davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

Beginning prior to  XXXX / XXXX / XXXX , I 've been writing and Disputing Ocwen Loan Servicing, LLC, regarding numerous descriptions of charges on my Payoff Quotes. I 've included sever al Payoff Q uotes for you to examine and review to make sense of any of them.     The most recent PAYOFF QUOTE valid through  XXXX / XXXX / XXXX  includes {$5600.00} for interest due, {$2900.00} for escrow advances, {$67.00} for property inspection fee, {$110.00} for Projected Property Valuations Exp, {$120.00} for a BPO and so on.     Eac  h Payoff Quote differs.
I dispute all of the above amounts and for each year Ocwen made an Insurance payment on our behalf, they were charging us twice the amount of the policy, as the policy is   written for  XXXX  homes ;  XXXX  &  XXXX   XXXX   XXXX   XXXX , not  XXXX  ;  XXXX   XXXX   XXXX  paying the total.     This property is slated to close  XXXX / XXXX / XXXX  and I wish to have a correct Payoff Quote forwarded to  XXXX   XXXX  and myself, to ensure I will not be forced to over-pay my mortgage to provide Clear Title to the Buyers of  XXXX   XXXX   XXXX   XXXX .
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (GA)

I am writing to dispute the following information in my file. I recently received a copy of my credit re ports (  XXXX ,  XXXX , and  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n ot be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order Please rem ove these inquiries from my credit reports immediately.
Consumer complaint received 2024-10-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

I initially took out a private loan in XXXX or XXXX from Sallie Mae which has since become Navient to attend XXXX University ( school no longer exists ) in XXXX, MN. My grandfather who has since passed away cosigned on the loan for me. I made steady payments on the loan for a few years and not only did the loan amount never decrease, it has increased over time. I then saw that a lawsuit was brought against Navient and was able to see a list of schools that were in connection with the suit. XXXX XXXX  was on the list. I called to inquire about it, and they were not forthcoming with information on how to get this loan forgiven. I understand that the customer service rep would not be encouraged to tell me how to get my loan forgiven but this loan has been hanging over my head for XXXX years. I would like some guidance on how to get it forgiven, I can not afford the payments and the constant phone calls and threats to contact my employer are becoming worrisome. I'm looking to see if there are any options to get this loan forgiven.
Consumer complaint received 2017-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

As stated in  Wells Fargo   XXXX   XXXX ,  2017 letter : SEE ATTACHED LETTER " Subject : Stolen bank transactions with your name and ac count number We want to let you know  Wells Fargo  Bank transactions were stolen on  XXXX   XXXX ,  2017  from  XXXX   XXXX , Florida while in transit to our service center. The transactions included check  ( s  ) issued by you .... '' I might add that my check also included my home address. Except for putting the onus on me to prevent identity theft or other fraud,  Wells Fargo offered no assistance. I find this stunning and irr esponsible!     I tried to discuss this matter with  XXXX , a customer service supervisor, who refused to provide his last name and hung up on me when I asked why he would not provide it. This rudeness obviously exemplifies the  Wells Fargo  culture and pure lack of concern and care for customers!     I look forward to hearing from you. Thank you.
Consumer complaint received 2017-05-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (PA)

I received a screenshot from mother of a letter she opened in the mail stating that they demand payment in full of all principal, interest and any outstanding fees. At the bottom of the letter it says call us to make payment arrangements. I called their customer service and was asked to verify my information with them which o nly 1 of the 3 contact pieces they had were correct. My address seemed to be right in their system yet I have never received any correspondence from them about my student loan. When I called I was told that the letter demanding payment in full was not true and they tried to apologize for that being sent to me and also told me they have no payment arrangement options available except for forbearance ( but only if you are a certain number of days late ) otherwise they have no other ways to assist a borrower with making payments and coming current. So basically the letter I received was not right and they had no way of pulling it up to confirm that with me. I am frustrated because no one in the company knew the differenc e between payment arrangements and forbearance when I tried to go into detail about what could be available to me. I got no help and was told to look at my promissory note ( that i signed in  XXXX  ) and see what options are available to me under that if any are or if my loan defaulted that it would go back to citibank and they would come after me. ( THIS COMPANIES NAME IS   XXXX   XXXX   WHO NOW SERVICES AS OF  XXXX / XXXX / XXXX   XXXX  STUDENT LOANS )
Consumer complaint received 2017-05-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TFC Group, LLC (CA)

On  XXXX / XXXX / 2016  I received a title loan in the amount of {$2500.00} from  XXXX   XXXX   XXXX   XXXX . The contract I signed states the total of payments made will be {$830.00} but the annual percentage rate states 111.710 %. The numbers are not making sense and the lender is tying to force me to resign a new contract. The federal Truth in Lending Act Disclosures are part of the contract agreement but the numbers in the contract do not make sense. Please help me resolve this issue. The contract was never signed by either parties.
Consumer complaint received 2017-05-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (GA)

I received this threatening voicemail Saturday XX/XX/2017 at XXXX from XXXX XXXX who did not state his first name, representing Commenity Bank . I did not delete the voicemail and I also went on to save it as a voice memo to have on file that this is definitely a threat. I have consulted my colleagues who are Attorney 's in addition to a representative of the FTC who did state that Yes! That it is a threat and that that is against the law. I would like this matter resolved by Commenity Bank removing whatever information they have in my name, to never contact me again, and for them to provide validation, competent evidence bearing my signature that I have ( or ever had ) some contractual obligation to them. The threatening message went on to state : Good afternoon, This message is for XXXX XXXX XXXX. XXXX my name is XXXX XXXX calling with Commenity Bank and right now I do need you or your representing attorney to return my call immediately. This is regarding your XXXX sir. It is imperative that you or your attorney contact my office today to go over the options and the programs available to help you get this taken care of and to stop further escalation. I can be reached at XXXX ext. XXXX. XXXX XXXX please be advised that I 've documented this call as proof that you 've been notified of this critical matter yet again, so without your prompt response sir I may be forced to make a decision that will impact you directly. Again my name is XXXX XXXX, I could be reached at XXXX ext. XXXX.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Informative Research (GA)

I am writing to dispute the following information in my file. I recently received a copy of my credit reports ( XXXX, XXXX, XXXX ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all XXXX credit bureau agencies because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
Consumer complaint received 2017-05-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Initial Complaint :  XXXX  Response : Dear CFPB, I did not receive any calls from  XXXX . I informed  XXXX  that my cell phone was stolen and provided them with an alternate contact number. They could also have direct messaged me through  XXXX . I contacted  XXXX  numerous times with calls and direct messaging. I was told to call, but when I telephoned, I was transferred repeatedly and consistently to numerous departments with no help or answers. If I visited  XXXX  multiple times, it was to open accounts for my  XXXX  children or to address  XXXX  money being transferred to them, not for my own personal use. I had to file a complaint to get them to talk to me.     First, I left my purse on the counter while shopping during  XXXX  Friday, but it was later returned. Secondly, my van was broken into and my phone, purse, and personal items were taken. A couple of my cards were compromised. As a result, I looked further into my accounts.     I confused this card with a  XXXX  card and application. I explained to  XXXX  that I had no knowledge of the account or card when I telephoned and needed to close it. Why would I go through all of this for {$35.00}?     I have slowly been transitioning to my new home at  XXXX   XXXX   XXXX  in  XXXX ,  XXXX  while it is being renovated, so I havent fully changed my address yet.     Regardless, derogatory information was reported to the credit bureaus while this issue was supposedly under investigation. I was told that the first investigation was inconclusive. Negative information should not have been reported to the credit bureau if the credit card account was under investigation, and I was not aware of the results.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TN)

XXXX  2017 , Navient formally   XXXX   XXXX   repo rted incorrect information to all  XXXX  credit bureaus causing and major drops in my scores. Trying to correct an issue with this company is impossible. The school that these loans were used filed bankruptcy, should n't there be something I can do?
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OH)

My mortgage got transferred to Nationstar Mortgage in XXXX 2015. This company is now accusing me of non-payment and arrears and have reported to the CRAs 15 times for none or late payments. My bank and I have proof of payments on my bank statements. No payments have ever been missed. This company has totally messed up my credit and caused me two years of stress and heartache. I  automatically pay my bills every two weeks without fail. In addition I have contacted the company many times without fail and most of the people are rude and tell me Just pay it! If you get someone who tries to help you, you end up getting another letter threatening to take your home. I cant believe them anymore because they have lied so many times I thing they are scamming.
Consumer complaint received 2015-11-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My home equity loan is being reported as unpaid, late, and and still open. This account was forgiven by Bank of America due to the lawsuit from the Department of Justice. The account is damaging my credit score drastically and I have sent letters to Bank of America twice.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

From the dates of XXXX I have over 20 unauthorized transactions from my chime account to a closed step.com account. Once I noticed all of the transactions I contacted chime and started my dispute I was told that since they were unauthorized the chime disputes department would be doing an investigation and I would be receiving my provisional credit within 10 business days. A couple days later dispute denied because no error was found and I reached out to support via email and told them that was wrong and that in fact an error did occur because I didnt make or authorize the transactions so support created a rebuttal and said that I can request the paperwork they used to reach the decision on my claim and again once the rebuttal has been filed I would be receiving my provisional credit within 10 days. Once again dispute denied and same thing again I reached out to support another rebuttal was filed and 20 days later after the initial denial I got the paperwork that was used to determine the denial. I found no evidence on that paperwork that would suggest that they did a proper investigation all the did was pull my transaction history well a more detailed transaction history nothing in said paperwork was from the merchant at all. Today XX/XX/2023 I was suppose to be getting my provisional credit and they wait until not only the 10 day but wait until after I call to ask them what time should I expect to receive the credit to send me an email stating they made a final decision and I can contact them to get the paperwork used to make that decision. I dont know what else to do or say to these folks to get my money back. I dont understand if I was told the system was processing my credit to my account why would they send me a email saying they are closing the dispute. I dont understand why they cant give me a fair investigation I have been with chime a very long time and havent ever had any problems until now.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I have written to XXXX, Equifax, and XXXX, providing all 3 credit bureaus with an update of my personal information -- -correct name -- - XXXX XXXX XXXX XXXX -- -and correct address XXXX XXXX XXXX XXXX. # XXXX, XXXX, AZ XXXX. 

I have also instructed the same bureaus to delete any other addresses appearing on my credit report as these are incorrect and potentially make me liable for fraud. XXXX and Equifax ignored my request entirely ; and XXXX stated that they would place a fraud notice on my account, when deleting all incorrect addresses and name variations would be sufficient. 

Additionally, I have provided sufficient identifying information -- - a CURRENT driver license -- - and a copy of my social security card.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (GA)

Deferment was supposed to be backdated to when payments where missed according to the customer service representative. The dates are XXXX, XXXX, XXXX, andXX/XX/XXXXI requested my credit report on XXXX XXXX XXXX and noticed 4 missed payments on my credit report. The company keep giving me the run around everything I call. I have decided to reach ou to the CEO of NELNET. I was going through XXXX XXXX during that time but applied for a deferment that was supposed to be backed dated to the missed payments. My account was in good standing before and after those 4 late payments appeared that are n't supposed to be there.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

Comenity Capital Bank : They continue to not process payments on time on promotional balances which causes for promotional balances not to be paid down and thus create new deferred finance charges.     Bank on  XXXX / XXXX /  XXXX   {$430.00} was paid off and it was in full so the balance reflected was  XXXX . They stated it was not paid on time and processed  3 busi ness days later so they added {$290.00} in deferred interest on my account creating a balance from  XXXX  and PAID OFF to {$290.00} plus now interest on top of that.     I work abroad 9 months out of the year and also in the reserves and they notified me since it was NOT within 5 days of notifying them, they will NOT reverse the charges which is ludicrous.     When you pay in full, get confirmation from my own bank, get a confirmation email f rom Community indicating the  payment was made while looking at the current live balance at that time in late  XXXX    XXXX  , you know its " paid off '' with a "  XXXX  balance. '' How or why on earth should I look or anticipate any problems. I just returned from being overseas for work after numerous weeks abroad and just opened a bill this morn ing (   XXXX   XXXX ,   XXXX    ) to m y surprise.     They should immediately quit these practices and since this credit card no longer can purchase any motorola products, I want this to reflect a  XXXX  balance like it was in late  XXXX    XXXX  , and move forward.     They always intentionally try to hurt the " little guys '' and their bullying and illegal tactics should cease! I spoke to both  XXXX  and  XXXX   XXXX  and both did nothing ...     Now, they want me to mail them thru regula r US  MAIL, and wo n't give me any EMAIL.      XXXX   XXXX   XXXX
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Revenue Assurance Professionals LLC (TN)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX  Consolidated Recovery Systems  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , TN  XXXX  This company has filed multiple false reports to my credit files under different names. The do use the name above and at times they use the Name Revenue Assurance Professionals, and sometimes they use the name  Consolidated recovery Group , LLC. This company refuses to abide  by the FCRA and will not remove false information under all the names that they have submitted reports unders. Attached is a document filed in  XXXX  of   XXXX   and the false information is still showing on my credit reports under the first  XXXX  names listed : Date  XXXX   XXXX ,   XXXX   Consolidated Recovery Systems   XXXX   XXXX    XXXX   XXXX , TN  XXXX   XXXX  : Account Number  XXXX  Consolidated Recovery Systems is hereby notified under the provisions of public la w 95-109, Section 805-c.  The Fair Debt Collection Practices Act, to hereby CEASE AND DESIST in any and all attempts to contact me  XXXX   XXXX  concerning the above debt.   This letter is your legal notice under the above-mentioned FEDERAL LAW that regulates the activities of collection agencies and their legal representatives. The failure to CEASE AND DESIST as directed in this letter will result in charges being filed against Consolidated Recovery Systems with both state and federal regulatory agencies empowered with enforcement of the above-mentioned federal law.     Consolidated Recovery Systems is further warned that NO DEROGATORY information is to be placed on any credit report and any information on any such report placed by Consolidated Recovery Systems is to be immediately deleted after receipt of this certified notice, or charges will be file through my attorney against Consolidated Recovery Systems.     It is my firm decision not to recognize or work with Consolidated Recovery Systems concerning this matter. I have no debt with Consolidated Recovery Systems.