davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

My husband XXXX XXXX XXXX recently awarded from as XXXX XXXX XXXX XXXX. what that means that we're no longer paying property tax. We have contacted our mortgage company '' Mr. Cooper ''. Spoke to many different representative. First one rep was nice told us they will get contact the tax office and will get it taking care. That did not happened. I called back XX/XX/XXXX date might be wrong, because we have called them multiple times. and everyone we spoke to give us different story. Long story we have provided proof to requested the mortgage company to stop the paying property tax. they said it's only {$250.00} exempt. I even the give them the person at tax officer Mr. XXXX XXXX XXXX XXXX XXXX XXXX. He is the one that approved the property tax effective date XX/XX/XXXX. As I said all this including the letter from MR. XXXX. I have faxed to Mr. Cooper fax # XXXX XXXX on XX/XX/XXXX. 
When I called XX/XX/XXXX spoke to someone, again I have explained all over again. They promised us that they will get in touch with tax office have it resolve. Now today XX/XX/XXXX when I called to Mr. Cooper Mortgage, nothing was done, again they told us that we have to contact the office again. We contact the tax office, they sent us the letter proof of our property tax exempt. The Mr. Cooper Mortgage refused to listen to us and give us a run around while we continue paying for property tax that we should not have. We want MR. Cooper return all money plus interested and finance charges, late fees and return to us.
Consumer complaint received 2016-07-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KY)

Carrington Mortgage Services, LLC ( XXXX, CA ) recently bought our mortgage from XXXX XXXX XXXX. I have not recieved a notice or letter from my new service, Carrington Mortgage Services , LLC . It has now reached the 15 days time frame I should have received a notice, as mentioned in my rights from the notice from my previous server, XXXX XXXX XXXX. 

When I called Carrington Mortgage, they refused to take a payment by phone or online. I am not current on my loan and need to make payments but it seems they are trying to make it " difficult '' to get a payment to the company. Not sharing important information of where to send the payment, not giving me my new loan number and refusing to set up payments. However when I agreed to send a XXXX XXXX they stated " I better call because they may " flag '' my loan as foreclosure. However I have not received 'Any ' information from them. I am really upset and disappointed with the company and when I asked about setting up automatic withdraw payments after the XXXX is paid and the account is current, they statement reply was - I would not be able to set up automatic withdraw payments for six months of paying current. I feel this is discrimination also due to the fact that I had a financial hardship while being laid off XXXX. Why would a creditor not want automatic bank payments??????? Straight from you account ... The answer I feel is they are trying to set me up for failure to loose my home. The law states this should not happen. I am wanting to make my payments. Please Help!
Consumer complaint received 2023-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/2023, XXXX XXXX sent me a Venmo in the amount of XXXX. I tried to instant transfer it to my bank in order to pay rent. Instant transfer was declined for some reason but standard transfer was available with a date of XX/XX/2023 given as the date to transfer to my bank by 2 different agents. Neither agent could tell me why the amount was on hold. I called on Monday and was told the same thing. I called today and was advised an additional 5 days may be needed before the funds would be released. This was never disclosed previously. Transcripts of all conversations were provided to me. XXXX XXXX Venmos me all the time as she is my rep payee for my XXXX funds. These are federal funds. Theyve never been held before and no reason was given as to why now. This is adverse action against me as a Medicare recipient. Additionally, Im incurring XXXX in late fees for being late with rent because of Venmo. I was told I could not escalate and no one knew who regulated Venmo. Id like the policy to be clearer, reasons for holding xfer past the 3 day window to be provided and any fees to transfer these funds be waived. The escalation policy should also be reviewed. My bank is XXXX XXXX. XXXX XXXX is XXXX XXXX and my name is on that account as well. Im being adversely affected. Funds couldve easily been verified. Please respond asap. Id also like a letter be sent to my rental company regarding this issue and for Venmo to refund any fees I incur for being late on rent. Thank you.
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (TX)

There is a collection that just appeared on my credit file that is unknown and I believe does n't belong to me. I need to have this matter resolved ASAP. I sent in a dispute but nothing received back. 

Harvard Collection # XXXX for {$140.00} Please help
Consumer complaint received 2015-06-09
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

XXXX XXXX XXXX sold our mortgage to Carrington in XXXX 2015. We received a cancellation notice from our homeowners insurance stating that the invoice they mailed to Carrington has gone unpaid! What are they doing with my money? Stealing it from us! My husband tried to reach a customer service rep at Carrington today to resolve the issue, and he was on hold for over 15 minutes and did n't get the opportunity to speak with anyone. We have a VA loan and this is how they treat military personnel.
Consumer complaint received 2021-09-30
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 — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC. (GA)

I HAVE BEEN DISPUTING AND REQUESTING FOR VALIDATION FOR THIS ACCOUNT FOR OVER 280 DAYS. THEY HAVE FAILED EVERY TIME TO SEND ME ANY SORT OF DOCUMENTATION PROVING THIS IS MY ACCOUNT IN ANY WAY. I HAVE REQUESTED THAT THEY REMOVE THE ACCOUNT FOR FAILURE TO ABIDE BY THE FCRA. THE LAST TIME I SPOKE WITH THEM THEY TOLD ME IT WAS REMOVED AND THEY WERE NOT REPORTING IT. THAT WAS A LIE. THAT WAS OVER 60 DAYS AGO. THEY HAVE NOT COMPLIED BY THE LAW AND REFUSE TO REMOVE THIS FROM MY REPORT MY LAST LETTER STATED This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days or more, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.
Consumer complaint received 2019-11-26
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (WA)

THIS CREDIT CARD WITH CAPTIAL ONE I FULL OF FRDUALENT CHARGES. THE REFUSED TO WORK WITH ME, AND HAVE SENT THIS ACCOUNT TO COLLECTION, IVE TRIED TO DISUPTE THE CHARGES AND EERY THING THEY REFUSE TO COOPER ATE I EVEN OFFERED TO SETTLE THE DEBT WITH THE COLLECTION COMPANY AND THEY REFUSED TO DISCUSS THE MATTER. THEY SENT IT TO A LAW FIRM, WHO SENDS YOU OFFERS OF SETTLE MENT, AND WHEN YOU GET THE MONDY AND CALL IN THEY INCREASE THE AMOUNT AND SAY THAT OFFER IS NO LONGER AVAIALBE. I HAVE NEVER HAD SO MANY ISSUES WITH A CREDIT CARD IN MY LIFE. THEY ARE A BILL BULLY, AND STAFF ARE RUDE.
Consumer complaint received 2024-04-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC. (CA)

XXXX XXXX SANTANDER CONSUMER USA Amount XXXX Date XXXX Reference Type Reference or Account Number ) NOTICE OF DISPUTE To : ( Collection Agency Name ), I, ( XXXX XXXX ), a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the XXXX XXXX Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Sincerely, ( XXXX, XXXX XXXX )
Consumer complaint received 2021-09-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I ( a natural Person ) submitted a Letter of verification to Equifax on XX/XX/21 regarding an account they claimed they investigated and verified. A response was received from Equifax which then again stated that they verified the account but refused to provide information relevant to the dispute that was provided to them that verified the account. Per 15 U.S. Code 1681i ( a ) ( 2 ) ( b ) The consumer Reporting agency shall promptly provide to the person who provided information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). Equifax is currently infringing on my rights and if they were able to verify that account as valid i demand that they provide me with the information received to verify account. If information is not obtainable and not received within time frame of 15 U.S. Code 1681i ( A ) i demand that it be deleted from my profile. If this is not corrected i will be forced to move forward with action due to the amount of violations that Equifax is currently accrued
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX  I tried closing my Wells Fargo Credit Card Account. I was told I couldn't and new cards were issued and sent to addresses in XXXX, TX that do not belong to me. I called again on Friday, XX/XX/XXXX  and requested my credit card account be closed out. I was told it would take up to 24 hours to close the account but it would be closed. I also reported fraud issues still occurring and was given a case number. On Monday, XX/XX/XXXX more fraudulent charges had been made onto my credit card account. I spoke with a representative that told me an investigation was happening and that my credit card account had been closed. On Wednesday,  XX/XX/XXXX I received an email that another credit card was being sent to my address. I called Wells Fargo yet again on Thursday  XX/XX/2021 to close the account and report the fraudulent charges on it. I was told the account was closed by consumer on XX/XX/XXXX 
Wells Fargo is NOT closing this account as it has been requested multiple times in the past 2 weeks.
Consumer complaint received 2021-09-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am, XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Reason : FDCPA section 807 Violation misleading false reporting Company name : XXXX Account number : XXXX Reason : Late payments on a charge off account is a violation of the FCRA Law Company name : XXXX Account number : XXXX Reason : This account does not comply with the FCRA law such as having a past due amount monthly terms and different dates of last activity Company name : XXXX XXXX Account number : XXXX
Consumer complaint received 2019-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been disputing these accounts for a while with no success, I did not open these accounts and did not receive any mo-notary gains nor services. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TX)

I was a victin of identiry theft were my XXXX Account was used to order multiple devices and new numbers. Despite my efforts to work it out with the company, we were unable to come to an agreement. I had 4 phones but only was paying for 2 because of a buy one get onefree promotion. I also had an unlimited data plan. Regardless of my 19 year history, XXXX hanged my plan without .y permission, denied doing it and charged me XXXX XXXX XXXX $ and XXXX $ last summer ( 2017 ) and they never removed the lines that had been added without my consent or knowledge. 
I left then XXXX of this year and went to XXXX. I received a final bill and paid XXXX $ for my final payment. 3 months later, XXXX sent my account to collections withiut notifiying me and did so with their television subsidiary ( XXXX XXXX for XXXX $ ). The tv charges were removed because i never received services but my final bill had changed from XXXX $ to {$3900.00}. The cell phone services were just for me and my duaghter who doesnt even use it really ( shes XXXX ). 

They have neglected their responsibilities and abused their power in a system set in their favor. I have proof of my payment and the final amount being incorrect, the termination fees and 2 phones could not be more the XXXX $ ( i paid 1 year already and they owe me credit from the mistakes they never rectified ). They have ruined my credit and made finding a home for my kid and myself impossible.
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NY)

CAINE and WEINER / XXXX / {$420.00} / XX/XX/2021 No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have 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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank continues to turn me down for credit cards Tj max, Amazon, Care Credit ), when giving a reason it says either open bankruptcy or past due accounts. This is false information. Ive contacted Synchrony Bank on numerous occasions to no avail. Today I spoke with 11 people. They blame it on their computer system and fail and refuse to look at my credit bureaus and make a determination based on my score and current credit history. They refused to give me corporate headquarters information also.
Consumer complaint received 2019-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (TX)

I made a XXXX XXXX payment through zelle on XX/XX/2019 for the amount of {$2000.00} to my non-XXXX account ( XXXX ). I entered my information correctly and have made several successful transfers in the past. However, this transfer was unsuccessful and the amount was taken out of my XXXX account, but never reached my XXXX account. I called Zelle and they said that the transaction failed and the bank should return the money to my XXXX account. I called XXXX and was told that the delivery was successful and was deposited to the recipient ( me ) which is not true. Even on my zelle  accounts activity, there is no record of this transaction. I do not know who to believe and neither side will give me any documentation in writing of what is going on. I was wrongly charged {$2000.00} for a failed payment and the worst part is that I have no idea where the money is and both parties are blaming each other without providing solutions.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

There are 2 incorrect pieces of information on my XXXX Credit Report- 1 ) I financed a car from Hyundai Capital America XXXX XXXX for {$18000.00} and have consistently made multiple payments in XXXX, XXXX, XXXX, and XXXX XXXX. My current due balance stands at {$3400.00} as of filing this complaint. However, the company has not reported any of my payments to any of the credit bureaus and my reports are still showing the same amount due i.e. {$18000.00} as of filing this complaint. This has significantly impacted my credit score and caused me difficulties in obtaining a home loan. 
2 ) There are 2 different inquiries on the name of Hyundai Capital America as of XXXX which seems odd. I have already reached out to XXXX XXXX, the dealership where I purchased the car, however, they have no clue about 2 different inquiries made by one company on the same day. Kindly remove one.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

To whom this may concern, I've already tried to fix this problem with this company and it seems as they never did a good complete investigation on my credit report. 
Here are the items that are hurting my credit report because of the company reporting the wrong information. 

I asked for these accounts to be verified to ensure accuracy which they did not do a good investigation on my accounts because they still reporting inaccurate information. I sent out a letter on XX/XX/21. 

These accounts are highly inaccurate that they want fixed and I want them deleted off my credit report : This account has no credit limit reporting and reporting the date of last payment wrong which is extending my statute of limitation and I want it to be deleted from my credit report for reporting inaccurate information. 
XXXX XXXX Account number- XXXX This account is reporting no credit limit and reporting the date of last activity and also extending the statute of limitation and I want it deleted from my credit report. 
XXXX XXXX  Account number- XXXX
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

In XX/XX/2019, I initiated a dispute against an entry on my report from a company called XXXX.  XXXX  reported me late 60 days, however I should have been marked as late only once.  I received a response from your company stating that the information had been verified and all information was being marked appropriately.  The form that I received from Equifax contained incorrect information concerning balances, as well as date of last payment, aside from the original payment issue.  I then requested a complete copy of my report so that I may dispute this information according to FCRA section 611.  On XX/XX/2019, you sent me a letter stating you could not locate a credit profile under my name and social security number.  Please explain how it is possible you verified incorrect information on my report then claimed I do not have a credit report on file with your agency..
Consumer complaint received 2021-09-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Please remove these accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

7. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft PORTFOLIO RC ( Original Creditor 08 XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft PORTFOLIO RC ( Original Creditor 08 XXXX XXXX Account Number : XXXX This is not mine.