davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (NV)

WAKEFIELD & ASSOCIATES ( XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NV)

on and about XX/XX/1920 we called mr cooper who is our mortgage co about there forbearance plan spoke to XXXX XXXX a rep from me cooper asked him how it worked to delay payments as we are seniors and having difficulty at this time he seemed to not know how to explain to us the program my husband kept asking him questions he said we would have 3 months of no payments but when my husband asked how we pay back he kept giving us different answer he kept giving us different money figures how we pay it back it didnt make sense to us so my husband figured out and gave him what it was going to be {$2100.00} added on to our monthly alternative wasnt acceptable to us we told XXXX we needed to think about this letter dated4XXXX  came in saying we were accepted gor this program we never okayed this this is fraud against me cooper and XXXX XXXX we received this letter on XX/XX/1920 we told her we never said we wanted to do this they also discontinued our autopay shw was sending a stop order on on XX/XX/1920 we also paid our mortgage payment to her that day she said it would take 3-5 days then my husband called on the XXXX because nothing was cancelled for the forbearance as of the XXXX nothing has been done XXXX XXXX deceived ud and has caused us stress in a time that people have there health and money problems they did us a disservice we as we feel we dont want our account with me cooper anymore feel that should pay off our account with them or transfer us to a reliable company fraud has not they way a company should be run
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The account was settled and the settlement amount was paid in full. I sent the information to XXXX and they have failed to properly verify the information and report it correctly on my credit report. The balance is {$0.00} but they are still reporting a negative balance and stating it was charged off.
Consumer complaint received 2020-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

I have about {$290000.00} of student loans being serviced by Great Lakes Borrower services. Out of that {$290000.00} about {$18000.00} is accrued interest that was present before the coronavirus pandemic. The servicer is putting all accounts into an administrative forbearance in order to comply with the recently passed CARES act. 

I would like to know if the {$18000.00} of accrued interest will capitalize and be added to the principal at the end of the forbearance on XX/XX/2020. The only response that I received from them is the following : " interest MAY capitalize based on the following situations ''. It then goes on to list circumstances under which interest normally capitalizes. 

In this context, the word " may '' means absolutely nothing. I am looking for a simple YES or NO answer to a simple question. For your convenience I will ask the question again. 
Assuming I make no payments during the covid 19 forbearance, will the {$18000.00} of previously accrued interest be added to the principal balance at the end of the forbearance? 


I've been dealing with trying to get a straight answer for over a month now and am stuck with generic copy and paste replies. 

Please help.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (PA)

This is Complaint Against Citi Bank has been left unauthorized hard inquiry on my credit without my authorization as date below CITICARDS CBNA Inquiry date : XX/XX/2020 so i have been indicated is fraud use my identity with 3 report credit companies XXXX XXXX XXXX
Consumer complaint received 2020-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with CACH LLC/RESURGENT CAP Account # XXXX and XXXX XXXX account # XXXX, Account # XXXX. I am not responsible for any payments for this account. I have no business with CACH LLC/RESURGENT CAP, XXXX XXXX and its successors. CACH LLC/RESURGENT CAP and XXXX XXXX is " third-party debt collector ''. This collection agency typically buys unsecured credit card debt from companies. I do not have a loan or contract with CACH LLC/RESURGENT CAP and XXXX XXXX or owe a debt to CACH LLC/RESURGENT CAP and XXXX XXXX is attempting to collect a debt on the basis of fraud. CACH LLC/RESURGENT CAP and XXXX XXXX has report false, derogatory, defamatory and slandering information about me to the 3 credit Bureaus on account # XXXX and account # XXXX which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate and negative information!!! CACH LLC/RESURGENT CAP and XXXX XXXX decided to ignore my demands for Validation and delete the negative information immediately on my credit report. 
Over the past several months, I have tried to resolve this issue on XX/XX/2020 and XX/XX/2020 by Demand to Cease and Desist ALL Collections Activities and filing a complaint FTC but to no avail, refusal. CACH LLC/RESURGENT CAP and XXXX XXXX decided to ignore my demands for Validation. The item was not being reported legally and lawfully. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. 1. ( actual accounting ) 2. ( sworn affidavit or signed invoice and 3. A copy of the contract binding both parties.. Failure to substantiate the claim, Delete account immediately.I will further pursue all of my legal remedy without further notice to companies. Please Remove/delete CACH LLC/RESURGENT CAP and XXXX XXXX, immediately!
Consumer complaint received 2024-09-30
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: Shellpoint Partners, LLC (IN)

Re : XXXX On XX/XX/XXXX, I received a letter stating my mortgage payment from XXXX had been reversed again due to insufficient funds on XX/XX/XXXX. Shocked, I immediately contacted my bank, XXXX, who confirmed that no reversal was recorded on their end and that my XXXX mortgage payment had posted without issue. I then called NewRez and spoke with XXXX XXXX, who claimed that my XXXX payment had been refunded twice due to a stop payment. However, according to both my bank and NewRez 's own correspondence, only one payment had been reversed. This left me in a situation where NewRez showed two payments reversed, despite me having paid them validly on both XXXX and XXXX. The original issue was with the old servicer, and that had already been resolved, yet NewRez inexplicably reversed an additional payment. Despite my valid payments, they assessed a {$20.00} fee and couldnt explain why the second reversal occurred. XXXX insisted that I had XXXX XXXX payments reversed, but I had only stopped payment on one, and I only received funds back for that one. After confirming with XXXX, I saw no evidence of a second reversal. When I escalated the issue, I spoke to XXXX XXXX, who was kind enough to reverse the fee but couldnt comprehend how their system had reflected two reversals when only one occurred. 
After investigating further, XXXX confirmed that NewRez had mistakenly reversed the payment twice with no clear explanation, admitting they had completely mishandled the situation. She even filed a complaint on my behalf, but the lack of attention to detail and the unexplained errors were egregious. I informed her that I would be following up as well on my open complaint. So, now I have to trust the company who has lost over XXXX and assessed a fee to me without resolve, someone who simply wants to pay their bill, to fix this and reflect appropriately. Imagine all the thousands of people not so anal about their finances getting money stolen from them with a fee to boot. Fix this. Investigation is needed!
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXX is reporting a debt that was received from XXXX XXXX/XXXX of {$190.00}. I have notified XXXX XXXX, but it still shows on Transunion and XXXX as closed, but with a balance of {$190.00} owing. XXXX is used as a conduit for payment instead of exposing my bank account or credit card to prevent fraud. I had one account with XXXX XXXX and paid it completely on XX/XX/XXXX, leaving an overpayment of {$3.00}. On XXXX XXXX, XXXX stated the balance on the account was {$0.00}, the {$3.00} disappeared from the records. 
I never used XXXX for extended charges afterwards, or small charges, which XXXX XXXX stated occurred on XX/XX/XXXX - {$7.00}, {$1.00} ; XX/XX/XXXX - {$7.00} ; XX/XX/XXXX - {$6.00}, {$5.00} ; XX/XX/XXXX - {$9.00} The charges totalled {$37.00}. On XX/XX/XXXX - {$29.00} was added to the total, XX/XX/XXXX - {$66.00} + {$40.00}, XXXX XXXX {$38.00} + {$2.00}, and XX/XX/XXXX - {$38.00} + {$3.00}. While XXXX XXXX shared this information with me, Transunion, nor XXXX bothered to investigate by confirming with XXXX. These charges would not have accrued on my XXXX account as they would have been taken directed from my bank account through XXXX. I am including records of XXXX transaction made during XXXX through mid XXXX. The charges are FRAUD. These charges are not shown on the records. I'm including my XXXX records for your review.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I previously complained that XXXX  XXXX XXXX put a phony address and social security number on my credit report. The phony address that appears is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. That address does not exist. XXXX  XXXX XXXX also listed the last four of my social incorrectly as XXXX. 

You sent this complaint to XXXX  XXXX XXXX. 

Today I received a reply from XXXX XXXX XXXX via U.S. mail saying that the above information was CORRECT. 

How is it possible that ANY address, in XXXX XXXX, CA, XXXX is correct? My zip code is XXXX. XXXX is the zip code for XXXX XXXX, CA. Additionally, no such city named " XXXX XXXX, CA '' exists. It can't be correct. 

Apparently, someone who works the revolving door between the banks and CFPB just sent this over to XXXX and XXXX didn't do anything but mail that form letter to me. The form letter has no specific information on it at all. It was printed out in a batch that was sent to many complaining citizens and it just claims that XXXX is right and we're all wrong. 

I assume that I have exhausted my Administrative Remedies and am not obliged to SUE THESE XXXX? I'm kinda hoping that you just have a program that forwards this message to XXXX and that some XXXX there actually reads it. I fear, however, that the XXXX at XXXX will be a machine, which will just generate another " we have it right '' letter. XXXX.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (ME)

We have a high-yield savings account with Ally Bank XXXX We ordered a cashier 's check in the amount of {$26000.00} on XX/XX/XXXX to bring to a home closing. On XX/XX/XXXX we contacted Ally after seeing that the refunds were withdrawn from our account to ensure that the check was in route. At this time we learned that the check ordered had the incorrect payee ( I, the account holder was listed as the payee and not the closing attorney ). I attempted to have Ally correct this but they said that they could not pull the check as it has already been processed. I consented to the check being sent with the wrong payee information as I could endorse the check over to the correct party as the named payee. 

The concerning & devastating part of this came later on XX/XX/XXXX & XX/XX/XXXX when Ally couldn't tell me where the check was. On XX/XX/XXXX, I finally received a tracking number from XXXX that stated that a label had been created but the package not received. Since this was escalated to be shipped via XXXX XXXX XXXX -- I called Ally as I was concerned about the location of the check. They insisted that the check was in the possession of XXXX. After insisting to speak to a supervisor -- they were able to glean that somehow the check was in the process of being pulled back from the mailing department, that the tracking number is actually invalid, and that we're required to wait until they are able to pull back the check from their mailing department to get our money back. 

They are unable & unwilling to return the money back to our account despite the fact that this is their error. We're out of {$26000.00} with ZERO information on when we can expect our money to be returned. We don't have enough money in our account to close on our house. Ally says that we have to wait XXXX business days to hear back from the next tier of customer service ( XXXX Customer XXXX XXXX ). 

This is absolutely devastating. We are mind-blown by Ally 's incompetence and that they truly don't care that they can't find our check, and are totally unwilling to return our funds to our account -- despite the check still being in their building & system. They've wrecked our closing and truly seem to don't care about our {$26000.00}.
Consumer complaint received 2023-08-04
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. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not consent nor authorize to be reporting on my consumer report block and remove pursuant 15 USC 1681c-2
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-04-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A. (VA)

unfairactions against me as a small businessesseeking government-sponsored coronavirus relief. It concealed from the public that it was reshuffling the PPP applications it received and prioritizing the applications that would make the bank the most money. I was one of the first people to apply with pnc as soon as they released the PPP application online. I applied on the XXXX XXXX, yet I was not able to receive funds because they did not process my application at the time of receipt. Instead they waited ten days to contact me saying I was missing initials and signatures. I immediately corrected and resubmitted the application. Again, they delayed before letting me know they needed more information. It took them ten days from date of receipt to even check my application. Yet, the loans were supposed to be given on a first come basis. They repeatedly asked for the same information that was given to them. And there are correspondences with dates and time to prove that. Small businesses were supposed to get this loan. Yet some how multi million publicly traded. Companies received a majority of the funds.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Between the dates of XX/XX/XXXX and XXXX XXXX 2019 I had a total of {$3200.00} fraudulently charged onto my XXXX accounts. ( Both XXXX XXXX  and XXXX XXXX  were affected ). These charges were initially disputed with both XXXX and Bank of America on XX/XX/2019. I had submitted paperwork documenting my fraudulent charges and spoken with no less than 5 separate bank of America employees. For reasons unknown to me the disputed charges were put into two separate claims. One claim was repaid to me in the amount of {$1000.00} however the second claim of {$2300.00} has yet to be repaid. The employees of bank of America claimed the file was in OPEN status for just shy of 5 months. Despite my attempts to speak directly with a manager I was never given reasoning for their denial of my reimbursement.
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello CFPB officials, Somebody made a payment to my credit card account with Bank of America. I spoke to customer service, they are unable to mark the payment as fraudulent. They are unable to remove the payment made to my account. I am concerned that either somebody has tried to make a payment into my account fraudulently or somebody has made a mistake. 

The amount paid via direct debit is {$940.00} on Saturday XX/XX/2020. 

Details of transaction : Transaction date : XX/XX/2020 PAYMENT DIRECT DEBIT - THANK YOU Transaction date : XX/XX/2020 Card type : Visa Transaction type : Payments Merchant Name : get more information about merchant name change PAYMENT DIRECT DEBIT - TH Select to Edit the merchant name Transaction Category : get more information about transaction category Finance : Bank of America Credit Card Payment Select to Edit the transaction category Online Transaction : N Type Payment - {$940.00} {$0.00} Thanks
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (WA)

Barclay 's put me in on a " Long Term Assistance Program '' for the credit card on XX/XX/XXXX. The terms were to pay the minimum payment for 60 months and they closed the credit card. This was in XXXX of XXXX. They then continued to report late payments - 120 Days Late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then started reporting On Time Payments in XX/XX/XXXX and XX/XX/XXXX. Then from XX/XX/XXXX to XX/XX/XXXX they have reported 30 Days Late EACH MONTH. I've been making my minimum payments as I was instructed to but Barclay says the way that it records in their system is late ( even though its not 30 days late ). In XX/XX/XXXX they stopped the Late Payments ; however, the previous ones are still there when I was just following the plan that they gave me. They did not disclose that paying the minimum payment and being on the program would still report late payments to the credit bureaus. 
I've disputed this issue with the Bureaus and Barclay 's multiple times but can't get them removed. Barclay 's has admitted over the phone that it shouldn't have reported late payments but they can't do anything about it because of their system reporting. The credit bureaus just verify the information when I dispute with them. 
Further, the letter received when put on this program says that my minimum payment will be {$120.00} and no late fees will be applied.
Consumer complaint received 2020-04-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Critical Resolution Mediation LLC (IL)

The place said in a message to my sister her full name and mine and a case number on message on her number. They threatened to sue my sister and me. I never got any correspondence or notice of a lawsuit from this place. When I called about phantom debt they never said yiu they were and never asked me to verify old information they had on me but couldnt let me know who the creditor was specifically, the dates the debt had occurred. They forced me to give my cureent information to them by threatening to sue me, garnish my wages and harass me with calls from spoofed numbers. I never got any correspondences or notice of a lawsuit from this place. I refused to sign a payment authorization after I searched the number they called my sister from and found out same number that calls for work from home job scam too. I have talked to multiple lawyers that say they have filed lawsuits against this place and they never respond back to them. Proof that they are scamming people about a phantom debt. They do not follow the FDCPA Law. The spoof numbers are XXXX. XXXX XXXX XXXX XXXX. 

The company number is XXXX. XXXX. And they person in the message is XXXX XXXX. When yiu call the spoofed numbers they go directly to his line. 


The XXXX number is a work from home scam number also which I have gotten harassing calls from them too same person XXXX XXXX. They call you from spoofed numbers about job opportunities They refused to mail me proof when I asked them to of showing the dates that phantom debt is from and to prove that they have it. 


The case number they said on the voicemail was # XXXX and calling from XXXX XXXX XXXX XXXX and person calling was XXXX XXXX Email address for them are XXXX XXXX XXXX