davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (MS)

Re : Investigation Complaint Against Credit Management LP To Whom It May Concern, I am writing to file a formal complaint against Credit Management LP for multiple violations of my consumer rights under federal and state laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), the Uniform Commercial Code ( UCC ), and relevant Mississippi state statutes. 

Summary of Violations : Failure to Validate Alleged Debt : Despite my requests for validation, Credit Management LP has failed to provide proof of the alleged debt, including but not limited to the original creditor 's information, proof of a license to collect in the state of Mississippi, proof of the debt purchase agreement outlining the terms of the debt purchased, and confirmation of compliance with Mississippi state statute of limitations. 

Use of Law Firm as Debt Collector : Credit Management LP has engaged its law firm as a debt collector, which is in violation of federal law, as outlined in the Fair Debt Collection Practices Act ( FDCPA ). 
Legal Basis for Relief : Failure to Validate Debt - UCC Law Codes : UCC 9-609 : Failure to provide proof of a valid debt constitutes a default.

UCC 1-201 ( 37 ) : Defines an " unauthenticated debtor '' in relation to providing proof of a valid debt.

Failure to Validate Debt - Federal Law Codes : FDCPA 809 ( b ) : Requires debt collectors to provide validation of debts upon consumer request.

FDCPA 807 ( 10 ) : Prohibits the use of false or deceptive means to collect a debt.

Use of Law Firm as Debt Collector - Federal Law Code : FDCPA 807 ( 6 ) : Prohibits deceptive practices in connection with the collection of any debt, including the use of a law firm as a debt collector. 
Request for Investigation and Relief : I request a thorough investigation into Credit Management LP 's unlawful debt collection practices and failure to validate the alleged debt. The failure to provide the requested information should be considered a default and admission of the illegitimacy of the debt.

Violations : Failure to validate the alleged debt as required by the FDCPA and UCC.

Use of a law firm as a debt collector in violation of the FDCPA.

Remedies Requested : Monetary relief for any damages incurred due to Credit Management LP 's unlawful practices. 
Personal punitive damages for the distress caused to my life by their actions. 
I appreciate your prompt attention to this matter and look forward to a resolution that ensures the protection of my consumer rights.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Beginning on XX/XX/XXXX, I've sent numerous notarized written documents to Transunion advising of my dispute and requested validation of a closed XXXX collection account - XXXX that was being reported on my credit ( verified/certified proof of USPS delivery on XX/XX/XXXX attached ). Transunion simply kept returning copies of my credit report with a statement they reached out to the creditor each time I requested and the account had been verified. No other information was provided as to the process of verification and no validation documents were ever remitted. On XX/XX/XXXX, I filed a complaint with the CFPB ( Complaint XXXX ) against Transunion for violating my rights under the FCRA. Shortly thereafter, I FINALLY received a letter from XXXX, dated XX/XX/XXXX, advising they received my request for validation and they have enclosed documentation as it relates to the account referenced above. The enclosed documentation was 3 months of CURRENT XXXX bills. There was no validating information such as my signature included. I contacted XXXX on XX/XX/XXXX and verbally verified they had in fact received my dispute. If Transunion is truthful in that they were in fact sending the disputes to XXXX since XX/XX/XXXX, XXXX is in violation of the FCRA. If XXXX ONLY received the request for validation after my CFPB complaint, Transunion has been deceitful and in violation of the FCRA as they have previously claimed in several written documents ( as well as recently in their official and public response to CFPB Complaint XXXX on XX/XX/XXXX ) that Each source we contact is provided all relevant information regarding your dispute, including your letter and all documents provided by you at the time the dispute, and is requested to verify the accuracy and/or completeness of the information reported.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (AR)

After making a complaint yesterday about the fact my dispute has gone unsolved and Apples behavior, my dispute was closed and not applied to my balance, they ruled in favor of XXXX, dispute the evidence I uploaded, that I also uploaded to you guys yesterday. 
And my {$200.00} payment also had not been applied to my balance. My available balance is {$0.00} This was done in retaliation to my complaint made yesterday prior. 

They are now trying to silence me by intimidating me using my money. 

I have also requested my {$200.00} payment be refunded.
Consumer complaint received 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (NJ)

I have been trying to resolve issues with this company since XXXX XXXX and have been treated poorly and nobody was willing to listen to my problem. It started with me switching banks. I contacted Loan Care to stop the payment in one bank and take out of the other. I was informed that it could not be done, it was too close to the payment. They proceeded to take it out twice and both times returned. I then agreed to pay twice in XXXX to bring up to date from new account. I had a deposit from the state of XXXX into my new account. I then was informed this deposit would be held for 10 days due to an ACH glitch, so I informed Loan Care but they continued to take out a payment that was returned. I then paid two payments from on line banking to Loan Care in XXXX. My bank both listed them as processed with a conformation number. I did not think about it again thinking I was current and the issue was resolved. I then get a foreclosure notice that I am 60 days overdue. Loan Care blamed my bank that they never sent the funds. I contacted my bank and they informed me it was sent and for some reason was returned. By now it is the XXXX XXXX and I called and said you already messed my credit and I do not want to be 90 days so take the money now. The rude customer service representative said no I can only pay by certified check. I took off work and ran to the bank and then the post office. I sent it the fastest way possible since on XXXX  it would be 90 days. They did not process until XXXX  so now my credit is ruined. I borrowed money from my pension fund to pay all fees and bring the mortgage current plus some. I used my bill pay feature and XXXX was sent and processed. I now received another call that I owe XXXX. I said once again payments were processed and Loan care did not process them. They put me on hold and said all the payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were returned because I can only pay by certified check. Now I have to miss another day of work to go to the bank, when nobody ever notified me of this. I am so angry but when I ask for a supervisor, I am placed on hold so long I hang up.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CT)

I opened a dispute with Comenity Capital Bank on XX/XX/22. I recently received an incredibly vague letter from them on XX/XX/22 referencing the dispute in question. However, they failed to provide me with the Dispute ID associated with the investigation. I immediately reached out on XX/XX/22 to request this Dispute ID. It is now XX/XX/22, a full XXXX days after I initially requested the information and they have been giving me the run-around, even after multiple follow-ups. This is unacceptable. I need this information to track the progress of or provide evidence for the dispute. They keep telling me to call, but it was a failure on their part not to include it in the original letter, and I really dont want to sit on the phone for hours on end just to receive a piece of information they should have sent me. I have included a copy of the letter and sampling of the responses provided to me by Comenity Capital Banks XXXXXXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: OLD NATIONAL BANCORP (IN)

On XX/XX/XXXX of 2023, and XX/XX/XXXX I was charged for a total of {$160.00} for both transactions combined. I have contacted both companies and have not heard anything about the situation. I had contacted one of the companies about 2 times but didnt get a response. I also had contacted another company but no response. I would like to get my money back.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, AP XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00}.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

I have gotten XXXX credit card denial letters from XXXX different credit cards. It seems that someone has my social and has been trying to apply for credit cards. I am concerned and don't know what to do. please help!
Consumer complaint received 2024-02-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MD)

A law suit needs to be filed against XXXX, I really do not understand why there is a lot of fraud going on with their gift card and I do not know what theyre doing to curb this I work as a XXXXXXXX XXXX  and I was on an assignment in Texas XXXX I thought of surprising some of my co workers after the holiday, so I bought 4 vanilla gift cards ,3 valued at {$500.00} each and one for {$350.00}, I bought it at different intervals kept it and took it to work after my assignment, to my surprise none of these cards worked, I look so stupid to my co workers because they all have XXXX balance after activating, I came online to read and found out there are lots of complaints about XXXX products especially the XXXX, my neighbor told me he had the same experience recently, I am attaching all cards and receipt to this case, I want a refund check of my {$1800.00} mailed to me and a mailing tracking provided to me, to be sure this was sent
Consumer complaint received 2024-01-20
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. (LA)

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.

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 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TN)

My loan was originally with Benchmark Home Loans. My loan was sold in approximately XX/XX/XXXX, and Mr. Cooper became my new mortgage servicer. Prior to Mr. Cooper becoming my mortgage servicer, I placed my homeowners insurance with XXXX XXXX XXXX Mr. Cooper has been receiving mortgage payments along with payments into an escrow account to pay my insurance renewal. 

My homeowners insurance renewal bill was issued by XXXX XXXX XXXX Mr. Cooper did not issue a check to pay the preium XXXX per their own admission. My premium payment was due XX/XX/XXXX. On XX/XX/XXXX, my premium was 8 days overdue with XXXX and they advised they had not received payment from Mr. Cooper. Therefore, I was forced to pay my homeowners insurance premium in the amount of {$2000.00} in full to avoid my policy being rescinded/cancelled for non-payment of premium. 

I pay into an escrow account and expect my mortgage servicer to promptly pay taxes and insurance bills. Mr. Cooper failed to pay my insurance bill timely, which could have resulted in a significant exposure by having my insurance rescinded, leading to higher premiums with less coverage. I have also had to previously remind them to pay my county tax bill to avoid penalties. Further, Mr. Cooper 's recent data breach has exposed my personal information. Mr. Cooper is failing to promptly service my escrow account and does not appear to be taking appropriate action to protect my interests.
Consumer complaint received 2024-02-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (FL)

I bought airline tickets using XXXX, on XX/XX/, my daughter and I missed the flight due to XXXX XXXX long waiting line and not enough employees working during checkin, we checked in night before online, where at checkin at the airport XXXX hours before our flight only to drop off our luggage. Due to airline cancelation waiting line at checkin made us miss the flight. We try to take the next flight, airline did not give us any support, despite it was the airline fault. We were left at the airport without any help. I've been requesting a refund without success.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint in accordance with the Fair Credit Reporting Act ( 15 USC 1681, section 602 ), which stipulates the need for consumer reporting agencies to carry out their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I am entitled to accurate and equitable information reporting. Upon contacting TransUnion to address certain accounts labeled as charge-offs, I engaged with a representative who corrected the spelling of my name but redirected me to another representative, XXXX XXXX , to address the charge-off accounts. I informed XXXX XXXX of the charge-off accounts and requested their removal. However, he informed me that he would not be able to fulfill this request. I proceeded to explain to him the IRS definition of charge-offs, which categorizes them as gross or ordinary income that is not reported on consumer reports, rendering the reporting of these accounts inaccurate. Despite this clarification, he maintained his stance that he could not remove the accounts. So I proceeded to explain to him the CFRs and the UCC codes and he still said he could not remove the accounts. Here are the CFRs and UCC codes below. 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I'm opting out of only the below accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

Apple routinely charges me interest after I have already submitted my full statement balance because they do not send you your billing statement until after the end of your billing cycle, despite making the statement due date just before the billing statement is sent out to you. It seems as though Apple has structured their payment systems so that you are always late or overdue. For example, I have a recurring billing charge for an XXXX I purchased using their XXXX zero-interest payment option however, that monthly payment doesn't appear as a charge on my billing statement until after that month 's bill is due. This means that at the end of XX/XX/XXXX, my Apple card statement doesn't show my recurring charge but on XX/XX/XXXX it will show, and it will now be recorded as an outstanding balance because it wasn't paid before the end of my billing cycle, which is XX/XX/XXXX. This discrepancy has caused me to owe apple interest fees every single month despite always paying off my full statement balance as shown in their credit card app.
Consumer complaint received 2018-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (NC)

XX/XX/XXXX, {$530.00}, I have contacted XXXX XXXX XXXX several times requesting proof of a debt for several years and I have been told it is my responsibility to prove I do not owe the debt. I have not had service with XXXX XXXX XXXX for over 10 years, however, the company is reporting service with them as early as XX/XX/XXXX. I have written a dispute to the credit bureau-XXXX-with no resolution.
Consumer complaint received 2024-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

I was told my account was frozen due to a transaction taking more money than I had ( {$0.00} over ) when I talked to the agent I was told they couldn't figure out why it was frozen, then couldn't find the transaction ( asked me to find it for them ) then once they located it they told me that I should be done by the next day or so. I have now been waiting for a week and all they tell me when I contact them is they don't have an ETA on a resolution and to just keep checking to see if its fixed.
Consumer complaint received 2024-02-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

As a student of XXXX XXXX I was defrauded out of XXXX of XXXX with malicious intent. Navient as a servicer should be held liable for handling funds for a fraudulent entity. DoE has discharged all federall guaranteed loans but I paid over XXXX in loan payments to 2 private loans held by Navient. There should be forced recourse by this loan servicer to refund all paid monies.
Consumer complaint received 2024-02-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/, I requested a wire transfer of {$75000.00} from my Wells Fargo account to a foreign account with a XXXX XXXX address. I am requesting that Wells Fargo deposit the this amount back into my account. 

I was led to believe that this account was legitimate, but I later learned that is was a scam. I have a copy of the wire transfer document. I have since learned that in fraudulent wire transfers, the party most Courts rule that the party in the best position to discover the fraud should bear the loss. Clearly, Wells Fargo is better equipped to identify fraud. 

XXXX attorney 's opinion You are right about the bank saying that this is their policy on all wire transfers. So it means that for your case they behaved exactly as they do with all the other cases - just formally, nothing else. And in XXXX out of XXXX transfers ( approximately of course ) it is a good legitimate transfer. So they don`t bother to do a detailed check. But your case was namely that XXXX transfer that they could stop and prevent you from losing your money. 
It wouldn`t take a long time for them. Just about XXXX minutes to understand this is a scam. If they didn`t speak to you if they didn`t ask you any detailed questions if they didn`t tell you something like " sir, we are sure that this is a scamming scheme, this company has no license, their website is only 3 months old, scam advisor rate is lower than 10 %, we definitely not recommend you to send them money '' then they didn`t do their job 100 %, and there are good chances to point them on their mistakes and get you compensation.