davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Mr. Cooper Group Inc. (FL)

1 ) red-lining and dual-tracking on the part of Mr. Cooper while allegedly helping me to keep my home through loan modification. 
2 ) Never putting the home in my name despite my providing necessary documentation. 
3 ) Denial that original mortgage was a predatory and fraudulent loan by XXXX XXXX XXXXXXXX ; the victim was my XXXX, a XXXX United States XXXX decorated veteran. ( XXXX XXXX ) XXXX ) failure to acknowledge judgement of foreclosure was a fraudulent effort on behalf of XXXX XXXX XXXXXXXX on XX/XX/XXXX, yet including this event as evidence against me in a present judicial foreclosure action served to me on XX/XX/XXXX. 
5 ) Data Breach by Mr. Cooper acknowledged by Mr. Cooper on XX/XX/XXXX which has severely impacted my ability to obtain a loan or a refinancing of mortgage in order to bring my account current. 
Serving me with a XXXX XXXXXXXX XXXX on XX/XX/XXXX despite telling me they will help me keep my home. 
6 ) Racial discrimination against me, as well as my XXXX ( posthumously ) in not allowing me access to all the tools available ( forbearance, partial loan forgiveness, etc. ) to help me keep my home. 
7 ) Refusing to provide me with an assigned agent that could address all my needs ; instead each time Mr. Cooper was contacted, a different agent responded on a cue.
Consumer complaint received 2023-02-22
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 AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTXXXX 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 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-07-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (SC)

To Whom It May Concern : I am writing to formally complain about Exeter Finance and their recent actions regarding the repossession of my vehicle, which I believe to be in violation of my consumer rights. 

On XX/XX/year>, Exeter Finance repossessed my vehicle from my property without my verbal or written consent. I contend that this action is unlawful and constitutes a breach of my rights as a consumer. Furthermore, Exeter Finance has committed the following violations : 1. Unauthorized Repossession : Exeter Finance repossessed my vehicle without providing adequate notice or obtaining my consent, in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692f, which prohibits unfair or unconscionable means to collect or attempt to collect a debt.

2. Privacy Violation and Unauthorized Sale of Personal Information : Exeter Finance allegedly sold my personal information to a third party, XXXX XXXX XXXX, without my consent. This action violates 15 USC 6802, which mandates that financial institutions can not disclose a consumers nonpublic personal information to nonaffiliated third parties without providing notice and an opportunity for the consumer to opt-out.

The actions of Exeter Finance have caused significant distress and inconvenience, as I rely on my vehicle for daily transportation. I believe that Exeter Finance has violated my rights, and I seek your assistance in resolving this matter. 

I request that the CFPB investigate this issue and take appropriate action to ensure that Exeter Finance complies with all applicable laws and regulations. Furthermore, I would appreciate guidance on how to rectify this situation and secure the return of my vehicle.

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (TX)

The credit card Apr increased abnormally and could be a financial crime association and shouldnt be above 19 %. It may have been increased for about a year or more .Normally I might have noticed sooner but hacking and breaching was occurring during the time. I have called several times to notify their security and agents that I was victimized with identity theft and data breech and something was occurring which may have not occurred before or in the same pattern. 
Please note ; automatic payments caused a delay of noticing changes also.
Consumer complaint received 2015-12-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MD)

We have been with Nationstar for several years. We fell behind in our mortgage due to life situations ( roof leaking, house flooding, water heater breaking, refrigerator going up ). We have attempted on Several occasions to get some type of assistance from Nationstar. We have have mailed, faxed, documents for a modification several times over the years. We have received constant responses like we did n't get them, someone will call you and they never do. Recently we received paperwork telling us we needed to make a payment by XXXX XXXX or our account would go into foreclosure. When i called on XXXX XXXX the day i was paid they refused to allow me to make a one month payment. Even though we would not be 90 days delinquent until XXXX. They wanted us to make a payment of XXXX dollars. I even tried getting them to take the payment on XXXX and then schedule XXXX for XXXX and they refused. They told me to file another modification request if i could not produce XXXX dollars by XXXX. This time i uploaded the documents directly to their website and am awaiting a reply i we have many time over the years. Nationstar has not been a company willing to help you through the years. They sit back and wait to take your property. Each representative you talk to tells you something different and when you call no one is helpful in helping you resolve your issue. This company would not allow me to make a one month payment which would have kept my home out of foreclosure.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There are credit cards opened under my name, and I believe its fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX  ) - Opened XX/XX/XXXX ; Limit : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Phone # : XXXX XXXX XXXX XXXX XXXX ( XXXX ) - Opened XX/XX/XXXX ; Limit : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Phone # : XXXX And there are inquiries as well : XXXX. CAPITAL ONE - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. CAPITAL ONE XX/XX/XXXX Incorrect personal information as well : XXXX. Name : XXXX XXXX - should be XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX NY XXXX ; should be XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I see numerous fraudulent inquiries in my report. i have been disputing these since last year. I know my right. You are violating my right to accurate & fair reporting. Remove these inquiries as soon as possible. 

XXXX  inquiry date XX/XX/XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX
Consumer complaint received 2024-07-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

Sunday XX/XX/XXXX, a friend informed.me of a vehicle for sale through a friend of hers on XXXX. I was in the market and the XXXX account owner was a mutual friend I had met before. I knew of her current family situation that her father was being placed in a XXXX XXXX XXXX and she was currently out of state dealing with her father arrangements. The post had several items ( yard sell ) they claimed to be selling to transition her father to XXXX home. The yard sell essentially was happening in real time. 
My friend informed her through XXXX XXXX interested in the post for the vehicle. My friend was then asled if she could share my phone number so we could arrange the sale. I agreed and then I recieved XXXX shortly afterwards indicating they were the XXXX holder and if I had question to about the car. They provided me details on the car. I tried to.call the number but I recieved a.message to text as she was attending.to people in person but if XXXX interested I could put a.deposit down and they would take it down for sale and hold for me until I could see.vehicle. if I.did notnwant it they would refund deposit. I agreed to the terms and the asked for {$1500.00} deposit. I used Zelle. Initially, I was unable to send XXXX only {$1000.00}. I added the number as XXXX user name and sent {$1000.00}. 

After I was.unable to.send {$1500.00} the user asked XXXX the {$1000.00} was sent and how would I send the additional {$500.00}. That is when I got a bit suspicious and call the number again. The reply was a bit rude which now I questioned if I was communicating to the right person. I called our mutual friend to see if she could get in contact with her. That is then when the scam was revealed. The XXXX XXXX account hD been hacked and she has been locked out of it for XXXX weeks. I.then contacted.Wellsfargo, my bank to try and cancel the Zelle transaction and file claim. It was Sunday so the bNk told me I would have to.wait until XXXX when the department open, but the transaction is complete. After further review of the Zelle transaction I realized not only was the phone number did not belong to the mutual friend the recipient account phone number was register with Zelle as XXXX XXXX, the scammer. 

After a week XXXX informed me I would not be refunded for the scam transaction because money from scams are not refunded. I am lost for words. I reported the scam/frusf immediately and the transaction did not post until the next business day XX/XX/XXXX. 

Now XXXX being told I have to file a police report to start a.seperatw investigation. XXXX told me they could not provide me.any information regarding the scamer account and the transaction. Very disappointing!
Consumer complaint received 2024-08-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC (TN)

I'm trying to get a loan... bestegg offers all credit welcome ... I have all the documents as I did the loan.they guarantee approval but redirected me to XXXX funds which is another loan company.that loan company directed me to a credit report site that charges XXXX a month with no mention of a loan
Consumer complaint received 2024-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (PA)

My mortgage company did not disburse payment from my escrow account to pay my property insurance. The money was in the escrow account and the bill was due in XX/XX/XXXX. On XX/XX/XXXX I called LoanCare because I received a letter from them saying my property was not insured. I called them and asked, " How can I not have insurance when you're supposed to pay it from the escrow account? '' They said it was just that the mortgagee clause wasn't on the declarations. They put me on hold and called the insurance company. After a few minutes they came back on the line and said the problem was resolved. In XXXX I got another letter saying that my insurance cancelled on XXXX XXXX XXXX. This time I called the insurance company to see what was going on. They said LoanCare had not paid them since XXXX. I called LoanCare and they apologized for not paying the bill and issued a check to XXXX XXXX on XX/XX/XXXX. I called XXXX XXXX to confirm receipt of payment on XX/XX/XXXX and was told they mailed the check back to LoanCare on XX/XX/XXXX because the policy has to be re-written. When I tried to have the new policy re-written their underwriting department said they could not insure me at all due to the lapse in coverage. I made a report with with PA Insurance Commission and also had to obtain a policy from XXXX XXXX XXXX which is for people who are uninsurable through the marketplace. Meanwhile, the mortgage company has told me that I'm in violation of my agreement because my property didn't have insurance. However, they are the ones who did not pay it from my escrow account. I don't have access to that account. I had to do a report with LoanCare which is under investigation so that they can determine if I'm at fault. Additionally, the insurance that I purchased from the XXXX XXXXXXXX XXXX is under review with them as well. All of this, when I had the money sitting in my escrow account for them to pay my bill in XXXX when it was due, and in XXXX when they called about the XXXX clause, and in XXXX when the final notice was sent to them. It makes no sense.
Consumer complaint received 2024-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

I have a consolidated loan, with XXXX XXXX  and XXXX XXXX component. The XXXX  loan has a XXXX balance. When I go to make a payment on Mohela 's website, and choose " Specify for Each Loan '', I enter the payment amount for the loan with remaining balance and {$0.00} for the loan with no balance. When I preview the payment, the system always allocates {$170.00} to the loan with XXXX balance, and I now have a credit on that loan in the amount of {$870.00}. I've called customer support XXXX times. On XX/XX/XXXX, the rep submitted a request to have my credit moved to the loan with a balance and thought it might be a technical issue. She said to call again if it happens the next time I make a payment. I called again on XX/XX/XXXX as 1. the credit had not been applied yet and 2. the system is still auto-allocating to the loan with no balance. I was told by the rep that she is able to specially allocate when she tries it, essentially being told that my problem doesn't exist. She also submitted another request to have my credit transferred to the loan with the balance. I thought perhaps the bug was browser-based, so I've attempted to make a special-allocation payment in different browsers and I continue to get the same result. Because I had a payment due, this time I called Mohela 's support line to have them make my payment on the phone. The rep confirmed that the entirety of my payment would be applied to the correct loan. But alas, when I logged in a few days later, the payment continued to be misapplied. I am hesitant to continue making payments if my payments are not being allocated correctly ; it feels like Mohela is holding my money XXXX in a XXXX XXXX interest account. Not to mention my overall interest burdon should've been lowered over time if the payments had been applied correctly. No one at Mohela that I've talked to can tell me exactly how to make a payment in future that won't be misapplied.
Consumer complaint received 2024-07-07
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. (PA)

Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is being reporting multiple inaccuaries and late payments. The account is show monthly payment amount and balances are different all credit bureaus. One is reporting a XXXX balance. The date of the account and date last active being reported is inaccurate across all credit bureaus. 

This account needs all late payments removed due to a ton of inaccuraices and timing payments are not being reported accurately. Regards to section FRCA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (NC)

XX/XX/year> XXXX around XX/XX/XXXX, I filled out paperwork on the internet to open up a Truist One checking account and a savings account. I received an email stating that a trial deposit would be made to my old checking account to verify the account information, which would less than {$1.00}. 

There were 3 small transactions which were made to my old account. I waited to hear from Truist Bank on how to proceed next to transfer the money to open up the new accounts. I was provided with accounts numbers of the accounts but did not receive the information on how to proceed. I then decided to call to check on this and was told that the accounts had been closed but I was not provided with a reason as to why. 

I then proceeded to go to the local branch to speak to someone about this. I met with XXXX XXXX and explained to him what had happened. He reviewed the information on his computer and made a telephone call to someone about this. He then said that the accounts were closed due to fraud issues on the application but he could not tell me exactly what kind of fraud it was. He then stated that the bank uses XXXX on all new customers and that I could contact them about the issue. 
He provided me with the telephone number to contact the company about the results of the report. I contacted the company and requested a copy of the report and also spoke with a man who went over the report and explained it to me. He said as was noted on the report there was no information found except for my social security number had been verified. He also stated there was nothing about fraud on the report. 

I then called XXXX XXXX back that afternoon to explain to him what I have discovered and he stated he was not going to argue with me about this and was quite rude. He did say that I would be receiving a letter explaining the reasons for the accounts being closed. 

I received two identical letters dated XX/XX/year> from the XXXX XXXX XXXX XXXX stated that the savings account had been closed. 

I continued to receive emails concerning the debit card and how to proceed to transfer the money to the new accounts which had been closed. 

I still have not received any explanation as to why the accounts were closed. 
It concerns me that the reason mentioned was fraud but I have no idea just what kind of fraud the bank is talking about. I have since done some research which reveals that this seems to be a common practice of what Truist does to potential customers. 

The number of negative reviews on the internet is quite interesting, to say the very least. I have no idea how a bank can do some of the things which people have stated it has done.
Consumer complaint received 2024-07-31
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Fresh Holdings Inc (AZ)

The Gave me feedback for the last time report. Or whatever and they lied and said that I opened my account in XXXX when all I did in XXXX is make the credit some larger not make a whole new. Account, anyways, you know what I'm saying, so for them to lie and keep lying like that is not fair and I don't understand why I'm doing business with them. So I will not be paying them anymore and they can charge it off or something, but that's an absolute lie, because I've had that account since about XXXX. Before I went to jail, so shut up. That's XXXX Anyways, they must not be talking about my account.So yeah, I should probably close it or whatever I don't know.Maybe they're maybe I don't think they are, though makes no sense to me