davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-14
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: Comerica (GA)

My card was used without my permission on XX/XX/2021 for several charges at XXXX, XXXX XXXX, and XXXX XXXX for a total of {$3900.00}. After speaking with Direct express about the transactions the customer service rep started the claim. She did not go over the charges with me she said that she would send me a form to fill out. I completed the form and included the charges that I did not authorize. Because the rep did not go over the charges with me and 2 charges were included in her claim from XXXX XXXX they denied my claim. I call back and spoke with another rep who said that he would send the email to the supervisor who would be able to reopen and they declined. Even though the rep said he can see that i never used my card the way it was used on the XXXX of XXXX and i have been with them a long time they refused to give my my money back. It is had to talk to this company and they take advantage of people.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

According to the IRS, a charged off debt are considered an income, 15 USC 1681 ( 2 ) ( a ) ( i ). Income is forbidden to be on a consumers credit report/file. The original credit, XXXX XXXX XXXX wrote the debt off on their taxes and received a profit ... ... ... ... ... ... ..... 
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FCRA Section 623, 15 USC 1681s-2, Responsibilities of Furnishers Info ... ......

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12 CFR 1006.34c, Notice For Validations Of Debt ... ...... 
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I am exercising my rights under the FDCPA to request the following information : 1. The Purchase Assignment Agreement 2. Proof XXXX XXXX XXXX XXXX authorized to collect on behalf of the XXXX XXXX XXXX. 
3. Profit/Loss Statement of 1099c 4. Documentation of all assignments showing the transfer of the debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. Proof that XXXX XXXX XXXX " securitized '' the debt. 
XXXX. Documentation showing the assignments of the debt from XXXX XXXX XXXX to the Secured Trust and then back to XXXXXXXX XXXX XXXX XXXX 
XXXX. A contract between myself ( XXXX XXXX ) and XXXX XXXX XXXX that bears my signature wherein I agreed to pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. The amount paid to purchase this debt from XXXX XXXX XXXX. 
XXXX. The 1099c, since this debt has been charged off, written off. 
XXXX. The authorized printed and signed signature of XXXX XXXX XXXX and XXXX XXXX XXXX. 
... ... ... ... ... ... ... ... ... ... ... ... ... ..... 
I am demanding that Professional Credit Management " DO NOT '' send me a printed computer generated statement of a bill. I AM NOT requesting a bill statement. Please DO NOT SEND another bill statement from XXXX XXXX
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MI)

I HAVE NEW AND UPDATED INFORMATION ABOUT LVNV FUNDING LLC. Lvnv has been willful and neglient non compliance with federal law. They have violated my federally protected rights under the Fair Debt Collection Practice Act using abusive and harrasing practice to collect on an alleged debt.1.LVNV has been harassing me for multiple years, with over 100s of emails threatening to take legal action that can not be taken. 2. Lvnv compliance department responded and said they haven't used harassing tactics but attached are emails of them threatening to take legal action that cant be taken using harassing practice to coerce me in to paying the alleged debt. 3. XX/XX/2022 I sent an notarized conditional acceptance agreeing to pay the alleged debt if they can produce the documents listed on attachment within 10 days and they failed to do so which stated if they can not produce they can not rightfully enforce their claim, it as been XXXX months since they received the letter and still have not provided me with a lawfully claim I also sent an affidavit they failed to Rebuttal. 4. I have tried to resolve this issue and lvnv continued to threatened me with an lawsuit they have no standing on because a debt collector can not sue due to them not being the creditor and lvnv raised a claim against me in XXXX district court violating my federally protected rights. 5. When I called Lvnv and spoke with a representative she told me due to me disputing with the credit reporting agencies for two years against this account they brought a lawsuit against be which would be punishing me for exercising my rights. The complaint was pass the XXXX days and was not served to me but every time I wrote LVNV on cfpb they stated they could not respond because a case was pending when that was in fact a lie. They Illegal practices has and continues to cause me severe stress. They have sold my information to multiple companies to collect when they don't have the authority to have my personal information. Lvnv has failed to provide me with any information I asked for me to validate the alleged debt instead they continue to send the same statements when them and the creditor has different information listed its impossible to validate just off statements when I have a right to receive information according to the Freedom of Information Act. Attached documents to show proof They had 30 under the FDCPA days to validate the alleged debt or a copy of the judgement pursuant to 15 USC 1692 and they failed to do so. They compliance department also stated they do not have a time limit when the law says 30 days. This company has a problem with abiding by the law and shall be reasonably investigated for non compliance.
Consumer complaint received 2022-06-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. This is not mine. I am a victim of identity theft. Also Under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-10-20
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. (MA)

Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with  XXXX, XXXX, and Ex

perian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps  who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
1.XXXX  acct. # XXXX bal. $ {$19000.00}, 2.  XXXX/XXXX  acct. # XXXX 3.XXXX  ( Original Creditor : XXXX  ) acct. # XXXX**** 4.XXXX  ( Original Creditor : XXXX  ) acct. # XXXX** 5.XXXX  ( Original Creditor : XXXX  ) acct. # XXXX** 6.XXXX  ( Original Creditor : XXXX  ) acct. # XXXX** 7.XXXX  XXXX  acct. #  XXXX 8.
Consumer complaint received 2020-05-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (NY)

On XX/XX/2020, I sent {$1000.00}, Tk. XXXX ( fee {$4.00} ) via Remitly to my visiting brother in XXXX because of their competitive rate for up to {$1000.00}. My 1st attempt to send money was cancelled because my bank decline for verification. I chatted ( chat is open for transaction is progress ) with one of their rep who asked me to reinitiate transfer again, and I sent again. This time, I verified with my bank, and it was delivered on XX/XX/2020 via Remitlys agent bank XXXX  XXXX XXXX XXXX  to my brothers bank XXXX XXXX XXXX. However, XXXX agent bank XXXX recalled the funds on XX/XX/2020 stating it is a duplicate payment. According to my brother statement there is only one payment from me on XX/XX/2020. My brother, XXXX XXXX, received another Tk. XXXX on XX/XX/2020 from another sender name XXXX XXXX. However, Remitly agent XXXX or XXXX XXXX XXXX did not explain duplicate payment from me XXXX XXXX. 
I tried to contact Remitly on XX/XX/2020 but found that their email, phone and chat is NOT AVAILABLE due to COVID-19. This was suspicious to me that email too was unavailable. I replied to an email from Remitly on XX/XX/2020, stating the situation. I got an response that email is not available. 
Now, I have no choice but to report this to authorities.
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file. However, there are still accounts that need to be CORRECTED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated in my report. 
XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$9000.00}
Consumer complaint received 2020-05-18
Product: Credit card or prepaid 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: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (FL)

On Saturday, XXXX XXXX I was a victim of fraud on my Iberia Bank debit card. I had the card with me while I was reporting the fraudulent charges. I immediately contacted the customer service line and reported the three charges ( total {$1100.00} ). It appears that Iberia bank sent me a new card in the mail and somehow the new card was intercepted in the mail. The representative told me that I would get a call from the bank within 48 hours. I never received a call from the bank so I contacted the bank and was told that I would get a call from the Fraud department. On Thursday, XX/XX/2020 I called again and was told that they did not have in their file my report of fraud from Saturday. They claim they only blocked my card on Saturday for any future use but did not have any information about the 3 fraudulent charges. At that time, I reported the 3 charges to the bank representative and I also immediately responded to a Fraud text that I received ( see attached fraud text ). He later sent me a form I had to sign reflecting the disputed charges and said I would hear back from the bank after their investigation. The very next day, I received an email stating that the bank denied my claim for fraud because they claim that my PIN number was used. I have never given my PIN number to anyone. How can they deny the claim without conducting a thorough investigation? I don't understand how they can deny this claim as fraud was definitely committed! I did everything I could to report the fraud immediately and stop my card from further use. I did not make these charges!! Do they know who did? Where are the videotapes of the transactions? What do I need to do to get my funds back in my account? I believe the bank has been unfair and is entirely responsible for this fraud as I never received the new card they sent me and this is the card that was somehow intercepted in the mail. Your assistance in this matter is appreciated.
Consumer complaint received 2020-05-07
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. (UT)

I recently pulled my credit and noticed that XXXX XXXX XXXX is reporting a debts on my credit file that I no longer owe or have a balance. XXXX XXXX XXXX is still reporting an active balances. Also, they are double reporting with XXXX. XXXX. I've done some research and per the FCRA regulations listed on their site, it is a violation for two companies to report the same debt on my credit report. I am requesting XXXX XXXX XXXX to remove this debt off my credit file XXXX XXXX XXXX Account # XXXX - XXXX XXXX. XXXX Accounts # XXXX - XXXX
Consumer complaint received 2020-07-21
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. (GA)

All of the proper documentation was submitted on XX/XX/2020 and the bureaus didn't respond within the 30 days allowed by law and therefore every fraudulent account should be removed immediately! I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2020-05-07
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. (AR)

Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the repor. The things I have listed on this application are not mine. Please remove these items from my report.
Consumer complaint received 2020-05-07
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. (AR)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$260.00} XXXX XXXX  XXXX {$230.00}
Consumer complaint received 2020-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

Ocwen Mortgage company took over my mortgage approximately XXXX to the best of my memory, and I did not know who they were or anything about them. I had no choice in this matter and did not seek another mortgage company, they picked my mortgage to exploit for profit. As it turns out I discovered they are merely a collections agency that got into the mortgage business during the XXXX housing crises. They are a nonlending mortgage company that finds people that have had mortgage payment problems and then exploit this by raising the mortgage payments without explanation or remorse to force the sale or foreclosure of the house. They have raised my mortgage payments on a 30 year fixed rate loan ignoring requests for an explanation for the increases in my payments. I was forced to hire a lawyer in XXXX trying to deal with this company and forced into bankruptcy only because of them and trying to not lose everything I have worked for my entire life. 
In approx XXXX XXXX they had raised my mortgage by over {$800.00} from the original payment amount and there was no way I could pay it I sought help from them still not knowing they were merely predators seeking profit. I was instructed by their representative XXXX XXXX to get 3 house payments behind allowing them to do a mortgage reconstruction dropping my interest rate and house payment. This was a tactic that when I was behind 3 payments I would not be able to refinance with another mortgage company and would literally be locked into a mortgage reconstruction with them. I did as i was told got 3 payments behind and began the mortgage reconstruction making my 3 trial payments of {$1100.00}. They sent me te paperwork to sign and my principle had gone from {$210000.00} to {$220000.00}. When I inquired and asked for a written explanation for this {$13000.00} they refused and would not explain it and told me to just sign and send the contract. I refused without seeing a written explanation. I tried to make the fourth payment and Ocwen refused my payment and within 5 days sent me foreclosure papers. It has been a legal battle ever since then costing me money without seeing any relief. 
Ocwen is well known to CFPB as they were shut down from obtaining new mortgages for the doing to others as they have done to me. Unfortunately, they see the CFPB as a toothless tiger and have merged with another company PHH Mortgage and continue to operate using the same tactics as always. I am now doing battle with PHH Mortgage and my lawyer that admits I was forced into bankruptcy only because of Ocwen has done nothing for me yet has had me send money to the mortgage company that has done nothing to help my situation. In effect it has ruined me, a XXXX veteran that is a XXXX  and I am going to be forced out of my house with nothing. Ocwen/PHH Mortgage are destroying the lives of people every day and disregard every government agency that slaps them on the wrist.
Consumer complaint received 2024-10-22
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Shellpoint Partners, LLC (FL)

XXXX SEPARATE ISSUES. 
XXXX ) I filed a complaint in the past about this XXXX XXXX XXXX. who refused to send me the information I requested and after CFPB contacted them, all they did was email a ton of papers which I would need a legal team to sort through it and they did not resolve my issue. They told you guys they fixed it and you guys said it's fixed without my approval. 
That would be exactly like me saying they stole XXXX dollars from me and they replied and say " no we didn't '' and you guys email me and say no they didn't - problem fixed. 
XXXX ) About a week ago XXXX XXXX XXXX. told me they can text me up dates if I would like. I said no advertising, they said no advertising. I verbally gave them my number. Then I find out it's a big scam they make money by having a fee tact on your phone bill for every text. I asked them to remove my phone number and replace it with only my landline number so that they can't text. They refused and said I have to mail in a written paper to ask them to remove my other number. Now how come they can take my number VERBALLY and put me on their text list but can not remove it verbally, but I have to now write a letter. 
XXXX ) Because of the hardship I'm enduring because of the XXXX XXXX XXXX XXXX XXXX, I asked XXXX XXXX XXXX if I am able to get some kind of ( deferment or forbearance ) which ever is the XXXX that puts XXXX months of payments at the end of the loan. They said sure, but they would only give me XXXX  months of no payments THEN they will decide if I have to pay all XXXX months ( which would be around XXXX for me ) if they decide. So another words, they are trying to trick me like they did XXXX years ago saying I could get a loan mod then tried to foreclose on my house ( which is the whole reason CFPB became about ) Another words, then in XXXX  months I will have to hire an attorney and file for bankruptcy all over again. Same stuff they did before. 
XXXX ) About XXXX years ago after leaving me no choice but to hire an attorney and file bankruptcy even though I had a perfect XXXX XXXX of XXXX, my attorney had me go through the bankruptcy and got me a modified loan. Ever since, I never missed a payment or was late and none of the mortgage servicers, including XXXX XXXX XXXX has ever provide my on time XXXX  year perfect payments to the credit bureaus and because of that they have ruined credit and my life and I now only have " XXXX  '' credit. Not bad credit. I never had any debts, just " XXXX  '' credit which is actually worst than bad credit. I can not get any credit because they refuse to report my perfect loan payments to the credit bureaus. I'm sure if I missed payments they would have reported it. 

They are consistently trying to scam and take advantage of their customers and steal their homes.