davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Grow Credit Inc (PA)

Grow Credit , Inc. has violated numerous consumer privacy rights, causing damage of reputation in the business community, and actual damage denied extensions of credit from multiple lending institutions. Dodd frank act, graham leach biley act, family act, facta act, 1974 privacy act, whereas giving no rise to a cause of action, all are instrumental in emphasizing, consumers right to privacy in their personal business transactions. Violations of the fcra, including but not limited to 15 UScode1681 ( 3 ), agencies have no authority, in law, and have a assumed a position of authority, in consumers personal affairs. 15 usc 1681 ( 2 ) ( A ), 15 US code 1681b ( a ) ( 2 ),, agencies can not furnish an account without my written instructions. 15 us code 1681n, civil liability for willful non-compliance, 15 us code 6802 Lender actions have led to defamation of character, violation of due process laws/trespass, emotional distress, and discriminatory denial of credit in violation, of the Equal opportunities credit act. Any and all reporting without my verification/validation, is thus hearsay, reporting of such tradelines, as if accurate, with no such evidence of, major violation of this states False claims act. Reporting/furnishing to agency of no authority, and without my written consent is thus ulta-vires, criminal, RICO crimes, / aggravated identity theft, seeking unjust enrichment. I have attempted to remedy, said violations, written and verbal, no relief granted.
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (PA)

XX/XX/2024 Around midnight, after I've been caught up, Specialized Loan Servicing LLC withdrew {$570.00} from my bank account. When I realized what they did ( around XXXX XXXX  ) I called and requested they cancel that withdraw. They did, but it was still pending on my bank 's end. I called my bank and all they ask for is that SLS submit/fax a letter on letterhead confirming the cancellation. I faxed to SLS ( I'm on XXXX raising my nephew, every dime counts! ) what my bank needs. Suddenly there is a problem. They are stating they need a letter, sent, and it will take thirty ( 30 ) days! They withdrew money that shouldn't have been withdrawn! They cancelled it that day. Why the hold up? Why not work with me? Why a whole month? I have faxed, called, been on hold for hours, webmail, SLS.net website, why be unreasonable with MY money?
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

To whom it may concern, I am writing you in regards to my checking, savings, and cds accounts Ive had with TD bank with over {$8000.00} dollars in funds. Unfortunately, I was and continue to deal with being a victim of identity theft, hacking, fraud, spoofing, and phishing. Ive had to contact the 3 credit bureaus in order to stop them for furthering deteriorating my credit score as a result of all these issues. Ive gone personally into a local branch, to be more specific. it was the TD North XXXX XXXX in New Jersey. Ive met with XXXX XXXX XXXX, and although she was able to assist me with this issue and froze my accounts to prevent further damage and a continuation of accessing my funds through their online or debit card atm withdrawals or XXXX  transactions. They even contacted the branch pretending they were me in order to access the full credit I was given in the beginning of my claim and XXXX XXXX forwarded that information to the Fraud Department. It is very upsetting that she had informed me from the very beginning that she would keep me in the loop with any updates on my claim and accounts. As a result of my childs custody war, I depended on her to reach out to give me an update on my ccount and when will my funds be back in my accounts again. She did not inform me that there was a credit issue or that the people committing the fraud had overdrafted my accounts with over {$1000.00} dollars by changing the status of my accounts overdraft fees agreement between myself and TD bank. It was thanks to XXXX which I also bank with that I became aware that someone was accessing my accounts through a different phone number and phone. Ive spoken to Managers in Fraud and Recovery and they keep continue to give me the run around and blaming each department for the responsability of my bank accounts and as a result of this issue my accounts were sent to recovery without notifying me that once this issue was sent to that department, I would be unable to resubmit my claim unless I bring my accounts back to positive even though I wasnt the one who put them in that state to begin with. Ive tried to escalate this to a higher level in the bank and I keep getting empty promises from the main branch in XXXX that they are going to look into it.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

On XX/XX/XXXX one of my checking accounts with USAA Bank ( XXXX XXXX, TX ) was closed without my knowledge or permission due to me filing for XXXX  XXXX Bankruptcy. I had an amount of {$2300.00} in the checking account that was closed. Instead of the money being transferred into one of the 2 other active checking accounts that they didnt close they told me a check would be issued that would be mailed through XXXX without signature confirmation. I asked for information regarding the tracking number the two times it was allegedly sent out and was told I could not be provided this information. When the check was first shipped out, it was declared undeliverable and the check was destroyed. I was not notified of this, I had to call after waiting for XXXX weeks and not receiving the check to get this information. The second time it was issued, it was issued for the wrong amount and never shipped out. Now I am going on the 3rd time for it to be processed and apparently a document now has to be signed for me to receive a new check. I was not made aware of this. I call at least a dozen times to get a tracking number and ensure that the check is being sent out over the course of XXXX weeks to just be told call back on this day with no resolution to my problem and no mention of said document until today. There is no set turn around time for when this document will be processed so that a check can be processed and then sent out to me. I have no savings and this has greatly affected my quality of life as I am now a month behind on my mortgage payments while active in a XXXX  XXXX bankruptcy, which prohibits me from being late on my mortgage. So not only are they affecting my quality of life and withholding money from me. They are now interfering with my active bankruptcy case by withholding my funds from me which prevents me from paying my mortgage on time, which is illegal and I can seek legal action beyond this because of that. I need this money recovered asap so I can get back on track with my mortgage payments and simply because it belongs to me and XXXX XXXX is making it extremely difficult for me to recover my funds they took from me. This is unprofessional and violation to me as a consumer and an unfair business practice.
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (NC)

I'm unable to contact Ocwen about the 2nd lien on my property which was modified by Option One Mortgage Corporation, XXXX XXXX XXXX XXXX, XXXX, California XXXX on XX/XX/year>XXXX  in the amount of {$17000.00}.
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (GA)

I have a collection debt from Jefferson Capital with a balance of {$1000.00} which I know nothing about case I havent done any business with them. I dont know when this account was opened but I was in XXXX XXXX  from XXXX XXXX until XXXX XXXX. Someone has stole my identity so Im trying my best to protect my information cause these actions have affected me negatively.
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

On XX/XX/XXXX a foreclosure complaint was filed against me. On XX/XX/XXXX, I filed a counterclaim against the Plaintiff. On XX/XX/XXXX, I submitted a request for a loan modification request to Ocwen, the current servicer for my loan. On XX/XX/XXXX, Ocwen acknowledged it received my request and on XX/XX/XXXX, Ocwen asked for some additional documents. There were a few more requests, and on XX/XX/XXXX I was approved for a modification. On XX/XX/XXXX, the lawyer for Ocwen sent me a letter discussing a settlement agreement would be drafted if I liked the modification. XXXX XXXX, Ocwen 's lawyer then told me that I had to dismiss my counterclaim with prejudice in order to get the modification. I then filed a motion to dismiss my counterclaim which was granted. However, Ocwen 's lawyer refused to dismiss the foreclosure complaint and said they were going to proceed with litigation and the case was continued to XX/XX/XXXX. On XX/XX/XXXX, I did receive my final signed loan modification, but the foreclosure complaint is still pending. I read in the CFPB settlement that a bank can not make me dismiss my counterclaim as a result of a modification. I had to go through underwriting, and I was eligible for a medication. I dismissed my counterclaim for fear I would lose the home my mother built.
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

A request for a short sale was submitted prior to the seven days needed for to be reviewed before a trustee sale date. The short sale requests was rejected due to insufficient time, even though I have evidence it was in prior to the seven day that 's required. I also informed Ocwen there e-mails and faxes were getting kicked back,
Consumer complaint received 2016-03-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I recently refinanced the loan on a property that I own as joint tenants with my wife. 
I did qualify for the loan and obtained it on my name. My name is the only name on the NOTE. 
My complaint is regarding the instructions that the Lender gave the the escrow company as to record a Deed of Trust that indicates that my wife is also the borrower on the loan. The text of the Deed of Trust now reads : " Borrower is AT ( my name ) and ST ( my wife ) husband and wife as joint tenants '' and it was recorded on XXXX XXXX, 2016. This is obviously a mistake and has to be corrected. 
I requested the lender and the escrow company to change it to refer only AT as the borrower, but they refused to do so. 
Also, they wrongly put my mailing address in XXXX when my address is in XXXX XXXX as stated in the loan application. They also refused to correct the mailing address.
Consumer complaint received 2020-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TN)

My entire account and the funds are frozen and the debit card attached to account has been closed. I over the course of the night if XX/XX/2020 a deposit from Texas XXXX XXXX was received and successful in applying to account balance the. the action against the account was immediately taken based on the account receiving funds from Tennessee prior to this date. I provided the specific account services team with a copy of eligibility questions from each state, deposit correspondence from each state, my ID, and other correspondence on the date of freeze. I have been unable and told that this team only communicate by email. Issue has not been resolved.
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

I started disputing inaccurate information by sending letters to the credit bureaus ( XXXX, XXXX, and XXXX ) and discovered an old account XXXX XXXX XXXX XXXX XXXX ) which was opened on XX/XX/XXXX close to 30 years ago ( with my ex-military spouse and somehow now it's showing up as my debt ) along with some others reporting negatively against me on XX/XX/XXXX, and again over 30 days later XX/XX/XXXX and the account until this day is not verified and the information is inaccurate and conflicting. The account Is charged off and showing both closed and open at the same time and the balances are all different ( {$10000.00}, and {$10000.00} ) Upon disputing this particular account, I started receiving phone calls from a third-party vendor ( Transworld Systems , INC or TSI ) who stated I needed to set up a payment plan or hardship with them with no proof at the time and then also started getting letters from the Social Security Administration who started garnishing 15 % of my check for the same amount that Transworld is demanding as well for {$230.00} on XX/XX/XXXX and the original amount was XXXX for this same account that TSI was calling me about. I feel like my rights were violated by failing to provide validation within the allotted time frame ( Pursuant Regulation F, 12 CFR 1006.34 ( c ), 15 USC 1692g ( b ) from the date I sent the first letter. My rights have also been violated under 15 USC 1666b and 15 USC 1637 ( b ), 15 USC 1681s-2, and 15 USC 1681 s-2 ( a ) ( 1 ) ( A ).
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

Equifax and XXXX and XXXX have a XXXX XXXX account for XXXX not mine a XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX inquires on my reports that are not mine please remove from credit reports
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (AL)

Class action lawsuit A federal court order compelling arbitration in a lawsuit against Midland Credit Management and law firm XXXX XXXX XXXX over allegedly unlawful debt collection practices stands, after the U.S. Court of Appeals for the First Circuit concluded Wednesday that debt buyer Midland Funding holds all the same rights that XXXX held under its Cardmember Agreement with the plaintiff-debtor.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Hello CFPB Im Making My Complaint Today Against PORTFOLIO RECOVERY ASSOCIATES , LLC They Are Reporting False Information To My Credit Reporting Saying I Owe An Alleged Debt Which They Are Breaking The Law Because I Just Found Out This Company Is Not Licensed & Bonded In The State Of Georgia To Collect From Me. 

Contacted Debt Collector Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Signature They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading False Accounts.

Under 15 U.S. Code 1692d- Harassment and Abuse I Have Been Harassed and Have XXXX  This Account Is In Violation. Under 15 U.S.C. 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence.

Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you PORTFOLIO RECOVERY ASSOCIATES , LLC that I refuse to pay the alleged debt you are claiming I owe on Account Number XXXX XXXXXXXX, and I DEMAND you cease & desist all further communication in compliance with this law ; Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information ;
Consumer complaint received 2021-11-02
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)

Received multiple credit inquiries on my account that were not made by me. Here is the list below. Ive put a freeze on both my XXXX and XXXX credit reports as of right now. 

XXXX XXXX XXXX XX/XX/202XXXX 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 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

My husband passed away in XXXX of 2013. A couple months before he passed away, during XXXX, I had to file bankruptcy as we 'd lost his income for over a year. Prior to the bankruptcy, we had never missed any payments and our credit was outstanding. OCWEN Mortgage carried our home loan. After my husband passed away, I received proceeds from XXXX insurance policies. I tried for months and months and months to talk with someone at OCWEN to look at various options to reduce my payment so I could stay in the home. It was literally a merry-go-round. Then I received a letter introducing my new customer care person who was dedicated to personally assisting me in finding ways to work together. They would have me set an appointment when THEY called me. I was running a XXXX a month negative which I was pulling from life insurance proceeds. I offered OCWEN {$150000.00} ( my loan amount was {$320000.00} ) to restructure or refinance my loan to reduce the payment so I could afford to stay in the house. Because it was in bankruptcy status, they said they could not refinance or do anything to help or work with me. I sold my home and moved on with my life. I have never in my life talked to so many people within one company and received such a runaround. I later learned from an attorney, one of my XXXX, OCWEN was being sued in a class-action suit by a group of realtors. I was SO HAPPY and hoped those people got every penny from OCWEN. They were horrible to work with. He told me about the Consumer Financial Protection Bureau. Also after I just finished an article in Consumer Reports, I decided to try and get this out to the public so others hopefully will never have to go through what I went through. Be aware there are home mortgages loans offered under other names that actually are OCWEN. PLEASE be aware.
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (PA)

I am writing to file a complaint against Midland Credit Management for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have encountered several issues with their conduct that have adversely affected my consumer rights.

Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is obligated to provide validation information upon request. Despite my request, they have failed to furnish any validation information, yet they proceeded to report the debt to consumer reporting agencies.

Denial of Dispute Opportunity : As per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute the accuracy of a debt. Unfortunately, Midland Credit Management has denied me the opportunity to dispute the account, violating my rights under the aforementioned regulation.

Use of False, Misleading, and Deceptive Means : The collection agency has engaged in false, misleading, and deceptive practices. Such conduct is in direct violation of consumer rights, and I request a thorough investigation into these practices to prevent further harm to consumers.

Furnishing Information Without Disclosures : The collection agency has furnished the debt to consumer reporting agencies without providing the necessary disclosures required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 [ 7 ) ( A ).

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these matters and takes appropriate actions to rectify the violations committed by Midland Credit Management. I am seeking redress and a resolution that upholds my rights as a consumer.

Enclosed with this letter, please find documentation supporting my claims, including proof of my request for validation information and any communication with Midland Credit Management. I believe a prompt investigation will reveal the extent of their non-compliance with federal regulations.

Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your efforts in protecting consumer rights.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (IL)

I sent LexisNexis certified mail on XX/XX/2024 to dispute a bankruptcy showing on my consumer file. I included proof from PACER and the United States Bankruptcy Court stating that they do not report to credit reporting agencies but LexisNexis is showing that's where they received their information. This information is unverifiable and should be removed immediately. The tracking number for this is XXXX XXXX XXXX XXXX XXXX XXXX - it shows that LexisNexis picked my letter up on XX/XX/2024. Today, on XX/XX/2024, I called LexisNexis Consumer Center. The representative, named " XXXX, '' advised that it's still showing on my file and there's no indication it was ever investigated. The representative states that he's able to do a dispute on his end and will expedite it. This has left me completely frustrated that I have spent money to ensure LexisNexis received my dispute, and it was completely mishandled and neglected- now I have to wait another 30 days for this dispute to be resolved when it should have been corrected the first time. Please see attached for the proof of letter sent via certified mail.
Consumer complaint received 2024-02-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (IN)

XXXX XXXX XXXX, I was paying them the amount to settle my account. I even have a letter they sent of the payments I was making to get it settled. For some reason, after I paid the amounts they wanted me to pay they never sent letter saying it was paid in full. Instead they sent to another XXXX XXXX agency. I even talked to company rep and he said a letter saying it was paid in full was enroute in the next XXXX business days. I never heard from the company again. Im still waiting on a letter. 

XXXX XXXX