davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

To Whom It May Concern, We have been trying to process a short sale on this property with Carrington Mortgage Services ( servicer ) and XXXX XXXX ( investor ). After the interior value was completed, we received a message asking for {$270000.00} net to entertain the option for a short sale approval. We provided evidence to the servicer and investor of the current condition of the property that is not being considered on the current value. The property shows signs of the following issues : 1. MOLD 2. Leak on the foundation causing damage to the foundation and humidity ( Mold ) 3. Electrical and Plumbing system are outdated and could represent a hazard The investor ( XXXX XXXX ) replied back to us that they require a {$270.00} net offer to move forward. We understand that they are not required by law to proceed with a short sale option, but we believe that this type of investor are abusing their power and the lack of regulations against this market makes easier for them.This a very common practice from this particular investor ( XXXX XXXX ) managed by Mr. XXXX XXXX, they overprice their properties to get the home owners out with a foreclosure. we believe these type of practices should be regulated by the federal government to avoid this type of abuse towards the people on a default situation that are trying to get a fresh start for them.
Consumer complaint received 2017-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AR)

I could not find the actually problem I am having on the list of problems. I am having a problem with their automated dialer dialing me sometimes up to 8 times a day. One or 2 calls a day with a voicemail would be suffice to let me know I missed my payment. In this case it was an accident, I forgot to log on and make the payment and although I am glad they reached out to me to let me know I owed them still, I am very unhappy that I recieved 8 phone calls withing a 24 hour period and when I did get home from work and was able to answer the XXXX phone call they hung up without an explanation. I consider this harassment. Edit : While typing this out I went to log back into my account. They had removed my phone number from the system. So now I can not log into my online account without adding my phone number back onto the account. This in turns gives them permission to call me. I am sure they removed the number after I complained about the number of phone calls I had received. Seeing that I have paperless billing with them and can only pay my bill online I now feel like I am being forced to accept them calling me every 3 hours in order to be able to use the card, or to pay it.
Consumer complaint received 2017-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Skagit Bonded Collectors, LLC (WA)

Well, when I fired off this FIRST EMAIL attached, I kind of half expected a RESPONSE to work things out. NOPE! The people at SBC, LTD, seem to think Im a nobody you can PUSH AROUND.
THEY SENT ME 12 MORE BILLS? 

I TOOK ON XXXX XXXX, XXXX XXXX, The US NAVY and WON EVERY SINGLE FIGHT. YOU ARE SMALL POTATOES compared to the FEDERAL GOVERNMENT. Dont believe me? Ask SENATOR XXXX XXXX who intervened on my BEHALF for XXXX XXXX. The LATE CONGRESSIONAL XXXX XXXX ( XXXX ) NY, INTEVENED for me in XX/XX/XXXX AGAINST the US NAVY. I TOOK ON XX/XX/XXXX ALONE in XX/XX/XXXX. 

I just filed a COMPLAINT with the WA AGs office, Im filing another COMPLAINT with the CFPB and a COMPLAINT with the FTC and contacting XXXX XXXX XXXX XXXX XXXX! Im going on SOCIAL MEDIA, XXXX and I HAVE A NETWORK OF OVER 30 MILLION PEOPLE on XXXX. 

I HEREBY FORMALLY DISPUTE ALL THESE and tell them to take the WA STATE COMMUNITY PROPERTY LAW and SHOVE IT UP their XXXX, AS FAR AS IT WILL GO AND XXXX XXXX XXXX! 

The WA STATE AGs response just came. 

-- -- -Original Message -- -- - From : XXXXXXXXXXXX [ mailto : XXXXXXXXXXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXXXXXXXXXX Subject : AGO Complaint XXXX, Thank you for contacting the Consumer Protection Division of the Attorney General 's Office. The consumer complaint you submitted through our online form was received on XX/XX/XXXX. Your complaint is very important to us and we have assigned it to a consumer resource center specialist for review. You will be provided with a complaint number and the status of your complaint within 5 business days. During times when we experience peak complaint volumes, it may take up to 7 business days for us to contact you with your complaint number and status. Thank you for your patience during this time. 

Please do not respond to this email address. The mailbox is not monitored. If you have questions, please contact our Consumer Resource Center at XXXX.
Consumer complaint received 2017-08-28
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: EQUIFAX, INC. (OH)

This is a Credit Reporting Company their job is to make your credit report available yo you. Their computer system software is totally inept. You are sent information to view dispute results when you go to this page it never loads your dispute results, there is always one error message or another. Have tried multiple times at different times of the day and night to accomplish said task. They are incredibly hard to get on the phone, all the time, only by tricking their phone system can you get to a live person. Their version of a credit report is nothing like the other two agencies, it is very hard to understand and read, it is excessively long compare to the other two. I have never ever been provided a score by Equifax. Getting them to do what they say they will and are supposed to do is very difficult. I have previously asked for them to be mailed and never received them, requested again today, but I have no faith in Equifax.
Consumer complaint received 2017-08-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I borrowed about {$2500.00} from XXXX XXXX onXX/XX/XXXX. I 've made payments of {$290.00} every month startingXX/XX/XXXX. I was late with a payment a couple of times and had to pay NSF fee of {$36.00} to my banker ( XXXX XXXX ) and a penalty to XXXX XXXX of {$15.00}. I am still in process of paying this loan off at the said monthly rate. I will have to pay these people until XX/XX/XXXX in order to pay off this debt.This is loansharking at it 's most despicable level in my opinion. I may not be able to get help with this but I wanted your agency to know about this type practice which is prevalent in lower socio-economic communities. XXXX XXXX is another and there are others. Regular banks will not lend money to less affluent people but they finance these loan sharks. The poor people need help. I need help. Please do what you can for us. Thank you. My loan number is XXXX.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The three credit Bureu still showing all accounts closed, paid in full, also have student loan closed due to my XXXX, please somebody help me I am so tired to leading with this problem. 
Cause me hard time and disappointed in my life. 
I need my credit back. 
Thank you very much XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-27
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: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX XXXX, Wells Fargo responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. They have failed to validate the debt of { {$1500.00} }. According to case law, a consumer contract or credit card statement is not sufficient evidence for debt validation. 

The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report to negatively affect my future consumer transactions and swindling me into making payments in order to remove the account from my consumer report. Again, I do not give you funding permission to report collections to account for { {$1500.00} } for account number XXXX to any of the credit bureaus. 

A Cease and desist notice requires the company to refrain from all collection activities according to the privacy act of XXXX. Failure of Wells Fargo to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.
Consumer complaint received 2017-08-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I have a student loan that was opened through XXXX XXXX Navient opened in 2003 account # I have a number of late payments that are showing up on my credit report from this loan and even yet still reporting 14 years later! These late payments occurred because Of False certification ( Ability to benefit ) I was XXXX at the time and when I went in for a school tour I was given False information and I was told I did not need to have my high school diploma or GED after I told them I did not meet the criteria. I was then giving an entry exam along with a cheat page that had all the correct answers to the test in order to pass it and for them to obtain financing for the loans. At the time I was completely unaware this was against the law and others same situations regarding charges against XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX changed name to XXXX XXXX XXXX Since then it has been extremely difficult to find a job in the field for which loans were taken out for because of no high school diploma or ged therefore putting me behind on repayment. I had to get government assistance to take care of my XXXX children and still struggling with getting back on my feet due to my credit history I am unable to get a house or permanently situated.I am not disputing the fact that these payments were late. I have worked extremely hard to get back on my feet and repair my credit. I am at a point now where I am attempting to buy a house. Having these late payments and prolonged 14? year old student loan dept on my credit report is making it very difficult for me to get financing for a home. I need these late payments and student loan reporting removed from all three credit bureaus. I have taken the time to educate myself on how to avoid this from happening in the future in hopes to better my life for me and my children.
Consumer complaint received 2017-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NY)

An XXXX buyer filed a fraudulent claim onXX/XX/XXXXseeking a refund with XXXX, alleging a " defective item, '' but XXXX denied his claim, finding in my favor. The buyer then apparently filed a chargeback with his credit card company ( via PayPal ) onXX/XX/XXXX and claimed it was a recurring unauthorized transaction. I assume he did this in order to deny me Seller Protection. 

OnXX/XX/XXXX, PayPal contacted me to tell me that the disputed amount of {$76.00} was debited from my PayPal account because of the following reason ( s ) : " This chargeback type was not covered under Seller Protection. '' I was also notified that " [ i ] n addition, you have been debited a {$20.00} USD chargeback fee. '' I had responded to the buyer 's PayPal claim with proof that this was an XXXX transaction and not an authorized recurring payment, including proof of his rejected XXXX claim for a refund. However, PayPal already knew that this was an XXXX transaction processed through their system, along with postage purchased through PayPal and a tracking number listed on PayPal. 

The buyer has fraudulent intentions and is manipulating the Seller Protection policies of PayPal. In addition, he still has the item he purchased in his possession. 
PayPal is aware of this and is denying me Seller Protection based on the language above, which is completely unethical and illegal. They are supporting the abuse of their Seller Protection policies and denying me my actual Seller Protection rights with full knowledge that I am entitled to such rights. 

In my case, PayPal has clear and convincing evidence ( even before I responded with my own proof ) that this is a transaction covered by Seller Protection, but they are using the buyer 's false chargeback reason to deny it to me. I have contacted PayPal management by phone and was told I can sue the buyer in small claims court ( in another state ) to try to recover the funds when I ultimately lose the case!
Consumer complaint received 2017-07-07
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: JPMORGAN CHASE & CO. (CO)

I made a purchase with a XXXX on XXXX XXXX 2017. The amount should have been {$79.00}. However, I was incorrectly overcharged by the company they charged {$190.00}. I have attached the advertisment for the wine ad below. My credit card company chase failed to do a proper investigation and sided with the merchant. The personalized advertisement clearing shows what was being purchase. Further I have attached a screen shot of the website where I made to purchase to show the price. Please help me resolve this issue and get my {$110.00} back. Just to note no corresponsedonce was sent by chase to get my side of the story.
Consumer complaint received 2017-07-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Corporation (GA)

I have made numerous attempts to Receivables Management Corporation located at XXXX XXXX XXXX, XXXX XXXX, XXXX SC XXXX to validate my alleged accounts with them after receiving threatening and harassing phone calls. My request for validation is responded to with form letters stating they have no duty to provide verification. <P/>This company is in direct violation of the FDCPA. I have requested the account be returned to the original client for further validation, but they have refused. <P/>XXXX is stating I have an outstanding balance of {$2700.00} from XX/XX/15.
Consumer complaint received 2017-08-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Mortgage LLC (FL)

On XXXX we made an offer on a short sale in XXXX, FL. OnXX/XX/XXXX I contacted XXXX/Finance of America concerning mortgage. Throughout the months ofXX/XX/XXXX, XXXX andXX/XX/XXXX we provided requested documentation to lender, some multiple times. Lender received notification short sale was most likely a go and wanted to close on XX/XX/XXXX. Loan Processor, agreed to the closing date. On XX/XX/XXXX we received notification the short sale had been approved. We submitted termite inspection, home and flood insurance proof ( an estimate of this cost was submitted in mid-XX/XX/XXXX ), soon after we had final approval of the short sale and was aware of the closing date.XX/XX/XXXX came and went with no closing, we finally closed onXX/XX/XXXXand assessed a late fee of {$2200.00}. We did open a credit account at XXXX 's for {$2000.00} for purchase of a washer and dryer onXX/XX/XXXX. 
I am attaching correspondence we have had with Finance of America and emails between the closing agent and Finance of America
Consumer complaint received 2017-07-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY ()

I am an American living in XXXX. Every month I transfer money from my TD XXXX Trust ( XXXX ) account to my TD Bank ( USA ) to pay my student loan. TD Bank charges {$15.00} USD for this transaction, but because of the account I have the transaction fee is supposed to be waived. TD Bank also charges {$15.00} USD per month for the checking account, but this fee is waived because I maintain a balance of {$100.00} USD. <P/>Last month, unbeknownst to me TD Bank charged me the wire transfer fee. Next, when my student loan was debited from the account, it caused my account to be charged the {$15.00} maintenance fee. Thus, TD Bank wrongly charged me {$30.00}. Upon discovering this error I called and was able to have the fee reversed after an hour of being passed around on the phone. <P/>This month I can see that they have again charged me the {$15.00} transfer fee. From my TD XXXX Trust account I can only see the total of my TD Bank account -- I can not see all transactions -- but I can see that it is {$15.00} short. When I try to log into my TD Bank account to see the transactions in detail I am now locked out of the account. When I called to get the account unlocked they refused and implied that I am an impostor or identity thief. <P/>Next, I had to go to a TD XXXX Trust branch to show them my I.D . The employees at TD XXXX Trust said they would try to call TD Bank, but the issue has yet to be resolved. <P/>TD Bank is trying to defraud their account holders of fees. More so, TD Bank is trying to make it difficult for account holders to discover their " mistakes '' and have them corrected.
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitol One closed both of my credits cards due to 1st party fraud, even though they put me on a payment plan to help with payment. Since I was struggling to make the payments. Due to the fact that I am recovering from a XXXX XXXX to have XXXX XXXX  of a XXXX XXXX removed. Do to the XXXX I have XXXX  issue 's and forgot to give the my new account number.. So they were not receiving payments from old closed account. When I realized what was going on I called to give the new account number. After taking 2 payments on the cards, they then proceeded to tell me thew accounts were closed. No emails, no notification of any kind.. I told them I was n't making payments until this was dealt with. They have taken 3 payments since..
Consumer complaint received 2017-08-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TN)

XXXX sold my loan to Nationstar Mortgage recently. I received a letter ( paper ) with the new, pertinent information ( e.g. new loan number, instructions for setting up an online account etc ). 

When I went to the directed URL online to setup the online account - I was, very surprisingly, redirected to a NEW website called XXXX XXXX. On this new website there is NO mention of ANY affiliation to Nationstar Mortgage. 

Having worked in computer security for over 20 years - I was very suspicious of this website - again, as there was no mention of the affiliation to Nationstar ( a best practice in these situations ). 

I proceeded to setup the account - entering the new Loan number and last-4 SSN. It then took me to a page requesting my COMPLETE SSN. Again - this is HIGHLY suspicious behavior and a favorite trick of scammers/phising/social engineering hackers. 

Not being comfortable at all with providing this highly sensitive information - I called the number listed in the letter - and explained my concerns. They told me the only way to get an account setup was online - and I MUST enter my SSN. 

I find the handling of this entire process - from notification - to website redirection w/ no explanation to the requirement for online submission of my SSN - to be unacceptible - and more importantly promoting a VERY bad practice of training users to randomly enter their SSN into un-explained web sites. 

I am requested that this process/company be reviewed and guidance given to them to allow alternative forms of account setup and verificaiton ( namely Phone )
Consumer complaint received 2017-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunio n Credit Inquiry Issue  These inquires where deleted from my report last year and now they are visible Transunion refuses to take them off   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
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: STERLING JEWELERS, INC. (MI)

Company calls me at least 6-10 times daily. Try 's to bully me to return jewelry every time I talk to them so they can resell. I would be willing to return except they took my " paid in full jewelry '' as a trade in at half its value, they would only reduce my debt up to what they felt the value of the returned items are and I would still owe them a large balance. So this company would have all my payments made, my paid in full jewelry they said I forfeited, the new items I purchased and I would still be making payments with full interest to them for the " balance ''. They refused flat out to work with me on reducing the interest or payments for more than a few months. They have called my family members now " looking for me ''. This company is a legal loan shark type company. They harass you until you give in, all I want from them is to work with me and reduce my payments by {$50.00}. Instead they are racking up late fees, maxed out interest rates, and building the amount I owe to a staggering number, until I have nothing left but to give in. Its feels like as if they are above the law. They said they would only work with debt consolidation once when I talked to them, however they would n't work with me directly, I need to be financially ruined or in bankruptcy, instead they use bullying tactics and harassing calls non stop. Calling my family today was the last straw.