davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (MD)

Oct/Nov 2023 : MR. Cooper sent me an email notice asking me to check online message regarding my monthly payment for the 30-year mortgage I have in XXXX or XXXX timeframe. The message was about increased escrow ammount due to increased tax payment. 
XXXX : because the company sent me so many emails and tried to call me to notify me about the big data breach incident they had, or ask me to refinance my mortgage for their marketing effort, I did not take it serious that I recevied an email to check online. In addition, at the time, I forgot my MR. Cooper login info, so I did not check my online message informing me escrow account was increased. 
XXXX : I noticed my credit score was decreased from over XXXX to XXXX as notified by my credit card company, I checked and realized I was reported as mortgage past due. I called Mr. Cooper and learned that I didn't pay the escrow increase of {$150.00}. I have been paying my mortgage of $ 6229 monthly via my bank 's auto payment all these months. The unpaid amount is less than 2.5 % monthly fee I have been paying. I was furious! 
XXXX : I paid the escrow balance of {$310.00} on the phone and adjusted my monthly payment of mortgage to the increased ammount going forward. I also spoke to the company representative and expressed my shock and disapointment. The representative was very hostile and told me by definition I didn't make the payment. I confirmed that the company never called me or emailed me on the escrow change as aggressive as they did when they tried to market me about refi my mortgage. I also spoke to the manager, and was told that the company would correct my credit report. 
XXXX : My latest credit score is now only at XXXX. I have never missed a credit card or mortgage payment. this is outrageous! 
If Mr. Cooper spent more time on their IT management, they would not have had the data breach incidence and I would less likely to skip their email. In addition, Mr. Cooper called me way too agressive on refi my mortgage that I was afraid to pick up any call from them nor call them. I wish Mr. Cooper to spend more investment on training as well. If I have a choice, I would not have had my loan be serviced by Mr. Cooper. They do nothing to protect consumer 's interest.
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: TD BANK US HOLDING COMPANY (NV)

Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ).
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

I have received XXXX  hard inquiries on my account that are not me. 
Between XX/XX/XXXX and XX/XX/XXXX under the name comenity XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

In XXXX I reported this online credit card account to XXXX XXXX as not being my debt. Subsequently in XXXX I filed with all XXXX  credit reporting agencies that it was not my debt. After their investigation it was determined that it was not. At this point I had not received any correspondence from XXXX XXXX regarding the debt. In XXXX of XXXX I contacted XXXX as I was getting other credit card bills and/or debt collection letters. XXXX informed me that they had failed to put a freeze on my credit reporting account informing me of all the attempts and accounts in my name. All of these accounts were identity theft. The XXXX XXXX debt was included in this. In XXXX of XXXX I received a demand for payment from Portfolio Recovery XXXX XXXX for a XXXX  XXXX credit card. I immediately contacted them explained the situation and requested forms from them to file this as identity theft. I then contacted XXXX XXXX and requested the same thing. XXXX weeks later XXXX XXXX credit card services sends a letter stating their investigation shows it was my debt. They went so far as to say they had my banking account number in which that was prove the debt was mine. There is no way they have my banking information. They then said they sold the debt to Portfolio Recovery Associates LLC. XXXX again I contacted Portfolio went over the situation again and requested the identity theft forms. Once again I told them it was not my debt. I was sent copies of the purchases made nothing else. Additionally, Portfolio Recovery XXXX XXXX has made phone calls to me at XXXX XXXX.and XXXX XXXX., have used a relatives email to contact me, and sent repeated demand letters to me when I have repeatedly told them it was not my debt and to stop their harrassment.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MA)

Received a call from Chase XXXX on XX/XX/2023 informing me that, due a computer glitch on their end, the car rental I secured via card points was not booked and that I would need to pay for the car ( again ) at the time of pickup. I agreed and asked what my next steps should be to get a refund for the points/credit I'd originally used to secure the car. I was informed that I should submit receipts after returning the car ( XX/XX/XXXX ) and would receive a refund for points/credit. 
XX/XX/XXXX : Called chase XXXX, explained situation, was asked to submit paperwork proving I had paid in person for the rental car. I submitted receipts and paperwork for refund that day at XXXX am. 

XX/XX/XXXX : Received a call from Chase that they needed an invoice from XXXX to proceed. I submitted invoice from car rental to Chase that day ( XXXX ) at XXXX XXXX- was assured this was all the paperwork needed to secure refund and that the refund processing was submitted XX/XX/XXXX : checked chase statement for refund but had not yet received it. Called andwas assured that the refund was approved and was in process with accounting, told it would be reflected on next statement in early XXXX and that points would be refunded ). Supervisor apologized for the long delay between submission of paperwork and refund. She indicated she filed a complaint on my behalf. 

XX/XX/XXXX : Called chase travel to check on status refund, was told it had not gone through and the ticket had been closed. Supervisor resubmitted the request for a refund but did not give timeline. Could not connect me with anyone else to escalate request. 

XX/XX/XXXX : Called Chase Bank to see if they had any proof of the issues. They could not provide me with assurances or acknowledgement I would be refunded. I asked to file a complaint. The complaint number is XXXX.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rauch-Milliken International, Inc. (NC)

This company purchased my debt from another company and the egregious charges applied are not even from any agreement I ever made with they company they purchased my debt from! My privacy has been violated by damaging my private records into the public. In an attempt to make some fast easy money off me.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (SC)

In accordance with the Fair Credit Reporting Act, LVNV Funding, LLC partial account # XXXX has violated my consumer rights. I did not give LVNV Funding, LLC written permission or instructions to furnish this negative account on my consumer report. 15 US Code 1681 section 602 A States that I have the right to privacy. 15 US Code 1681 section604 A section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-29
Product: Debt collection — Auto debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

This company has contacted me numerous amount of times in XXXX. They even filed a law suit against me for the debt. I called and specifically asked the representative for the letter that stated the judgement they filed against me in early XXXX. He only sent me two letters a letter of acceleration and another total loss letter. Nothing of which I asked for. This company is difficult to deal with. IF you may please get that letter they sent me saying that they were suing me for the full amount of the loan. I am annoyed because he steered me in the wrong direction saying it was a letter of acceleration knowing it wasn't. He lied because he doesn't want to provide me with proof that they were trying to sue me.
Consumer complaint received 2023-11-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Dear Sir/Madam, I moved to the XXXX from XXXX in XXXX and held HSBC debit and credit cards until XXXX as my XXXX accounts were active. I never used the credit or debit cards. However, my credit card was linked to my debit card for overdraft protection. At some point my account went into overdraft due to an erroneous transaction and started pulling money from my credit card for overdraft protection. I was never informed of this by HSBC and over the next XXXX years the credit card accumulated approx. XXXX XXXX  in fines and charges. HSBC says they sent letters to my old address which never reached me. In XXXX a collections agency called me stating that the debt has now been sent to collections. I reached out to HSBC and tried to resolve the issue, but they refused to cancel my debt. This is still showing up on my credit reports and I am unable to get a house loan. I would like this removed from my credit report as I feel HSBC has been unfair with this whole episode and tagged me with exorbitant charges fees that I never incurred. They made no sincere efforts to inform me of the glitch and all the monies owed are essentially HSBC fees and fines. Any help in this matter would be very appreciated. 

Sincerely XXXX XXXX
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: LEXISNEXIS (TN)

I reached out to the Bankruptcy courts in writing asking them do they verify information about bankruptcy cases. They sent a letter to me stating that they do not verify information. I contacted LexisNexis with this information and let them know that the courts are stating that they do not report any bankruptcies. I sent copies of the letter from the courts and asked that this information be removed from my credit report. I am attaching the letters that were sent. On XX/XX/year> I contacted XXXX by phone because I put in a dispute and they responded that the bankruptcy had been verified. I spoke with a customer service rep by the name of XXXX and asked who did they speak to at the courts, because according to the courts they do no verify information over the phone. He went on to say that they did speak with someone with the courts and with Lexis Nexis and the bankruptcy was verified. He never gave me the name of who he spoke with at the courts, the date, the time, nor did he provide with the phone number he called, what documentation he had to verify that the information that he claimed was verified as accurate, this inaccurate reporting has caused me severe financial and emotional distress. At the end of the call with XXXX he asked me to send them a copy of the letter, which makes no sense to me because he claims that they spoke with someone from the courts and with Lexis Nexis which Lexis Nexis sent a letter to me stating that they had suppressed my file. I would like for Lexis Nexis to send me a letter stating that this information is no longer being reported and has been removed from their system. I also sent the same information XXXX XXXX XXXX And for all three credit bureaus to delete this information from my credit report immediately
Consumer complaint received 2024-05-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (OH)

My online access has now been blocked and I am unable to close my account and have my monies overnighted to me. Here is a chronicle of events : XX/XX/XXXX I was able to transfer XXXX via XXXX to my XXXX account XX/XX/XXXX I was able to transfer XXXX  via XXXX to my XXXX account XX/XX/XXXX I requested to Wire Transfer XXXX to my XXXX account XX/XX/XXXX I received an email asking for me to call Citibank to verify my identity. I called and answered all of their questions. 
XX/XX/XXXX The Wire Transfer was cancelled and my account was closed due to suspicious activity. 
XX/XX/XXXX Citibank opened up account XXXX XXXXand moved my money ( with the exception of the XXXX. I had to call back after a XXXX  of days to have that moved ) XX/XX/XXXX Citibank deposited the interest earned of XXXX  from XXXX into the old account XXXX XXXX. I had to call and ask them to move it and unlink my new XXXX  card to the old account. 
XX/XX/XXXX I requested Wire Transfer XXXX to my XXXX account XX/XX/XXXX I received an email asking for me to call Citibank to verify my identity. I called and answered all of their questions. 
XX/XX/XXXX My Wire Transfer of XXXX was cancelled saying that they were unable to verify that I requested it and I was told to try again XX/XX/XXXX I requested another Wire Transfer of XXXX XX/XX/XXXX I received an email asking for me to call Citibank to verify my identity. I called and answered all of their questions. 
XX/XX/XXXX I received an email saying that my Wire Transfer of XXXX was cancelled saying that they were unable to verify that I requested it XX/XX/XXXX My online account was blocked. I called in and because my cell phone is owned by XXXX XXXX ( my employer for XXXX  years ), they said that they were unable to verify it was me. 
XX/XX/XXXX I was told that I would receive a letter in XXXX to XXXX  days with a code. I need to call in then with the code. 
I no longer wish to do business with Citibank for the above reasons. Please close my account and overnight a check to the address listed on the account. It is the same address and phone number that I have had ever since opening my account.
Consumer complaint received 2024-03-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (WA)

This is in reference to the initial complaint submitted on XX/XX/2023, CFPB number : XXXX. The original issue was never resolved. After receiving copies of coverage from both the insurance company and mortgagee, Freedom Mortgage continued to state there is no insurance coverage. Additional insurance was purchased with escrow funds. It is because of this there is an escrow shortage. The " CERTIFICATE OF INSURANCE FOR COMMUNITY ASSOCIATIONS '' specifically states the following under remarks : All premiums paid in full by Association.

Property Manager is included on the XXXX XXXX. 
Lender Email : Waiver of subrogation against unit owners is included. 
Covers interior walls and fixtures as originally built. Wind/Hail is included under Property coverage. 

Please do not close this complaint without contacting the mortgagee.
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: Global Lending Services LLC (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-11-28
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. (FL)

in accordance with the fair credit reportingact XXXX  account # XXXX XXXX XXXX has violated my rights 15 U.S.C1681section 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
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX  XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$9100.00}
Consumer complaint received 2023-08-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have lost XXXX points within in month time. I just open another account that I had in good standard and I started losing points from there. All my accounts are in great standard! Im not getting the credit I deserve. My Credit score wont go up when it should! My accounts are not reporting balance decreasing, but are reporting great standard and Im not getting any credit! All credit cards are at only 35 % use and decreasing! Im not getting the credit I deserve! Theres no way my credit score still should be at the borderline XXXX. This is fair, they want to keep at the XXXX range! Investigates my accounts, I should be close to the XXXX range, they come up with something to keep my score down!
Consumer complaint received 2024-02-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I sent a debt validation letter the the corporate office of Capitol One Auto Finance, I also sent a request for the Original contract, and a letter requesting the Original Creditor. I was called by an agent and I was told that I would not receive any of these documents and that I was not eligible for refinancing because Capitol One does not refinance any of their contracts. This information was not provided to me in the terms of the vehicle purchase. I have paid {$24000.00} on a vehicle that was originally priced at {$12000.00} under the guise that I would own the car in two to three years. I have attempted several times to speak with this company, and I have gotten the runaround. The debt validation letter was sent on XX/XX/2023. I have not received any correspondence from this company and I am being charged entirely too much money for this vehicle. I need a fair resolution to this situation. I will continue to view my options under the Truth in Lending Act and the UCC codes. This is forcing financial duress, invading my privacy, and violating my rights.
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I discovered that the information in my credit report is incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus XXXX and Transunion to validate this account ( A ). It is not permissible to fail to validate this reporting account is unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX : {$16000.00}
Consumer complaint received 2024-05-10
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: LEXISNEXIS (IL)

So basically I have been sending letters for 6 months and they all have been rejected, I ask Lexus Nexus to Remove the Bankruptcy, they used a public online system to research, not Verifed some information. Not acceptable at all I also have the company responding stating that dont furnish, nor verify any information.