davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Fresh Holdings Inc (MI)

On Tuesday XX/XX/XXXX at XXXX XXXX  My mom ( who I do not live with ) texted me to let me know a man called looking for me. Before I was done texting her, I received messages from my niece, my ex husband, my dad and my mom that he left messages for all of them that I needed to give a verified address for documents to be delivered. My phone had an XXXX number to call. XXXX XXXX XXXX. I called them and the gentleman I talked to said " we can end this right now if you pay XXXX, would you like to use XXXX  or XXXX. '' I said I don't have that kind of money, I told him I have been working with a debt relief company. He didn't seem to like that response. I asked for copies of paperwork so I could forward it to the debt relief company at which time he said if I didn't pay today, the collection activity would continue. He asked for my phone number and would have the gentleman calling everyone know. At XXXXXXXX XXXX XXXX XXXX called me from XXXX XXXX XXXX and asked when I would be home. I told him about XXXX XXXX as I was working. I said but my daughter is home. He said no one can accept the papers except me because I had to read iT all in front of him and sign papers. He asked where I worked because he had to get this off his desk. I gave him my work address ( and I have a witness ). He never delivered papers and calls resumed again the following morning. To my mom, my step mom and me. I made a comment to my coworker that this was very aggressive I was going to call the police to be here and XXXX XXXX, " you call the police. That will actually help me out a lot. '' Again, he never attempted to deliver paperwork. He never yold me what company he works for. But the XXXX number I called was for national recovery. 

I know they call family so they can charge location fees. But they had my address and my phone number, both I've had over 15 years. I never evaded phone calls. I never received a call til the called my mother first and I never received any mail. So I don't agree I should have to pay fees that they will add on to any debt either. 
Even after I told him where I was, he never showed up.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

A check for {$100.00} was electronically delivered for deposit into an account on my behalf. I had closed the account. I visited two local branches, spoke with a representative, both of whom stated that the check would have been returned because the account has been closed. 

The Director of Finance Department of the payer emphatically states that the check was not returned to the said institution. This matter occurred in XX/XX/year>. 

What did Citibank do with my money?
Consumer complaint received 2024-05-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (FL)

Eastern Account System XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Date : XX/XX/2024 Re : Account Number [ Account Number from Credit Report Unavailable ] To Whom It May Concern : I am writing to formally dispute the collection account listed on my XXXX credit report as of XX/XX/2024. This collection, with a balance of {$410.00} and associated with XXXX XXXX XXXX, is inaccurate and should be removed immediately. 

I have no record of any outstanding debt with XXXX XXXX XXXX, nor have I received any prior communication from your agency regarding this alleged debt. The inclusion of this collection on my credit report is causing significant harm to my credit standing and financial well-being. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to provide accurate and verifiable information. I demand that you furnish me with complete documentation validating this debt, including the original contract, billing statements, and any communication history with XXXX XXXX XXXX 

If you fail to provide adequate validation within 30 days of receiving this letter, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue all available legal remedies to have this collection removed from my credit report and to seek damages for the harm caused by your inaccurate reporting. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I hope this letter finds you well. I am writing to express my deep concern and seek urgent assistance regarding my Citi account, which has been unexpectedly blocked. I have been a loyal customer of Citis, and I have always maintained my account responsibly. However, recently, I encountered an issue that has caused significant inconvenience and concern. 

Account Information : - Account Holder Name : XXXX XXXX - Account Number : XXXX - Type of Account : [ Checking/Savings- XXXX XXXX : XXXX, XXXX Issue Description : On XX/XX/year>, I attempted to access my Citi account through the online banking portal and found that my account had been blocked without any prior notice or explanation. This has left me unable to perform essential transactions, including bill payments and other financial activities that rely on access to my account. 

I have not received any communication from Citi explaining the reason for this block, nor have I engaged in any activities that could warrant such an action. I have always ensured that my account is in good standing, and there have been no unauthorized transactions or suspicious activities on my end. 

Steps Taken So Far : - I have attempted to contact Citi 's customer service multiple times to resolve this issue, but I have not received a satisfactory explanation or resolution. 
- I have provided all necessary identification and verification documents as requested by customer service representatives, but my account remains blocked. 
- Despite these efforts, I have not been informed of any specific reasons for the blockage or any clear steps to rectify the situation. 

Request for Assistance : Given the urgency of this matter and the significant impact it is having on my financial activities, I kindly request the following : 1. An immediate investigation into the reasons behind the blockage of my account.

2. A clear explanation of any issues or concerns that may have led to this action.

3. Prompt steps to unblock my account and restore full access to my funds and banking services.

4. Issuance of a case number for this complaint, to ensure that there is a formal record of this issue and to facilitate follow-up communication.

I would appreciate it if this matter could be treated with the utmost priority, as it is causing substantial inconvenience and disruption to my financial planning. I am confident that this issue can be resolved swiftly with your assistance.

Thank you for your attention to this matter. I look forward to a prompt resolution and a response outlining the steps being taken to address my concerns. Please feel free to contact me at XXXX or XXXX for any further information or clarification.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Dave Operating, LLC (GA)

I received an email saying my account was closed on XX/XX/year>. I found their number and called and was told they closed my account but could not provide a reason. They sent me an email after asking me to send a picture of my ID. They are holding my money until I send them a picture of my ID or passport. They have every dollar i own. They claim once I send the picture they will review it for XXXX days and then mail my money to my address. They are stealing from me. I will also be seeking legal action.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Foursight Holding LLC (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

These accounts are inaccurate and fraudulent and should not be on my consumer reports. I am demanding these accounts to be deleted asap. 

XXXX {$300.00} XXXX {$540.00} XXXX XXXXS {$660.00} LVNV FUNDING LLC {$1700.00}
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I recently received a copy of my credit report and found out that you are illegally reporting inaccurate information about me. I have attached proof of these accounts reporting differently with all 3 bureaus. Some of these accounts have been previously disputed and have come back verified but how is that possible when they are all reporting something different? The XXXX XXXX XXXX account is even reporting as account type unknown. How are you reporting an account if you dont even know what type of account it is? Furthermore how is it coming back verified? The proper investigation has not been done on these accounts. Remove them immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
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: AMERICAN EXPRESS COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ability Recovery Services, LLC (SC)

Ability recovery and XXXX XXXX XXXX  are working with XXXX XXXX XXXX and keep restarting my time from medical bills over 7 years ago I would like them removed but they wont remove them I have disputed these 4 hit several times and each time they start me over please help with getting this removed its so unprofessional.
Consumer complaint received 2024-05-23
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: JPMORGAN CHASE & CO. (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Wife sent funds via XXXX from Wells fargo after they sent the tickets. They then pulled the tickets back. We alerted Wells fargo of the scam and they have done nothing but send a letter to chase. It has been 3 months and nothing. Do not use XXXX or Wells Fargo.
Consumer complaint received 2018-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Dear Nationstar c/o CFPB, Nationstar Customer Relations Department XXXX XXXX XXXX XXXX TX XXXX XXXX : Nationstar Mortgage LLC ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and .. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my XXXX XXXX attorney ; the XXXX XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Recovery One, LLC (NC)

I hired safe lite to replace my driver side window. They did. Poorly. As I had to go back. 

I had to pay in full. You cant receive the service without paying. 

I have a bill from XXXX roadside. On XX/XX/31 for XXXX Never used that service nor have I heard of it. 

Some weeks ago I receive one single letter on Friday that I have by Monday to pay safelite a second time. 

It feels like a scam. Why bc I paid.

I disputed the debt. Ive been trying to call safelite but. Alas you can not get a person using their phone system. 

At the least. I would very much appreciate someone looking into this matter. 
much appreciated thank you
Consumer complaint received 2024-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Assistance Inc (TX)

I don't recall having a contractual relationship with this collection company Financial Assistance Inc. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

I recieved a notice from XXXX XXXX XXXX, XXXX. stating I have a outstanding balance with LVNV FUNDING LLC in the amount of XXXX dated on XX/XX/year>. I am unaware of this account. If in fact this company claim I have an account with them please provide a copy of a wet ink signed contract with both wet ink signatures binding any such agreement for my review. If your company fails to provide this copy in 15 days. Further attempts to collect on this alleged debt must cease.
Consumer complaint received 2024-05-24
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: Self Financial Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear SBNASELFLNDR, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside XXXX XXXX Missouri identity theft fraud laws, particularly Missouri Revised Statutes Section 570.223 .

It has come to my attention that SBNASELFLNDR has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, XXXX XXXX Missouri identity theft fraud laws, specifically Missouri Revised Statutes Section 570.223, underscore the importance of protecting consumers from identity theft and unauthorized access to personal information. 

I assert with unwavering certainty that I have not provided consent for SBNASELFLNDR to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially causing harm to my creditworthiness and displaying a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that SBNASELFLNDR immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX XXXX Missouri identity theft fraud laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX Missouri identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SBNASELFLNDR will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Consumer complaint received 2024-05-24
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: Shellpoint Partners, LLC (CA)

I have faced discrimination from your company and humiliation from your attorney XXXX XXXX. I have filed a civil rights complaint against you. 

Please see attached.
Consumer complaint received 2023-10-30
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 request the removal of the inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for {$10000.00}, from my credit report. This error damages my credit and is defamation to character under FCRA. Please investigate and remove this error promptly.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (NE)

I opened savings account with bmo alto. I moved all my life savings around XXXX dollars to the account. They froze my account and i cant access my funds XXXX cant login to verify if my funds still exist. I reached out to customer care team and provided all necessary documentation and still i cant login. I even requested a balance enquiry while review is in progress that was denied as well. 

I was bounced off between teams for no reason over call. In the end i was even like ok send funds back to original account and that was denied as well. I am worried I am gon na losse my money and they are gon na steal it
Consumer complaint received 2024-05-21
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION (MI)

I was sent a text message yesterday XXXX stating that I was able to apply for a Check and Go loan and to start the process click the link. I did not click the link and deleted and blocked the text message. Today XXXX, I received a text message stating my recent application was accepted. Told me to click the link for details. http : //login.checkgo.org/MtHugnMu. I didn't apply for this and do not want anything to do with this. I don't want to click the link due to phishing. I really want to know if this is phishing or if someone has hacked me and has my information.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

Lexis Nexus is providing false information as to whether or not I was involved in an auto accident. My father was involved in an auto accident I was not. This is affecting my insurance payments and my job. 

The dates provided are XX/XX/
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (FL)

I live in a house in XXXX XXXX XXXX, Florida, and have been here since XX/XX/XXXX. I always pay mortgage on time, even during XX/XX/XXXX-XX/XX/XXXX period when over half the houses on my block were empty due to the financial crisis. In XX/XX/XXXX after Hurricane Irma my small business and house took on financial as well as property damage and I learned about contacting my mortgage company for a 90 day forbearance to get myself caught up. I called Mr. Cooper, who is my mortgage company, and had several conversations with their representative, who explained there would be no late fees and penalties for 90 days at which time I would be responsible for the amounts due, they even told me to try to pay what I could every month so that there would not be large number due, which I did. I am completely even at this time but they have put a mark on my credit score saying I've been late. when I contacted them they said they have no record of my request but that it does show I called in XX/XX/XXXX ... they have no reason listed for my calls ... .maybe it was about the XXXX XXXX! I have since talked to other people who have the same experience with Mr. Cooper..AKA Nationstar ... AKA XXXX XXXX XXXX , one of the largest bailout recipients. They're doing the name change shuffle. This forbearance is a federally funded program and I have a FHA loan. It's bad enough to go thru Hurricanes and loss of business, they should have told me they wouldn't honor this program and I would have borrowed funds from a friend or something else. Can you help or is this the way corporations are allowed to operate? Thank you for listening.