davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

Hello, Ive been paying my loans since 2007. Both Private and Federal loans from Navient and continue to pay them off. Throughout the years Ive encountered a number of issues when dealing with Navient. Lack of communication and poor customer service- nearly impossible to speak to real people about concerning account issues. No transparency or explanation regarding implications of Forbearance or more affordable repayment options and a number complications during hardship periods.
Consumer complaint received 2024-09-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC. (CO)

I received debt collection notices from a debt collection company- BC Services . When asked for proof that the debt was mine, they would not answer. I asked them to send me copies of statements. They refused. I contacted the XXXX XXXX XXXX XXXX asked when this debt was added to my billing summary, they could not verify. I asked what my current account balance was and they stated {$0.00}. I asked if I have ever missed a payment. They stated no. When I asked to provide proof that the bills were mailed or added to my online account. They stated they did not have that information. The amounts they are trying to collect on are listed below. I also verified that the amounts were never listed in my online billing account and that no statements were ever sent in physical mail or showed online in my account. 

{$180.00} {$120.00} {$120.00} {$770.00} {$72.00}
Consumer complaint received 2024-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (CA)

Since XXXX of XXXX Roundpoint Mortgage Servicing LLC rejects my online mortgage payments made to their company paid through my bank - XXXX XXXX XXXX  on the online banking portal. 

I filed a complaint already through CFPB and it says case closed bank responded? What they responded and continue to return my online payment attempts? This is illegal?? 

On XX/XX/XXXX I mailed a payment as I do every month using the US Mail - it is due on XX/XX/XXXX ( late fee after ) - on XX/XX/XXXX it had not been received- I had to pay {$30.00} for a stop payment and {$70.00} to XXXX a check to Roundpoint. 

This is outrageous and illegal as I understand it under US Banking laws- why is this allowed to go on and why is case closed!!! This is outrageous. 

I have attached a recent attempt - test since I know that it will be rejected - of {$1.00} - you can see the payment and the return of the payment to my XXXX XXXX XXXX  account.
Consumer complaint received 2024-09-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

Company fail a requirement pursuant to the Truth and Lending act 15 usc 1601 which is a violation towards the DCPA under title 15 usc 1692J furnishing deceptive forms. Company is criminal violation to my livelihood pursuant to title 18 usc 894 ( a ) collection of extortionate means.
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CULLEN/FROST BANKERS, INC. (TX)

I went to frost bank atm at XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX United States At XXXX on XX/XX/year> and deposited {$500.00} cash into my checking account. The next morning I check my account and the money is not there and does not show I ever deposited it. I went to the location and the front desk said that ATM has been having problems. If it is having problems why would it still be open to use??? My {$500.00} is now missing and I have submitted a dispute for frost to do their own investigation but for now Im out {$500.00}.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (NY)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Collection XXXX XXXX XXXX XXXX - Late Payment XXXX XXXX XXXXXXXX XXXX Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment
Consumer complaint received 2024-09-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I rescinded this contract due to adverse action. They continue to harass me and continue to charge me for a policy that is not valid. This contract has been rescinded and accepted by their agent. There was also a cease and desist mailed certified as well. I have also sent FOIA requests for every declaration page from the start of the original agreement, with no response. This is an unfavorable term to the consumer, USAA continues to bully and harass consumers when they have attempted to assert rights that are equal to those of USAA.
Consumer complaint received 2016-04-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Second Round Limited Partnership, Austin, TX Branch (TX)

This creditor called " XXXX '', say that i owe them XXXX dollars of items that i have no idea what they are talking about, and it happen XX/XX/XXXX -XX/XX/XXXX i have know idea who stole me Identity was stole about that time dealing with a Tax issues thats the only time that i knew of any Idenitiy fraud. So debt collector called Second Round LP send a statement of payment to me thats when i contacted Bureau of Consumer Financial.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Lendmark Financial Services (MD)

I requested inaccurate information to be deleted from my credit report. The account is closed but they are reporting it as open. Every time I call them they say they will delete it but it continues to show on my credit report. I requested for them to provide me with the original contract with my Wet signature/Creditor name -address-phone number of original Merchant/Payment history and Itemized Billing associated with my account/Proof of ownership providing that you are Autherized to collect this. 
XXXX FCRA states under 15USC.1681 section 602 states I have the right to privacy and 15USC.1684A section2 states you can not furnish my information with out my written permission. 15USC.1666B sates a creditor can not treat a payment on a open account as a late payment. 
XXXX Lendmark XXXX Bank XXXX XXXX XXXX Please Provide me with the original contract with my Wet signature/Creditor name -address-phone number of original Merchant/Payment history and Itemized Billing associated with my account/Proof of ownership providing that you are Autherized to collect XXXX XXXX  XXXX
Consumer complaint received 2024-09-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: Shellpoint Partners, LLC (TX)

I am writing to formally address an issue with the recent invoicing for my Home Equity Line of Credit ( HELOC ) account, [ XXXX ]. I have had invoicing issues ever since my HELOC transferred from Specialized Loan Servicing XX/XX/year> to Newrez LLC dba Shellpoint Mortgage Serving ( Shellpoint ), that have yet to be resolved. 

It took 3 months to finally receive an invoice, and when I did it had the incorrect rate that does not agree to the mortgage note. Daily rate should be 10.125 % /366 days= 0.02766 % and not the incorrect rate on the statement 10.125 % / 365 days = .02774 % A Shellpoint phone rep said they have system issues and have no estimated resolution date in sight. I havent had correct or timely billing since the transfer to Shellpoint in XX/XX/year>.
Consumer complaint received 2024-09-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (NC)

I've been paying the monthly payments since last year of XX/XX/XXXX. At times I was unable to pay the full amt of {$440.00}, because my husband has been XXXX  for months, but I was able to pay the existing principal balance off in XX/XX/XXXX, in which left the outstanding deferred balance. My husband co applicant XXXX XXXX died on XX/XX/XXXX. I still managed to pay a monthly payment as directed, up until I received an email on XX/XX/XXXX that my loan is in risk of charged off and repossession for a past due amount of {$4000.00}. I am so confused because I was told to continue to make payments and was not giving any options at the time the loan matured. I have spoken to a rep XXXX XXXX as of last week and was told repossession will not begin until the end of XXXX and that I was XXXX payments past due. I have never been 30 days or more delinquent on my account, but to hear I am XXXX payments past due have me wondering where my payment is I've been making in the last year. I've tried reaching out to supervisors, but with Ally Financial you get nowhere. I have proof of documents of my accounts and case numbers regarding my issues in the last year. Per my account balance shows and outstanding balance of {$6500.00} and it also shows the same balance for XXXX and XXXX report in which I have. I need help! I just want to be able to pay the outstanding balance off in the next 3-4 months as I was told.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (CA)

I have included a letter that was previously not included in my recent complaint regarding this matter. 

I am filing this complaint because XXXX XXXX XXXX  and NATIONAL ENTERPRISE SYSTEMS have repeatedly contacted me, claiming I owe a debt that I do not recognize and for which I have no contractual obligation. I have no relationship with either company, nor have I authorized the sharing of my personal information with them. Despite my lack of consent and the absence of any valid contract, they have continued to send misleading and unauthorized communications, causing undue stress. I request that all collection activities and communications cease immediately, as these actions violate the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2017-01-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

I have attempted to rectify this situation for two-three years. This company claims I owe a company called " XXXX '' {$1600.00}. I have never had an account with XXXX. I called Midland directly I have sent verification requests. The company sends a printed copy of their records, but they have never sent a statement from the company they say I owe. I finally found out XXXX is XXXX. I called XXXX directly who states they have no record of an account owed under my name. I called Midland to inform them of this, and they continue to refuse to remove this item from my credit report. I have never received anything indicating this is my account.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (SC)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (TX)

TD Auto finance has been reporting a vehicle under my credit report that I never purchased. 
When I tried to get some information after several calls, they said the name was correct but the birthday was wrong so they couldn't tell me further, I have never gotten past that point, Have asked to speak to a manger and no luck. This was back in 2019. Then the car apparently got repossessed. And they keep reporting the vehicle under my name as an open account that I'm not aware of nor they release any information to me when I call, because my birthday doesn't match when I call. So they stop there.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA (GA)

THESE ARE FRAUDULENT ACCOUNTS, MY INFORMATION HAS BREEN BREACHED BECAUSE IF THE EQUIFAX DATA BREACH ALONG AS MILLIONS OF AMERICANS GETTING THERE IDENTITY STOLEN FROM EXPERIAN AS WELL AS THE DARK WEB THESE ACCOUNTS ARE FROM FRAUD AND DO NOT BELONG TO ME XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

They run me around in circles doing the same thing repeatedly. Never a result helping me log in. Have sent numerous photos of id and personal info. I am currently back in the XXXX hour waiting for clearance. Every time they give me a password it does not work and the whole process starts all over again and again for the last XXXX weeks.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (GA)

**Re : Unlawful Reporting of Charge Off Request for Immediate Correction** To Whom It May Concern, I am writing to formally dispute the reporting of a charge off on my account, as reflected on my credit report. This inaccurate and unlawful reporting violates the Fair Credit Reporting Act ( FCRA ) and specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ), which requires that only accurate and complete information be reported to credit reporting agencies.

Furthermore, I have not received a 1099-C form in relation to this alleged charge off. The IRS mandates that a creditor must send a 1099-C for canceled debt exceeding {$600.00}, and your failure to do so further underscores the inaccuracy of this reported charge off. The absence of this form indicates that no cancellation of debt has legally occurred, thus rendering this charge off report invalid. 

I hereby demand that MCM  immediately remove this false charge off from my credit report. If this matter is not resolved promptly, I am prepared to pursue legal action to enforce my rights under the FCRA and other applicable consumer protection laws. 

Indirect contact of a consumer report not only violates FDCPA law but violates my privacy rights as the information collected by MCM doesnt match information on my credit report. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The stated address in this alleged debt has never been associated with me. Thus becoming fraud which has been furnished in an FTC report. 

Please provide written confirmation within 15 days that this erroneous reporting has been corrected, or I will proceed with litigation.
Consumer complaint received 2024-09-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fidelity National Financial, Inc (TX)

In XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, which caused me to fall behind on my mortgage payments. I made attempts to catch up, but despite reaching out to the mortgage servicer multiple times, they never returned my calls. While I was still in the XXXXXXXX XXXX XXXX XXXX XXXX they allowed a company/vendor to forcibly enter my home by breaking down the door and changing the locks without notifying me. 

My personal belongings, including my car, were still inside the home. Several of my items were stolen, and my car was damaged when the intruders attempted to break into it and start it. They went through my personal drawers, tried various keys, and eventually damaged my car door. They also stole the battery from my vehicle and a drill from my garage. Additionally, they broke my patio door, causing further damage to my property. 

No one from the mortgage company , the servicer, or the property preservation company ever contacted me during this time. When I returned home XXXX XXXX XXXXXXXX, I discovered the damage and theft, yet there had been no phone calls, notifications, or any communication from any party involved. 

I am XXXX XXXX XXXX, XXXX XXXX, and this situation has been extremely unfair. It feels as though they are taking advantage of me as a senior citizen by trying to take my property while I have been XXXX XXXX XXXX. The vendor they hired has employees who steal from peoples homes when they are not there. I never received any request or notice to enter my home. Whoever they hired has been allowed to roam freely through peoples properties, rummaging through personal belongings and stealing, all under the guise of securing the home. 

There is no accountability for the people they hire, and they have completely disregarded the fact that I have been vandalized by their employees. They not only stole property from my home but also damaged my vehicle, which has no connection to the mortgage. This treatment is unjust, and I am seeking a resolution. The company needs to take ownership and responsibility for the vendors they hire because they are allowing these individuals to steal from the very homes they are supposed to be securing.
Consumer complaint received 2016-11-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (SD)

My Auto payments set on autopay failed during a bank buyout We did not realize that payments were not being made I did not receive a call or a email or any notice of any type .My vehicle was going to repossessed the first person to get a hold of me was a local repossess agent. 
I immediately went to bank and wired funds for 120 days past due the fees i am being is outrageous
Consumer complaint received 2017-03-23
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A. (NY)

I sent money to my mother 's account, from XXXX to XXXX, and she never received it. This happened more than 2 months ago and Citi Bank still " ca n't find my money '' and is not giving my money back.
Consumer complaint received 2024-09-17
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was charged {$300.00} by XXXX XXXX XXXX card ( XXXX ) for a cabin that I reserved for XX/XX/XXXX to XX/XX/XXXX. We drove XXXX hours down to XXXX  just to find the address as a house ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and not a cabin which I verified with the XXXX fire department. Once the charge was posted I disputed the charge because we didn't get the cabin.Capital one credited the charge initially and then reversed it asking for paperwork.I sent said paperwork ( including a detailed explanation of what transpired ) and they denied my dispute. We didn't stay ergo I won't pay for NO services rendered ... ....
Consumer complaint received 2024-09-24
Product: Credit 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: AMERICAN EXPRESS COMPANY (WA)

In XXXX, XX/XX/XXXX. I was billed for a service I had used in the past, but not that year. It was XXXX parental security software. XXXX billed anyway. I asked American Express to block the charge and the vendor in XXXX. I asked American Express to block future charges from XXXX. However, in XX/XX/XXXX, a new charge was on my American Express card and American Express said they have no record of a block. If you have a charge, your options are to leave American Express or request or new card with a new number requiring you to update all of your bill pays from that card. American Express does not provide good options nor does it protect you from former vendors.
Consumer complaint received 2024-09-24
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY (CT)

On XX/XX/year> I went To pay my Raymour and flanigan account ( they use TD bank ) the minimum payment was made of {$120.00}. ( This was a XXXX  ) on XXXX  I logged Into my bank and saw that they took out the {$120.00} twice! On XX/XX/XXXX I called Them on the phone to make the complaint, because they were not open on the weekend. They told me I would me issued a refund check for the {$120.00} that they somehow took it out twice by mistake, but it would take up to XXXX business days and If I didnt receive it by the end of XXXX to call back. Well XX/XX/XXXX came around and still no check to be found. The next person I spoke To said I have to wait up to XXXX business days that I would Get my check. Well then it turned into XXXX business days and no one could tell me where my check was, they told me to give it a week and call back that they promised there would be an update on my account. The week passed by and I called And still no update, I was Told I had To wait another week! So today I call again, still NO update on my missing money or how long it would be, just that they were working on it I asked Them are you actually working on it because now were about to be 2 months in and my account is still missing the {$120.00} and I dont Understand how it takes this long to refund someone their money back that never shouldve been taken, but yet they still want me to make the monthly {$120.00} payment every month or I will Be charged a late fee for not paying, but yet they still have an extra {$120.00} of my money!