davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (AZ)

Mr. Cooper, formally known as Nationstar, has for multiple years now charged me through XXXX XXXX XXXX for $ XXXX when my balance that I owed on my mortgage was between $ XXXX of XXXX and $ XXXX XXXX. I had called to their insurance department starting in XXXX to address this and every time I was turned away with the explanation we can not change this. In XX/XX/XXXX, my insurance increased substantially by another {$2000.00}. I called into Mr. Cooper and asked for the insurance department on XX/XX/XXXX at XXXX XXXX. I talked to XXXX followed by supervisor XXXX who was supposedly in XXXX, PA and addressed this issue as well as seeking credit for items that would create those credits on a 4 point inspection. Again, I was told they could do nothing about it. On XX/XX/XXXX, I talked to a XXXX and a XXXX in XXXX, TX at XXXX XXXX  about the same issue and requested information about XXXX XXXX XXXX XXXX. I was connected to a XXXX in XXXXXXXX XXXX who was in the claims department for XXXX XXXX XXXX XXXX who did not want to provide me with a phone number or address to this insurer nor connect me to their underwriting department. 

Every piece of information I tried to obtain from XXXX made me believe that there is no proper procedure in place to utilize this company. He was extremely evasive about any information I tried to obtain. 
I gave Mr. Cooper two more tries on XX/XX/XXXX at XXXX XXXX  talking to a XXXX XXXX and on XX/XX/XXXX at XXXX XXXX to another associate but had the same outcome, " There is nothing we can do ''. 

On multiple occasions when I dialed the number on the insurance certificate XXXX XXXX, I would always have someone identifying themselves as Mr. Cooper Insurance Company employee on the phone. This is against the law, to protect consumers against mortgage providers choosing an insurance associated with them or for other benefits.

As of today, nothing has changed in regards to lowering my insurance premium on top of me not being able to log on to my Mr Cooper account anymore. When I call in about that, they tell me to create a new account. I told them that I would need my old account due to legal reasons like tenure, data, old transactions, etc but they refused to fix the issue. 

Attached is the insurance certificate of XXXX XXXX XXXX XXXX that shows the phone number at the bottom left that which leads to a Mr. Cooper employee. Also a screenshot from the Mr. Cooper website in regards to the requirements for lender placed insurance clearly stating that you only require insurance for the remaining balance of the mortgage.
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SERVICEMAC, LLC (VA)

On XX/XX/XXXX, with little warning, my mortgage company ( myservicemac ) told me that they would be switching to a new portal the very next day on XX/XX/XXXX, which is the exact same day that my mortgage is due. 

The new site portal did not work for me, could not use my login credentials like the notice said, and I was unable to register for it or sign in at all. The phone line was too busy for the company 's representatives to get back to me. MyServiceMac is clearly attempting to make people miss payments on their mortgages.
Consumer complaint received 2024-03-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc. (TX)

This complaint is for Northlane the company providing me with the prepaid card. On XX/XX/2024 I attempted to make an ATM withdrawal of {$150.00}. There was an issue with the transaction and the ATM did not dispense cash, but my Northlane prepaid account showed that the money had been withdrawn. This was {$150.00} plus a {$3.00} ATM fee. I called XXXX XXXX XXXX ( the owner of the ATM ) and their customer service suggested I contact my bank to dispute the charge. I faxed Northlane the dispute form, per their own customer service instructions on XX/XX/2024. Northlance customer service confirmed they received the dispute form on XX/XX/2024. Northlane informed me it would take XXXX to XXXX  days to resolve the issue. I asked to receive a temporary credit in the meantime, but customer service stated this was something they just didn't provide. I have been following up with Northlane every XXXX  days and they don't have any updates on the progress of the dispute investigation. I started looking online to see if I have any recourse to get my money faster and I came across a government resource that states banks generally have XXXX  days resolve a dispute and provide a credit if the investigation goes past XXXX  days. I reached out to Northlane with this new information and spoke with a supervisor who stated they don't have to follow those laws because they are a prepaid card company and not a bank, and that I would have the wait the entirety of XXXX  days. Now I'm left wondering what other laws they don't have to follow if they " are not a bank ''. Please assist me in anyway you can.
Consumer complaint received 2023-07-13
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: Affirm Holdings, 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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM INC XXXX XXXX XXXX XXXX AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Jefferson Capital System , LLC, a third-party debt collector, for apparent violations of federal regulations. 

Pursuant to 12 CFR 1022.3 ( H ), Identity theft means a fraud committed or attempted using the identifying information of another person without authority. It appears that Jefferson Capital System, LLC has used my identifying information without proper authorization or consent. 15 U.S. Code 1681C-2a, requires a consumer reporting agency to block the reporting of any information in the file of a consumer identified as resulting from alleged identity theft within four business days of receipt. 

So additionally, I am requesting the removal of inaccurate information by XXXX, XXXX and XXXX. Jefferson Capital System , LLC has violated 15 U.S. Code 1692 ( G ) ( A ) by failing to send a notice of debt within five days of the initial communication. I have not received any communication or written notices from Jefferson Capital System, LLC.

I assert that Jefferson Capital System, LLC is civilly liable under 15 U.S. Code 1681 ( N ) for the damages resulting from their failure to comply with the law. I am a federally protected consumer seeking a prompt and thorough investigation into these matters. Jefferson Capital System, LLC 's actions have caused me significant distress and potential harm to my financial well-being. I am prepared to litigate if a resolution is not reached. Enclosed with this letter, please find copies of relevant documentation supporting my complaint, including an FTC identify theft report, proof of identification, and proof of address. Thank you for your attention to this matter. I look forward to a timely resolution and appreciate your assistance in ensuring that Jefferson Capital System, LLC complies with all applicable laws and regulations. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (CA)

I will attach the statement of all my disputed items. There are so many my account was compromised they even changed my address to where debit cards were being mailed out to there was multiple devices that were signed in on my account along with my account being automatically debit ACH but they were denied because I didnt have the funds in there after regaining access to my account I tried to talk to Current bank. They refused my claim. They denied it. They said that there was enough proof, but I actually talk to the merchants and they dont have a valid account they do find it could be fraud that the bank should be in charge of requesting a refund
Consumer complaint received 2023-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (AZ)

Received a call from Capio Partners regarding medical debt owed. Was only offered the option online to pay the debt. I never received any kid of bill or anything from this supposed company the debt collector bought the debt from. I have not been given the opportunity to dispute the debt.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc. (IL)

I discovered on XX/XX/XXXX that my Sezzle account was reported as suspended while updating my XXXX credit report. I called to inquire about inquiries that should have been removed from a fraud claim related to inquiries made by someone attempting to buy a car. I was not expecting to see my Sezzle account as suspended. My account is not suspended. Its actually in good standing. I have not allowed this account to be behind 30 days because it is being reported to the credit reporting agencies. I was finally able to contact Sezzle on XX/XX/2024 at XXXX XXXX  & spoke with XXXX. XXXX confirmed that my account is not suspended & is in good standing. She sent me an email and I sent proof that my account is being reported incorrectly. XXXX has escalated this. Hopefully, we can get this resolved soon.
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC (IL)

Good afternoon, i am 3 months behind on my mortgage. i called to set up auto draft payment to come out of my account so that it may be auto payed and i do not have to fall behind in the future, i have called this mortgage company in the past provided routing and account number. i called today ay XXXXXXXX XXXX  they told me i can not call and provide routing and account number or set up auto pay. I demand to speak to speak to someone regarding this matter. how can i get my loan current if they refuse autopay my ach has never been rejected. i am a law student in an internship i am paid XXXX and XXXX i have called and completed this before on a recorded line. this company seems fraudulent and shady they stated they never take numbers over the phone however i have proof of past auto drafts.
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (GA)

I made a purchase from XXXX XXXX with affirm for {$790.00} in XX/XX/2021. I then returned it in XXXX but it was never updated via Affirm. Affirm has put 2 collections on my credit report. One for {$970.00} and the other for {$270.00}. I sent the XXXX XXXX  tracking number showing that the package was delivered and received. Both companies keep sending me back to the other to resolve this.
Consumer complaint received 2020-11-29
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: Experian Information Solutions Inc. (TX)

*** XXXX XXXX XXXX XXXX, TX XXXX * XXXX XXXX XXXXXXXX XXXX, TX XXXX < -- ( DELETE WRONG ADDRESSES, NOT MY ADDRESSES ). 
XXXX XXXX XXXX  XXXX {$21000.00} < -- ( NEVER LATE HOW IS THIS VERIFIED AS ACCURATE? REVIEW MY ATTACHED DOCUMENT REGARDING THIS ACCOUNT FOR XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX {$3500.00} < -- ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) XXXX XXXX XXXX XXXX {$390.00} ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING
Consumer complaint received 2024-02-29
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 (CT)

I bought the card on XX/XX/XXXX. I was able to use it for a couple of transactions, and now I can't use it anywhere. I still have a balance of {$300.00} on the card yet it is declined every time I try to use it. The latest transaction the was declined was this morning, XX/XX/XXXX for something that was much less than the balance on the card. I've tried numerous times to contact AmEx, but they keep sending me back to the phone number to activate the card. I can not contact anyone to find out why this is not working.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I am writing to express my concerns regarding the handling of my personal information by XXXX, XXXX, XXXX and ( Furnisher of information to credit agencies ). I believe that my rights as a consumer, as outlined in the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), are not being respected.

The Act clearly states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As a consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which mandates that each financial institution has an obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information.

According to 15 USC 1681 section 604 a section 2, a consumer reporting agency may furnish a consumer report only under specific circumstances : in accordance with the written instructions of the consumer to whom it relates. I have not given my consent, written or otherwise, to XXXX, XXXX or XXXX ( Furnisher of information to credit agencies ) to furnish this information.

Furthermore, 15 USC 6802 ( b ) 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 their nondisclosure option. I was never informed of my right to exercise my nondisclosure option by ( Furnisher of information to credit agencies ).

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from making any consumer report containing any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. The account in question is an adverse item that is being reported without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states that 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. Moreover, 15 U.S. Code 1681e mandates that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I believe that XXXX, XXXX and XXXX are not maintaining these reasonable procedures. 
Lastly, 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time. I am hereby exercising my right to opt out of your reporting services.

I kindly request that you address these concerns promptly and ensure that my rights as a consumer are respected.
Consumer complaint received 2024-03-01
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MD)

This creditor has not provided clear and concise information in writing and this is a clear violation of 12CFR 1006.34B5.

Collection agency is violating my consumer rights by using false and misleading misrepresentation and deceptive means to collect this debt.

This collection agency gave me no chance to dispute the debt but they put this judgement on my credit report anyway, and this is a violation under 12CFR 1006.34C4I This collection agency has no authority to furnish any and all disclosures required by law and this violates 12CFR 1006.34D 15USC 1681S27A.

I am requesting all debts I owe this collection agency, revoking all rights to contact me via any telecommunication means.

This creditor must cease and desist all contact. If they continue to contact me it is a violation of 15USC 1692K. And if this creditor does not cease and desist I will invoice them {$1000.00} for each illegal contact.

Further, I am requesting debt validation, proof this collection agency proof they are licensed and bonded to collect. 

I am requesting a purchase order agreement.
Consumer complaint received 2020-05-24
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (TX)

I was a co signer on a vehicle financed with Santander USA. My husband and I filed for divorce and he was ordered to refinance the vehicle in his name. Santander USA made multiple collection calls to me. I tried inquiring information regarding the balance but they refused to give me details. They just kept asking me how I wanted to take care of it. Even after I explained that the primary account holder was ordered to refinance the loan they said I was financial responsible. I asked how can you hold me financially responsible but will not give me access to the account or give me any details about amounts due. They refused to disclose any information regarding the account. They reported against my credit but never sent any letters to me to explain anything was past due. I disputed credit reports and Santander updated some of the past dues. It is against the law to report to credit bureaus with providing any information amount debt owe. They told me when the account closed they would remove it from my credit history. Now I cant get it removed because they have no number to their credit department. Its causing my credit to be damaged.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payward Ventures Inc. dba Kraken (UT)

i wired money to a kraken acct that was my own acct. and within this app they lock your money amd delete your account. my bank wont help or authoities. it was {$280000.00}
Consumer complaint received 2023-05-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (LA)

I opened my Chime account in XX/XX/XXXX because I was interested in their credit builder feature along with the advertised high yield savings account. I have a savings, checking, and credit builder account with Chime. I receive approximately XXXX of my direct deposited check in my Chimes Checking account weekly and usually transfer some of this check into my Chimes savings, and a portion to sent to my external XXXX checking account. On Monday, XX/XX/XXXX I attempted to log into my Chime account but was unable to log in. Instead there was a message that read that I should contact Chime via email to verify my identity due to unusual activity on my account. I went to my email and there was an email from XXXX requesting that I send in a copy of a government issued ID and a utility bill to verify my address. I promptly sent these things in. Then I received another email from XXXX requesting that I send in a copy of a government issued ID and a completed W-9 form. I initially responded to the email requesting to speak to someone who could explain why a W-9 was required but when I didnt hear back, I sent in a picture of my Louisiana Drivers license and a completed W-9. Then I received another email from Chime requesting that I resend the same information again and I did. The next email requested that I send in a picture of a different government issued ID so I sent in a picture of my passport, and the response was that that was sufficient to open my account either. I emailed with them back and forth and sent documents on each day between XXXX and XXXX. I also called the Chime Customer service number listed on some of the emails and XXXX XXXX. Each time I spoke with someone who gave me a generic response and was told it was another department that handled verification of identities. I was never connected to anyone who could explain what was wrong with the documents I submitted. 
On XX/XX/XXXX, my suspicion increased and I started googling Chime complaints and realized several customers had experienced the same sort of thing. I had never had a serious problem with Chime before this. I used their credit builder feature for a short period of time, but I didnt like how it showed up on my credit report so I stopped using it. I also had a debit card that didnt seem to work but I didnt really need to use their debit card since my sole purpose was saving money on this account. 
Im very distressed about this situation because the last time I checked my balance was approximately {$25000.00} and I need to gain access to my money. I have very expensive financial obligations that I might not be able to meet if I cant regain access to my money soon.