davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
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. (MO)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (OK)

Nationstar Mortgage has ruined my life! After my husband died, I was in a terrible financial situation and tried for almost two years to get my loan modified. I did everything they asked, sent in all the forms, many, many times. Every time I called ( when I would actually get to speak to a live person, which was very seldom, same response. It 's in process, no problem, or we need certain documents ( which I have record of sending time and time again ). Each tie they would tell me not to worry, there was no threat of foreclosure! Well of course I was served foreclosure papers. I had to file Chapter XXXX at the last minute to save my home which is the last thing I wanted to do since I have no other debt!!! Even my attorney has called them and no response!!! I am so close to just giving up, which is probably what they want me to o! They have attached outrageous charges to my balance, totally unbelievable!!!
Consumer complaint received 2024-08-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint and Cease and Desist Request Equifaxs Continued Reporting and Third-Party Harassment Dear Consumer, Financial XXXX XXXX XXXX XXXX am writing to formally lodge a complaint against XXXX for their continued reporting of inaccurate information on my consumer report and their participation in unauthorized third-party communications. Despite my previous disputes and requests for them to cease, XXXX continues to report negative information related to an account with Chrysler Capital, which has been charged off and is under dispute. 

Details of the Issue : Date of First Delinquency : XX/XX/XXXX Account Comments : Charged Off Account Creditor : Chrysler Capital Credit Bureau XXXX XXXX XXXX : Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX 's ongoing reporting of this account constitutes harassment and unauthorized third-party communication. This behavior violates my rights as a consumer and is causing significant damage to my XXXX XXXX and financial standing. 

XXXX Requested : XXXX XXXX of XXXX : I request that XXXX be instructed to immediately cease all reporting related to this account on my consumer report across all media. This includes removing any negative marks associated with the account and ensuring no further information is reported until the dispute is fully resolved. 

XXXX of Further Communications : I request that the CFPB ensures no further communications occur concerning this account, either directly from the creditor or from XXXX. This includes phone calls, letters, emails, or any other form of communication. 

Correction of Credit Report : I request confirmation that the disputed account is marked correctly on my credit report, reflecting its disputed status. Additionally, I request that any inaccurate or unauthorized information be promptly corrected or removed. 

Written Confirmation of Actions Taken : I request written confirmation that XXXX has ceased all reporting and communication related to this account and that my credit report has been updated accordingly. 

Please consider this a formal complaint and request for immediate action to protect my rights and ensure compliance with all relevant laws. I trust that the CFPB will take the necessary steps to resolve this matter promptly. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (TX)

My payments went up $ XXXX and I was never told for about 2 years I was never sent an email or a phone notifying me of this nor an update on late fees on the missing amount so they would just hold the payment I sent in on time and not apply it to the payment due but would hold it till the next month causing damage to my XXXX XXXX and charging me late fees
Consumer complaint received 2024-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

In late XXXX of this year I received a letter from Shellpoint dated XX/XX/XXXX that states : The lender-placed insurance we purchased for your property is cancelled effective XX/XX/XXXX for one of the reasons stated below : Adequate insurance coverage was provided. If this cancellation results in a lapse of coverage, you may be charged an additional premium. fI there was no lapse in coverage, you will not be billed or the amount previously paid will be returned to your account in full.

Your mortgage loan is paid in full. Please note that you no longer have insurance coverage through Shellpoint Mortgage Servicing. Please contact your insurance agent and obtain a policy to protect your interest. Servicing of your mortgage was transferred to anoth
er lender. Please contact your new servicer as they will be placing coverage with their carrier to protect your mutual interest.

Being that the other 2 were not true and that I have received a letter like this in the past, I knew that the first option must be true. 

However, I never bought or submitted a new policy so I went on the site to see what was in place. What was listed was a policy for XXXX XXXX with a coverage of {$350000.00} amount purchased for {$1.00} with a due date of XX/XX/XXXX. 

XXXX XXXX {$350000.00} {$1.00} XX/XX/XXXX These numbers are not typos
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Andreu, Palma & Andreu, PL (FL)

I was a Victim of a XXXX XXXX XXXX XXXX, back in XX/XX/XXXX. I had to live out of a hotel for months almost the entire year of XXXX. XXXX the creditor was and is fully aware of this situation, they put me on the XXXX XXXX which deferred my payments, since I was paying everything out of pocket to rebuild my home and continue living out of a hotel. XXXX did not cover any expenses. Again, XXXX fully aware. I advised XXXX I had filed Bankruptcy since the debt has become so far out of of my limit, but they still hired this law firm, which I notified as well that I have a bankruptcy attorney they need to contact, I email several times and called the office. This was the second email sent to this address " XXXX '' after sitting on hold with the law firm. Also previously sent to electronic email straight to attorney. This law firm has gone to my house I don't know how many times, I have not been home, but this time a processor showed up and I tried to speak through the ring, but they were unable to hear me. I advised the law firm again on email to send all correspondence and their processor to my attorney XXXX XXXX at XXXX and his assistant will gladly help them. They should not be trying to serve me during this process. Please advise on what to do if they attempt again.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc (SC)

Based on, 15U, S CODE {$1600.00} XXXX, Under15 U.S. CODE1681e ( b ) 1681 ( 5 ) In accordance with the Fair Credit Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant 15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & conditions, Failure to comply will forfeit your claims and will require you to delete all the list of items above You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2024-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My mortgage at Select Portfolio Servicing went up {$130.00} in XX/XX/year> making my mortgage {$1800.00} a month and now it's going up {$320.00} in XX/XX/year> making my mortgage {$2100.00} because they didn't pay my property taxes on time. They owed XXXX XXXX the second half of my taxes {$3200.00} for XX/XX/year> and didn't pay it. I had over {$3400.00} in my escrow account but now they are saying I didn't have enough money in my account to pay it. Now they are charging me for the amount they didn't pay on time and for the new amount that will be coming up. In a letter they sent me on XX/XX/year>, they said they needed to collect {$7700.00} in my escrow over 12 months. Then on XX/XX/year>, they sent me a new letter saying they needed to collect {$10000.00}. Which is how much half of my taxes are for the year the {$3200.00}.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (MI)

Chase Bank has charged me several insufficient fund fees alongside non atm fees for accessing my money. These fees have caused me significant harm and banks are not suppose to impose such fees to individuals or consumers only entities engaged in commercial banking. Chase is making money from each deposit into their financial institution by securitizing its customers accounts. Chase Bank did not incur any loses so to charge me junk fees is unconstitutional.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MI)

Discover card has charged me several fees on my consumer credit account. Discover intentionally delays the withdrawal of payment which then causes the payment not to fully process and they have charged me several fees. Discover also closed the account without any notice but continues to use the application as a receivable to raise capital gains for investors. I have read their prospectus and sec filings which outlines their business practices and Discover is engaged in fraud by using consumer accounts as pooled assets to which they use to fund their business and pay their investors. Discover did not disclose this information prior to our business relationship and they have also reported this account as delinquent when a consumer account can not be reported as such. Discover also had a duty to reset this balance monthly as it should be open ended per the standards of federal law.
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Andreu, Palma & Andreu, PL (NJ)

I HAVE MADE NUMBEROUS ATTEMPTS TO VALIDATE A DEBT THAT ANDREU, PALMA, LAVIN & SOLIS, PPLC HAS FILED A LAWSUIT AGAINST ME ON BE HALF OF THEIR CLIENT XXXX XXXX XXXX. I ADVISED ANDRUE, PALMA, LAVIN & SOLIS THAT I HAVE BEEN AN AUTHORIZED USER ON ACCOUNTS WITHIN MY FAMILY. I ADVISED THEM ALL THOUGH I DO RECOGNIZE SOME OF THE CHARGES ON THE CREDIT CARD STATEMENT, I WAS REQUESTING THE ORIGINAL CREDIT CARD AGREEMENT WITH PROOF OF MY LEGAL SIGNATURE. THIS WOULD PROVIDE PROOF THAT I AM THE ACCOUNT OWNER AND NOT AN AUTHORIZED USER. I WAS ADVISED BY ANDREU, PALMA, LAVIN & SOLIS CUSTOMER SERVICE THAT THEY DO NOT HAVE TO PROVIDE PROOF AS REQUESTED. I FEEL THIS IS AN UNFAIR PRACTICE ON THEIR PART AND THEIR CLIENT NOT TO PROVIDE PROOF OF ACCOUNT OWNERSHIP. IN ADDITION, I ADVISED THE LAW FIRM THAT THEIR CLIENT HAS IN THE PAST TRIED TO COLLECT THE SAME DEBT USING A DIFFERENT DEBT COLLECTOR AND FAILED TO PROVIDE PROOF OF DEBT OWNERSHIP. ( PLEASE SEE ATTACHED DOCUMENTATION.
Consumer complaint received 2024-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc (GA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Financial Credit Network Inc. for Violations of FDCPA Dear Sir/Madam, I am writing to formally complain to Financial Credit Network Inc. , located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. Recently, I discovered that Financial Credit Network Inc. has placed me in collections for an amount of {$180.00}, which I have no knowledge of and never authorized. 

I have never conducted any business with Financial Credit Network Inc. nor given them any permission to act on my behalf in any financial matters. Therefore, I believe this action is a violation of my consumer rights as outlined under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, Financial Credit Network Inc. has violated the following sections of the FDCPA : 15 U.S. Code 1692f ( 8 ) : Prohibits using unfair or unconscionable means to collect or attempt to collect any debt. The unauthorized and erroneous reporting of a debt falls under this violation. 
15 U.S. Code 1692d ( 1 ) : Prohibits the use of any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. The false reporting of this debt has caused me undue XXXX and XXXX. 
15 U.S. Code 1692d ( 2 ) : Prohibits the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. The intimidating and threatening nature of an unwarranted collection notice is abusive and unacceptable. 
This erroneous entry has negatively impacted my credit score and caused me significant XXXX Therefore, I am requesting the following actions to rectify this situation : An immediate investigation into this matter by Financial Credit Network Inc. 
Immediate removal of this erroneous collection account from my credit report.

A written confirmation from Financial Credit Network Inc. and the credit reporting agencies that this collection account has been removed. 
I have already disputed this issue with the major credit reporting agencies and I am seeking the CFPB 's assistance in resolving this matter promptly and effectively. Also have contacted XXXX to help with this matter. 

I trust that the Consumer Financial Protection Bureau will act swiftly to address this matter and ensure that Financial Credit Network Inc. corrects this mistake immediately. Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (IL)

I have been a victim of Identity theft. I have sent all documents for over 7 months to all XXXX credit bureaus for the removal of XXXX accounts Discover card and XXXX. I have only received minimum responses that come over 60 days from my original investigation date. both creditors have incorrect information. Discover Card have account information that is incorrect. Its reporting XXXX, 30 days late consecutively. The rating reporting is impossible. I have never had an account with XXXX. The originator of this account is XXXXXXXX XXXX. XXXX XXXX removed this account from my credit files XX/XX/year>, XXXX refuses to remove this account off my XXXX or XXXX XXXX report using erroneous letters fake validation and stall letters. This has been extremely detrimental to my credit rating,
Consumer complaint received 2024-06-27
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: DISCOVER BANK (FL)

As of today XX/XX/2024 My XXXX credit report is not reporting the following tradelines : Discover, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of my positive history and on time payments that are not reporting are making it difficult for me to apply and/or be approve for extension of credit from other lenders.
Consumer complaint received 2024-06-27
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (WA)

I used my CashApp prepaid card to place a security deposit at XXXX XXXX. Each time in the past I have done this ( approx XXXX times ) it has taken XXXX weeks for the funds to make it back to my account. The last time it took 30 days to get my money back and the current time it has been XXXX  days so far. 

I did the exact same transaction with my XXXX card on the XXXX and had the funds added back to my account on the XXXX. 

It is not the merchant holding the funds. I have spoken with them multiple times. It is cashapp holding my money for a month without paying me any interest and against my wishes. 

Anytime I inquire or try to file a dispute they say I can't do anything because the transaction is pending. Which is bull. Even the vendor says they have completed it.
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

I have the Venmo app. In XXXX they took out what they call withholding for the IRS for payments saying I operated as a business. The payments were taken out on XX/XX/XXXX of the amount {$560.00}. They said this was in regards to a payment my mom, XXXX XXXX made to me on XXXX XXXX, XXXX. This payment was for medecines, groceries and other items I picked up for her and brought to her over a 5 month period. She is elderly, and homebound. The second withholding VENMO took out was on XX/XX/XXXX in the amount of {$170.00}. Once again this was a payment from my mom for groceries and medecines picked up. The third withholding by VENMO on XX/XX/XXXX in the amount of {$17.00}. These total {$750.00}. VENMO stated they were required by the IRS to make these withholdings and that they already sent this money to the IRS. 
I then called the IRS and was informed that they do not have any money sent to them by VENMO in my name. They further stated that the tax laws that were supposed to go into effect for the 2023 year were put off until XXXX ( for the XXXX tax year ), So 1. VENMO should not legally have withheld onto my money 2. VENMO lied about sending this money to the IRS 3. Venmo is illegally holding onto {$750.00} of my money that was not payment for a business nor goods and services -- -it was my mom paying me back for groceries, medecines, etc.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

hey i asked the Experian to do in in investigation of account XXXX XXXX XXXX that had a lot in inaccurate information and that if any information was inaccuracy to delete from my report .instead they made update and that was not my request so im writing to you In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent Account # 1234, has violated my rights.

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.

any actual damage sustained by comsumer as a result of failure or damages of not less then 100 not more than 1,000 : I want 1,000 per violation & removal of account from my profile.
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (AL)

I have been living in XXXX XXXX since XX/XX/year> and in XX/XX/year> I married XXXX  Woman there. I spend 9 months a year there and 3 months stateside. I have kept all my banking stateside. I use my debit card to make withdrawals from ATMs while I am there, and when I am stateside, I send money to my wife via Western Union or XXXX XXXX I have done this for 7 years with no problems. The amounts were usually between $ XXXX, for living expenses. We also take care of her elderly parents, who are very poor. I arrived here in late XXXX and in XXXX I attempted to send my wife money at XXXX via XXXX, but they said my account was flagged. I asked them to try XXXX XXXX, they said it was also flagged. 

After being told my account was flagead, I contacted my bank and debit card company. Both said they did not have a block on it. I contacted the XXXX  XXXX XXXX XXXX, who said they had never heard of such a thing. Western Union said to file a Fraud report, so I did with the FBI. 
Any help would be much appreciated.