davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (TX)

My subsidized and unsubsidized loans were " forgiven '' in XXXX of XXXX. I have been paying on them for well over 20 years so the time was up. Anyway, they show as paid in full on the provider 's portal but still show a balance on my credit report. There is also a refund of over {$3000.00} due to me that has not been received. I disputed this with the credit bureau but they were advised the reporting was accurate?
Consumer complaint received 2024-08-11
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: Helvey & Associates, Inc., Warsaw, IN Branch (IN)

In or around XXXX, XXXX, Helvey & Associates sent me an alleged bill for the amount of {$1100.00} and in that alleged bill it stated that if I wrote to them by XX/XX/year> they must stop collection on any amount I disputed until they sent me information validating that I owe them the debt. On XX/XX/year> I sent Helvey & Associates a certified letter of dispute requesting that they verify the debt according the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) that is competent evidence bearing my signature, showing that I have, or ever had some contractual obligation to pay them the alleged amount. Helvey & Associates failed to provide proof of the debt but instead sent me a letter threatening to put a negative mark on my credit report ( s ) if the debt ( that I do not owe ) wasn't paid in full by XX/XX/year>. I then sent a second certified letter informing Helvey & Associates that they have yet failed to provide me with any viable evidence, bearing my signature, showing that the account is being reported accurately. It has now been 30 days since Helvey & Associates received that second letter and has yet to respond or provide the requested information. 

Attached are receipts that verify Helvey & Associates signed for my letter on XXXX XXXX and XX/XX/year>. They have failed to provide documentation to validate this alleged debt and have violated state and federal laws. Helvey & Associates is in violation of the FCRA and the FDCPA. The attached documents are the alleged bills from Helvey & Associates and receipts and letters of dispute sent by myself. 

XXXX XXXX
Consumer complaint received 2015-08-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On XXXX XXXX, 2015, I submitted a complaint against Nationstar to the CFPB, case number XXXX. The CFPB received the response on XXXX XXXX, 2015, where Nationstar admitted they were overcharging me due to using incorrect FHAMIP amounts in their calculations ( overcharging me by over {$2500.00} per year ). In their letter, they stated my monthly payments should be {$3300.00} instead of the {$3500.00} they were requiring starting XXXX XXXX, 2015. 

I filed another CFPB complaint today ( case number XXXX ), XXXX XXXX, 2015, because the {$3300.00} they claim I owe in their response is still incorrect. They erroneously double paid my homeowners/hazard insurance in the amount of {$1400.00} each time. This is causing inflated escrow analysis, wrongful charging of a " cushion shortage spread, '' plus increased base escrow payments each month. 

One hour after submitting case number XXXX today, I received a letter from Nationstar letter claiming my loan was in DEFAULT. Although I was forced to pay the XXXX payment late because I did not budget for Nationstar 's wrongful overcharging, I managed to send them {$3500.00} which cleared my checking account on XXXX XXXX, 2015. I immediately called them. I spent yet another hour and ten minutes trying to get it resolved. I was finally transferred to customer service representative XXXX XXXX. He confirmed that my {$3500.00} payment was received on XX/XX/2015. but that it was placed in a " suspense account '' because it was not enough. He confirmed that the payment was not applied to my account until XXXX XXXX, 2015 AND RESULTED IN NEGATIVE CREDIT REPORTING TO XXXX BUREAUS!!! They did all of this even though they KNEW there was research and potential errors and a CFPB complaint response pending!!! Even using their own over-calculations, they had {$130.00} MORE THAN THEY WERE OWED, refused to apply the funds they possessed, then turned around and reported me late. XXXX then told me that they could not correct their wrongful credit reporting for up to 30 days! This is absolutely unacceptable. What happened to FAIR CREDIT REPORTING? At this point, there must be alphabet soup of all of the regulations they must have violated. Please help me STOP THIS MADNESS.
Consumer complaint received 2024-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I am writing to inform you that my documents were stolen, and fraudulent accounts, ( associated with Resurgent ID XXXX ) were opened in my name. I have filed a police report detailing this situation. Please find the attached report for your reference. 

Given the circumstances, I request that you remove the fraudulent accounts from my credit report immediately. Failure to do so will compel me to pursue legal action to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (CA)

XX/XX/year> I mailed certified letters to Discover, XXXX and XXXX proving I was not the account owner nor joint account owner via an affidavit from my father who is the actual account owner along with XXXX XXXX XXXX XXXX. I also demanded Discover to send me the joint application form to which they returned a form asking me for all my information! Total XXXX  if they thought I was sending them that information. In addition I have requested disputes with the credit reporting agencies and sent them all required documentation and they said Discover Bank said it was a joint account. So yes, XXXX and XXXX XXXX XXXX XXXX is a joint account NOT with my name XXXX XXXX XXXX. 
I have not missed a payment on my accounts in XXXX plus years and the reason I caught this was because my father quit paying and it pinged my credit score. 
Kindly remove this from my credit report and remove the XXXX XXXX plus liability because it has greatly reduced and harmed my personal credit! Please see attached records.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was charged for XXXX Dollars by XXXX XXXX in XXXX texas on my debit card after it was stolen on a cruise. i tried to get the claim filed and they just denied it. i tried again and they kept sending me through loops to not reimburse me and now they are telling me since it has been a year on the transaction they cant reimburse me at all. they stalled me out for a year to use that as an excuse and now wont help me at all.
Consumer complaint received 2024-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

The collection items listed on the provided report are inaccurate and stem from identity theft. I am not responsible for these debts and demand their immediate removal. I am being unfairly harassed through relentless communications targeting my family, electronic devices, and mailbox. This constant barrage is causing undue stress and XXXX. I urge you to rectify this situation promptly and cease all contact and collection efforts.
Consumer complaint received 2024-08-13
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (WV)

Applied for modification due to hardship. Used HUD advisor to apply. 
First app rejected due to having not received a document. App was closed. Reapplied providing a 2nd copy of the document. Date of 2nd app XX/XX/year>, Called on XX/XX/year> to check status, HUD advisor not available. I was not able to reach Mr. Copper with either of my 2 phone numbers. Utilized chat, transferred to loss mitigation. Was that underwriting was reviewing the application. Was told that the special loan processor would call within 48 hours. Ive received no call back. 
I was am not able to reach Mr Cooper since the company has blocked me from calling and not able to use the chat feature. It seems that this company is deliberately preventing my access to them, thus preventing a contact with me, and going to foreclosure. They also refuse to speak with HUD
Consumer complaint received 2024-08-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

I opened a XXXX credit card and I was late they waved my late fee and I payed it off. Now they are calling to say I didn't pay the late fee so I owe interest and More late fees since XXXX cuz I have not made any more payments so it keeps growing my bills I don't have! it was a trick that is growing while I think it's paid off please help
Consumer complaint received 2024-08-10
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. (NY)

Over a period of about a week starting XX/XX/XXXX, someone began making large transactions using my credit card at XXXX, XXXX XXXX, and other stores, adding up to about {$26000.00}. When I discovered this on XX/XX/XXXX, I called chase and identified the fraudulent charges, and they removed the charges from my account and issued me a new card, so I thought everything was fine. Over the next couple of months they occasionally called me to ask for details to assist in their fraud investigation, but I couldn't think of anything unusual that happened that could've explained exactly how someone could have gained access to my card. Then on XX/XX/XXXX, they posted a letter to my account claiming that I had " received benefit from the transactions '' and was therefore responsible for them, and immediately added the {$26000.00} of charges back to my credit card. When I tried to call and ask what this meant they were unable to provide a satisfactory answer ; the only useful thing they said was that on the date of the first fraudulent transaction, I had apparently given them a phone call telling them that it was a valid use of my credit card, but this was completely untrue : I have no memory of such a call, and my call history shows XXXX calls made or received by me on that date. When I told them this, they said they would reopen the case, but they refused to remove the charges from my account because " that's not their procedure for reopened cases ''. This is especially annoying because the {$26000.00} of charges put me well over my credit limit, rendering me unable to use the card unless I paid a significant portion of them off ; the fraud department told me that I should be able to request a temporary credit limit increase from customer service, but when I called customer service they claimed this wasn't possible and that I just had to apply for a normal credit limit increase. I did ask to do that just as a potential temporary solution, but there's no guarantee that will go through or that it will be a large enough increase where I can avoid paying off the charges. The abruptness of charging my card with such a huge amount and their inability to provide me with prompt assistance has left me feeling extremely stressed and frustrated.
Consumer complaint received 2024-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONGRESS COLLECTION CORP (MI)

On XX/XX/XXXX I received a credit alert from XXXX. It was advising of a drop in my credit score that was the result of a collections account being added to my credit report. 

I accessed my report and found the entry read Congress Collections, who was collecting a balance of {$770.00} on behalf of XXXX XXXX XXXX XXXX. I called the phone number provided in the collections entry and was advised that the service date involved was XX/XX/XXXX. The collection agency claimed to have sent documentation to my residence in XXXX but that was never received. Congress Collection provided their email for me to send a debt validation request ; two emails were sent requesting verification on XX/XX/XXXX. 

I contacted XXXX XXXX XXXX XXXX who informed me that they show no previous past-due balance or any notation that a balance was sent to collections. They also provided the address of XXXX XXXX XXXX who is associated with their clinic. XXXX XXXX XXXX shows no current or past-due balance either. 

I was being seen in the aforementioned medical facilities as the result of an injury sustained in a car crash. The car crash resulted in litigation ( I was the plantiff ) and the litigation ended in a settlement, with the other involved party handling my medical bills. This visit would have been part of that settlement and presumably any balance due was handled by the other party 's insurance company. I contacted the law firm that handled my case to have them investigate on their end as well. 

I disputed this entry on XXXX and XXXX via their websites. Both bureaus closed the dispute stating the collection agency " certified '' that I owed the debt but the collection agency has yet to furnish anything to me showing the same. 

Based on the information received from the alleged creditor and my knowledge that the medical visit during that time frame was covered under my settlement, I do not believe that this debt is owed or is mine to pay.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-08-13
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: AMERICAN EXPRESS COMPANY (NC)

I am writing to dispute an unauthorized credit inquiry that appears on my credit report dated [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ]. The inquiry was made by [ XXXX, XXXX XXXX XXXXXXXX XXXX AMEX ] without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 604. According to my records, I did not initiate any transaction or authorize [ Company/Entity Name ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim.
Consumer complaint received 2024-08-13
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am writing to dispute an unauthorized credit inquiry that appears on my credit report dated [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ]. The inquiry was made by [ KOHLS/CAPONE, XXXX XXXX  XXXX XXXX XXXX ] without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 604. According to my records, I did not initiate any transaction or authorize [ Company/Entity Name ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim.
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY (NY)

My Name is XXXX XXXX Phone number is ( XXXX ) XXXX Email is XXXX I sent {$10000.00} usd to XXXX as XXXX dollars it should have been the same amount that was sent received. Instead in XXXX my mother received {$700.00} less than the {$10000.00} that should have been received. I am very upset about this I tried going to the branch at TD bank in XXXX XXXX XXXX, NY. I spoke with the representative she told me she would send an email and call me she did but I was told by her and her manager that they are very sorry there is nothing else they can do about it.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (PA)

Account Number : XXXX Dear LVNV Funding, LLC, I am writing to formally notify you to cease all collection activities regarding the above-referenced account. I dispute the validity of this debt and demand that you immediately stop all communication with me, as well as any attempts to collect this debt. 

Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ), you are required to honor my request. Failure to do so may result in legal action against your company for violations of the FDCPA. 

I would like to bring to your attention the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX XXXX ). In this case, the court ruled that continued collection efforts after a valid cease and desist request can result in significant penalties, including statutory damages and the payment of attorneys fees. Your company is hereby notified that any further communication with me, outside of the exceptions provided by the FDCPA, will be considered harassment and a violation of my rights. 

Therefore, I demand that you : 1. Cease all communication with me regarding this debt. 
2. Refrain from reporting or continuing to report this debt to any credit reporting agencies. 
3. Ensure that any negative credit reporting related to this debt is promptly removed. 

Please confirm in writing within 30 days of receiving this letter that you have complied with my request. Any future contact from your company, aside from acknowledgment of compliance, will be met with legal action. 

Thank you for your prompt attention to this serious matter.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY (NJ)

I received a check from Wells Fargo stating there was an error on my approved and finalized loan modification. 
The amount of the check is {$1000.00}. 
How do I know if this is the total amount of the errors, or if this amount is some type of settlement. 
It states I can participate in mediation if I do not agree with the amount. However, I have no idea how they arrived at the amount that was sent to me. 
Do I just assume the amount is correct and deposit the payment? 
I have never been contacted previously regarding any of this information.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I am filing this complaint because Capital One has refused to remove a charged-off credit card account from my credit report, which is the result of identity theft. I did not open or authorize this account, and the charges associated with it are fraudulent. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I provided Capital One with an Identity Theft Affidavit and can provide any other supporting documentation to demonstrate that this account is fraudulent. Despite fulfilling my obligations under the FCRA to report this identity theft, Capital One continues to validate and report the fraudulent account as a valid debt, severely impacting my credit score and financial standing. I have repeatedly requested that Capital One provide documentation or an explanation regarding how they have validated this debt in light of the identity theft evidence I have provided. To date, they have not complied with these requests. I am seeking the immediate removal of this account from my credit report in accordance with FCRA provisions and request that Capital One provide all documents they have used to validate this debt.
Consumer complaint received 2024-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Onity Group Inc. (FL)

We requested in writing for the XXXX on XX/XX/24 because I'm currently on a XXXX in the state of Louisiana. The Louisiana XXXX ( Louisiana Statute Section 29:312 ) PHH Mortgage replied back on XXXX/XXXX/24 stating our account is not eligible for protection under the XXXX.