davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

My mortgage was originated with XXXX XXXX  in XX/XX/2019. 
I applied for and received forebearance due to Covid. To exit the forebearance, I was approved for repayment at the end of the mortgage term. During that process, my mortgage was sold and is now being serviced by Mr. Cooper. They are not honoring the agreement I received from XXXX even though I have multiple papers stating that nothing would change. The offer from Mr Cooper was to raise my mortgage payment by approximately 30 %.
Consumer complaint received 2017-09-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (VA)

I made a purchase on Victoria 's Secret credit card back between XXXX XXXX. I returned the item which should have taken the charge off of my account and brought the balance to {$0.00}. Instead I started receiving calls that I owe {$25.00}. I explained that I returned the item and stopped receiving calls for a while. Then I started receiving repeated calls and texts to my cell phone from condemnity bank several times a day, repeatedly. Finally my attorney sent a letter asking for the calls and texts to stop. They stopped for a little while but shortly started again. They call back to back from cell phone to house phone. They send several letter in a loud pink envelope saying I owe over {$100.00}. A large increase from the {$25.00} dollars that they wrongfully accused me of previously. 

I also received several different threatening voicemails. They often call from anonymous or unknown numbers. ( See attached )
Consumer complaint received 2017-08-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I called Wells Fargo in XX/XX/XXXX and was set up on a payment for the back mortgage payment. When I called in XX/XX/XXXX to make payment I was told the payment plan was deleted on X/X/2017. The customer rep told me her supervisor will review the call to see why the payment plan was deleted. On XXXX XXXX, 2017 I received a notice of intention to foreclose mortgage letter date for XX/XX/XXXX. I called WFM again and rep told me a supervisor will be getting back to me about the deleted payment plan. No one has called back about this issues.
Consumer complaint received 2017-09-29
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Harmon Law Offices, P.C. (MA)

I had filed bankruptcy to stop a foreclosure and filed in RI as it was closer than Ma and I had a XXXX XXXX and XXXX and could't get a ride to XXXX, the stay was not accepted due to many filings allegedly and after an emergency filing with the court and the court granting the stay the attorney XXXX XXXX of Harmon Law Offices PC refused to take the sale date down or remove the sale date, in edition a person who owns the home with me filed bankruptcy and he will not recognize his stay either. He said he is foreclosing and that is final! The judge scheduled a hearing on my emergency motion and he showed up after dropping paperwork off to my house the night before he claims he served me and he did n't my hearing was for my filing not his motion to be relived from the stay. He also asked the judge to make a decision on people living in my home without their being there to answer for themselves. He crossed the line and taking this personally.I want my stay recognized for what it 's worth as the judge stated he ca n't set a date until my appeal process is over and he XXXX states he will leave it and when appeal is over and I loose he will take my house. The is bad behavior on this attorney 's part and I am not taking this any longer.XXXX also states he delivered the paperwork to me before XXXX XXXX on X/XX/2017 and he is not telling the truth it was n't till almost XXXX XXXX that the paperwork was delivered. Also he put the foreclosure in my common law husbands name and he filed bankruptcy and owns the house and XXXX XXXX states he does n't have to recognize the stay. He is playing god with peoples lives and may even want the property as I ca n't understand why he is taking a person stance in my foreclosure. My house is nice and a lot of people want it but I built it and put down 250 K plus on my home the pick a payment loan just got to be too much. I was in the middle of a work out option I also stated the 2nd mortgage was paid in full and their is no 3rd mtg and XXXX stated to the judge that he know it to be fact that I do have a 2nd and a 3rd mortgage and why try to stop the foreclosure when I owe so much, but I worked very hard to pay off both the 2nd work out a payment plan on the 3rd and when the bankruptcy goes thru the balance to be wiped out and it 's not much XXXX XXXX. He painted a picture that was n't true. I am a single mom with XXXX boys and XXXX babies that live in my home along with an XXXX old man and I want to fight for what is right.
Consumer complaint received 2017-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (IL)

I recently pulled my credit report and noticed a collection from XXXX XXXX XXXX with acct # XXXX. I have no knowledge of this account. I disputed this account with all 3 credit bureaus. This account is still on XXXX and XXXX. I do n't know what else to do, but this account is not mine.
Consumer complaint received 2017-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Debt Holdings, LLC (TX)

On XX/XX/XXXX, I checked my credit file via XXXX XXXX and noticed a new collection account with XXXX XXXX XXXX, XXXX with XXXX XXXX in the amount of {$150.00}. I immediately contacted XXXX XXXX XXXX, XXXX regarding this debt. Speaking with a representative, I inquired about this debt only reported with XXXX ( XXXX 's recent breach caused major concern ). The representative stated that this debt opened in XX/XX/XXXX with XXXX XXXX and went delinquent in XX/XX/XXXX. I explained to the rep that I had n't had a XXXX XXXX account in many years and that I never initiated a loan with XXXX for an amount of {$150.00}. 

Furthermore, I explained to the rep that the recent breach with XXXX, led me to believe that this was a case of identity fraud or something of the like. I went on to explain that should I had owed XXXX, I would have received mail correspondence and phone calls regarding the matter ; I have never received a dunning letter involving this alleged debt, and that I have lived at the same address since XX/XX/XXXX. The rep stated I needed to file a police report, I explained that by law, both the FCRA and FDCPA requires both the credit bureaus and collection agencies to forward a dunning letter and the original contract information with signatures validating any debt owed BEFORE a file is placed in a consumers credit file. The rep explained that they do not send dunning letters until AFTER they have spoken with a debtor. My response was that they were in violation of the FCRA and the FDCPA as that is not what the law mandates.
Consumer complaint received 2017-11-21
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: Experian Information Solutions Inc. (TX)

XXXX has confirmed that my personal information was apart of the XXXX Breach. I notice that I have XXXX inquiries showing on my Experian credit report that I did n't authorize and they are the following : XXXX XXXX (XX/XX/XXXX ) and Onsite Manager ( XX/XX/XXXX ). I am requesting that these inquiries be removed as they were unauthorized.
Consumer complaint received 2017-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

X/XX/2017, {$20.00} I believe I should be able to request a credit freeze without cost, as I never asked experian, XXXX or any other company to collect and sell my financial data. I believe opting out of this service, reporting my financial data to creditors, a service I was enrolled in without consent, should not come at a cost. XXXX offers a free credit freeze so it is certainly possible. I have attempted to contact credit bureaus to express this belief without success Thank you
Consumer complaint received 2024-07-25
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 (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I contacted USSA credit card customer service on XXXX XXXX, 2017 about a filing a dispute on my card. The person i spoke with told me that he would file the dispute and asked me several questions about the complaint. I answered all his question and asked if i needed to submit anything since i had several merchant write letters where the previous merchant did not do the work correctly when they installed my floors. He said he did not need anything but if he did he would send me a letter. He even issued me a finance charge credit to my account the very next day. When i called to ask what that was they stated it was due to the recent dispute i filed. To this day i have not receive any letter about a dispute. After a few weeks i called and the rep told me she did see the rep and i asked how long would they give the merchant to respond. She stated they give them 45 days and we are about 3 weeks into that process. I called again when we were about a few days until day 45 and again the person I spoke with told me that they saw the dispute and that in a few days i should have a credit because they could see my dispute and that the merchant had not replied to my dispute. i was feeling good as I had hired the next company to fix the floor. i was really hoping when i got the credit that I would be able to pay the new merchant. After giving them over the 45 days i decided to call since i had not heard anything. I got a customer service rep and they ended transferring me to their dispute are. The worst part is that the dispute rep said no dispute was ever filed and that i had to start all over again. I was very upset and i feel that REG Z, a federal law, was violated since they stated to me a dispute was filed and they they gave the merchant enough time. I have waited 45 days, 60 days and now the merchant tells me i have to wait 120 days and i feel that is not right nor fair.
Consumer complaint received 2017-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (FL)

I am receiving repeated calls from Affiliate Asset Solutions. I have made repeated requests for them to tell me exactly why they are calling. They will not tell me the caller 's name, the reason for the call and I have also made requests for any demands to be mailed to me, yet I have received nothing in the mail. They will not tell me amounts, creditor, etc. - nothing. I have no knowledge of ANY outstanding debts, I have checked my credit report and nothing indicates any delinquent debts on my credit reports, I have not received any notices from any creditors, etc. and all of my bills for my personal and business use are current.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southwest Credit Systems, L.P. (PA)

The company reported the account as opened in XXXX on XXXX when the account was opened in XXXX. The account is 8 years old and should be removed from my report, and I tried to resolve the matter with them. I offered to pay in full to remove the inaccurate information and negative reporting they refused. The company is called southwest credit systems.
Consumer complaint received 2017-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

To whom it may concern, This complaint is in regards to my Capital One credit card. On or about XXXX/XXXX I made a purchase using my credit card ; on or about XXXX/XXXX I reviewed my statement and noticed an Unauthrorized charge so I in formed my credit card company and initiated a dispute. 

Three or four days later my wife reminded me of the purchase I made that I filed a dispute for, I tried to contact my credit card company to redact or withdraw my initial dispute. The agent on the phone had informed me that once I file a chargeback I 'm no longer to retract my claim. 

Is this accurate? If I file a dispute on a transaction do I no longer have any rights to withdraw? Do I give away my rights to accept financial responsibility? Did my mistake cause a merchant to lose out on the original purchase amount and the service they provided? I 've tried to contact the merchant and they are no longer in business due to " chargebacks ''. I feel somewhat responsible because my chargeback claim contributed to the insolvency of the entity ; which offered a wonderful service. 

It leaves me to wonder how many other people 's mistakenly filed chargeback cost an honest business to be shut down. Is there any information on how to cancel the dispute you 've filed with your bank or credit card company? Am I wrong to believe that I can accept my mistake so as not to bear financial costs to others? Please help find information or resource links available that allows me to accept a dispute claim I 've filed or withdraw my dispute.
Consumer complaint received 2017-09-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK (KS)

My complaint is regarding Discover Student Loans. I receive 6+ calls a day EVERY DAY from 2 different  numbers regarding being delinquent on payments to my loan. This starts as early as XXXX until as late as XXXX. These calls start even when I 'm only a day or two late on my payments. I have tried to speak with the company numerous times but they have all told me that they ca n't do anything about it because it is an auto-dialer. I have tried to work with the company to lower my payments but again, they told me beyond getting a forbearance, they are unable to lower my payments. I have had to block both numbers from my phone just to avoid being bothered by the calls while at work.
Consumer complaint received 2017-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

The complaint and supporting documents are attached.This complaint is against Bank of America, N.A.On XX/XX/XXXX, I filed a CFPB complaint against Bank of America. See complaint number XXXX.On XX/XX/XXXX, Bank of America responded in a letter, alleging that it could not respond to my CFPB complaint because of an, “adversarial proceeding” between me and Bank of America. The letter also instructed me to contact Bank of America with any questions. Exhibit APursuant to the letter, onXX/XX/XXXX, I contacted Bank of America and asked for the contact information of its legal counsel in the “adversarial proceeding” referred to in Bank of America’sXX/XX/XXXX letter. See, Exhibit B. Bank of America received my request on XX/XX/XXXX. See, Exhibit C.I have received no response from Bank of America to what would seem to be a very simply question. Does the CFPB not find it odd, that Bank of America will not identify the “adversarial proceeding” it claims to be engaged in, that prevents it from answering my complaint? Further, is it not odd that Bank of America will not provide the contact information of its legal counsel in that alleged “adversarial proceeding?”I am asking that Bank of America identify the “adversarial proceeding” that it claims to be engaged in, that prevents it from answering my complaint. Further, I am asking that Bank of America provide the contact information of its legal counsel in that “adversarial proceeding.”
Consumer complaint received 2017-11-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ACS Education Services (IL)

I have contacted ACS repeatedly regarding my payments being too high and me being unemployed and was told forebearance and deferment are my only options. Then a friend told me about the income based repayment plan so I asked ACS. They sent over the paperwork to fill out and I did it. I spoke to them when submitting to make sure everything was accurate and he told me I had to use my unemployment as income so I did. I said what happens after I turn it in? He said you just do nothing, make no payments, and wait to hear back from us. So I did. After a few months ( Im a single mom trying to make it through day to day so remembering to check on my status wasnt at the top of my priority list. ) I remembered I had submitted it and hadnt heard so I called and they told me that it was denied because I made too much money on unemployment at $ XXXX before taxes. ( After speaking to someone else at ACS I found out I wasnt supposed to put my unemployment on there at all!! So if I was given correct info I would have been fine. ) I didnt resubmit because I was currently working on a 4 week project and so I was told there was nothing I could do. The problem now is all those months I wasnt paying because I was told not to went into my credit report and they refuse to remove them. So now I am trying to find an apartment/but a home for my child and I and I cant because I have too many late paymentS from ACS and so nobody will even rent to me! So now I had to move in with my parents at XXXX years old. Its ridiculous they can do this and not be held responsible for single handedly ruining my life. 

Looking at my account- my principal borrowed was around {$11000.00}. I have paid over {$7000.00}. Yet somehow my remaining balance is around {$14000.00}. How is that even possible?! My loan has over doubled??
Consumer complaint received 2017-09-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (MN)

The CBE Group is trying to collect a debt from me for the wrong amount for XXXX XXXX. I have asked them to validate the debt by providing me with the contract, detailed bill showing all of the charges because I do not agree with the amount. XXXX a rep there that I have talked to a number of times advised me that they do not have it and that they are not required by law to provide me with this information. I have been asking since XXXX. This bill started out at XXXX and then they sent me a notice for XXXX in XXXX, then this month they sent a notice stating I owe XXXX. The reason for this is because they state they have bought the same bad debt 3 times and charge me 18 % each time. I advised they have had this whole time and that they cant do this and XXXX advise " We can do what we want ''! I only owed them XXXX and I have offered to pay this but they will not except it.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (NV)

The credit bureaus are allowing hard inquiries and hard hits affect my credit score whereas it was at a fair credit score and now at its lowest ever. Before the end of XXXX XXXX XX/XX/2023, my credit score was at XXXX with Experian, XXXX and slightly low in XXXX XXXX XXXX. Hard inquiries from unknown sources started to hit and attack my credit score and now it's as low as XXXX. I cancelled my credit repair online subscriptions because the money that I was shelling out didn't make any difference. I went through the process of contacting by writing a letter and disputing accounts that were saying inaccurate information. After spending over {$50.00} in both credit monitoring and credit repair companies online that guarantees that results will be reflected after thirty days, now my credit score is as low as it have ever been. I see dealerships that I don't recognize and other companies that have used my social security to affect my credit score and drop it down more than XXXX pts. I even took an unsecured credit card to boost it but while seeking solutions to help increase it is decreasing what little effort that I am trying to do. So what's the use of acting in good faith and follow the steps of improving ones ' credit score but these type of unexplained actions are occurring impacting your credit by more than XXXX points over night. How is that done?
Consumer complaint received 2017-11-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NE)

I am asking you to have consideration of me, I had a work orientation but my condition is a little bad for this moment I am treating myself because my medical condition is not well ; I am having a lot of chest pains and I had problems in the past with my hearth and for that reason I cant continue with the orientation of the work because my health is first. 
I understand that it is my responsibility to comply with the car loan, it is my only transportation and I have frequent medical appointments, I am not refusing to pay. 
I 'm just asking you to remove all the late payments move it to the end of the loan, just defer all the late payments please to start everything without any problem in XXXX XXXX, since I had to make some mechanical work to the car.