davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Radius Global Solutions LLC (MI)

I just want to Inform that my social security number is included in the breach it may have gotten to pull out old debts that has been paid or laps the 7 years and renewed it reappears. affecting my reputation and credit credibility
Consumer complaint received 2024-11-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (TX)

While applying for a loan, the loan officer asked me to explain a debt that was in collection with XXXX XXXX XXXX for {$1600.00}. This was first brought to my attention on XX/XX/XXXX. 

I called XXXX XXXX XXXX to clarify the issue. Finally, yesterday, on XX/XX/XXXX, and after several calls with them and visiting an XXXX XXXX XXXX  store twice in person, I was able to get access to the account that was opened under my name, even thought it was not me. I had to go in person to show my ID and be able to get access to the account, as it had an email that I do not recognize, I did not have the password, passcode, or security question. 

It was shared with me that the address on the account was : XXXX XXXX XXXX, XXXX, AL. 
I have never been in Alabama, I do not know the address, and I do not know anyone in Alabama. 
The XXXX account number is XXXX, and it was allegedly opened some time in XX/XX/XXXX. 

The collection is because the person who used my name did not return an XXXX XXXX XXXX modem. 

XXXX XXXX XXXX indicates they can not do anything now that it was sent to Collections with the company Radius Global Solutions LLC, even though I had never received any notification of the alleged debt.
Consumer complaint received 2024-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A. (NJ)

Early in XXXX the scam artists took out a personal loan on a Citi bank card. I was not even aware of it. I think they deposited it in my account, telling me it came from somewhere else. They told me to withdraw it and send it to them. I was not aware of this as a personal loan. Till much later.
Consumer complaint received 2024-11-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC (NJ)

I am writing this letter regarding my mortgage loan, which has not been reported to any of the 3 major credit bureaus. Below are the details of my loan : Loan Number : XXXX Servicer : Shellpoint Mortgage Loan Transfer Date : XX/XX/year> Since the loan was transferred to Shellpoint Mortgage on XX/XX/year>, it has been more than two months, and I have yet to see this loan reported to any of the credit bureaus. Furthermore, I have since paid off the loan in full, but my credit report still does not reflect any information about this mortgage, including its status or payment history. 

This lack of reporting is impacting my credit file and potentially my credit score. I respectfully request your assistance in ensuring that Shellpoint Mortgage reports this loan to the credit bureaus in a timely and accurate manner. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Consumer complaint received 2024-11-04
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (CO)

Date Opened : XX/XX/year> Status Updated : XX/XX/year> Balance : {$5500.00} Due to a loss of employment, I received state assistance from the Colorado Department of Human Services to terminate my lease without penalty. However, the apartment complex withheld my security deposit totaling {$1200.00} and stated I owed an additional $ XXXX for cleaning costs. I requested a detailed breakdown of these charges, as I am familiar with standard move-out costs in the leasing industry. I can confirm that my unit was left in excellent condition, with only minor wall holes from picture frames and a TV mount. The complex did not provide a response with any explanation or itemization. 

Furthermore, although state assistance of over {$5000.00} was issued to the apartment complex on my behalf, it appears that none of this amount was applied to the final move-out balance. While the state informed me that any non-rent-related charges would be my responsibility, I was alarmed that move-out and cleaning costs were calculated at an excessive almost {$1700.00}. Neither my caseworker nor I received any further clarification from the complex, and the matter was subsequently forwarded to collections without proper resolution. 

Once assigned to ProCollect, I received no written notification of the debt, nor was I afforded the opportunity to request verification of the debt as required under Colorado tenant laws and the Fair Debt Collection Practices Act ( FDCPA ). Despite multiple dispute attempts, ProCollect has not acknowledged or validated my requests. This unresolved and unsubstantiated debt is now adversely impacting my ability to secure safe and stable housing. 

I respectfully request immediate action to resolve this matter. Given the lack of documentation, communication, and adherence to required legal procedures, I assert that this debt is not valid and ask that ProCollect cease reporting it until it has been properly validated. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-12
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I did not receive my edd card and when I asked for card it was delivered in XXXX. My befits did not get put on my account into XXXX  of XXXX. When I asked unemployment for checks I was told my money was put on a debit card.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ZuntaFi Corp (CA)

Subject : Dispute of Fraudulent Account Reported by ZuntaFi and XXXX I am writing to formally dispute an erroneous and fraudulent account that has been reported to my credit file by ZuntaFi. According to ZuntaFi, I have an installment loan agreement related to a transaction they claim was made with XXXX. I want to categorically state that I have no association with either ZuntaFi or XXXX, and I dispute the validity of any agreement between myself and these entities. 

It is my understanding that XXXX is a fraudulent operation, and therefore, any claims of an agreement or loan arising from this transaction are completely invalid and unenforceable. I have not entered into any agreement with XXXX, nor have I authorized ZuntaFi to report any such transaction. 

As such, I demand the following actions be taken immediately : 1. Cancellation of any and all accounts or transactions associated with ZuntaFi and XXXX. 
2. Removal of all negative information related to this fraudulent account from my credit report. 3. Terminatio n of any further contact or attempts to collect on this fraudulent account from ZuntaFi. 

This matter is of serious concern, and I request that you thoroughly investigate the situation and take prompt action to correct my credit report. If additional documentation or information is required, please notify me promptly so I can provide what is necessary. 

Thank you for your immediate attention to this matter. I expect confirmation that this fraudulent account has been removed from my credit file and that no further actions will be taken by ZuntaFi in connection with this issue.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2024, I applied for an XXXX XXXX credit card. XXXX XXXX sent me an adverse action notice ( which I am attaching ) stating they denied my application based on an Experian credit report from XX/XX/2024. The denial cited a XXXX score of XXXX and listed several negative factors including recent delinquencies, multiple delinquent accounts, too many inquiries, and high revolving balances. 
However, my actual Experian credit report from XX/XX/2024 ( which I am also attaching ) shows completely different information : XXXX score of XXXX No delinquencies No collections No inquiries Only 7 % credit utilization on {$120000.00} total credit limit When I contacted Experian about this discrepancy, they stated they can not provide the historical report they shared with XXXX XXXX. 

XXXX XXXX directs me to Experian, creating a circular situation where neither company will show me the exact report used for this decision.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CO)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It XXXX Concern : I sent a request for investigation under FCRA XXXX ( XXXX ) to ( XXXX ) on XXXX, XXXX reference to the following account ( XXXX ) : NCAC - NATIONAL CREDIT AUDIT CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCAC - NATIONAL CREDIT AUDIT CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. 

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not " DELETED '' from my report. 


Please do not " update '' or " verify '' this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Medical statements will not suffice. Send my actual signature on a contract. As this debt is Not mine. 

I am asking for this verification because my XXXX XXXX is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 


I would like to remind you of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt XXXX ' word. I have faith that your establishment will do the right thing and truly investigate the matter and if you do not expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record Regards, XXXX XXXX
Consumer complaint received 2024-11-12
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: CITIBANK, N.A. (MD)

This is in regards to an open complaint filed against citi bank please see attached letter received as I do not agree with the information they sent 1. My money is {$45000.00} 2. Citi bank returned {$43000.00}. It was short of {$1800.00} 3. Since WHEN is XXXX dollar higher than USA dollar that {$1800.00} ( almost {$2000.00} ) is removed as exchange 4. Please I need breakdown of exchange rate 5. The information on that your letter that I have attached -pls note- it does not make any sense 6. The information provided is accurate per XXXX XXXX except Transit number which was not needed 7. Receipient Name is XXXX XXXX XXXX ( Citi bank did not provide room for middle name - XXXX ) 8. Please citi bank if you or someone in your department is not raiding me- kindly return my HARD EARN MONEY 9. Exchange rate is too much money collected- no matter what XXXX is lower - 10. I sent the money in USA dollar to a XXXX account 11. Citi should return it back in USA dollar or more 12. This is not XXXX XXXX XXXX then I will understand. IT IS XXXX Dollar 13. Too much money is removed no matter what 14. Please investigate my money abd bring all my money back - 15- it is impossible to make this up 16. XXXX XXXX  SAID they DID NOT receive any transfer from CITI Bank. Not to talk of returning it with an exchange rate 17. If you have proof of sending the wire to XXXX XXXX please 18. kindly send me the tracking proof so we can trace where the money went I believe something is wrong 19. I asked customer services for proof and promise to sent it to my email- they did not up till now- they never responded back as they said they have proof- they got tired of my calling, I speak to different people who keep telling me the same thing over and over. They hung up or pretend they cant hear me.

20. Pls Note : I WILL NOT STOP contacting everyone and anyone UNTIL I GET ALL MY MONEY BACK
Consumer complaint received 2024-11-06
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Credit Control, LLC (MA)

Hello CFPB Team, I am reaching out for assistance with an unauthorized debt collection issue that I believe to be fraudulent. Here are the details : Background : On XX/XX/year>, I visited a XXXX store in XXXXXXXX XXXX, to return equipment. During this visit, a representative began the process of opening a new account without my consent. I understood this interaction to be a quick check for deals, as I have been an XXXX XXXX XXXX customer for 16 years and did not agree to switch providers. 

Shortly afterward, I began receiving calls from XXXX, and later from Credit Control , LLC, a debt collection agency, demanding payment for this account. I called XXXX on XX/XX/year>, to dispute the charges and requested that the account be closed due to error. Despite my efforts, I am still being pursued for this debt. 

Contact Information for Companies Involved : XXXX ( Original Creditor ) Phone : XXXX Customer Service : ( XXXX ) XXXX Location of Store Visit : XXXX XXXX, XXXXXXXX XXXX Credit Control , LLC ( Debt Collection Agency ) Phone : ( XXXX ) XXXX Mailing Address : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX Email for Dispute : XXXX Request : Given these circumstances, I am requesting XXXX assistance in investigating this matter as I believe it constitutes unauthorized debt collection. I would appreciate guidance on any further steps I should take to dispute this debt and resolve the issue. 

Thank you very much for your attention to this matter. Please feel free to contact me for any further details. 

Best, XXXX XXXX XXXX
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

My problem is with the lender who owns the mortgage loan for my house I have owned for almost 25 years, Nationstar Mortgage. They have made the loss mitigation process very difficult, they have not allowed me to work with a Spanish speaking processor, and the people they have assigned to work with in the past have been difficult to communicate with. My family is being pushed into foreclosure, even though with the addition of my wifes income and job we clearly can afford a fair monthly payment. The problem is getting an actual review of our information completed  by Nationstar.  We feel that they are blocking us from government and internal programs tha t may be a ble to help us with get back into good standing with our mortgage, which is what we want to do, but wanting to pay and get caught up is not enough if the lender is  Nationstar w ho will not work with you the right way.     I bought our home in  XXXX . During the mortgage boom in the  XXXX  I refinanced a couple of times, and the last loan that was written was with   XXXX   XXXX   in  XXXX  ( right before the crash ). The loan was with  XXXX  for a period and then went to  Nationstar. I  had some financial challenges in the past and at  one  time I was approved for a modification. My struggles arose again in   XXXX   as I was overwhelmed with expenses and a loss of overtime hours. At that same time my son was accepted to college which was a huge moment for him and we provided some help with this to get him enrolled. We were overwhelmed with expenses and struggled to keep up with our payment. We began trying to start the negotiation process at that time with a lady named  XXXX  but she was difficult to reach and we had requested a Spanish speaker. We continued to struggle financially, and then my wife got a job at the airport making a solid income. When put together with my income as a machinist ( been doing it for 32 year s ) w e had sufficient income to make a fair and reasonable mortgage payment.     However, as I described  Nationstar has  not been easy to work with us and has not assigned us a  Spanish s peaker and have not taken the time to review our file and case and income and expenses and determine which government or internal program works for our family. This is an avoidable foreclosure if only Nationstar would work with us. At this time they are trying to set a foreclosure sale date instead of working with us.  Nationstar  would make a lot more money if they would restructure this loan and modify it so that we can resume making payments than if they were to sell it at auction. We want  Nationstar t o follow the federal guidelines and rules of the state of Illinois and consider us for all government and internal programs in order to give us the chance to fix this problem
Consumer complaint received 2024-11-08
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BROKER SOLUTIONS, INC. (CO)

Since XX/XX/year>, New American Funding ( NAF ) has been erroneously reporting a loan in default to credit reporting agencies. I have made an astonishing 36 phone calls to NAF in an effort to address this critical error. Each time, I was assured that a supervisor would return my call, yet not a single callback has been received. On XX/XX/year> NAF finally acknowledged the error in writing, stating that they had been reporting " inaccurate information to the credit reporting agency. '' However, despite this admission, NAF has continued to report the incorrect information, compounding the negative impact on my credit. Over the past two days, I have had conversations with three different representatives from NAF : XXXX, XXXX, and XXXX. Unfortunately, each interaction has led to a frustrating and unproductive cycle of the same information. All three have claimed that my account is past due, promised that a supervisor would return my call, and subsequently failed to follow through on that promise. To clarify, I have never received a phone call from NAF regarding this matter. The impact of NAF 's mistake extends far beyond mere inconvenience. It is actively damaging mine and my wifes credit score and, by extension, our financial wellbeing and future opportunities.
Consumer complaint received 2024-11-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (GA)

I am a Victim of identity theft and this is my official complaint statement of crime. These reporting items are not mine and need to be removed and blocked from my report. I have filed an official complaint with the creditors. Other legal and government agencies have been notified under the XXXX and the fraud needs to be removed immediately, or further legal action against the credit bureaus. Many thanks for considering my request.
Consumer complaint received 2024-11-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SCA Collections, Inc. (NC)

I have disputed this account several times because I do not own this debt. Under 15 U.S Code 1681e ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, they shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately. 
Please send : 1. A calculation of balance and payment history. 
2. Proof of the agreement that grants this company the authority to collect this alleged debt. 
3. A copy of the company 's state license including the license number. 
4. Proof of how the company assessed the debt. 
5. Copy of the original contract bearing my signature. 
6. Chain of title on this debt. 
7. Do they own it or was this debt assigned? 
8. Copies of all letters sent to me from you and the original creditor. 
9. How much did you buy this debt for? 
10. What fees/interest was tacked onto this debt? 
11. How were the fees determined? 
12. Proof that this company carries a bond. 
13. Proof that this company has the right to collect this debt in my state.