davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I was behind XX/XX/XXXX payment as i was told by a representative to miss a payment in order to apply for mortgage assistance. I then mailed a payment in of {$1000.00} in XX/XX/XXXX which was confirmed and received. I then mailed a payment of {$700.00} in on XX/XX/XXXX which was confirmed and received. I was advised that the payment sent in XX/XX/XXXX was credited to my XX/XX/XXXX payment. I received a trial modification on XX/XX/XXXX I made all payments and in XX/XX/XXXX i was advised that the final modification was mailed out to me in which i never received the documents. I continued to make payments on the mortgage and never received word that the lender removed me from modification review for not signing the modification documents. I was not made aware of lender not receiving documents as lender did not correspond anything with me until XX/XX/XXXX when i received documents stating NOTICE OF DEFAULT. I began to worry. I have placed several calls to lender to advise that i never received any documents. Lender advised me that they sent the documents to XXXX XXXX who previously represented me back in XX/XX/XXXX. In which the law office is closed and no longer represents me. I have sent in several documents stating XXXX XXXX does not represent me. I have been attempting to get the final modification documents from lender but every time i speak with someone i get the run around passed from department to department. I need some assistance with this situation. I have mailed in a letter of error to lender and yet i am still not getting any resolution. Also, i just made the payment of {$900.00} which was advised by the representative ( XXXX ).
Consumer complaint received 2018-09-25
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: Experian Information Solutions Inc. (AZ)

I have received a lot of information on my credit thats not mines .XXXX   XXXX, 3 XXXX XXXX accounts, 2 XXXX XXXX, 2 XXXX XXXX, XXXX XXXX, XXXX/XXXX/XXXX charge off, XXXX XXXX XXXX Several inquiries. I have no bad information on my credit. inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX-XXXX, XXXX, XXXX, XXXX, XXXX XXXX bank, 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 bank, XXXX several times, XXXX, I have like 100 inquiries. I dont apply for anything
Consumer complaint received 2018-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

XX/XX/2018 Chase closed my account due to bad checks that were sent to me. I was initially told that XXXX had to refuse checks in order for me to make sure my account can stay open. Representative never told me that I had to call back nor did I receive a letter stating that my account will be closed. 

XX/XX/2018 Spoke to Loss Prevention and they said account was closed and I can't open a new one.
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

have been disputing a portion of a charge with Bank of America on purchase of {$190.00} for the past month with no success. I have advised Bank of America on numerous times that I have not received or singed a receipt from the merchant on this transaction and I only remember spending about {$79.00}. Bank of America refused to ask the merchant to produce a signed receipt for the charge and credit the unauthorized amount back to my account. I think bank of America is in violation of my billing rights under Reg Z.

The company still refused to remove the charge even though there is no singed receipt for the amount. company is claiming that are complying with interchange.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

On XX/XX/year> I filed a complaint with the CFPB against XXXX, XXXX and XXXX, due to fraudulent accounts listed on my consumer report. I was notified that the accounts in question were verified as accurate by the alleged creditor, however nothing I requested disputing these alleged accounts was returned to me. I requested that validation and proof of claim of the disputed debt was requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) 15 USC 1601 et seq. I specifically stated that this is NOT a request for verification or proof of Claimant 's mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I have yet to receive such request and the information has not been blocked from my report and is still fraudulently reporting, damaging my reputation greatly. Amid submitting this complaint, I also submitted a copy of my FTC report as well. Delete these fraudulent accounts
Consumer complaint received 2018-09-26
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: Experian Information Solutions Inc. (PA)

Greetings I have initiated a dispute with EXPERIAN to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EXPERIAN to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EXPERIAN including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me. Below are the reporting Inquiries that should be Removed / Deleted from my EXPERIAN credit report. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 )  XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed:XX/XX/XXXX Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX, PA XXXX
Consumer complaint received 2018-09-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ZINC Financial, Inc., (OH)

I have recently obtained a loan using the title of a property I owe ( paid cash ) to purchase another property. Late on XXXX I received a statement regarding delinquent taxes. I contacted Zinc Financial and also the title company, XXXX XXXX XXXX  regarding this issue, and either one, is taking ownership to resolve this issue. Is the mean time, the delinquent has increased to {$480.00}.
Consumer complaint received 2018-09-27
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. (FL)

I reached out to all 3 Bureaus Transunion, XXXX, and XXXX in regards to accounts and inquiries that wasnt mine, that I had not auhtorized, I spoke with a lady who told me she would remove the inquiries at transunion by the name of XXXX we went thru the list together and there is nothing done, Ive disputed these accounts to all the bureaus cnothing is being done, you have all these bills on my account tied to addresses i NEVER even lived at, I want something done with this, its not fair that people can just use your information when they feel like it and do what they want with it. I want these accounts and inquiries removed. I filed all reports that needed to be filed. There are 4 collections accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I would liked to get this resolved in a timely fashion.
Consumer complaint received 2018-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NV)

My student loans started with Sallie Mae. They moved to Navient and my student loan is twice the amount I originally started with. I tried to work things out with them with the income driven repayment. I still couldnt understand how my loan doubled. I received an email yesterday on XX/XX/18 stating that they made a mistake in did not add capitalization fees and they are adding on fees and making my monthly payment higher. I was on the phone with Navient and they stated this happened to a lot of people. What I dont understand is I contacted the Federal Student aid to help me lower payments and interest two days prior and now its getting raised and the supposedly made a mistake. I tried to contact them for help today and they said there was nothing they can do. I told them I do not want to pay because I feel like I am getting screwed and they stated they can not take my payment off. What can I do!!
Consumer complaint received 2018-09-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NAM National Arbitration and Mediation (NY)

I received a two phone calls from telephone number XXXX on XX/XX/XXXX and XX/XX/XXXX. I called the number and heard a recorded message identifying the caller as the XXXX XXXX and requesting that I leave a message with my contact information for a call back. I had previously complained about a threatening call from this scammer back in XX/XX/XXXX falsely claiming that I owed an unpaid debt to XXXX since XXXX. I was threatened with arrest and a lawsuit if I did not comply with their demands. I reported this incident and I also requested to have my credit report locked to prevent fraudulent charges on my accounts, since the scammer had some of my personal information, including my address, DOB and Soc. Sec. number.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX Acc # XXXX I have been disputing this account for over a year and i have ask for verification of this account they send me nothing back not a contract nothing from that specific bank always come back as verified and nothing else my last letter Ive ask for a fair investigation about the account or else i was going to file a complaint i got the same response account verified they dont tell me how its verified or send me nothing back a contract something with my signature on it
Consumer complaint received 2018-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (VA)

XX/XX/XXXX, XXXX Debt Settled in a lawsuit by attorney XXXX XXXX XXXX with XXXX XXXX on behalf of XXXX  XXXX XXXX XXXX in the amount of {$750.00} ( original amount $ XXXX- cancelled check available ) XX/XX/XXXX - XXXX removed/deleted their entry of {$1100.00} from all credit reporting agencies as this debt was satisfied. ( Email available ) XX/XX/XXXX, I refinance my home only to receive a higher interest due to the fact that Ability Recovery Services , LLC ( ARS ) has added this debt of {$1100.00} back to my XXXX Credit report. 

XX/XX/XXXX, I applied for an loan as was denied the original amount request and informed that I needed to include the collection debt of {$1100.00}. 

I have been disputing this debt on and off since XX/XX/XXXX to current. 

XX/XX/XXXX I contacted XXXX  XXXX XXXX XXXX who informed that XXXX XXXX is their collection agency. I was referred to this collection agency as the debt was closed in XXXX XXXX XXXX XXXX and that they actual showed I was due a refund for overpayment. 

XX/XX/XXXX XXXX XXXX representative for XXXX XXXX  informed me that the debt was settled and that notification was to Ability Recovery Services. ( Group # available ) XX/XX/XXXX XXXX XXXX XXXX has failed to comply and has now added this collection debt of {$1100.00} to my XXXX Credit File in addition to updating it on XXXX. 

I am seeking the maximum amount in punitive damages of {$1000.00} per section 616 of the FCRA for this collection aggressive measure to collect on a debt not owed and continues to ruin my credit worthiness. 

I have emails, cancelled checks and legal supporting documentation to support my claim.
Consumer complaint received 2018-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

XXXX credit card stop sending me monthly statements about my credit card more than a year ago and they started to charge me late fees of {$35.00} each month even though I was making monthly payment. 
when i opened the credit card with XXXX, I requested to receive the monthly paper statements only via postal mail. 
XXXX intentionally decided not to send me monthly paper statements so I will not know the due date and they can charge me late fees each month. 
XXXX knowingly engage in fraud by retain monthly statements in order to charge me late fees charges of {$35.00} each month. 
I have never authorized or agreed to receive monthly statement by any other mean than paper statements via postal mail. 

When realized that I was been charged monthly late fees for over a year, I asked Mr XXXX XXXX, the XXXX manager to remove all the late fees charges since I could not know when the monthly payment was due without a statement. He agreed that it was XXXX mistake and he could only refund XXXXne month out of more than twelve month. 
I told him that this was not a fair and satisfactory resolution for me and I decided to close my account with XXXX and told him that i will not paid the balance of {$940.00} until the fraudulent late fees are removed.
Consumer complaint received 2018-09-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (MS)

On XX/XX/2018 A XXXX contacted me from Diversified Consultants Incorporated. I asked XXXX to hold on a second and allow me to start my recorder. XXXX agreed and then began to reintroduce herself as I had asked of her. I explained to XXXX that I wanted this debt validated and wanted her to send proof of such to the address on file. XXXX continue to try and pressure me to make a payment on an account that I had no proof of me owning. When I proceeded to tell XXXX that I wanted that proof mailed out and nothing more, she said she would just keep calling me back. I do not appreciate being harassed by a company calling me from a private number from whom I have no relations with and who has no permission to call my home. I have not gotten anything in writing alerting me of this debt.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Capital One is furnishing inaccurate information related to 2 closed accounts. Here are three specific issues : 1 ) Capital One responded to previous complaint on 9/25, but did not provide any information related to my Savings Account.

2 ) I understand that Capital One can close an account for whatever reason they want but they have not addressed the Closure Status of the Account. It currently says 'Closed for Cause ' Savings account was not used with no transcations the in the last 4 months. Checking account was hardely used at all.

3 ) These are personal accounts not business accounts. Referring to this as a business checking is not correct. This is affecting the accuracy of my report as required by the FCRA.
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I received my credit card bill the other day ( around XX/XX/2018 ). It included an annual fee of {$95.00}. I called to object to the fee. Last year, the same thing happened, and a manager agreed to waive the fee if I spent X amount by a certain date. I did that last year to avoid the fee, but hadn't been billed in year 's past. This year, I called expecting the same result. Instead of agreeing to waive the fee, I was advised they wouldn't do that again this year. 

I left it at that and then spoke with my husband. We both agreed we rarely use this card. We no longer wanted it if we had to pay the fee. When I called and explained this to them, I expected them to do what another credit card company had agreed to do under these circumstances : Let the card lay dormant and not charge the fee. I'm keenly aware of the fact that closing out a card negatively impacts your credit score. Citi explained to me that they have no such practice. They could cancel this card and reissue me another. Again, this impacts my credit score.

This clearly represents a form of extortion on the part of Citi, so I feel a governing body should get involved. They should not be allowed to put consumers in this situation. The credits accumulated go towards everything to do with travel, mainly overseas. I don't do much traveling, and when I do, it's not with XXXX XXXX. We are XXXX XXXX who visit our children and grandkids in Texas via XXXX. 

I don't want their AAdvantage Platinum Select Card. However, more importantly, I don't want them to negatively impact my credit score. This shouldn't be allowed. They should let the card lay dormant and not bill me if I don't use it. This is an unfair business practice in my opinion. 

Should you need to reach me personally, I can be contacted at home at XXXX or on my cell at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, Il. XXXX
Consumer complaint received 2018-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Attempted to validate alledged debt with XXXX XXXX Acct # XXXX with all 3 bredit bureaus and they failed to provide the proper validation documents requested. On top of that the information on the report in regards to the alledged debt is very incorrect. 

I can point out the the ORIGINAL CREDITOR was XXXX XXXX and it also states that the account is in collections with a collections agency. If that is the case, under the guidelines, the balance reported should be {$0.00} ; which it is not on the credit reports ( a snip is attached for you to review ). 

Also, a validation letter came from a company called XXXX XXXX who claims they now own the alledged debt. Also in the letter they provided a copy of the bill which states the amount due is only {$1700.00} and on the credit report it is different along with the amount that shows on their validation letter. None of this information matches up and the line item needs to be taken off immediately. 

XXXX XXXX or XXXX is a third-party debt collection agency based in Florida. XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including improper contact or sharing of information and threatening to take actions that can not legally be taken. 

As of XX/XX/2017, the XXXX XXXX XXXX reported 508 closed XXXX XXXX complaints over the previous few decades, including 231 closed complaints over the past 12 months. Nevertheless, the XXXX   provides XXXX an A+ rating. Additionally, XXXX lists 37 XXXX complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, eight alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act.
Consumer complaint received 2018-09-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2018, I was made aware that my XXXX sister and I credit file may have been merged with one another, as one her accounts was reporting on my experian report. I contact the lender and they, of course, stated the credit reporting company made the mistake and they were not complicit or culpable. I checked the rest of my report and noticed my sisters name listed as one of my names.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

There was an accident on XX/XX/2017 that happened with my father. Afterwards the claim was placed on my name, possibly due to me being a XXXX. At that time, I was nowhere near the scene and wasnt even driving. I got insurance later, around XXXX, and found out that due to a report, I have an accident under my name that I wasnt a part of. I even asked for a police report just to make sure, and sure enough, the information provided to the officer doesnt coincide with me. Just trying to get rid of this accident off of my name in order to go on.
Consumer complaint received 2018-09-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (PA)

I keep telling this company the same thing as I did with the individuals that are employed by them. I will start paying the {$150.00} dollars I owe for a XXXX cable bill. I spoke to them about how I will start paying less than 6 months. I explained I will make 3 payments each month to pay it off. Right now Im trying to get these current bills under control that I still owe. They will not make any note of anything but still continue to harass me and its getting me nervous and fidgety. Its not good for my health. I have the bill invoice that came in the mail and I need them to just stop the harassment on my cell phone.