davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

- XXXX had family hardship paying mortgage applied for a Modification received one which due to discrepancies the investor agreed defer 40 % + of principal to the end of loan 30 year term to allow for affordable mortgage payments of approximately {$1200.00} a month for 30 years. 
This worked until a few years later due to a loss in a family coupled with others loss of income caused another hardship in which I contacted ( servicer at the time ) Aurora & after informing the representative & the underwriter they agreed to modify the terms to allow the payments to be lower temporarily & the monthly payments will be lowered by approx {$100.00} a month. Few weeks later contacted Aurora representatives & expressed my concerns on the Modification being executed & was told that it's being processed. 
Until one day I followed up & was told the new servicer is now Nationtionstar. I contacted Nationstart & was told that I will have to reapply for a Modification. I apply & about 4-7 months later we receive a Modification offer that is twice or triple my Family 's total income. We call to inform them what Aurora states & told to reapply for Modification, we do & the cycle repeats itself. This has the same until my Housing Advocate submitted a escalation with the XXXX XXXX XXXX XXXX XXXX in XXXX alleging Nationstar/MR.COOPER failure to honor their agreement ( breach of an oral contract ) to provide an affordable Modification as agreed to in XXXX has caused financial loss from XXXX to date which os water fall option violation under the terms and agreement MR.COOPER/Nationstar has with the U.S. Treasury to date a.k.a . XXXX XXXX XXXX XXXX " XXXX '' agreement. 
My housing counselor has attempted to file an escalation request with Rscaltion Yeam but has been returned due to closure of that department. He was told that there may be an internal department that may process his request and has filed his request but as of to date has yet to receive a response. 
Meanwhile MR.COOPER has sent us a letter denying my request for them to honor what the investor 's agreed to back XXXX or just reoffer the XXXX Modification? 
In addition we are XXXX seniors with medical conditions that our doctors state put us at risk of XXXX & after receiving MR.COOPER last letter we are in Fear of bring foreclosed & knock-out in the streets during a Pandemic giving us not much opportunity for survival. Your assistance is urgently needed.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

A balance is reporting on my XXXX XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with XXXX XXXX and they have failed to correct it.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have reviewed my consumer report and noticed a charge off from XXXX  XXXX the open and close dates are different across all accounts the dates will be provided in attachment. The information has not been verified and it has not been permitted by me nor does it have a signature to be placed on their platform below I will send you a printout of the account on my report showing all the wrong information and is completely inaccurate
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I had my credit card stolen, the capital one closed my account and they are trying to change me all the money spent. I did XXXX of payment and it never was deducted in my credit card amount.
Consumer complaint received 2020-07-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am behind one payment on my Bank if America Credit card. A few days after the bill cycle I started receiving anywhere from 3-5 calls a day M-F and text messages as well. I understand there is no limit for how many times they can call you, but at this point that is excessive. It was Bank of Americas Collection Dept. I finally called the back and instituted a cease and desist, but they then said they wont be able to call me period including if something happens regarding my account. I took that as a threat and understand it as, If we cant call you for payment, we wont call you for anything including if my identity or card is compromised. That is a threat to my understanding. The representative said they can call you up to 7 times in one day. Coming from someone who works for Bank of America I have no means of verifying this and that many times every single day can be considered harassment. I had received a callback from BoA between XXXX CST on XX/XX/2020 and was placed on their deferral list, submitted a complaint, and asked not to be contacted like that again and was reassured. 1 hour later they call me again and of course I have them blocked. The rep even had notes from the previous rep regarding my account. At this point Im concerned that Ill either still keep getting calls or Ill get no more calls including regarding the security of my account. BoA has put me in a lose-lose situation and at this point Im wanting to know what my options are and what I can do. I have attached two screenshots with redacted information regarding other inbound/outbound calls regarding today XX/XX/2020 when I had called from within the BoA app and opted in for a callback, followed by FIA calling again. I use XXXX XXXX XXXX in conjunction with my XXXX  silence unknown callers, so unfortunately only a few times I was called show up, including 2 on the same day, but I can reassure you they called me at least 3 up to 5 times a day every single business day since the beginning of XXXX.
Consumer complaint received 2016-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (FL)

I have a bill for progress energy that already paid and know I get some phone calls for a collection agency to paid this bill again. I get some harassment calls with treated and legal issue. I get call on my cellphone all the time even during working hours and after dark. I am on the do not call list and still getting calls.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$230000.00}
Consumer complaint received 2020-07-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

EXPERIAN IS REPORTING A COLLECTIONS ACCT FOR THE 3RD TIME ALREADY. THEY ALLEGE THIS ACCT WAS VERIFIED AS ACCURATE. I SENT A LETTER XX/XX/2020 REQUESTING PROOF OF VERIFICATION METHOD WITHIN 15 DAYS PROVIDING PROOF OF WHO AND WHAT FORMS WERE UTILIZED TO VERIFY THE ACCT AND THEY HAVE EXCEEDED THE ALLOTTED TIMEFRAME AND STILL HAVE NOT FURNISHED PROOF OF HOW THIS ACCT WAS VERIFIED. XXXX XXXX XXXX  HAS ALREADY BEEN REMOVED FROM XXXX AND XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

THE FOLLOWING ADDRESSES ARE INCORRECT AND IN ERROR. I HAVE NEVER LIVED AT THESE ADRESSES. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX. 

I HAVE DISPUTED THESE ADDRESSES IN THE PAST, AND HAD THEM REMOVED FOR THEM TO ONLY BE PUT BACK IN MY REPORT.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX Balance : {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance : {$15000.00} XXXX XX/XX/XXXX
Consumer complaint received 2021-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

I was checking my credit and notice that this company had place some unknow debt on my credit I am not aware of, My Identity has been stole a while ago someone was taking my mail out of my mail box I did everything I was told to do and all the things where removed from my credit know they are coming back this is not my debt only thing they showed me was my address that is all I ask them to remove this because this is not my debt. {$820.00} was not aware of this debt being on my credit report not my debt. it is not fare for them to place this on my credit with out me knowing it
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (LA)

In XXXX of XXXX i closed my XXXX XXXX service and i also turned in equipment used. On XX/XX/XXXX I received mail and phone calls stating i owed on the account. I asked for verification by mail on XX/XX/XXXX ; I never received a reply from Convergent Outsourcing about the collection. I disputed the collection with all three credit reporting agencies numerous times. On XX/XX/XXXX I requested another verification of the account and was mailed a bill with a date in XX/XX/XXXX after i paid and closed the account. The bill that was sent had no description of charges, only a total due and my name.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

On XX/XX/2020 Macys Inc. reported that I was late 30 days ( {$8.00} ) on my credit account with them. i checked the last year and have not been late once. I would like this removed.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX : {$29000.00}.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-15
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: DISCOVER BANK (GA)

To whom it may concern : On XX/XX/2021, an unknown entity- Discover, is reported on my credit. In addition, the account has been closed and they have been harassing me. 

Please remove, this unauthorized information from my credit. 

Thanks!
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A balance is reporting on my XXXX  account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with XXXX and they have failed to correct it.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TN)

I have been requesting to pause my mortgate payments because of the COVID-19 for 2 months. They do not return my request. Also, there is another paper application for that. Their system is very difficult to apply. Other lenders do not make so difficult system to ask a temporary relief. It is very cumbersome how to apply.
Consumer complaint received 2019-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (MD)

I have tried many times to have this item removed from my Credit report many times and just keeps on popping right back on my credit report! I told them many times that my identity was stolen and I did report it. Now this company is calling my house threatening me and my family for payment? Can you please Look into this matter? Thank You!
Consumer complaint received 2018-05-25
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: United Resource Systems, Inc (TX)

cra inaccurate information, took more than 30 days no response or call XXXX XXXX, XXXX, XXXX and 1 account with XXXX sent ftc, cra violation and po report
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (NJ)

Was given a prepaid XXXX card for XXXX as a gift. The card is for {$100.00}. Tried to register the card today, XX/XX/2022 and the card already had a purchase of {$95.00} from target in XXXX  in XX/XX/2022. I live in XXXX  XXXX. Called PrePaid Gift Balance to file the issue. Stated I need to put it in writing through their website. There is no where to submit the issue to them and I can not register the card anymore as they have deactivated it. 

Something doesnt seem right about this as they ask me to send my ID, and I was like, no. Why would I when I do not know who you all are. 

This all seems weird.
Consumer complaint received 2020-07-07
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)

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 

Immediately remove the following account XXXX XXXX  XXXX  open date : XX/XX/2019 XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$93.00} XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXXXXXX XXXX XXXX  Balance : {$540.00} XXXX XXXX Balance : {$93.00} XXXX XXXX XXXX  Balance : {$490.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$530.00} XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX  XXXX Balance : {$550.00} XXXX XXXX Balance : {$93.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$230.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX