davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (DE)

On XX/XX/XXXX @ approximately XXXX XXXX payments were made to our mortgage through Shellpoint.  XXXX amounts were paid with XXXX different accounts in the amounts of {$900.00} and {$2000.00}. That money was removed from our accounts on XX/XX/year>. 

The next day we were told to sign up with Shellpoint Mortgage. We did that have been unable to access our loan. Both of us have created accounts and neither can access our loan. I have put in XXXX IT tickets with the company ( XXXX is a reference number ) and still can not access my account. 

Also, Shellpoint was unable to locate the payment on the loan and said they needed information in order to find it. I supplied the confirmation codes for both payments. I submitted that on or around XX/XX/XXXX. I waited XXXX  days and heard nothing. So I gave them another call. 

Today, XX/XX/XXXX, I have learned that my payment of {$2000.00} was indeed found, but that they can not locate the {$900.00}. Instead of looking harder with all the information I gave them. They need me to go way out of my way and fax them confirmation of the {$900.00} from my bank. I have to fax it because I can not access my online portal because they don't know what's wrong with it. 

This company said the loan was being moved XX/XX/XXXX but that that they didn't receive it until XX/XX/XXXX. They were still allowing payments to be made and apparently lost into the void on XX/XX/XXXX. This is straight up negligence of financial data at this point. 

I have been a homeowner for 1 month and this has been the XXXX payment experience of my life. I have already wasted XXXX hours of my life trying to get this sorted for something that never should have happened.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/year> I checked my bank account on my mobile banking app and noticed a check that was cashed for {$500.00}. This check had my husband and my names and address printed on it and our checking account/routing number on the check, but was made out to someone we don't know. They had also typed the name XXXX XXXX on the " pay to the order of '' line along with an address listed as XXXX XXXX XXXX XXXX, XXXX, OH XXXX typed on the check. Everything on the check was typed except the signature- which isn't legible and isn't my husband or my name. It isn't XXXX of our checks. The check was dated XX/XX/year> and the money was removed from my account on XX/XX/year>. On the back of the check on the signature line there is a hand-written statement that says " For mobile deposit only at XXXX bank XXXX XXXX I called my bank - Citizens - on XX/XX/year> and reported to their fraud department. They gave me a claim number and told me that they would start an investigation and that would be concluded within XXXX business days. They also told me that if I didn't hear from them by today, to call them. Today I called Citizens at the number they gave me and now they are telling me that it would take between XXXX weeks before their investigation is complete! They said they couldn't give me an update about their investigation and said that the fraud department person who took my report made a mistake telling me I would hear within XXXX business days. I filed a police report after I initially called Citizens and called Citizens back that day and gave the fraud department the report number. I am so angry- I did everything I was supposed to do. I don't understand why I should wait until they complete their investigation when my bank let XXXX take this money ( a lot of money! ) out of my account- if they looked at the fake " check '' it is so clearly fraud! You'd think they would better protect their consumers! I am an older adult.
Consumer complaint received 2024-07-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I have tried using this at multiple stores, both for the full amount and for less money and either the store would not accept it or the payment was declined. I noticed many people are having the same issue. This card is supposed to be accepted everywhere Amex is but i have yet to be able to use it.
Consumer complaint received 2024-08-07
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: Experian Information Solutions Inc. (SC)

I did not submit the inquiries on my report and I have contacted experian numerous of times and asked for these to be removed due to me being a victim of fraud. Please removed these inquiries from my report please. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (KY)

I have been financing an auto loan through exeter finance since XX/XX/XXXX. Today I found out Exeter is charging more than the maxium APR for the state of Kentucky for an Auto Loan. Exeter is unwilling to change payment dates or help me get caught up on my payments. I was laid off from work due to a terminal illness. I have been trying to get caught up with my payments but it's impossible with Exeter Finance. There customer service is horrible and they refuse to help. I am suppose to start my new job on XX/XX/XXXX. I am trying to keep my vehicle from getting repo.
Consumer complaint received 2024-07-17
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: Velocity Portfolio Group (DE)

I checked my credit report and its showing a WRITTE OFF account from XXXX XXXXXXXX XXXX that was opened XXXX, this account not only is reporting as a negative account but it also was sold to a company called Velocity Investments LLC. I never received a 1099C form to ve able to audit them and make sure they are in compliance. Not only are they committing tax fruad they are violating my rights according to FCRA 15 USC 1681 ( eb ) by reporting information that is not 100 percent accurate. I request that this account be removed immediately do to inaccuracies and harm to my consumer profile.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

I had XXXX checks deposited into my chime account, I spoke to a representative which told me I had XXXX accounts. I said I was not aware of XXXX accounts so lets close XXXX so I dont have issues with my deposit. Instead of closing the non active account that I was not aware of, they closed the active account that I was actually using. Since this has happened I have no clue where my monies is and they wont tell me where my monies is. Every time I call now I get a representative telling me I must wait for the monies to be returned. Well its been XXXX weeks and XXXX in a bind, Ive owed my landlord his rent and I have been able to live. I need my funds and its been over XXXX weeks now that this issue has persisted.
Consumer complaint received 2024-07-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (MN)

I'm on SSI and I applied for XXXX  discharge of my student loans and Nelnet is refusing to discharge the loans based on " secret guidelines '' they will not provide me. I sent them my SSI award letter that states my next review for SSI is 3-5 years away. They are refusing to use it as proof I'm on SSI. I called and asked to speak with the supervisor of the department to request the guidelines they used to refuse my application. The Supervisor who contacted me back was XXXX employee # XXXX. I asked her why my application was rejected. She stated they use " secret guideline 's '' She refused to show me these " secret guidelines ''. I asked to speak to another Supervisor or to file a compliant and she refused to take my complaint and then hung up on me. They wont give me any information about how or why they rejected my application except for a generic rejection letter that doesn't state which rule or guideline I broke. There's no logical reason they are refusing my application. I'm on SSI and have been since XXXX and my next review isn't till XXXX. The Supervisor was verbal and emotional abusive. She was so combative to me I was scared. They are refusing to work with me and stonewalling me at every turn. I have no where else to turn. Please help me. I attached my application and my SSI award letter that clearly states my next review is 3-5 years away which is listed as the requirement on their own website. They are just making up reasons to reject my XXXX. Then I asked to see the rule or guideline and apparently they are secret and not available. I can only imagine how many people that are XXXX Nelnet is rejecting based on " secret guidelines ''. There's no way it's legal for them to do this to me but they hold all the cards.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ProCollect, Inc. (TX)

I lived at XXXX XXXX XXXX XXXX  during 2022. At move in, I gave the complex the list of damages and detailed comments regarding my apartment and what I see, so documentation was noted and I would not be help accountable for previous damages. These damages included holes in the drywall, stains on the carpet, cable wiring damaged, scuff marks on the wall, and discoloration and markings on celling and wall. At move out, I had broken my ankle, and was in a boot, unable to walk. I informed the apartment complex of this, and explained that trash and boxes were a concern, so I would be expecting some kind of charge at move out. I received a statement 2 months after moving out of XXXX XXXX XXXX XXXX  with several charges that did not make sense and I believed were untrue. I requested an itemized invoice, copy of my ledger, and photos as proof. This was never sent to me. After speaking with a property manage, I was informed this would be corrected and fixed. This issue has yet to be corrected. 

The company then reached out, unable to provide any help. I requested statements, any information to show more details on balance owed. The company failed to do so. I follow up on the issue twice. I saw from previous complaint, as courtesy Procollect will extend a settlement for the amount of {$940.00}. I attempted to get the requested infomation prior to this, but the company failed to do so. This is now effecting my tenant screenings. When speaking wirh the company, employers are very rude and unkind. This has made it very difficult in getting answers to my questions.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

I made a payment back in XXXX for the full balance of the card, and never received a notice of any other payment. Ulta/Comenity charged a XXXX $ fee, and I was never notified until I saw the account was delinquent because Im in the middle of purchasing a home. This delinquent hit is negatively affecting my score, and I would like this updated.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (UT)

I have called Citi customer service to close my credit account and the agents push back repeatedly and will not process the closure. They then say they have to send me an email where I must click a link before closing the account. The email 's link does not work and they say that's the only way they can process a closure. I asked to speak to a supervisor and was hung up on. I have never experienced this kind of behavior from any credit card company when attempting to close an account.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NV)

I was notified by your company regarding an alleged debt. I have reason to believe I do not owe this debt because I do not recognize this information. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in the state of Nevada.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been a victim of identity theft and some of my accounts were compromised. After finding out about this, I immediately reported the concern to the credit bureaus. Some of the accounts on my reports are not even mine, some were used fraudulently causing unauthorized charges and negative remarks on my reports. 

Please delete this account and hard inquiry, they are fraud and not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Fraud inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts were compromised and are reporting late because of unauthorized charges. I need your help in removing the negative remarks on the account due to identity theft. The compromised accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached my generated FTC from http : //reportfraud.ftc.gov/ as instructed by the bureaus. I have also included here my ID, social security card, and proof of address.
Consumer complaint received 2024-07-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am XXXX XXXX XXXX XXXX, and I am personally submitting this complaint without any third-party involvement. I have attached letters providing detailed information about the entries on my credit report. I have never had a contractual relationship with Portfolio Recovery Associates , LLC, and I believe XXXX XXXX, the original creditor, sold my account without proper notification. This is a clear violation of FCRA XXXX regarding inaccurate reporting on my credit report. Please delete this account immediately due to the inaccurate reporting.
Consumer complaint received 2024-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (OK)

Received a call XX/XX/2024 from XXXX with a voicemail to call back about a debt. I called back, and the debtor has my same name but different birthday ( its not me, I have no debt ). I requested my name and phone number be removed from their call list and they stated they would. 

Received a call XX/XX/2024 from same phone number / same company. Stated I do not have any debt, I do not have an account, please remove my name and number.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (IL)

Disputed transaction XX/XX/year> from XXXX XXXX the company reached out to me XX/XX/year> letting me know it could take up to 90+ days, I wanted to know why is taking so long?
Consumer complaint received 2024-05-31
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. (NJ)

PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

My wife and I hold an account with Chase Bank. We had made a payment {$940.00} to XXXX using a check from our account, which unfortunately was stolen. The thief crossed out XXXX name on the check and replaced it with their own before depositing it at another bank. 
Since we still needed XXXX XXXX, we had to issue another payment to them while simultaneously dealing with Chase Bank. Each time my wife contacted Chases claim department, they informed her that they were attempting to contact XXXX XXXX  to recover the money. However, they are now unable to assist us further as we tried hopelessly to recover our money as it was due to Chase Banks failure to authenticate and their careless authorization that allowed the other bank to fraudulently withdraw our hard-earned money.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

PORTFOLIO RECOVERY ASSOCIATES  I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account :
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MI)

My account was in deferment. Then I paid it ontime every month. I moved in XX/XX/2019 and didn't get the bill at the correct address. I realized this 10 day 's past my due date. I called and paid off the full {$600.00} balance and asked for it not to be reported late due to only being 10 days late. They stated ok. XXXX is showing that it was paid on time XX/XX/2019, paid on time XX/XX/2019, XXXX 60 days late, XXXX paid on time and closed in XXXX of XXXX. First how can you be 60 days late if you were never 30 days late. Each credit bureau reports different information. I have disputed 3 times with each credit bureau and called AES and nothing has been corrected. I'm trying to buy a home and my credit score is one point lower than it needs to be. Without this my score would be higher.
Consumer complaint received 2024-08-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Yes, The auto loan company has not informed me about any debt collection whatsoever or made any plans with me, including the payment that is required after my car accident. The insurance paid half of what was remaining on the balance which was XXXX miles on the car and they expect me to pay the remaining I told him I can send what I can but currently I am not working so they sent all my information to collection without my notification.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

My credit card was charged through my XXXX account when it was hacked. I reported the fraud to XXXX and they said they would remove it. When they didn't I disputed it with my Credit Card company Citi Bank. Last week they closed the investigation saying I owe the charges. I spoke with Supervisor XXXX in the Fraud department and after asking me if I had every used XXXX in my life and I said yes she said then its not fraud. She refused to hear the details of my card being hacked. I have spoken with their department multiple times and they are just giving me the run around. The Fraud happened on XX/XX/year> and the Dispute began on XXXX. Today Citi charged me {$1300.00} and {$330.00} in my account
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC. (MI)

on XX/XX/XXXX my account was closed with sofi due to user agreement violations in which I disputed. The company in which I disputed eventually refunded me and shortly after the dispute was lost and I was found in violation. This was unfair in that the company I had the dispute with refunded me themselves and admitted there wrong doing. This happened in XXXX of this year. My account was closed XX/XX/XXXX with funds in them needed to not only pay bills but to attend a family members funeral. I asked for the date in which the check was mailed so I can make life arrangements. I have been told that it was mailed Thursday, Friday, and recently today I was told there is no way for them to tell when it was mailed. I am now being told it may be another week and a half before I receive the check. I just need to know when it was put in the mail so I can handle my life business. I am unable to without the funds from the account seeing this was my primary account.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.