davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

A COMPLETE modification package was sent in on   XXXX   XXXX  -2017. Please see attached email/Proof. Nationstar confirmed they had the modification package.
On  XXXX - XXXX -2017 Nationstar stated they would NOT review the file as the sale date Of  XX/XX/XXXX  was too close and 37 days was needed for them to review the file.
The sale date was postponed until   XXXX   XXXX   2017 by Nationstar, yet Nationstar refused to review the documents that were initially sent in on  XXXX - XXXX -2017. We spoke to a Nationstar regarding this issue and they refused to do anything!!! It is very apparent that Nationstar is discriminating against   XXXX   XXXX   based on his race, ethnicity, language, national original. There is not tangible reason why the review process was NOT started back in   XXXX    when Nationstar first got the file. Our office has been disconnected on several occasions by Nationstar employees. The poor communication from Nationstar clearly indicates they simply does not want to review the file for a possible work-out solution. By unreasonably and unnecessarily delaying the modification request,   XXXX   XXXX   continues to get farther and farther behind on the mortgage payments. Nationstar denied the workout request based on inaccurate information and refused to take remedial steps to provide a qualified homeowner with a solution to save the home.
The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on homes and fire selling them at auction to make a profit. It appears that Nationstarss lack of participation in a meaningful modification review of Homeowners file indicates a preference to profit directly from his hardships.
At this time, we are demanding the sale date be postponed to continue the review or   XXXX   XXXX   will assert his legal right in district court naming  XXXX  as a defendant.
Consumer complaint received 2018-07-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (TN)

I owe Wells Fargo around {$10000.00} on a personal line of credit. the loan is 150 days past due. I am XXXX years old, XXXX and on a fixed income and can not pay the payments. I recently had a family member mention that they could possibly give me a small loan to settle the account if I could reach a reasonable settlement amount. I talked to Wells Fargo collections on XX/XX/2018. I asked to discuss a settlement for the account. As always when I talk to them they wanted a payment of over {$1000.00} and to set up a long term payment plan and said that they would not settle for any agreed pay off and she transfered my call to something that I think she called a hardship department. Another rep started talking to me and it was the same conversation about me paying a smaller amount than the {$1000.00} ( no specific amount ) and a long term payment plan. I told this rep that I need to discuss a settlement to fully close the account. He also told me that they they do not settle. He asked if I could get money to settle then why could I not pay their payment. I told him that if I borrow the money to pay him and the payment plan that I would have to deal with paying 2 loans. If I pay the Wells Fargo loan off then I would have one payment. He also indicated that I could be hiding income sources from him. It appears that Wells Fargo is taking advantage of people by forcing them to take a product that they don't want by not giving a choice.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

Purchased a new XXXX XXXX XXXX fully loaded, valued at {$33000.00}. However, this vehicle was stolen from our XXXX property on XX/XX/XXXX of XXXX sometime after XXXX. The next morning at XXXX, we realized it was gone. The police were called immediately and an incident report was made. My car insurance and GAP insurance paid it off, which is why we did not make a payment. We are now on XX/XX/XXXX and this incident is still affecting my credit negatively. 

I would like my credit to be free from this negative incident, which already was taken care of by XXXX XXXX and GAP insurance. The credit bureaus should process this matter accordingly in order to remove this negative impact. 

The reason the payment were not made is for the fact that the car insurance and gap insurance was covering the total loss and paying the finance company in full. This should have never reflected as 30 days late payments in XXXX and in XXXX of XXXX.
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (IL)

I've tried to contact this collection multiple to let them know that I do not owe this debt to them or the original creditor. This collection company is illegally reporting this to the credit bureaus. I was never notified about this or have a contract with this collection company.
Consumer complaint received 2023-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paramount Recovery Systems, L.P. (NJ)

Supposedly I have a debt with XXXX XXXX XXXX XXXX XXXX XXXX for an amount of {$1400.00} for a visit that I supposedly made which is not the case, so PARAMOUNT RECOVERY SYSTM included it in my credit report in XXXX and that the collection It was generated in XXXX of this same year, a situation that I have not generated on my part because I have paid all my bills with my different creditors, which they can verify in my credit report.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (NE)

My account was debited {$400.00} on XX/XX/2020, by the card company. The reason for the debit was " XXXX XXXX XXXX XXXX '' I called on XX/XX/2020 to dispute the debit. It is now XX/XX/2020. I have wasted 10 hours in phone calls, talked to dozens of people, I have been lied to, had calls disconnected after waiting 56 minutes, and no one has done anything that I have been told would be done. It states in writing about Error reporting and resolution Procedures on the back of my statement. If it takes longer for the investigation to complete they WILL put the funds back on my account so that they would be available for me to use. That is to happen within 10 business days. I have yet to have the funds returned to me. When I call in the story changes and I am told I still  need to wait. I feel as if I have been ripped off. I do not understand how anyone can tell me about an investigation when it was reliacard who took the funds in the first place. I was told it was because they thought I had received credit for a dispute. I had never called to dispute anything until the XX/XX/2020 the debit was done 0n XX/XX/2020. That is when I had enough and decided to report the why reliacard does business. I do not believe that they can be trusted. If I had not caught this mistake I would of never been notified about it. So I wonder where all that money goes. I will escalate this to the local TV news station so I can let as many people know to watch their statements from Reliacard. By the way, after accounting STAFF balanced my account, it was found that the balance on my account is off by XXXX  dollar. If you take that time how many accounts are handeled by reliacard someone is making alot of unreported income. XXXX XXXX
Consumer complaint received 2020-09-14
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (RI)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

There are accounts that are not mine on my credit report. Additionally, there are addresses that I do NOT recognize and my names aren't correct that are listed in my personal file. Please remove them immediately. Thank you.
Consumer complaint received 2018-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

I have a collection on my credit report from a collection agency called XXXX XXXX XXXX. I disputed the account with the credit bureaus and I was informed by XXXX to also file a complaint. XXXX stated to me, to file the complaint when I told them I have 2 collection agencies on my report who claim they are collecting for them. I was advised to file a complaint and dispute with the credit bureaus because they did not send or assign anything in my name to a collection agency. I actually have two collections on my credit reports who claim they are collecting for XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX. I am filing complaints on both companies bc they are illegally attempting to collect on debts they clearly do not own. How is it possible for 2 collection agencies to be trying to collect on the same debt?? XXXX XXXX did not assign the debts. They have yet to properly validate the debt according to the FDCRA. Please remove this bogus collection from my reports and I will not hesitate to take legal action.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I deposited my California state XXXX XXXX on XX/XX/23. Chase put a 7 day hold. XXXX gave me a printout showing the checks were cashed, but they have my accounts restricted as fraud because they cant contact anyone at the state number to verify. The state gave them the money and they will not release it to me. The number now is irrelevant, they have the funds and they need to give them to me. Im beyond exhausted dealing with this.
Consumer complaint received 2021-02-22
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. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % XXXX accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2022-01-07
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I requested to deleted the wrong address from XX/XX/2019 to today, but it still exists. 
The other two credits contributed to the resolution I've lived in the NJ colony  for 40 years. 
Wrong address : XXXX  XXXX, XXXX, VA XXXX Dispute NO : XXXX
Consumer complaint received 2021-02-22
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. (CA)

There are three accounts appearing on my credit report that I have been disputing and have sent multiple letters to the bureaus and they have not been doing anything about it. This is identity theft and these accounts have not been opened by me. 

XXXX  - Acct # XXXX Amt {$13000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX - Acct # XXXX Amt {$13000.00} Opened XX/XX/XXXX XXXX
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (MD)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-09-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

On XX/XX/2020 I sent through XXXX {$1200.00} that were taken from my account in XXXX XXXX XXXX to be transferred to an account in XXXX XXXX XXXX in XXXX. The money never got to the Bank in XXXX. It was verified by the recipient several times in XXXX since XX/XX/2020. After attempting many times to obtain the SWIFT number to track the transaction in XXXX, MoneyGram did not provide the information and insisted the transaction was completed. I had made at least three complaints and they closed the cases saying they do not provide the SWIFT. I obtained through the Bank in XXXX information that MoneyGram uses a company called XXXX XXXX XXXX, to manage transactions and made the transferred ; but that company do not want to review or provide any data at all either. The responsibility is MoneyGram and my hands are tie. They took the money from my account and nobody responded that there was no transferred to the bank in XXXX. Please I need help, this money pays for expenses of my elder mother.
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

Accounts XXXX and XXXX continue to report on my credit file after the 7 year limit and needs to be removed ASAP I have contacted the credit bureau multiple times but no removals have been made
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Accounts XXXX and XXXX continue to report on my credit file after the 7 year limit and needs to be removed ASAP I have contacted the credit bureau multiple times but no removals have been made
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX, I was made aware that Pnc Bank had placed a hold on my checking account for {$5000.00}. This was a request by an attorney 's office due to a judgement. Unfortunately, this made my account negative over {$4000.00}. I have been off work and was tested on XX/XX/20 for the covid-19 virus so having this hold on my account is very stressful at this time. I have made arrangements with the attorneys office for a settlement of {$1000.00} to come out and the remaining to be released immediately. This was faxed to Pnc Bank on XX/XX/20 but the hold is still on my account. I'm requesting help to get this hold removed immediately. I'm also requesting information as to if this was legal to place a hold during this time of pandemic in our country. As you can imagine, this has made it even much more difficult to care for my family. It has also cause a great deal of additional stress for me and my family while I wait for the results of my testing. If you can please help me in anyway, I would greatly appreciate it. 
Thank you. 
XXXX XXXX.
Consumer complaint received 2020-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (GA)

I have disputed this debit for {$800.00} from XXXX XXXX or credit management lp via certified mail Several times. I never opened the account I was told the account was made in Nevada which I have never lived. The company will not provide and documents to prove I opened this account. I have not been provided anything to accurately dispute the fraudulent account. They keep saying the debt has been verified when I know I did not open this account.
Consumer complaint received 2020-09-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rent Recovery Solutions (SC)

" Rent Recovery Solutions '' and " XXXX XXXX XXXX '' are extorting multiple people for old debt not owed. I am a former tenant of XXXX XXXX XXXX owned by XXXX XXXX XXXX. I followed current Lease termination agreement at the time to a tee. Giving them a 30 day written notice, as well as communicating with the local property management. I left my apartment under good standing. As a matter a fact I over Paid by {$500.00} to cover any residual or pending fees - such as a {$35.00} a day rent ( as property managXXXX stated ) till unit was rented and occupied. That happened less than 24 hours after I left. Tenant was occupied XX/XX/XXXX - confirmed by property management. Also confirmed by myself as I had to retrieve mail from the new tenant. ( He had my bank statement and opened it ). I had reached out a many times in XXXX, and XXXX trying to collect my security deposit and refund over payment. They seem to roll over XXXX XXXX a lot. Never got anywhere - fast forward almost 6 years later - I get a ding on my credit report. I reported to XXXX, and NC Govt consumer site. 
They are trying to collect debt not owed - and using my former residency as a SCAM. I fulfilled my requirements at the time and OVER PAID. I want my credit report fixed, and return {$650.00} owed back to me for over payment & security deposit. I have reached out to corporate and got a VM of XXXX in Legal for XXXX XXXX - never heard back. I am also seeing a trend of this behavior on the XXXX  site. I am not the only victim of extortion. 5-6 years later. ( After the fact ) Why Now? Using tenants as a way to boost profit?
Consumer complaint received 2021-02-22
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. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I do not have a child support case. REmove it from your files IMMEDIATELY. Ive attched docuemtnation CHILDSUPPORT Account : XXXX un-authorized Inquiries XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 2024
Consumer complaint received 2023-04-04
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

The credit reporting XXXX put 2 more negative points on my credit. Last month my credit score was XXXX, I have no late payments in over two years, yet Im constantly being given negative points. From last months XXXX to this recent score of now XXXX. After my first complaint it seems my credit is now under attack. How would I ever be able to purchase anything with these constant negative scores.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2023-01-28
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. (FL)

Just got a copy of my credit report, and I discovered an account that are not mine. That I've become a victim of identity theft shocks me. I've been upset by this because I'm trying to get my family a house. As soon as you can, please delete this fraudulent account from my credit report.