davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

I experienced a lack of income due to leaving a XXXX  XXXX incident. I received my taxes on XXXX  and immediately contacted the creditor to resolve XXXX credit accounts. I paid the charges plus interest but couldn't afford the late fees assessed. They refused to cooperate or negotiate an affordable solution and continued to charge late fees and assess interest. 

I have reached out several times and given many different options within my budget and they continue to refuse to work towards a permanent resolution. I never missed a payment prior to being left with no income and a XXXX XXXX child to take care of. 

If they do not remove this from my report I will dispute the payments and take 100 % of the funds back paid on XX/XX/2023.
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (OH)

On XX/XX/year> XXXX XXXX sold my mortgage to Mr. Cooper. In XXXX I noticed that my mortgage was never put back on my credit report. My credit score dropped about XXXX points since my oldest account was not gone. I contacted Mr. Cooper via a ticket on their website. I also followed it up with a phone call to them. I was told on the phone that my mortgage should be on my credit report with a couple of weeks. I then received an message from their ticketing system at the end of XXXX stating that although they report to all of the major credit agencies they would not be reporting my mortgage because it was never reaffirmed with XXXX XXXX. I responded back to them with the documents showing that the mortgage was reaffirmed and they never responded back. I then opened another ticket with them to submit the file and they just deleted the ticket. It is gone from my profile and it is not searchable. 

On XX/XX/year> I received an adverse Action Notice rejecting my application for a car loan and one of the reasons was Lack of Real Estate Secured Loan information. Mr. Cooper is affecting my credit score and keeping me from being able to get the best interest rate possible on the loan.
Consumer complaint received 2023-04-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX my wife and I entered into a repayment agreement with the XXXX XXXX XXXX. The terms of the agreement were for an initial payment of {$17000.00} on XX/XX/XXXX and then on or before XX/XX/XXXX monthly payments of {$4300.00} monthly thereafter, on a total balance of {$760000.00}. 

All these payments have been made on time and per the agreement. The XXXX initially reported to credit agencies in XXXX of XXXX that the loan was written off, which it was not, and then has since said we are non-payers/collections. This has ruined our credit, which we worked a lifetime to keep high and in a matter of months they single-handedly destroyed. At this point, some of the agencies have reversed XXXX  erroneous write off claim, but not all, XXXX and Equifax. Recently XXXX completed their dispute by saying the XXXX claims it was accurate, even though I provided evidence of every payment on the XXXX 's own pay.gov site.
Consumer complaint received 2024-02-04
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Thanks
Consumer complaint received 2023-04-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX my wife and I entered into a repayment agreement with the XXXX XXXX XXXX. The terms of the agreement were for an initial payment of {$17000.00} on XX/XX/XXXX and then on or before XX/XX/XXXX monthly payments of {$4300.00} monthly thereafter, on a total balance of {$760000.00}. 

All these payments have been made on time and per the agreement. The XXXX initially reported to credit agencies in XXXX of XXXX that the loan was written off, which it was not, and then has since said we are non-payers/collections. This has ruined our credit, which we worked a lifetime to keep high and in a matter of months they single-handedly destroyed. At this point, some of the agencies have reversed XXXX erroneous write off claim, but not all, XXXX and Equifax. Recently XXXX completed their dispute by saying the XXXX claims it was accurate, even though I provided evidence of every payment on the XXXX 's own pay.gov site.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

Over the course of the last 6 months Ihave sent multiple complaints about all XXXX credit bureaus reporting alleged medical debts violating medical laws and all without my consent. I have written them at least 3 times and asked them to remove them. I have the letters saved as well as the responses. Please address this immediately. Thank you.
Consumer complaint received 2024-03-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Silverman Theologou, LLP (MD)

I am writing to file a complaint against Silverman Theologou LLP and XXXX XXXX XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ). I believe that both entities have breached my cease and desist order and have engaged in deceptive and misleading practices in their attempts to collect a debt from me. 

I sent a cease and desist letter to Silverman Theologou LLP and XXXX XXXX XXXX XXXX, explicitly instructing them to cease all communications with me regarding the alleged debt. Despite this clear directive, both entities have continued to contact me in an attempt to collect the debt, thereby violating my rights under the FDCPA. 

Furthermore, Silverman Theologou LLP has falsely represented itself as a law firm or attorney in their debt collection communications with me. While I understand that Silverman Theologou LLP may be a BAR-approved law firm, when engaging in debt collection activities, they are held to the same standards as any other debt collector under the FDCPA. Implying that communications are from an attorney or a law firm is misleading and deceptive, especially when they are attempting to collect a debt. 

In addition to Silverman Theologou LLP violating my cease and desist order and falsely representing themselves as attorneys, XXXX XXXX XXXX XXXX has also reported negative information about me to consumer reporting agencies, damaging my right to privacy and my reputation. 

I want to reiterate that I do not believe I owe the alleged debt, and I have refused to pay based on my rights as a consumer under the FDCPA. Despite this, Silverman Theologou LLP and XXXX XXXX XXXX XXXX have ignored my requests and have continued to harass me in their attempts to collect the debt. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action against Silverman Theologou LLP and XXXX XXXX XXXX XXXX for their violations of the FDCPA. I also request that any negative information reported about me be removed from my consumer report.
Consumer complaint received 2024-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CrossCountry Mortgage LLC (MN)

I am writing to formally file a complaint against my mortgage servicer, Cross Country Mortgage, regarding significant issues with their website and payment portal. 

In XXXX, 2024 my mortgage was transferred to Cross Country Mortgage. I had no issues with my previous servicer 's payment system. However, I have encountered multiple problems with the new servicer 's website. 

Firstly, the payment portal only displays the last four digits of the bank account number. My bank increments the middle digits, not the last four, which if i'm being honest has caused the confusion in the first place since I can not verify the account number on the servicers website. Recently, I started using a separate account that coincidentally ends with the same last four digits. 

In XX/XX/year>, I deleted the old bank account information I was making payments with and added the new account details. After making a payment using the saved information, the wrong account was charged. I immediately contacted the servicer to report a potential backend system issue, as I had deleted the old account and entered the new one. The servicer conducted an investigation but determined it was not their fault. I accepted this conclusion as a mistake on my end. 

To avoid further issues, I deleted the saved account and added the new one again when making both XXXX and XXXX 's payments. However, during XXXX 's payment cycle, I decided to use the saved payment information, believing it would be safe. Unfortunately, the old account was charged again, indicating a recurring problem with the servicer 's backend system. 

As a result of these issues, I have incurred {$60.00} worth of NSF ( Non-Sufficient Funds ) fees this year, with each instance costing {$30.00}. This is causing financial harm and undue stress. 

I have formally requested the servicer provide logs of my saved payment entries and the corresponding values, but they have refused to do so. I believe there is a backend database issue causing my saved payment information to be overwritten at some point. However I can't verify whether it's right or wrong account since it only shows the last 4. I servicer also can not verify my current saved information either. 

I am requesting the CFPB 's assistance in resolving this matter. The servicer 's refusal to provide the requested logs is unacceptable, and their system 's deficiencies are causing significant inconvenience and financial harm. 

Thank you for your attention to this matter.
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I called Bank of America in XX/XX/XXXX stating my business is going through a Natural Disaster when one of my warehouses burnt down and I am spending my time fixing the situation. They notated that and from there I somehow accumulated 2 late fees. I pay via Autopay all the time via Minimum Payment Due. BUT with Bank of America they do not have that option so when the interest went higher my Minimum Payment Due went higher and the past 2 months I didn't cover it. 

I did not foresee it due to the Natural Disaster happening. SO I called them stating to remove the 2 charges and they said OK but it never gotten done I am writing to Consumer Finance to help me in this situation as they 1. Do not have an Autopay option for Minimum Payment Due to avoid this situation. 
2. I went through a Natural Disaster and Bank of America should have the consumer in mind. 
3. I overpaid the minimum and now making larger payments and Bank of America did not have this in mind.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DEPTEDXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is Reporting Information that is Detrimental to my Livelihood on my Credit Report I have asked for Proof and have not received that information as of this date. 
This matter will cost me dearly if not corrected. 
I have been charged with enquiries ; I want to know how when. 
1. There should be a Freeze on my Report 2. The company all have not records of summiting applications I need this to be investigated as my score was dropped when I was in the Home buying process
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I'm trying to purchase a property and my credit report reflected a credit card I never applied for and never used. I informed Capital One. They refuse to remove from my credit report and trying to force me to pay credit card bill. I refuse to pay for their mistake. Capital One is allowing people to get credit cards in other people 's name and forcing victims to pay. I'm a victim of fraud. I requesting information to be removed from my report and my name made whole.
Consumer complaint received 2024-02-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (PA)

My husband died suddenly in XXXX of XXXX. My daughter came to pack me up and to live with her. At some point in XXXX XXXX XXXX emailed me about the negative acct on my credit. It was for {$6200.00}. I was expecting some left over charges but because they are a creditor I could not do anything had to wait for probate. I had no idea about this no one ever contacted me by phone or mail. Once my husband passed everything was frozen and was in probate. The laws in Florida states that nothing can be done until his probate is complete, they even sold the house! My husband passed XX/XX/XXXX they had me in collections in XX/XX/XXXX plus they filed a claim with the court for the amount that they put me in collections for. Again I was never notified. Our attorney sent them a caveat by creditor which they did not respond to so because they ignored the notice I am not supposed to be responsible any longer for this debt..This probate was very lengthy. It was just recently completed. 
I was in the middle of packing and moving out of my daughter and now any place I apply for is turning me down.
Consumer complaint received 2023-11-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (TX)

On XXXX XXXX I called Resurgent Recievables XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and ordered them to cease and s desist they said they had resciwved my mail because she asked if I wanted to lift the cease and desist. I said No why would I at that time knowing they had my mail I sent they were still reporting on all three credit agencies, XXXX, XXXX and XXXX XXXX as I look today on XX/XX/2023. They removed XXXX and XXXX XXXX file but they left XXXX file heres the proof in screenshot I am sending them XXXX bill and to their Secretary of State Im tired of not getting paid from these corporations and they violate us everyday You know they do. I have yet to get any payment so I will take this into my own hands since I never get a check from cfpb for this usury and fraud that goes on daily the American people are becoming aware of all the fraud in the government. Not all but most especially the fake court judges and their policies. I demand payment what more proof so I need
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting Act. The list of accounts and inquiries below have violated my Federally protected consumer rights to privacy and confidentiality. Under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX Acct : # XXXX Amount : {$8500.00}, XXXX XXXX Acct : # XXXX Amount : {$400.00}, XXXX XXXX Acct : # XXXX amount : {$300.00}, XXXX XXXX XXXX Acct : # XXXX Amount : {$4400.00}, XXXX XXXX XXXX Acct XXXX # XXXX Amount : {$8900.00}, XXXX XXXX Acct : # XXXX Amount : {$2500.00}, XXXX XXXX Acct : # XXXX Amount : {$170.00}, XXXX XXXXXXXX Acct : # XXXX Amount : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 623 of the FCRA and Regulation V that a creditors must not furnish, inaccurate information to the CRA these accounts was never investigated to confirm accuracy of the above accounts. After reviewing my credit reports it is fact that under 15 U.S.C. 1681 ( a ). Prohibits the furnishing of inaccurate information.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I really didnt know too much about checking my credit but when I did I found 2 fraudulent accounts on my report which is XXXX XXXX XXXX  fraudulent amount is XXXX and also XXXX XXXX XXXX is fraudulent amount XXXX I have no knowledge of either one of these accounts
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

I am writing to express my deep frustration and disappointment regarding your bureau 's handling of my identity theft claim. Despite providing extensive documentation and evidence, it appears that my case is not being recognized or treated with the urgency it warrants. As a victim of identity theft, I have endured countless hardships, both financial and emotional, due to the actions of the perpetrator who maliciously stole my identity. I reported this incident to your bureau on XX/XX/2022, accompanied by substantial evidence, including FTC reports, to substantiate the authenticity of my claim. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.