davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (OR)

I am currently greater than 7 months past due on my XXXX mortgage with Nationstar. After repeated attempts to negotiate with my lender, I have exhausted my options. Unless my own finances miraculously improve in the immediate future, I expect to lose the house. 
The company representing my mortgage ( XXXX XXXX ) has repeatedly circumvented security measures in place at a gated suburban development in order to illegally trespass on an occupied residence under false pretenses. 
XXXX has, on at least three ( 3 ) occasions, conducted fraudulent inspections of my property in the process of illegally trespassing, despite the property being in good repair, interior furnishings and personal items being present in the property and clearly visible, and utility services being active. No reasonable attempt was made to ascertain the livability or current occupancy before the notice of abandonment was posted. Each time the notice of abandonment was posted I notified XXXX that the property was not, in fact, abandoned and/or vacant. 
I have repeatedly attempted to contact XXXX to request written confirmation that they understand that the property is still occupied and being maintained to livable standards, which they have refused. I suspect they will attempt to conduct another fraudulent inspection next month, and have threatened the inspectors with arrest and company with legal action should they do so.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (GA)

I would like to file a complaint against XXXX XXXX, XXXX Bank, XXXX XXXX XXXX for XXXX reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc. (NJ)

I am writing to formally request an update to my credit report regarding the reporting of late payment on my account wi Upon reviewing my credit report, I noticed that a late payment have been reported. However, according to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1666b, creditors are prohibited from reporting payments as late when they have been made on time. I firmly believe that the reported late payments on my account were, in fact, made on time, and their erroneous reporting has adversely affected my credit score.

The impact of these incorrect late payment reports has been significant. My credit score has suffered, resulting in higher interest rates on loans and credit cards, and it has hindered my ability to secure favorable financial terms. This has caused undue financial stress and hardship.
Consumer complaint received 2024-06-12
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCF Intermediate Holdings LLC (TX)

I have been repeatedly harassed by the debt collection agency XXXX XXXX XXXX XXXX. They have impersonated themselves to be legal attorneys demanding that I resolve a presumed debt that is XXXX the amount of what I owe the original pay or, they have harassed previous employers of mine seeking out information to attempt to contact me, they have additionally harassed my relatives and residents of prior living locations. When I called to speak with them regarding such debt that was owed to Speedy Cash but unfortunately defaulted, they are demanding I pay over XXXX or risking court involvement when the original amount due was just over XXXX. I have been at risk of losing my employment due to such harassment techniques and demanded for them to stop. I asked for their information of their company to explore legal guidance of my own given the distress caused by such situations they have put me in and the representative gave me a fake name XXXX XXXX XXXX. I had to contact Speedy Cash directly to obtain the real name of the collection organization. I just want this harassment to stop. 

Example of harassing voicemail included below : XXXX XXXX this is XXXX XXXX for contacting you once again in regards to your claim number is XXXX XXXX XXXX XXXX XXXX XXXX. We've reached out to you several times over the past few days and all correspondence have been ignored at this point. We have now verified your commercial as well as several residential locations locations. Understand you do still have the right to make contact with the office handle in your claim I will provide that information once again, so there's no way that you can stay XXXX that you had no prior knowledge of this matter The number provided is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Voicemail is one of many received. This one received on XXXX/2024 at XXXX
Consumer complaint received 2024-06-12
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

Ulta Beauty credit card charged me a {$30.00} late fee. Its the first time that Im late. I called and advised them that they can only charge me {$8.00} as I called the CRPB and federal law now restricts over charging late fees. The representative told me that Ulta is exempt from that law and they dont have to lower their late fees.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Control, LLC (SC)

XXXX XXXX has sold the alleged debt to Credit Control LLC. XXXX XXXX XXXX XXXX is still harassing, reporting and attempting to collect on this debt. This is violation of FCRA, and Privacy Act. However it is still showing on my report. The accounts ending in XXXX, XXXX, XXXX. This data is inaccurate and illegal.
Consumer complaint received 2024-06-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

In 2022, XXXX XXXX XXXX made a mistake that disconnected our phones. After the FCC got involved and ruled in our favor, XXXX XXXX XXXX restored service and supposedly wiped the slate clean. We then ported our numbers to XXXX XXXX. 

However, there was a snag with one prepaid phone. We left it inactive for about a month. Upon trying to reactivate, we discovered the number had been ported out- and it wasn't on XXXX XXXX either. A call to XXXX XXXX XXXX revealed they had, seemingly without authorization, ported the number back to their network and incurred charges. 

We contacted the FCC again regarding this new issue. While XXXX XXXX XXXX initially dragged their feet, they eventually offered a 30-day extension and sent the disputed bill to collections. 

The situation became more complex when XXXX XXXX XXXX  seemingly disregarded the original FCC agreement. They placed a network lock on the phone awarded to us, essentially rendering it unusable on any other network. To make matters worse, they deny ever doing so.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (IN)

I CALLED TO GET INFORMATION ON BUSINESS TYPES OF FUNDING LIKE CREDIT CREDIT BUSINESS CREDIT CARDS LINES OF CREDIT FOR THOSE WHO ARE NEW TO COMMERCIAL WHEN IT COMES TO PROPERTY AND AND HOUSING PROBABLY BEFORE BUT DURING COVID NO DURING XXXX  IT WAS GOING ON WHEN EVERYTHING WAS SHUT DOWN I'M AFTER THE FACT DURING THE FACT THERE WAS FINANCIAL SINUSES OF FINANCIAL MONEY MADE OF FINANCIAL MONEY MADE OF FINANCIAL MONEY MADE AVAILABLE TO NEW OWNERS WHETHER IT'S BUSINESS AND PERSONAL WHEN OPEN MY ACCOUNT WITH WELLS FARGO I ALREADY DID MY RESEARCH AND I FINALLY GOT A COMPANY BEFORE COVID ACTUALLY SHOULD STARTED INFORMATION ON HOW TO FIND OUT WHAT'S GOING ON WITH CREDIT AND HOW TO GET THOSE DISPUTED LETTERS IN AND IT WAS WITH XXXX XXXX AND THE GENTLEMAN WHO INTERVIEWED THE MAN WHO WAS OPPOSED ARMS BEGAN XXXX XXXX THAT'S NO LONGER WITH US AND I'M A PART OF THE COMPANY AND OUR CRAZY SECRETS THEY HAVE THE PERSONAL IN THE BUSINESS INFORMATION EDUCATIONAL BOOKLET AND YOU BECOME A PART OF THEIR FAMILY AND I'M SIGNED UP WITH THEM THIS IS HOW I WAS ABLE TO TACKLE SOME THINGS TO FIND OUT WHAT WAS REALLY GOING ON AND IT WAS A PLAY ON WORDS AND I DON'T UNDERSTAND I FIGURED OUT WHEN THAT REALLY ALMOST MISSING IT THAT THE BANKS THE CREDITORS ARE MAKING MONEY BEYOND THE PERSON THEY MAY SAY OH THE MONEY ESPECIALLY IF IT'S REALLY GOOD CREDIT CUZ MINE IS GOOD ANYHOW I WAS TOLD THAT I WASN'T ELIGIBLE FOR THE BUSINESS BUILT RENT CREDIT CARD I WASN'T ELIGIBLE FOR THE WORKING CAPITAL BUSINESS LINES OF CREDIT PRETTY SURE NOT ELIGIBLE FOR ANYTHING BUT THAT'S IMPOSSIBLE BASED ON WHAT I READ THEN I COULDN'T HAVE THE BETTER ACCOUNT DUE TO THE BASICALLY BASED ON HOW MUCH MONEY YOU HAVE IN YOUR ACCOUNT!
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XXXX NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (NY)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : AMERICAN EXPRESS XXXX
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (TX)

Please see attached letter which is the third unresponsive letter I have mailed to them in regards to an account on my Bureau with them titled XXXX XXXX  XXXX .... I do not and have never had an account with XXXX In accordance with the Fair Credit Reporting Act. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Dear Consumer Financial Protection Bureau, On XX/XX/2024, I attempted to initiate a transfer of funds via XXXX to the recipient with wrong. However, due to the recipients phone number was selecting the wrong, the funds were mistakenly sent to different recipient. 

I have made efforts to rectify this situation by contacting the unintended recipient and my financial institution. Unfortunately, my bank, Chase Bank stated the courtesy recovery fund request was sent but failed. Due to XXXX is 3rd party, Chase is not responsible for the money send back. The XXXX is equal to XXXX cant be get back. Chase branch managers Read me several times of the policy which is not Chases responsibility in this case. And wants me to accept the reality ( the money is gone ), want me to contact XXXX, want me to contact the recipient directly. 
I had contacted XXXX, XXXX said Chase is 3rd party so they cant responsible for it, they have no transactions details so cant do anything. XXXX said due to I did not use XXXX XXXX so XXXX want me to contact my bank, Chase Bank. 
My issue as a ball been kicked back and forth by Chase and XXXX.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (CT)

I just reviewed my consumer report and found several late payments from Santander Consumer USA with account # XXXX, the term " consumer report " does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. I demand Santander Consumer USA to update my account to pay on time.
Consumer complaint received 2024-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

I have set up and re-set up auto pay through Nelnet at least a dozen times and my payments never get accepted. I believe I'm being given late fees because their system is unable to handle auto-pay. I have autopay set up on my private loan through XXXX XXXX XXXX and have had no issues in two years. I always have enough money in my checking account for it to be taken out. 

This is essentially the communication they've sent every time I've tried to set up or re setup auto-pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  From Nelnet : First I get this : XXXX XXXX XXXX XXXX XXXX Your new repayment plan has been approved and applied to your account, changing your regular monthly payment amount and payment schedule. 

Then I get this : Action Needed : Your previous payment could not be processed. Please submit a new payment or apply for assistance to bring your account up to date. 
XXXX XXXX XXXXXXXX Dear XXXX, Your recent payment of {$100.00} could not be processed because your financial institution was unable to process the transaction. Your Nelnet account may be past due as a result. If this returned payment previously paid your loan in full, your loan may still have an active balance. Please verify your account information with your financial institution to ensure future payments can be processed, and resubmit your payment at soon as possible.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX, I called XXXX to help me remove a Wells Fargo Secured Credit Card account ( opened on XX/XX/XXXX ) that was negatively impacting my credit score. This was on the basis that I already paid off that account and that there was no reason that that account would continue to negatively impact my credit score. 

After about 11 days, I received an email from XXXX stating that the dispute has been resolved, only to find out that the account that they removed on my behalf was the wrong Wells Fargo Secured Credit Card, opened on XX/XX/XXXX, instead of the one opened on XX/XX/XXXX. 

Now, my credit score has dropped XXXX points apparently because of this mistake by XXXX. XXXX advised me to call Wells Fargo ( XXXX ), which I did. Unfortunately, a customer service representative from Wells Fargo told me that they could not reinstate reporting this XXXX account back. 

This is so confusing as a consumer. On the one hand, XXXX advised that I should call Wells Fargo because they are the only ones who could reinstate the reporting of that XXXX account back. On the other hand, Wells Fargo is saying that they could not do this. 

Please help me because I really need a fair and honest credit score right now.
Consumer complaint received 2024-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

My information has been stolen and used whom ever stolen my information they have use it illegally to apply for credit card acts with many financial institution : These is all unauthorized inquires : PORTFOLIO RECOVERY ASSOCIATES. These illegal inquires is reported illegally on my XXXX XXXX XXXX, XXXX, XXXX and XXXX and must be removed asap. Also my XXXX XXXX XXXX has many errors including a date of birth XX/XX/year> which is inaccurate and must be deleted because my correct DOB is XX/XX/year>. Also my XXXX XXXX has many addressed which is all inaccurate, my only address is XXXX XXXX XXXX XXXX, XXXX IN, XXXX. This illegal information must be deleted from my credit report under section 15 U.S code 16815 2 ( B ) or the fair credit reporting at. pursuant to section 15 U.S code 16815. 2 ( B ) of the Fair Credit Reporting Act, Stating " Information alleged to result from identity theft " If a consumer submits an identity theft report in person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct and send the required notifications to all furnishes of this information
Consumer complaint received 2024-06-10
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am requesting CAPTAL ONE understanding and compassion regarding my current financial situation. Unfortunately, I find myself unable to fulfill the payment plan for my XXXX account ending in XXXX, despite your assistance in setting it up. This debt has become a significant burden on my credit score, causing me considerable distress. I sincerely regret the inability to meet my financial obligations, and I am genuinely seeking a resolution to this predicament. In light of these circumstances, I humbly request your forgiveness and kindly ask if you could find it within your heart to consider deleting this account. Doing so would alleviate a substantial source of stress and enable me to focus on rebuilding my financial stability
Consumer complaint received 2024-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

My loan was recently transferred to Mr. Cooper and when I try to view my amortization schedule online it is unavailable, when I chat with an agent online they are unable to provide. When I call the automated system refuses to connect me to an agent for the purpose of requesting an amortization schedule. I have to tell the automated system I want to refinance to get transferred to an agent and finally the agent put in a request that might take a couple days if they even send it.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (IL)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.