davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Mr. Cooper Group Inc. (CA)

NATION STAR MORTGAGE : Th lender breached XXXX  and XXXX XXXX XXXX XXXX XXXX program modifying the loan to 40 years. The deed for this program is by the city of XXXX XXXX XXXX XXXX, and the lender must notify city to subordinate the loan and if any modifications or financing occurs. The lender discreetly evaded the loan terms, XXXX  XXXX XXXX transferred the loan internally to NationStar mortgage. Lenders failed to notify the house program which created this program and has breached the deed, putting me on a 40 year term versus the 30 year requirement under no circumstances was allowed. My loan has been this way for 10 years. I have reached out a few times and the case had not response. 

I reported the breach to XXXX  XXXX XXXX however they do not respond or take action. Therefore, Ive paid my loan for 14 years and the principal did not go anywhere Ive lost approximately {$37000.00} in principal payments and owed this amount down to the XXXX. 

Lender modified against deed and program. However, it is a clear breach of the deed and not allowed under any circumstances. I was not aware of this Until I sat with my real estate broker and she found this fraudulent scheme in which XXXX  XXXX XXXX then transferred the loan out to nation star and modification was hidden from The XXXX XXXX XXXX XXXX XXXX XXXX. The lender has gain approx. {$30000.00} in interest illegal from me for 12 years. NationStar/Mr.Cooper advised me to refinance and I had to pay for thier unlawful terms and pay loan orgination fees all over again totaling {$5300.00} in XXXX to get back on a 30year mortgage and leave the 40yr term they discreetly offered and we signed in XXXX. 

As a young homeowner I was taken advantage of during a hardship. I was not aware of the City deed until I began research of the program documents and discovered the principal payments were not matching the City programs charts. 

I am reaching out to resolve this legally per the deed before seeking legal arbitration for reimbursement of these unethical practices to this mortgage deed and note.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

On XX/XX/year> citi charged me {$99.00} membership fee on my credit card which I did not know as they did not charge it for first year. I called them on XX/XX/year> to refund my membership fee as I did not use any benefit and the card at all but they refused.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

I have attempted to dispute via XXXX XXXX and XXXX XXXX at least a dozen attempts made. I even used various reasons yet they still are validating this debt. I do not nor have I ever had a XXXX  XXXX XXXX XXXX  outside of being an authorized user on my wifes account. 
I sent documents that were listed under my wifes maiden name from XXXX showing my address at the time. I traveled and lived on the road in hotel rooms paid for by the people I worked for in XXXX and part of XXXX. 
I want this deleted from all my credit reports
Consumer complaint received 2024-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/year> this collection company RESURGENT/LVNV FUNDING added a collection to my credit report reducing my XXXX XXXX by XXXX points They are collecting for XXXX XXXXXXXX XXXX a utility company. 
I have never lived in Texas and have not allowed anyone to open an account in my name. 
This is fraud and I need to get the collection removed from my credit report.
Consumer complaint received 2024-07-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MD)

I received a alert on my credit and reached out to the company and was told this debt was mine and I need to pay it as I have never had a account with XXXX they told me they purchased the debt. 

I asked for the address and it was not associated with my address.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OK)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND yo validate this account : Please provide me with the following : Full accounting for this account Copy of assignment of purchase from the creditor Every charge and what was purchased, fee, payment, credit interest How you calculated what you claim I owe ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Full chain of assignments from charge off to present Proof that you owe the debt with full clear title Proof that you were on the original contract ( XXXXXXXX XXXX XXXX XXXX  ) & ( XXXX XXXX XXXX XXXX XXXX  XXXX If you cant provide me with sufficient proof listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation. My attorney who specializes in suing debt collectors will be on standby waiting for instructions.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MA)

Researching credit cards on Bank XXXX, saw that XXXX XXXX has highest rating; saw " Apply Now '' button and pressed it. It seemed to suggest it was called a Discover Card, honestly thought that meant XXXX had a card called Discover Card. 
I applied ; within seconds was told I was approved for {$8000.00} credit line. As I want a card for me and my husband- I called XXXX to ask for that. I learned that it was not their product ; when I told them how I applied, they told me that they advise people to only apply via their website.?? Went back to XXXX; pressed the button again/it showed XXXX. Did not apply again - so not clear if I would again get a Discover Card I called DC - was told they do not allow for joint accounts anymore. Said I wanted to cancel the application. Told me I had to wait until the account was set up. When I insisted I did not want the account, I was told the application would be cancelled & I would get an email confirming this When I had not received an email, I called back and was then told it would take XXXX hours. I said I did not want to wait XXXX hours ; I wanted the account cancelled now - that they somehow got my financial info and got permission to find my SS # via IRS??? ( which now seems very odd to me. I think I was tricked - at first I was asked for the last XXXX digits ; later, when I was asked for permission to contact the IRS for the full #, they also asked for the first XXXX digits. Call me stupid but I only realized later what had happened- they got it from me. I am a senior - so maybe my cognition is slow but it feels very uncomfortable. ) I was told they could not do this - I asked to speak to a supervisor and was told no one was available. I expressed my anger as they have my personal financial info that they got without my full understanding. All of that interaction took less than XXXX hours. I still have nothing from this at this time; and I feel very uncomfortable and also duped. Only later did I learn that Discover has a VERY BAD reputation including millions of dollars of fines.
Consumer complaint received 2024-06-17
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: EQUIFAX, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-24
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (PA)

Made a call today XX/XX/year> requesting a settlement due to all the payment so have made on this loan which the balance is now made up of Moseley interest, the representative I spoke with was no help and every time I call to inquire about a settlement Im being told they wont offer one because its better for them to repossess my vehicle, my vehicle is worth way more than I borrowed and I have already paid back most of the balance and now this company is trying to milk money out of my pockets with their extremely high interest rate, this loan was designed to make it difficult for me to pay back since the interest just keeps accruing. Please help me fix this situation as I am tired of dealing with this company and their rude and unprofessional representatives who dont understand the consumer and are simply just trying to make extra money! Please also investigate this business and their business practices which I know for a fact are unethical. My only interest is a settlement offer to be done with this company and nothing else. Every time I report this company they say one thing and then its something else but has yet to work a resolution with me til this day. Im also including a screenshot of the call I made today which the representative didnt listen to anything and immediately insinuated repossessing my vehicle.
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I initiated a bank wire transfer from our joint savings account to our external joint checking account in the amount of {$15000.00}. The memo stated : XXXX XXXX XXXX. 
Ive been told by multiple representatives that the issue was with what I put in the memo, they needed to know who he was. I provided the answer and was told my money transfer was approved and would arrive by XXXX EST on XX/XX/XXXX. I waited for two business days and then I requested a cancellation as it never arrived. 
I was then told that the cancellation should release the funds by Monday XX/XX/XXXX. It is now Wednesday, XX/XX/XXXX and Ive just been told my money is being held indefinitely until I provide information as to the full name, address and citizenship of my contractor.

I am requesting yet again that my money be returned to my account immediately as I have already paid my contractor via standard 2 day transfer from other funds in my account and no longer need the wire. Id like my XXXX returned and have spoken with more Capital one representatives and managers than I can count. I am repeatedly told they can't contact the wire security team directly and only can send then emails. However, in all the times i called only one person told me the hold was due to needing his address and citizenship info. Can they legally HOLD my money if I have cancelled the transaction?
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX  XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

In XXXX I owed QVC approx {$990.00} in Open Easy Pay items that We supposed to charge to a separate credit card. QVC added them to my QVC Synchrony card sometime in XXXX. My credit limit was {$2300.00} and it brought me up to {$3200.00} and over the limit and I have been trying to pay down this large credit amount and it has affected my credit rating with large late fees, Interest and over the limit fees. I do not dispute the amount owed. I just tried to pay it down the best I could. I received a collection letter from a Collection Company called XXXX, formally known as XXXX. XXXX XXXX  Account ID : XXXX ) for the same amount that was added to my QVC credit card almost 2 years ago. QVC Closed my account at that time and I can not see what happened with the charges between XXXX and XXXX. I am requesting that QVC confirm how my bill jumped over {$1000.00} in that period of time. I want to clarifation and proof that the Collection is the correct amount owed and it was not added to my QVC credit card
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Inc. (TX)

IHi my name is XXXX XXXX I'm XXXX XXXX XXXX I filed for Retirement thru the XXXX somehow in the beginning of this year, As of XX/XX/XXXX XXXX At XXXX XXXX and XXXX pm my money was taken out from my chime banking checking account and my bank account dry ..I call chime to file a dispute that my money was taken out by an individual, and plus in many callings in different days ive been denied to my refunds, its been 3 months that ive been back and fourth with chime banking to refund me the money back, dispute # XXXX for the amount of XXXX. On XX/XX/XXXX money was taking out by the same individual dispute # is XXXX total XXXXand another one in XX/XX/XXXX all my money again was stolen dispute # XXXX total of XXXX and another transaction was made on XX/XX/XXXX for the about of XXXX Dispute # XXXX But they always give me excuses and want more documents that agents ask for, I send police reports all the documents the agents ask for ..., ,I 'm very upset and angry with chime banking banking ..I need help with getting my refunds back it's close to XXXX. XXXX  Sincerely XXXX XXXX from XXXX XXXX, Texas,...
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (NY)

The balance transfer was not correctly explained triggering higher interest rates - refusal to accept payment to avoid higher interest rates. The balance transfer offer was dated on XX/XX/year> with a stated interest rate of 5.99 %. Credit card company refused to accept payment for a specific account transfer forcing the higher interest rates.
Consumer complaint received 2024-07-05
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: EQUIFAX, INC. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax, XX/XX/XXXX I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$750.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Account with account # XXXX opened on XX/XX/XXXX and a balance of {$970.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$9300.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Collection account from XXXX XXXX XXXX with account XXXX XXXX and a balance of {$13000.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-07-02
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: Experian Information Solutions Inc. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-28
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: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company. 

XXXX XXXX XXXX XXXX XXXX XXXX Main XXXX XXXX, MO. XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.