davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (TX)

This is an email that I sent to the company today. I think it describes the issues. 
Good morning, I have a mortgage loan and I have not been able to log into view it since Shellpoint took over servicing. I also have not gotten mortgage statements in the mail yet. The borrower is XXXX XXXX XXXX XXXX and I am the sole owner of that corporation. I have tried calling your customer service phone number and not gotten any resolution. I think the problem is your site asks for last name, last 4 digits of social security number, and property zip code. Since this loan is to a business and not me individually there has been confusion. I have tried entering my last name and the business name in various forms with no resolution. I think the last 4 digits are actually the last 4 digits of the business EIN. The loan number is XXXX. I can be reached on my cell phone ( XXXX ) XXXX. I also have not been mailed monthly statements since Shellpoint took over servicing. At this point I am reaching out one last time. If I can not get any resolution from this email, then I will file a formal written complaint with the CFPB. 
Regards,
Consumer complaint received 2024-08-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (VA)

XX/XX/2023 I applied for a line of credit loan from NetCreditXXXX. My application was approved for {$1000.00}. It only allowed me to receive {$800.00} because of fees that was associated with getting the loan processed. Less then a month later, I lost my job and communicated this to the company because they were constantly calling and harassing me about payments. I called them in XXXX to try and set something up, however an automatic system said the hold time exceeded 12 hours to a few days. As of XXXX, some guy from an undisclosed debt company name XXXX XXXX has been calling me, about taking me to court for an unpaid debt. These loans are illegal in the state of XXXX, which at the time of doing business I was not aware of this.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC (CA)

I am writing to formally request the removal of duplicate and inaccurate information from my credit report concerning an account listed under two different names. The details of the accounts are as follows : XXXX. Account with REVVI/MRV BANKS/VT** XXXX Account Number** : XXXX XXXX. Account with RESURGENT/LVNV FUNDING** - Account Number** : XXXX It appears that the same account is being reported under two different names, which is leading to confusion and inaccuracies in my credit report. Specifically, the account with REVVI/XXXX XXXX shows a charge-off status with a XXXX balance, while the account with XXXX XXXX  shows the same amount as a collection account. This duplication is misleading and does not accurately reflect the status of the account. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ), I am entitled to request that any inaccuracies or incomplete information on my credit report be investigated and corrected. The law requires that the credit reporting agency conduct a reasonable investigation and rectify or remove any erroneous information.

In accordance with the FCRA, I request the following actions : 1. Immediate Removal : Remove the duplicate account entry for XXXX XXXX  from my credit report, as it duplicates the information reported under REVVIXXXX XXXX. 
XXXX. Verification and Correction Ensure that any remaining information concerning this account is accurate and consistent with its final status. 

I am including relevant documentation to support my request. Please review this information and update my credit report accordingly. If further information or documentation is needed, please let me know. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that the duplicate entry has been removed and my credit report corrected as per the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (CA)

Over the last XXXX years, I've had to reconcile all of my accounts because there have been history of accounts being on my credit report that does not belong to me. About XXXX months ago, I finally figured out that American Express had erroneously allowed XXXX additional credit cards as part of my account and those XXXX cards does not belong to me. I've contacted American Express and they confirmed indeed the credit cards ( there were XXXX ) they have in my account information does NOT match with my SSN and birthday, and all other personal information does not match neither. But SOMEHOW -- they still made it into my account- which is baffling. After submitting the required paperwork to have them MANUALLY review and confirm my identity, I called American Express to follow up on the progress only to find out NOTHING has been done. I've requested yet again for the correction and asked for compensation for all of the issues I dealt with re : my credit scores, etc. The customer rep literally offered me {$25.00}, I wasn't sure if I should laugh or cry so I may have laughed out loud at the rep, I feel somewhat bad about that - anyways- this is still not resolved and I honestly is at a loss on what I can do and have no idea what ( if anything ) I am owed.
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (NC)

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy purse to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GREENSKY OPERATIONS, LLC (TX)

The following inquiries were reported to my credit without my authorization. 

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 2024-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (FL)

Dear Discover Bank, It has come to our attention that you have been using our copyrighted material without authorization. As the owner of the copyright, we take this matter very seriously and demand that you cease and desist all unauthorized use of our copyrighted material immediately. 

We understand that errors or misunderstandings can occur, but we must insist that you rectify this situation promptly. Failure to do so may result in further legal action being taken against you. 

We are willing to discuss a resolution to this matter, but it is imperative that you contact us as soon as possible to address this issue. We value our intellectual property rights and will take all necessary steps to protect them. 

Please respond to this letter in writing within XXXX XXXX XXXX XXXX XXXX to confirm that you have ceased using our copyrighted material and to discuss a potential resolution. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX right reserved XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-09
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (NE)

I have my Target card set up on Autopay. It's been taking money out of the secondary account for months - the primary account has money. Every time I try to switch autopay accounts it tells me I can't because I have a payment pending -- I always have a payment pending - because it's autopay. I received a notice from my credit report that my score had dropped XXXX points because I allegedly missed XXXX payments. I haven't missed a payment - again - it's autopay. They claim a payment was returned - yet i had a secondary payment method AND I was never notified of a returned payment. They then apparently took my next months payment, said it was for the previous month, then accused me of missing a second payment. This is classic behavior of what credit card companies did before consumer protection - intentionally 'misplace ' a payment, accuse the owner of the card of negligence and destroy their credit score so they can charge more interest. This is corrupt and a money grab, and it's intentional. It's been happening for decades and nothing is ever done about it.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

Acct XXXX XXXXXXXX DOB : XX/XX/XXXX  My Account is being charged twice for the same payments, this is affecting my cash flow and adversely hindering day to day task. It is very inconvenient
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TD BANK US HOLDING COMPANY (IL)

The loaned vehicle was involved in litigation against the manufacturer for serious defects totaling over XXXX. Before litigation filing, I requested help from the lender ( TD Auto Finance a division of TD Bank N.A. ) The Lender declined to provide support against the manufacturer and dealer. During this time my business was impacted by XXXX and payments were starting to become late. We were able to catch up each time. In early 2024 I shared with the Lender that my business is filing for XXXX  and I likely will be doing so personally as well. The lender charged off the account and has been reporting negatively ( XXXX ). Business changes like the wind and I was in a position not to file XXXX  and pay off the account ( XXXX [ balance totaling over XXXX ] ). The lender has been completely uncooperative. I am restricted in every way to pay them from debit cards to ACH transactions. I am forced to make XXXX transactions of {$2500.00} via card/ach but then I am maxed out for the month. They are instructing me to drive to a TD bank XXXX states away for the remainder if I want to pay it this month. They also refuse to provide positive reporting for the payment in full. They claim they are unable to make manual entries... I call XXXX. 

Details : Charge-off date : XX/XX/XXXX Payment after charge off : XX/XX/XXXX {$7500.00} Following Payment : XX/XX/XXXX {$4500.00} Following Payment : XX/XX/XXXX {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (OH)

In XX/XX/XXXX, I asked XXXX XXXX  to provide me with original documentation that proved information they submitted on my credit report. I requested the information to XXXX ( XXXX ) and XXXX XXXX XXXX ( Collection agency ) by email, and certified mail. I do not recognize any loans owed with the amounts XXXX XXXX  reported to the credit bureaus. In XX/XX/XXXX, a private loan that appeared in my name with XXXX XXXX  for the amount of {$9300.00} was canceled, for personal reasons I did not continue in the program and requested that the loan be returned to the creditor. In XX/XX/XXXX I received approval from the Borrower Defense to Repayment due to XXXXXXXX XXXX XXXX improper practices and high-pressure sales tactics to retain students. causing students to become involved in hard-to-pay student loan debt and received discharge of all federal student loans with XXXX XXXX. In a previous complain that I submitted with your company, XXXX XXXX  stated that they sent the information by an attached link, but that was not correct. There was not any documentation.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On XX/XX/year> a bankruptcy was filed under my name and resolved XX/XX/year>. I was incarcerated at the time and did not consent to anyone filing this proceeding. I am requesting that this public record be removed immediately as it violates my consumer rights.
Consumer complaint received 2024-08-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CA)

I requested COVID repayment of the {$5500.00} in payments I made during COVID from XXXX in XX/XX/XXXX. On XX/XX/XXXX my loans were transferred to MOHELA. I contacted MOHELA in XX/XX/XXXX to check the status of my repayment and was told it would be processed. I called MOHELA again in XXXX to check the status of my repayment and was told that I would have to prove I made the request from XXXX before the XXXX deadline. I was able to receive confirmation from XXXX that I had made the request prior to the deadline and I forwarded the information to MOHELA in XX/XX/XXXX. They initially informed me they would process the repayment. When I called back in XXXX of XXXX to check the status the customer service rep said it was cancelled and that I would have to file a federal lawsuit if I wanted to get the repayment. I requested to speak to a supervisor and was informed one would call me in two to three weeks. No one ever followed up from MOHELA. I made my request for COVID repayment of the {$5500.00} I paid in student loans during the COVID pause and MOHELA is not following the policy in place at the time and processing my repayment request.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (CA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX California [ XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint and Cease and Desist Order Against XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint and issue a cease-and-desist order against XXXX for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in Nordstroms reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, XXXX continued to furnish information related to my account to XXXX, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

Furthermore, XXXX unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX has failed to provide me with a 1099-C for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. 

In addition to these violations, XXXX has breached its own terms and conditions by sharing my information with non-affiliates, XXXX XXXX XXXX XXXX, without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of 1974. 

Moreover, XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX, XXXX, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Mortgage — FHA 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: Onity Group Inc. (OH)

My mortgage account was about to go I to foreclosure. I applied for a COVID 19 stand alone option for a mortgage modification agreement to bring my account to good standing. I filled out the paperwork PHH mortgage sent to me. I had I notarized and sent back within a week of receiving the documents. Called 5 business days later to check on status. They told me the notary made an error and I would need to re-do by the same deadline ( 4 business days away ). I completed the packet and check the notary filled out the proper section exactly the same as my state issued ID. I sent the packet in over night express mail. I called that following business day ti confirm receipt. Could not speak to someone could only leave a voice mail. Over the next 5 days I called 6 times and left 6 messages. As of the date of this complaint I have not had a response to my calls. I have instead received a notice of foreclosure ( dated before I sent the corrected packet back in ) and I have received one call from PHH collection trying to collect the full balance to avoid a foreclosure date of sales. I have try them back twice more with no response. To make matters worse, I am now assigned to only one contact there, whenever I call in I am automatically transfered to one person. I can't reach anyone else in the company.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-06-20
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. (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 : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00}
Consumer complaint received 2023-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

My name is XXXX XXXX, I wrote to complain about Webster Bank regarding an issue Am having with SBA, which CFPB were so helpful by contacting Webster bank. I want to bring to your notice that, the Bank has still not fixed the problem by returning the loan amount of {$60000.00} Covid relief loan that SBA granted me but was seized by the bank in 2020. As we speak the money is still with the bank whiles I am servicing the loan every month. All attempts for the bank to refund the money to SBA has failed. I have placed several calls to Webster Bank to help resolve this issue, at a point I was told to even make payment before my file can be pulled. SBA is also saying until they receive the money from the bank, there is nothing they can do. I see unfairness on my part as to why I should be paying for a loan that I have not received. After my complaint to CFPB, I got a letter from the bank stating that, they thought its was fraud thats why the money was seized and that they were going to deal with SBA and refund the money but as at now they are still holding the money whiles I make payments to SBA every month because they are constantly making demands and am also protecting my credibility. Pls help me. Thank you