFT XXXX XXXX XXXXXXXX XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX -- IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MA)

Weekly, I receive letters for balance transfer from XXXX. This includes a balance transfer letter received today for {$7900.00}. Also today, I received a letter from XXXX stating they are unable to approve my application based on informaion received from Equifax. I attempted to make contact with both companies today and all I received were automated responses. I have worked hard to maintain my credit and this is where I take action. In reaching out to ethier company they are required to provide me with negative information that was used to deny an application pushe on me for a balance transfer.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-20
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: U.S. BANCORP (MD)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

.
Consumer complaint received 2024-05-19
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I had a Capital One credit card that had a balance of like {$2000.00} or something like that and this woman I was seeing said she needed to use my credit card to make a payment so she was going to pay off the balance on my card and then put the money which she did, my balance was XXXX  out and it said payment had gone through. So I was like okay cool. Three days later I get a report saying that the money has been with drawn or it didn't post so now I'm responsible for the XXXX  that was in there plus the XXXX  that this lady said that she was going to make her son 's college payment with or some XXXX  and Capital One did absolutely nothing to help I've never been so disgusted in my life.
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (TN)

I have been a victim of identity theft. I have processed the correct paperwork according to the FCRA and the credit agencies are not attaching the paperwork to the disputes and removing the accounts per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOVERY ASSOCIATES , LLC is sharing my nonpublic personal information with non-affiliated third parties XXXX, XXXX XXXX XXXX. PORTFOLIO RECOVERY ASSOCIATES , LLC does not have my consent to have and share my private personal information. As well, the information that they are reporting is inaccurate and false. They are reporting an open date of XX/XX/XXXX, and date of 1st delinquency as XXXX of XXXX. I have never opened an account with PORTFOLIO REVOVERY ASSOCIATES, LLC. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.