davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (MI)

There are several things taking place here are a few. 
They never showed the proper payment history or documents when the property was refinanced around XXXX ish. Then in XXXX the loan starts almost over with no explanation or documents. 
Second they keep reversing my mortgage without consent and they're doing this about five times a month then in the process they lose a payment with no explanation of where the money has gone without applying it to the loan or returning it to my bank. Then there's a additional account that separate from escrow that they keep deposited money into without any form of audit or receipts and where the money is going or how it's being applied to the loan.. every time I try to make a payment they reverse the payment after I accepted it forcing me to constantly be three payments behind to try to continue to foreclose on my property. None of the math is adding up we've owned the home for approximately 30 years almost and purchased it for {$71000.00} and XXXX after fee of blender and we owe still over {$60000.00} in 30 years. There has been times our mortgage was {$500.00} there was times it was {$1000.00} a month none of the money is adding up and where any of it is gone. We have never taken the equity out of the home and only refinanced the one time 20 years ago almost. Since XXXX they have changed the llc and name 3x and had lawsuit against them and this week changed name again
Consumer complaint received 2024-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (LA)

In XX/XX/year> I received federal student loan discharge and refund approval for attending a the defrauded XXXX XXXX XXXX XXXXs. I've been in contact with both my loan servicer, Nelnet, and The US Department of Education. Nelnet claims that the decision is on the DoE to finalize the discharge and release the refund. When I call DoE, they said Nelnet is the servicer of the loan so that they should have all the information ( timing, status, refund amount, etc ). When I called Nelnet to relay the message, they insist that its not their responsibility and the burden of information belongs to the DoE. 

I check the news and group chats about the issue weekly. I see that people in the same boat as me are able to get status and refund updates. Why can't I? 

If XXXX XXXX XXXX has been found liable for the harm caused to borrowers, and notices can be found in both Nelnet and DoE inboxes, why is it so hard to get clear answers about next steps. I feel like Im gon na fall between the cracks waiting for funds that can be used to go XXXX XXXX XXXX pay for debt, getting my life back.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (VA)

Never received any written notification about the alleged debt being reported on my credit files. The information is false and does not belong to me. I sent this company a letter for verification three times. I have no ideal what this is and has never received a response back. I received a letter from XXXX informing me that my SSN was breached.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

My account statements that I have never received NOT EVEN ONE, in the mail. And for an update on my balance of about {$3000.00} that I had when my account was closed about a month ago or two ago randomly just wasnt able to login and then I received a letter stating my account is closed and that I will be sent a check with remaining balance after their investigation they have going on within 60 days. Its been a month now and everytime I call they want my account number which I was able to access in the online banking app daily until they removed my account and I didnt think id be locked out so I never wrote it down and didnt notice until now they never ever mail me my account statements monthly with all my information only is accessible and I get emails from my monthly statements that I cant even login to because its connected to the online banking that they stopped me from using without giving my account number which they dont allow me access to because how can I login to get it and they have never mailed it to me. They are giving me the run arounds and it seems they are trying to scam me and keep my remaining balance of about $ XXXX, when I last checked a month ago before they closed my account they wont even allow me to hear my balance over the phone anymore soon as I enter my information Im forwarded to a caller who cant tell me anything or wants me to give my account number but when I ask can they mail my statement which has it to my address on file they say they cant because they need my account number and Ive even given them my full social, name, address, number and was finally able to get a supervisor to access my account without the account number through a phone text verification code and she said she couldnt tell me anything and told me her access is limited so I beg you guys to not let them scam me.
Consumer complaint received 2024-08-13
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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-14
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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$250.00} Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am an NJ attorney representing the Estate of XXXX XXXX XXXX ( # XXXX XXXX XXXX Probate ). On XX/XX/year> we subpoenaed Bank of America to provide the Decedent 's bank account records so we could properly administer this estate and complete the correct tax filings. The accounts in question of XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX and XXXX XXXX XXXX but these statements for these accounts were not returned to us. These accounts could be in Social Security numbers XXXX XXXX XXXX or ssn XXXX XXXX XXXX or ssn XXXX XXXX XXXX BUT ALL THESE ACCOUNTS ARE IN DECEDENT 'S NAME AND SHE DREW CHECKS ON THEM ALL. I CAN PROVIDE THE SUBPOENA. WE INSIST THAT Bank of America immediately respond to our subpoena and tender statements for all these accounts.
Consumer complaint received 2022-12-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I was getting offer from Chase to refinance my townhouse they start the process of refinancing my house and told me I need to put {$500.00} deposit. The agent XXXX XXXX told me if I cancel refinance they will not refund the {$500.00} If Chase decide not to proceed the loan they will refund my {$500.00} XXXXthey canceled my loan and never returned my {$500.00} I tried my best for almost 9 months they did not refund my money. 
I spoke to agent XXXX XXXX told him if they dont fix this problem Im going to complain to consumer department he asked me not to do it he will fix it and he did kept his promise and never return my phone calls
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MI)

Requested validation of the debt from the original creditor XXXX XXXX XXXX XXXX to which now LVNV FUNDING LLC the debt buyer have been reporting the open account open and active since the purchase to which XXXX XXXX  XXXX XXXX have charged off and closed the account prior selling it to LVNV FUNDING LLC
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

Someone took {$XXXX} from me and I am not sure who and I only got back {$XXXX} I am a XXXX individual and need that money to live. I have already provided the documents to prove I am in a dire need
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

Fraudulent ACH Citibank , N.A . 
Indemnification ACH Payment Ref # XXXX # XXXX Citbank Account ACH Date : XX/XX/year> and XX/XX/year>. 
Drawer : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX : XXXX XXXX Total Amount of ACH : {$56000.00} Dear Sir or Madam : I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( the Bank ) and am writing to request assistance in obtaining a response and resolution to two ( 2 ) fraudulent Automated Clearing House payments presented to Citibank, N.A ( Citi ). 

Two ( 2 ) fraudulent ACH payments for {$28000.00} each were presented to Citi on XX/XX/XXXX and XXXX respectively, resulting in funds ( the Funds ) being credited to the above-referenced deposit account maintained at Citi. The Bank immediately notified Citi as the aforementioned fraudulent payments and requested that Citi block access to the Funds for the lesser of ( A ) the Requested Amount ( {$56000.00} ) or ( B ) the amount of the Funds still on deposit in the Account or in any other bank account to which any portion of the Funds have been transferred ; plus the amount of any still outstanding instrument purchased with the Funds, including, but not limited to, cashier 's checks and money orders, ( " Outstanding Instrument '' ) ; plus the amount of any payment made with any portion of the Funds to Citi on any obligation due to Citi ( " Credit Payment '' ). 

In connection with this request, the Bank provided Citi with two ( 2 ) hold harmless agreements, copies of which are annexed hereto as Exhibit A, wherein the Bank agreed to indemnify and hold Citi harmless for the restraint of its account. 

On or about XX/XX/year>, the Bank was informed by XXXX, a Fraud Officer at Citi, that certain funds were restrained. Subsequently, on XX/XX/year>, the Bank was advised by XXXX, a representative from Citis Internal Fraud Department Call Center, that a claim ( No. XXXX ) concerning the restrained funds was being processed. Since that time, the Bank has made numerous attempts to contact Citi to obtain a status update on the return of the funds, but these attempts have been consistently rebuffed. 


The Bank recognizes that the use of the Complaint portal by a financial institution to obtain information and resolution is novel, however recognizing the importance placed by financial institutions on regulatory responses and the deafening silence from Cit, the Bank felt it, on behalf of its customers had no other alternative but to avail itself of this delivery channel. 

Your assistance in this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DIGITAL FEDERAL CREDIT UNION (NJ)

My wallet with all my information was stolen around XXXX of 2023. All my important information was taken and used without my knowledge. My XXXX credit card and my Digital Federal Credit Union credit was what took a hit. Both were disputed, however, the impact on my credit profile was not handled on both. 

Moreover, the disputes with XXXX is now resolved, but XXXX still has an open account where my utilization is over 100 % due to the fraudulent charge on my XXXX account. I got a police report and met all requirements that were asked of me, but the fraudulent charge is still on my XXXX account. My credit score plus my credit profile is taking a beating because of this issue. I hope this can be resolved as soon as possible because I take my credit profile very seriously and utilize my credit for business purposes. 
Thank You!
Consumer complaint received 2022-12-03
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: AFNI INC. (TX)

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for purpose.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (TX)

I have written to all three credit reporting agencies Experian, XXXX, and XXXX about the inaccurate information on my report and explained to them that they are continuingly violating Title 15 US Code 1681 and 1692 by not removing those inaccurate items from my report and they continue to disregard my request with investigations that haven't been properly carried out! Because of this negligence they have caused me Damages and Hardships that I don't deserve causing me to go into poverty!
Consumer complaint received 2024-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

According to Aidvantage, I still have XXXX payments of $ XXXX left with a principal balance of {$1700.00} at 6.5 % interest. I have already made XXXX of XXXX payments and am questioning why I still owe approximately {$6000.00} on this loan. I am not getting a response regarding my query.
Consumer complaint received 2022-12-03
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: SYNCHRONY FINANCIAL (TX)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for purpose.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to XXXX XXXX XXXX it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant XXXX XXXX XXXX ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/year> using my mobile app taking pictures of a check from XXXX XXXX  {$3400.00} on a digital card from Capital One and they have refused to explain why it's being held up and if there's a problem why not release my check so as to take it to XXXX XXXX. Refuse and evasive and even rude. 
The check was sent to XXXX XXXX  by the United States Treasury Department for me XXXX XXXX XXXX. I also have {$200.00}, on another card. I would request that my funds be sent to my XXXX XXXX XXXX account please and close Capital One account and delete my information.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (GA)

XXXX XXXX XXXX XXXXXXXX, XXXX. is the XXXX XXXX for XXXX XXXX Services who allege that I owe them a debt. XXXX XXXX XXXX is the authorized agent who signed the XXXX XXXX XXXX  between XXXX XXXX XXXX XXXX, XXXX. and Discover Financial Services making her responsible for securities transactions made to Discover Financial Services. I tendered payment in the form of a Registered Security mailed Registered Mail to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, MN XXXX ( Executive address listed on the Form XXXX registered with the SEC ) along with fiduciary instructions to settle the alleged debt owed to Discover Financial Services XXXX This packet was mailed on XX/XX/year>. Registered mail # XXXX. 
It was delivered to the address above on XX/XX/year>. To this day, I have yet to receive a response from XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, nor Discover Financial Services in regards to my Registered Security. My account has not been credited in the amount of the security ( {$39000.00} ) nor has the security been properly dishonored and returned to me. So I'm not sure whether the Trustee performed her duties and Discover is choosing not to credit the account or if the security was just stolen because they think I don't know my rights and won't pursue this matter all the way to XXXX court. This constitutes mail and securities fraud. UCC 3-301, UCC 3-309 , UCC 3-409, UCC 3-603
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Subject : Dispute of Credit Reporting Inaccuracy Account XXXX in XXXX  To Whom It May Concern, I am writing to dispute the reporting of my XXXX XXXX  account, number XXXX, which is inaccurately reflected in my credit report. This account was included in a XXXX XXXX XXXX filing, which was fully XXXX on [ Date of XXXX ]. According to the final decree, this account should correctly show a status of " XXXX in XXXX  '' with a balance of {$0.00}. 

Details of the Current Reporting Issue : Reported Information : No Data Required Correction : Status updated to " XXXX in XXXX '' In compliance with the Fair Credit Reporting Act ( FCRA ), I request that CBNA conducts a thorough investigation into this matter and corrects the status of the aforementioned account to accurately reflect its status as XXXX. Attached to this letter are copies of the XXXX  discharge documentation, including the court decree that substantiates my claim. 

Please ensure the account status is updated in your records and notify all credit reporting agencies of this correction to maintain the accuracy and integrity of my credit report. 

I would like to receive written confirmation of this letter 's receipt and be updated on the status of your investigation. Furthermore, upon the resolution of this dispute, I request an updated copy of my credit report from your institution to verify that the corrections have been applied. 

Thank you for your prompt attention to this matter. Should you require further information or additional documentation to facilitate your investigation, please do not hesitate to contact me using the contact details provided above. 

Sincerely,