davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I am in a active bankruptcy making payments to a trustee for arrearage mortgage payments as well as sending monthly payments to the mortgage company. I have tried many times to obtain a loan modification to help lower the interest and payments and Ocwen has always told me they never received my application with the required documents. Today I received a very alarming mortgage statement that indicates they are placing my payments in " unapplied funds '' account. A while back they indicated to the courts I had not been making payments and I had to bring an entire years worth of bank statements to the bankruptcy judge to prove differently. When I see this, I feel like they are going to pull the same trick and claim I am not making payments and I am not sure as to why they are placing my payments in such an account. My payments should be going towards a current mortgage payment and not in a unapplied account.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WI)

I am writing to file a formal complaint against LVNV Funding, LLC regarding their handling of a collection account on my credit report. Despite multiple attempts to resolve this matter through the proper channels, LVNV Funding has failed to respond to my requests for debt validation.
Consumer complaint received 2024-06-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc. (DC)

My wife and I are in the process of assuming an Veteran 's Affairs home mortgage through loan servicer/provider Mr. Cooper. The property is located in Virginia. 

I am submitting a complaint against Mr. Cooper because we began the loan assumption process in XXXX, and nearly 6 months later we still have not closed on this home. We were originally quoted 90 days, and we are approaching double that time. 

A recent Veteran 's Affairs Circular stipulates " Loan holders, or their authorized servicing agents, with automatic authority shall process and decide assumption applications for loans they hold or service within 45 calendar days of receipt of a complete application. '' However, it has taken an unreasonable amount of time for the loan assumption process to close. The Dept. of Veterans Affairs allows Mr. Cooper to service loans in Virginia, and that right should not allow Mr. Cooper to drag a request like mine well beyond a reasonable timeframe to purchase a home. 

Most recently, we received conditional approval for the loan in XXXX. Mr. Cooper has reached out twice since then asking for some information and documents, some of which we had previously provided, and several others which are superfluous. My wife and I have 3-4x the required down payment, and virtually no debt ( some almost paid off student loans ), and can not fathom why we have not been approved yet. In fact, we haven't heard from them in over a month despite several calls and emails. 

I'm submitting this complaint to hold Mr. Cooper accountable, flagging to other consumers about their poor communication and effectiveness for buyers and sellers. I can not even imagine the Sellers ' perspective - former Veterans who have made our country proud through their service. Yet their country 's financial institutions ( Mr. Cooper ) have turned their back on them, continuing to extend the loan assumption process unnecessarily, resulting in XXXX XXXXXXXX of additional dollars of loan repayment.
Consumer complaint received 2024-06-05
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. (NJ)

15 U.S. code 1681e ( b ) remove all false and negative reports from consumer report, ,Compliance state that the Credit Bureau must be in compliance states they called ( CDIA ) the consumer compliance standard states that in order for items to be reported on a consumer credit profile it must meet, yall ( credit compliance of CFBP and CDIA ) put this standard in place and all information must mandatory be in compliance with the information to be reported so since it doesnt I would like collect items that unauthorized and inaccurate or unverifiable must be removed from my credit repot.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

I am writing to address a matter of serious concern regarding a debt collection attempt made by LVNV Funding LLC, which I believe has resulted in a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>24, I discovered that LVNV Funding LLC reported a debt to XXXX or more credit bureaus without ever notifying me of the debt or providing me with proper instructions on disputing it. This action is a direct violation of the FDCPA, which mandates that debt XXXX must provide consumers with certain information before reporting a debt to credit bureaus. 

Specifically, LVNV Funding LLC failed to adhere to the following requirements under the FDCPA : 1. Notification of the Debt : Prior to reporting a debt to credit bureaus, debt XXXX are required to notify consumers in writing about the debt 's existence. However, I did not receive any such notification from LVNV Funding LLC. As a result, I was unaware of the debt until I discovered it on my credit report. 

2. Instructions on Disputing the Debt : The FDCPA also mandates that consumers be provided with clear instructions on how to dispute the debt if they believe it is inaccurate or incomplete. Unfortunately, LVNV Funding LLC did not provide me with any information on how to dispute the debt prior to reporting it to the credit bureaus. 

3. Timeframe for Disputing the Debt : Even if I had received notification of the debt, LVNV Funding LLC failed to inform me of the timeframe within which I could dispute the debt under the FDCPA. As a result, I was deprived of my right to challenge the accuracy of the debt before it negatively impacted my credit report. 

This failure to comply with the FDCPA has had significant adverse effects on my financial well-being and creditworthiness. I have been unfairly penalized due to a debt that I was not properly informed of and had no opportunity to dispute. 


Please be advised that I am prepared to take legal action if necessary to ensure that my rights under the FDCPA are upheld. I expect your prompt attention to this matter and a timely resolution.
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

This collection from LVNV popped up on my credit report. I have done no business with LVNV. They have yet to send any information as to why theyre sending it to me and where its from
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've been dealing with this issue since last year 2022. I am a victim of identity theft. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.
Consumer complaint received 2024-06-05
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX. 
I called Wells Fargo since they denied my credit card to XXXX XXXX. I already had a credit card, and it was not use so in XXXX, it was canceled. I tried to explain to Wells Fargo Agent that I can not give them my Social Security number since I was compromised XXXX years ago. I get a pin number every year from the US Government, and it changes to file my taxes. 
I asked if they could proceed without social security number they said, No. I asked if I give them the last XXXX digits of it, they said, No. 
Really??? There has to be another way and the agents said, No. 
That is why I am filing a complaint against Wells Fargo Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was to call by XX/XX/XXXX. I complied. 
Thank you.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Regional Management Corporation (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-11
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. (SC)

1. How can the original creditor report a balance when it's been sold to a debt collector XXXX XXXX XXXX Account Number : XXXX Delete from report 2. This is not my collection XXXX XXXX XXXX Account Number : XXXX Delete from report 3. Dates of activity do not match XXXX XXXX XXXX  Account Number : XXXX Delete from report 4. This is not my collection XXXX Account Number : XXXX Delete from report 5. Dates of activity do not match XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Delete from report 6. How can the original creditor report a balance when it's been sold to a debt collector XXXX XXXX XXXX XXXX 
Account Number : XXXX Delete from report
Consumer complaint received 2024-06-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (IA)

I am apart of the Sweet vs Cardona lawsuit. I am a full class member due to school misconduct. I have bad my loans discharged. PPSL - the lawyers that are helping the class action lawsuit has told customers whom have private student loans to contact your private student loan company for a form for discharge for school misconduct. I am currently using Wells Fargo for my private student loan company. I contacted them and they said that they would send me the form. After a few days of not getting the email, I called back and they told me there wasnt any form for that. 

XXXX, a student loan company that does both Federal and Private student loans had started reaching out to those students that were part of the Sweet vs Cardona lawsuit that were full class. Since then, that is when PPSL, the lawyers that are helping with the class action lawsuit told other borrowers from other private loan companies to contact their student loan provider.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NV)

THESE CHARGES ON MY ACCOUNT ARE FRAUD, THE CREDIT CARD WAS STOLEN AND USED WITHOUT PERMISSION, I CONTACTED THE BANK THEY SAID THEY WOULD TAKE CARE OF THE CHARGES THEY NEVER DID I GOT A STATEMENT AND CALLED AND SPOKE TO FRAUD AND FILED A FRAUD CLAIM, THEY STATED THEY WOULD TAKE CARE OF THE CHARGES ON THE ACCOUNT, THE CHARGES WERE NOW REBILLED, THESE CHARGES ARE FRAUD AND NOT MADE BY ME NOR MY AUTHORIZED USER, THE CREDIT CARD WAS STOLEN, REMOVE THE CHARGES IMMEDIATELY. I HAVE ATTACHED A FRAUD AFFIDAVIT WITH FTC. THIS IS UNACCEPTABLE FOR YOU TO CHARGE ME FOR CHARGES UNAUTHORIZED BY ME
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (TX)

I know from reading my credit report that you say I have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681 eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.

Not only is this illegal, this account is a fraudulent account that yall still have yet to remove from my credit report. I have submitted an FTC report along with proof of address and identity. This account must be removed from my credit report immediately or else my lawyer will seek litigation and compensation for each and every inaccuracy. 
Credit Card Account Charged Off : XXXX XXXX XXXX  - Fraudulent Account Account Balance : {$3000.00}
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (TX)

I know from reading my credit report that you say I have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681 eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.

Not only is this illegal, this account is a fraudulent account that yall still have yet to remove from my credit report. I have submitted an FTC report along with proof of address and identity. This account must be removed from my credit report immediately or else my lawyer will seek litigation and compensation for each and every inaccuracy. 
Credit Card Account Charged Off : XXXX XXXX XXXX - Fraudulent Account Account Balance : {$3000.00}
Consumer complaint received 2024-06-05
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: SANTANDER HOLDINGS USA, INC. (FL)

XXXX  XXXX : This account has been disputed 3 times. I have asked for verification of late payments. I have not recieved an account ledger from the creditor. I demand proof of this account if it is being furnished on my report. Please delete immediately! 

XXXX  XXXX : There is no notice of dispute marked on this account, yet it has been disputed 3 times. Under 1666b- billing error- I demand a copy of my statements sent 21 days before my due date. I demand method of verification. Please update to pays as agreed, never late. 

XXXX All account numbers on XXXX XXXX XXXX and XXXX report all student loans with no late payment history. This account has been disputed 3 times, yet there is no notice of dispute. I demand XXXX provide me with proof of the erroneous late payments. All accounts should match across all three credit bureaus. Update to pays as agreed, never late. 

SANTANDER XXXX : This account has been disputed 3 times, yet there is no notice of dispute. The open date is inconsistent across all three bureaus. Terms is incomplete. High balance is inconsistent. Date of last activity is incorrect- manipulating the statute of limitations. Payment history is inconsistent. The account was closed in XXXX of XXXX yet XXXX reports late payment history until XXXX of XXXX. I demand the removal of this erroneous account or I will be seeking arbitration.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Conduent Incorporated (GA)

I was receiving unemployment in XXXX and XXXX and a deposit was made to my way to go card account the amount of {$XXXX} XX/XX/XXXX in XX/XX/XXXX of XXXX at that time it had been a year Had passed before they deposited this money so I had no notification Until I recently file for an employment and noticed that I had a current deposit from XX/XX/XXXX in the amount of XXXX so I called to see about that amount and found out that other deposits had been made when I asked money had already been subtracted from the card spent from the card so I wanted to start an investigation to get to the bottom of it and all I got was the runaround. Up to the point where they have denied my claim due to it being over 120 days thats not my fault. I never apply for unemployment again I wouldve never known about these funds. Im sure Im not the first person to experience this more people suffer from these consequences of way to go.
Consumer complaint received 2024-06-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (NC)

I received payday loans from advance america in north carolina in the XXXX  and was charged large fees and amounts were deducted before they were due which lead to fees from my bank.
Consumer complaint received 2024-06-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Velocity Portfolio Group (FL)

I had a personal loan with a company named XXXX for {$11000.00}. I paid off {$3600.00} of which {$1100.00} was interest. I took out the loan on XX/XX/XXXX. I made XXXX payments and unfortunately, I had to file for bankruptcy in XXXXXXXX XXXX XXXXXXXX, to save my home from foreclosure. A company named XXXX XXXX XXXX, then bought the debt and has been sending threatening letters from lawyers to me and is also trying to take me to court. They have also threatened to have me incarcerated if I don't show up to the court hearing.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kikoff Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (RI)

I have been referred to square for a POS system. It was fine for a while until I actually started to have money coming in. Right before the year was over in 2023 I had a customer spend over XXXX in XXXX month. For some odd reason they couldnt or would process a XXXX charge, so we separated it into a few payments. Due to that they made me jump through hoops to even collect the money. I couldnt cash out for weeks or days sometimes. So I guess on XXXX of my final transactions which was lower than any of the other transactions put my account under high risk. Due to this I was unable to cash out my money since XX/XX/year>2023. Almost 6 months later XXXX just sits in a wallet I can never access that just says pending deposit and changes the deposit date everyday. Im just tired of the run around of this company because when your account is flagged high risk they wont even talk to you. You cant even get a valid response as to why they cant deposit my money even though they flagged my account. Even if I cant use them moving forward in at least owed the money thats owed to me. They should have never let me make purchases and give out products if this is how they run business. I was unable to continue my life or even maintain the business I had due to the fact I have money that can change my life that I cant touch. Im really frustrated at this point and I dont know who to turn to because all they can do is just deposit my money into my account.