davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (CA)

Since Fay Servicing took over as our servicer in XXXX, they have charged us Inspection Fees, Other Fees and Charges, and Recoverable Corporate Advancement Fees. Every single month. Sometimes totaling up to {$5000.00}. I have statements since XXXX XXXX. 
Our First Modification in XXXX took 3 times. each time missing paperwork. Never complete. Each time as new agreement with higher mortgage payments and Notice of Trustee Sales put on our Door. While Modification was still in process.

When modification agreement was completed, they put the outstanding payments behind the loan but also charged us as late payments each month. Using our monthly mortgage payments as a partial payment and applying nothing to our mortgage. When asked why they never would respond and suddenly we were in foreclosure for not making mortgage payments even though we were. We obtained a lawyer got out of foreclosure, did a modification they had refused to accept from me by myself, and were past our trial period. Then the same thing happened again. Suddenly the agreement was not final. We were missing a page. The modification payment got raised. Our house is in foreclosure. 
All the while since XXXX, the continues fees and partial payments they charged, have added up tremendously. I have my bank statements and Fay Servicing Payment history and they do not match.
Consumer complaint received 2024-10-15
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (IN)

I bought my Amex Gift Card, Loaded it {$500.00}, Activated it and kept it save, not until its time to make use of my card for online purchase and it kept declining, not until I spoke with an Amex customer care representative and I was confirmed that the card has been charged for {$490.00} without my consent. Please I need help with my money cuz Amex is not really Helping, thanks
Consumer complaint received 2024-10-14
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: CITIBANK, N.A. (OH)

I ordered the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on Sun, XX/XX/year>, it has already been XXXX  months and i still have not received the product. 
Every time i contact them they told me my order is being fulfilled but due to large volume they are unable to give me estimated time of delivery. They created a shipping label but the item was never shipped. My last attempt to contact them to ask for a refund was met with no response I contacted my bank citi to initiate a dispute they told me to mail in documentation, which I did. I provided my receipt, purchase invoice, a shipping label created that was never shipped, and every interaction I had with XXXX customer service. They told me they can not look into the transaction because it has been too long and I need to reach out to XXXX directly XXXX name : XXXX Email : XXXX XXXX
Consumer complaint received 2024-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Delete this account XXXX XXXX XXXX # because the Date of Last Active is inconsistent. 
TRANSUNION XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>. 

Please send me a new report reflecting these changes. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2019-08-07
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: EQUIFAX, INC. (IL)

TO WHOM IT MAY CONCERN EQUIFAX IS THE ONLY CREDIT BUREAU SHOWING WRONG INFORMATION ON MY CREDIT REPORT I WOULD LIKE A FULL INVESTIGATION WITH MY SIGNATURE SOMEONE WENT TO A SCHOOL IN MY NAME THIS IS NOT ME PLEASE HELP.
Consumer complaint received 2024-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-10-17
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: OneMain Finance Corporation (VA)

ON XX/XX/XXXX I SENT A CEASE AND DESIST TO ONLY MAIL CORRESPONDENSE ABOUT THIS DEBT AND SINCE THEN YOU HAVE CONTINUED TO EMAIL ABOUT THIS DEBT WHICH IS WELL AGAINST THE FDCPA XXXX XXXX ( b ) ( XXXX ) ( i ) prohibits a debt collector from communicating or attempting to communicate, including through electronic communication media, at any unusual time, or at a time that the debt collector knows or should know is inconvenient to the consumer. 
I HAVE EVERY EMAIL YOU'VE SENT SINCE I ADVISE TO STOP EMAILING ME, THIS DEBT WAS WRITTEN OFF. YOU HAVE BEEN EMAILING ME SINCE XXXX AND CURRENTLY IN XXXX THIS SHOULD NOT BE ON MY CREDIT FILE. IT NEEDS TO BE REMOVED ALL TOGETHER FROM ALL XXXX CREDIT FILES ( XXXX, XXXX AND XXXX )
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

Chase gives 5 % reward point to this credit card when purchasing tickets from live entertainment or theater. I bought some tickets from XXXX XXXX and XXXX XXXX XXXX, which are very famous music hall and theater providing live music. Chase gave me 1 % reward point because they said the entities registered as charity. People all know that these are music halls.
Consumer complaint received 2024-10-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CT)

My loan was in deferment for some time due to me not being able to make my payments. They then reported me to the credit bureau 90 days late in XXXX and XXXX of XXXX. This hurt my credit score tremendously and caused my auto insurance premium to go up a {$120.00} a month. When I contacted Navient they told me I've exhausted my deferment because I am now working and I make a 'good salary '. I make a less than middle working class salary. I've tried to ask them to remove the derogatory marks off of my credit score and told me I need to write them a letter which I have and I have not received any response from them.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (WA)

I needed to transfer a balance from a different bank 's card, so I applied for 21 month/ 5 % balance transfer offer with Wells Fargo XXXX I did not want a hard request on my sparkling credit history, but the offer was too good to pass. Boy, if only I believed all those negative reviews online! I was approved for {$12000.00} credit line ( online ), and two options were offered : " Set up your account '' and " Transfer balance ''. I've decided to set up my account first and request a balance transfer from there ( as I did many times before with different cards ). Big mistake. When I tried to use the offer, I got a message " Sorry, this service is not available now, please request a balance transfer by calling ... ( customer service number ) ''. I really don't like calling any customer service, because between my accent and their accents it is usually not a very good idea. But I called. And was told, that I have to wait until I get a physical card in the mail! That did not make any sense for me, since I need my balance transferred now, and this was the whole reason for applying on the first place, so I asked to cancel this card. Again- no! I can not do it, I have to wait several days. Anyway, I already transferred my balance to another card, and I don't ever want to see Wells Fargo card in my wallet.
Consumer complaint received 2024-10-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I applied for the School Misconduct Discharge Application on XX/XX/year>, I was notified they received the application on XX/XX/year>. I was notified of my denial on XX/XX/year>. I spent two months on this application looking up evidence of the misconduct from attending The XXXX XXXX XXXX Minnesota from XXXX. I had got a private loan from Navient not knowing the difference between a federal and private loan as it was never properly explained to me, which I stated with names in my application. I spoke with a Sr. Customer Advocate through Navient- XXXX XXXX  and she told me I would not need any documentation from the internet as far as lawsuits and other information found as far as The Art Institutes being predatory as they already knew all of this information she said to make it personal. Which I did, I gathered evidence that Navient was looking for to prove they were taking advantage of students and mislead students and myself into these astronomical private loans. I have already paid XXXX and still owe XXXX for ONE year of school!!!! I was in shock and disbelief that my application got denied!! When I called and asked for a reason they did not give me one instead saying it was stated on my denial letter which said ( copied and pasted ) Misconduct Discharge has been denied.

Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 
What kind of answer is this!? I gave my everything and all the evidence they needed for it to be approved. I am at an all time low and disgusted with the denial of my application which should obviously should have been approved. They instead sent me another application. I told them I can not afford these payments any longer nor can my father who co-signed not knowing what he was getting into or understanding that this would be a financial nightmare from a predatory school and loan company. I am a victim and am looking for clarity, justice and a chance to breathe again. These private student loans through Navient NEED TO BE DISCHARGED. There have been several lawsuits for Navient federal student loans, what about the PRIVATE STUDENT LOANS WHERE WE WERE PRESSURED INTO GETTING WITHOUT KNOWING WHAT THAT MEANT!? I want to know EXACTLY why my School Misconduct Discharge Application was denied for attending an OBVIOUS for profit, predatory school and I dont want a vague statement or explanation. I want to know specifics. I also want these loans to be discharged. I proved it enough that the Art Institution I attended was a school of misconducttheyre all almost closed down and the one I attended is closed down. I want answers.
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MA)

I am an XXXX XXXX service member currently receiving benefits under XXXX with Amex. I have been trying to extend this benefit to my wife since XXXX this year but I have been getting rejections. I have reopened so many cases under my account and my wifes but the results is always the same. There was this time I made a request under her account for the XXXX but she was reviewed under SCRA. Another case was reopened to fix the issue but was told she didnt qualify. Button line the process has been a mess and have left us with no alternative. I am hoping this will be the last request. 
Thank you
Consumer complaint received 2024-10-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MA)

I have attempted to dispute with XXXX, XXXX, and XXXX with both XXXX and XXXX disputes being declined. I have re-opened the disputes, as my XXXX balance was paid in full and nobody ever attempted to collect. I had never received any email, mail letter, phone call, or any information regarding this collections account until I noticed it was reported by XXXX XXXX. XXXX has been paid in full, on time each month and evidence has been provided to the credit bureaus to reflect this. Regardless, this incorrect balance remains on my credit and nobody has ever attempted to collect on this debt.
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX LVNV Funding XXXX XXXX XXXX XXXX, SC, XXXX VERIFICATION OF DEBT REQUEST RE : ACCT # XXXX Dear LVNV FUNDING, I am reaching out to you about the debt you are trying to collect.. This letter is being sent to you pursuant to the Fair Debt collection Practice Act. 15 USC 1692G, SEC 809 A AND B WHICH STATES YOU MUST SUPPLY THE FOLLOWING INFORMATION. I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
You must provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This prof must include. 
The complete and signed contract for the debt obligation which is the subject matter of this dispute. 
An itemized breakdown of what you claim the money is owed for. 
Explain and show me how you calculate the amount in dispute. 
Provide me with copies of any documents, ledgers, spreadsheets etc., that show that I agreed to pay this amount you claim I owe. 
Identify the original creditor. 
Identity the accurately describes any third-party cost for which you are charging me and that you have included in the disputed amount along with a complete itemized of all such charges. 
Provide me with any affidavit that the Statute of Limitations has not expired on this account. 
Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine. I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : a ) Violation of the Fair Debt Collection Practices Act. 
b ) Defamation of Character. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO. (TX)

Branch : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Check amount : {$1000.00} Cashier name not provided : Female with XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to go to Chase XXXX located on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to cash a Chase check. I do not have any open accounts with Chase. The teller said I would be charged {$10.00} to cash a check which I agreed. She handed me the cash and put it in an envelope and sealed it. Before leaving I opened the envelope to see the receipt but there was no receipt. I asked if she could give me a receipt for my transaction and she refused. I then stated again that I wanted a receipt and again she refused she was not going to give me a receipt that there was no receipt which is extremely odd. She said mentioned something about the {$10.00} fee again but that does not explain or has anything to do with my wanting a receipt. This is extremely worrying that a transaction involving money would generate no receipts and that upon asking for XXXX they would blatantly refuse to comply which is why I am reporting them accordingly. I had to leave but have since tried to call customer service but they are completely useless, the agent did not know what to do in fact I'm not sure he understood what I was asking. I also tried to contact support through x since those are the XXXX only options on the Chase website for non customers.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Io, Inc. (FL)

I mailed this company a letter on XX/XX/year>, asking for validation of such debt and also requesting the purchase agreement of such account. 
This letter was mailed USPS Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX The company signed & received my letter on this date : XX/XX/year> This company never responded back to me. 
I have noticed this company keeps updating inaccurate information as well as increasing the balance on this account to the credit reporting bureaus. I just dont understand, I never received anything from this company about this debt, nor do I have any contract with them for them to keep increasing the balance, nor did they ever respond to my certified mailed letter. 

*Copy of the written request sent to company attached. 
*Copy of the USPS CERTIFIED TRACKING RECEIPT attached. 
*Copy of signature from company that they received my letter. 
*Copy of my credit karma account showing this collection balance increasing.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay. But a notice to request validation. 

Under the Fair Debt Collections Practices ACT ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' I am requesting a validation that is competent evidence that I have some contractual obligation to pay you. 

Please provide at least the following information within 30 days from the date your receipt of this request for validation : Name and address of alleged creditor : Name on file of alleged debtor : Alleged account # : Address on file for alleged debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Copy of the contract and any amendments as this will show what the terms of the contract are so I can see if you are following this in the amount you are trying to collect from me : Statements related to this alleged cellphone debt because I need to see all charges, payments, credits, etc. to compare this with the contract and see if the amount you are claiming is correct Was this debt assigned to debt collector or purchased? 

Purchased agreement if the debt was purchased so that I can see if you really own this debt : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay creditor : If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AR Resources, Inc. (NE)

This complaint is in regards to a company falsely claiming to be another company in Pennsylvania. This complaint is in regards to : AR Resources , Inc XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX This company has consistently harassed me for over six months with robo calls. When I call back, they shout a social security number, address, license number, date of birth, etc., without verifying who I am. When I ask about the alleged debt, they hang up on me. They consistently violate all Fair Credit Billing Act rules. They refuse to stop calling, refuse to provide any information about the creditor, amount, and their contact information. They use abusive language and if contact or further credit reporting continues, I will be filing a civil suit. If contact still continues, via robo call, mail, or phone call, I will proceed with criminal harassment charges. 

I am now doubtful that this is actually a legitimate company and not a scam. To give personal information before a caller even identifies themselves constitutes identity fraud which I will be pursuing.
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: JPMORGAN CHASE & CO. (GA)

I received balance transfer checks advertising 0 % ( promotional APR through billing cycle that ends in XX/XX/XXXX. When the promotional period ends i would be charged 27.49 %, the standard APR. 
to use the check, and obtain the 0 %, i needed to pay 5 % flat fee for the amount. 
i used a check for {$15000.00}, was charged {$750.00} and am still being charged interest on the {$15000.00}. 
In XX/XX/XXXX i had an {$810.00} charge i changed to pay over time, offered by Chase, also paying a monthly fee. I have {$67.00} left on that charge. 
When i called about the interest being charged they told me that because i had a pay over time charge in progress, i didn't qualify for the 0 % interest on the balance transfer. 
i told them i would pay off the balance of the card, but i wanted the {$750.00} ( 5 % flat fee refunded ). 
they said this was addressed in the credit card terms when i first opened the account, obviously in fine print and a trick. I would like to not be charged interest or have the {$750.00} flat fee refunded.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NE)

Ive received a notification from XXXX XXXX that a company by the name of Spring Oak Capital LLC reported a debt owing {$860.00} of a balance they alleged for an account opened in XX/XX/XXXX. I have never received any written notification of this alleged debt nor have I opened any accounts with this company. I dont know what this debt is and I have no accounts with any debts owing {$860.00}. I need proof of this debt and why it suddenly appeared on my XXXX profile as of XX/XX/XXXX. Its not my debt I would like it removed from my credit report and verified what this debt is. I have no knowledge of any correspondence of any debt owing from this company on XX/XX/XXXX. I am requesting this company show how this debt was acquired and also show proof that I agreed to pay this debt. Due to this situation my credit score took a tremendous hit. This debt is false and is not mine and it needs to be removed immediately.