davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

Allegedly Im assigned a person within this company to assist specifically for the possible prevention of foreclosure. The person has changed many times since my assignment with them as a consumer. Yet I get form letters telling me to contact them for additional assistance and they are NEVER available. I believe it was spoc something but Ive yet to have a conversation. I havent talked to anyone on the phone from this company since XX/XX/2020. On a couple documents a person who was removed was rubber stamped on a updated situation after they were reassigned by a new rep and I never had and conversation with them but they are included in dialogue like they preformed services on my behalf. Who are theses mystery people why are they so hard to get a hold of? Are there so many distressed account nobody can get to them IT cant be case load cause Im sure XXXX XXXX  has the man power .. how can this component thats put in place to help never contact me and dont take calls sign off on situations they arent engaging from the standpoint of the consumers perspective? I only email the spoc person once and he replied and was reassigned then a new and a new and a new one etc and they co-sign like the are engaging me with out any interaction to actually see whats the issue causing foreclosure cause had they would have been proactively involved the communications wouldnt have been this bad
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NC)

I have sent a cease and desist letter with my demands however I am still being contacted by LOWES to pay on an account that I do not owe! I sent a letter around the end of XXXX  stating to validate the debt pursuant to 15 USC 1692g. However I received no response but more statements and phone calls which are violations of consumer protection under 15 USC 1692c ( A ) when this account should be closed and settled. With Lowes not validating the debt, they now are sending me false figures and representations pursuant to 15 USC 1692f ( 1 ), 15 USC 1692e ( 2 ) A as well as violating numerous federal laws. I have provided the erroneous billing statement along with the billing errors and false misrepresentation of this alleged debt.
Consumer complaint received 2021-08-19
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: CITIBANK, N.A. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : CBNA XXXX XXXX XXXX XXXX XXXX XXXX  CITIBANKNA XXXX XXXX  XXXX XXXX XX/XX/2020 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
Consumer complaint received 2019-06-25
Product: Credit card or prepaid 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: Resurgent Capital Services L.P. (MO)

Lvnv Funding XXXX claimed they took over my debt from XXXX XXXX credit card. Multiple times I have been called and I asked for the. To send me proof of bill. If I owe I would make pmt arrangements. I never received anything. Today my house member called me and stated I got served. It is {$820.00}. I do not want yo have to go to court. I just want proof!!
Consumer complaint received 2023-03-22
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-08-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NV)

I was charged {$34.00} from a company called CREDIT SCORE NOW who I dont know. I called my bank and they said I need to contact the company but I have tried to find them online for a few hours and they dont seem to exist. How do I either find them or cancel the charge?
Consumer complaint received 2021-08-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OPEN MORTGAGE LLC (TX)

XX/XX/XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX ) stated that if I pay on my lease vehicle with XXXX and I pay {$4800.00} on it then that would bring my dti down and I would be able to get financed for the mortgage loan.. he had already told me my down payment which would have been XXXX down. On XX/XX/XXXX he pulled my credit again to see if the XXXX financial payment had been posted on my account. When he saw that it was he said we are good to go to closing ... closing was supposed to be on XX/XX/2021 he then told my realtor that my down payment had changed to XXXX when I found out I agreed to it and said lets move forward .. Mr XXXX calls my realtor back and says the down payment is XXXX and now I need to show proof that I am turning my XXXX lease vehicle in to XXXX XXXX I told XXXX this is not what he told me and he said it was a simple mistake. I told him this was not a simple mistake that open mortgage lending did ... if they are underwriting the loan how is it that the approval changes everyday ...
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

My home loan was being service by Seterus. Seterus was purchased by a company called Mr. Cooper. Mr. Cooper sent me a letter stating that my loan modification with Seterus would not change. I received a online text from Mr. Cooper saying that my XXXX payment will be XXXX more each month. I called and was told that my escrow amount is low. I ask how did this happen. I've been with Mr. Cooper for almost a year now. I told the loan agent at Mr. Cooper about my modification and the letter stating nothing would change my loan modification. I did not get a letter a call about the increase. I notice the increase as I was making a online payment. The information was noted on my account. I think something that is important as a XXXX  a  month loan increase should be sent ASAP and stated with great urgency and highly visible.
Consumer complaint received 2020-07-17
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. (FL)

THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-03-22
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

In accordance with the Fair Credit Reporting Act, Concerning Accounts XXXX and Account XXXX, XXXX XXXX has violated my rights 15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2021-05-22
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. (IL)

I completed a FTC identity complaint on XX/XX/2020. I submitted the report to EQUIFAX and submitted a cfpb complaint and there are still inquiries that remain that we listed on the report. EQUIFAX has failed to live up to their grave responsibility for accurate reporting. These inquiries are preventing me from renting an apartment for me and my son. My landlord is selling the unit and I need a new place to live. I have also applied for credit and been declined because of the inquiries. EQUIFAX failure to ensure of accurate reporting is causing financial and mental harm. I am stressing out and have been diagnosed with XXXX because I can not provide for my family because EQUIFAX failure at their grave responsibility pursuant to 15 USC 1681a ( 4 ). EQUIFAX are supposed to have procedures in place and have failed. Pursuant to 15 USC 1681C-2, EQUIFAX has the ability to block attempts to remove identity theft information is the consumer benefited. If EQUIFAX is saying that I benefited then please provide a sign affidavit under penalty of perjury for the CEO stating that they have proof that I benefited from the inquiries. Also, pursuant to 15 usc 1681b ( c ) ( 3 ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have submitted proper paperwork stating that I don't recognize the listed inquiries and EQUIFAX Is violation of 15 usc 1681b ( c ) ( 3 ). I am not a credit report company, I am the consumer XXXX XXXX. I am an XXXX XXXX XXXX and these corporations are continually breaking the law and financially, mentally an emotionally harm the consumer. The CFPB is in place to regulate these consumer reporting agency and I have put in complaints and still no full results. This is not a dispute. I am demanding these inquires are removed. These corporation are unlawfully furnishing data to the consumer 's report and creating great harm to the consumer. By being an agent of the CFPB, I need the CFPB to do their job and regulate and enforce the laws that EQUIFAX is breaking against me. It is important that the people at CFPB take this seriously and assist me the consumer with invoking my rights. This is a matter of life and death for me. I am being mentally, emotionally, and financially harmed by EQUIFAX. I the consumer invokes my rights the law does not state a police report is needed because there are different types of identity theft. WHen a debt collector purchases a debt, they did not have permission to do so and that is identity theft. Identity theft mean no consent. This not a dispute, this is not a bot, or a credit repair company. I am an agent of the cfpb and I need the CFPB to assist me to invoke my rights. EQUIFAX HAS FAILED ME AS A CONSUMER.
Consumer complaint received 2021-05-30
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. (GA)

On XX/XX/21 a hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX from XXXX XXXX XXXX pulled my report for a mortgage application however in less then 30 days they pulled my report again on XX/XX/21 for the same company. This resulted in 2 hard inquires on my Equifax, XXXX, and XXXX  reports. I have tried to resolve this issue by calling XXXX XXXX however the two inquires are still showing on all three of my reports. The second time my credit was pulled was less then 30days and without my approval. This has effected my credit score.
Consumer complaint received 2021-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (IL)

I received an alert from my bank about negative activity on my credit report. I had already placed a security freeze with all three bureaus after the XXXX  data breach, so I was surprised to get this notice. I checked my credit report and saw a new account under collections for Credit Management LP on behalf of XXXX XXXX for {$300.00} past due. I have not used any services from XXXX since I was in college and I never missed any payments then. I did not receive any written notice or phone call from either XXXX or this company about the alleged debt. I called XXXX and they have no current record of me having an account related to this. This debt collection agency seems fraudulent and Ive initiated a dispute.
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

MY NAME IS XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, NEW YORK XXXX I HAVE MADE MULTIPLE ATTEMPTS TO TRY TO FIND OUT WHY THERE IS A {$3100.00} UNPAID FEES COLUMN ON MY CURRENT MORTGAGE STATEMENT WITH LOANCARE MORTGAGE, WHICH IS SERVICED BY XXXX  XXXX. 

I WAS DIRECTED TO WRITE AN E-MAIL TO LOANCARES RESEARCH DEPARTMENT ( SEE ATTACHED ) ASKING THEM TO PROVIDE THE REASON FOR THE CHARGE, OR TO PLEASE REMOVE IT. THEY STATE THAT THE CHARGE ORIGINATED WITH MY PREVIOUS MORTGAGE COMPANY AND THEY CAN NOT CONSIDER MY REQUEST TO REMOVE IT. 

THEY HAVE NEVER CHARGED A LATE FEE, OR TRIED TO FORCE PAYMENT ON THIS AMMOUNT IN YEARS. THEY JUST KEEP PROMISING ME TO PROVIDE AN EXPLAINATION. BUT, TO THIS DATE HAVE NOT BEEN ABLE TO. 

I AM RESPECTFULLY REQUESTING THE PROPER PROCEEDURE TO AFFECT THE PROOF OF SUCH CHARGES. I AM CURRENTLY TRYING TO REFINANCE, AND THIS UNKNOWN CHARGE IS HOLDING UP MY REFINANCE. 

MY LOANCARE ACCOUNT NUMBER IS STATED BELOW. 

THANK YOU SO MUCH FOR YPOUR HELP XXXX XXXX
Consumer complaint received 2019-06-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (NC)

I purchased a vehicle in XXXX, Wells Fargo Dealers Service financed this vehicle for me@ 10.99 % these payments were {$420.00} for 72 months. Wells Fargo claims I still owe money on this account. I have the payment history provided by Wells which shows all 72 payments being paid along with all late payment fees paid. Wells refused to release the title an clear up my credit report as paid in full. 
I have been to the local branch of Wells Fargo to no avail. After making several attempts to resolve this issue. I turned to the North Carolina Attorney Generals office. They sent Wells 7 letters requesting a response Wells sent a letter saying I owe but with no real explanation has to how they came to this amount. Again Wells still hasn't proved that I owe any money. I have ask Wells many times to show me how they come to this balance of {$460.00}. As of today XX/XX/XXXX, I still haven't received the detail information as to how the come up with this amount. 
Now using the very payment history they recently sent I calculated all the interest and came up with more interest paid than what my contract indicates. I was suppose to pay over the term of my contract. While doing this I noticed that the interest varied from month to month. I know that the interest is normally higher during the first months. But as time goes forward the interest starts to decrease but per my payments there is no constant decrease. They are all over the place ... Ex ... XX/XX/XXXX ... {$420.00} ... {$89.00} principal .... {$330.00} interest ... ..This is one of the many issues Wells not  doing their job ... ..XXXX XXXX ... {$420.00} ... XXXX {$260.00} principal .... {$150.00} int ... ..XX/XX/XXXX.. XXXX .... {$160.00} principal ... .. {$250.00} interest ... .plus {$10.00} ... other charges ... .These are just a few of many errors ... ... Wells needs to recheck where they put my funds and correct these mistakes. I want and have ask Wells to  send me a detail account as to how they come to there their acquisitions ... .Not send me another letter saying I owe {$460.00} ... I already have that letter ... But knowing what i see from their responses they aren't able to do this ... ..
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

Chase abruptly close our joint checking account without notice, and put almost $ XXXX dollars on freeze. We have no garnishments, IRS locks, or otherwise owed debt to anyone, and have other bank accounts working correctly without locks.

Chase has refused to transfer the money or release it. We have called their fraud department several times and nothing has been resolved. Their refusal to explain why the accounts were closed is beyond reprehensible. Especially with $ XXXX being held. 

Their only offer was to mail us a check for the $ XXXX, but we can not accept mail at our new residence yet, as the USPS hasn't assigned a route yet.
Consumer complaint received 2021-05-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (UT)

Account opened XX/XX/2015. No Account number is XXXX .I sent ally financial affidavits showing the car loan showing as a charged off account was a identity theft account. It was obtained by my sister XXXX who had access to my information. I had officer statements showing I do not I've in XXXX  XXXX where car was bought, as well as my sister 's statements to officer thst she used my name to obtain things such as police report, I'd theft report which states legally they must remove from 3 credit reports. My attorney said do this last and if it remains he will file suit in my local court to file suit and make them remove it.my sister trader in a car to get this vehicle from XXXX XXXX  and XXXX immediately removed it within days. My social security number is XXXX I have my credit reports frozen so it's fine.
Consumer complaint received 2021-08-09
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: I.C. System, Inc. (NY)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ny XXXX XXXX  Fraud Victim Assistance Department XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX [ RE : Your Account Number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

AEP AND CREDIT INQUIRIES resulting from the identity theft that should be blocked, by name of the source, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (MN)

All 3 credit bureaus have information that is incorrect. We bought a house. The first XXXX XXXX company transfers it to a second XXXX XXXX XXXX who then transferred it to a third LoanCare and they transferred it to a fourth XXXX XXXX company. which is the company that we pay our mortgage to. The third company reported to the bureaus that we paid it off. and reported 0 balance. Somebody there reported it as being delinquent and our score was dropped 108 points. we asked Loan care to delete the report.