davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (NY)

Dear Consumer Financial Protection Bureau, I am writing to formally express my frustration with Indigo Credit Card, part of Concord Credit, following my application for their credit card. My experience has been extremely disappointing and troubling. 

Dates : I applied for the card on or around XX/XX/year>. I was informed that the card would take 14 calendar days to arrive. By XX/XX/XXXX, I had not received the card and was told to wait until XX/XX/year>. 

Delivery Issues After waiting the promised 14 days for my card, it never arrived. When I called customer service on XX/XX/year>, I was informed that the card had been returned because no one was available to sign for itsomething I was never made aware of. This lack of communication is unacceptable. 

Customer Service Problems The customer service experience has been chaotic. Different representatives have requested varying levels of my personal information, leading to confusion and wasted time. Initially, I was told that a new card would be sent, which would take another 14 days. They even offered to freeze my card for security, which I agreed to. However, when I later checked on the status of the new card, I was told it was on hold due to that freezethis inaccurate information has caused further delays. 

Fraud Alerts and Additional Delays After multiple frustrating calls, I finally spoke with a representative on XX/XX/year>, who seemed competent and apologetic. I asked if I could update my address to avoid further delivery issues since I had recently moved. A few days later, I received the card on XX/XX/year>. However, when I attempted to activate it, I found out there was a fraud alert because the card was sent to my new addresssomething I should have been warned about. 

Unwarranted Holds on My Card Additionally, after expressing my frustration and mentioning potential legal action during a call, they placed another hold on my card. I hadnt taken any legal steps ; it was simply an expression of my frustration. Now, I am required to send proof of residence and other documents via fax, which will delay things an additional 7-15 business days. 

I believe these issues could potentially violate consumer rights, and I hope to bring them to your attention in order to facilitate a resolution. I am appalled by the lack of customer service and the biased treatment of customers with fair credit. This situation feels like a scam.
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST NATIONAL BANK OF OMAHA (NY)

Received email XX/XX/XXXX  stating that " You recently added the account ( s ) : XXXX XXXXXXXX XXXX Checking XXXX account '' with instructions to log on to FNBO Direct at a specific URL and Activate the external account in this " FNBO Funds Transfer '' service. 

This was my only alert or notification that something was wrong, and I do subscribe to XXXX for credit monitoring. 

I called FBNO Direct today XX/XX/XXXX  XXXX XXXX XXXX, and spoke to a woman who confirmed that the person initiating this fraudulent transaction has my name, email, social security number, address, and date of birth, and that I should report the fraud on ftc.gov, which led me here. 

There is nothing else that the government can or will do to help me, or to stop this type of thing from happening. I am not reassured at all. You can't even protect my SSN.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (NY)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2023-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

I received a call from my insurance letting me know that they received a call from my mortgage company Nationstar Mortgage - Mr. Cooper, asking if my insurance policy was still active. The insurance company called me and informed me that my policy was cancelled XX/XX/2022 for lack of payment. As my insurance payment is included in my escrow account, this means the mortgage company failed to comply with XXXX Timely escrow payments and treatment of escrow account balances. The last payment they made to my insurance company was in XXXX of XXXX. 
This is the second time my home insurance has been cancelled with Nationstar as my mortgage company. I am horrified to find out that my family and I have had no home insurance for a year. Living in California I have experienced many earthquakes and live close to some devastating fires. Without insurance, my family and I would have lost everything because of their negligence. I am extremely concerned that this will happen again and my home owners insurance will lapse again. 
This is unacceptable and incredibly stressful. 
I tried contacting them today, but was put on a message loop and was unable to speak to anyone.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (WA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Account : XXXX XXXX XXXX Account no. XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (OK)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Inquiries XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, secured credit card account opened at SelfLead on XX/XX/XXXX under the account number XXXX a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a charge account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian has changed the security freeze removal system. They require logging into an Experian account. Their system does not allow me to log in or reset my password. Their phone service does not connect me to an agent. I followed their instruction and sent them documents including copies of my identification on XX/XX/year> and have not received a response. 

Experian denies consumers removing a credit freeze by changing their system from PIN to log-in. 
Experian denies consumers connect to a live agent. 
Experian did not respond to my written request to unfreeze my credit.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (MI)

Pentagon Federal Credit union is reporting a late payment for XX/XX/2023. I have not carried a balance on this checking line of credit for a long time. I received some information with the wrong last name and then this late payment popped up. I have asked for proof of this late payment and for them to remove it and clear up whatever happened. I have attached paperwork that was sent to me as well with the wrong name. I suspect this has something to do with the error. This is incorrectly affecting my credit standing. Please clear up this error as soon as possible.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (TX)

The Law firm " Aldous & Associates '' Contacted me through mail on XX/XX/year> about a supposed {$220.00} debt that I owe to XXXX XXXX. I do not owe a debt to XXXX XXXX, I was on a month-to-month agreement with them, and during this agreement I lost my card the form of payment I was using to pay for the membership and I got a new one, and did not go back to XXXX XXXX
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TN)

My student loans have been transferred several times without me being aware of this. I had did a consolidation loan a couple years ago with no word or proof i ever did it. I found out that Mohela had them last year however I called several times last year asking about my loans and refused to tell me until about XXXX which I finally got someone to help me. I tried calling and logging into Mohela but they could never locate my ss # or anything However after that I was not able to do anything with my loans. In XXXX I wound up looking up my XXXX XXXX and it decreased over XXXX points and apparently my loans got transferred to a whole new company I never heard of and my XXXX XXXX plummeted because I hadn't made a payment in XXXX  months. I was never notified of this. I called that company and they put my loans in forbearance. The lady advised me of my consolidation loan payments would be about XXXX. Then I got a notification of my loans being paid off completely but then a couple weeks later found out Mohela had them again. This has been almost XXXX months ago and I still can't get them to locate me in their system to pay. I was able to speak to someone a couple weeks ago who put my loans on forbearance to help me. She also advised me that my payments are XXXX which is what I was not told. As of today I am not able to get a hold of anyone.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I disputed the reporting of XXXX  loans from the Department of Education on my report because they were reported without my permission, knowledge or ability to opt of reporting. They still remain on my report stating they were verified.
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (TX)

XXXX XXXX XXXX Sunrise Credit Service XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : Dispute of Collection Account XXXX Dear Sunrise Credit Service I am writing to formally dispute the collection account referenced above. I recently received a notice regarding this debt, and I believe that it is either inaccurate or has been reported in error. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of the debt, including the original creditors name, the amount owed, and any supporting documentation that substantiates your claim. Please provide this information within 30 days of receiving this letter. 

If a consumer notifies a debt collector that they do not wish to be contacted further, the law under 15 USC 1692 ( c ) requires that the collector must cease communication with that consumer. Heres a more detailed breakdown : Additionally, I kindly ask that you cease all collection activities until this debt has been verified. If you are unable to provide the requested documentation, please remove this collection account from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Glennon Law Firm, LLC (TX)

Case filed in Ohio by Atty XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, OH XXXX on XX/XX/XXXX for {$4500.00} plus costs the a certified letter sent to an address in Ohio. I'm not a resident of Ohio and never received any information of having been served. Default Judgement was made. I was informed by my employer regarding this matter XX/XX/XXXX. I was never properly served and never communicated as to this matter and could not have replied with Answer to the court in Ohio. Motion to show cause and contempt filed on garnish of wages against myself and my employer. Employer was sent documents to their old address ( 2yrs ). Motion to widthdraw was only granted to my employer. No resolution offered to myself.
Consumer complaint received 2024-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (FL)

I purchased my home back in XX/XX/XXXX for the price of {$500000.00} with a down payment of XXXX XXXX, with {$420000.00} being financed through Guaranteed Rate Affinity as a Conventional Loan. Around a year later my loan was sold to XXXXXXXX XXXX XXXXXXXX XXXX XXXX with Shellpoint Mortgage being the servicer. As of date XX/XX/XXXX my loan balance is {$380000.00} with an XXXX of XXXX XXXX based on the purchase price of my property of {$500000.00}, which has increased in value as well. I reached out to Shellpoint Mortgage servicing on XX/XX/XXXX to remove my PMI since my loan balance have reached 78 % original value according to XXXX. Shellpoint denied my PMI cancellation with the following requirements which does not apply to me : Your principal balance has not reached the minimum loan to value threshold for cancellation Your loan is not current Payments have been XXXX or more days past due within the last XXXX years or XXXX or more days past due within XXXX year There are subordinate liens on the property You have not met the state or investor requirements I have met the XXXX requirements, I have not missed any payments or past due payments, and there are no liens on my property. I am demanding for my PMI to be removed as they are stating that it will be there for the life of the loan which is incorrect, as my previous lender Guaranteed Rate Affinity confirmed that it should be removed automatically at 78 % XXXX as a Conventional Loan. Additional documents will be provided upon request to prove that my statements are true and accurate.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GFS II, LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear GATEWYFINSOL, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection. 

It has come to my attention that XXXXGATEWYFINSOL XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 
I assert with certainty that I have not provided consent for GATEWYFINSOL to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that GATEWYFINSOL immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that GATEWYFINSOL will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

DEAR, EQUIFAX I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX A IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,