davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (ME)

Mr. Cooper is my mortgage servicer. They offered for me to apply for a loan modification to see if a qualified for help because I am past due on my mortgage. They only asked that I provide one month of paystubs. I provided them paystubs for my first job which is biweekly and then 3 of 4 paystubs for a new job I had started with explanation as requested by them as to why I could only provide 3 with an anticipated 4th. Once I got the 4th, I sent it. They then asked me to provide proof that I get paid all year and I am not a teacher as I work for a XXXX  full time. I sent them this explanation as well. I was then asked to provide more paystubs. I provided more paystubs. The company then tried to tell me that I was receiving income from someone else named " XXXX XXXX '' or " XXXX XXXX '' and I needed to provide evidence of this. I spoke to someone on the phone about this and it was news to me as I do not know whom this person is. I advised the agent on the phone I am the only person aside from my children living in my home, and I do not receive any other income. I also informed the agent I do not know who that person is. We looked over all documentation I sent in. This name was no where to be found. I was advised to send explanation of this, that I do not know this person and that I am solely providing income in my home, no one else. I did this. Then I was told to provide more pay stubs. I did this as well. I was then advised AGAIN to provide MORE paystubs. I gave them every paystub I had for each job. I had no more paystubs to give and still they wanted more. They were requesting paystubs with dates that I didn't even get paid on. At this point I was waiting to get paid to provide more paystubs to them. I have provided almost 20 paystubs to them at this point. Today I returned a call to an agent who was reaching out with an update. She informed me that when I applied for the loan modification, I provided them I believe she said roughly {$4400.00} gross income monthly. They calculated that I am bringing in {$12000.00}! {$12000.00} gross income. I asked where they are getting this from. I would love to know who is calculating this and I would love to calculate for them if need be because I work two jobs and I am not bringing in {$12000.00} gross monthly. The agent deeply apologized and said she would reach back out to underwriting for clarification. I have been very patient with this company and this loan modification process, but there is something wrong here and they are dragging me through the mud. If I was bringing home {$12000.00} gross, I'd be able to pay my mortgage. They are making up information regarding my income and I need help right now and they are not providing it.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$830.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (CA)

Subject : Formal Dispute of Credit Report Inaccuracies Dear Consumer Financial Protection Bureau, I am writing to request your assistance with inaccuracies in my credit report that have not been resolved through direct disputes with the credit reporting agency. Despite my efforts, these inaccuracies continue to negatively impact my credit score and financial options. Below are the details of my dispute 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 CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CBNA 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  These accounts were discharged through a XXXX XXXX XXXX filing and should be marked accordingly. The continuation of these entries as " potentially negative '' is misleading and inaccurate. Attached, please find copies of the bankruptcy discharge documentation and previous correspondence with the credit reporting agencies regarding this matter. 

I am requesting that the CFPB facilitate a reinvestigation of these inaccuracies and ensure the correction of my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I also ask for confirmation that these inaccuracies have been rectified and a new, corrected copy of my credit report be sent to me. 

Thank you for your attention to this matter. I trust that the CFPB will assist in resolving these inaccuracies promptly and uphold the standards of consumer rights protection. 

Sincerely,
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NC)

I have tried numerous attempts to get Cavalry Portfolio Recovery to remove fraudulent accounts from my credit file and never have anyone send me verification only harassing phone calls daily back to back everyday which I told them to stop calling me repeatedly and they will not stop. I have no knowledge of these fraudulent accounts they claim I owe and need these fraudulent accounts removed. I have also contacted XXXX, XXXX, and XXXX about sending verification of these fraudulent accounts and to have them removed but they have never removed from my credit reports.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

The about XXXX XXXXXXXX something i have no idea wjat this is i also did not give any qritten concent for anything that is on my credit report! Every single thing that is being reported on there i have not given written concent and it is against the law. And i need to be deleted asap. All debt is obligations of united states. 12 us code 411 all federal reserve note obligations are obligations of the united states. 31 us code5118 a 2 your federal reserve note problems are not my problem but the problem of the united states treasury. And i need all of it taken off and deleted. Also i will file with the ftc. For soliciting my personal informacin between companys i did not give written concent to any of the companys.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Its been some months now and Capital One has received all of the necessary information and to this day. Theyre refusing to release the money from my late mothers XXXX XXXX Account to yours truly. To whom is the Executor of her Estate
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I wrote a letter some time ago to Equifax regarding false information on the credit report. This blatant disregard for not caring if they are in compliance is ruining my life. I have been asked about these items in 2 while in the process of 2 different job interviews! According to FCRA 605B these items should be blocked after 4 days of receiving the complaint. It's been well over that mark and this needs to be solved immediately. They are breaking the law and violating my rights as a consumer. Section 611 says, refusal to investigate these items within 30 days is cause for immediate removal. I demand these items be removed immediately. 

XXXX XXXX XXXX XXXXXXXX Unauthorized inquiry Direct VIOLATION FCRA 605B, DELETE NOW XXXX XXXX XXXX XXXX Unauthorized inquiry Direct VIOLATION FCRA 605B, DELETE NOW
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

From XX/XX/XXXX- XX/XX/XXXX of 2024, I was in a back-and forth with a supposed agent that claimed to be from an agency that was giving out large amounts of cash for student debt relief. The agent 's name was XXXX XXXX, and I was introduced to this agent by a person who claimed to be a college friend who assumed the name of XXXX XXXX, XXXX. XXXX XXXX kept pressing me to sent money to at least XXXX different accounts, sometimes in amounts of {$500.00}, and sometimes in amounts of {$1000.00}. Her phone number, by the way, is supposedly XXXX. She had me buy XXXX gift cards that totaled to {$3500.00}, and had me send money to at least XXXX different accounts through XXXX that totaled to {$8000.00}. I am writing to you to see if you can trace these transactions, and if there is any way you can help me recover any of the money. I have kept all of the transactions and receipts, and I have reported Agent XXXX XXXX and XXXX XXXX, XXXX to XXXX and the FTC for scamming.
Consumer complaint received 2024-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (IL)

This company has not provided proof of contract with wet-ink signature on the contract confirming I signed and contracted with XXXX and/or Aldous & Associates. Claims money is owed and shows an unsigned " Member Agreement '' but nothing with a signature. They are a third-party who stole my information without my consent and are trying to defraud me.
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OR)

My fiance added me as an authorized user to her credit card. I do not wish to be an authorized user on her credit card. I called the company, Citi Bank, to remove myself and was told that because she is the card hold only she can remove me as an authorized user. In other words, I was added as an authorized user, yet I can not remove myself from the account without the card holders permission. 

To be clear, I am not claiming fraud. I gave my fiance permission to add me. My complaint is that I am told that I am not able to remove myself.
Consumer complaint received 2024-10-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (FL)

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Consumer complaint received 2024-10-18
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: JPMORGAN CHASE & CO. (MA)

XXXX XXXX, JPMCB, XXXX XXXX XXXX and XXXX XXXX each requested a credit check through XXXX Credit File against my knowledge. Someone attempted to open accounts with each of these Banks. I have received communication that a " hard Inquiry '' may be placed on my credit file and it stays on my credit report for 25 months. I have reached out to each of these banks separately and have had little success getting them to remove the inquiry. XXXX XXXX was the only bank where I talked to someone in their fraud department and was successful in having this removed from my credit. They informed me it would be removed within 60-90 days. 

I have had a freeze on each of the three credit bureaus since XX/XX/year> but I had to remove my freeze with XXXX for 1 week for a cable company to run a soft credit on my account. Since this issue, my account with XXXX is frozen once again. 

The dates for each Bank and their request are below. 
Thank you! 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX- XX/XX/year> JMCB- XX/XX/year> XXXX XXXX XX/XX/year> XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST FINANCIAL BANKSHARES, INC. (TX)

I have mailed notices to First Financial Bank on both XX/XX/XXXX and XX/XX/XXXX, instructing this company to remove the individual transactions and change the account disposition. I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed this company reporting non credit transactions, nor was there any application to apply for credit. This company is in clear violation of the law. Under 15 USC 1681 ( 2 ) ( i ) and 15 USC 1681 ( b ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? No, I did not. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) G ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " '' consumer report '' does not include- ( A ) Subject to section 1681s3 of this title, any- report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; TRANSACTIONS ARE IN FACT NOT TO BE INCLUDED ON THE CONSUMER REPORT, PER CONSUMER LAW. I would like this reporting removed from my credit report along with the amount of that account to be removed. This was not an extension of credit at all and should not be used to determine credit worthiness.
Consumer complaint received 2024-10-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

I started at XXXX in XX/XX/XXXX The XXXX lied about job placements and potential salaries. XXXX fail to properly inform me about loan options available and the differences between federal and private loans. When I graduated I had XXXX loans at differentiate interest rates, and they could not be combined till XXXX. This loan has been a heavy burden sense then. I had to fill XXXX in XXXX. I lost my job in XXXX and had to put my loan in forbearance which is now come out of and the payment is {$850.00}. I am worried about my future ability to buy a car or a home some day. 

On XX/XX/XXXX the XXXX XXXX sent the department of education XXXX XXXX XXXX XXXX : A Borrower 's Investigation details the specifics of the predatory nature of the school, including XXXX pages of evidence they have collected against XXXX and XXXX  by the borrowers themselves. The evidence comes from lawsuits, settlements, congressional testimony, and federal investigations. Furthermore, the Ask Letter cosigned by XXXX organizations including, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, the Debt Collective, and others collectively recommends the broad cancellation of all XXXX XXXX loans. 
We are asking the XXXX  to support the borrowers by asking the Department to cancel their loans before the end of the year to ensure they receive cancellation before another administration takes office.
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (PA)

Commenity Bank contact two of my family members to discuss a debt that I owe. When I contacted XXXX about this I stated that there were no other authorized people on the account but myself and that talking about my account with anyone but me is unauthorized. They stated that " since i wasn't answering my phone, that they had to think outside the box. 

They also stated that my phone was on their " do not call list '' so they couldn't call me. I never requested this. My phone is on the national telemarketer " do not call list '' and when I called them, the number showed as telemarketer on my phone. This is the only reason I can see. They are very abusive when a payment is late and it looks like they have landed themselves on blacklist phone number lists. 

Both of my relatives stated that the caller told them he was calling to collect a debt which led to my family members thinking i was in trouble. This us unacceptable behavior.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (PA)

Subject : Failure to Provide Form 1099-B and Request for Credit Report Removal for Charged-Off Account Dear [ Credit Card Companys Name ], I am writing to formally request a copy of Form 1099-B in connection with my charged-off account, account number [ Insert Account Number ]. To date, I have not received this form, nor any information related to it. This lack of documentation constitutes a failure to comply with IRS regulations regarding the reporting of income related to charged-off debts. 

Additionally, due to this failure to provide the required Form 1099-B, I believe this account has been inaccurately reported to credit reporting agencies. Your company is reporting as having a balance but the debt was written off. The absence of proper documentation raises significant doubts about the accuracy of the information being reported. 

As a result, I am requesting the following : 1. A copy of Form 1099-B for the charged-off amount of my credit card account.

2. Confirmation that this account has been reported accurately to credit bureaus, or its immediate removal from my credit report due to the lack of required documentation.

3. Any other relevant tax documents associated with this account. 

Failure to provide Form 1099-B and continue reporting this debt inaccurately may violate the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to pursue further action to ensure compliance with applicable laws and protect my rights. 

Please consider this letter a formal dispute and request that this account be removed from my credit report until this matter is resolved. I expect your response within 30 days. If you are unable to comply, I will take additional steps, including filing disputes with the credit bureaus and reporting this issue to the IRS. 

Thank you for your prompt attention to this matter. Should you require any additional information, please do not hesitate to contact me.
Consumer complaint received 2024-10-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: World Omni Financial Corp. (GA)

The date closed is incorrect, the past due balance is incorrect, I never received a 1099 on this repossession. And how are the balances on this account still reporting every month if its a closed account. Also the balances increase monthly on a repossession/closed charge off account. I asked for it to be deleted due to reporting of inaccurate information. They deleted it from my XXXX but I havent gotten them deleted from the other two agencies
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute several hard inquiries that appear on my credit report. I believe these inquiries were made without my consent and are negatively impacting my credit score. 
I have carefully reviewed my credit report and have identified the following hard inquiries that I wish to dispute : * XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NC)

I am writing to address a critical issue regarding a credit inquiry that appears on my credit report. While the inquiry is showing on my report, which implies proof of an approved account, I was denied access to my credit account I applied for. This situation is contradictory and suggests a violation of my rights under the Consumer Protection Act and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), which stipulates that inquiries should only be made when credit is approved.

The ongoing reporting of this inquiry not only negatively impacts my credit score but also indicates the continued use of my security interest without proper justification. Since you have denied me access to credit, I expect the immediate return of my security interest and the removal of the inquiry from my credit report.

If I do not receive a satisfactory response or if the inquiry is not removed within 30 days, I will pursue legal action to protect my rights under the FCRA and the Consumer Protection Act.