davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

On XX/XX/XXXX, XXXX XXXX offered me a 12-month repayment plan through my servicer, Seterus, so that I could get current on my payments. 

I made the XX/XX/XXXX and XX/XX/XXXX payments as scheduled but then, at the end of XX/XX/XXXX, I learned that my mortgage was being transferred to a new servicer, Mr Cooper.

As early as XX/XX/XXXX, I had submitted inquiries to Seterus regarding what I saw as an inaccuracy in the calculated monthly payments which bundled XX/XX/XXXX as a 'delinquent ' amount into the repayment amount spread out of 12 months on top of the base mortgage. 
The problem, as I saw it, is that XX/XX/XXXX was not delinquent when this was calculated in XX/XX/XXXX. 

When Mr Cooper took over my mortgage servicing in XX/XX/XXXX, I reached out to them at the beginning of the month for instruction on how to keep paying my monthly repayment plan. They told me I would have to wait until early XX/XX/XXXX to receive instruction. So, for XX/XX/XXXX I was unable to make a payment.

Then, in XX/XX/XXXX, I was able to set up an online account and make the next payment. 

On XX/XX/XXXX, I sent an email to Mr Cooper 's research department stating that I wished to pursue the issue of the inaccuracy on my repayment amount. To date, they have not responded to this request. 

This week, I received a letter from them ( dated XX/XX/XXXX ) stating that I had not made any payments towards my repayment plan so they were replacing this offer with their own trial modification offer. This letter is completely inaccurate. Since XX/XX/XXXX, I have made 3 payments towards my plan. The only reason I didn't make a payment in XX/XX/XXXX is because Mr Cooper advised me to wait while they processed my files. 

When I attempted to make a payment this month, I found that they had replaced my 12 month repayment amount with their own trial modification amount. 

I do not wish to take their trial modification. I wish to continue with my 12 month repayment plan and have made best efforts to do so since my loan was transferred to Mr Cooper.

I have written them an extensive letter which I will upload, along with this complaint, that contains a detailed timeline of my communications both with Seterus and Mr Cooper.

The desired outcomes of this complaint are # 1 -to have Mr Cooper correct its information regarding how much I have already paid toward my repayment plan # 2 - to look into my concern that the monthly repayment amount, because of the way it was implemented by Seterus , is actually too high and # 3- to let me continue making payments on the 12 month repayment plan worked out with XXXX XXXX last XX/XX/XXXX.
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (GA)

This is an entry for collection for a debt that says I owe a debt of {$550.00} to this company called Trident Asset Management. This a place whom I have never done business with. I have never opened an account with them. I never signed any contract with them for anything either. So they have the wrong person and this is inaccurately being reported and reflecting bad on my credit report. I bet they can not show you anything that I bought with them bearing my signature or a contract that I signed that shows that I owe them anything.
Consumer complaint received 2018-12-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2018 at XXXX we received an automated call asking to call CAPITAL ONE at XXXX. We can not proceed with having our number removed as there are hundreds of company numbers that lead to this line and the automated call does not give the option to be connected to an operator
Consumer complaint received 2018-09-11
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (TX)

On XX/XX/18, I received an alert from a credit monitoring system that I was 90 days late on my student loan serviced through Nelnet. I called and spoke with Nelnet and advised that I had spoke with a representative back in XXXX. I asked her what we could do to try and remove the 90 day late pay and she immediately jumped to defense and only told me that she could not do this and that the late pay would stay. She never offered me an investigation or even to speak with upper management and now this has totally ruined my credit because of error that they made on their part.
Consumer complaint received 2018-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/XXXX early in the morning lost my debit card issued by Bank of America. 
Woke up that morning with two separate XXXX dollar atm withdrawals at atms not owned by BofA near my home, and charges in XXXX Illinois at a gas station and XXXX XXXX Illinois at a XXXX for a total of around 1,300 in lost money. 

Immediately called Bank of America that morning and the card was inactivated with a new one sent to me. I received only a partial credit of {$300.00} on XX/XX/XXXX which was reversed on XX/XX/XXXX stating that no fraudulent activity had occurred. 

I immediately called my bank and then filed a police report at the local police station and submitted my police report. 
On XX/XX/XXXX Bank of America mailed me and once again denied my charges yet they were fraudulent. 

I have run out of ideas as Bank of America is clearly violating my rights under the electronic funds transfer act. I reported the claims well within 48 hours and am only liable for up to {$50.00}. They refuse to provide valid detailed information stating WHY my claims are not Fraudulent. I have filed a police report and am looking for all avenues to protect my rights and my personal property. 

I can provide more detail such as copy of police report and detailed claim number and amounts.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. This is simply not true. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$5300.00}. I don't owe anything.
Consumer complaint received 2018-09-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

I made a cash deposit at a XXXX XXXX XXXX XXXX and navy federal refuses to release funds. This is theft and their should not be a five business day hold on cash deposits. When I inquired I was told it was because of XXXX holdings of the funds and of course XXXX  states it is navy federals policy. Basically they are blaming each other and their is no way to reverse the transaction so, now I just have to wait. I know nothing will come from this complaint but it makes me feel better.
Consumer complaint received 2018-12-12
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA (NV)

Vehicle was leased in XX/XX/XXXX through XXXX XXXX XXXX. 
A few lease payments fail behind, and I received ongoing robo calls to my cell phone. 

I reached out to an attorney who advised me to make a three way call to call XXXX XXXX XXXX while his office was on the other line, requesting that they stop the robo collection calls. 

I continued to pay my lease off, However, Hyundai continued to dial my cell phone using different phone numbers. I maintained a call log.

Moreover, I have a paper trail of all or my payments. 

My lease concluded on XX/XX/XXXX, and the vehicle was turned over to XXXX XXXX Dealership in accordance to my lease agreement.
Consumer complaint received 2018-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Over a year ago I went into the process of looking into the details of my credit more closely to prepare to eventually purchase a house. I saw an account for a credit card that was apparently opened up, and maxed out. The total reported from the collection company was {$490.00}. I contacted the company- capital one- and they sent me a report of the details of the transactions. I saw that the card was only used strictly for cash advances- and when there were no more funds available- the card went unused and eventually closed. Getting the details of how the card was opened, and where it was sent to- it was disocvered that it was sent to the address I was living at previously with my ex-girlfriend- where she at the time still lived. She had access to all my information and based off the the details it appears that she was the one that opened it and used it for cash advances. Since I had proof I no longer lived at that address- and knew that I did not open that account- I filed a police report on XX/XX/2017. On XX/XX/17 I received information from the XXXX Police Dept that my report was approved and would be investigated. I confirmed with the Financial Crimes Unit today that it is still being investigated. However, even after submitting a police report to Capital One, and formally disputing it online- it still appears on my credit report and I would like it to be removed.
Consumer complaint received 2018-09-12
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: General Motors Financial Company, Inc. (SC)

My credit report reflects a hard inquiry with XXXX  XXXX on XX/XX/18. I did not make any hard inquiries and have not authorized my credit to be ran for any transactions. After calling XXXX, I was told that my credit was ran at a XXXX XXXX in South Carolina. I have not been to any dealerships or made any inquiries. XXXX has been essentially useless in helping to escalate this issue. My credit report has been negatively affected and somebody obviously has my social security number and other personal information.
Consumer complaint received 2018-12-12
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: Jon Barry and Associates, Inc. (GA)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$880.00}, {$970.00} and XXXX.

I challenge the accuracy, compliance and reportability of these listings.

There are no contract, no valid claim ... accounts were settled with original creditors by insurance provider, and I have confirmed this with insurance ( XXXX XXXX XXXX XXXX ) ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt TWICE! It is unlawful.

Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-12-12
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: EQUIFAX, INC. (GA)

XXXX {$96.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled with original creditor ( XXXX  XXXX XXXX ) ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow ... You can not collect a debt twice ; it is unlawful Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-12-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I sent a {$93000.00} payment to Navient to pay off my student loan. I wrote my account number on the check and submitted the check in with the payment form to the payment address on their website which was XXXX XXXX XXXX, XXXX Pennsylvania. I sent the check certified mail and they signed receipt for the check on XX/XX/XXXX. They cashed a check on XX/XX/XXXX and did not credit my account. It is now been more than a week since theyve cashed the check and they said they need to do more research to link the check to my account ( my stepfather wrote the check for me, but it had my name and account number on it ). Ive spent several hours on the phone with them. They have almost {$95000.00} of my stepfathers money and have not credited my account. It is causing exceptional stress on all of us. Navient just says that the check is in suspension mode. They are asking for proof that the check cleared. I uploaded a screenshot of the bank account showing the check number and cleared amount and date two days ago and its still not resolved.
Consumer complaint received 2018-12-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I participated in the Citibank Account Package promotion with the following terms ( screenshot attached showing web url for promotion : " citi checking offer XXXX '' ) : 1. Open a checking and savings account in the Citibank Account Package between XX/XX/18-XX/XX/18. 
2. Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the checking and/or savings account.

3. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days.

4. Get {$400.00} deposited to your account!

I have performed the following activities in accordance to the terms above ( see statements attached ) : 1 ) Opened a checking and savings account in the Citibank Account Package on XX/XX/18. 
2 ) Deposited : - {$50.00} New-to-Citibank funds on XX/XX/XXXX to checking account ending in XXXX, - {$50.00} New-to-Citibank funds on XX/XX/XXXX to savings account ending in XXXX, - {$14000.00} New-to-Citibank funds on XX/XX/XXXX to checking account ending in XXXX. 
3 ) Maintained a minimum balance of {$15000.00} in my checking and savings account for 60 days, until well after XX/XX/XXXX. 
4 ) Inquired on the status of the opening bonus. Given the promo reference code as XXXX and told that the bonus will be received up to 90 days after satisfying conditions 1. through 3. This  means the bonus should post by XX/XX/18 at the latest.

5 ) Inquired on the status of the bonus on XX/XX/18. Told that no promotional info was found on my account, which is open and in good standing.
Consumer complaint received 2018-12-12
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: AmeriCollect (GA)

AmeriCollect {$96.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled with original creditor ( XXXX  XXXX XXXX ) ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow ... You can not collect a debt twice ; it is unlawful Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account doesn't belong to me. 
XXXX XXXX This account doesn't belong to me. 
XXXX XXXX XXXX This account doesn't belong to me.
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (FL)

Was not aware of any bill owed to XXXX or National Recovery Agency until I was getting a home loan. Upon further investigation the so called debt is under XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX And never ever have used XXXX . When I called the collector they first said to write a letter and did verify that it is XXXX Account. So I wrote a letter. When I called back to see if the letter was received they would not discuss the account because Im not XXXX XXXX XXXX but would not remove it from my credit report as not being my debt. They said it was the credit bureaus error and so I contacted the credit bureau who said we need to talk to the creditors. How can a debit for XXXX XXXX XXXX XXXX be under my social security number when he has his own social security number. Please help me! I am very frustrated and can not get answers. I contacted XXXX the origin of the debt and they have no account tied to my name or social security number anywhere.
Consumer complaint received 2019-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

In reference to the Merchant : XXXX who has fraudulently been using my Social Security Number to open accounts with them, in which I have not ever authorized. 

Hello, Please help me with the Merchant : XXXX who has been harassing me into paying a debt I do not owe. They have opened accounts under my name/Social Security number without my authorization and due to Identity Theft. I have personally already addressed this issue with them back in XXXX, confirming this is a fraudulent account with a police report, however, they have been persistent in harassing me with several Collection companies and continually adding negative remarks to my Credit Report even after the fraudulent account already being removed. 

Merchant : XXXX does not have any accurate details about me other than my name and social security number, which they have used without my authorization due to Identity Theft. 

I have already disputed this fraudulent account with all 3 Major Credit Bureaus and they have confirmed Merchant : XXXX is a fraud and had been opened without my authorization. 

Even after all 3 Credit Bureaus have successfully removed this fraudulent account from my Credit Report, Merchant : XXXX has continually used my Social Security Number at their own free will to add another Fraudulent Account under my name and Social Security Number. 

They have fraudulently added this account to my Credit Report more than 3 times now. 

The dates disputed were back on XX/XX/XXXX, for : XXXX : XXXX XXXX : XX/XX/XXXX This item was removed from your credit report. 

XXXX : XXXX XXXX : XX/XX/XXXX This item was removed from your credit report. 

In XX/XX/XXXX, Merchant : XXXX has for the third time, added another collection to my Credit Report with Collection Company Name : ENHANCED RECOVERY CO L - even after this account has already been found as Fraud. 

This is the third time they have used a different Collection Agency to harass me into paying a debt I do not owe. 

Merchant : XXXX and their Collection company : ENHANCED RECOVERY CO L are requesting I pay them {$3000.00} USD for an account I have not ever had with them and which was opened fraudulently. 

Thank you for your help with this.