davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK (PA)

Today, XX/XX/24 someone called me from a local area code-XXXX. This person stated my name and wanted to verify where I lived. I asked for what purpose. They said due to a debt and needed to supeona me. I said, excuse me? Then they hung up. I called back. Another guy said the same. Told me it was from a debt with Discover Card ( I never had one ). Said it was from XXXX and also recited my XXXX number. I did state I never had one. He said it was from XXXX, CA. Then he hung up. 

I called Discover, they had no accounts in my name for credit card or bank. I got a XXXX XXXX  account and also fraud alerts by the 3 credit bureaus. 

Then reach out to you all to report as well
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

Im extremely upset with equifax Ive sent in dispute letters Ive made complaints with the XXXX and the cfpb but yet they still want fix this matter what address is associated with the following accounts. XXXX XXXX XXXX. If they cant provide the information Im requesting as a consumer then it needs to be removed immediately
Consumer complaint received 2024-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC (IL)

When originating my mortgage in XXXX of XXXX, I waived my escrow account requirements and was going to pay them on my own, out of pocket. My previous lender servicer, XXXXService Mac , who will be referred to as XXXX XXXX had paid the property taxes for my parcel when they became due or past due. On XX/XX/XXXX the servicing was then sold to XXXX XXXX who will be referred to as XXXX XXXX with an escrow shortage. And a forced escrow account which increased my payment ~ $ XXXX XXXX XXXX informed me that the property taxes were in fact not paid and that I was delinquent XXXX. They setup an escrow account to collect for the allegedly owed property taxes ( {$15000.00} ) that were paid by XXXX XXXX already. Now my escrow account is double short ( ~ {$25000.00} ). My payment has gone up from ~ $ XXXX to over $ XXXX. 
When contacting XXXX XXXX multiple times about this, they informed me that the taxes were paid to the wrong parcel leading to interest charges from county as well. XXXX XXXX did not provide with clear explanation for each property tax payment made and advised to wait up to 90 days for it get resolved/researched XXXX XXXX meanwhile I have to continue make escrow payments for taxes that were made in error to incorrect parcel making my escrow account go XXXX negative. I called and spoke with XXXX XXXX  XXXX  times and did not get any clear information on the resolution, neither managers or supervisors provided a clear path to get his resolved.
Consumer complaint received 2024-08-07
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: SYNCHRONY FINANCIAL (SC)

I received a credit alert that XXXX of my accounts was over the limit. It is a paypal credit card., with Synchrony Bank XXXX I do not recall that I have a XXXX credit card but they stated it was opened XX/XX/year> but they will not provide me with any documentation. The card was used and they denied my fraud claim saying since I opened the account it had to be me using it. But I have never received a statement from them email or mail. I have requested information about the charges, and they say they can not give me that, I don't have the account number, when the purchase was made, if there was a delivery address where anything was shipped to. In the meantime, the charges have gone from XXXX to XXXX. I had requested the account to be closed, in XXXX which they did but then they opened another which of course increased the balance owing. Synchrony went on to close XXXX other accounts with them that I have saying I was now a credit risk. My credit score has gone from mid XXXX 's to XXXX. I have impeccable credit ; all my bills are paid on time, and this is severely affecting my credit. There is no reason I would create a balance of this amount and then deny that it is mine. I certainly have enough credit that I would have used XXXX of my open accounts. I feel that I am very victimized. I h ave frozen my credit reports, filed fraud claims, and am in the process of filing a police report.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I am writing to express my deep disappointment and frustration regarding the ongoing issue of fraudulent hard inquiries on my credit report. Despite my repeated attempts to resolve this matter, I have not seen any progress or positive results from your end. I urge you to understand the severity of this situation and the impact it has on my financial well-being. 

I first raised this concern with your agency on XX/XX/2023 via mail when I noticed unauthorized hard inquiries on my credit report. I followed the appropriate procedures, submitting all necessary documentation to support my dispute claim. To my dismay, several weeks have passed, and these fraudulent inquiries remain unchanged on my credit report. 

XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 


XXXX XXXX
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/XXXX, I was notified of wage garnishment for a debt unbeknowest to me from my employer. I have not gone to court, nor have I been served with anything acknowledging I am being sued. I also did not have anything outstanding on my credit that would in turn cause a lawsuit. In review of the documentation, I am being sued for an amount of XXXX for LVNV Funding, LLC, which I have never heard of. The address listed on the documents and the date of XX/XX/XXXXXXXX  show of me being served I was not a resident at that home. Now I am having to stop this garnishment to ensure I am able to afford my bills from an account I do not owe nor have any obligations to. I am asking for this company to cease and desist this lawsuit immediately as it is fraudulent and did not properly follow procedures to validate a debt nor serve me to allow defense in court.
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse of remarks you not provided me a copy of any original documentation required under 15USC 1681G ( a ) ( I ) & USC16811 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all Information Which can not be verified.
Consumer complaint received 2024-09-19
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (MA)

I am submitting this follow-up complaint to address unresolved issues from my previous complaint regarding Aidvantages mishandling of my federal student loan account. 

Summary of Issues : Inaccurate Reporting : Aidvantage reported payments due and balance increases on my credit report on XX/XX/2024, a day after my initial deferment request was rejected. The deferment request was rejected due to an alleged missing signature, which was in fact present. This erroneous reporting continued until my deferment was finally processed on XX/XX/2024. The inaccurate reporting contributed to a significant drop in my credit score, which I first learned about from XXXX XXXX. This drop was due to Aidvantage 's incorrect reporting and not any fault on my part. 

Inadequate Response : Aidvantages response to my previous complaint indicated that my account was placed into In-School status as of XX/XX/2024, and asserted that they can not remove accurate information from my credit report. However, this does not address the fact that Aidvantages reporting of payments due and balance increases was incorrect and significantly harmed my credit score. 

Additional Information : I have attached evidence showing that the deferment request was submitted with all required signatures and was incorrectly rejected. 
I have provided screenshots from XXXX XXXX and other credit reports showing the impact of Aidvantages erroneous reporting on my credit score. 

Desired Resolution : I am seeking a correction of my credit report to reflect accurate information and appropriate compensation for the harm caused by Aidvantages mishandling of my account. The inaccurate reporting and the delay in processing the deferment have had a severe impact on my credit standing. 

Thank you for your attention to this matter. I look forward to a resolution that addresses these issues comprehensively.
Consumer complaint received 2024-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

I applied for XXXX XXXX XXXX in XX/XX/year>2024. There were issues with my application and was told to submit again. I submitted another application on XX/XX/year>2024. I called in XXXX to check on the status of my application and was told I did not submit an application. I could see on my portal the date the application was submitted but they could not see it on their end. My application has been " lost '' by this company for over three months and when I called the only solution was to submit again. When I asked if they could expedite my application they told me they could not. I filed a complaint with the company and every response I have received has been about my XXXX application, not the one I submitted in XXXX. 
I am paying hundreds of dollars in interest on this loan that will be cut in half when this forgiveness is accepted. It is unacceptable that their website has an error that caused my application to be lost and they refuse to help me. Their only advise was to submit it again, wait another 3+ months and continue to pay hundreds of dollars while they review my new application. I have attached a document that shows that there was an application submitted in XXXX of 2024.
Consumer complaint received 2024-09-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (AZ)

I am filing this complaint regarding my interactions with Nelnet Servicing , LLC, as they have failed to provide adequate documentation to validate a debt I am disputing. On XX/XX/XXXX, I formally requested a copy of the Master Promissory Note ( MPN ) for a student loan debt they are attempting to collect. Despite their initial response promising to provide this documentation within 7-10 business days, they have failed to do so.

Nelnet continues to send billing statements and other communications related to this disputed debt, but they have not addressed my core request or provided validation of the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). I have followed up with Nelnet multiple times, yet their responses have been generic and evasive, failing to provide the legally required documentation or properly investigate my dispute. 

Without this documentation, the debt remains unverified, and Nelnet should not be pursuing collections. Additionally, XXXX delay and failure to address my concerns could be linked to their ongoing legal issues, including a XXXX data breach that compromised the sensitive information of millions of borrowers, further raising concerns about their ability to handle my account information properly. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) compel Nelnet to provide the requested documentation and address this dispute properly, including stopping any further communications regarding the loan until the debt is validated.
Consumer complaint received 2024-08-12
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Chrysalis Holdings LLC (IA)

I applied for a loan from New Day and they did not tell me that I had to pay some accounts off my credit report that had been charged off. They decided to issue me checks from my proceeds to pay them off without my consent. They changed the terms we agreed to after we signed the papers and did not let us see the paperwork for these charged off accounts that they were paying. We had gone over the accounts we wanted to pay with their agent, XXXX XXXX and told him we did not want to pay those charged off accounts. He decided to pay them off anyway and told us we had to pay them for the loan to be approved. If he had told us that in the beginning, we would not have taken out the loan. We have told them we do not want to pay those accounts and they refuse to release our funds. I think they have committed some fraud by not telling us what they were doing and hiding it from us. Can you help us with this?
Consumer complaint received 2017-12-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I am a mortgage holder with XXXX XXXX, a mortgage servicer, They recently changed their image/name and now go by Mr. Cooper, I have been making payments as usual monthly payments on a monthly basis. A few months ago, my neighborhood was hit by hurricane Irma. I was contacted by Mr. Cooper advising that if I was affected by the hurricane that they had a forbearance program that would allow me to pay a minimum per month {$100.00} on my mortgage for 3 months and that they suggested that the balance of each month still owed would be added at to the end of the overall mortgage payment schedule, which I was ok with and continued to make the minimum payments that was agreed between the mortgage company and me. Since that time, I have been trying to reach them to discuss the agreed upon arrangement we have made. I have been trying to reach the company, XXXX XXXX multiple times on a few different numbers that was listed on the payment statement. Each time I tried a different number I always got the same recorded message to XXXX XXXX XXXX. They continue to send me these statements and telling me to call them. I continued trying to reach them and the call always going to the same voice message a XXXX XXXX XXXX. I feel like they are intentionally avoiding me and to not discuss thus forbearance arrangement we have made creating an impression that I am defaulting on my mortgage, of which I 'm not in default. I would like to get to the bottom of this matter and talk to the lending company on this dilemma. No one is calling me and I 'm continuing to get statements and notes are being left at my door indicating importance to contact them. While no one will return calls from my messages on the many times I would leave them, I am in the dark with the forbearance arrangement we agreed to.
Consumer complaint received 2024-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (FL)

I got a call on XX/XX/XXXX approximently XXXX XXXX EST, The company was Aldous & Associates, they claimed I was sent to collections by a health and fitness company called " XXXX XXXXXXXX '' which the gym was located in XXXX AZ, I canceled my membership with this gym during the fall of XXXX, when I was switching to another gym down the street, I came in person and requested to cancel my membership, I paid a " Cleaning and Cancel Fee '' ( XXXX $ ) so I can achieve this, I left the gym with the idea that it was canceled but I still was getting charged with fees and dues even after I canceled, I contacted the gym and they told me to contact " XXXX XXXX '' since all of the payments was handled with that company. I contacted them numerous times and was still getting charged, they finally stopped charging me after I had a long conversation with XXXX of their agents, the charges varied from XXXX XXXX XXXXXXXX XXXX 

Now Aldous XXXX XXXX contacted me, with a collection of XXXXXXXX XXXX  from XXXX XXXXXXXX, I got frustrated and explained to them that I had already canceled with them months ago, to which the agent who contacted me said " no you didn't and you have this amount collected '', I explained that I was going to contact an attorney to resolve this, which the agent responded with " Since you said you were going to take legal action, I can not continue to have this conversation '' he was hesitant with giving me information, I asked for his name which he responded with " XXXX '' and gave me the number of the company which my attorney can contact ( XXXX ) I searched the company up online and a lot of people has had the same issue with them, where they put a collection notice with gyms that they already paid to cancel and mess up their credit score. Im just frustrated by this and don't want my credit affected.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CO)

This is related to my XXXX CFPB complaint ( XXXX ) regarding XXXX XXXX XXXX XXXX  XXXX my bank ), but I'm now submitting this second complaint about Wells Fargo XXXX which is the XXXX XXXXXXXX XXXX bank. 

My mother and I are victims of wire fraud by a Wells Fargo customer on XX/XX/XXXX. We were scammed out of XXXX XXXX XXXXXXXX and it was wired out of our joint checking account at XXXX to a criminal " XXXX XXXX '' who was able to open an account at Wells Fargo and fraudulently transfer funds IN to that account from our XXXX joint checking. I will attach the Hold Harmless and Indemnification Agreement that was sent to Wells Fargo from XXXX on XX/XX/XXXX. 

Neither XXXX nor I have received a response from Wells Fargo, not even an update. I want to know how and why this person was able to a ) open an account at Wells Fargo with XXXX red flags and b ) use it to commit WIRE FRAUD.
Consumer complaint received 2024-09-20
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (LA)

I applied for a credit card with XXXX online on XX/XX/year> and was immediately denied access to my credit. I called XXXX XXXX  customer 's service to request information regarding the denial and was also denied this information over the phone. I was told that I must await the denial letter that would come to me via postal mail and/or email delivery. I asked to speak with the underwriter and was told that they were not able to contact the underwriter and there was no contact telephone number that they could provide for me. XXXX is in violation of my consumer rights to access my unlimited credit according to 15 USC 1611.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX has posted on my account that I did not pay XX/XX/scrub>XXXX XXXXXX/XX/year> And placing a late payment on my credit report which is totally incorrect due to me always making my payments on time this is a mistake and I asked for it to be fixed and those late payments to be removed from my report.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I have been with Penfed for quite a few years now since leaving the service. I am a 100 % XXXX XXXX Veteran whom also is deemed XXXX through SS at this point. I use Penfed not only for banking but have a credit card and a personal loan through the credit union. Up until recent, I had never had a late payment ( if anything paid over ), nor have I even overdrafted the account. I reached out twice now to ask the credit card on the account to be closed and a hardship be placed on the account. I was asked to submit proof of why I am unable to pay and enclosed XXXX months of medical records showing me and out of the hospital with major health issues. My body is deteriorating as the VA said it would. I was told to submit proof of inability to pay. So twice I am told that me submitting that I receive XXXX and am unable to even work a cash job due to the progression of health issues and my hospital stays being extended more and more is not proof? What else do I need to do? I have asked for help and am instead ignored with accounts held open and exorbitant fees attached. I need hardship or help on the card or loan, what else can I do and why are they refusing to help me?
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I havent tried to review my credit report online as well as be able to unlock and lock my report myself. Trans Union has some sort of technical issue that they are unwilling to clear. TransUnion has stated that when there is not a dispute open. I should be able to to view my credit report at any time although when I report the issue, Trans Union says that there is nothing wrong with my account and I should be able to see it. I believe TransUnion is willingly withholding my credit report, and the ability to lock and unlock my credit report at my own will from me. The attached image is what I see every time ( 100 % of the time ) when I attempt to check my credit report or unlock and lock my credit profile.