davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

XXXX XXXX and XXXX had XXXX loans with XXXX XXXX, when they split into the Navient they screw up my payments, would send XXXX to Navient and XXXX to XXXX XXXX, per the addresses they provide me. Well all the payments I sent to Navient were getting credited to the XXXX XXXX XXXX account. I called them and they said I had to send them proof that I sent the money, and to up-load the cancelled checks. Went online to upload documents as they told me to, but there are no options to upload the docs on their website. Called again, had to explain the story XXXX or XXXX more times to different reps. They kept on passing the buck around to different reps. 
Finally a rep told me there was no place to upload docs as the other reps told me to do ... ... Straight up lies. Finally talked to a rep, who told me to send separate payments to different account numbers, XXXX to Navient and XXXX to XXXX XXXX. These companies should be shut down. Customer service is on par to XXXX. XXXX different companies under XXXX umbrella.
Consumer complaint received 2015-05-18
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NY)

Last Month I attempted XXXX purchase a Wireless Rioter I went 2 XXXX XXXX & Ordered one I made a mistake when Paying for it which resulted in XXXX Pay placing the charge on my Discover Credit Card.On XX/XX/2015 I notified Discover Card about the charge & also XXXX XXXX which resulted in my not receiving the Rioter or the Refund.I had emailed discover Customer Service a # of times & have been getting the Run Around.
Consumer complaint received 2015-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Services, Inc. (FL)

I paid my dept to CSI to XXXX over 3 years ago, even after 3 years of asking them to removing the debt off my record it still on my record. I currently use the service and have been for the last 3 years. I have filed a dispute with the credit report Transunion and it wont get off my credit. While I do n't have the original receipt that the debt was paid in full I have statements for months i use their service. I call and they keep saying that they will take care of it and it should be off my credit in 45 days and nothing gets resolved. I even call XXXX XXXX to see if they can do anything and they give me false numbers to call. This has been a big mess that I cant seem to resolve on my own.
Consumer complaint received 2015-05-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

my husband passed in XX/XX/XXXX, XXXX Mortgage sold his mortgage to Carrington two months after he passed. I was paying the mortgage until XX/XX/XXXX when Carrington would not talk to me on the phone, they said I needed to send a Death certificate, Marriage Lic. and a Inheritance letter. I did this XXXX times, by fax and by mail and they keep claiming its unreadable and they never recieved a mail copy. then they sent a rep. out and told me the place was being forclosed that I had to move. Now its been 2 and half years and they are still giving me the run around. I have called numerous times and get very ignorant reps. no one will return my calls. So what is a widow suppose to do.
Consumer complaint received 2015-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Financial Business and Consumer Solutions. (FL)

The collection rep advised I was able to take apart of a payment method via Credit card, when I called back to make the payment with the same payment method i was advised I could. The rep advised he never said I could make the payment with that method. I was unable to make the payment. I have requested to pay off and or get it dismissed due to their negligence**they did n't threatened to take legal action but the option I needed was not listed
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My credit card/Checking account were both hacked checking account was left at {$0.00} & a cash advance was made from my credit card they refuse to recoup my money they keep saying they reached out to the other bank which the transfer was made to but obviously they wont get nothing back because the hackers already took the money they pulled from my accounts it's very disappointing after being with Wells Fargo for 21 years I'm still being treated as if I am lying or I'm the one who committed the hack on purpose. police report was made but it appears its non effective nothing has been resolved.
Consumer complaint received 2015-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

An unauthorized inquiry was placed on my Equifax credit file from XXXX XXXX XXXX on XXXX/XXXX/2015. On XXXX/XXXX/2015, I contacted the local XXXX XXXX. XXXX branch listed for the Equifax inquiry to let them know I did not authorize the inquiry and it was fraud. I sent an affidavit regarding the credit application to XXXX XXXX XXXX. The branch manager, XXXX, forwarded my affidavit to XXXX XXXX XXXX fraud department. The fraud department contacted Equifax requesting that they remove the inquiry. XXXX XXXX XXXX sent me a letter dated XXXX/XXXX/2015 stating they contacted all credit reporting bureaus to remove the inquiry. On XXXX/XXXX/2015, I initiated an online dispute with Equifax and faxed them a copy of the letter XXXX XXXX XXXX sent me because the inquiry was still listed on my credit file. Today, XXXX/XXXX/2015, I receive notice that they completed their investigation and the inquiry was a " factual record of file access '' and if I believe it was unauthorized to contact the creditor. I 've already done that and the creditor has already contacted Equifax to remove the inquiry. Equifax apparently is refusing to comply. I 've opened another dispute with Equifax , case number XXXX, regarding this matter. I 've attached the letter I received from XXXX XXXX XXXX, a copy of the fax I sent Equifax with case number XXXX and the results I received from Equifax for case number XXXX.
Consumer complaint received 2015-03-20
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NC)

On XXXX/XXXX/XXXX we were looking at XXXX online exploring availability of show tickets and saw prices for a show that looked like a good value. When we entered our credit card information and selected the tickets the purchase was " XXXX '' back to us at a price ( {$760.00} ) far greater than we thought we were agreeing to. We tried calling XXXX but could not reach a " Supervisor '' as we were told we must. Despairing of that XXXX, we called Chase Credit Card and told them the problem. Chase closed the account, issued us a new card/account # and said they would " investigate. '' After we exchanged letters and phone calls with Chase numbers of times they announced on XXXX XXXX, XXXX that " as a result of our investigation, the charge is considered valid. '' I have written to Chase on XXXX XXXX, XXXX and again by Certified USPO Mail on XXXX XXXX, XXXX asking for the details of their investigation. No answer has been provided. I 'm asking the FTC to require Chase 1 ) to provide copies of proof that I owe XXXX {$760.00} or 2 ) Credit my account for {$760.00}.
Consumer complaint received 2015-12-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Service, Inc. (MD)

I have been receiving harassing and repeated telephone calls from an Asset Recovery Associates. However, they are calling using a spoofed name. On caller id it shows as " FCR '' and the telephone number as XXXX XXXX XXXX XXXX. After conducting an internet search I found the number associated with an Asset Recovery Associates an alleged debt collection firm located in XXXX XXXX, IL. Despite repeated and harassing telephone calls and usage of spoofed caller id information I have yet to receive written communication regarding this alleged debt per the Fair Debt Collection Practices Act.
Consumer complaint received 2015-05-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (TX)

I have been a credit card member from citi bank since 2011, over the past 6 months I have had issues dealing with the company after my card expired and it seemed impossible to get a new valid card. About 4 months ago I decided to not worrie about the card because I no longer wanted to use it anyway to reduce any extra dealings with the company. My account stayed open and I continued to make payments. Now 2 months ago I can not view my account ballance or make a payment online because the card number associated to the account is n't valid ( nor has been prior ) so I was cut off from accessing my account. I called the company and was told a new card was being issued and after being hassled and having to give my SS # as the only way to access my account over the phone they agreed to take payment over the phone. When doing so I made confirmed my mailing address to receive the card. This months payment rolls around, still no card, still no access to account information. I call again tell them the issue talk to a " specialist '' who reviews my account apologizes for the problem and states a new card will be arriving in 7-14 days. 
This morning I check my email and il there is a message from citi denying me a valid card for the account. I could care less for the new card however in doing so they are still cutting me off from making payments online or even access to account info. This company is setting people up for failure and profiting from it.
Consumer complaint received 2015-05-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (LA)

On XXXX XXXX, 2015 I applied to a job on XXXX. The job contact XXXX XXXX informed me via email XXXXXXXXXXXX I met all the qualifications for the job and to contact ( XXXX ) for an interview. The interview took place on yahoo messenger. I was given an identification number for the online hiring process " XXXX. '' After completing the interview questions on yahoo messenger I was told that I would receive a cashiers check in the mail to buy supplies to set up an office space. The check arrived in the amount of {$2800.00}, I was told to deposit the cashiers check then withdraw funds to wire via XXXX XXXX or XXXX XXXX. The funds were wired as asked my potential employer. On XXXX/XXXX/15 Chase Bank mailed me the check stating it was Altered/Fictitious. The total amount wired via XXXX XXXX was {$2700.00}. This scam was reported to XXXX XXXX Police Department and a complaint was filed with XXXX.
Consumer complaint received 2015-12-02
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (IL)

I RECEIVED A PREAPPROVAL APPLICATION LETTER FROM BP OIL. WHEN I SUBMITTED MY ACCEPTANCE CERTIFICATE, I WAS DENIED AND A HARD CREDDIT INQUIRY WAS REPORT TO THE CREDIT BUREAU. I CONTACTED COMPANY REGARDING MISLEADING ADVERTISEMENT BECAUSE THE LETTER STATED PREAPPROVED. ALTHOUGH A CREDIT LIMIT WAS NOT DISCLOSED PRIOR TO OPTING TO ACCEPT PREAPPROVED CREDIT CARD OFFER, I WOULD HAVE NEVER INITIATED A CREDIT CARD APPLICATION, IF IT WAS NOT FOR THE STATED PREAPPROVAL ( NOT PREQUALIFIED ). THE CUSTOMER SERVICE AGENT SAID SHE HAD LIMITED INFORMATION TO RESOLVE MATTER AND DOCUMENTED MY CONCERN
Consumer complaint received 2015-03-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Recovery Solutions, LLC (NJ)

I wish I could click more than XXXX item above that is an issue, instead I will list them here. 
Asset Recovery, they call under both names, continuously harrasses me on my cell phone and now they have started to contact me at work. Even going so far as to misrepresent themselves as contacting me on behalf of my employer ( while I was at work ) and asking me to confirm my ss # etc. They then laughed when I would n't and said I would most likely be fired. 

They are trying to collect on a debt I DO NOT OWE. My credit is clean. I do not owe XXXX. I contacted XXXX XXXX Services and they said they have no idea what XXXX or Asset Recovery are speaking of. My account is up to date and paid adn has been. 

XXXX/Asset is also saying that there is a lawsuit against me and they are going to inform my employer and I will be fired. I have been cursed at, yelled at and threatened day and night. It 's not stopping and now it 's at my place of my employment when I 've asked them to stop. 

This is a horrible horrible business and it seems there is no recourse.
Consumer complaint received 2015-11-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

My husband and I are trying to refinance our house. Ocwen is our 80 % mortgage holder and they are not reporting our monthly payments to the credit bureaus. We tried to refinance with a mortgage broker and when she ran our credit Ocwen a showing as a close the account ( See example A ). She told us this is affecting our credit score and in turn we can not refinance. I contacted Ocwen 's resolution department to discuss this matter, they told me they are reporting our monthly payments to all XXXX credit bureaus XXXX, XXXX, XXXX, and XXXX as current and that I could contact the credit bureaus to confirm. When I contacted all XXXX credit bureaus to confirm our account is being reported as current they told me Ocwen is not showing on our credit. We have a high interest rate as well as it is a fluctuating interest rate with Ocwen. They will not let us refinance with them and we are unable to refinance with another company due to our credit score because of Ocwen 's lack of reporting. Ocwen 's resolution department sent me a response letter stating that they are reporting to the credit bureaus. And when I spoke with the credit bureaus individually I was told Ocwen is not showing at all on our credit report. Ocwen is still refusing to fix this because they say they are currently reporting our account as current. Since claiming bankruptcy in 2008 we have never made a late payment to Ocwen or our previous mortgage servicers. Since informing Ocwen we were speaking to other mortgage brokers about refinancing we have started to receive phone calls from a man named XXXX XXXX claiming he is from the Federal Government Mortgage Relief Program and that he can reduce our principal balance by {$45000.00} bringing are principal and interest payment to {$540.00} with a fixed interest rate of 1.6 % and he tells me that only he can talk to Ocwen to make these numbers official. But he does n't realize that when he called the XXXX to time the number on my caller ID showed up as a number I was given by an Ocwen employee as a number I could call Ocwen to check the status of the issue with our credit report. Can someone please help us we currently own more on our house then it 's worth we have never refinanced or remortgaged or borrowed against our house and just want to be able to afford our monthly mortgage payments and right now with our taxes and insurance we are paying about {$1800.00} monthly we are drowning.
Consumer complaint received 2015-08-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (NV)

Citi bank credit card keeps calling for a XXXX and u have told them they have ththe wrong phone number. HAve been calling since XXXX XXXX. I auto rejected them but enough is enough.
Consumer complaint received 2015-05-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

I am getting letters from Enhanced Recovery Company saying I owe {$86000.00} to XXXX. I am now getting phone calls about this. I have never had XXXX and it 's not anywhere in my area.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the XXXX Credit Report XXXX ( FCRA ) this creditor has violated my rights. under 15USC1681 sec 602 states I have the right to privacy.15USC1681 sec 604A sect 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666 ( b ) ( A ) A creditor may not treat a payment on a credit card account under an open-end consumer credit. 15USC 1681A 2 ( a ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNTS : 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I submitted a request to XXXX, Experian, and XXXX for all of my personal information to be corrected and updated. My full name is XXXX XXXX XXXX born XXXX XXXX. This is the only name that I ever went by with the exact date of birth.If there are any other names or date of births listed on my report I ask for it to be removed immediately. My only and current address is XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. Any other addresses listed on my credit report I do not reside and they arent mine. I ask for all bureaus to please remove every or all addresses that arent mine be removed immediately. Lastly, my social security number should end with XXXX. Any other social numbers listed I ask for it to please be removed immediately. Once all of my information is updated, I request an updated copy from all three bureaus, of my report to be mailed to my current and only address.
Consumer complaint received 2015-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

Convergent Outsourcing, Inc. sent me a letter of " Attempt to collect a Debt ''. This company was asked by XXXX XXXX to collect an alleged debt for {$420.00}. I have already filed a complaint against XXXX at the FTC for the same alleged amount last week, explaining that XXXX received the equipment in full in emails for that effect. Convergent attempted to call me, by phone, and was as expected rude and insulting! They received the same courtesy they afforded me and more!. These parasites deserve that treatment, and more, as they are not in full knowledge of the facts of the case from XXXX. This is a feudal effort, by XXXX, to collect any amount as no matter how small it is, even a XXXX cent is too much for their inferior services throughout the XXXX years we have had them. XXXX continuously violated the terms of our agreement through lies and removal of channels as well as promises made by phone, even when we fulfilled the XXXX year contract with them. It is an out and out attempt of extortion ( the practice of obtaining something, especially money, through force or threats ) by Convergent and XXXX! 
I leave you with this for all to see ; It is by law, between XXXX parties, that a contract or agreement or commitment written or otherwise, is an obligation by the XXXX parties and not XXXX sided. In conclusion, this is a closed and shut case since XXXX XXXX, 2015 as it was admitted by XXXX in a communique, email, on that date. Convergent must not attempt to peruse this case further!.
Consumer complaint received 2015-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NY)

Complaint : Quicken Loans pull credit report of clients instead of collecting and evaluating available information from clients to determine pre-qualification. This malpractice, even for clients not approved, negatively effect their credit. 
I submitted online the information of my property in Florida that is under water. XXXX XXXX ( ( XXXX ) XXXX from Quicken called back and without providing basic information about and requirements of HARP, insisted that I provide my Social security # so she can pull my Credit Report. When I asked what are the requirements she persisted to get the information from my report. When I provided her my credit score and current loan type she still insisted that I give her my SS # because " Most Clients do not know how to read their credit information '' I objected to be classified as " most clients '' and requested to speak to a supervisor. XXXX XXXX came on the line and also insisted that i give my SS # for them to determined my eligibility for the HARP program. I informed him that my credit is excellent, provided my credit score of XXXX and my current loan type ( not FHA, VA, XXXX nor XXXX ) and asked him if I qualify. He insisted that he can not tell me unless he pull my report. I complain that pulling my report before checking if I qualify based on the information I provided will affect my credit even if I am not qualified. He repeated, " Most clients can not read their credit report. '' I again objected to be classified as " Most clients '' or a flock of " dumb sheep '' as I interpreted their remark. I then request information of external agencies to make a complain. He told me that he has no other information and transferred me to Quicken Client Relations. XXXX came on and repeated that it is Quicken 's Policy that their loan officers pull credit report to determine eligibility since " most clients '' do not understand their Credit Report. I again requested information of external agencies to make a complaint and was told that she has no information to give me. I next ask to speak to her manager. XXXX XXXX ( XXXX ) XXXX ext XXXX in XXXX MI came on and again referred to " most clients '' are not able to read their credit report and refused to provide me with an agency to make this complaint. 
In conclusion, Quicken Loans policy to pull credit report before pre-qualifying the client based on information obtained from the client and with no concern for the negative effect of pulling the credit report is a bad practice and should be amended in the interest of the public.
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CO)

XXXX refuses to remove the XXXX XXXX XXXX Auto Collection Account. I request a reinvestigation and removal of said account as it is too old to be on account. Account was charged off in XXXX XX/XX/2009 and the Statute of Limitations have long since run out. Original case against XXXX XXXX XXXX through CFPB is : XXXX. 

XXXX XXXX XXXX has been served a CEASE AND DESIST letter ordering them to stop all contact with me. At this time, XXXX is still reporting an account too old to be on record.