davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (NC)

I am writing this letter due to the actions that Spring Oaks Capital has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with Spring Oaks Capital, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2022-08-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (PA)

The company is not willing to help with any type of modification, and im becoming more aware that my mortgage was sold to a company who bought it knowing I was behind on my payments. Shellpoint is servicing the loan and i do not know who the investor is. when i started this whole process and was placed on forebearance i was not as far behind on my mortgage as i am now and i keep getting more and more behind. XXXX XXXX XXXX is helping me and a complaint was already filed and it was closed and i did not want it to be.Complaint # XXXX
Consumer complaint received 2019-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2019 I used XXXX through my Bank of America App to transfer ( {$130.00} ) money for merchandise I did not receive. After contacting  Bank of America they said they likely wouldn't help because I initiated the transfer. I just want my {$130.00} back, it's causing my financial crisis.
Consumer complaint received 2022-04-14
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (VA)

I requested a temporary suspension of payments with Speedy Cash on XX/XX/XXXX by email to their customer service center due to my income reduction due to the COVID-19 pandemic. Speedy Cash responded, however ; they would not work with me. I was unable to pay, as my hours were reduced from XXXX hours to XXXX hours. The creditor Speedy Cash was never listed as an entry on my credit report, however ; the collection agency Ad Astra Recovery Services appeared on my credit report XX/XX/XXXX. I never received any correspondence or contact from Ad Astra Recovery Services. Then shortly thereafter, Speedy Cash appeared as creditor on my credit report approximately on XX/XX/XXXX or XXXX of XXXX and I never received any correspondence or contact from Speedy Cash.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ;
Consumer complaint received 2024-02-12
Product: Credit reporting 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: Experian Information Solutions Inc. (TX)

Ive used experienced faithfully. Here recently it keeps saying use my credit card to view reports I never signed up for a different membership when I called to ask whats going on they said they had to cancel my membership now I cant see scores. At this point these credit companies work together Im convinced I just had this issue w XXXX now when I log in to experian its a blank page so I guess I have to pay to see scores now????
Consumer complaint received 2022-04-14
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  XXXX # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-10-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanUnited.com, LLC (TN)

Loan United solicited me by mail and phone calls about the VA Interest Rate Reduction Loan in XXXX after reviewing my loan somehow. I was told that my interest rate was too high 5.25 % and that I could skip 2 months payments and also receive a refund from my escrow account. 

I provided all necessary loan documents and waited and waited ... .meanwhile I was receiving phone calls from my current loan company XXXX XXXX XXXX XXXX and I informed them about my refi. 

Meanwhile I had to dip into the two months payments for my small business and car repairs. The last week of XX/XX/2019 I was contacted by phone that I was DENIED! Due to a SEASONING REQUIREMENT? I was mad as a hornet and immediately contacted XXXX XXXX XXXX XXXX to apply for the IRRL and told the loan officer my situation. 

We also tried a HELOC on my second home which has XXXX in equity but I was denied because of the missing payments. 

Now Im even further behind because of this mess and facing a Foreclosure Aauction on the XXXX of XXXX even though I have already submitted documentation to XXXX LOSS MITIGATION and the VA HOME GUARANTEE SPECIALIST in MINNESOTA! 

I have received letters and knocks on my door to include people talking to my neighbors about my pending foreclosure. If this home is foreclosed on because XXXX FAILED TO PROPERLY REVIEW my information I will sue them!
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have been trying to withdraw my money from this account and then close it. 
I am no longer in the XXXX & do not have a XXXX address I do not have a XXXX mobile phone I am currently in XXXX I have been able to transfer my monies from Bank of America to my XXXXXXXX XXXX account with the exception of XXXX. 
BoA 's systems will not allow me to transfer the final XXXX to my XXXX XXXX account. 
BoA has offered to send me a cashier 's cheque for XXXX. However, no XXXX financial institution will accept a cheque in any currency other than XXXX dollars. For all intents and purposes a cheque is USD denominations is worthless. 
Furthermore BoA is charging me {$12.00} per month in maintenance fees and they have refused to refund the fees. BoA have not provided a solution for me to have access to my money and then to close my BoA account. For all intents and purposes BoA is keeping my final XXXX and do not have any solution in giving me access to my money. I feel that this is theft of my XXXX. Please help
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MA)

My credit line was decreased without warning on XX/XX/XXXX. First, I reached out to the company via chat on XX/XX/XXXX about requesting my limit be reinstated ( as you can imagine the decrease affecting my XXXXredit score ). They told me to call a specialist. I did. The specialist told me to mail a letter. I mailed a letter on XX/XX/XXXX via certified mail from USPS. I did not receive a reply so I messaged again today on XX/XX/XXXX. Once again, I was informed to speak to a specialist. On a recorded line for 36 minutes. This specialist first told me that they can not access the credit limit decrease letter as the letter is confidential. I was confused as Citi was the one who sent the letter yet the credit specialist could not access it. Then the specialist told me to reach out to XXXX, but the letter clearly stated, Even though the reporting agency provided the information, it had no part in our decision and will not be able to provide specific reasons why we reduced your revolving credit limit. I became frustrated because I could not comprehend how you can not assist me with an explanation when it was sent from Citi. He then began to say that the reason my limit was decreased was due to late payments and to again contact XXXX. He stated there was nothing he could do to get my limit reinstated when the last specialist clearly told me to write a letter- all of this on recorded lines of course. I just checked my XXXX credit report- all of my payments since XXXX are on time for this account! It is clear that Citi would not properly explain the reason for the decrease and shifting responsibility to the credit bureau when nothing was in fact reported by them to have Citi make such a large claim.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (GA)

I am in XXXX XXXX Bankruptcy, filed XXXX XXXX, XXXX. I tried desperately to avoid Bankruptcy but Citifinancial refused to work with me and continued to inaccurately post my payments, etc. I could not refinance because no matter how much I paid, the balance would not go down, so I did not have enough equity to refinance. So, I had to file in order to keep them from foreclosing. I communicated with CFPB several years in an attempt halt their abusive tactics and practice, to no avail. Please reference the following complaints and responses : XXXX ; XXXX ; XXXX. Their responses were riddled with a lot of untruths, which I did rebut. But the ultimate solution was never received. This brings me to my new complaint. I know that I am not supposed to communicate with them directly, so I am using this venue in order to get their spin on the situation. Just curious to know how far these people will go in using their deceptive tactics to cheat the consumers. 
Citifinancial sent me a letter dated XXXX/XXXX/XXXX, informing me that they had paid my property taxes in the amount of {$1100.00} on XXXX/XXXX/XXXX. They also asked me to contact them to discuss payment. Strangely, the letter was unsigned, but the phone number is a working Citifinancial number because I tried it yesterday. There are several problems with this letter : 1. The bill has not been paid. The taxes are included in my chapter XXXX payment plan. It is now XXXX XXXX and the property taxes still have not been paid. 
2. Citifinancial broke Bankruptcy law by contacting me after my filing date. 
3. Citifinancial suspiciously, neglected to sign the letter. 

I submit that Citifinancial wrote this unsigned letter in an attempt to harass and intimidate me into making payments to them, on a none existent debt ( they lied about paying it ), and they wanted me to make the payments outside of my chapter XXXX plan. Again, they 're using underhanded tactics by not signing the letter so that they can deny sending the letter. 
Could you please help me stop these people harassing me through their abusive tactics used in servicing this predatory. I do n't feel safe from Citifinancial under the protection of my chapter XXXX, even though thy are being paid through the plan. They are bold and corrupt because they continue to fabricate stories and avoid the strong arm of the law with their deceit.
Consumer complaint received 2022-02-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I purchased Ethereum on XX/XX/XXXX from Coinbase. There was an incentive to convert the Ethereum into Ethereum2 with the promise of a good return on the investment before the year ends. Since it was already the end of XXXX the end of the year was very close I thought why not. I put all my Ethereum into the Ethereum2, it was XXXX $ at the time. Towards the end of XXXX the value of my Ethereum2 had gone down to XXXX XXXX And Im not rich and I wanted my money out because the return was not happening. The initial advert said the Ethereum2 can NOT be transacted until it is transferred back into the original Ethereum. I went to my Ethereum2 wallet on Coinbase and it said my funds were locked and could not be transferred or accessed in anyway BUT will be available shortly. Ok I figured shortly doesnt mean never. So I contacted Coinbase about getting funds out in the end of XX/XX/XXXX and I got a reply saying the funds will be usable before the end of the year. Coinbase kept changing its terms for the Eth2 investment. Well it is now the year XXXX and we are almost in XXXX. The funds are still unavailable. It feels like I got robbed or swindled. Like this is what investment scams do they take your money with promise of big returns and then they keep changing the return on investment date. In this case I have watched the value of my XXXX $ go down to XXXX $ with no way to get out. I have contacted Coinbase multiple times and they will not give me my money back nor do they have a time when i can get it back. Its very frustrating. I would not have agreed to this kind of investment if it was made clear that the money would not be made available indefinitely.
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MI)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I received a letter from XXXX XXXX XXXX XXXX regarding a client they obtained XXXX XXXX XXXX XXXX they said that I owed {$5900.00}. I reached out to them trying to dispute the death I asked them to verify the debt they then proceeded to send me a unsigned lease with my name on it. I reached out to them asking them to remove it I also provided proof that I never signed the lease they never responded to me they also have not provided any more information regarding the lease that needs to be signed I do not under
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I attached a identity report, I did not authorize these 5 inquiries. I am requesting my written instruction and my wet signature giving these companies permission to pull my consumer file. I also have a right to privacy. The following inquiries : 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
Consumer complaint received 2017-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

My ( now ex- ) wife and I separated in the summer of XXXX. I had hopes that we would get back together, and made improvements on the house and one of the vehicles we owned together. As a result, I incurred debt and fell behind on the payments with OCWEN Loan Servicing. After a point, OCWEN refused to accept any payments unless it was for the full amount past due. I contacted OCWEN several times for assistance in applying for modification or refinancing. Although a dedicated " relationship manager '' was assigned to the mortgage, each time I contacted OCWEN, I ended up speaking with a different person, and was given different information -ranging from being told my application was incomplete or that my ex-wife needed to sign a quit claim deed. It was not until this summer ( 3 years later ) that my modification was processed and approved, after I indicated that I reported OCWEN to this agency. However, the terms of the modification while offering a slight reduction in monthly payments ( approximately {$160.00} ) would financially tie my ex-wife and together for 40 more years. Additionally, the overall loan amount would increase several hundred thousand dollars. When asked if I could just resume payments under the original terms, I was told that I would have to pay the past amount due -over {$18000.00} ( an amount due in part to the accumulated effect of OCWEN not accepting any payment until previous past due amounts could be paid ). While I am now starting to be on better financial footing, I am stuck in a catch 22 position.
Consumer complaint received 2022-04-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICAN EXPRESS COMPANY (GA)

According to my credit report the account was opened XXXX and had a total balance of XXXX. The current balance according to what AMEX is reporting on my credit report is {$1500.00} as an unsecured Loan, Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These above dates and numbers are what are currently being report on my credit report per XXXX, XXXX, and XXXX verbatim The many times that i've spoken to both customer service department, the credit bureau division, the collections division and management for 4 consecutive weeks they have all advised that each department No longer has access to this account. Each branch is suggesting that they once had possession of this account and has since been transferred several months ago to another division to have it serviced. 

I have had several managers document this frustrating matter under my social security # and suggest it will be escalated to the property department. 

Each department claims they no longer are serving this account. IF i need to include the account number let me know?
Consumer complaint received 2019-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom it may concern : On Tuesday XX/XX/XXXX, I appeared in court on this matter and it has been set for trial for XX/XX/XXXX. This is almost a year from now and I do believe I have given XXXX   XXXX  plenty of time to provide me with the information I have requested to validate this debt they claim I owe. Not to mention if there intent was to ask for a continuance on this matter which would have only lengthened this issue even further. Since this matter has been set for trial, and they have yet to provide me with any other than billing statements, I should no longer have to carry the burden of this damaging information on my credit report. Unless they can show proof or provide me with anything else this should be removed immediately by the collector and if they fail to do so then the reporting agency should be notified and have action taken against them as well, I hope we can begin this process immediately.
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I spoke with an agent named XXXX XXXX, in the Fraud Department Special Handling for Transunion Information Services, regarding the account with XXXX  XXXX account # XXXX. XXXX XXXX stated to me that the account was disputed on XXXX XXXX, and Transunion Information Services came back and verified the account on XXXX XXXX. XXXX XXXX also stated that the account has an FTC Statement that was attached to it. The account remains on my credit profile, which is a violation of my consumer rights. TransUnion has violated my rights according to the FCRA 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.