davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: First Step Group, LLC (ND)

Company reached out to ex husband then called me multiple times ( at least five ). I am not sure of what debt. Claimed they took me to court. Requested information for what the company is accusing. Threatened to show up at my residence and place of employment. Left a threatening voicemail after I informed them to communicate with my attorney and now called and left a voicemail to my sister. 
I am not aware of any debt and have not been contacted or provided any information regarding this debt.
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (AZ)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IN)

The dispute is in regards to a collection agent known as Transworld Systems INC. The original creditor is listed as XXXX XXXX. I have a XXXX balance with XXXX. The last 3 payments were made XX/XX/XXXX ( {$240.00} ), XX/XX/XXXX ( {$100.00} ), and XX/XX/XXXX ( {$1.00} ) to close out the account. As of the time of writing this I have a XXXX  balance with XXXX. Ive contacted XXXX about the said debt but they have no recollection of passing it to a collection agency. When I attempt to contact the debt collector my mail has come back returned. The number listed on my credit report is also a fraudulent number that directs to a sales company thats not associated with Transworld Systems INC
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

On XXXX XXXX, received a letter with an account number ( XXXX ) on it indicating I can apply for XXXX XXXX XXXX. I had my student loans for when I attended and graduated through NelNet. I paid my loans off around XXXX ( not sure exactly but it has been a long time ). I attempted to call them on XX/XX/XXXX and was on hold for an hour and XXXX minutes and couldn't get through. The automated message was to try and use the automated services, but when I put in my information there is no record of my account. After that long being on hold I waited until XXXX XXXX to try and call again. The automation again said no record and that there was an XXXX min wait, then that XXXX min became XXXX minutes. After being on hold for over XXXX minutes, this company doesn't seem to answer or give correct information. I am concerned that there are now student loans out there for me since I am getting an application to discharge it, why else would they send me something regarding loans that were paid off over 10 years ago. Now I fear that I am going to have to go through for fraud/identity theft. 

There letter states they are here to help, but not really. After trying to get a hold of them for almost XXXX hours, I am no further along than I was prior, except now more aggravated. I want to know why I received such a letter, with an application to discharge a debt that has been paid off for ages. If they say I don't have an account ( which the automation does ), then this is a misrepresentation and deceptive practice to send a letter indicating I can have something discharged that doesn't even exist, why else would a company spend all this money mailing documents/letters on items that are paid off, most businesses are there to make money, and there is no money to be made, nor a regulatory requirement to send something like this on a paid off account, which leads me to believe there is some sort of fraud involved. 

If they say I don't have an account, then please provide a legitimate reason ( s ) for sending me this information.
Consumer complaint received 2015-07-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo has been reporting to the credit agencies that we have missedmortgage payments and are delinquent. The reporting of this information by Wells Fargo is an error and is false. As victims of XXXX XXXX, we were told by Wells Fargo that we were eligible for a forbearance on our mortgage payment. We were informed that the excused mortgage payments would be added onto the end of the loan. After several months of the forbearance, we started to make our usual monthly payment. Shortly thereafter, we received notification from Wells Fargo that the entire balance for the months of the forbearance were due in full. We continued to make our monthly mortgage payment, however, the payment was being applied to the first month of the forbearance, thereby, making it appear that we were continually missing payments. 

When we called, we were told by Wells Fargo that the information we received regarding the repayment of the forbearance was incorrect. Wells Fargo stated that this was the result of inaccurate and misinformation being administered by customer service. In an effort to administer aid to XXXX victims as quickly as possible, customer service was not fully knowledgeable of what procedures regarding forbearances were permitted and how repayment was to be handled. 

For the months we were given the forbearance by Wells Fargo the funds were used to repair the residence. This was necessary because FEMA did not provide any funding for over XXXX months. When we received the final payment from FEMA and paid off the contractors, the funds remaining were used to catch up with the payments missed as a result of the forbearance. By this time, our credit report indicated that we had missed eleven mortgage payments. We have made numerous phone calls and even have written a letter to the office of the CEO, to try to resolve this error to no avail. It can be verified that prior to the authorized forbearance by Wells Fargo, we never missed a payment nor were we ever over XXXX days late.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XX/XX/2022
Consumer complaint received 2024-02-08
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)

i have sent letters out to XXXX, equifax, and XXXX  about inaccurate information reporting on my credit report.15 USC 1681eb and 15 USC 1681i5 and request deletion of the items off my credit report. I also attach a copy of my letters below for your reference.
Consumer complaint received 2023-12-05
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. (IL)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

My name is XXXX XXXX on XX/XX/2024 I was contacted by a collection agency and again on XX/XX/2024 that didn't volunteer their identity the company was portfolio recovery associates on XX/XX/2024 they called again after I said contact me in writing, [ 15 USC1692g a ] Notice of debt contents, States within five days after the initial communication with a consumer in connection with collection of any debt sent the consumer a written notice, containing the amount of the debt the name of the creditor to whom the debt is owed, As of XX/XX/2024 I have yet to receive any notice of alleged debt from portfolio recovery associates that explains my rights to dispute any debt they may claim I owe. after not hearing from the company I sent them a cease and desist letter which is my right I am aware portfolio recovery associates is a repeat offender of FCRA and the FDCPA I am protecting myself from deceptive practices. 15 USC 1692g FDCPA has been violated by portfolio recovery associates.
Consumer complaint received 2024-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (KY)

I filed a previous claim with the CFPB on XX/XX/2023 case # XXXX ( please refer to this for case notes ) against collections for XXXX XXXX XXXX XXXX XXXX XXXXXXXX a debt collection company that posted negative information on my credit reports regarding a bill that I do not owe. XXXXXXXX XXXX XXXXXXXX was sent by certified mail a debt validation letter and did not respond to my request and the the Federal Trade Commission was notified as well. The case was closed and removed from my credit reports. 

Now XXXX XXXX has a new attack dog by the name of the CBE Group, XXXX XXXX XXXX, XXXX XXXX, IA XXXX who posted negative information on my credit report and has NEVER notified me in any way that a debt is owed. All they did was slam it on my credit report. 

I humbly request that the CFPB investigate the highly unethical procedures of the the CBE group and their practices as I totally dispute and monies owed to them.
Consumer complaint received 2023-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

LVNY IS ON MY CREDIT REPORT REPORTING COLLECTIONS I HAVE NO KNOWLEDGE OF THIS CREDITOR OR DEBT COLECTOR I HAVE REACGED OF FOR VALIDATION OF DEBT XXXX HAVE NOT HEARD FROM THEM IT HAS XXXX XXXX. 
THE NEGATIVE REMARK IS CAUSING XXXX GREAT HARDSGIP AND I AM EAGER TO HAVE THIS TAKEN CARE ASAP
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Colony Brands, Inc. (TN)

I have been contacting XXXX XXXX for a period of time they said that the information would be removed off my report the first time I called they had an address I never lived at and ask me for my address so they can send me a letter saying it was removed the first address was an address in XXXX XXXX XXXX XXXX XXXX XXXX XXXX so when I noticed it wasn't remove nor did I receive the letter when I called again they had the address I gave them at first the year said 2017 and now the year saying 2019 which I can prove I wasn't at the address that I'm at now I can upload my lease
Consumer complaint received 2023-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file is listed on my credit report. XXXX XXXX XXXX Balance : {$41000.00}.
Consumer complaint received 2016-10-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NV)

I have tried to work with Nationstar Mortgage but they have said they prefer to short sale or foreclose. I believed I qualified for a HAMP loan but it was denied. They issued a Standard Loan Modification that I could not afford. Nationstar is forcing foreclosure and short sale only options. They have said that they are not obligated to provide me with a loan modification. My problem with this is ; I would never do business with this company, but I am forced to. Where is my protection from predatory non-bank lenders? 
I want to keep my home.
Consumer complaint received 2024-05-16
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: Kovo (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX. Notwithstanding section 604 [ 1681b ] or any other provision of this title, XXXX XXXX XXXX shall furnish to the Federal Bureau of Investigation the names and addresses of all financial institutions ( as that term is defined in section 1101 of the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 ] ) at which a consumer maintains or has maintained an account, to the extent that information is in the files of the agency, when presented with a written request for that information, signed by the Director of the Federal Bureau of Investigation, or the Director 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B )
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I ask US bank to look into this case and return my money
Consumer complaint received 2023-12-28
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. (DE)

I called Rushmore due to a XXXX XXXX XXXX XXXX asking for help with a deferred payment due to income being decreased I was completely misinformed and misguided and no follow up what so ever I asked to be called for any additional information they may of needed and never received anything from them was told they sent a letter I never received the only help that was avail was I either make my payment or the threats would start to take my home for non payment I continued to call and be hung up on by there auto mated system more times than I care to admit that can not still verify me a a loan customer spoke to multiple reps that have not been helpful at all just justifying the bad experience and business of this company puts out I have struggled just to reach a rep to simply make a payment weather I could or not afford to pay it due to a XXXX illness that was completely disregarded I sent in all the info requested and they did absolutely nothing to help my family I ask that some kind of response is received to please justify why my information was over looked and absolutely no help was received while trying to get through a life saving XXXX
Consumer complaint received 2023-12-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC (NY)

I applied and received a financial mortgage assistance award from the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX on or about XX/XX/2023, in the amount of {$2300.00} to be disbursed to my mortgage servicer, LoanCare on or about XX/XX/2023. My monthly mortgage payments are {$1400.00}. The awarded grant funding covered the months of XXXX and XXXX. However, my mortgage servicer contacted me on XX/XX/2023 for a missing payment for the month of XXXX. The XXXX XXXX program disbursed the funds to LoanCare to cover the months of XXXX and partial funding for XXXX in the amount of {$890.00}. 

I contacted Loancare on XX/XX/2023 to make certain that the funds were disbursed to my loan appropriately. After speaking with LoanCares representative, XXXX, she indicated that part of the awarded grant assistance went towards corporate fees. I informed her that the awarded grant funds from the XXXX XXXX program was supposed to satisfy my monthly mortgage payments for the months of XXXX and XXXX. LoanCares representative placed me on hold to confirm with her supervisor about the funds being applied to corporate fees. After the representative returned to the call, she informed me that LoanCare could apply the extra funds to the month of XXXX, and that the corporate fees would have to be satisfied at the end of the loan term, which I was previously aware of. On XX/XX/2023 LoanCares representative took an over-the-phone payment from me in the amount of {$580.00} to complete the payment for XXXX. At that time, I was informed by LoanCares representative that I was due for XXXX payment. I indicated that I was experiencing financial hardship and requested a deferment, forbearance, or a modification, with lower monthly payments as a result. LoanCares representative informed me that I was not eligible for a forbearance, because I had already exhausted a forbearance a couple years ago. My question is, Is there a limit to receiving a forbearance during a hardship? I was informed to submit in an application, along with my monthly income statements and liabilities. I was also informed that my mortgage account would not incur any fees during the application review and processing. 

My complaint involves a letter from my mortgage servicer, dated XX/XX/2023 that indicates that I missed XXXX and XXXX payments, which is inaccurate. The letter states that I am in serious jeopardy of losing my home, and need to pay LoanCare {$5300.00} immediately by XX/XX/2023. This is totally inaccurate and not true. LoanCares unfair, deceptive and abusive practices ( UDAAP ) has contributed significantly to my financial injuries. I am in default of XXXX 's payment.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK (AZ)

I opened a checking account with Midfirst after receiving an emailed advertisement that said that if I did so I would get XXXX after completing certain activity on the account. I used XXXX more than XXXX  times and had XXXX debit card transactions like the terms stated but have not received the XXXX bonus. Please correct this issue by applying the XXXX bonus to my account.
Consumer complaint received 2023-09-01
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: Experian Information Solutions Inc. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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
Consumer complaint received 2023-09-01
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX , XXXX . XXXX and XXXX , XXXX . XXXX