davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (SC)

This is a medical debt which goes against The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. 


Also, this is not my debt. This debt is a result of identity theft. This debt should be removed from my credit report immediately.
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have a mortgage with the Bank of America ( BoA ). In the XXXX XXXX timeframe or thereabout I called the bank ( mortgage department ) to request that the homeowner 's insurance requirement be removed from my mortgage account. I gave two explanations for why this should be allowed : 1. My assets with BoA exceed the outstanding mortgage by a factor of 2 ( for every {$1.00} owed in the mortgage, there are at least {$2.00} in positive accounts ), thus the mortgage is fully secured by my assets. 
2. The outstanding mortgage is less than the cost of the land alone. Thus, the homeowner 's insurance is not necessary, as the land alone has a positive float against the outstanding mortgage balance.

I was allowed to remove the homeowner 's insurance. 

In the spring/summer XXXX, I was contacted by BoA by mail requesting to restore the homeowner 's insurance. I had to comply with this new requirement, so I restored the insurance. However, next BoA imposed a {$2000.00} fine to cover the lapse in insurance. BoA calls this {$2000.00} an insurance, but it is not, since insurance can not apply to past events. To be clear, the {$2000.00} fine applies to the XXXX - XX/XX/XXXX timeframe, and they requested this money in XX/XX/XXXX.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TheTenn Inc. (IN)

Made a deposit of {$990.00} to a XXXX XXXX called " TheTenn ''. Their banking products are issued by their partner bank XXXX XXXXXXXX XXXX XXXXXXXX. 

After the funds fully cleared, the company locked my accounts and refused me access. They then requested verification documents which I submitted. 
After that there has been no help from the company and they have continued to refuse me access to my funds and seemingly are attempting to steal them/hold them hostage.
Consumer complaint received 2024-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (SC)

I was approved to have my court reporting Institute loans Discharged and refunded through the XXXX settlement of which I am a full class member. AidAdvantage Refuses to pay me XXXX  XXXX  of the XXXX  and XXXX  of dollars that I paid an interest on these loans. They sent me a check XXXX  of dollars short. When I submitted my payments to them every single payment made, they denied everything even though I downloaded my payments off of their website. I paid on it for years and years and years and they have not sent me anything but {$1000.00} check. Theyre doing is breaking the law and violating the court ordered settlement and I want my money returned to me.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Galaxy Capital Acquisitions, LLC (MI)

I received a collection letter from XXXX XXXX XXXX XXXX XXXX Galaxy International Purchasing , LLC, regarding an alleged debt. 
I disputed the debt and requested validation in writing, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) and the Michigan Collection Practices Act. 
XXXX XXXX refused to provide me with complete validation information unless I provided personal details over the phone, which I believe is a violation of the FDCPA and the XXXX. 
They provided contradictory and confusing information about the debt and their authority to collect it, which I believe is also a violation of both federal and state law. 
I attempted to contact XXXX XXXX directly at the number provided by XXXX XXXX but was unable to reach anyone. 
My investigation has uncovered a pattern of deceptive practice by this company, in fact a pattern of what I am complaining about What I want the company to do : Cease all collection efforts until they provide proper validation of the debt, including : The exact amount owed The name and address of the original creditor Proof of the debt Verification of the debt, including payment history and any judgments ( as required by Michigan law ) Acknowledge and address the potential violations of the FDCPA and the XXXX committed by both XXXX  XXXX  and their agent, XXXX  XXXX. 
Additional Information : Reference Number provided by XXXX XXXX : XXXX I have attached copies of all relevant communication, including the collection letter, my validation request, and any other correspondence. 
I am willing to cooperate with the CFPB in any investigation of this matter. 
Please note : I am particularly concerned about the potential violations of XXXX laws, as I am a resident of XXXX  and XXXX these laws provide me with additional protections against abusive debt collection practices.
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NM)

Jefferson Capital collections agencies sent a letter but did not provide letter of proof of debt the account from XXXX XXXX XXXX was charged off and closed ther for Jefferson Capital must provide a valid letter of debt proof sense the account was charged off and closed I am no longer an responsible and wish Jefferson Capital to stop all contact a valid letter of the debt was not provided I do not acknowledge this debt sense it has been closed Jefferson Capital has been in trouble before and investigated. As they tried to defraud me in the past. And got cought. Cfpb did handle that situation I am asking Jefferson Capital to cease and disist all contact and communication
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (MD)

1.Unlawfully obtained a continuance for judgment and followed with a garnishment without proper due process.

2. I was served ; the court record has no process serving address or date in which I was serve to re-appear in court ; no address on court record.

4. Damaged my credit.

5. Served a former employer with a Writ of Garnishment where I have not worked for 3 or more years; damaging my professional credibility and relationship with this employer.

5. Sued me in a state where I do not live or did not sign for the debt.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

This letter is to inform you that I recently viewed my credit report, and noticed you are reporting inaccurate information. 
I am requesting that you provided all information pertaining to this entry, the original application with my signature, proof of purchases. 
under the FCRA I have the right to have a copy of the requested information with in XXXX or have the entry deleted.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (NV)

Transworld Systems Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Account Number : XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
15 U.S.C. 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication
Consumer complaint received 2024-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

Hello, this is a follow-up to XXXX. In Nelnet 's response, I was advised the following : If you would like us to reallocate your XX/XX/year>, payment to have a portion of it applied to your subsidized loan balance, please contact us to make the request and advise the amount that should be allocated to each loan. I submitted a request through the Nelnet account portal with the following information : Hello, XX/XX/XXXX payment- please apply {$610.00} to loan XXXX and {$610.00} to loan XXXX. XX/XX/XXXX payment- please apply {$520.00} to loan XXXX and {$520.00} to loan XXXX. If you can't do this, please advise how I can direct payment to the interest accumulated on my account. I know this is from the XX/XX/XXXX payment not being applied to loan XXXX. In the payer options, we can only select the XXXX XXXX. We need a way to apply payment to each loan ( loan XXXX and loan XXXX ) on a go-forward basis. Thanks! What I received back was a boilerplate, template response from customer service on how to make payments. I know how to make payments, I know we have to pay at least the minimum payment ( which we are paying nearly double the minimum ), I know how to select loan groups, I know how interest works, I know what the XXXX plan is, I know not to advance payment date, etc. Please stop sending me information that is not helpful to my specific situation and request. Attached is the letter from Nelnet from the prior complaint as well as the response from Nelnet from my customer service inquiry about payment allocation.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession. All is being investigated by the FTC
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (PR)

Citigroup , Inc. ( " Citi '', the " Company '' ) continues to send unrequested and unwelcome advertising and propaganda by mail and email, even though I have informed the Company of my information being registered on XXXX, a site owned by XXXX XXXX XXXX XXXX in compliance with the Fair Credit Reporting Act ( " FCRA '' ). The Company violated in numerable times dispositions that protect consumers of having their information used and shared with affiliates for the purpose of offering propaganda, even after informing the Company NOT to do so, and informing the Company of the opt-out registration, actions contrary to what's stated and protected under FCRA. 

I am humbly requesting this agency to assume jurisdiction on these matters.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America began arbitrarily charging my account a $ XXXX maintenance fee in XXXX XXXX XXXX without any warning or notification. This account has been opened since XXXX and wasnt charged the {$25.00} fee before then. 

I was taken by surprise when I checked my account in XX/XX/XXXX when my balance was negative instead of {$93.00} which it had been in XXXXXXXX XXXX XXXX 

I reached out to Bank of America and after 1.5hrs, two of the 5 maintenance fees were returned. Bank of America refused to give me back the additional {$75.00} they stole from me, plus the person I spoke with refused to connect me with his manager or anyone else for additional help. XXXX, employee ID XXXX refused to even give me the name of his manager and stated that he doesnt know who his manager is. He also stated that his computer tells him what to do and not a single person within the company could manually return the money that they stole from me.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/year>, the funds from a check I deposited earlier were released. However, the check bounced later on. I was not informed about the possibility of it bouncing or provided with any cautions regarding the deposit. This was my first time depositing a check as a college student, and I believe Chase should have been more attentive. I called them at least twice before the funds were released, but they didn't warn me about anything at all, and now my account is overdrawn. 

Another issue is with a {$2000.00} XXXX transfer on the Chase mobile app, which turned out to be fraudulent, even though I made the transfer. Chase and XXXX were uncooperative when I reached out to the police for an investigation. I also requested a refund from the recipient 's XXXX account, but later found out that they blocked me. I am sure a real person is using the account, and it is still active.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (MI)

Spring oak has continued to hurt XXXX credit with account that is not mine. Account is not present in attached XXXX report. Account has never belonged to me and account is reporting incorrect information. Even with these facts Spring Oak has diverted there fruad reports to XXXX and continues to report the account as up to date and mine without my consent and with no valid explanation. This account does not appear on any other reporting agency
Consumer complaint received 2024-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MI)

good afternoon credit acceptance violated the payment arrangements that i made with them because of a XXXX use car i signed for but have spent just as much repairing this piece of garbage and have continue to pay XXXX car payment each month so this last repair XXXX suspension problem and credit acceptance sent me the agreement in XXXX to pay XXXX XXXX payment XXXX XX/XX/XXXX so why they didn't have the business decency to tell XXXX the truth I don't appreciate my credit score going down for a lie please investigate this situate.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

VALIDATION AND CEASE AND DESIST Dear XXXX : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. the ___ __________________________
Consumer complaint received 2024-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (TX)

Since you closed my previous complaint # XXXX, I am forced to file a new complaint. The previous complaint was not resolved. Specialized Loan Servicing was the mortgage company that had the mortgage on my home. In XX/XX/year>, Shellpoint took over the mortgage and but they did not send adequate notifications. I made my XX/XX/year> payment to Specialized Loan Servicing rather than Shellpoint. In the previous complaint I made with your company, Shellpoint responded with a mortgage statement, which neither you and Shellpoint have failed to pay attention to. If you will look at XX/XX/year>, the statement is showing unapplied funds of {$680.00}, then on XX/XX/year>, the unapplied funds were applied to late fees rather than the monthly payment as it should have been. I was one month past due until I brought my account current on XX/XX/year> with a payment of {$1400.00}. I am enclosing bank statements. I can no longer get my mortgage statements as Specialized Loan Servicing is no longer in business and Shellpoint will not provide me with my XXXX mortgage statement from specialized loan servicing.
Consumer complaint received 2024-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC. (CT)

XXXX XXXX XXXX Calls are recorded. Called approximately XX/XX/XXXX to enter into hardship or figure out a way to keep paying loan on time. Hardship team took me off automatic payments stating the missed payment wouldn't matter if I called back within 30 days. I called XX/XX/XXXX to get into the hardship program. Authorities representive stated past due amount would be put to end of loan if I made a full payment. Then proceed to explain I would be entered into 3 months of the hardship program afterwards with interest only payments for XXXX, XXXX, and XXXX. Legally describing what I would be signing. I signed based on the description as I am a layman. Representing incorrectly set up the hardship program and did not enter the automatic payments. Was told account was past due etc. Paid the past due amount based on the authorization that the past due amount would be removed due to errors on their end. Payment was not applied correctly and will not be till the hardship plan ends. This was a fraudulent transaction, a headache to deal with and violates the agreement I entered into. Now damages are involved due to reporting a past due amount to the credit companies. All I have done was try and work with them. Can provide phone recordings for proof.
Consumer complaint received 2024-09-21
Product: Credit 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. (NJ)

In XX/XX/year>, my family and I booked a stay at XXXX XXXX, managed by XXXX XXXX. Due to the size of our group ( XXXX individuals ), we reserved two rooms. Shortly after check-in, one of the rooms became flooded and uninhabitable, forcing my entire family to stay in a single room. Despite informing the hotel staff and requesting to be moved to another room, we were told that no other rooms were available as the hotel was fully booked. 

Upon our return home, I contacted Chase Disputes and contested the charge for the unusable room. I provided extensive evidence, including photographs and communications with the property. In XXXX, I received a notification from Chase confirming that the dispute was ruled in my favor, and the credit for the room would be permanently applied to my account. 

However, on XX/XX/XXXX, I observed a new charge from XXXX XXXX on my account. I immediately contacted Chase and explained the situation. The representative indicated that the merchant had likely manually re-entered my credit card number and recharged me for the previously disputed amount. This unauthorized charge was deemed fraudulent by Chase, and the representative advised me to obtain a new card, subsequently locking my old card. 

Despite these measures, this month, I noticed yet another charge from XXXX XXXX. When I called Chase again, I was informed that since the merchant had proof that I physically handed them my card, it was not considered fraud. I explained the complete timeline to XXXX this morning, who concurred that the merchant had no legal right to rebill my card after Chase had ruled the dispute in my favor in XXXX. 

It is my firm belief that the XXXX rebilling of the charge by the merchant constitutes fraud, as it was not authorized by me. I urge you to address this issue promptly and ensure that the fraudulent charge is permanently removed from my account. 

I have contacted Chase Disputes yet again and have not received a resolution. 

Thank you in advance for your attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2024-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

XX/XX/year> Can not access my account online. Website looks suspicious- blurry MOHELA icon, email links to pay dont always work, email was inverted in colors, log in not allowing me to access my account or any thing through MOHELA. This is not the first time this has happened, but I can not recall other specific dates. Customer service never gets me to a human or I get disconnected. 
Reminder emails to pay at the end of the month arrive at the beginning of the month, reminding me to pay soon but then no reminders again.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

This account is reporting incorrect late payments. I took a trip to XXXX and ended up being caught in a war while I was there. I was stuck in XXXX and had no access to internet whatsoever. I even had to stay in a XXXXXXXX XXXX due to the severity and dangers of the war, and I was subjected to constant terror and missiles being fired at the area I was in. 

I was a victim of terror and had absolutely no way of logging into my account to make a payment, as there was no internet connection at all. I even tried to make a call to Wells Fargo to see if the call would go through and was not able to reach anyone, due to the poor connection. All of the networks were completely down due to the war. 

I am requesting from you to have these incorrect late payments removed from my account and from my credit reports, as they were beyond my control, and due to the consequences of a huge war that is still ongoing.