davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I have a mortgage loan that is held by Mr. Cooper previously known as Nationstar for my home that I purchased in 2007. I have been involved in negotiation with their bank for several years as I have tried to resolve my mortgage delinquency. As we have gone through the process, I have discovered that Mr. Cooper does not possess the original paperwork or have documented proof that they are not the rightful holder of my note and that there is a serious question as to their ability to foreclose on this home, or even get a clean title in the event of sale. Because of this situation, I had thought that their office can be involved and would work hard with me to resolve this issue. 
I recently received an offer for a modification on the home and the fact that I thought Mr. Cooper is finally willing to work with me. The problem is that they added into the balance owed all delinquent payments, interest, late fees, legal fees and junk fees. The new modified mortgage payment was lowered only by {$100.00}. The total balance owed ( according to their records ) is {$520000.00} that is 154 % more than what the home is worth. I purchased this home for {$400000.00} and the current value is estimated at {$340000.00}. I am now sitting 153 % loan to value although I consider this a home and not an investment, this modification does not make sense for me or my family. 
if I may and allow me to elaborate, I bought this home in 2007 with 80 % financing through XXXX. 
I was fit into ARM interest rate 7.00 %, recast and capped to 10 %, monthly mortgage payment jumped from {$2000.00} to {$3000.00}. Ive been recently unemployed have been unable to find work and began struggling with the mortgage payment. That was my full-time job now and my family I made a decent living. The problem is that between the time I became unemployed my household income was slashed in half and that is when I defaulted on the loan. Not long after the loan was transferred to Mr. Cooper I began trying to negotiate a home retention program. I could not make any progress same excuse that the necessary documentation to proceed was not received. It led me to believe that due to these findings that their company would provide me with a reasonable workout. However, instead of working with me, once again Mr. Cooper behaved unethically and set an acceleration to foreclosure. Luckily at the last minute someone in their legal department or somewhere else must have realized that trying to sell this property at foreclosure would be a disaster because Mr. Cooper could not show continuity of obligation nor prove their legal right to sell the home. 
The amount that I am required to pay on this loan to satisfy is doubled of what I paid. The home is worth fraction of what I paid. Although
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC (IN)

I don't understand why once again XXXX Nationstar Mr. Cooper ADDED the following comment BACK under my VA mortgage loan with regards to a Natural Disaster that has not happened to my residence nor area. This is once again being submitted as well to my insurance company and FEMA. 

I do not understand why additional false reporting is being done by XXXX Nationstar Mr. Cooper after each complaint I file to the CFPB. There is a serious issue and pattern of misconduct going on and I need answers. I need this ONCE AGAIN REMOVED from my credit report. 

Also per last complaint to the CFPB, I need all payments be reported to the credit bureaus so I can move forward with my personal bank taking over my loan to refinance since this issue seems to never be resolved per XXXX XXXX, refer to XXXX Nationstar Mr. Cooper taped phone conversation. 

Here goes ANOTHER CFPB complaint. 


Sincerely, XXXX XXXX Updated Account Information XXXXNATIONSTAR MORT - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Affected by natural disaster
Consumer complaint received 2024-10-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mortgage Research Center, LLC (NC)

The insurance copy of the inspection is different than the original one made by the inspection company ( XXXX XXXX XXXX ) / Mortgage deed changing from mortgage companies to mortgage companies which was discovered by the VA. LOAN GUARANTE OFFICE we have a copy of this/ Have real house inspection and fake inspection given to insurance company Been trying to get reinspection papers but was told no one knows where it is or was there ever one as was told by VETERANS UNITED WHO TOLD US THAT WE PASSED THE INSPECTION AND WAS CLEARED TO MOVE IN WE'VE BEEN TRYING TO WORK WITH EVERYONE INVOLVED ( We've Researched and been helped and have more information if needed ) DIFFERENT LOAN NUMBERS VERY CONFUSING CHARGED MONTHLY INSPECTIONS ( CONFUSING )
Consumer complaint received 2024-09-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Global Lending Services LLC (IL)

The car was an XXXX and the engine was diesel and no good when it was sold to me. 
The engine light came XXXX XXXX week after it was sold to me. I took the car back to them and it came on again and again. Finally the engine gave out. I don't feel like I owe anything after I voluntary gave the car back.
Consumer complaint received 2018-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

I need help. Mr. Cooper has a trustee sale scheduled on XX/XX/XXXX for my family home valued at {>= $1,000,000} ( XX/XX/XXXX XXXX appraisal - old and market has improved since then ) and there is approx. $ 400K equity from sale after Trustee 's bid of $ XXXX. Excess proceeds would pay-off outstanding balances to IRS and HOA, then leave approximately $ 350K of surplus funds for me to start over and deal with significant health issues. During last recession, I depleted all assets, including 401K, so this is my only source for retirement savings/healthcare ( significant health issues since XXXX and continue- XXXX - like having XXXX XXXX every day ). The home is listed for sale at {>= $1,000,000} and several buyers put home in top two for  consideration, but pending Trustee sale date scares them away. 

I have not received proper notice the sale will not be extended again and Mr. Cooper has been unresponsive to my attempts to contact them over past few weeks. Also, my attempts to obtain a 'Surplus Funds Form ' have gone unanswered for months. In XXXX, I emailed Mr. Cooper 's attorney of record and receive email response stating their files were closed. ( see attached email string attached ). I requested this form from XXXX XXXX XXXX, handling the Trustee Sale, and they do not have one. No one seems to know where to get a copy of form? 

I asked for reinstatement amounts last XXXX and never received. Asking for same over past week via voice mail to Mr. Cooper, but nothing yet. Understand hurricanes have caused increased work for Mr. Cooper and workers overwhelmed. 

Respectfully request the Trustee Sale be extended to XX/XX/XXXX ( 60 days ) to  allow me reasonable time for a buyer to close. 

I have not received property notice due to lack of communication from Mr. Cooper and negative response from Mr. Cooper 's attorney, who stated 'file closed ', but today Mr. Cooper says file is open. Mr. Cooper 's attorney non-responsive to me. 

Please help - I remain in home and keeping it in tip-top shape. Interested buyers are afraid to move forward and feedback very positive - 'lovely home ' and 'well maintained '.
Consumer complaint received 2024-09-27
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)

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

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
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC (NY)

On XX/XX/year> I sent a payment of {$300.00} to a party promoter for a VIP service for an event happening on XX/XX/year>. Closer to the date I reached out to the promoter and he said that event had been cancelled because it landed on " XXXXXXXX XXXX ''. That gave me the first indication that this individual was a scammer, as XXXX XXXX  is not in XXXX. This event had a flyer and additional contact information as part of the event ( linked below ). 

The promoter kept leading me on that he was waiting for a refund from the venue and ultimately stopped writing back to me via message to refund me. I can share the text messages ( screenshots ) upon request, that tie to the phone number listed on the event description below. 

XXXX - XXXX XXXXXXXX XXXX  Number - XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Duvera Billing Services, LLC (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

Summary : I am a victim of an elaborate job posting scam that began XX/XX/2022 which led to me sending a recipient two XXXX  transfers using the XXXX service offered thru my bank Wells Fargo on XX/XX/2022, to pay for training materials and a laptop. Note the scammer had sent me a check for XXXX the day before, to cover the XXXX XXXX transfers however it turned out to be stolen. 

1st XXXX transfer was done XX/XX/2022 at XXXX EST. 
2nd XXXX transfer was done XX/XX/2022 at XXXX EST. 
At XXXX the scammer then requested I locate a " XXXX XXXX '' ATM right away to exchange XXXX cash for XXXX. I did not complete this request and I called Wells Fargo at XXXX to report the scam transaction and to have the XXXX transfers reversed. They left me with the impression I should get the funds back in about 10 days but that didn't happen. 

Notices I received days later via us post office from Wells Fargo : 1 ) Notice dated XX/XX/2022 acknowledging fraud claim XXXX submission and that they are looking into the matter. 

2 ) Notice dated XX/XX/2022 stating they determined the payments were processed as requested however as a courtesy they will continue to attempt to assist with a resolution with the receiving financial institution. 

3 ) Noticed dated XX/XX/2022 stating the two XXXX transfers have already been approved and processed and they are unable to stop or reverse the funds. Also they notified the receiving financial institution and XXXX Network about the scam and they submitted a request to have the funds returned however it is not guaranteed. They have closed the claim. 

It is a very poor business practice to process XXXX transactions without a reasonable window of time to reverse the transaction especially with the number of scams happening these days. Note these ( 2 ) transactions were to purchase a laptop and training materials and even though it was under fraudulent pretenses, I paid for something I didn't get and Wells Fargo and XXXX should provide a form of purchase protection if not like one receives with credit card purchases. 

I have a lot of support documentation to provide if needed : Initial text offering to engage in an interview with a link to access the scammer Chat history using XXXX application with the scammer Image of stolen check and the XXXX envelope used to send it to me. 
Wells Fargo notices received in the mail as described above. 
Documents provided by scammer : Job Offer Letter, Code of Business Conduct, I-9 form and W-4 Screen shots of the XXXX transactions Screen shot of the call time to Wells Fargo to report the fraud Emails between myself and scammer and more. 

Thank you kindly in advance for any help you could offer in getting my XXXX back.
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding LLC AKA Resurgent Capital Services has also been reporting amounts opened when accounts are closed since XXXX XXXX. The amount LVNV AKA Resurgent Capital Services is showing for XXXX XXXX XXXX is incorrect, I did a settlement with them back in XXXX. XXXX XXXX XXXX is showing a XXXX balance yet LVNV is not
Consumer complaint received 2024-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year>, at XXXX PM XXXX XXXX, I reported a fraudulent transaction of {$980.00} made via XXXX ( Recipient : XXXX XXXX ) at XXXX PM on the same day to the Bank of America XXXX Department. 

The fraud involved voice phishing. I am currently an XXXX driver. While en route to a pickup location after accepting a ride request, I received a call from the scammer, who claimed to be a supervisor from XXXX XXXX. He said, " We received a report from a passenger that you were driving under the influence, and an investigation is necessary. '' He then instructed me, " I will cancel your current trip for now, so please park your car in a safe location. '' Since the trip was indeed canceled, I had no reason to suspect he was a scammer and followed his instructions. 

Afterward, he said that he needed to verify my identity and began asking for personal information, including details about the payment method XXXX uses to pay me weekly. The scammer then sent me a text message, pretending to be from Bank of America, asking for my account login information. When I responded, he gave me a code, XXXX, and said, In order to verify my identity, I was told through the XXXX that I needed to authenticate the code with the bank 's XXXX, XXXX, by entering the code number in the payment amount field and clicking the send button. 
I am attaching screenshots of the text messages I received and the XXXX transaction related to this incident. 

When I reported the fraudulent transaction, the bank representative asked for the phone number and name of the person suspected of voice phishing. I informed them that the phone number was XXXX ( XXXX ) XXXX, but I couldnt remember the name, only that the person claimed to be a supervisor from XXXX XXXX. 
The bank representative told me that after a XXXX investigation, I would receive a credit for the amount regardless of the investigation 's outcome. 

However, on XX/XX/XXXX, before the XXXX period had ended, I received a notification from the bank regarding the claim. The notification stated that the claim was denied because the transaction was made from a device I had previously used for electronic transactions. I am attaching the notification for your reference.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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. (AL)

I am REWRITING to EQUIFAX to dispute inaccurate information on my credit report. 
My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/year>. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal information : Former : XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.