davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (IN)

I filed a claim with my homeowners insurance company back in XX/XX/2023 received the check from my insurance co. had to sign it and send it to Mr.Cooper to sign and release funds I sent the check with the insurance adjuster 's paperwork that they wanted to have, many months go by and they have not released the funds so I check online and they said they did not received the paperwork for the adjuster so I sent it again more time goes by and sent it again because they keep losing the paperwork so I sent it again today XX/XX/2023 been talking to them just about every week but there is always something holding up the check and it is always them stating that they did not get all the papers from the insurance adjuster that I had sent many times over, The check was in the amount of {$72000.00} as I read thru XXXX  I see a lot of these remarks from people that Mr. Cooper is holding the insurance check ransom from people who have had a claim for their homes. I have even asked Mr. Cooper if they would call the insurance company to get everything that was supposedly missing from all these times that I have send the paper work to them and of they even stated they would call themselves as this is just unreasonably taking too long and they should have notified me about the missing paperwork from the claims adjuster even though I have sent it over to them multiple times over and it still gets lost, I don't think they are losing anything I think they are just holding the money in a bank collecting the interest off the checks that they receive for homeowners claims that they get. Mr. Cooper has had my insurance adjuster 's paperwork for months now with the check while my house is falling apart because of their negligence on getting the check issued for the roof to be fixed.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) These Addresses are not mine. Never Lived at any XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
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. (FL)

Subject : Formal Complaint of Consumer Rights Violation under the Family Educational Rights and Privacy Act ( XXXX ) and Relevant Federal Regulations Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX, TransUnion and XXXX regarding the violation of my consumer rights under the Family Educational Rights and Privacy Act ( XXXX ), 20 USC 1232g ( b ) which protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school., and other pertinent federal regulations. I believe my rights have been violated in the following ways : XXXX. Reporting of Charged Off Closed Account as Income : XXXX, TransUnion and XXXX has continued to report a charged-off closed account on my credit report. This account is considered income according to IRS publication [ XXXX IRS XXXX ]. Reporting income on a credit profile is illegal and a clear violation of XXXX. 
XXXX. Reporting Collections on Sold Accounts : XXXX, TransUnion and XXXX is reporting collections on accounts that have been sold to third-party companies with whom I have no contractual relationship. This is in direct violation of my consumer rights, as the original creditor has transferred the debt, and I should not be held responsible for a debt with which I have no agreement. 
XXXX. Reporting of Late Payments in Violation of XXXX XXXX XXXX : XXXX, TransUnion and XXXX has also reported late payments on my credit profile, which is a violation of XXXX XXXX XXXX. This law protects consumers from unfair credit reporting practices, and reporting late payments inaccurately damages my creditworthiness. 
XXXX. Failure to Provide Opt-Out Options : None of the financial institutions or credit reporting agencies, including [ Name of Credit Reporting Agency ] , have provided me with my opt-out options as required by 15 U.S.C. 6802 and 12 CFR 1016.1. This omission has deprived me of my right to control the sharing of my personal information. 
I have taken the necessary steps to resolve these issues with XXXX, TransUnion and XXXX directly, but my efforts have been unsuccessful, and the violations persist. As a result, I kindly request the Consumer Financial Protection Bureau 's assistance in investigating and rectifying these violations of my consumer rights. 
I have attached relevant documentation supporting my claims, including copies of credit reports, correspondence with XXXX, TransUnion and XXXX and any other pertinent records. 
I understand that the Consumer Financial Protection Bureau is responsible for addressing and resolving consumer complaints related to violations of federal consumer protection laws, and I look forward to your prompt attention to this matter. 
Thank you for your assistance in addressing these violations of my consumer rights. Please do not hesitate to contact me if you require any additional information or documentation.
Consumer complaint received 2023-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cornerstone Holdings, Inc. (AK)

On XX/XX/2023 I sent a certified letter to Cornerstone Credit Services to validate a debt they claim I have with them. As of today XX/XX/2023 I have not heard anything back from them by mail, phone or email. 
They claim I owe for an internet bill with XXXX in the amount of XXXX. 
This debt has been listed on my credit report.
Consumer complaint received 2023-11-14
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (SC)

I got into a situation where I had no choice but to get a title loan on my car. I had just started my job, and we only get paid every XXXX weeks, and I had to eat.. so I got the title loan thinking I would pay it off early. The rep said I had a good credit score with them because I paid back the previous title loan. I assumed that since I did that, I should get a lower interest rate.. by was I wrong!! My interest rate is so high, that the rep told me it was all complete, that if I paid it back as scheduled, they would make {$11000.00} off of my {$2000.00} loan. My payment is close to {$400.00} per month, and the bill increases even after I pay them! How is that legal for them to make that much money off of people who obviously are struggling or they wouldnt be getting a title loan in the first place! Seems like you only have XXXX choices in this situation, you either forfeit your transportation, or you make the payments and pay them enough to almost buy yourself a new car.. I tried to contact them about getting a lower interest rate, but they never called me.. I think interest rates that high should be illegal!! Someone that is so short on cash that they have to put their car up, shouldnt be paying such high rates. They set you up for failure no matter what and thats not right..
Consumer complaint received 2024-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (FL)

I am writing to express my deep concern regarding the debt collection attempts being made by CAINE & WEINER XXXX is distressing to me that my consumer rights are being violated by the actions of this collection agency. THIS COMPANY IS ALSO NOT REGISTERED OR LICENSED IN MY STATE OF Florida. 

As a result of the false information being reported by CAINE & WEINER XXXX, I have faced significant challenges in finding housing, obtaining a loan, and securing a credit card. These are essential services that have been denied to me due to the inaccurate information being reported on my credit report. 

I am reaching out to the CFPB in hopes of finding a resolution to this issue. I request that CAINE & WEINER COLL ceases all attempts to collect this debt and takes immediate steps to correct the inaccurate information on my credit report. My ability to access necessary services is being hindered by their actions, and I urge the CFPB to intervene on my behalf. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2024-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (TN)

Wakefield collections on XXXX XXXX XXXX XXXX for over XXXX was not filed with XXXX and XXXX XXXX it shouldve been they knew I had XXXX  XXXX and I was not to be charged a cent they took my info and I called ask and ask the XXXX XXXX XXXX  ssid we mailed ur info to you I ask for proof she said its in the mail You will be charged you dont pay it goes to collections Asking why I was charged when my insurance approved and said I was to be charged XXXX Bit as you service true to get them to remove info they XXXX
Consumer complaint received 2023-11-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

On XX/XX/2023 someone was able to access my personal account and open up a " business account, '' making a number of fraudulent purchases. 

I immediately called XXXX to report the fraudulent purchases and they assured me that they would open an investigation. They apparently did not and sent it to a collection company called ; " Credit Collection Services '' at XXXX XXXX XXXX, XXXX, Massachusetts, who are now harassing me over this debt. 

According to Credit Collection Services I owe {$5200.00} This is not a debt I owe. This was all fraud.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected. I'm looking forward that you will resolve this issue as soon as possible. 
XXXXXXXX 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 2023-11-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (LA)

We have a Heloc from XXXX XXXX, which we have paid consistently despite the rate increases. 
In XX/XX/, XXXX transferred the loan to XXXX XXXX and raised our fees and payments by more than XXXX. 
When I called to inquire about the change, they stated it was a " system error that they were aware of and would be addressing... .nothing should change ... our amount would remain the same. '' An updated statement was sent, reverting back to our normal payment. I immediately submitted the payment via their online system, although their online system still reflected the inaccurate statement requirement. 
I called again and they stated it would be rectified It wasn't. 
I have since called 6 times asking for assistance. I have been disconnected 4 times and am again sitting on hold ... .so far 20 minutes and counting. I tried emailing and chatting, and still no assistance. 
I have since received a letter stating that I still owe the XXXX XXXX  which was due immediately or there would be penalties. Again, I was told this was an error in their system. 
Last week they had a " system outage, '' which they now say is rectified, yet the data is still incorrect. 
I received a New statement that now states we owe more than XXXX, including a past-due payment I already made. 
It's now 40 minutes on hold. 
I am a military widow on a fixed income and should not be taken advantage of in such a manner. I have made every attempt to communicate and address the errors in their system but to no avail. 
Now they disconnected the call... again. 
Their actions deserve to be investigated and reported as they seem to be fraudulent in their actions and customer service. 
Would appreciate it if you could look into this. I am happy to provide any and all documents for proof and verification. 

Thank you.
Consumer complaint received 2023-09-13
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: Experian Information Solutions Inc. (GA)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX was reporting on my credit report and I had a lawyer investigate this company and it's not a real credit card company and it has been removed from my XXXX credit report but not XXXX or Equifax Credit report and I do have proof showing it has been removed from my XXXX credit report.
Consumer complaint received 2023-11-14
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: DISCOVER BANK (FL)

i decided to go to XXXX XXXX shop in XXXX XXXX  for an issue i had with my car overheating. they held my car there for 2 weeks, and when i got my car back i had to pay XXXX dollars out of pocket and my dad paid XXXX with a total of XXXX in payment. leaving the lot i realized my car not only was overheating still, but my engine light turned on along with the AC not working. i tried calling back they answered and when they said theyd call me back they never did. they arent trying to give me a refund and when i called discover to dispute this, they proceeded to tell me time and time again they couldnt help me because service was provided but it wasnt. because my car isnt fixed and they wont give me a refund.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (NC)

XXXX XXXX XX/XX/2023 FOR XXXX XX/XX/2023 FOR XXXX XX/XX/XXXX FOR XXXX THE ITEMS ABOUT WERE PUT ON MY CONSUMER REPORTS AND I WOULD LIKE THEM REMOVED
Consumer complaint received 2017-04-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have XXXX credit cards with Capital One. I do n't have cards for either account and Capital One ca n't seem to issue me any when I request them. For almost a year they have n't been able to tell me why they ca n't issue new cards. They also ca n't tell me what 's wrong with my online banking account. When I log in it shows that I owe a large balance on both cards, but both cards have XXXX balances. When I call them on the phone ( I have to call to make payments ) they say I have a XXXX balance. But when my statements come in the mail they show me owing a balance. I asked them to send me a letter confirming the XXXX balance on the cards. The letters, cards and other correspondence they promise to send never arrives. One CS rep told me my account somehow got mixed up with another customer, but no one, not even the managers, seem to know what 's going on. I wrote them and they said they were going to close the accounts. I 'm uncomfortable with them closing the accounts until this situation is sorted out as it may reflect badly on my credit report. I hope to purchase a house this summer so it 's important that I get resolution to this situation as soon as possible.
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CO)

I received a letter dated XX/XX/XXXX stating I had 129 qualifying payments which would qualify me for PSLF and having my remaining balance forgiven. This letter came after I paid my loans off in early XXXX. Because the letter stated 9 payments more than the required 120, I would like a refund of my payment and to have my loans forgiven through the program.
Consumer complaint received 2023-11-14
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)

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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC (LA)

XX/XX/XXXX with speedycash. {$300.00} is the amount taken out and this was not me. I have had this happen multiple times with these payday loan companies, and none of what was taken out was done by me! Please help me fix this, I have no idea where to start or who to contact. It is affecting my credit report!
Consumer complaint received 2018-05-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Michael J. Scott, PC (TX)

While reviewing my bank account on the morning XX/XX/2018, I notice that my account was placed on hold with a - {$6600.00}. I contacted the institution who informed me they received a letter of garnishment and they required by Texas State laws to get outside council and seek 125 % of the total debt, post debt, and up to {$1000.00} in attorneys fees but that it had not been referred to outside council yet. I immediately asked the representative why wasn't I informed of this by them and ask if I could seek council and for them not to do it because I can not afford to pay the additional charges related to this charge because I didn't open the account and needed to gather more information which i requested from them. The bank gave me the debt holders information which was XXXX XXXX who's represented by XXXX XXXX XXXX. I contacted XXXX XXXX who directed me to XXXX XXXX XXXX who would not speak to me but simply transferred me to a debt collector who I explained to that I believed that a family member who had previously used my information had opened and used the account as if they were me. I asked could we reach a settlement agreement the waved all of the late fees that have built up over a 10 year period which they refused. I pleaded with them to no avail speaking to multiple agents. I am only willing to settle this because I sure it was a family member who did this and I just want to clear my credit.
Consumer complaint received 2023-09-09
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: EQUIFAX, INC. (TN)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items are updated.+ XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$690.00}
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I disputed a bankruptcy that's in credit report i ask the credit bureau to verify information and if verify to send that information from the company they verify it and they telling me the by law they not supposed to give any information I send a letter from the bankruptcy department were they specify they don't report or verify to the credit bureaus also send a letter from XXXX XXXX showing there no information to verify from there records
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX is a fraudulent account because they keep adding fraudulent charges to a charged off closed account. They sent me a letter stating that they will Cease and Desist from contacting, reporting unlawful information on my report and collections, but still persist on doing so. Per FCRA that is a violation.