davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IN)

Incorrect information from first rep that was corrected by second rep, main issue is actually a complete lack of communication about status of application and how to complete next steps via email which is dragging out the process and making me accrue further interest ( once on the XXXX plan I applied for, interest would stop accruing altogether ). 

- XX/XX/XXXX : Submitted application for XXXX plan through XXXX  - XXXX : Processed and sent to Nelnet - XX/XX/XXXX : Received a billing statement from Nelnet via email - XX/XX/XXXX : First saw message about payment being required to finish processing application ( no other details such as amount or why ) on Nelnet website ( had not checked website in a couple of weeks, no telling when it first appeared ), message implied correspondence with directions via email or regular mail had already been sent but I have not received anything in my inbox, spam, or mailbox - XX/XX/XXXX : Called Nelnet for details and was told to pay at least {$5.00} in order to finish processing application because of switching from XXXX to SAVE - XX/XX/XXXX : Made a {$5.00} payment on Nelnet site just as told, received confirmation email - XXXX : Checked Nelnet website for status of application to find another message about payment being required to finish processing ; this one says they will be sending correspondence with directions via email or regular mail ( see attached ) - XXXX : Called Nelnet, was told that I have to wait for the aforementioned correspondence before they will accept a payment to finish processing my application, not given any indication when that would be; was also told that any interest that accrues while I'm waiting will not be waived From digging online, I've found out that there is a special link in the correspondence for the payment, and that they will also not accept the payment over the phone. Since the beginning of September, over {$600.00} in interest has accrued and more is added every day they don't send this link. The only correspondences I have received from Nelnet have been the billing statement and payment confirmation listed above.
Consumer complaint received 2016-05-02
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (AR)

On XXXX XXXX th my husband and I went to the ATM at XXXX XXXX in XXXX XXXX, Ar to withdraw {$500.00} from my Bliebird American Express the ATM did not dispense the money but withdrew {$500.00} off of my card. On XXXX XXXX I opened a dispute form with my XXXX AMEX I submitted documents from XXXX XXXX and XXXX that agreed with my dispute. On XXXX XXXX the denied my despute and closed the case. Stating I received {$500.00}. I reopened my dispute as of today XXXX XXXX 2016 I still have not received {$500.00} I call on a daily bases with no resolution. I have even emailed the XXXX of Bliebird AMEX on XXXX XXXX 2016 and I have yet gotten any response. XXXX. My electric and water have been shut off and have been forced to sleep on a friends couch. I have no groceries and my parents have had to feed myself and my family. {$500.00} might not matter to anyone but it 's a huge matter to me. This {$500.00} has turned into over {$1000.00} that I some how have to figure out how to pay back to people. I can be reached at XXXX XXXXXXXXXXXX please I am desperate from some help or if you are unable to help can I please be notified as well. This is embarrassing and extremely depressing. Again I can be reached at XXXX XXXXXXXXXXXX Thank you for your time XXXX XXXX I can provide all the documents that I have confirming my claim
Consumer complaint received 2019-05-23
Product: Credit card or prepaid 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: CITIBANK, N.A. (VA)

I initiated a chargeback with Citibank for a merchant charge with XXXX XXXX. Citibank 's reversed that chargeback, but refuses to provide me with the specific guidelines they use to make chargeback determinations In my conversations with Citibank, I have been urged to initiate another dispute for this matter. In support of my new dispute, I, or and/or my attorney will need the guidelines used by Citibank investigators to permit or deny disputes. As a law enforcement officer, in order to take enforcement action, I must follow written rules. Citibank must also follow certain guidelines. It is not a reasonable request for myself or my attorney to initiate the new dispute that Citibank has requested without being completely privy to the guidelines Citibank claims to be following in it's decision making process.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (TX)

Chime states they pay 2 days early. The way it normally works, my payroll processes and I am credited in my Chime account 2 days later. On XX/XX/21 my payroll processed. I had {$100.00} set up on direct deposit with Chime and the funds posted in my Chime account on XX/XX/21. Since that direct deposit was successful, I tried again because I have a disconnect notice for my lights on which I am on a deferred payment plan and can not be late with my payment. I scheduled {$270.00} to deposit to Chime who said the only day they were not processing was XX/XX/21. My payroll processed on XX/XX/21. Chime states Friday XX/XX/21 was not a bank holiday for them. Here it is XX/XX/21 and I still do not have my funds available in Chime. I called and customer service knows nothing only tells me what I can see, the money is not there. I am being told to call my job and I confirmed a direct deposit for {$270.00} was processed to go to Chime on XX/XX/21.
Consumer complaint received 2015-08-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

We purchased our home located in XXXX, Washington in XXXX of 2010. The title search revealed no outstanding mortgages on this property, so the previous owner, XXXX XXXX, walked out of the title office with a check for the full proceeds of the sale. 

Shortly after we moved in, XXXX began leaving envelopes on our doorstep addressed to the previous owner that came from XXXX home retention department. We immediately contacted XXXX XXXX and they reran the search and again came up with no record of any liens on our property. 

Several months passed and notices began to appear at our door to contact Green Tree Servicing. Unfortunately I was told that unless I had permission from the long since vanished previous owner, they would not talk to me. I did have XXXX representative at XXXX time tell me that they owned our home and that we should contact XXXX County and ask them about the missing deed of trust. 

I contacted XXXX XXXX and they agreed to open a claim against our title insurance in case Green Tree attempted to foreclose. XXXX further research revealed that an out of state title company recorded the deed in XXXX County, making it null and void according to XXXX claims attorney. A phone call to XXXX County also revealed that XXXX County notified the title company, but this title company failed to refile in XXXX County. The State of Minnesota eventually shut this title company down. 

We then began to have representative from Green Tree 's local foreclosure contractor ( XXXX XXXX ) ring our doorbell asking for the prior owner and leaving the same " contact us '' pamphlet behind. Eventually they quit showing up and no foreclosures were initiated. 

Apparently Green Tree has n't completely given up. For the past several years they have continued paying half of our property taxes. Our own bank pays the first installment and so does Green Tree. I contacted the County to find out who has made this year 's first tax installment and it once again was Green Tree Servicing. XXXX XXXX still has an open file, but Green Tree refuses to talk to them as well.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2017-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I am extremely frustrated with Ditech. We have been faithful on our home mortgage for over 10 years now. We have never been late. Ditech has misplaced our payments causing me to go through grueling straints to prove we paid the amount and for them to find the payment. They have ceaced applying my monthly payments to our account and are repeatidly sending me loss mitigation paperwork. But, I have never been late on our payment. At current it shows I am almost {$9000.00} in the hole, yet when I contact them they state they have received my payments every month! They are not applying the payments to my account though. I contact our " account representative '' only to have to leave a message that is never returned. I am forced to make phone calls to them on a monthly, if not more frequent, basis. I am afraid my excellent credit score is being damaged by their mishandeling. I am past frustration and feel stuck. I do not know what to do and they ca n't seem to get their business straight.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NRA Group, LLC (TX)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2016-02-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (MD)

Hello CFPB, I am sending you this dispute as attempt to resolve an alleged debt matter with a collection agency by the name of Commonwealth Financial Systems also known as Northeast Credit & Collect. I review my credit reports on a monthly basis 's to ensure accuracy. In XXXX I reviewed my credit report and discovered XXXX accounts reporting from Commonwealth Financial System, The accounts are reporting as follows. 
1. Commonwealth Financial, Account Number XXXX, Balance {$450.00} 2. Commonwealth Financial, Account Number XXXX, Balance {$74.00} 3. Commonwealth Financial, Account Number XXXX, Balance {$990.00} On XXXX XXXX, 2015 I sent a request for validation to Commonwealth Financial Systems requesting for validation. XXXX has passed and I have not received any communication from the collection agency regarding my claim since I discovered the collection items on my credit report and did not receive any initial notices from them regarding any debt being owed. On XXXX XXXX, 2015 I sent a XXXX request for validation via registered mail to Commonwealth Financial Systems which was delivered on XXXX/XXXX/2015 at XXXX XXXX tracking number provided by USPS is XXXX. According to the Fair Debt Collection Practice Act 809 ( b ) the collection agency must provide validation of the debt that they are claiming to be owed. Not only has Commonwealth Financial Systems Failed to notify me of the debt owed. My request for validation has been ignored and they continue to collect on the debt before providing validation by continuing to report this debt to the credit bureaus [ 15 USC 1692g ] 809 ( a ). 
Commonwealth Financial Systems had sufficient amount of time to provide me the validation request. I am requesting that all three of the above accounts be removed from my credit reports with XXXX, XXXX and XXXX XXXX, Failure to remove the accounts I will consult with my attorney for who specializes in suing debt collectors for FDCPA violations. 

Sincerely XXXX XXXX
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MN)

When I originally opened this account, my due date was set before I ever received and electronic or physical information to create an online profile. When I did get my account information, I already had a late fee. I had to work with them to get this waived and adjusted. 

6 months later my primary bank replaces all my debit cards for a information security breach and effecting this payment. I called to correct the issue but now it was to be processed 1 day " late '' because an EFT takes 3 business days for them to credit you account, causing it to be a day late and they were going to add a fee again. Once again had to get an exception for something out of my control. 

Today I received a collection call at XXXX am local time from them for a amount due yesterday. I tried accessing my account online and had to reset my password. It locked me out and I could not get anyone via phone to make payment due yesterday ( Sunday ) after holding 2 hours. Once again late fees were assessed and they refused to waive them because since I had already been waived fees. Not only was I not provided a regular account manager/agent, I was sent to a collections department. 

This is a 0 % financing dealing and as soon a you are " late '' they get to charge interest on the whole financed amount. They are intentionally making it difficult to make payments, get a hold of them, or remedy any situation not caused by yourself ahead of time on time in order to create false breaches in contract language in order to start charging interest and fees. 

If you set up auto pay they take the money several days prior to the due date. They are playing a float and games in order to profit unfairly. They also violating Fair Credit and Collection Practices by frequently calling ( several times in a day at my work ), calling before and after acceptable times on amounts less than 24 hours past their date. It requires a formal letter to put me on a do not call list. 

I paid this account off in full immediately, but once again it requires formal letters or online access, social security numbers, etc to close the account. The account they had pulled up and were looking at to collect! Ironically they could not provide me a written, emailed or texted confirmation of payment and was told to wait for may monthly statement. 

This bank if not consumer friendly and is praying on people with easy approvals and high fees and interest charges with predatory lending practices created so you will violate their terms to maximize these fees and charges.
Consumer complaint received 2019-05-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Santander Consumer USA Holdings Inc. (CA)

On or about XX/XX/2018, while I was 39 weeks XXXX and at XXXX at a doctors appointment, my leased car was repossessed while parked in the XXXX parking lot. I had always made full payments and always paid my lease whether I was late or not. I called XXXX XXXX XXXX in XX/XX/2018 and explained that I was interested in an early termination lease due to a significant life changing event ( giving birth to my first born ) as outlined in contract under terms of early termination. My concern was I didnt feel the XXXX XXXX was safe enough for my baby and the car seat didnt fit in the back seat correctly due to the narrow space in back seat and having to install car seat rear facing per law. Chrysler Capital said I couldnt do that. My due date was fast approaching XX/XX/XXXX while my lease was up On or about Late XXXX or XX/XX/2018. However, again on or about XX/XX/XXXX my car was repossessed with all my belongings to include new infant car seat, hospital bag, stroller, and personal belongings while I was due at any minute. The suffering, pain, and emotional stress caused was so overwhelming as imaginable. XXXX XXXX refused to let me lease/own a new vehicle in exchange of terminating my lease early per terms. I had a valid reason and significant life changing event to justify why I was seeking an early termination but XXXX XXXX discriminated against me for being XXXX. XXXX XXXX had no regard for my necessity or well being and charged off my account sending me a bill for excessive thousands of dollars while I only had 4 months left on lease! XXXX XXXX refused to allow me to terminate my lease for my life changing event. That is appalling as a consumer, single mother, and XXXX XXXX. I did not break my lease! XXXX XXXX did by not allowing me my rights per terms on contract.
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Ditech took on our mortgage from another company a little more than a year ago. We are never late on payments for any bills and have had an account in good standing since this mortgage 's inception XX/XX/2014. In the last several months, Ditech has halted my ability to make automatic payments or online payments and charge fees for all other payment types ; deducted mortgage payments twice from my account ( taken out double what is due ) in two different months ; received authorization to collect payment over the phone and fail to take the payment ; reported to the credit reporting agencies that we were late on payments ( we were not ) so that I had to report them to the credit agencies ; sent collections people to our house in error multiple times ; refused to give us a record of our calls or proof that we are an account in good standing ; lost track of how much we have ( and should have ) in escrow ; and increased our monthly payment from about {$1000.00} per month to about $ 2400 monthly stating that they incorrectly accounted for property taxes. We have been diligent in following up with them monthly and this nearly five month saga is still ongoing.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2019-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: AMERICAN EXPRESS COMPANY (OR)

USA agenda Adversary in the divine court room XXXX will turn our darkness into light C/ LCDR XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX to the Assistant Secretary of the XXXX ( Energy, Installations & Environment ) O : XXXX C : XXXX DSN : XXXX
Consumer complaint received 2016-06-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I was contacted by an individual who told me he was the IRS and that I had a warrant for my arrest and if I did not pay him money that I would immediately be arrested. He told me I was not allowed to contact a 3rd party about the issue or disconnect from the phone call we were on or I would be considered uncooperative. He then instructed me to go to the nearest XXXX and buy XXXX {$500.00} prepaid XXXX gift cards to pay to have my warrant lifted so that I may begin a payment plan for the nearly {$6000.00} that he said that I owed. He gave me a badge number as well as other professional sounding information. I ended up doing the first {$1000.00} in cash because he told me to go to the bank first. I did the other {$1000.00} on my Regions bank debit card. I finally got fed up when they said I had to pay the entire thing in full and told them I will just have to go to join because I do not have it which I did n't. I was very scared when this was happening. I hung up the phone and went immediately to get my boyfriend from work and told him about what had happened. He told me this had to be a scam so he told me to go to the Regions bank to have them put a stop payment on the {$1000.00} since I actually used my card.When I got there they told me I was the 3rd person this week alone that had came in with the exact same story. He said there was nothing that they could do. I then went to file a police report with the economic crime unit at out jail/ police station where they told me this is an ongoing scam and that it has been a very active one recently. They gave me instructions on what steps to take about my identity and to try to get back the money I lost. When I called the fraud agency they instructed me to file this complaint and that this was indeed something you guys could help me with due to the nature of the fraud. The economic crimes police report is # XXXX their contact n # is XXXX.
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you