davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-12
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MN)

I was taking care of my grandpa, and I was paying on the mortgage with XXXX XXXX, well the last 3 months I had to stay with him, as he was XXXX, he then XXXX, and then XXXX XXXX switch the mortgage to XXXX, they sent a statement out and I contacted XXXX  to let them know I was the one paying on the mortgage, so I asked them what amount and such can I pay, they said they won't take my payments, so I let it go for a week or 3, and I contacted them again ask said I need to pay, they still said they won't take the payments, so not knowing what to do or what they would do I left it alone for XXXX XXXXt, then they send a foreclosure papers, well then I searched for an attorney, I found one but all he did is take my money and did nothing, so I had finally found another, and that didn't work out as they were agreeing to things without asking me or talking to me about it and I've already filed against attorney now it's your turn I offered to pay and in my grandpa 's will said he wanted me to continue living on the property of XXXX XXXX XXXX XXXX XXXX XXXX both XXXX and attorney said I have no rights, I trusted and trusting gets me out of XXXX XXXX now I have less then two weeks before I'm homeless and a XXXX dollars isn't enough to get me new pkace and I talked to attorney general and another person and they said mortgage companies don't care where the money comes from as long as they get there money both XXXX and attorney screwed me royally so I'm suing XXXX   because it should have not gone this way they never even asked me how much I was going to pay or anything but now that it was in foreclosure and it's XXXX XXXX now I can pay what's that's that's wrong and they sold the house before the reception period was up so I will see them in court
Consumer complaint received 2019-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

As a parent, I owe approximately {$52.00}, XXXX on a parent loan I took out for my daughter .Each month - well before the due date - I have consistently paid {$100.00} over the XXXX balance and interest due and each month I have instructed Sallie Mae and now Navient as the successor-in-interest- in writing to apply the additional {$100.00} to pay down the principal. Navient has consistently ignored my written instructions and applied the additional {$100.00} either to to the next month 's payment, or to interest rather than principa, l thus illegally exacting additional interest on the existing principal due. In addition, Navient has regularly sent me notices purporting to inform me that my payments are late, notwithstanding my bank statements that show the date of receipt and deposit well before the due date and despite my having sent the check with instructions through the U.S. Mail. ( I believe that Navient is trying to force me and other consumers to remit payment on line rather than by mail to reduce its overhead ) Representatives of Navient have been utterly non-responsive to my complaints and denied the applicability of the mail box rule. The evidence suggests that Navient 's conduct -multiplied my millions of similarly-situated individuals such as me - is engaged in consumer fraud on a massive scale.
Consumer complaint received 2022-11-06
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: EQUIFAX, INC. (TX)

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

XXXX XXXX : # XXXX. 
XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX XXXX XXXX  : # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2019-04-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Turning Point Solutions LLC (RI)

On XX/XX/19, XXXX XXXX of XXXX XXXX XXXX ( XXXX-XXXXXXXX-XXXX ) left a message for my sister-in-law and said it was about me and it was about a debt collection. I called him back and told him that it is against the law to talk to any 3rd party about a debt. He refused to tell me what company he was collecting the debt for without me giving the last 4 digits of my social security number which I refused to do. Extremely rude and belligerent person. No sooner did I hang up that I received another call, this time from a local number, same company but a female. She told me what company was collecting the debt and I told her I had already disputed the debt with the company and that I had never received, nor used the card in question.
Consumer complaint received 2022-11-06
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: EQUIFAX, INC. (IL)

15 U.S 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S 1692 Without the prior consent of the consumer report given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (SC)

I have Dispute XXXX ( ERC Collection ), XXXX Credit Card, XXXX XXXX XXXX. In XXXX 2018-present with the 3 major credit bureaus, asking them to validate the following debt, under the fair credit report act, over three times. Being that this information is not valid. I have also set letters of Validation not vertication to each collection agency, there has been no response or just a copy of bill, that is not proof that These collections are valid.
Consumer complaint received 2019-04-12
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. (VA)

I am a paying member and the score on site is not the score given to lenders who request you credit report the score given is much lower than what s posted I am paying member XXXX for three reporting agencys
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (FL)

I am a victim of the government shutdown and can not afford to make payments at this time. The company insists on a payment and continues to call. I need to defer payments for at least nine months.
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

Your questions do not apply! XX/XX/XXXX last year I had a fire at my home, in XXXX XXXX, at XXXX XXXX. While in the XXXX, XXXX XXXX sent a group of XXXXXXXX XXXX, off XXXX XXXX XXXX, XXXX XXXX. This company did not have employees and contacted XXXX XXXX XXXX XXXXXXXX. They had No employees, so they picked a band of XXXX unsupervised XXXX, not bonded, and they destroyed my home. 

The water from the fire department was left to warp all the wood floors and created mold. 
XXXX XXXX sent the checks to repair the home. Shellpoint is a wantabe Bank/Collection company. The mortgage was with XXXX and XXXX sold the mortgage. My friend at XXXX XXXX stated it is illegal to with hold money for their own self centered reasons. 

Shellpoint told my son ; 'We are waiting for your Dad to not pay us. We will resell the house and keep your Dad 's {$33000.00} for repairs. ' I have a XXXX XXXXXXXX. I have Nowhere to live and a home I can not repair or live in. I have sent Attorney General XXXX XXXX information on this. Retained Attorney XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX is next. Open for ideas with these manipulating XXXX. They told my son, they want ME to pay off the loan and them what with the repairs? 
Contact me at ( XXXX ) XXXX text first/call, E-mail to XXXX, XXXX XXXX XXXX attorney at law, this hotel on XXXX XXXX XXXX XXXX XXXX XXXX. Good Luck working with thieves! 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX. I am a US Citizen and a resident of the state of Texas. I was advised by my local police department to send out this letter and to include specific fraudulent information appearing in my credit file. Please note that this information is inaccurate and appears on my credit file as a result of identity theft. The following information listed below is fraudulent and doesnt reflect any transactions made by me : Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX   XXXX / XXXX / XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX / XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX. XXXX / XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX # # XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Please delete and block this information from my credit report pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. With this letter, I have enclosed a copy of my credit report received from your company, a copy of my identity theft report, proof of identity, a utility bill, a police report and other additional documents to support my claim. 

Thanks for your understanding XXXX XXXX XXXX
Consumer complaint received 2022-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Ive mailed out letters to this company and they have not responded to any of my letters. They are reporting that I owe a debt which is not mine and causing my credit score to decrease. This is my final request for them to contact all 3 bureaus to have this account removed from my report before I seek counsel and I will be seeking damages as well
Consumer complaint received 2019-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

I had a loan that was previously owned by XXXX but was purchased by Well Fargo earlier this year. In my original loan, all balances including escrow were current and there were no deficits at time of transfer to Wells Fargo. Wells Fargo has a policy to contain a higher escrow reserve than what the previous company required. As a result, I am being required to pay more in escrow to accommodate the policy. It appears to me that Wells Fargo is essentially modifying the original loan terms without my consent I would like to file a formal complaint
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-04-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ENOVA INTERNATIONAL, INC. (MI)

I applied for the loan for the 1st time on XX/XX/2019 for an emergency dental appointment. I applied online for {$100.00}.

On XX/XX/19, there was a message saying that I need to provide more information. I signed the application for the second time. Still on hold.

This morning I logged into my account and it is still processing. 
I had successfully repaid my loan last week without difficulty.
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TN)

On XX/XX/XXXX, Convergent Outsourcing , Inc. a collection company, began to report a collection account to my XXXX and my XXXX reports, claiming to have a debt that belonged to me from XXXX for a cable bill in the amount of {$560.00} that I allegedly owed from XX/XX/XXXX. On XX/XX/XXXX, I sent a letter to Convergent Outsourcing , Inc., asking them for proof of the debt and asking for the proper documentation that actually validates the debt. In response, they only sent an itemized list of charges, but they did not give me a signed contract or any other documentation that properly validates the date. On XX/XX/XXXX, I sent another letter to Convergent Outsourcing , Inc., again  asking for proper proof and validation of the debt that they said that I owed. I also asked that they remove the debt from any of my credit reports ( namely XXXX and XXXX ). Again, they sent the exact same letter with the same information as the 1st letter. I also disputed this information with XXXX and XXXX during XX/XX/XXXX through XX/XX/XXXX, and both credit bureaus reported the collection account with Convergent Outsourcing , Inc. as verified, but I was never given information about how the debt was verified from either Convergent Outsourcing, Inc. or from either bureau, even though I asked. During XX/XX/XXXX, I also sent a letter to Convergent Outsourcing in which I offered to make a lump sum payment of a specific amount ( without acknowledging that the debt belonged to me ), if in return, this information would immediately be deleted from my reports, However, they have not responded to me at this time, and I am no longer willing to consider paying anything to Convergent. I am asking is that Convergent Outsourcing either properly verifies the debt or immediately remove this information from my credit reports. A copy of the response letter that was sent to me from Convergent Outsourcing will be attached. A copy of the last two response letters that were sent to me from both XXXX and XXXX will be attached.
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-01-24
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: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

To Whom it may concern i have since correspondence to this innaccurate account on my credit report and the the collection agency has yet to respond with the proper documentation requested. I sent my first request XX/XX/2022 and have yet to get this resolved. The alleged amount owed is XXXX
Consumer complaint received 2020-08-03
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 — Problem with personal statement of dispute
Company: PENTAGON FEDERAL CREDIT UNION (VA)

Good afternoon, I am filing a complaint for 3 consecutive 30 day late payments. 3 different month ranges for each of the credit bureaus reported by Pentagon Federal Credit Union. ( obvious mistake as the months don't even match bureau to bureau ) XXXX : 30 days late XXXX- XXXX XXXX : 30 days late XXXX XXXX:30 days late XXXX XXXX- XXXX ( Credit Report attached Per MyFico ) The circumstance : Every XXXX of the month a payment of XXXX is due ( along with a 5 day grace period ). In XX/XX/XXXX a letter was sent in regards to a missed payment and failure to make a full payment of XXXX. This blindsided us as we had just made a payment on XX/XX/XXXX of XXXX and XX/XX/XXXX of XXXX. That being said we were able to make a payment in full on XX/XX/XXXX of XXXX. We thought everything was fine and there were no issues moving forward with payments. This year ( XXXX ) my growing family began plans to purchase our first home and looking into our credit we had 3 consecutive 30 day late payments reported ( listed above ). I called " Penfed '' and explained that payments were made in ALL of the months in question how could I possibly have 30 day late payments reported. The customer service rep agreed after looking through my file and offered to send a email to the specific department ( dept cant be contacted by phone ) but I would need to consent for Penfed to do a hard inquiry on my file in order for them to see what happened. I did not want to add more damage to my file than what had wrongfully been done. As I mentioned before we are planning on purchasing a home. I told the rep I would rather just dispute this with the credit bureaus and have this removed that way. The rep understood and confirmed she would send a email with regards to this mistake. After disputing there was a response from the bureaus but nothing was deleted. I have been enrolled in auto pay as well as been a customer of " PenFed '' for over 3 years without issues aside from this one. Although I understand mistakes can be made, it is disappointing that this issue has yet to be resolved.