davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

Hello, This is XXXX XXXX, using XXXX acct due to the same email address, I am on the loan. 

I am trying to get the PMI remove from mortgage payment and the lender Lakeview is being difficult. They want me to pay for a XXXX, which I am a realtor and already paid for one a couple of years ago. The value of the properties around mine have gone up tremendously as shown by the attached XXXX report. We bought in the community early and the same floor plan with similar features have some by the builder at {$150000.00} to almost {$200000.00} above what we paid for it ( see attached job order summary lot # XXXX ). For the past 2 years properties sold after my home were sold much higher prices, over the 20 % higher than what I paid. The report includes a XXXX and report of home prices sold that are much higher than my home by the builder and also resales for the last year. Also in the attached report, I have included solicitation from my lender about the equity value of my home and I should refinance or get a HELOC. They literally show the equity value of my home as it has been growing! The Lender is obligated by regulations to drop the PMI on a home when its value is greater than 22 % of the loan amount. They have rejected my request 2x despite growing values they, themselves have determine for my home.
Consumer complaint received 2024-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CO)

Nationstar dba Mr. Cooper has an obligation to refund monies for overpayment at the time of the loan payoff. My first contact was an inquiry on XX/XX/year> which stated that overage would to be returned in 20 days. On XX/XX/year> we paid off our loan and on XX/XX/year> Mr. Cooper issued a check only to put a stop payment on it which my bank then withdrew the funds from my account. Since then, I have had several interactions with Mr. Cooper. On XX/XX/year> I was told I would received the funds in 5-7 business days which, would have been XXXX. On XX/XX/year> I still had not received the funds and I was instructed to supply a voided check so the funds could be electronically deposited within 3-5 business days. I provided it but was told it was rejected since the check did not include both names, myself and my husband. We do not have a joint account, nor did we when the monies were loaned to us. I replied with my resolution recommendations along with inquiries as to what comes next, but all requests go unanswered. I have now been attempting to get the funds that are rightfully mine for over 3 months.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC. (TX)

On XXXX of 2021 Ally Bank report an Repossession and then later change it to charge off. 
This is not correct the car was repossession from an former business partner of mind and and since the writ of sequestration was issued wrong Ally Bank owes me an bond or remove the account. If Ally Bank refuse it will leave me no choice but to file suit against Ally Bank under the Fair Credit Reporting Act.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (LA)

I am writing to demand the immediate deletion of a closed account from my consumer report in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and pertinent provisions under the Code of Federal Regulations ( C.F.R. ). The account in question, associated with your institution, adversely impacts my credit report and fails to accurately reflect my creditworthiness. Under 15 U.S.C. 1681c, the FCRA mandates that information on credit reports must be accurate, complete, and verifiable. Furthermore, 12 C.F.R. 1022.1 enforces the requirement that all reported information must reflect the consumers true credit history. This includes the prompt deletion of any data that does not meet these standards. Moreover, adherence to the Metro 2 format guidelines, which standardize credit reporting practices, requires that accounts closed by consumers be reported accurately to avoid misrepresenting their credit status. The account in question is : Account Number : XXXX Date Opened : XX/XX/year> I demand that this account be immediately removed from my credit report. Additionally, I require confirmation that this account has been deleted from all primary credit reporting agencies, including XXXX, XXXX, and XXXX, as well as any secondary reporting agencies to which you report. Failure to comply with this demand will necessitate further action pursuing legal remedies to enforce compliance with federal regulations. Given the clear mandate of the law, I expect this account to be removed from my credit report without delay. Please confirm receipt of this demand and provide written confirmation of the actions taken to rectify this issue. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-08-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (MA)

Dear SpringOaks XXXX XXXX ; XXXX XXXX ; Dear Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in [ State Name ]. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp. (NJ)

To Whom It XXXX Concern, I am writing to formally dispute the amount of debt reported on my credit profile regarding a loan from United Auto Credit Corp. The amount reported is {$8800.00}, which is incorrect. 

This debt has been charged off to collections, and I believe there has been a mistake in the reporting process. I kindly request that the Consumer Financial Protection Bureau investigate this matter and ensure that my credit profile is either updated with the correct amount owed or that the United Auto Credit Corp entry in the amount of {$8800.00} is removed entirely from my credit report. This correction must be made with all three credit bureaus. 

It is illegal to maintain inaccurate information on my credit report, and this error is negatively affecting my credit score and trustworthiness. I have documentation supporting my claim, including statements and correspondence with United Auto Credit Corp, that I can provide upon request. 

I trust that you will address this matter promptly to ensure the accuracy of my credit report. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (TX)

A balance transfer was made from Citibank to American Express for a sum of XXXX. The money was sent to the wrong account. Citibank said the account number was off by a digit and they can not do anything since it was successfully sent. They provided a trace id number and a customer id number to give to the receiving bank. American Express said they can not work with the trace id number because they do not have access to citis account. They asked that citi provide a transmittal form with the account number they money was sent to. Citibank told me they are not able to provide that over the phone or through email but they will call American Express to help with the investigation by providing the form requested. A few weeks after, I received a generic email from Citi telling me my claim is closed and here is a trace id number. No call was made from citi to American Express. American Express also closed their claim. Im stuck with XXXX $ of money I never used plus the previous XXXX $ I was owing. Every effort to resolve this with both bank is proving abortive and no one is willing to provide the account where the money was sent. Or retrieve the money and credit it to the right account.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-08-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC (AZ)

I received an annual escrow account disclosure statement in the mail from Village Capital Investment, LLC ( VCI ) with an analysis date of XX/XX/year> informing me that I will be receiving a surplus of {$4000.00} via check. The escrow surplus summary states " Village Capital Investment, LLC will refund this surplus by check within 30 days, provided your loan is current. ". Per the Real Estate Settlement Procedures Act ( RESPA ), mortgage holders are required to return an escrow surplus to the borrower within 30 days after the competition of the annual escrow account analysis. The online banking portal for VCI shows a disbursement from my escrow account on XX/XX/year>, 31 days after my annual escrow account analysis date. 

I would like to note that the automated phone message for VCI prior to being connected to a representative states ALL calls are recorded. After seeing the disbursement from my escrow account, I called VCI to inquire on how long the check would take to arrive and I was told to give it up to two weeks from the disbursement date. Per that information, the check should have arrived by XX/XX/year>. 

On the morning of XX/XX/year>, called VCI to inquire on the status of the disbursement. Before the representative I was connected to hung up on me, I was told that they were able to see on their end that another check was mailed out on XX/XX/year> but was unable to provide me a tracking number or reason on why the checks are being mailed past the 30 days allotted by RESPA. It has now been 46 days since my annual escrow account analysis as of XX/XX/year>. 

It is unjust for mortgage holders to impose late fees on borrowers while they fail to return an escrow surplus in a timely manner with no repercussions on their end. These are funds my partner and I have been waiting for and are in need of given our current financial situation. Any help with the matter would be greatly appreciated, thank you.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC (WA)

Finally paid some of the balance from Revvi credit card a week ago to get my account back but I tried to sign in today and couldnt. Called customer service and found out account was closed and was told you need to pay the rest in order to not get charged. So this account was closed months ago but was never told or sent any letters about it. Not even from any collection agency. XXXX is definitely scamming people and this is outrageous
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United Resource Systems, Inc (TX)

Dear UNTD RES SYS, I am writing to formally address a serious violation concerning the unauthorized reporting of information to my credit report. This issue is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the Texas Finance Code under Sections 392.301 and 392.305, and identity theft laws as outlined in the Texas Penal Code Section 32.51. 

It has come to my attention that UNTD RES SYS has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, consumer consent is a mandatory requirement for any credit reporting activities, as stated in Section 1681b ( a ) ( 2 ).

Moreover, Texas state law reinforces this requirement. Section 392.301 of the Texas Finance Code clearly states that consumer consent is necessary for credit reporting. Additionally, Section 392.305 provides guidelines for the fair reporting of consumer credit information. The identity theft laws, particularly Texas Penal Code Section 32.51, highlight the seriousness of unauthorized access and misuse of personal information.

I unequivocally assert that I have not granted consent for UNTD RES SYS to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a blatant disregard for both federal and state laws. 

I demand that UNTD RES SYS immediately cease any further reporting of information to my credit report without my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Should you fail to comply within the next 30 days, I will consider this willful noncompliance, which may result in penalties under applicable laws, including those related to identity theft. 

It is imperative to understand that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA, Texas state law, and identity theft laws. This is not a negotiation ; it is a demand for adherence to both federal and state regulations designed to protect consumers like myself from unauthorized and harmful credit reporting. 

I expect your immediate attention to this matter and anticipate that UNTD RES SYS will rectify these violations promptly, respecting my rights under federal and state laws. 
Done in good faith.
Consumer complaint received 2024-08-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (IA)

I purchased a XXXX XXXX XXXXXXXX and financed it with Chrysler Financial ( now Chrysler XXXX ). In XXXX I became XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During that time the car was stored in my parents garage. I was not able to make ends meet during that time or for many years after. Once I got back on my feet again I worked with Chrysler to pay the settlement amount on the car and got the satisfaction letter and title from them. I thought the issue was done. Well fast forward to about a month ago I started receiving collection calls on my account with Chrysler for this vehicle. I have tried to call Chrysler XXXX 5 times today and every time the call is disconnected. Not hung up on, disconnected. I need a copy of the satisfaction letter so I can make these collection attempts stop. Trying to collect on a satisfied loan is a violation of the Fair Debt Collection Practices Act. Please just provide that letter to me so this can be over. 

The VIN number for the car is XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (MO)

Dear EXETER FIN, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant laws governing identity theft and credit reporting in XXXX XXXX XXXX MO. 

It has come to my attention that EXETER FIN has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, the consent of the consumer is a mandatory requirement for such reporting activities as stated in Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, particularly under the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. The Missouri Fair Credit Reporting Act outlines similar protections, ensuring that consumers are not subjected to unauthorized reporting. Furthermore, Missouris identity theft laws highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for EXETER FIN to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a disregard for both federal and state laws. 

I demand that EXETER FIN immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those related to identity theft. 

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, which are designed to protect consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and anticipate that EXETER FIN will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (IL)

Uni fund continues to contact me on debt that I had previously settled for a lower cost. 

They also continue to contact me in harassment. 

I received feedback from my last complaint however, I want to show my paid in full statement. 

I want them to leave me alone as I have paid the debt XXXX was settled as well as the other debt in the settlement.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

I am writing to formally lodge a complaint against IQ Data International for violating U.S. Code 1692g - Validation of Debts, which is part of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the violation pertains to the requirement for debt collectors to provide consumers with certain information within five days after the initial communication regarding a debt.

According to U.S. Code 1692g ( a ), a debt collector must send a written notice to the consumer containing the following information within five days of the initial communication, unless this information is included in the initial communication or the consumer has paid the debt : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

IQ Data International failed to provide me with this required information within the specified timeframe. Additionally, the company " Aura Crowne, '' which IQ Data International claims is the creditor, does not exist. This indicates that the debt is invalid and that federal regulations have not been followed.

This oversight by IQ Data International has caused undue stress, confusion, and damage to my creditworthiness. Therefore, I request the following actions be taken immediately : 1. **Immediate Removal of the Invalid Debt** : Remove the invalid debt reported by IQ Data International from my credit report.

2. **Remedy for Damages** : Provide a remedy for the adverse impact on my creditworthiness due to the invalid reporting allowed by both IQ Data International and your consumer reporting agency.

3. **Investigation into Compliance** : Investigate the practices of IQ Data International to ensure compliance with federal regulations and prevent further violations of consumer rights.

This violation of my rights under the Fair Debt Collection Practices Act is unacceptable, and I urge you to address this matter promptly and thoroughly. Please acknowledge receipt of this complaint and inform me of the steps that will be taken to resolve this issue.

Thank you for your immediate attention to this serious concern. 

Sincerely, XXXX XXXX