davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

On XX/XX/year> my Social security was deposited into my Cash app account. A few hours later I received a text from cash app saying my a phone number had been added to my account. I got another one a few seconds later that my email had been removed. I tried logging into my account and could not. So I called cash app support and told the representative what was happening so they checked the account and finally got me back into it when I got back in I told the representative that there were transactions that were made while had no access to the account he said yes that he could see that but he would not lock the account or that he could not refund the money until the transactions had completed because they were still pending. So we hung up a few hours later i was at work and I got a message saying my phone and email had been removed from my cash app account so I called cash app again and told them the problem they got me in the account and u noticed a bitcoin transaction had been made. I immediately told the representative and gave them the bitcoin address it was bought for {$400.00} and sold {$410.00} a few min later now cash app refunded {$54.00} for the money taken but told me there was nothing I could do because it was bitcoin. 
Now on XX/XX/year> cash app has locked my account for fraudulent activity which this time it was me making the transaction. But am being denied access to the account. My electric has been shut off twice while cash app has denied me access to my account.
Consumer complaint received 2019-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-06-28
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. (FL)

Im in disagreement with the account listed below which still appear on my credit report, even after your investigation. I would like this immediately reinvestigated. The inaccuracies are highly injurious to my credit scores. XXXX/account number XXXX In accordance with the fair credit act, public law 91-506 title VI section 611. Provide the names and business addresses of each individuals with whom you verified the follow up. Please sed me an updated copy of my credit report after reinvestigation
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

See below ; the events occurred in XXXX : XX/XX/XXXX : I put a check in the mail for approx. $ XXXX USD that was for the IRS. Later in the month, I saw that the check cleared via the Chase app. There was no picture of the check, so I assumed the check cleared to the IRS. 

XX/XX/XXXX : As I was preparing my XXXX taxes, I noticed the check was a mobile deposit to an unknown person into a Chase account. I went to a Chase branch the next day to explain the issue, and I was told by the staff this was fraud and I would get my money back. Two weeks later, I went to Chase again and they escalated this to the fraud department. 

XX/XX/XXXX : Chase said it had been too long from the time the check was cashed to when I reported it. The branch manager agreed this was wrong, and she wrote a letter to the Fraud department but it was denied. The branch manager told me to file a police report and send through to the Fraud department. 

XX/XX/XXXX : I filed a police report, and sent this to Chase along with the supporting documents. The staff at Chase thought I would get my money back, and I assumed the same. The claim was denied, and I was told I would not get a refund.

As per the UCC, this is a forged endorsement and " Under UCC 4-406 ( 4 ), a member has three years from the date the XXXX XXXX  XXXX XXXX his account statement available to notify it of a forged endorsement ( XXXX ) ''. 

If this issue is not resolved, I intent to file a small claims case as well.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (WA)

On XX/XX/2024, received notification from XXXX that my credit had been checked by " CB Indigo '' in XXXX, XXXX for a credit card. My wife got the same notification at the same time, but she had her credit frozen at the time. I immediately froze my credit and reached out to XXXX to remove the hard inquiry from my report, which they did. The hard inquiry did not show up on my XXXX or XXXX reports. 

When calling the XXXX number listed on the hard inquiry, it took me to a very sketchy sounding " debt collection agency '' and asked me for my SSN. Not wanting to provide that information to an unknown entity, I hung up the phone.
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (NY)

Nationstar Mortgage LLC d/b/a Mr. Cooper has just started foreclosure process against my mortgage debt as of XX/XX/XXXX. XXXX initiated foreclosure in XXXX. Since New York has the 6 year statute of limitation, is it legal for Mr. Cooper to start their actions after the expired statute of limitation. Also, in their complaint they state that I defaulted XXXX XXXX, XXXX. However, I haven't made any payments since XXXX 's action and also, my mortgage was transfered to Mr. Cooper XX/XX/XXXX... I called and verified.
Consumer complaint received 2024-08-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC (TX)

In XX/XX/XXXX, a debt was settled on my behalf by a debt settlement company to pay off a loan owed to XXXX  XXXX. All payments were made in accordance with the agreement as of XX/XX/XXXX. I recently received a notice by email from XXXX XXXX informing me that my debt was about to be sold. I was surprised as all payments had already been made to settle the account. 
On XX/XX/XXXX and XX/XX/XXXX, I reached out to XXXX XXXX confirming my account had been settled and sent copy of the payments made alongside the settlement agreement however, I did not receive a response. I received another email on XX/XX/XXXX informing me that my debt had been sold to a collection company. I have since been contacted by the collection company to pay the debt.
Consumer complaint received 2019-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (GA)

American Express increased the minimum payment percentage without notifying me or my consent from 1 % to 2 % of the cards balance. 

My first payment made for the 2 % minimum was XX/XX/XXXX. 

I called them about the situation, they stated that they sent an email notifying all cardholders of this increase in minimum payments. However, I have no email from them. 

I asked them to resend the email that originally sent. They stated that the marketing department is over that issue and there is no way to get in touch with them. 

After a few minutes of nagging, I convinced the customer service representative to contact a manager about the situation. He did so and said that they will resend the email if the notification. 

This call took place late XXXX. I still havent received the email of the notification for increasing the minimum payment.
Consumer complaint received 2023-11-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (IL)

I submitted an auto payment on my account with XXXX in XXXX of 2023. XXXX, XXXX, XXXX all came out on auto pay but they did not pull XXXX. They did not notify me in any way of a late payment and then XXXX night I see a pending charge for XXXX payments. When I called they then told me that I was not on auto pay and they had never attempted the XXXX payment and could not provide me any information on the previous payments. They continued to state that I was wrong and I had been logging in, but could provide me no information. I told them that these were fraudulent to which they told me it must have been me. 

This company is extremely hard to deal with and very unprofessional. I understand auto-pays and my responsibility to ensure they are made regardless of set up as I work for a financial institution. However, I am confident that there is an error on their end that they are not owning up to in this instance. I am upset that they refuse to provide me any documentation or information and rather just keep telling me I am wrong. 

I have requested in addition to this a copy of the payment terms that they are saying I agreed to and they are saying there is no such thing that they can provide.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation (GA)

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have not been able to access my bank account at Bank of America for the entire day today, XX/XX/year>. 

According to the bank telephone representative, and to the news media, other clients are also unable to access their Bank Of America accounts. 

Bank of America has not been transparent in communicating the outage to customers, nor have they given any indication of when our funds would be available. 

I have bills to pay, that can not be paid because I can not access my accounts.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (PA)

I have never applied for no Discover card nor applied or charge nothing on no discover card. 

Discover has false information on my credit file There is fraud on discover placing a such debt on my credit file. 

Discover has yet to provide any contract me applying charging or my personal info on this said account. 

I have spoke to an attorney on this matter about filing a Federal Law Suit. 

I have also filed with US Attorney Office on this matter with Discover
Consumer complaint received 2024-07-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIRSTBANK PUERTO RICO (PR)

XXXX XXXX is the loss mitigation representative who wrote by email on XX/XX/XXXX requesting the divorced co-borrower 's information in order to complete the loss mitigation application. 
On XX/XX/XXXX, I submitted a XXXX-page loss mitigation application, compliant with CFPB regulations 1024.41. The additional documents were going to be sent in zip format.mat, as indicated in the email with the application. Days later the representative wrote that the coborrower signature and consent was needed to proceed with the evaluation. The bank has failed to comply with HUD and CFPB regulations by requesting the signature and consent of the co-borrower, who is not obligated to participate in the loss mitigation evaluation process. 
According to XXXX handbook XXXX, co-borrowers who are deceased, divorced, serving in the military, or have mental health issues can be excluded from loss mitigation options since XXXX. A clarification issued in XX/XX/XXXX specifies that this applies to trial payments and final modifications. 
.Despite the regulations, the bank 's loss mitigation representative insisted on obtaining the co-borrower 's signature and consent to proceed with the evaluation. This request lacks legal basis and unnecessarily hinders my right to request a loss mitigation evaluation.They failed to fulfill HUD 's requirements for the assumption and release the co-borrower. They failed to explain or follow the steps related to the successor in interest The bank 's insistence on the co-borrower 's signature unjustifiably delays the evaluation of my application again. On XXXX I was approved for a loan modification and made the trial payments as requested but then was denied by the lender because they wanted the divorced coborrower to sign the modification.
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Adler Wallach & Associates, Inc. (CT)

I am submitting this formal complaint against AWA Collections for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., in connection with their repeated and harassing attempts to collect an alleged debt. I do not have any knowledge of this alleged debt, nor have I ever conducted business with AWA Collections. They have failed to provide any valid verification of the debt they are attempting to collect and have engaged in unlawful and deceptive practices, including falsely representing themselves as a legal entity.

1. Violation of FDCPA Section 805 ( 15 U.S.C. 1692c ) Communication without Consent AWA Collections has repeatedly contacted me via phone without my prior consent and in violation of 15 U.S.C. 1692c ( a ). At no point have I given them permission to contact me regarding any debt or otherwise. I have no contractual relationship with AWA Collections and have never entered into any agreement or transaction with them. These unsolicited communications constitute a direct violation of the FDCPA, which prohibits communication with consumers without their express consent, particularly when no prior business relationship exists.

2. Violation of FDCPA Section 806 ( 15 U.S.C. 1692d ) Harassment and Abuse AWA Collections has engaged in harassing conduct by placing numerous unsolicited and unwelcome phone calls, in violation of 15 U.S.C. 1692d. The FDCPA expressly forbids a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. The repeated calls, despite my lack of acknowledgment of the alleged debt and my demand to cease communications, amount to harassment.

3. Violation of FDCPA Section 807 ( 15 U.S.C. 1692e ) False or Misleading Representations AWA Collections has falsely represented themselves as a legal entity in attempts to collect the alleged debt, in direct violation of 15 U.S.C. 1692e. This section prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. AWA Collections has attempted to mislead me by falsely implying legal authority to enforce a debt I do not owe and for which they have provided no valid proof.

4. Violation of FDCPA Section 809 ( 15 U.S.C. 1692g ) Failure to Validate the Debt Despite repeated communications from AWA Collections, they have failed to provide any documentation or evidence to substantiate the existence or validity of the alleged debt, in violation of 15 U.S.C. 1692g ( b ). The FDCPA mandates that within 30 days of the initial communication, a consumer may request validation of the debt. No such validation or verification has been provided, leaving the nature of the debt and the legal right to collect it in question. 


Thank you for your attention to this matter. I look forward to the swift resolution of this complaint.
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX pay off my loan Wells Fargo would not except a payment unless I gave them a check by phone to be applied within 1-2 business days. I questioned if I would be charged interest daily or monthly I was informed monthly and since I was paid up until XX/XX/XXXX they would refund any over payments and interest but to go ahead and pay the extra interest for XXXX and it would be refunded since my payment would be applied during. XXXX XXXX I have asked for a complete break down of all payments, principle, interest, and extra principle and keep receiving the same break down without. 

I have had numerous issues with wells fargo not applying my payments. They will not give me a corrected 1098. If I pay 15 payments in the year I will only receive the 12 payment due to the amortization schedule. This is incorrect if I pay an amount of interest and taxes in one year XX/XX/XXXX to XX/XX/XXXX I expect my 1098 to reflex so.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (CA)

I paid my loan in full and requested data showing that the loan was in fact paid in full. I received the data showing the loan as paid in full, however, the credit reporting data was not updated to reflect that. I contacted MOHELA and spoke with Supervisor # XXXX who stated that they were reporting paid in full status yet my credit report does not reflect what they claim they are reporting. I have been working with XXXX to try and resolve this issue with no success. XXXX states they report what is reported to them, as a consumer between an organization like MOHELA who states they are transitioning loans and have delays and other problems and XXXX who states they can only post what they receive. I am left with an account on my credit report that shows a balance due while I have data that shows the account as paid in full and the two agencies can not seem to correct my credit report. Please advise.
Consumer complaint received 2023-06-01
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. (NJ)

XXXX  XXXX XXXX reported my XX/XX/2023 mortgage payment as late to XXXX. My XXXX payment was made on time ( XX/XX/XXXX ) and in full ( {$1900.00} ) as reflected on XXXX  XXXX XXXX 's own ledger ( attached ) and my bank statements ( attached ). I reached out to XXXX  XXXX XXXX on multiple occasions ( by phone and in writing ) to ask for a correction but they refused. I disputed the late payment with Equifax and received notification that XXXX  XXXX XXXX had verified the information as being reported correctly. The late payment is still reflected on Equifax report and both Equifax and XXXX  XXXX XXXX refuse to make this right. This is ruining my credit and preventing me from obtaining the credit I need to provide for my family.
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (SC)

I initially began contacting the 3 Credit Bureaus about the 3 delinquent accounts listed on my credit report by LVNV Funding LLC. This process began in XX/XX/year>- XX/XX/year>. When I requested verification of debt none was sent from all 3 Credit Bureaus. XXXX and XXXX deleted the accounts ; however, XXXX refused to delete the account that has been negatively impacting me. XXXX told me to contact LVNV Funding LLC directly, which has been the first FTC violation as the credit bureau has to provide verification for why the incorrect debt is being reported to my credit report. Over the months LVNV Funding LLC began reporting to all 3 bureaus again. I began to feel like this company was a scam ; therefore, I wrote them a letter dated XX/XX/year>, stating that I request was requesting VALIDATION OF DEBT made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I specifically asked for the following : 1 ) Agreement that LVNV FUNDING LLC has the authority to collect on this alleged debt. 2 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the LVNV FUNDING LLC . 3 ) Any insurance claims that have been made by any creditor regarding this account. 4 ) Any judgments obtained by any creditor regarding this account. 5 ) Name and address of alleged creditor. 6 ) Name on file of alleged debtor. 7 ) Alleged account number. 8 ) Address on file for alleged debtor. 9 ) Amount of alleged debt. 10 ) Date this alleged debt became payable. 11 ) Date of original charge off or delinquency. 12 ) Verification that this debt was assigned or sold to LVNV FUNDING LLC. 13 ) Complete accounting of alleged debt. 14 ) Commission for debt collectors if collection efforts are successful.

I asked for all this information to rule out scam and/or potential fraud as I have never done business or promise to pay any company named LVNV Funding LLC . It has been nearly 60 days and LVNV Funding LLC has yet to verify the debt. None of the information I requested was sent, yet they continue to report false and harmful information to my credit report. Furthermore, the have sent me incomplete paperwork from the XXXX XXXX XXXX threatening to sue me about the very debt I asked for verification about. This feels like a bullying tactic to get me to pay for something I do not owe. I am being harassed with a mounting of letters " so-called '' amounts owed, but still no verification of debt owed. It is not right that this company I never done business with have the right to report false information on my credit report when I stated that all communication should stop if verification of debt was not received after 30 days from receiving the letter I sent to them. This is a huge violation of 15 USC 1692g Sec. 809 ( b ) of the FDCPA. This is my last remedy of this issue before a consult legal counsel about this matter.
Consumer complaint received 2023-08-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.