davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Dear ChexSystems ' General Counsel, After receiving a number of unsolicited phone calls and emails from people claiming to be from ChexSystems ' I feel obligated to exercise my rights and alert you to what I consider harassing and damaging behavior. 

Specifically, I have received numerous phone calls from people claiming they were from ChexSystems but generally refused to provide any information unless I confirmed my identity. Wary of this potential scam / phishing attempt after previously being a victim of identity theft I am unsure if this is an official action of ChexSystems or a scammer spoofing information. To this end I request that ChexSystems investigate such actions to determine if it is your employees or systems making these unsolicited calls and to provide me with a record of all correspondence on my ChexSystems file, if any. 

To confirm my identity, you can use my social security number as provided to you in this CFPB complaint as well as a picture of my passport. I have not been within the USA for many years and have not agreed to the use of ChexSystems to aggregate my personal information. 

After receiving a record of my correspondence, uploaded to the CFPB complaint I will analyze those records and if needed contact you for more information or requests. 

To carry out this request, please note the following personal identifiers : Name : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Address : XXXX. 
XXXX : XXXX
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (VA)

Got call with caller ID of XXXX XXXX XXXX XXXX XXXX He stated that someone tried to open a credit card in my name with the last 4 numbers of my SSN. Gave me a case # of XXXX. I hung up, called my bank, who stated that there were no claims and that this was a fake account #.
Consumer complaint received 2023-06-28
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: Nelnet, Inc. (MI)

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act of 1974 as a federally protected consumer, it is my right to privacy. 

Stating the consumer owes a debt that the financial institution agreed to discharge is a violation of oath by the trustee and their fiduciary duties. 

Per the XXXX XXXX XXXX of 1974 educational institutions are not allowed to share our information. My student loan information is private. 

I have been denied credit and been humiliated for years due to my nonpublic financial information being reported.
Consumer complaint received 2023-06-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (CA)

789.89 % is beyond predatory. At this point I have more than paid back my loan but no one should be expected to pay over {$11000.00} for a {$1200.00} loan. At the very least they should not be allowed to have consumers from the state of CA were there are laws established to protect people from this very thing. THIS IS THE TEXTBOOK DEFINITION ON LOANSHARKING.
Consumer complaint received 2023-06-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mortgage through Mr. Cooper. 

I am charged through them in escrow for both insurance and tax. 

They have not paid out either in years, and they are now trying to force a ( far more expensive ) insurance policy on me, as well as drastically increasing my escrow payment. 

They have not refunded any escrow for unpaid accounts, ( as such, they ow me tens of thousands of dollars ), and refuse to accept my policy ( through XXXX - paid in full and updated. ) There is no phone number they have given me which allows me to talk to a human or to prove resolution.
Consumer complaint received 2017-03-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

XXXX Navient Predatory Loan will not work with us my son has been cut to 15 hours a weekemployment and a fulltime XXXX, I am XXXX. They have lied, mis-represented us while we are struggling to make payments, not to mention that when they were XXXX, we thought we were getting a XXXX. Navient, formerly part of XXXX, Navient has created repayment obstacles for us by providing misleading information, deceptive practices, and failing to act when we need help most. We need financial relief for the Navient Predatory lenders. They also intimated if we fall behind ( which will hurt our- xcellent credit ) they will be more apt to help us. ( What a scam=they make more in the default loan market ) Is n't this Illegal to say this? We spoke with many different people to no avail. We ne need a principle balance reduction or a fixed rate. Most notably i sent a letter to the Ceo XXXX, only to receive a response by XXXX XXXX XXXX x XXXX, again offered nothing! Please Help XXXX XXXX you can Publish, without my name & # thank u
Consumer complaint received 2021-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

I received a letter from collection Agency ERC that I have a debt with XXXX for the amount of {$890.00} but that they reduced it to {$440.00} I have never had a XXXX account and if there is an account under my name it must be identity fraud. 
Reference number on letter I received XXXX
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I have disputed these debts with XXXX, XXXX and XXXX 6 times without success in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX The following collection : I.C System, Inc {$870.00} Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Mr. Cooper Group Inc. (IN)

My mortgage lender ( XXXX XXXX XXXX XXXX ) ; Formally Known As ( XXXX XXXX XXXX  ) ; transferred/sold my loan to " RightPath Servicing '' : failed to report my mortgage payments under the Federal Pandemic Forbearance/Modification Plan. 
As a result, took advantage of the consumer ( person filing this complaint ) ; by their formed ( SPV ) companies formed for a single purpose to isolate their investment through abusive, threatening business practices ( i.e., physical threats, abusive communication, behind the scene deceptive tactics; attempting to cause financial and other harm ; by affecting my life in a negative way. They ( the parent company ) have in every which/ way violates my consumer rights in their nefarious methods to isolate their investment and activities. 
They have greatly harassed me, leaving threatening communication /paper at my house. following me in my daily life routines. They have teamed up with other outside entities against this one consumer to pull together a " lynching team '' including partnering with XXXX companies as a debt management system to validate their unlawful practices through national correct coding methodologies.
Consumer complaint received 2022-11-28
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. (DE)

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

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 a account without my written instruction
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$17000.00} ; XXXX XXXX XXXX XXXX Balance {$290.00} ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Balance {$1300.00} ; XXXX. XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance {$290.00} ; US DEPARTMENT OF EDU XXXX Balance {$3400.00} ; USDOEXXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-26
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (MD)

The Mortgage provider sold my loan and when I call the prior mortgage provider I am not allow to speak with anyone to determine who is my new mortage provider so that I can make my XXXX and XXXX mortgage payment. You can only get a recording XXXX, the prior mortgage company is sending communications to the subject property which is a rental property. Therefore, I am not receiving the mortgage provider 's communications in a timely manner or not at all. The mortgage provider should be sending all communication to my place of residence. The mortgage provider may also be sending communications to my attorney that is no longer respresenting me in regards to this property. In summary, I can not pay my mortgage due to failed communications from the mortgage provider. Additionally, I am concern that the mortgage provider will use this unlawful situation to submit my property for foreclosure. I am able to make both payments due, XXXX and XXXX, 2024 if i can receive new mortgage provider 's information.
Consumer complaint received 2023-05-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE ()

Dear CFPB, Could you please help me shed some light on the following issue? 

I've transferred XXXX USD from XXXX, XXXX ( XXXX ) to my wife 's account in XXXX XXXX (, XXXX ( XXXX ) on XXXX. The XXXX bank in chain was BNY Mellon ( XXXX ). 

The XXXX XXXX rejected my money on XXXX, due to XXXX  invasion and possible sanctions, but money stuck in XXXX. 

I made request to XXXX and they responded that they don't see these money as blocked. 
I've tried to contact BNY Mellon directly, but they said that I'm not their customer. 
XXXX is disconnected from XXXX from XXXX I'm looking for a way to contact BNY Mellon and get this money transferred to my account in another country, because we have relocated and this will help us a lot. 
Thanks in advance for your help or any information.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc (DE)

I am writing to bring an urgent matter to your attention regarding a fraudulent collection account that has appeared on my credit report. I kindly request your immediate assistance in investigating and removing this account from my credit file. 

I have recently discovered that a collection account, listed under Financial Assistance Acct # XXXX, has been erroneously added to my credit report. This account is associated with XXXX XXXX XXXX, and I want to emphasize that this collection is entirely fraudulent and should not be linked to my credit history in any way. 

To support my claim, I have filed a police report regarding this fraudulent activity. Enclosed with this letter, you will find a copy of the police report for your reference and review. The report clearly outlines the details of the fraud and confirms that I am a victim in this case. 

I am greatly concerned about the negative impact this fraudulent collection account may have on my creditworthiness and financial well-being. It is essential that this false information is removed promptly to restore the accuracy of my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request the following actions to be taken : 1. Immediate investigation : I request that you thoroughly investigate the legitimacy of the collection account in question, taking into account the evidence provided, including the attached police report.

2. Suspension of reporting : Until the investigation is complete, I request that you suspend any reporting of this fraudulent account to other creditors, lenders, and credit bureaus. Continued reporting of this fraudulent information would only exacerbate the harm to my creditworthiness. 

XXXX. Removal of fraudulent account : Upon completion of the investigation, I kindly request the immediate removal of the fraudulent collection account from my credit report. This step is crucial to ensure the accuracy and fairness of my credit history. 

I understand that the FCRA mandates a prompt response to consumer disputes, typically within 30 days. Given the urgency of this matter, I kindly request that you expedite your investigation and resolution process. Timely resolution of this issue is of utmost importance to prevent further damage to my credit standing and financial reputation. 

Please acknowledge receipt of this letter and provide me with a written confirmation of your investigation process and any updates regarding the status of the fraudulent collection account. 

I appreciate your attention to this matter and your cooperation in resolving this issue as quickly as possible. I trust that you will handle this dispute with the utmost professionalism and adhere to the necessary guidelines outlined in the FCRA. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-06-27
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: CLGF Holdco 1, LLC (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (CO)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Co XXXX XXXX 15 U.S. Code $ 1681c- 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items immediately.

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (NV)

In accordance with the fair credit reporting act convergent Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code s 1681a- Definitions ; rules of construction- Exclusions-Except as provided in paragraph.
Consumer complaint received 2023-08-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE (VA)

Calls and voicemails started in XX/XX/XXXX from " XXXX XXXX '', a mediation service who said they were trying to mediate payment on a debt from XXXX from a company I didn't recognize but apparently was also named Barclays, which I did have back in XXXX. First and foremost, I filed bankruptcy in XX/XX/XXXX and named Barclays and the most recent debt collector, XXXX XXXX XXXX on behalf of XXXX XXXX ( another debt collector ) as creditors and sent notification was sent. Also, the debt is beyond the statute of limitations on any company being able to take action such as filing suit against me. The last communication I received from XXXX XXXX XXXX, followed the law, and stated as much at the bottom of the letter. Those identifying themselves from XXXX XXXX call from different numbers, the latest being XXXX. This latest XXXX hung up on me when I told her it was illegal for anyone to take legal action as the debt was time barred and because the original creditor and the last name debt collector had been notified of bankruptcy. If documents are needed, I can provide the last letter received from XXXX XXXX and a case number from bankruptcy. Not sure how I could get the voicemails upload with the phone numbers from their calls.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (GA)

I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize.