davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Collections West, Inc. (AZ)

On XX/XX/2024 I contacted XXXX. XXXX XXXX XXXX regarding a debt that showed up on my XXXX credit report that I had never received a debt validation notice about. I called asking for proof of debt to be emailed to me at XXXX. 

After no proof of debt was sent, I filed a dispute with XXXX on XX/XX/2024, and followed up with a call, I left a voicemail asking for a call back. 

On XX/XX/2024 I called again to ask about next steps and was transferred to a representative named XXXX, her phone number was ( XXXX ) XXXX. She told me that they did not have proof of debt and due to my filing of that dispute they would be in contact within 30 days of XX/XX/2024, and that my account number for this was XXXX. 

XXXX stated that my Dispute results were ready on XX/XX/2024 with report number XXXX, however the day prior I had just confirmed the XXXX Collector had no proof of debt. 

I called and left a voicemail XX/XX/2024, after those 30 days to ask for an update, and after not hearing anything I filed an additional dispute XX/XX/2024 stating I received no proof of debt, and the 30 day period had passed for the debt collection company to obtain it. 

On XX/XX/2024 for report number XXXX, XXXX XXXX stating that the dispute has been completed and still provide no proof. 

I tried calling again, XX/XX/2024, and it went straight to voicemail again. 
I received a letter dated XX/XX/2024 stating " We previously provided you with the documentation provided by our client to validate their claim. '' Which is false.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (PA)

I sent a letter to the company, several months ago and asked for the balance to be corrected, since a IRS form 1099 C was submitted to the IRS and accepted. Also the addresses on the report are un-mailable and need to be removed, the phone numbers, and email address.
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

Trying to purchase an RV motorhome from said person on the internet working under the personal name of XXXX XXXX. Told us to give his dad XXXX XXXX of the business of XXXX XXXX in XXXX, XXXX a call for communication. Phone number provided was XXXX. He provided all personal and business information that was necessary for transaction. After multiple phone calls, text messages, online messengers was told to wire the money to Wells Fargo Bank and vehicle was set to be transported and delivered. Said person was able to provide copys of title and all necessary information for purchase. Money was sent on Friday, XXXX with the expectation of unit to be delivered Monday/Tuesday of the following week. On Monday XX/XX/XXXX at XXXX XXXX with Wells Fargo Risk Loss Prevention ( XXXX ) contacted us stating there was suspecious activity with wire and wondering if we would authorize the release of funds. We told them to not release the funds and we would check into the situation. She provided a reference number ( XXXX ) to contact them back with at phone number XXXX. They obviously called me for a reason. On Wednesday morning XX/XX/XXXX, we contacted Wells Fargo with reference number and spoke with XXXX to not release the funds as there was fruad that had occured. They told us to contact your bank to have them start the process. We asked them if they thought we would get the money back, they replied yes. On Friday XX/XX/XXXX they contacted our bank ( XXXX XXXXXXXX XXXX XXXX XXXX  ) and told them the funds were gone and no longer available. 

We have tried multiple times to contact Wells Fargo to get more information, figure out what happened, talk to an upper management, etc... There response has been, they don't have manager, have hung up the phone multiple times and refuse to provide any information as to the situation or the money.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-14
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

Lvnv Funding LLC/ Resurgent Capital Services goes by two names! this company has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile along with this Debt Collector, 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me many problems, I can't get good rates on insurance or credit or a loan!!! I want this derogatory information removed from my credit profile because I did not give consent per 15 USC 1681 ( a ), ( 1 ), ( 4 ), ( b ) compensate me for the violation. Update my credit profile, I want Everything in writing also the investigation 15 USC 1681j 12 CFR Part 1022, Subpart N, ( C ) Nation-wide specialty consumer reporting agency, 15 USC 1681i ( iii ), ( 7 ) Description of reinvestigation procedure no later than 15 days ( 8 ) Expedited dispute resolution ( e ) Treatment of complaints and report to congress, Update my address & remove the old address on my profile because I don't live at those listed address but one address which is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX it's not accurate 15 USC 1681 ( a ) Accuracy and fairness of credit reporting.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE (IL)

I received a notification that a hard inquiry showed up on my credit report. I contacted Barclays bank Delaware to ask them about this. I have no knowledge and did not authorize anybody to apply for anything with my Social Security number and personal information. I called to speak to Barclays Bank Delaware on XX/XX/year> at about XXXX on a recorded line. I would like this removed off of my report being that I did not authorize or apply for any type of financial product. The company told me they had an application on file under my name and social security number but with a different address and phone number. The company confirmed it would report the application as fraudulent and deny it. They also said this should remove the hard inquiry from my credit account.
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (MA)

I purchased my home with a XXXXXXXX XXXX serviced by XXXX XX/XX/XXXX. I entered into forbearance after changing jobs and struggling financially. The forbearance was extended and then when it came time to renegotiate XXXX sold the mortgage without notice to Selene XXXX XXXX. I received conflicting mail from XXXX approving the request for mortgage assistance dated XX/XX/XXXX with the XXXX payment due XX/XX/XXXX. I also received notification from Selene that they now owned the mortgage dated XX/XX/XXXX. I received XXXX different letters showing XXXX different amounts owed and both letters are dated XX/XX/XXXX with the effective date of XX/XX/XXXX. I also received a notification dated XX/XX/XXXX from Selene telling me to apply for their modification program. I tried to make a monthly payment with XXXX but was told my account has been sold and the account shows XXXX due online. I tried to make a payment with Selene and was told I would need to pay XXXX months of arrears, no less. Selene outright refused to take the monthly payment due. My financial circumstances have improved and I am able to make monthly payments but can not get XXXX or Selene to accept payments. I had been in communication with XXXX the whole time and they kept saying to wait until a decision is made. I was expecting to roll the arrears to the end of the loan and resume making payments which XXXX infact approved by letter dated XX/XX/XXXX. Instead I am being targeted by Selene finance to take the house if I can not pay XXXX months of mortgage payments in XXXX lump sum. The representative for Selene told me that my modification request will likely be denied since I can not afford to pay. I feel she was trying to discourage me from submitting the application. I explained that I can make the monthly payments and she refused to take the monthly payment. I'm left with no where to make a monthly mortgage patment now that I am able to pay. XXXX should honor the terms of their agreement for a trial payment period instead they turned me away from making the XXXX payment due XX/XX/XXXX telling me the loan has been sold. Selene says in a letter dated XX/XX/XXXX that the loan is serviced by XXXX XXXX but XXXX XXXX does not have any account in my name with the account information provided. This letter says the amount due is {$320000.00}. Another letter with the same date says the amount due is {$280000.00}. The amount that XXXX online shows as the serving transfer amount is {$25000.00}. Selene Finance LP must be stopped from defrauding me out of my home.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX. And Account # XXXX, 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.
Consumer complaint received 2023-04-23
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. (NV)

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

Account name : XXXX XXXX Account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-09
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO. (AR)

JP Morgan XXXX XXXX foreclosed on my home and I dont even know who they are. I lost my job and my mortgage was taken directly from my check every month since I bought it in XX/XX/year>. My mortgage is public record and has my full account number and social on the front page. Not my ex-husbands social. Only mine. The paperwork is not redacted. I lost my house. I dont have any way of buying a new house or getting an apartment because the terms are different on all platforms that I check my credit on, and my credit report shows XXXX mortgages in XXXX of 2009. Both are incorrect on all XXXX platforms that I have checked. And I only had XXXX mortgage EVER. I want the matter resolved ASAP. I am ready to move. I am ready to have a different life. I am tired of playing this game with Chase/JP MorganXXXX XXXX XXXX XXXX I am sorry that they didnt want me in their subdivision, but they can not simply go take over my loan and kick me out. The amount that XXXX picked up the loan for is the exact same price that I paid for the house. And it was WAY too much for the piece of XXXX I got.
Consumer complaint received 2024-07-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo sent me a check for {$500.00} and a letter with the ambiguous statement that they " may have '' made a mistake with my mortgage refi. 

They know EXACTLY what they did wrong and I want to know SPECIFICALLY what they did to me that was illegal. 

I've spoken with various flying monkeys at Wells Fargo, wasted HOURS on the phone with them, only to be told that I need to request arbitration. 

I've requested arbitration and have gone through the filing process with the Wells Fargo phone reps I've spoken with. I've received no contact from Wells fargo AT ALL!! 

Today, I received a generic letter from Wells Fargo with a form to fill out to request arbitration. 

I'VE ALREADY GONE THROUGH THE APPLICATION PROCESS TO REQUEST ARBITRATION. 

Wells Fargo is stalling and pretending they're being responsive to the complaint I've filed. WELLS FARGO IS DOING NOTHING BUT STALLING!!!
Consumer complaint received 2024-07-14
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (PA)

My credit report is showing a collection account from a debt collector that I never gave permission signature to collect on this debt. The collection is from Credence Resource Mana on XXXX. I never received written notification about this debt so, I had no chance to dispute this debt. I am also requesting debt validation, in this debt validation I am asking for a detailed list of history of payments, the signature I put on the contract guranteeing that I pay this debt, I want to see proof that you have chain of title to collect on this debt according to U.S code 1692 this collection needs to be removed immediately.
Consumer complaint received 2024-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (AR)

I was working with XXXX in 2020. I am unhappy that somehow NelNet ended up with my loans. The problem is that I was being redirected to nelnet.studentaid.com instead of nelnet.studentaid.gov and I am not going to work with XXXX XXXX for any reason whatsoever. I did not consent to XXXX XXXX being involved in any of my finances at all. I want them prosecuted for fraud.
Consumer complaint received 2024-07-02
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC (FL)

I NEVER had an account with XXXX XXXX. Check the records, I told them and I never had a XXXX XXXX phone number, phone, or anything. In fact, it was at the beginning of COVID and I saw a deal, called about it, then changed my mind and XXXX XXXX SENT ME MONEY! THE COLLECTION AGENCY JUST PICKED THIS UP OFF A DESK OF JUNK LEFT WHEN EVERYONE WAS TOLD TO GO HOME FOR THE COVID DILEMMA. 

THERE ARE NO CALL RECORDS OR PHONE NUMBERS ASSOCIATED WITH ME AND XXXX XXXX.
Consumer complaint received 2024-07-16
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (KY)

Creedence resource management is trying to collect a bill from XXXX XXXX XXXX dated back XX/XX/XXXX XX/XX/XXXX. This false statement, XXXX years ago for XXXX. 
Creedence resource management has falsified the document with my signature
Consumer complaint received 2024-07-09
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: Newport Intermediate Inc. (TX)

I made an online purchase at my local XXXX XX/XX/XXXX for XXXX, XXXX did a pre authorization, XXXX didn't have the grill I ordered and the total charge was for XXXX XXXX released the hold on XX/XX/XXXX and made the XXXX charge, The only transaction on the card is for XXXX app, I have called XXXX XXXX numerous tines at XXXX, they told me that it could take up to 30 days for the funds to be back on the card, now they are telling me XX/XX/XXXX, now I believe I am being scammed out of my money Thanks XXXX XXXX XXXX
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One Services, LLC engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error. I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. They reported this billing error XXXX times across the span of XXXX, XXXX. They reported XXXX, XXXX of XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX ; as well as XXXX of XXXX as late payments. I did not receive a statement 21 days before the late payment error. Within each of these statements, I was assessed a late charge and interest accrued, adding to approximate amount of {$47.00}. 
Furthermore, IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. Each statement writes they will not report me as delinquent on my report. 
Both XXXX and XXXX are reporting negative information on my account on my behalf without my permission, which is a violation of I5 USC 1681b.This account should be listed as PAYS or PAID AS AGREED.
Consumer complaint received 2024-07-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

Payments were improperly applied to fees that offer no description of what the fees are outside of " misc ''. All fees pertinent to mandatory disclosure such as late payments, bank reversal are identified. However large payments were made and applied to " misc fees '' that have no description or nature. This is in line with the predatory practices identified in the State of FL vs. Santander. I conveniently wasn't notified of my eligibility to participate as a Fl resident. This violates FCRA, Truth-in Lending since other service fees were attached and Consumer protection laws. The actions were post lawsuit agreements, thus willful and deceptive.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION (PA)

My identity was stolen a few years ago and someone opened a bank account at M & T using my last name before I was married. I spoke with M & T and they said it was already flagged as fraud. I would like to freeze my account again.
Consumer complaint received 2019-06-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

This complaint is in regards to an illegal foreclosure suit that XXXX XX/XX/XXXX XXXX has filed for the second time. The judge dismissed the first illegal foreclosure they filed on XXXX because they failed to submit the mandatory papers to prove standing. Then in XXXX they decided to file another illegal foreclosure suit against me and my wife. 

However, this time, they have not only failed to provide proof of the promissory note ( that we made with XXXX XXXX in XXXX ) They have fraudulently signed a bogus assignment of mortgage, signing as power of attorney for HUD. They have ignored the judges demand to state the date that they supposedly ( after six years being lost ) found the note. 

But the main reason for this complaint is to alert CFPB about the illegal use of the title of " trustee '' for what I believe, is a made up trust. In XXXX they filed as trustee for XXXX title trust! .Now they have filed as trustee for XXXX trust Series XX/XX/XXXX-CTT. 

Through my attorney I have requested numerous times the PROOF that this new trust even exists. If my mortgage was originally securitized, Then how can it be re-securitized. I request that CFPB investigate as to the veracity of the trust because I sincerely believe that is a lie.They have never submitted : 1- A copy of the COMPLETE RMAC trust, Series XX/XX/XXXX-CTT INSTRUMENT, LISTING THE TRUSTOR, BENEFICIARIES/ INVESTORS AND PROPERTY and date of registration. 

2- Documents showing that trustee is active, owning the debt that empowers XXXX XX/XX/XXXX to be a trustee pertaining to my loan. 

3- All documents showing physical existence of the trust, including details concerning XX/XX/XXXX XX/XX/XXXX as an actual trustee or the powers it has over the trust property ( including the mortgage ) 4-Documents showing business records of XXXX XX/XX/XXXX Trust Dept. , and who maintains these records, including bank account transactions in the name of the trust that XX/XX/XXXXXX/XX/XXXX has stated has standing to foreclose on my loan. 
5- Power of attorney from HUD to XXXX XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) on assignment of mortgage.