davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NJ)

I am writing to file a formal complaint against Lakeview Mortgage and Mr. Cooper regarding their failure to make payments for my homeowner 's insurance coverage with XXXX XXXX, even though I have been paying into an Escrow account set up specifically for these payments. As a homeowner, I rely on my mortgage company to handle all necessary payments, including insurance, through my escrow account, which has been set up by the company. However, Lakeview Mortgage and Mr. Cooper failed to pay my insurance for over a year, resulting in the cancellation of my insurance policy. I have been a loyal customer of XXXX XXXX for 11 years and this negligence has severed that relationship. I was left without insurance coverage for over a year, putting my home, family and financial security at risk. The potential consequences could have been devastating. I was able to secure a new policy, however, the amount of this new coverage is increasingly higher than my old policy. What is even more concerning is that Lakeview Mortgage and Mr. Cooper only notified me when they needed proof of insurance, despite being responsible for making the payments themselves! This lack of communication and accountability is unacceptable. I urge you to investigate this matter thoroughly and hold Lakeview Mortgage and Mr. Cooper accountable for their actions. Homeowners should not have to worry about their insurance coverage due to the incompetence of their mortgage company- especially when they are making payments into an escrow account set up specifically for this purpose. Thank you for your attention to this matter. I look forward to a prompt resolution to this issue.
Consumer complaint received 2022-11-19
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. (CA)

I have attached a PDF file Addressing my issue please Read it carefully the permissible purpose has not been provided to the consumer This is unlawful the consumer has addressed the issue Directly by phone With the Credit Agencies. Credit agency mentioned to the consumer. That they are allowed to pull information without my consent. or my permission.
Consumer complaint received 2023-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MD)

My information was used to obtained services to opened an account ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX that I was unaware of and gave no permission to do so. The account was opened on XX/XX/XXXX with a Credit limit {$4000.00}. It currently shows on my credit report since XX/XX/XXXX an outstanding due balance of {$6900.00}. This account was obviously opened fraudulently without my permission and need this account to be removed off my credit under the ( Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The address used in associated with opening this account was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. I have no knowledge of this address. This information is in violation for inaccurate reporting under FCRA. The reporting is negligent and erroneous data in the way the company is reporting this information and is in violation of the FCRA. XXXX, XXXX and Equifax is in violation of this reporting! Immediately remove this account from my credit file immediately within 30 days! I will file a lawsuit in this matter if this information is not removed!
Consumer complaint received 2024-03-30
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (WA)

I am a XXXX veteran with XXXX that required money at my loan inception. I felt like I was tricked into signing up for optional products : OneMain led me to believe that I could not receive a loan without signing up for an add-on product. I was told the add-ons were mandatory and came as part of my loan. I again asked if I could remove the add-ons but was told it wouldnt be possible. My loan was originated in XXXX, California in around XX/XX/2019 and renewed in XX/XX/2019.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — Store credit 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: Klarna AB (NC)

On XX/XX/2021, I opened an account with Klarna. My credit limit was {$2600.00}. 

On XX/XX/2021, I made purchases in the amounts of {$1200.00}, {$820.00}, and {$670.00}, respectively. On approximately XX/XX/2021, the item for {$1200.00} was returned to the merchant ( XXXX XXXX XXXX ). 

On XX/XX/2021, a payment of {$250.00} was due however this payment did not reflect any adjustment for the {$1200.00} refund. When I contacted Klarna customer service about this, I was told that the adjustment would reflect on my XXXX statement. This has yet to occur. My monthly payment for XXXX is {$250.00} which is the same as the XXXX payment. No adjustment for the {$1200.00} return has been made. 

I have available credit in the amount of {$660.00} and have been locked out of using this amount to make additional purchases. 

Additionally, a late fee of {$25.00} has been charged to my account since the {$250.00} payment was not received on XX/XX/2021.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
U.S.C. 1681 section 602 A. States I have the right to privacy.

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.

U.S.C. 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (NJ)

I am writing to express my concerns regarding the handling of my personal information by XXXX XXXX XXXX organization. On XX/XX/year>, I contacted XXXX XXXX XXXX to inquire about the presence of my data in their records. A representative confirmed that my information was indeed included. 

However, I subsequently requested an opt-out from XXXX XXXX XXXX, which was denied. As a consumer, I believe I have the right to control the sharing of my private information, as outlined in the Fair Credit Reporting Act ( FCRA ). Specifically, the FCRA emphasizes the need for fairness, impartiality, and respect for consumers privacy. 

Furthermore, I understand that financial institutions, including XXXX XXXX and XXXX XXXX XXXX, are considered furnishers of information to credit agencies. According to the FCRA ( Section 604 ( a ) section 2 states that, in general subject to subsection ( c ) any consumer reporting agencies can only provide a consumer report based on written instructions from the consumer. 

My rights under the FCRA include the ability to revoke any previous consent, whether it was verbal, non-verbal, written, implied, or otherwise. Additionally, 15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. ( FURNISHER OF INFORMATION TO CREDIT AGENCIES ) Never informed me of my right to exercise my nondisclosure. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ). no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than XXXX years. This account is an adverse item they are reporting again without my permission which is against the law 15 U.S.C 1681 s2 ( A ) ( 1 ) A states 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. 15 U.S.C 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 b of this title early warning service are not maintaining reasonable procedures. Also 12 CFR 1016.7. states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services I kindly request that Early Warning Services provide clarification on the authorization they received from the financial institutions ( XXXX XXXX and XXXX XXXX XXXX ) to include my information in their records. Additionally, I reiterate my request for an opt-out from your services.
Consumer complaint received 2024-04-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

In XXXX, XXXX I purchased XXXX {$2500.00} gift cards from American Express to give to my wife for XXXX. I gave to her on XXXX and she used the first XXXX. When she went to use the second card in early XXXX, all transactions were declined. We inquired with Amex what the problem was and they told us the {$2500.00} had been used for purchases that were delivered to XXXX, XXXX - we live in XXXX. We explained it was fraud and opened a dispute. XXXX weeks ago we were informed our dispute was denied - Amex didn't deny it ; rather, XXXX, their gift card subcontractor, did so and said we had authorized the purchases. They did no investigation and we have subsquently learned lawsuits have been filed against XXXX for similar frauds and failure to make the victims whole. I have tried reaching out to Amex more than XXXX- they just transfer me to XXXX who then tells me 'sorry - the investigation is closed '. I bought the cards from Amex, not from XXXX, and would expect Amex to right this wrong. I need help or I am out {$2500.00}. Thank you.
Consumer complaint received 2022-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (NY)

I signed up for a cell phone plan with XXXX XXXX XXXX XXXX XXXX and the service was pre-paid. I did not like the plan and service, the actual usage advertised is not as it is. I pre-paid for the first month of service and not even used the service for the entire paid month and decided to switch to another carrier, and now XXXX XXXX/ THE CBE GROUP INC-FORMER placed a negative debit on my credit score for {$56.00} " Open balance '' which I do not have any open balance with them. I am a current Cable customer with them and was never able to use the so called " Unlimited access to XXXX XXXX out-of-home Wifi '' in addition the " Use XXXX Internet Wifi to save on your data '' is completely not true and false advertisement. I request that the note on my credit score is removed as soon as possible.
Consumer complaint received 2022-07-14
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. (NY)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( CREDIT ACCOUNT REPORTED INACCURATELY AND ERRONEOUSLY MUST BE REMOVED IMMEDIATELY ) XX/XX/XXXX
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (OH)

My mother XXXX XXXX passed away XX/XX/XXXX. I have a court order which gave me permission to collect the funds in her account. I had previously contacted the bank to let them know, while XXXX XXXX XXXX XXXX XXXX XXXX  someone hacked into her XXXX XXXX and stole over {$1000.00}. I also contacted the police. The bank stated, due to me not being on her account there was nothing they could do. 
I went into the PNC Branch on XXXX XXXX ( XXXX ) on XX/XX/XXXX. I provided the court order, my identification, and XXXX XXXX XXXX XXXX. I was told I would hear back from them on XXXX I called back that XXXX and was told, the representative who took my information was on vacation and theyre not sure what happened. 
I called back on XX/XX/XXXX and was told there was no update. The representative called me back, later that day and stated a letter had been mailed ; for me to send to probate. As of yet, no letter has arrived.
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CCS Financial Services, Inc. (MA)

I called CCS collection to see what the debt was about and they didnt have none of my correct information. Address, phone number, signature that I put on contract with them I wanted proof that they had the chain of title to collect the debt. They asked for my XXXX XXXX. I didnt give it to them. I asked the guy to delete the collection and he said not possible. They have XXXX XXXX as my address that was never my address. I live in XXXX not in XXXX
Consumer complaint received 2023-05-19
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. (IN)

I sent a letter on XX/XX/2023 to Equifax. Here is my tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Denitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specic factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?
Consumer complaint received 2024-04-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I recieved notice of a cell phone debt that i never open or approved. Jefferson Capital System started reporting this debt on my credit report without notifying me of the debt. I have tried calling them and disputing the debt with the XXXX XXXX XXXX and XXXX. Jefferson Capital System keeps reporting this debt on the credit reports.This is not my debt.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My Identity was stolen. I have included my police report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Writeup : 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Inquiry details XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2022-11-19
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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 2017-02-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Williams & Fudge, Inc (HI)

Received a call during working hours from XXXX. The caller would not identify company name or purpose of call, but was asking for my personal information and social security number. Finally, she stated she was with Williams and Fudge, but would not tell me what the call was regarding, and kept asking for personal information : social security numbers, etc.
Consumer complaint received 2022-07-14
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. (AZ)

The letter I sent on XX/XX/XXXX was my 2nd letter informing the Credit Bureau that I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an identity theft. These items are unknown to me. Also, the information that some Credit bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$8400.00} XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from the identity theft.
Consumer complaint received 2024-03-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Wolf River Development Company (IA)

XX/XX/2024 A loan was approved and funded in my name but I did not apply for it through XXXX XXXX XXXX in the amount of {$1300.00}. I have had issues of hard inquiries and attempts to have other loans taken out in my name as well. I discovered that the funds were placed into an account with XXXXXXXX XXXX XXXX  but I do not have an account there in my name. XXXX XXXX XXXX contacted me on XX/XX/2024 stating that I now owes them {$8300.00} due to the interest charged.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I received a call approximately XXXX XXXX XXXX XXXX XXXX from Bank of America ( BoA ) on my home phone number, XXXX XXXX, XXXX ; indicating that 45 minutes ago someone tried to apply for a loan using the last for digit of my social security number with BoA. XXXX indicated that it was alarming that the home address used was XXXX, Tx. He wanted to confirm if I lived in XXXX, Tx ; XXXX also gave me a Case No. # XXXX and transferred me to the Credit Bureau XXXX to speak with XXXX to canceled the application; which I was told by XXXX it was not approved and canceled before he transferred me to XXXX to canceled. It was not connecting so I hung up.