davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (FL)

Well they call me saying I got a phone from XXXX. I never had a account with XXXX I had a account with XXXX for almost 20 years. So I told them that but they keep harassing me by phone and letters.
Consumer complaint received 2019-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

My Mortgage Company is PHH. They recently purchased the servicing of my loan from Ocwen. I  made a payment on XX/XX/19 which was applied entirely to principal, despite the fact that payment was due for XX/XX/19. I have sent them 3 emails and made one phone call. They told me it would take 7-10 business days to correct, we are well past that time frame. I used to pay ahead of my due date with Ocwen and they always appropriately applied it to the next payment due. I should now be due for XX/XX/19, but it shows XX/XX/19.
Consumer complaint received 2022-04-12
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: WELLS FARGO & COMPANY (TN)

Well Fargo has for nearly XXXX years inaccurately reported a secured credit card account on my credit file. I opened the account in XXXX of XXXX ; making all payments on time and never carrying a balance for XXXX months. At Wells Fargo 's behest, they closed my secured card account, deducted {$180.00} from the ( {$300.00} ) security deposit and applied it to my final ( XX/XX/XXXX ) bill and refunded me the balance of {$110.00} in XXXX of XXXX. However, Wells Fargo is reporting this account as a charge-off WHICH IS NOT ACCURATE and is a violation of SECTION XXXX OF THE FAIR CREDIT REPORTING ACT ( FRCA ). I have contacted Wells Fargo by mail and by phone for nearly a year. I have disputed this account with XXXX, XXXX and XXXX at least XXXX times while Wells Fargo CONTINUES to report inaccurate info to them!! Wells Fargo has flat out REFUSED to accurately report or delete this account. This is my VERY LAST ATTEMPT AND REQUEST FOR DELETION!! I WILL BE TAKING LEGAL ACTION GOING FORWARD!!
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Business and Consumer Solutions. (FL)

This company calls me daily everyday, several times a day. They have called and harassed my employer as well as family and friends. I've asked them to stop with the phone calls and send communications through mail only. They have refused to do so and continue to harass me. I would like it to stop immediately. No more phone calls!
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

This company, Credit Collection Services ( CCS ), is constant harassing my person true phone calls and text msg trying to collect a sum of money or debt I do not own them or any other company .... 

FROM NOW ON ANY COMUNICATION TO MY PERSON FROM PART OF THIS COMPANY NEED TO BE DONE VIA MAILING LETTERS TO MY ADRESS AND OR THE CFPB WEBSITE. 

I never had or have any business with Credit Collection Services ( CCS ) and there over I do not own them any sum of money... 

Credit Collection Services ( CCS ) is using my Name and last Name with out my consent, Credit Collection Services ( CCS ) is using my Social Security Number and my phone number with out my permission.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I applied for credit with XXXX XXXX XXXX  and they ran my credit thru Experian. This is a copy of why I was declined. None of this is true Experian is reporting false information to creditors.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (ID)

hello- i have spent many hrs on this matter with paypal accnt # ending XXXX asking them to stop harassing me for payment due when there is not any based on my balance statement and the ups return of merchandise back XX/XX/23 to seller 'XXXX XXXX '. confirming tracking # is XXXX. attached along with billing statement, emails, and text messages asking for payment with possible late fees and collection action. this tactic of theirs in order to collect additional payments is extortion and needs to stop. my continued requests to them have been of no use even though their management has said all cases closed. 
plse. look into this matter asap, other unsuspecting customers could also be affected. 
thank you. 
XXXX.
Consumer complaint received 2022-04-12
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. (FL)

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX NA Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (MA)

This is Identity theft. The XXXX  XXXX XXXX XXXX Milestone through Genesis FS card Services. I did not applied for this card. I did not make these charges of {$810.00} Someone has my information and used it to open this account. Please close this account. 
Lenders info Genesis, The XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX I have reported this credit card to The Federal Trade Commission on XXXX XXXX
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

On, XX/XX/2021 I started disputing A ambulance bill that was reported on my credit file. I have never road in a ambulance. They have hospital bill on my credit that should not be there. I want to see the original documents of these incorrect accounts on my credit file. I have asked for these documents since XXXX. I have not received.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  an unauthorized inquire.. 

XXXX XXXX XXXX XXXX XXXX  an unauthorized inquire.. 

XXXX - XXXX an unauthorized inquire.. 


In accordance with the Fair Reporting Act...

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FORD MOTOR CREDIT CO. (NY)

I hope this letter finds you well. I am writing to formally dispute the accuracy of the late payment information that is currently present on my credit report. I have thoroughly reviewed my credit report and identified discrepancies related to late payments that I believe are inaccurately reported. I kindly request your immediate attention to this matter in order to rectify the inaccuracies on my credit report. 
FORD MOTOR CREDIT COMP XXXX I am aware of the importance of an accurate credit report and understand the impact it has on my overall creditworthiness. After careful review of my payment history with the aforementioned creditor, I have identified that the reported late payments are not reflective of my actual payment history. 
I am kindly requesting the removal or correction of the inaccurately reported late payments on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I request that you conduct a thorough investigation into this matter and, if necessary, contact the creditor to verify the accuracy of the reported information. 
I kindly ask that you investigate and resolve this dispute as soon as possible, preferably within the 30-day timeframe mandated by the FCRA. Your prompt attention to this matter is crucial to ensuring the accuracy of my credit report.
Consumer complaint received 2023-06-29
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: ENCORE CAPITAL GROUP INC. (FL)

I ask to have my account verified and they did they stated everything was accurate which it wasnt after doing my own thorough research myself and found several inaccurate information on my report which they claimed was verified and obviously did not, my account reflects that this account was open in XX/XX/XXXX which is incorrect This account was open, XX/XX/XXXX which giving me a unfair chance on path to better credit and if this doesn't get resolved by being remove from my report ill be forced to take this to court In accordance with the Fair Credit Reporting act. The Listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Midland Credit Management Account # 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 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 2022-04-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TN)

I called GM Financial again. After i requested to speak to XXXX or a XXXX the XXXX and i got into an argument and began talking over each other. She told me when I can act like an grown woman I can call back and she hung up after i waited XXXX minutes to get to her. I am calling back and have been on hold again for XXXX minutes. 

She seems to feel she can take any tone or making any comments to me that she wants and then hang up. I am already being screwed over by GM Financial, there's no need to disrespect me also
Consumer complaint received 2018-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Management Recovery Corp. (NMRC) (OR)

I have gotten several calls from particular number with automated voicemail. Call back and it has voice message of XXXX XXXX and someone else everytime. Couldn't find any info when looking up number. Just got call from a new number and voicemail was left from XXXX XXXX saying to call back. Looked this new number up and people said it was from law offices of XXXX XXXX or National Management Recovery Corp as both have same address. I check mail everyday and I have NOT received anything in mail from either place as far as I'm aware so have no idea what it's for. I'm pretty sure that is required for people collecting debt is to send written letters in mail stating what the debt is, how much etc. The number they call is my only number but I don't answer calls that I don't know or don't know what they are for and in this case after finding out who they are I'm not going to answer and talk to someone about supposedly a debt that I have no written proof they have and have no idea what it is for. Have called several different times now. Don't want them to start calling other people that I don't live with.
Consumer complaint received 2022-04-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

Carrington Mortgage services llc, XXXX, CA XXXX did take negative, uncalled for actions on my property XXXX XXXX XXXX XXXXXXXX, VA XXXX which I sold on XXXX XXXX, XXXX. I did complain about their lousy actions and asked for appropriate restitutions. They denied my request vide their letter dated XX/XX/XXXX. 

Justice be done to me by overruling their actions of cutting off electricity, water and gas connections and placing a lock box on my house on the morning of XX/XX/XXXX. It is a fact that I was behind on the mortgage by two months and they were informed of all development in the case right from the time the property was listed for sale in XX/XX/XXXX. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Louisiana Recovery Services Inc. (TX)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I contacted the company and asked them to remove the collection from my credit report due to the 7 year legal limit on debt collection in my state. The account has missing information ; including the account status showing as neither open nor closed. This debt should no longer appear on my credit report, creditor refused to remove it.
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (IA)

On XX/XX/2022 I was offered a job that turned out to be a scam. The company I was supposed to be working with was XXXX XXXX. They sent me a check on XX/XX/2022, and advised me to use mobile deposit to deposit this check into my account. I was then supposed to use those funds to order equipment for the job. I called my bank, Wells Fargo, and notified them of this, and questioned whether or not I should be concerned. The banker advised the check was going through, and no concerns they can think of. On XX/XX/2022, the funds were in my account, and XXXX advised to send the first payment via XXXX. I did this, and then they requested more payments be sent. With this, more and more issues came about and the payments wouldnt complete, but XXXX rushed me to get the funds sent and suggested a wire transfer. i spoke with the bank again and advised what was happening and still did not get any additional direction. I sent the wire but advised the company it was under duress and was very skeptical. After the wire transfer completed, XXXX sent me another check stating I need to order more funds. I pushed back as much as possible, but ultimately ended up depositing the second check, but advised funds would not be sent without more information. I called the bank directly after and was told that this was indeed a scam, and that unfortunately I will be responsible for the funds sent. I dont understand how this is a case, and now I am negative over {$2000.00} in my account. I would simply ask to be ace whole as I made every attempt to discuss with the bank during this process to avoid any negative repercussions on myself. Again did not spend these funds, but sent as directed. I know that certain financial precautions are in place ad would like this reviewed. Thank you
Consumer complaint received 2022-04-12
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. (TX)

FRCA Violation credit card late payment XXXX FRCA Violation auto loans late payment XXXX XXXX XXXX FRCA Violation student loan late payment XXXX XXXX XXXX FRCA Violation inquiries XXXX XXXX XXXX XXXXXXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-04-12
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. (TX)

FRCA Violation credit card late payment XXXX FRCA Violation auto loans late payment XXXX XXXX XXXX FRCA Violation student loan late payment XXXX XXXX XXXX FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-06-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. ()

I went into Covid Forebearance with another company XXXX during the pandemic. I started my loan modification to get off of forebearance in XX/XX/XXXX. XXXX had completed my application and sold my loan simultaneously in XX/XX/XXXX. 

They sold my loan to Mr. Cooper also known as Nationstar Mortgage. I was told they would honor my previous completed loan modification with XXXX, they reneged on that. Then I was told I would need to complete a loan modification with them instead. I submitted all required documents in XXXX XXXX then over the course of 7 months I had to submit over 100 documents to Mr. Cooper ; many of the documents were repeats of the same documents I had already submitted. Mr. Cooper was so disorganized that they were not able to sort through the documents already given to them. They constantly took so long that my bank statements would go over their 60 day due dates. 

I have been unable to make a normal payment on my loan throughout the entire loan modification process, I have been unable to complete the loan modification due to Mr. Coopers ineptness. In XXXX XXXX  my loan was marked as delinquent and my credit score dropped XXXX points, even though I have requested and complied with every requirement to get off COVID forebearance for 16 months. I have asked several times to escalate my loan modification to get the process moving. 

I am blocked from making a payment to them and I am stonewalled from completing my forebearance loan modification for over a year. 

Now my credit has been decreased by XXXX points because Mr. Cooper has been unable to complete a loan modification over the course of 7 months despite hundreds of calls and hundreds of submitted documents. 

I am blocked from paying by Mr. Cooper while in a loan modification status while simultaneously are being punished for not paying on my credit score.
Consumer complaint received 2017-08-27
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: AMERICAN EXPRESS COMPANY (FL)

I have the personal amex gold card which advertise airline fee refunds up to {$100.00}. I booked a flight and had to pay a separate {$75.00} for last minute booking and amex said this fee did not qualify for reimbursement. i called and opened up a case and was told it would be 4-6 weeks to investigate and i never heard anything back. 


The charge was {$75.00} onXX/XX/XXXX.
Consumer complaint received 2018-12-21
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. (GA)

I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on My two XXXX XXXX XXXX  accounts, and XXXX XXXX XXXX,