davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

The loan was originally a XXXX loan which was taken over by XXXX XXXX XXXX. I got a loan mod from XXXX XXXX XXXX in XXXX and made every payment according to the loan mod document. In XXXX of XXXX Nationstar took over the servicing of the loan. They told me I did not have a loan XXXX and that I was behind in payments by 11 months. I had all of the cancelled checks that XXXX XXXX XXXX had cashed so I did not understand how that could be. The loan mod was also recorded at the County Recorder 's Office so I knew that I had a loan mod and I had been paying the payments according to what the loan mod said. 
Nationstar began sending my payments back to me and would not accept them so that they could put me into foreclosure and try to take my house. 

I tried to apply for another loan mod to get out of foreclosure but they kept losing the documents and would not give me one. I requested their accounting records but the records they sent were illegible and what was legible was incorrect. They refused to correct their accounting and kept refusing my monthly payments. Attorneys tried to deal with them to no avail and then they said I had to sue them. They kept getting out of the lawsuits on technicalities. One time we went to mediation and their attorneys said that if I dropped the lawsuit they would make sure that Nationstar did not lose my documents so I agreed to that and I applied for a loan mod again. I submitted all of the documents they asked for. While they were supposedly reviewing the documents they put me into foreclosure again. They were not supposed to be able to do that. 

The CFPB and AGs sued them for the same things that I sued them for and they settled with them. Nationstar is continuing to do the same things for which they were sued. I have filed complaints with the CFPB and the last time I did Nationstar said they needed more time to respond and in a letter dated XX/XX/XXXX ( see attached ) they said they would respond by XX/XX/XXXX but they still have not responded and it is the middle of XXXX. In their letter it said I could contact my Dedicated Loan Specialist but when I did that I was told that they could not talk to me. They told the CFPB that they were going to respond to me and not to the CFPB but they never did that. They just lie and continue to breach the settlement order that was posted on the CFPB web site. Is anyone going to enforce the settlement?
Consumer complaint received 2024-05-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Momnt Technologies, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX I purchased a one day shower install for {$14000.00}. with a choice of free 7 day cruise, or resort stay written on my contract. Momnt is the finance company, offering a deferred payment for 2 years. In XX/XX/XXXX for my birthday I made a decision to go with the resort stay because I travel to The XXXX. When I tried to contact the XXXX vendors I got no reply via ALL emails and ALL telephone numbers XXXX XXXX XXXX  XXXX is now disconnected. XXXX XXXX, will tell you they are the manufacturers of the materials for installation & has nothing to do with it. All the information I had about every single person in the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX is now invalid! I made friends with the young man who was employed as a XXXX, so I called him. I was told the company XXXX XXXX XXXX XXXX is no longer in business and also has never paid him for his labor. I checked The XXXX XXXX XXXX website, I saw several complaints about the same companies including the same complaints as my story. I checked the secretary of state website, I saw that owner XXXX XXXX created XXXX XXXX XXXX  of XXXX accounts both now terminated? Control # XXXX & XXXX. Then there is the other company XXXX XXXX XXXX XX/XX/XXXX which is still current & active. On XXXX of the XXXX  complaints I saw a reply email from XXXX XXXX where he provided his personal cell, I dialed his number and he answered, saying he would call the corporate office to see if there can be a resolution. He never replied no one contacted me, I made a follow up call to him, phone number now disconnected. 

This is when I contacted the finance company moment via email to request a copy of the check made payable to whom, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so that I may start a suit? They refused, told me to contact the vendor. My deferred payment plan ended XX/XX/XXXX I am waiting to be contacted by Momnt for payment, & end up in collections. I also requested to have my balance reduced minus the expense of the resort stay, but they refused, telling me it has nothing to do with them? 

So far this sounds like a civil matter right? NoT! The tale above is a XXXX, nicely tight system they have going and duping a lot of people out of a lot of money, I will not stop writing XXXX until there is a resolution, this is a crime. Now the same XXXX XXXX of XXXX website has the same business back up, same address, a new phone number, new staff. So you know I clicked & said I am interested in a new shower install right? Someone called me back stating they have the same website but they are a different company? DEAD END, COMPLETE CIRCLE! HELP? 
You can reach out to everyone, create a class action suit or something. I also complained to my XXXX Attorney General 's office, case # XXXX
Consumer complaint received 2022-05-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NY)

I made an attempt to make a 2nd money transfer today, but the teller at Western Union told me that she could not allow me to send more money because on XX/XX/22 I made a wire transfer to my mother XXXX XXXX XXXX $ XXXX tracking # : XXXX. She told me that people don't usually have that kind of money to be sending over $ XXXX in such a short peiod of time. Who is she to question me if I work XXXX Who is she to ask me for proof of how I make money or my source of income when I felt discriminated because I do not speak english and I was dressed in my XXXX XXXX  clothes. I felt discriminated due to my race and/or nationality.
Consumer complaint received 2022-05-12
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Used XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax has violated my rights. 

15 U.S. Code 1681 section 602 a. clearly states that I have the right to privacy.

15 U.S. Code 1681 section 604 a. ( section 2 ) clearly states a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2022-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION (LA)

I filed a complaint about not being able to set up autopay through the online banking. I decided to cut my losses and just do one time payments. I logged into my online banking on XX/XX/2022, two days before my due date, to do a one time payment of {$50.00} which was more than the minimum of {$25.00}. I went through the process to completion and for some reason the payment did not take. My correct routing and account number are in my OLB because Regions ' system picks up that it's an XXXX checking acct. I want all of my late fees waved and for Regions to investigate why I can not pay my credit card through my OLB which is their preferred method and my preferred method. If this method does not work or it is broken, fix it or do not offer it. 

I have all of my other credit card on autopay and haven't missed a payment with any of my credit cards in years except Regions. Regions is and has always been the one that is most difficult to pay and it seems for no good reason. 

Please check my log in records on my OLB. I logged in the morning of XX/XX/2022. Why would I log in just to not pay my bill?
Consumer complaint received 2022-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (PA)

Please be advise i have debt on my credit report which couple time i complain to XXXX XXXX and told them was in XXXXXXXX XXXX XXXX XXXX  THERE sent me letter that this was settle. The promblem is continal backs alot of crdit cards. But the collection co TRIDENT ASSET MGR I send the letters and phone calls, AND if you go on there web site you see that alot people has the same problem. and call them you only get a voice mail and no get back to you. Plus i never got a collecton letter from them. 

thank you XXXX XXXX XXXX
Consumer complaint received 2019-11-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (IL)

My husband and I decided to try apply for a mortgage. We had our credit history and we saw that a bill went to collection. 
I had only one bill ever go to collection, and I had to call the collection company and request for a letter of resolution. 
I sent this over to the mortgage facilitator but they insisted that I had another bill with another collection company, and told me to call " XXXX '' on XXXX. He works with Receivables Management Partners. 
On XX/XX/XXXX, I called XXXX requesting to know the origin of the bill, and why I had never received any written notice ever before. He insisted I did but I ignored the notice. I then asked if the bill information and statement be sent to me in writing again because I never received any information before, and he expressly said NO. He insisted the bill was from " XXXX XXXX XXXX '' On both occasion XXXX attempted to persuade us to make payments over the phone and expressly REFUSED to send any more information. 
On XX/XX/XXXX, I called XXXX XXXX XXXX, and they said I had settled all the bill I owe them. They are willing to send me a XXXX statement balance. 
My husband called XXXX again, He insist the bill " Might '' be from the health insurance company I used for my XXXX. This health insurance company has since gone out of business. He also will not provide a written statement upon my husband 's request.
Consumer complaint received 2017-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (FL)

On or about XXXX XXXX I spoke to a representative at Midland Mortgage and explained that I was experiencing extreme financial difficulty due to a family crisis and would like help with my mortgage payments to avoid late fees and negative credit reporting ( if  applicable ). The representative did a financial intake of my current expenses and offered an alternative payment plan where I would pay 1/2 of my XXXX payment and add the balance of the XXXX payment to the XXXX and XXXX payments. I received written confirmation from Midland on XXXX XXXX. The letter stated that on XXXX {$780.00} was due ; XXXX {$1900.00} was due ; and on XXXX XXXX$1900.00} was due. I called on XXXX to pay the agreed upon {$780.00} as agreed. The Midland Mortgage representative and supervisor stated that the agreement was " entered wrong into the system and the system had cancelled the agreement. Therefore the entire mortgage payment was due AND late fees are accrued on the account. '' I payed the entire mortgage payment. However, my concern and complaint lie in the fact that Midland Mortgage clearly did not hold up their end of the agreement, did not attempt to eliminate the late fees and seem to be engaged in practices not conducive to customer satisfaction. At the very least, the late fees should be eliminated. I contacted the mortgage company prior to the payment becoming late and sought assistance from them in advance as the company states on its website and on their recorded phone line. My experience determines that Midland makes false promises and engages in practices that involve unfair practices. We made a verbal agreement and I received written confirmation of our verbal agreement. Midland Mortgage should not be allowed to retract or renege on the agreement.
Please help me to eliminate the accrued late fees and investigate Midland Mortgages customer support practices. I will forward the letter to you as verification of my complaint.
Consumer complaint received 2022-10-27
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. (TX)

Delete late payments from XXXX XXXX XXXX XX/XX/XXXX through XX/XX/XXXX. Your company is in clear violation of the law under 15 USC 1681b - Permissible purpose of consumer reports the law Clearly states. b ) in General subjects to subsection c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) in accordance with the written instruction of the consumer whom it relates. Did I give you written instructions on my credit report? A ) Subject to section 1681s-3 of this title and ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. Failure to respond satisfactorily with deletion of the above referenced account and send out a deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actins being taken against your company for which I will be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of identity fraud 3. Fair debt collection practices act 15 USC1692g violations 4. Fair reporting act 15USC 1681 violations for willful noncompliance -616 Civil liability for willful noncompliance 15USC 1681n Best Regards, XXXX XXXX
Consumer complaint received 2022-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, the payment history is inaccurate, and date last reported is not accurate, there are so many errors on my credit report & they also violated my rights under 15 U.S.C. 1681 602 A. State I have the right to privacy.

15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have attached my credit report with all the inaccurate errors thats currently being report by all three ( 3 ) credit bureaus as proof.

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 2022-05-12
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)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, the payment history is inaccurate, and date last reported is not accurate, there are so many errors on my credit report & they also violated my rights under 15 U.S.C. 1681 602 A. State I have the right to privacy. 

15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have attached my credit report with all the inaccurate errors thats currently being report by all three ( 3 ) credit bureaus as proof.

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 2022-05-12
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AR Resources, Inc. (FL)

I asked the company AR Resources Inc. to validate a debt they were trying to collect and they sent me personal information that they should not have, They gave me a form showing the hospital name and location, services provided, the XXXX name, account number, as well as date of service and amount charged for service. I filed a complaint with U.S. Department for health and human services as well.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc. (MI)

I paid XXXX for the company self financial to have my account I closed the account XX/XX/XXXX and they were suppose to deposit my money in 10 business days and they have yet to do it and then when I called they keep saying they are holding it and refuse to give a date and tried to say it was fraud so I sent them my drivers license, ss card, business bank statement, business license with my name and business name on it a photo of the card used a photo of myself and they are still refusing to release my money. I have asked several times and they will not give a date or anything and I personally closed the account
Consumer complaint received 2017-08-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Empowerment Ventures, LLC (MO)

Hello, Yesterday ( XXXX ) afternoon, around XXXX cst, I attempted to transfer money from my " XXXX XXXX '' to my main account. I have since tried multiple times without gaining access to my funds. XXXX XXXX allows me to budget during each week. The money is still in my account & visible but I can not spend it until I transfer it back to the primary account. I have continuously received an error stating the feature is not currently available via app & their website. I have contacted them by phone, unable to get to a live person, by email which advised me that service was also down after I pushed send & through their XXXX customer service & received an auto reply. All without getting an answer. There, on XXXX, I saw others were having the same issue, some had not received their direct deposits as of last night. I just need access to the last of my funds, {$50.00} before I end my relationship with this company. Thank you
Consumer complaint received 2017-08-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

We applied for the home equity loan in early XX/XX/XXXX. XXXX XXXX  received all of the necessary documentation that he thought would expedite the loan process. The Appraisal came in at ( appox {$410000.00} ) a lot lees than what we felt our home value is. It was based on properties, with less sq footage and acreage. I called XXXX XXXX about the appraisal and he stated they could only use properties within 5 miles, that were sold in our area during the last 6 months. Not sure if this is accurate or just an excuse.
Attached is the email I sent to the Chase Mortgage team onXX/XX/XXXX. We did not get a response to my email. I sent another email to them onXX/XX/XXXX, since they had previously requested withdraw information from my 401K. Again no response.
Attached is the final email I sent to them regarding I our intent to not proceed with the home equity loan # XXXX. I followed up with a personal phone call to XXXX XXXX  and confirmed our intentions concerning the loan with him.
On XX/XX/XXXX we received a statement of credit denial, termination or change. We feel this statement could show up on our credit report and have a negative impact. The statement states ( we are unable to approve your application at this time, for the following reasons : 1 ) Value type place or condition of collateral insufficient or unacceptable. 2 ) MI is not available?
I called XXXX XXXX on XX/XX/XXXXabout the statement. Left a message on his answering machine and to date have not received a call back from him.
Consumer complaint received 2023-07-17
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: Mr. Cooper Group Inc. (IL)

mr cooper all im asking from is for you guys to show compassion to me everything im telling you is truth i made up amount due as soon as i found out what was going on i understand your stance as well im just asking you guys to show compassion in this case my credit file fell over XXXX points due to this if you guys show compassion i agree this will never happen again please see my plight thabks ive been a good customer made all my payments got it on autopay what else can i do
Consumer complaint received 2022-05-12
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: Experian Information Solutions Inc. (SC)

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the letter I sent out and the tracking numbers are listed in the added evidence According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.Im not sure if the bureaus XXXX XXXX or Experian have their own interpretation of the law but there are standard operating procedures used to verify information and it wasnt properly done because as you can see there are still many inconsistencies within my report see attached documents for highlighted items. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report Listed in the attached documentation lists violations and items that need to be deleted because they are reporting inaccurate across all three bureaus.