davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

In XXXX and XXXX of XXXX we had several charges post to our account from XXXX who is a processing service for vendors in XXXX. At the time we were just starting our business and had lots of charges posting to several accounts in order to get our store up and running. Amongst the Chaos we must have approved in error a text asking for authorization on our Discover card from XXXX we thought it was for something else we were ordering for the store. Upon receiving our paper statements and reviewing them we realized we were charged over XXXX Dollars for several unauthorized charges to our account. We immediately disputed all the charges in question with Discover. The reacted quickly and issued a new card number for us and labeled all the charges in question as fraud and they were removed from our account in XXXX and XXXX of XXXX. Then in XXXX of XXXX Discover received evidence from the vendor that they shipped us XXXX  packages trying to validate the charges in question. We explained to discover that yes this merchant did do that but these were non items of value, 100 % not ordered by us or authorized and we rejected the shipments by XXXX and disputed the Import and Duty taxes by XXXX from this vendor as well. Discover in shock to us re instated the charges and re billed our account. We contacted the executive team at Discover in XXXX of XXXX assuring them we had give zero approval for these charges, that our card was in our possession 100 % of the time when this took place and this was a scheme and 100 % fraud. We explained to them about the rejected shipments to our billing address and how we were also disputing the duty and import charges with XXXX. The asked us to mail in and email all documents we had in regards to this case. We did that XX/XX/XXXX and faxed all information to XXXX at XXXX Ref # XXXX. We told the rep over the phone that in good faith we will continue to make the min payment due on the account so our credit rating was in good standing until the issue was resolved. She confirmed that was a good idea. Fast forward to XX/XX/XXXX we have received zero response to this matter by Discover. Our account has not been corrected for the fraudulent charges and we continue to make payments and are getting charge monthly interest for unauthorized fraudulent charges.
Consumer complaint received 2022-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TN)

The company Ad Astra Recovery Se is trying to collect a debt of {$560.00} that has a derogatory mark on my credit report. They are not licensed in the state of Tennessee to collect the debt and I want it removed from my credit.
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

I received a letter dated XX/XX/XXXX from XXXX XXXX  informing me that my loan would be transferred to Nationstar Mortgage LLC b/b/a Mr Cooper. The effective date of the transfer was XXXX and the letter specifically stated : If your monthly payment is automatically deducted from your checking/savings account, this service will continue without interruption. 

We had previously utilized this service with XXXX XXXX, scheduling our payments for the first of each month and assumed it would continue. 

On XX/XX/XXXX we noted the payment had not been withdrawn from our checking account and on May 4th we called Mr. Cooper and was informed of the following : 1 ) The would not honor the prior auto pay set up 2 ) We could not use their website as the loan had not transferred and would take up to 7 days 3 ) Although their IVR messages indicate that a automatic payment may be set up there is no menu option to do so and when speaking to an agent they can not set up a auto draft Further when speaking to an agent I was advised I could send a check and although incurring no late fees - the agent could not speak to the interest accrual for the days the payment was outstanding. 

These actions are at best poorly thought out and at worst deceptive : 1 ) Accrual of incremental interest while offering no meaningful option to make an immediate/next day payment 2 ) Failing to honor auto payments as disclosed in the transfer letter 3 ) Scheduling a service transfer to occur when the normal payment schedule occurs on a weekend date - I would advise the CFPB work with its policy making partners to ensure electronic payments are processed and honored for a period of not less than 5 business days post transfer date. 

The actions by Mr. Cooper have contributed to the worst mortgage transfer I have ever experienced - I have had these happen more than 5 times with never an issue this is the first instance where the actions of the receiving service provide appear to intentionally mislead consumers to their own benefit through the accrual of incremental daily interest. 

It is laughable in XXXX to suggest consumers send a check or a data transfer and boarding should take seven days to complete.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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.

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 2023-02-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCalla Raymer Leibert Pierce, LLC (GA)

A law firm on behalf of a company I do not have an agreement with is attempting to collect a debt from my as a debt collector. 

the original Bank that completed the loan with was provided with a Notice of Assignment and the Promissiory Note with an Allonge that was filed in my county in XXXX of 2022. The servicer has chosen to ignore the instrument and tender. 

I have rescinded the contract for the following reasons : I entered into this contract agreement with the XXXX XXXX without the following disclosures : I. Full disclosure of my right to rescind ; Consumers right to rescind ( 12 CFR 1026.15 ) II. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. Disclosure the agreement was a consumer credit transaction and allows for consumer protection when it involves a primary dwelling ; IV. Failure to disclose Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices ; ( 16 CFR 433.2 ) V. Failure to disclose that nonpublic personal information will be shared with a nonaffiliated third party ; VI. Failure to disclose the application is self-liquidating paper ; ( 17 CFR 260.11b ( 6 ) ) The Right of Rescission based on a violation of the Truth in Lending Act. There has been a systemic failure to provide several required disclosures of consumer rights and is the basis and the legal justification for this Notice of Rescission. 

I also provided in the Notice to Cease and Desist is Pursuant to the Fair Debt Collection Practices Act and my right, as a consumer, to terminate all future communications with the debt collector. This was ignored. 

After a Notice of Default and Dishonor, I sent a Notice of Rescission to the above entities. Now they have referred this to the Law Firm I am reporting in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2022-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

I, XXXX XXXX, consumer, am submitting this communication as a formal notice to cease your unauthorized hard inquiries listed on my credit report and a formal demand that you immediately contact the credit reporting agencies and ANY 3rd party, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiry removed : XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/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 XXXXXXXX Remove all of the previously stated addresses because they do not belong to me. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests,
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I'm trying to work out a short pay offer on my loan with the " mortgage owner '' and the mortgage servicer will not supply me with the name and contact information of the " mortgage owner. The servicing company send me the original note when I ask for the information and they know that the original note holder filed bankruptcy over 20 years ago and is no longer a company. All of the mortgages were bought out by investors but the servicing company that services my loan will not give me the correct information. However, when I apply for mortgage assistance through them they have to contact the investor to get this approved so therefore that tells me they know exactly who holds the lien.
Consumer complaint received 2023-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2023, I received a call from Bank of America ( XXXX -- which is an actual Bank of America number if you call it ) alerting me about fraudulent activity on my account. The callers knew the status of my account, they knew my transactions, they knew the names of people mentioned in the XXXX transfer area of online banking. I had every reason to believe they were from Bank of America, as they claimed. They asked me to confirm through text message ( from the usual Bank of America text confirmation number ) that I was disputing this fraud ; however, what they did caused {$6500.00} to be transferred out of my account, through XXXX. I did NOT authorize ANY XXXX transactions in XXXX XXXX XXXX and I did NOT authorize the transfer of {$6500.00} to anyone. I need that money back.
Consumer complaint received 2022-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IN)

Hello, My name Is XXXX XXXX and I am filing a complaint against LVNV Funding LLC for committing identity theft I have never given LVNV Funding LLC permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claimI owe. I am legally refusing to to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of allillregal activity, any communication, and collection activity of this and any alleged debts until LVNV Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2023-05-12
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. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX LL ( Original Creditor : XXXX ) XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$910.00}, XXXX XXXX XXXX
Consumer complaint received 2023-04-30
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: Experian Information Solutions Inc. (IL)

I am writing to dispute the accuracy of the following item on my credit report, which I obtained on XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX {$1800.00}. I do not recognize this account and I have no previous knowledge of it. Supply information to validate. If you can not validate then it needs to be deleted immediately. This collection is in violation of USC 1681b. Under the Fair Credit Reporting Act, I am requesting that you investigate the disputed item ( s ) and remove or correct any inaccurate information. Please provide me with a written copy of the results of your investigation.
Consumer complaint received 2021-05-04
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. (IL)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2021-05-04
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (VA)

Citibank best buy has closed my line of credit as a retaliation under the XXXX. 

Pursuant to the XXXX credit XXXX XXXX Citibank hasnt taking care of the bill error regarding the billing errors requested in XX/XX/2020 concerning a timely requested under the XXXX. 

The payment was withheld regarding the disputed amount pursuant to the XXXX credit XXXX XXXX. 

In Or Around XX/XX/XXXX, Citibank issues a letter saying that the requested made in XXXX was untimely but credited the disputed amount. 

On XX/XX/XXXX, without my consent regarding permissible purposes under section XXXX of FCRA, the XXXX XXXX and XXXX released credit information without my consent. 

Do to my XXXX XXXX XXXX has closed my account regarding my credit report without consent regarding permissible purposes under the FCRA.
Consumer complaint received 2022-11-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

The history is relevant : I have been attempting for literal years to get a modification on my mortgage due to a family emergency that resulted in a default on the mortgage. The process began in XXXX XXXX XXXXXXXX when the mortgage was serviced by XXXX. I was consistently stone-walled by XXXX for years. The pattern went like this : I would fill out the hardship applications, print off my pay stubs and current relevant information, send them through the portal. Receipt would be acknowledged electronically. They would say that my file was with underwriting and it would take awhile. I would call back for a status, they always say it was still in underwriting. At approx the 3 month mark I would call for a status and would be told told that I had been assigned to a new single point of contact and I would have to start all over. I would not get an answer on the hardship applications. Each instance of this took minimum of 3 months. This happened upwards of 10 times, so may that I had actually been assigned to two single points of contact twice and the department was huge! In XXXXXXXX XXXX XXXXXXXX there was an ethics violation by XXXX. I wrote a complaint and was assigned to an XXXX XXXXXXXX in spring of XXXX ( email attached ). I tried repeatedly to reach the gentleman who introduces himself in the email, he never responded. I have emails of this if it matters. Months later I found out that XXXX had sold the servicing on the loan to XXXX. XXXX shirked responsibility for the ethics violation by selling the servicing contract on the loan. I spent months reaching out to XXXX to no avail. I discovered that the servicing on the loan had been sold again to Carrington which is where it rests now.

Current complaint : I can't get a single point of contact with Carrington. Per Colorado law CRS 38-38-103.1 AND federal law 12CFR1024.40 Carrington is required to assign mortgage modification seekers a single point of contact. Carrington will not assign my case to a single point of contact despite multiple modification application submissions. When I have called back to follow up with the same person, making the person a de facto single point of contact, the person who answers the phone states " any one can help you '' and refuses to transfer my call to the individual. My case is very complex and " anyone '' can not help me. I have been given miss-information many times by Carrington and there is no accountability when I have to go through the whole case with a new individual with varying degrees of competency every time I call to follow up. Please find a recent email exchange of me asking who my single point of contact is with the usual outcome : " anyone can help ''
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX-XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 USC 1681 section 602. States I have right to privacy. 

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not without my written instructions. 

15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I reached out to Experian about a an inaccuracy on my consumer report, and they said the is was updated but its not, and the account should be removed according to 15 usc 1681 Account info : lender name is XXXX XXXX
Consumer complaint received 2023-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MD)

On or about XX/XX/2023, I received a suspicious email from Midland Credit Management , Inc., a debt collection agency in XXXX XXXX, CA. The email stated, " Welcome to MCM. Your XXXX XXXX XXXX  account has a new home. As a new consumer, we'd like to offer you an opportunity to discuss flexible payment options, including bi-weekly payment options, to resolve this account. '' It indicated that the account was transferred from XXXX XXXX XXXX ( original creditor ) to Midland Credit Management , Inc ( servicer and owner ) with a balance due of {$930.00}. However, the notice failed to include notifications required by 15 U.S.C. 1692g ( a ) ( 3 ) - ( 5 ) and FDCPA 1006.34-1006.42. On XX/XX/2023, I received another electronic notice from Midland Credit Management , Inc. escalating their debt collection practices. The email was a pre-legal notification stating that if I failed to pay by XX/XX/2023, " Midland Credit Management XXXX Inc. is considering forwarding this account to an attorney in your state for possible litigation. Please make arrangements to resolve your account. Once you have completely fulfilled your payment arrangement, you will be released of the obligation. '' The notice did not include required dispute disclosures. In addition, it is suspected that Midland Credit Management , Inc. has been placing harassing phone calls since XX/XX/2023, through a blocked number ( " unknown caller '' ) to avoid dedication. Approximately two days after the electronic notification on XX/XX/2023.
Consumer complaint received 2023-03-27
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. (MD)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX, XXXX XXXXXXXX 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