davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson Cruz & Associates LLC (MN)

I have tryed to call with no avail getting a answering service. 
Im getting the run-around pushing this pushing that button. I'm trying to dispute something on my credit. I have documents and it will not let me upload them, I don't know what to do. 
I don't know what to do otherwise, this company has offered me a settlement and now it shows that they're still charging me a XXXX. I have worked very hard to get my credit back to where I need it, we have took out a second mortgage on our home to pay off all of our debts. Our lender worked very hard for us our find all of our debts. This particular charge was not anywhere to be found at the time which would have been last XXXX, I did not get any papers in the mail as I have lived in XXXX XXXX since XXXX. I have also gotten remarried since XXXX. My name changed from XXXX to XXXX. 
When I did see this debt on there I was totally shocked, that's why I said I had no knowledge of it when I did end up calling a company they told me what it was it was something I had actually co-signed on for somebody several years ago so I had completely forgot about. Had I known I would have taken care of it along with the refinance. 
Also talking to the company they said they had sent something out to my email which I hadn't gotten, she said it may have went to my spam. So I did end up making a settlement with the company and arrangements for payments for XXXX. I did check my spam mail and I found the emails they did offer me a settlements in the emails which was actually less than I settled for when I talk to them. I am now paid off from them but the balance is still showing I owe and derogatory, I would appreciate it if you could please look into this as I have worked very hard to get my credit clean. I also have one for XXXX XXXX  that should not be on there that was paid that they posted and look into it should have came off because that was paid with our home loan and I was wondering if they could please take that off. I'm not sure if I'm emailing this to the right Department but if you could please help me direct it to the right Department I'm going to try to send the document that I have because I'm at a loss I have no clue where to go or how to get help where supposed to go this company is of no help. 
Thank you I would very much appreciate it. 

Nelson Cruz and Associates their reference # XXXX XXXX XXXX  report # XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you XXXX XXXX XXXX XXXX Sent from the all new XXXX XXXX for XXXX
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (CA)

XXXX XXXX  XXXX approved a temporary forbearance for my mortgage loan payments on my property located at XXXX XXXX XXXX XXXX, CA XXXX. The forebearance agreement set my mortgage obligation as {$0.00} beginning on XX/XX/2020 and ending on XX/XX/2020. My payments were to resume on XX/XX/2020. My loan servicer is Nationstar Mortgage LLC d/b/a Mr.Cooper. On XX/XX/2020, I attempted to make my mortgage payment online through Mr. Cooper 's website. The website would not accept my payment because the system was recognizing my payment as being 3 months delinquent, and, therefore, automatically rejected my payment. Therefore, I called Mr. Cooper 's customer service department and informed them of my problem on the website and was told that I needed to contact XXXX and have XXXX contact Mr. Cooper and authorize Mr. Cooper to accept my mortgage payment. On approximately XX/XX/2020 I contacted XXXX. The XXXX representative said there would be authorization for payment acceptance put in the notes which would enable Mr. Cooper to accept my payment. On XX/XX/2020, Mr. Cooper accepted my regularly scheduled payment per XXXX 's direction. In XXXX, Mr. Cooper 's would not accept my regularly scheduled payment ; therefore, on XX/XX/2020, I submitted 3 payments of {$4200.00}. On XX/XX/2020, XXXX  XXXX contacted Mr. Cooper for payment history and was told that I had 3 thirty day late payments. XXXX XXXX, my point of contact at XXXX, told me on XX/XX/2020 that payments deferred due to forebearance are not reported as late payments to the credit bureaus.
Consumer complaint received 2020-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

I have a XXXX condition, starting in XX/XX/2020 my condition progressed. By XX/XX/2020, I was unable to walk and had to shelter in place at my place of business. Also during that time, I had to quartine until I received a Covid-19 test. Because of the nature of my business a child daycare, I am required to be there from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. I had my daughter to drive by on different days just to check my home. She noticed nothing wrong. On XX/XX/XXXX she went there and found that someone had entered my home. they had placed papers inside my windows, door, and throughout the house. The company that left the papers is XXXX XXXX XXXX. They claimed that they had been hired to winterize my home at the request of XXXX XXXX XXXX XXXX XXXX. I contacted my Bankruptcy Attorney, he contacted my mortgage company PHH. They told him that they had not sent anyone into my home. My gate with 2 locks, entrance, and security door a total of 6 locks had been forced and left open. My home had been vandalized. Personal property was stolen and broken. He advised me to contact the police. When I contacted my mortgage company they denied using this company. I was told that they use a company called XXXX for property preservation. I was told that XXXX had preformed a no contact inspection and found my home to be occupied. I did not find out that they had sent XXXX XXXX XXXX out until I requested a break down of outstanding charges. they had no right to enter my home, my mortgage is being paid. I have been calling PHH since this was discovered in XXXX. They are still investigating, they also claimed XXXX was supposed to do a no contact inspection. We have also contacted XXXX who has always claimed that PHH/Ocwen hired them. A person at XXXX named XXXX stated that they were hired to do winterization on my home. She claimed they knocked on my door 3 times, got no answer, and entered my home. She also claimed they had another work order for my home, but would now cancel it. That is impossible no one can reach my entrance and security doors without coming through a 2 lock gate. The locks on my gate were forced open and replaced with 2 old painted locks that were open. My entrance and security door were forced open. They also hung a keyless entry lock on the handle of my security door making it appear to be locked. I don't understand what type of winterization they performed because now my water heater and furnace have water damage and have to be replaced. they were fairly new, even even XXXX years old.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This bank lied to me when I called to report my credit card as lost stolen they said they tagged the charges as fraud and that Im not liable then a month later I get a letter of the claim being denied saying chip was entered I called them they said they filed the wrong Claim as nkt fraud so it was rebilled back to me they said they would fix this they never did I called the back BEVAUSE I got a statement showing a balance of {$850.00} when I had received my ne card and hadnt used it they never took care of the fraud charges and are billing me they said they would fix this mess and adjust my account its not fair they say we arent liable for fraud charges we dont authorize and then they submit the wrong Dispute and admit to me they made a mistake but they wont correct their mistake and I am being billed by their system reversing the adjustments they gave to me this is not fair
Consumer complaint received 2021-08-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (CA)

national credit adjusters sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$1200.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, NATIONAL CREDITOR ADJUSTERS has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXX.attached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Consumer complaint received 2020-12-31
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: Choice Recovery, Inc. (OH)

After looking over my credit reports. I noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with with these companies. This is a notice of dispute pursuant to the FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 623 subsection ( 8 ) ( D ). The following accounts are listed below : CHOICE RECOVERY INC # XXXX
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted XXXX  XXXX several times to please update my information since I have paid the off and they have not. There is old information on my credit that should be removed and it is not removed. This is preventing me from obtaining credit as they are keeping my score in an unfair really low number. It is preventing me from obtaining fair credit.
Consumer complaint received 2023-03-05
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. (GA)

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX -- I do not remember being late on this account because I always pay on time. 

XXXX XXXX XXXX -- I do not remember being late on this account because I always pay on time. 

XXXX XXXX XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX XX/XX/2022 -- - UNAUTHORIZED INQUIRY. PLEASE DELETE! 

XXXX XXXX XXXX XXXX  XX/XX/2022 -- - UNAUTHORIZED INQUIRY. PLEASE DELETE! 


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 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-31
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXXdata breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

We have our primary mortgage with HSBC, which is being service by XXXX XXXX. We have a contract to sell our house, and would like to close soon. I first contacted XXXX XXXX on Friday XX/XX/21 to request a payoff letter. I was told that it would take a few days to prepare, because my loan had been subject to a modification last year with the pandemic crisis. I said fine, no problem. But then 12 days elapsed without receiving a payoff letter, so I finally called again on Wednesday ( XX/XX/21 ) to request the document be expedited. 

After three phone calls on Wednesday requesting the document, I finally received a payoff letter from XXXX XXXX  late Wednesday afternoon. Upon reviewing while I was the phone with one of their representatives, I informed XXXX XXXX  that I objected to two amounts listed on the payoff letter : the Recoverable Balance of {$4900.00}, and the Property Inspection Fee of {$130.00}, for a total objection of {$5100.00}. 

I was told that somebody would call me back on Thursday ( XXXXXX/XX/21 ) to discuss, which never happened. I finally called Thursday afternoon hoping to speak with a supervisor at XXXX XXXX, and was told that I have to send an e-mail to XXXX, which I did. Quite frankly, it appears this was a continued effort by XXXX XXXX to run out the clock ( before the closing on the sale of my house ), without addressing my concerns. 

Last XXXX, when I was told our loan modification was approved ( again, due to the covid pandemic ), it was my understanding that all past fees and expenses were to be waived, which would have included the amount of the Recoverable Balance. I never once previously agreed with this charge, but did not press the issue further, since it was supposed to be waived. Please note HSBC has never documented or supported these charges, but thats really irrelevant at this stage, since all the fees and expenses were to be waived last year. 

The Property Inspection Fee first appeared on my HSBC XX/XX/21 statement, for no apparent reason ( since every scheduled monthly payment since my loan modification was activated has been on time ), and despite my repeated efforts to bring this to XXXX XXXX  attention earlier this year, this charge was never removed. 

Given HSBC ( i.e. XXXX XXXX  XXXX will not address or fix this problem, Im now asking the CFPB to help me get this straightened out. The combined charges of {$5100.00} represent a lot of money which I believe are being erroneously assessed and I feel bullied by such a large institution. I need your help. Thanks.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

I have US Bank Reliacard Debit Card XXXX provided by PA Unemployment Compensation Program. When I checked the balance on XX/XX/2020, I found fraudulent transactions for the transactions {$1500.00} and {$200.00} on XX/XX/2020 and {$1500.00} on XX/XX/2020. I have not done. Informed the US Bank about the issue. Also filed complaint with local law enforcement. US Bank arbitrarily determined those are undisputable transaction and closed the complaint. Further, despite providing my selfie and government issued ID, I am unable to activate or use my new debit card issued after the dispute was filed. My online access was also compromised by identity thieve who used similar email account. US Bank Reliacard Debit Card service closed the fraudulent transaction case and did not provide the information and reasons and documentations in order for the customer to follow up law enforcement and attorneys. Further US Bank Reliacard Service thwarted activation and access to online account. Request herewith CFPB assistance to secure card activation, account access and recovery of lost funds.
Consumer complaint received 2023-03-06
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. (NV)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (WA)

In accordance with the cardmember agreement for my brand new Blue Cash preferred card account, I mailed an arbitration rejection notice to American Express. The cardmember agreement recommends using an AmEx-provided sample opt out notice form available at https : //americanexpress.com/reject, which I did. 

The AmEx provided rejection notice says to mail the form to a different address than is listed in the cardmember agreement. The address on the provided form is only different by one digit in the zip code. I discovered this the hard way because I followed the instructions on the AmEx-provided sample rejection notice, and my rejection notice mail was returned to me by USPS. 

I send rejection notices via USPS Certified Mail with electronic return receipt, as most companies that accept these types of notices do not provide written confirmation of receipt. As I mailed my notice to the address on the AmEx-provided form, I spent {$5.00} in postage for this attempt. 

AmEx must do the following : 1 ) Reimburse me my {$5.00} in postage which was wasted at their provided instructions 2 ) Reimburse me for the time I now have to spend at the post office buying postage for a second attempt 3 ) Correct the address listed on their provided form at https : //americanexpress.com/reject 4 ) Notify all existing AmEx customers of the mistake and provide all customers with a new opportunity to opt out of arbitration. Existing customers that attempted to opt out via first class mail using the incorrect address on the AmEx-provided form may not have been able to opt out properly using a second attempt. AmEx needs to provide their customers with the ability to retain their legal rights which may have been unfairly limited due to AmEx 's error.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

last month I applied for a secured credit card at a bank, then representative told me after pulling my report shows I have SSN, but I am NRA, I only have ITIN, there is no SSN at all.
Consumer complaint received 2021-08-27
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: Experian Information Solutions Inc. (CO)

I sent documentation via Certified mail to EXPERIAN on XXXX disputing an inaccurate account listed on my credit file. Experian received the dispute documentation on XXXX. I also submitted a complaint to the CFPB on XXXX and on XXXX EXPERIAN closed the complaint stating the company needs my authorization to respond. I contacted EXPERIAN today XXXX and was told by the dispute department that the reason why the complaint was closed was because EXPERIAN does not recognize the CFPB, and that the complaint has to be placed directly with EXPERIAN to be valid because that is EXPERIAN 'S procedure. EXPERIAN has constantly provided me with false and inaccurate information.
Consumer complaint received 2020-12-31
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.