davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: National Credit Systems,Inc. (TX)

At the apartment complex, XXXX XXXX XXXX, which I lived in at the time said email was not a written form of notice. By law, email is a form of written notice in the state of Texas. All months of rent that were included in the leading contract were paid. Payment was never behind and always on time. Returning the apartment keys in which I was living in, they informed me they never recieves notice, nor did they have the many complaints about mold in the facility I happened to be living in while XXXX. Proof remains in my hands, and after presenting them with this proof, they still denied everything. Legal action was taken and a lawyer sent a legal notice to the office. There was never a response. I, or the cosigner, never recieves any disclose that we would be sent into collections. We will take legal actions, obtain medical records of the illness I developed while living in a moldy apartment, and will provide evidence and proof of necessary, showing we were wrongfully sent to collections.
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MD)

I am getting tired of this. Our house is underwater, and has been for quite some time. We 've had the house on the market for over a year. We finally received an offer 6 months ago and the bank is still playing games with the buyers. They went out and got a VA appraisal which came in at {$420000.00}. They made an offer of {$400000.00}. The bank has finally come down to {$430000.00}, to which our buyers counter offered {$410000.00}. At this point they are very close to the VA appraisal, but Chase will not work with these buyers or this appraisal. Chase has been playing around with this for 6 months now totally disregarding the appraisals. All we want Chase to do is to take the VA appraisal into account and work to sell the house.
Consumer complaint received 2023-05-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Giggle Finance Inc. (MA)

Hello, I am writing to file a formal complaint against Giggle Finance, a company that markets a financial product that is misleading and deceptive. The product in question is marketed as a loan, but in reality, it is not a loan at all. Instead, it is a purchase of future revenue from the borrower 's business earnings. This deceptive marketing practice is both illegal and unethical, and it puts vulnerable borrowers at risk.

Giggle Finance 's website repeatedly markets the product as a loan, even though the contract explicitly rejects the notion that it is a loan. This is a clear case of false advertising, as it misleads potential borrowers into thinking they are getting a loan when they are not. The website also fraudulently promises that borrowers ( who are actually " sellers '' of their future revenue ) have " extreme '' flexibility with repayments and can repay their " loans '' at their own pace. However, the fine print in the contract requires them to pay a required amount weekly, which is far from flexible. 

This deceptive marketing practice puts vulnerable borrowers at risk of financial ruin. Many people who take out loans are already struggling financially, and they may not fully understand the terms and conditions of the loan they are taking out. By misrepresenting the product as a loan, Giggle Finance is taking advantage of these vulnerable borrowers and putting them in a worse financial situation. 

Therefore, I urge the CFPB to investigate Giggle Finance 's marketing practices and take appropriate action against the company. This kind of misleading and deceptive marketing is both illegal and unethical, and it should not be tolerated. 

Thank you for your attention to this matter.
Consumer complaint received 2021-11-06
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. (TX)

I received the following reply for CFPB Complaint # XXXX This complaint lists someone the company does not recognize as their customer or their customers authorized representative. Experians reply didnt make sense and was in error for that reply. Thus, I am resending the following complaint again -- -- -- - Experian is political like Washington and believes the American public isnt smart enough to know all of the attorney games. Experian is scared and following the guidelines of a typical game playing attorney who is out to lunch like the other attorneys running Washington into the ground. I couldnt work for Experian because I have much pride and self-respect. On Complaint # XXXX, I complained -- Experian gave my credit report to XXXX  XXXX XXXX XXXX on XX/XX/2017 without my permissible permission. It was used for a fraudulent loan but that is not the issue today. The issue is I did not give permissible permission for Experian to send out my personal information. Experian has repeatedly over the past 4+ years forwarded the complaint to XXXX XXXX XXXX XXXX who simply denies. However, Experian has accountability just like XXXX XXXX XXXX XXXX. I requested Experian research the permissible permission used by their client, XXXX XXXX XXXX XXXX. Send me what XXXX XXXX used to access my credit report from Experian because they didn't have my permissible permission and send this to me. This complaint is directed solely to Experian because they are holder of my information and released my information without my permission. Again, Experian needs to send explanation of why my information was sent without my permission. Experian replied - We've sent your complaint to the company, and we will let you know when they respond. And then replied - This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. Same rhetoric for the last 4 years to play games. This is totally unacceptable and I will continue to repeat myself. Experian has the responsibility to release my information only with my permission. Where is the permissible permission? I have yet to receive.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Thru numerous letter disputes I've sent out on XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, and on XXXX. XXXX, XXXX ... I've pleaded with the XXXX, Experian, and XXXX that they were reporting inaccurate information due to the following accounts : " XXXX XXXX which is an account that was removed from my credit report and now reappears and as the information reporting clearly determines its an re-aged account and the information reporting doesn't add up, meaning how can a account be opened in XX/XX/XXXX and have date of last activity of XX/XX/XXXX? Account : XXXX XXXX : which shows on some bureaus as Charged-Off/Collections and on others as " Open ''? How is this the case especially when the charges to the account was made by someone other than myself as I told them without my permission and their employee authorize the transaction, which I shouldn't be held accountable for ... Account : XXXX XXXX XXXX : an account that has clearly not been investigated or verified properly because I've never had an account or credit card with such company and my SSN doesn't match that person they're accusing. Account : XXXX XXXX ... account is reporting inaccurate information by all 3 bureaus as I pointed out on the above dates and neither is yet to send the proper documents or paperwork verifying the account. Simply due to the above facts and information taken from the individual credit reports, these accounts should be removed from my credit file as its hindering me from obtaining the lifestyle of having excellent credit or building decent credit. Again I've pleaded with them and pointed out the mistakes on the credit reports and all they seem to come back with is this account has been verified, which is not true. I've even reached out to the original creditors with no response of verification of said accounts, not to mention neither bureau responding to my XXXX. XXXX, XXXX dispute letter, which is way beyond the 30-45 days that's required by law.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

After XXXX reversed two payments on my account that they told me were maturity fees after paying my loan off XX/XX/2021 they said would Now fix my credit from the fraudulent reporting. After dealing with this horrible situation i want to make sure this process is done i worked to hard just to be violated by companies like XXXX i want this process completed
Consumer complaint received 2020-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stuart-Lippman and Associates, Inc (NC)

Today, I received a letter stating that I supposedly owe XXXX to XXXX XXXX XXXX XXXX. There was no known prior notice of any supposed debt. After reviewing my call records, I see that a call was received on XX/XX/2020. There was no voicemail message left. 

XXXX XXXX violated 15 USC s 1692 ( g ) ( a ) that says " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' The company has violated the above federal law when it failed to provide written notice within five days, as required. This company seems to have had numerous issues with its debt collection practices, which makes this situation very questionable. I can not possibly validate information when information is not made available in a timely manner as required by federal law.
Consumer complaint received 2021-11-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I have been sending advanced principal payments to my Carrington mortgage services LLC, which recently began servicing my mortgage. Carrington refuses to apply the funds to my principal balance in the period they were received.

I have discussed the curtailment of my payments with a Carrington CSR that informs me that the payments will not be applied to my account until the curtailment balance is equal to the full monthly payment amount. I explained that this policy results in the paying of interest on a principal balance that is overstated by the amount to the advanced principal payments. Paying interest on monies that have already been paid. 

I believe this violates my consumer rights and several mortgage regulations. Paying interest on the overstated balance amounts to an advanced principal payment penalty. Also, raises other questions such as the interest dollars charged are greater that is spelled out in the loan agreement is the TIL no longer accurate? What if a client stops making the advance principal payments without reaching the amount required by Carrington to actually apply the payment to my principal balance? Do the funds just sit in Carrington 's account? Am I earning interest on my money in curtailment? Is Carrington?

Carrington Mortgage must be compelled to change its procedure to comply with applicable laws and regulations. Carrington mortgage should apply all payments to a customer 's account in the period that it was received.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FLORIDA HOME TRUST MORTGAGE ()

Hi, I'm XXXX XXXX XXXX from La XXXX, XXXX XXXX, XXXX. Recently, I founded a company in Wyoming called XXXX XXXX ( XXXX XXXX ). Since the company was in process, I was trading with an account in XXXX in XXXX XXXX without any problems for about three months. However, when I accumulated more than {$10000.00}, they froze my account and asked me to send them proof of the transactions. I sent them evidence showing the item sold and the selling price that corresponds to the money that entered my account, but they haven't responded to me for more than 5 days. I need the money to work and fund my company. How can I recover my money?
Consumer complaint received 2021-11-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc. (GA)

CARTER-YOUNG INC at ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX ) has been sending me collection notices in the amount of ( XXXX ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company Carter Young Inc. This company does not have a contract with my signature.

Also, Carter Young Inc sent me part of my medical records or personal information. I intend to make an official complaint because they have violating HIPAA and I did not authorize them and I did not sign a HIPAA form authorizing this agency to access my medical records.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Experian Has Listed 39 Opened Accounts. FALSE. 

Experian Does Not Indicate That I, The Customer, CLOSED My XXXX Account. And, That I Had Been With XXXX  Since XXXX  With Excellent Payments, And Up To A XXXX Limit. 

My XXXX  Account Is Listed Within The Credit Report With A BLANK SPACE? AND THEREBY APPEARS SUSPICIOUS. 

My Current Credit Card Balances Are NOT Disproportionate To My Limits. 

Positive, Creditworthy Information Appears To Be OMITTED, OR DELAYED While There's NO HESISTATION Between The Three Agencies TO LIST The One " XXXX  XXXX 's '' Collection For A Pay Day Loan That I've DISPUTED. REPORT WITHHOLDS THE FACT That I'm DISPUTING This DEROGATORY Information.
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MO)

A 3rd party insurance claim check in the amount of nearly {$41000.00} to initiate home repairs was received/endorsed by Nationstar. They advised they mistakenly applied the check to our existing outstanding mortgage ( which was less than {$2000.00} escrow included ). This " error '' was discovered in our request to expedite the process. A representative advised the most expedient way to obtain the funds would be to sign an affadavit consenting to their " error '', then the remaining funds would be release via check to us, not the contracted provider-despite all documentation advising otherwise. We, nor the contractor, have received payment OR disclosure of this " revised '' procedure. This hideous, fraudulant-appearing, " mistake '' began mid-XX/XX/XXXX, yet not documented until XX/XX/XXXX. ( See attached. ) Several requests for explanation, documentation, and expedion of said funds have been delayed, ignored, or misdirected. The most recent advice, received on XX/XX/XXXX, is that release of the funds require a minimum of 30-45 days to process. Nationstar advised the " start '' date of that process is that of when they process the necessary paperwork NOT that of when they endorsed the check so who knows when to expect the money. Meanwhile, our home awaits a much needed roof. 

The complaint begins with XXXX not advising us in a timely manner of the sell of our mortgage. This, in fact, complicated the process from the onset, as the initial insurance claim check was written to them as the 3rd party. A total of 4 different checks were submitted by the insurance company due to the lack of timely communications between mortgage companies and us, and the inaccurate processing from NationStar. Secondly, NationStar applying home repair funds to the mortgage, then requiring approval to proceed.
Consumer complaint received 2020-06-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (CA)

Ally financial has promised to collect vehicle at lease expiration but has consistently failed to do so. The lease is more than 6 weeks past expiration and past the date Ally promised to collect. Ally has subsequently stopped communicating with us. Calls and emails to supervisors and executive management have gone unanswered. Ally has told us that we are responsible for the safekeeping of this vehicle. Some folks from Ally have lied about California COVID laws preventing them from arranging a pick up other car lessors have picked up expired leased vehicles during the same time period that Ally said it was not possible. There is never a consistent story from person to person at Ally. The only consistency is that ally expects customers to store vehicles that no longer belong to the customer at the customers property free of charge and to keep paying for insurance even though we are not using the vehicle. We know that XXXX XXXX XXXX  has managed to collect vehicles without causing anywhere near as much difficulty that Ally has. Allys responsiveness to consumers during this crisis and its expectation that consumers should provide Ally free safekeeping of Allys vehicles is abhorrent. ( Ally has also failed to provide, upon multiple requests, any nearby locations or any locations at all where the expired vehicle could be surrendered. )
Consumer complaint received 2021-11-06
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: WELLS FARGO & COMPANY (DE)

Affidavit of Truth I have inaccurate information reporting on my XXXX credit report. There is a Wells Fargo Dealer Services account # ( XXXX ), that was disputed and removed by XXXX for inaccurate reporting on XX/XX/2019. However, this account was reinserted on my credit report without sending me a pre-sell or post-sale letter after the repossession. Also this account was deleted from XXXX and XXXX. I have a letter from the creditor ( wells Fargo Dealer Services ) admitting that they are reporting an inaccurate high balance to my XXXX credit report. Furthermore, without my knowledge Wells Fargo 's performed a 1099-c to cancel the alleged debt. In conclusion this debt is cancelled, the account was removed and reinserted to my credit report, the High balance is incorrect and XXXX, XXXX an XXXX report This Wells Fargo account differently. Please hold Wells Fargo and XXXX accountable under The laws of the U.S.C and U.C.C codes and Fair Credit Reporting Act. Please remove this account immediately, otherwise I will exercise my rights under the law for remedy. I've also attached documents proving why this account needs to be removed immediately. Thankyou.
Consumer complaint received 2021-11-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

Account Name : LVNV FUNDING LLC Account Number : XXXX Balance : {$950.00} This letter is a formal complaint against LVNV FUNDING LLC, a collection agency located at XXXX XXXX XXXX XXXX SC XXXX .They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies.

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable.
Consumer complaint received 2021-11-06
Product: Vehicle loan or lease — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC (NC)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on BMW FIN SVC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-06
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: CITIBANK, N.A. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BBY/CBNA XXXX Balance Owed : {$4200.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.