davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

My husband who is a 100 % combat related XXXX veteran died on XX/XX/XXXX. Our home mortgage is in his name. I as the surviving spouse reported his death to Mr. Cooper mortgage company. With Covid effecting so many people I was offered forbearance for a year. I graciously took this. At the end of the year, I was told that I had forbearance till the end of XXXX, XXXX. I would be given the opportunity to renegotiate the mortgage terms as of XXXX, XXXX. 

I have contacted Mr. Cooper on numerous occasions to get this process accomplished. Every time I am told that I did not send them complete information. For example, Mr. Cooper wanted verification of XXXX Retirement. They said they would accept either a letter from XXXX or 2 months of bank statements with the XXXX Retirement credited to my account. I gave them 2 months of bank statements. And I highlighted the deposits on each month to make it easy to identify. Six weeks after I submit these statements, I get a call from Mr. Cooper stating that they will NOT accept those bank statements and that they want the XXXX letter for the years of XXXX, XXXX, XXXX and XXXX. I immediately requested this information from XXXX but will have to wait for my request to be processed and sent to me via postal mail, before scanning and submitting to Mr. Cooper. XXXX has yet to supply me with the letters of monies sent as of XX/XX/XXXX. 

Today, XX/XX/XXXX, Mr. Cooper called and stated that they wont accept the bank statements that I sent in from the XXXX XXXX website because it did not have my deceased husbands name on it. I told them that I notified the XXXX XXXX immediately upon his death and that the account was put into my name solely. I went directly to the XXXX XXXX to ask them to print out the statements with the XXXX logo and my name and account number on it. 

It is now the end of XX/XX/XXXX. I am constantly getting more and more requests for Mr. Cooper and each time it is delaying the restructuring of this mortgage. I wanted to get this done in XXXX, XXXX before the interest rate rose so that I could get a lower mortgage payment. 

I feel that this mortgage company is deliberately stalling the restructuring of this mortgage so that the interest rate will be higher and my payments would be increased. This is no way to treat the widow of a career XXXX veteran that became XXXX due to his time in service. 

I would like the loan modification to be done at the interest rates as of early XXXX, XXXX with a reduced loan payments.
Consumer complaint received 2022-06-01
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX  XXXX Funding account XXXX XXXX XXXX dealer services account number XXXX All have violated my rights. 
1

5 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
Consumer complaint received 2022-12-19
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. (PA)

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 1681. 

XXXX XXXXXXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Reviewed most recent credit report from Experian and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have any records of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA, I was met with push-back even though I expressed the inquiries in question did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (FL)

1. ) Credit Reporting 2. ) The way the Car Loan company handled this 3. ) The vehicle financed was totaled. The insurance company didn't pay it all off so I paid what I could on it except for {$500.00}. the finance site said I didn't need to make a payment until XX/XX/XXXX. I knew I could pay something every pay check and then I was getting a lump sum payment at the end of the XX/XX/XXXX/beginning of XX/XX/XXXX and would be able to pay it off. The company called me and I explained the situation to them and that I would make a payment every pay check but could not do more that {$20.00}. I told them I would pay it off at the end of XXXX or the beginning off XXXX. As promised, I went onto my account to pay it off ( XX/XX/XXXX ) and could not get in. I called them and they told me it had been sent to collections. I had not missed a payment the whole time and I always paid on time. I resent the fact that the little guy who is honest always " gets it '' while real criminals get away with everything. My credit score dropped quite a bit. I worked hard to keep my credit score good and now there is a " write off '' account showing on it. This was jus unethical what they did. I did what I said I would do. Since the payment was made AS I PROMISED I feel they should have not sent this to collections. I need this to be made right. Had another agency look into this and when they did I received paperwork from World Omni saying they are not responsible for how things are reported on credit. You know that is not true as they would of had to tell the credit bureau it was a right off for the credit bureau to have been able to put that kind of information on your credit report. It has also affected my son 's credit we were trying to build as I co-signed this for him. I wish I could be more specific but I spent 4 months without a vehicle and 4 months fighting an insurance company to pay - at that point I was very, very frustrated.
Consumer complaint received 2019-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I make deposit with my bank and it on hold for10 business days. Spoke with Manager of Customer Service XXXX XXXX out of XXXX PA. Very abrasive and do not want listen any think ask about his boss, he give no name saying he will call you back in 3 Business days.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Advanced Resolution Services Inc. (CA)

Hello CFPB, Attention Advanced Resolution Services ( ARS ) representative, XXXX XXXX, Consumer Office XXXX Please reference the previous CFPB complaint number : XXXX Please instruct the company to open the attached PDF. It includes all identifying documents needed to correct the problem I'm experiencing. 

=== OPEN THE PDF NOW PLEASE === The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over XXXX Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXX Live XXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Consumer complaint received 2022-04-15
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. (FL)

Account # : XXXX XXXX XXXX XXXX XXXX This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave capital one any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2022-04-15
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. (IL)

I have tried to fix this situation for more than a year and experian is still reporting inaccurate information according to the fcra if the information across all 3 bureaus need to match and be accurate or must be deleted promptly. It is still not accurate.this is so frustrating. 15 U.S. Code 1681n States a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I have proof of more than 10 violations that I have sent with previous attempts to resolve this. They have had so much time to delete XXXX well over a year and rectify the situation if this is not resolved promptly I will be taking to litigation
Consumer complaint received 2022-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (MN)

I am still having an issue of opening a checking, savings, and credit card account with PNC Bank. PNC Bank wont open up any accounts for me due to me having a current XXXX on my XXXX XXXX, XXXX, and XXXX credit report. PNC Bank is discriminating against me based on my race and recent XXXX on my credit reports by refusing to open any accounts for me. PNC Bank is in complete violation of the Equal Credit Opportunity Act ( XXXX ) under federal law. I want PNC Bank to approve and open up a checking, savings, and credit card account online for me.
Consumer complaint received 2019-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

on XX/XX/19, I deposited a paycheck for {$4900.00} into my Wells Fargo checking account. The check cleared on XX/XX/19. On XX/XX/19, my account had a negative balance for the amount of the check due to returned deposited check and after being on hold for hours I still dont know why this happened. I feel violated. How can a check clear and then be uncleared three months later?
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Accounts, Inc. (ND)

I have contacted United Accounts Inc on several occasions to delete a account # XXXX that was an incorrect account. The original creditor ( XXXX ) also called them and confirmed this should be deleted immediately as it was an incorrect account. United Accounts is claiming they submitted the request for the account to be deleted on XX/XX/2019. I have talked with XXXX on several occasions and they stated that they only thing they have done is confirm the amount owed. United Accounts refused to send an update until the end of the month again. They told me I would have to wait until XXXX and see if it comes off. This should not happen at all, when it was requested by XXXX it should have been immediately deleted! They are now only restating the already talked about situation and refuse to do the right thing. I have contacted all the credit bureaus and none of them have this request at all, they said if it was submitted they would have received it immediately and it would be deleted almost immediate.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I recently obtained a copy of my consumer report and I have found that there are violations contained in that report. There transactions being reported as late on some accounts. This is not allowed by law. More specifically the following section of the law states that 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I explain these things more in depth in a statement that I will attach to this complaint.
Consumer complaint received 2022-04-15
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. (MD)

Hello I am seeking assistance Im removal inaccurate information listed on each credit agency This may be result of theft that include to my wallet that was stolen around XXXX XX/XX/2021. These debtor accounts are new I have never done any business with this company nor do I have any debtors of these creditor or address listed on Transunion, XXXX and XXXX credit agencies reporting new accounts open in 2021 .Creditors XXXX XXXX XXXXXXXX credit card and other personal loan is fraudulent accounts XXXX XXXX XXXX also multiple named XXXX, XXXX and XXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX MD XXXX -All fraudulent personal information added to my credit reports. Any or all data input regarding this address is not valid and without my knowledge or consent. Thank you
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc. (VA)

I have gone on a 3 way phone call with XXXX, myself and Amsher Collections and Amsher Collectors refuses to remove the collection efforts and XXXX has informed Amsher Collections that I am current. I have called Amsher Collections numerous times before the 3 way phone to let them know I was current but as of XX/XX/XXXX, they are still reporting to my credit reports that I owe them {$300.00} for a prior XXXX bill which in inaccurate as like I have said, I am current with XXXX and have been making monthly payments since XX/XX/XXXX. Amsher Collections has indicated that they have sent messages to XXXX with no reply from XXXX. This is no longer my problem and Amsher Collections should honor the 3 way phone call between myself, them and XXXX. I have also reported Amsher Collections to the XXXX. I have also screenshoted you a photo of my current XXXX bill.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

On XX/XX/XXXX I sent my first request of my report and requested a Security Freeze to SageStream , LLC, by Certify mail # XXXX XXXX XXXX XXXX XXXX. SageStream , LLC didn't respond, taking the holidays under consideration the fact that I didn't received a response I send them a 2nd request on XX/XX/2020 by certify mail XXXX XXXX XXXX XXXX XXXX, request that was also ignored, then I proceed to make a few phone calls and left several massages in regards to my request until this day no response have been received nor the report and or a freeze on my account have occur. The dates that I called and left mssgs were XX/XX/2020 - XX/XX/2020.
Consumer complaint received 2022-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/2022 I sent Midland Credit XXXX a letter advising them that I had recently viewed my consumer report and noticed that they were reporting false, inaccurate, and invalidated accounts to my consumer report. In my letter, I requested proper validation made pursuant to 15 USC 1692 ( g ) sec 809 ( b ) of the FDCPA. I respectfully requested that Midland Credit provide me with competent evidence and any of Midlands contracts agreements that states that I have any legal obligations to pay them for the alleged debt, as I know that this company purchase debt and attempt to collect it illegitimately. I have not now, nor have I ever done business with Midland Credit. These false, inaccurate, and invalidated accounts have been reporting to my consumer report for some time, and is still being reported. It seems that Midland Credit is refusing to properly validate the debt and/or to remove it willfully, which is noncompliance with the FCRA laws. In Midlands Credit efforts to collect on the alleged debt, there was a violation of 15 USC 1692 808 prohibiting a debt collector from using unfair and unconscionable means to collect a debt. Midland Credit violated the statute 1692 ( f ) 8 by using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mail or by telegram. Midland Credit sent XXXX different letters addressed to me in this manner. Unfortunately for me all XXXX letters ended up in my neighbors mailbox. All XXXX letters had the MCM symbol/logo on the front of the envelope. Its embarrassing to have your neighbors bring you your mail and states your bills was put in my mailbox. Thats defamation of character and so much more. I have attached proof of the violation. I also sent Midland Credit proof of the violation, but they have yet to do whats right. As a result of the violation of this statute, Midland Credit is liable to me actual or statutory damages and up to {$1000.00} in punitive damages per violation, which totals {$4000.00} in damages being that there was XXXX violation. I demand Midland Credit pay me what is owed to me according to the law. Im making every effort to resolve this issue out of court. Im willing to settle this matter with admitted liability and compensation of {$1000.00} for each of the violations. I expect compensation within XXXX XXXX of receiving this notice and Midland Credit will not have to pay attorney fees, or we can contact my consumer lawyer about this situation and under the FCRA Midland Credit will pay them as we are giving this company XXXX last opportunity to correct this situation.
Consumer complaint received 2020-10-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc (IA)

I already asked this company to show cause or to remove themselves from my credit report. The agent on phone threatened my fiancee into almost paying a debt that I am not sure we owe. They will not answer questions or show proof that I owe debt.the agent told my fiancee that she would never be able to rent or get a vehicle while this is on the credit report.shady