davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I was approved for a loan modification and set in paperwork to start loan repayment. After I sent paperwork in agreeing to the loan modification ; I was told that my paperwork was not accepted because my signature did not look authentic. I was told that because of the signature problem, my paperwork need to be redone. I was told not start paying my bill because my loan had not been processed yet. I was told that I had to resubmit my paperwork and will start paying from that date once I got approval on my signature. I was told no payments need be taken at this time. So I was sent paperwork about 90 days later to re-sign and send in to my loan officer. I was told to start paying my mortgage on XXXX. I got a phone call few days after this meeting stating I owed XXXX worth of payments and it needed to be paid. I explained that this was not what I was told and I could not pay it. I was told then my house would go into foreclosure. I requested to speak to a supervisor and I was denied twice. I was denied my home modification and now facing foreclosure because of wrong information was provided to me and my signature not being accepted. I requested assistance from my point of contact and he never calls me back. I never got a chance to speak to a supervisor about my situation. Since XXXX/XXXX/XXXX, I have being calling my loan officer with not return calls and not direction into how to save my home.
Consumer complaint received 2023-03-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

I have the Citi Double Cash Card. As I have redeemed around {$2300.00} in redemptions, I have been redeeming it as " statement credits ''. Since these paid down my balance, I felt these were payments, which payments earn 1 % rewards. When I redeemed points yesterday, there was a message that said the redemption doesn't satisfy the minimum payment required, which prompted me to start to question if they were trying to exclude customers from getting points. I called and sure enough if you redeem points to pay down your balance they don't give the 1 % credit. This is absurd in my mind as I could easily have redeemed for the money to my checking account and then paid down the bill from my checking in which case it would have counted. In fact, I would think this would be more work on Citi 's part and that they would prefer you redeem as a statement credit rather then them having to ACH to your account and then you ACH back for a payment to be able to get your 1 %. I talked to uncaring reps who said it isn't a bank error. Giving me the {$23.00} wouldn't have put me ahead at all, it would have just made me whole had I done the process the way I should have had I been aware I wasn't getting these points. One did give me a {$10.00} goodwill gesture, but I am still out {$13.00}, not to mention other customers who are mislead by this who are also out. They said it is all covered in their rules. I went to their site where they are promoting customers to apply and there is a section that says " What Earns Cash Back : You earn cash back on all your purchases and on payments based on your purchases. You do not earn cash back based on balance transfers, cash advances, account fees, interest or returned items. '' I attached a screenshot of this to ensure they are aware what I have for my proof. It doesn't say anything about reward points being used as a statement credit not earning cash. Seems deceptive to me and all citi cardholders should be reimbursed that have been deceived by this.
Consumer complaint received 2023-09-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute Regarding Debt Collection by Unknown Company Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding a debt collection agency that has been pursuing me for a debt that I have no knowledge of. I believe there may be discrepancies in the contract or signatures associated with this debt, and I am uncertain about the legitimacy of the company involved. 

[ NATIONAL CREDIT SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cash Amount : {$16000.00} ] Despite multiple attempts to seek clarification and validation of this debt, I have not received any concrete evidence or information about the alleged debt 's origin or validity. Furthermore, I have not been able to identify the debt collection agency itself, as they have not provided sufficient contact information. 
I understand the importance of addressing legitimate debts and fulfilling my financial responsibilities. However, I am deeply concerned about the lack of transparency and the possibility of fraudulent activity in this matter. 
I kindly request that the Consumer Financial Protection Bureau investigate this issue and take appropriate action to ensure that my rights as a consumer are protected. Specifically, I would appreciate your assistance in : * Verifying the legitimacy of the debt collection agency in question. 
* Requiring the agency to provide complete and accurate documentation regarding the debt, including any contracts or signatures. 
* Ensuring that all communication from the debt collection agency adheres to the Fair Debt Collection Practices Act ( FDCPA ). 
I am committed to resolving this matter responsibly, but I need your help in verifying the validity of this debt and the actions of the unidentified collection agency. I look forward to your prompt attention to this issue and request that you keep me informed of any progress made. 
Thank you for your time and assistance in this matter. Your efforts to protect consumers like me are greatly appreciated. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-09-02
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldridge PIte Haan, LLP (FL)

My mother answered the door about a week ago, and the man identified himself as a bounty hunter. He then asked my mom if I reside at the residence, and she replied yes, and he handed her court papers. She asked him again what the badge around his neck was and he said he was a bounty hunter. My mother is XXXX XXXX XXXX and this was extremely scary for her. 

The company on the documents that is suing me is Albridge Pite and Haan. I called their phone number listed and I told them about the bounty Hunter that showed up at my mothers house and she called me a liar. I went onto further. Ask what this was about because it looks like some kind of online loan. All the represented kept saying was do you want to pay the deck today.

My car was broken into over two years ago. I have police reports, identity theft, reports because my identity has been used elsewhere as well. This company used an unethical practice by sending a bounty, hunter bounty Hunter to my mothers, personal residence.

I am attaching a front page of the summons because it has the bounty hunters hand writing on it with his badge number, and time and date. 

I can also get a written witness statement from my mother.
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: TapTap Send Inc. (AZ)

I requested a money transfer on TAPTAP money transfer app on XX/XX/2023 of which the exchange rate was XXXX XXXX to {$1.00}. The transaction message came that the transaction was not fully completed because they need to verify my ID. I call to completed the verification on XX/XX/2023 and the customer service representation ( name withheld ) told me it has been completed and the money deposited in the recipient 's account. But on my end it showed " failed resend '' and I communicated this to the agent who instructed that I should go ahead and click " resend '' which I did but the money deposited was different from the original amount. He then said its because rate have changed which was not the original discussion and he confirmed that the initial rates is what they will honor. I requested that my money be refunded immediate and he explained that he will escalate my concern and request for refund. It has been 2 weeks now that I have not gotten my refund. Each time I call the customer services ( 4 times ) I was they are waiting on the local partner to initiate the refund. The local bank has reverted the transaction on XX/XX/2023 but Taptap kept telling me they has not received the refund from the local bank.
Consumer complaint received 2023-05-23
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. (NY)

I have sent several disputes to XXXX about a charge off / collection account on my credit being reported a past due amount of {$1400.00}. As you are aware a charge off account should not have a past due amount and therefore the credit bureau has failed to properly verify this account. I have requested several times for them to correct this issue and they respond by saying it has been verified and updated. Can XXXX verify who they spoke to in order to verify this debt? Can they provide a signed written contract? it is also reporting every month as charged off which updates the account.
Consumer complaint received 2023-05-23
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 have repeatedly sent letters to this company stating specific US Codes that they were in violation of along with my personal information ( Drivers License, Proof of Address, and Social Security Card ). I have repeatedly requested proof of validity and I did not receive anything back providing validation. This company has repeatedly violated my rights as a consumer.
Consumer complaint received 2023-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

Upon pulling my credit reports in XX/XX/2023, I noticed that there was a collection account listed by the name of National Credit System in the amount of {$1800.00}. I sent a debt validation letter pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA via certified mail per this account does not belong to me. The tracking number for this letter is XXXX. The letter was picked up by an individual on XX/XX/2023. It has been over 60 days I have not received a response regarding my debt validation request. A copy of this debt validation request was also sent to the Federal Trade Commission. Since they have not replied to my request and I can not get anyone at their office to give me an answer, I demand that this erroneous account is deleted from my credit report per it does not belong to me. As stated in my letter, fail to respond to this validation request within 30 days from the date of their receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately per the FCRA. As of today, this has not been completed.
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX, XXXX, A, XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-01-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (TX)

On XX/XX/2022, there was a XXXX fraudulent charge on our XXXX account that we haven't used in over 3 years for {$2900.00}. When I called XXXX 's customer service number to report the fraudulent charge, the representative asked to gain access to our XXXX XXXX. For almost XXXX hours, he gained all my personal information -- SSN, DOB, name, address, IP address, email, etc. He was able to login to our bank, transferred {$7000.00} ( almost the entire balance ) from our savings to checking account. He set up a fraudulent account at Remitly using my personal information to run a credit check and transferred {$1800.00} to an XXXX bank account. The representative asked me to call my bank to authorize the transfer. That's when I realized something was wrong. I checked my bank 's app and saw the {$7000.00} transfer from our savings to checking account, then proceeded to hang up on the XXXX representative. In the meantime, I got over XXXX calls from Remitly asking me to verify the {$1800.00} transfer. I immediately called my bank to put an account take over alert on file with them. I called Remitly XX/XX/XXXX and was told the fund transfer to an XXXX bank was approved, can't be reimbursed, and that the fraudster used my personal information to do so. The representative suspended my account. On XX/XX/2022, I sent an Identity Theft Dispute letter to Remitly requesting that they reimburse me for the fraudulent transfer of {$1800.00}, remove my information from the credit files, and I enclosed a copy of my Identity Theft Report and CFPB 's Notice to Furnishers of Information to cease furnishing the information resulting from identity theft to any credit reporting agencies ( CRAs ). I requested that Remitly send me a letter explaining their findings, actions, and that they will remiburse me for the fraudulent transfer, as well as close my account and report my information to the CRAs. I've never heard back from Remitly, nor have I received any of the fraudulent transferred funds of {$1800.00} either back to my bank account or by check. I'm requesting the CFPB assist me in getting the fraudulent transferred funds back, contact Remitly to close the fraudulent account, and make sure my personal information will not be reported to the CRAs.
Consumer complaint received 2017-05-07
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: EQUIFAX, INC. (GA)

I have applied for a mortgage and there are so many errors on my credit report that need to be addressed. I have not looked at my credit for years so there should n't be anything on it honestly.   I never had an account with  XXXX   XXXX  and so  I don t owe   XXXX    XXXX   XXXX  anything.   I never had an account go past due with   XXXX    XXXX  this is an error or someone did this in my name.   Again I never have activated a  XXXX  account this account is incorrect or opened without my authorization. I dont owe them or  XXXX  anything and they 're on here twice. Please remove these incorrect items off of my report.   I have no idea what this medical collection is and I dont have any outstanding medical bills.    XXXX   XXXX   XXXX   XXXX  is another account i never authorized anyone to open in my name.
Consumer complaint received 2023-05-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : ( Original Creditor : XXXX XXXX XXXX  ) ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. 
XXXX XXXX ACCOUNT NUMBER XXXX XXXX BALANCE {$250.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. 
15 U.S.C, 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DC)

its been over than 30 days and the creditor has not update the information nor has provided proof or documentations in regards a late payments they have not supplied this information and they must delete allege late payment on my credit report. under federal law they had 30 days to complete the investigation and by falling to do so the item must be deleted from the report as as soon as possible.
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX WAY XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX Balance : {$0.00} ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2021-03-11
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: EQUIFAX, INC. (NV)

The XXXX XXXX XXXX tradeline has been removed from my XXXX credit file following disputes but the tradeline still appears on my Equifax and XXXX credit files despite the disputes I've sent to those bureaus as well. The XXXX XXXX XXXX tradeline from XXXX XXXX is for an account that doesn't belong to me. Equifax and XXXX have blatantly ignored my disputes and aren't enforcing the Fair Credit Reporting Act.
Consumer complaint received 2023-09-01
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: ENCORE CAPITAL GROUP INC. (LA)

XX/XX/2023 They said about was over XXXX. The initial I used was about XXXX and numbers don't add up. They rejected what I could offer to pay at the time.
Consumer complaint received 2023-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I enrolled at XXXX XXXX using federal funds and XXXX. I let the XXXX  know that I could no longer start the XXXX. The balance was paid through XXXX XXXX and XXXX  I called the XXXX concerning this several times. There was a balance due after I notified XXXX XXXX of my XXXX  enrollment status. I received a notice from my XXXX loan servicer from XXXX showing the loan was taken out.. I had no agreement with XXXX XXXX XXXX nor have I acknowledged that I owe them anything. However, this collection remains on my credit report. I do not owe XXXX XXXX anything. I do not owe XXXX XXXX XXXX  anything. I do not agree with this debt collector 's actions to put this on my credit report. This also shows up as a XXXX  loan on my credit report. The only notice I continue to receive is a notice saying that I owe a balance. I have disputed this account with the credit bureaus with no course of action. I've submitted and mailed many documents to XXXX, Transunion and XXXX