davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Diversified Adjustment Service, Inc. (PA)

Hello, The Law 15 usc 1692c ( c ), Clearly states if a customer notifies a debt collector that the consumer refused to pay a debt the debt collector must cease all communication.

I have received correspondence regarding a debt collection and need to verify that you have contacted the correct individual. I am writing to request validation of the debt you have reported to me in your recent communication and am requesting that you provide documentation supporting this.

As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt.

Please provide me with the following information regarding this debt : 1. A detailed contract showing the amount owed exists along with verification of the debt amount you are attempting to collect.

2. The name and address of the original creditor to whom the debt was originally owed and the current creditor. 
XXXX. Documentation showing that you are authorized to collect this debt, such as a copy of the original contract or agreement. Include documentation showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. 
Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original credi tor. 
Please provide this information within 30 days from the date of this letter. During this period, I request that you cease and desist all collection activities until you have provided the requested validation. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. 
Please note that this request does not acknowledge that I owe the debt. If you are unable to provide validation, please remove this entry from my credit report and cease all further collection efforts. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so Notification to other collectors
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I began an application to refinance for a jumbo conventional mortgage in XX/XX/XXXX. Bank of America. I paid for a rate lock and other fees to begin the process. Like it seems with many other mortgage providers, BofA began to show indications of 'backing out ' of any potential lending obligations with the onset of the coronavirus pandemic. However, what makes this egregious is that they ultimately stalled me for FIVE MONTHS, and reset through THREE DISTINCT UNDERWRITERS while re-charging me to restart the same process with the excuse that they 'lost the application ' and it lapsed. 
After jumping through numerous final 'hoops ' in XXXX, demanded at the last minute with little notice, they notified me of a denial late on XX/XX/XXXX. 
It is my belief that this company, perhaps like others, was so busy with their nose up the governments behind feeding on PPP business re-assigned all their underwriters to PPP business and simply dropped my application, with no intent of ever conducting this business, which is a fraud. They cost me fees, a negative mark on my credit due to the application and worst of all, a massive opportunity cost caused due to freezing a large amount of cash I did not want to put at risk during the application process. 
This is one of the most egregious cases of mal-intent I have ever experienced at the hands of a bank, and someone needs to be looking into the practices at BofA and how they have conducted themselves with similarly situated customers. 
I have millions of dollars in net assets with the bank for years. There was no reason for this. Furthermore, they could have easily made a negative determination within a month or two if there was a justification. 

The people I interacted with were XXXX XXXX XXXX Cell Bank of America NMLS # XXXX XXXX XXXX XXXX Mortgage Loan Coordinator E/P NMLS ID # XXXX
Consumer complaint received 2020-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (LA)

This started when I made my last vehicle payment. Ally bank took two payments out of my checking account. When I called Ally regarding this, I was told that one of the two payments could not be cancelled, and that a manager was not available to speak with. I was also told that I would have to cancel the payments through my bank. I did cancel the [ payments with my bank and since the end of XXXX have not been able to make the payment. I have called Ally numerous times regarding this yo no avail. Now they're telling me my account is delinquent, incurring fees, after I've already incurred cancelation fees with my bank.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One Bank is reporting a 30 day late on my credit card which ruins my perfect credit history for the next 7 years. There was never a 30 day period where they didn't receive a payment. I called them to get this resolved and they said they allowed me to select the option online to make the same payment as the previous month without telling me that it wasn't enough to cover the amount due and without any sort of warning that it would negatively impact my credit. I only made the same payment I had been making for months and until this is resolved, I'm paying the price for their lack of communication and disclosure. As an alternative, they could gray out the " Same payment as last month '' payment option which would force the consumer to make the payment that would protect their credit OR call in which would give Capital One the opportunity to clearly explain the consequences of making the lower payment before accepting it. Another option would be to simply bring up a disclaimer window that says, " Making a payment for this amount could negatively impact your credit '' and require consumer acknowledgement before proceeding. In either of these cases, I would have made the higher payment to protect my credit. The account is current so Capital One lost nothing and as the consumer, I'm left holding the bag with higher cost in literally every area of life e.g. credit accounts, insurance, utility deposits, etc. The other aspect that actually makes this contrived is that as it stands, due the poor communication from Capital One, they can charge me a higher interest rate for the next 7 years while my score recovers according to our credit agreement. It appears that not clearly communicating with the consumer pays if you're a big bank because I'm sure this isn't the first time this has happened. Their system is set up for this to be their pattern of practice. It is predatory and covert enough that no one may ever notice unless it's reported.
Consumer complaint received 2022-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I pay my mortgage payments to a servicing company on a monthly ACH. Beginning in XXXX through XXXX, my payment was being withdrawn from my account, but not being applied to my mortgage. They were being put into an account, " unapplied funds ''. I found out because when I noticed my XXXX payment had not been deducted from my bank account by the specified date, I called customer service. It was then that I found out that there was over {$5000.00}. in this " unapplied funds '' account. By now they were saying I was delinquent on my loan. I have all of the ID numbers on my bank statements to prove the funds had been removed. 
The amount of the unapplied funds was {$7000.00}. It has finally been updated, but even after it was properly applied, I received a statement dated XX/XX/2022 stating I was 133 days delinquent. 

Not only did they not apply my mortgage payments, but in XXXX, XXXX, I paid {$500.00}. towards escrow. It had been applied to the mortgage, and it took me a few months to get that sorted even though I wrote " escrow only '' on my check which was attached to a payment coupon from the company that said " escrow payment ''. I got that sorted in XXXX and it was not applied to my escrow until XXXX, and I see no acknowledgement on my statements or any other correspondence, just what the customer service rep told me.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CO)

I started the mortgage process with Wells Fargo requesting a {$260000.00} mortgage with a 3 % downpayment, received the approval and commitment letter. 

Over time various documents were requested and I submitted them to their document management system, the documents submitted were then later claimed by Wells Fargo as never received. One such document I sent over was the Sales Contract and Addenda. With all of those documents in place and respective commitments fulfilled on my end, Wells Fargo decided they needed MORE documents before they could provide a closing disclosure. They decided more documents were needed the week of closing ( two days before closing as a matter of fact ). The document in question was in regards to an HOA insurance policy document, which not specified anywhere on the commitment requirements, and it suddenly became a requirement two days before closing. 

So now the sales contract is in jeopardy and I am likely going to lose out on this sale and {$1500.00} ( earnest money ) + the over {$1000.00} spent on inspections, appraisals, and other fees associated.
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: EQUIFAX, INC. (TX)

XXXX  XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXXXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute  all ftc violations enclosed and listed here
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX XXXX XXXX {$21000.00} Opened XX/XX/XXXX XXXX XXXX {$15000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$11000.00} Opened XX/XX/XXXX XXXX  - XXXX XXXX {$6000.00} Opened XX/XX/XXXX XXXX {$4000.00} Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-07-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

Company calling Stating I owe a debt I wasnt aware of it not the debt Even old to the XXXX Jefferson capital Llc owed to them I dont owe them I sent a letter asking for original contacts no information came yet a still reporting on my credit report the company name is Jefferson capital Llc
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

We are homeowners who have lived in our home for decades and have NEVER been late on a payment. Our mortgage servicing was sold by XXXX to Nationstar ( who market as " Mr. Cooper '' in a phony attempt to be " human '' ) several years ago. Our mortgage is due on the XXXX of the month but with the grace period it is actually payable up until the 15th. Needless to say I ALWAYS pay close to the 15th -- who wouldn't? -- and this should be very obvious to Nationstar. However, for at least the last several months, every month on or around the 7th of the month I get an automated call from Nationstar telling me to call another of their 800 # s. When I call I get voice response messages with selection options that more than imply there is some presumption that we are about to go delinquent on our mortgage. 

We are living under enough stress already under the stay-at-home order and other disruptions to our lives caused by COVID. At this point I feel that Nationstar is harassing me, or somehow has singled me out for differential treatment not based on any facts related to our stellar payment record on our mortgage. However, it is impossible to get a human being on the phone to ask them to go away. Are they assuming because I am a woman I will be late? Because I am over XXXX? It is hard to say. 

Please can you make them go away and stop robo-calling me for no reason. If there is a real matter they want to discuss they can send me a real email from a real human being. However, there is none I can identify as we are prompt payers, have no other relationships with Mr. Cooper, nor after this treatment would we ever. Mr. Cooper is a joke. Their treatment of me is harassment. 

As a former banking executive I know that this complaint will have to be handled directly by Nationstar. SInce they have treated me so poorly and make it impossible to get in touch with them directly with ease I was left with no choice but to route this issue to you. Perhaps now they will listen and stop these practices. 

Thank you.
Consumer complaint received 2020-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

a collection agency called National Credit Adjusters put a collection account on my credit from a payday loan. I never had an account with XXXX XXXX. I contacted this agency and informed them that it is not my account and requested validation via Certified mail. They won't send me anything and they continue to report this mistake on my credit
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 — Account information incorrect
Company: EQUIFAX, INC. (MI)

Equifax ; XXXX  and XXXX  are reporting incorrectly that was late in XXXX, XXXX and XXXX, XXXX on XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was consolidated in XXXX and should not be reporting any lates. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
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: EQUIFAX, INC. (FL)

I am sending a request again from your good company to remove the accounts that are being disputed. It is in the law that unverified accounts should be removed, yet the accounts are still reported. I sent a dispute last XXXX. Please check the attached and I also included my letter to be sent today. I hope you could help me with this because I am getting more frustrated with how the bureaus are responding to my request. Thank you!
Consumer complaint received 2022-07-14
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: EQUIFAX, INC. (IL)

I filed CFPB Complaints # XXXX, XXXX, and XXXX last on XX/XX/XXXX but it seems that my complaint was closed upon checking it. I would like to resubmit a complaint to you today to remove unverifiable accounts, inaccurate personal information, and inquiry : XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX & XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$55.00} ; XXXX ; that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-03
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, XXXX Account # XXXX and XXXX XXXX Account # 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 an account without my written instructions.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The vehicle is a XXXX XXXX with vin XXXX and the account number XXXX. 

I paid a XXXX lease in full and returned the vehicle in pristine condition, and well under the mileage limit allowed from XXXX XXXX to XXXX XXXX. 

I was told that there may or may not be an additional payment depending on XXXX 's final evaluation of the vehicle. I was in the process of moving from XXXX  to XXXX  in XXXX and lost track and contact with the company through time. 

The account was showing a status of " Paid, closed '' previously but ended up going in to a collection status for {$380.00}. I thought there was a mistake so I disputed it and around that time my credit score decreased by 100 points. 

There was a lot of confusion so I payed the additional payment but the account status is now showing up as 24 Charge off 's. This is frustrating because its derogatory and looks bad after I paid in full as agreed for {$17000.00} plus the exiting {$380.00}, and is obviously affecting my score negatively. 

I tried contacting XXXX several times to try and come to terms on this, but I keep getting shifted around, or I need to set up a new account but don't have information to start an account etc.. They're very difficult to work with, and to get in touch with the right people seems nearly impossible.
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. (TX)

XXXX XXXX XXXXXXXX  XXXX XXXX are the amounts XXXX XXXX XXXX  showing collection unknown ftc violations The National Credit Union Administration ( NCUA ), along with four other federal regulatory agencies, recently released guidance about the repeal of certain credit practices rules applicable to federal credit unions, banks, and savings associations.1 The enclosed guidance clarifies that, despite the repeal, the agencies still have supervisory and enforcement authority regarding unfair or deceptive acts or practices, which may include the practices prohibited by the former credit practices rules.2 With respect to federal credit unions, this repeal will affect NCUAs regulations in Part 706 of Title 12 of the Code of Federal Regulations that generally prohibit : the use of certain provisions3 in consumer credit contracts, the misrepresentation of the nature or extent of cosigner liability, and the pyramiding of late fees.

They have not even looked at it or tried to fix it all under NCUA law
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX  XXXX XXXX are the amounts XXXX XXXX XXXX showing collection unknown ftc violations The National Credit Union Administration ( NCUA ), along with four other federal regulatory agencies, recently released guidance about the repeal of certain credit practices rules applicable to federal credit unions, banks, and savings associations.1 The enclosed guidance clarifies that, despite the repeal, the agencies still have supervisory and enforcement authority regarding unfair or deceptive acts or practices, which may include the practices prohibited by the former credit practices rules.2 With respect to federal credit unions, this repeal will affect NCUAs regulations in Part 706 of Title 12 of the Code of Federal Regulations that generally prohibit : the use of certain provisions3 in consumer credit contracts, the misrepresentation of the nature or extent of cosigner liability, and the pyramiding of late fees.

They have not even looked at it or tried to fix it all under NCUA law
Consumer complaint received 2023-01-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : XXXX  Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : XXXX Account Type : Charge Off, Deposit Related Account # : XXXX