davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TN)

In XXXX, someone stole my identity and used it to attend a public university in XXXX in my name. I was completely unaware of this fraudulent activity until XXXX when I filed my taxes and discovered that they were being taken to pay off student loans for a college I had never attended. This has had a significant impact on my financial well-being and has made it difficult for me to support my family. 
As someone who has never set foot in a college classroom, it is deeply troubling to see my hard-earned money being taken to pay off loans for an education I did not receive. The fact that this identity theft has also damaged my credit score only adds insult to injury, as it now hinders me from being able to secure loans or make major purchases for myself and my children. 
Given the circumstances of this situation, I am requesting a full refund of the money that has been wrongfully taken from me over the years. It is unjust for me to continue bearing the financial burden of someone else 's actions, especially when it affects not only myself but also my ability to provide for my family. 
In conclusion, identity theft is a serious crime that can have far-reaching consequences for its victims. It is imperative that steps are taken to rectify the damage done and ensure that those responsible are held accountable for their actions. In this case, a full refund is necessary in order to alleviate the financial strain placed upon me due to these fraudulent student loans.
Consumer complaint received 2024-07-23
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: MRS BPO, LLC (NH)

MRS BPO LLC, a debt collection agency, first contacted me via text message XX/XX/year>. Prior to this initial contact, before first speaking to me about the alleged debt, MRS BPO LLC reported a major derogatory mark to my credit reports, significantly lowering my credit score, on or about XX/XX/year>. 

In the written notice MRS BPO LLC mailed me, their document failed to contain the account number associated with the alleged debt ( or a truncated version of that number ).

MRS BPO LLC failed, within five days after their initial communication with me, to send me a written notice containing a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ( emphasis added ). MRS BPO LLCs letter states they must stop collection on any amount you dispute until we send you information that shows you owe the debt. There is no information about obtaining verification and providing me a copy of that verification. 

I sent a debt validation letter to MRS BPO LLC on XX/XX/year>. MRS BPO LLC signed for this letter on XX/XX/year>. MRS BPO LLC failed to respond to my debt validation letter. This includes providing a copy of the verification of the debt, and the name and address of the original creditor. MRS BPO LLC seems to have now involved another debt collection agency, months later ( on or about XX/XX/year> ), rather than comply with the law. 

MRS BPO LLC added fees ( {$27.00} ) in addition to the alleged debt. MRS BPO LLC is attempting to collect additional monies without any evidence of express authorization by the agreement creating the alleged debt. In failing to respond to my debt validation letter, MRS BPO LLC failed to provide any legal standing as to the reason MRS bolstered the total amount of the alleged debt.

MRS BPO LLC continued to contact me via text message on XX/XX/year>, even after they received my letter on XX/XX/year> stating not to contact me by text message. 

In summary, MRS BPO LLC is using unfair means to attempt to collect an alleged debt. MRS BPO LLC failed to respond to my debt validation request. MRS BPO LLC has potentially negatively impacted my credit rating without due process. MRS BPO LLC has involved another company to harass me about an alleged debt. MRS BPO LLC is attempting to circumvent their legal obligations. 

Rather,
Consumer complaint received 2024-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Mortgage XXXXayment was remitted by XXXX XXXX XX/XX/year>, payment was not processed by mortgage servicer until several days later because of the XX/XX/year> holiday. Mortgage payment was refunded though XXXX XXXX because mortgage was referred for foreclosure. XXXX from XXXX XXXX XX/XX/year> mortgage was referred for foreclosure. Payment was remitted by XXXX XXXX XX/XX/year>. Banks mortgage servicer were closed for the federal holidays. Also letter states mortgage was due for XX/XX/year> that is incorrect payment was remitted XX/XX/year> that mortgage payment was for XX/XX/year>. Mortgage payments were in the time frame not to be referred to foreclosure. I am being penalized because of individuals within servicer employment not servicing mortgage payments applying them to the account. I have read our government compensates mortgage servicer for providing mortgage assistance. I am being treated unfairly, requesting my account be updated. Spoke with customer service with servicer verified payments received, this is the XXXX time servicer has not applied payment to my mortgage attempting to make mortgage go in default. See attachments
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (FL)

XXXX XXXX reported on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX andn XXXX, XX/XX/XXXX report to XXXX, XXXX, XXXX without consent Violation of 15 U.S.C. 1681 Section 602 : This section of the FCRA emphasizes the importance of accuracy and fairness in credit reporting. The late payment entries on my credit report are inaccurate and do not reflect my true payment history.

Violation of 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This section specifies the permissible purposes for which a consumer report may be furnished. The presence of these erroneous late payments on my credit report does not serve a permissible purpose and unjustly harms my creditworthiness.

Violation of 15 U.S.C. 1666b : This section relates to billing errors and the obligation of creditors to correct such errors. The late payments reported are erroneous, and the creditors have not fulfilled their obligation to correct these inaccuracies. 

In accordance with the Fair Credit Reporting Act, I am requesting that you investigate these matters and remove the inaccurate late payment entries from my credit report.
Consumer complaint received 2024-07-23
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: GOLDMAN SACHS BANK USA (NJ)

Hello, Please fix the reporting of 30 days late in XXXX of 2024. On XXXX XXXX apayment was submit ted. This payment was returned, and Apple did not notify me until I noticed my credit score dropped from the late reporting. Apple customer service claims that they emailed me on XX/XX/XXXX, to notify me that this payment did not go through, but I did not receive anything. Apple customer service also admits that they did not try to contact me in an alternative method, such as a phone call, text, or paper mail. I have attached a screenshot of my emails from XX/XX/XXXX, there is nothing in my inbox. 
I would like this corrected as soon as possible. I am trying to purchase my first house, and this is hurting me. While there was some fault on my side, I do believe I should have been notified to submit repayment. Please call or email me with any questions.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/year> I XXXX, XXXX received a verifiable email from CAPITAL ONE bank stating my XXXX statement was ready. I never open any bank accounts with CAPITAL ONE ever!!! This was done without my knowledge, consent or permission. I called immediately to make them aware of this issue. I was told the account would be closed after I asked how it was ever opened in the first place
Consumer complaint received 2024-07-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/year> while applying for a mortgage loan with Chase Home Lending, Chase loan officer XXXX XXXX advised I would need to pay {$500.00} as a promise to continue with the financing. XXXX XXXX XXXX, this amount would be refunded at closing or if financing were denied. The process exceeded 90 days, financing was denied, then approved only after seeking alternative financing. Later, Chase Home Lending denied me again. I questioned the {$500.00} refund which Chase later advised was appraisal costs, Chase advised it would not be refunded. Chase Home Lending then refused to provide the appraisal to XXXX XXXX and I had to purchase an additional appraisal prior to closing.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CHARLES SCHWAB CORPORATION, THE (CA)

On XX/XX/XXXX and XX/XX/XXXX, the merchantXXXX XXXX XXXX charged me {$270.00} twice ( Total {$550.00} ) for rental application ( {$75.00} ) and administrativefee ( {$200.00} ). The administrative fee was promised to be waived because my employeris their preferred employer. However, they refused to honor their promise on both transactions. I requested a refund ( total {$470.00} ) from them, but they ghosted. I reached out to Schwab to ask for help and advocate, they filed the claim, asked me to submit the relevant document, but they denied the claim quicklyon the ground they have no recourse. That's not helpfulor advocatingfor me.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX unauthorized transaction ] associated with my account, citing violations of my rights under 15 USC 1681 and 1666b. The specific provisions state that : I am writing to formally dispute late payments charge, a billing error, an 15 USC 1681 ( Privacy Rights ) : I have the right to privacy regarding my personal and financial information.

15 USC 1681 ( Section 604 ( a ) ( 2 ) ) : A consumer reporting agency can not furnish information about my account without my written instruction.

15 USC 1666b ( Credit Card Account Rights ) : A credit card account under an open-end consumer credit plan must adhere to certain protections, including investigations into unauthorized transactions.

The details of the transaction in question are as follows : Upon reviewing my records, I have identified discrepancies that lead me to believe there has been a violation of these statutes. 

of 15 USC 1681 and 1666b. This includes correcting any inaccuracies promptly and providing me with written confirmation of the resolution. it also states a consumer reporting agency can not furnish an account I request that you conduct a thorough investigation into this matter in accordance with the requirements without my written instruction under 15uscs 1666b a credit card account under an open-end consumer account credit plan as late for any purpose, unless The information in section 1637b was mail to the consumer not later than 21 days Please acknowledge receipt of this dispute within 21 of days as per your local regulations or company policy please inform me of the steps you are taking to investigate and resolve this issue.

I would appreciate a timely response outlining the steps that will take to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action...
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have found false and misleading information on my consumer report which violates my consumer rights according to the FDCPA, GLBA, RFPA, & FCRA. 15 USC 1681a ( 2 ) ( B ), 15 USC 1681i disputed accuracy, 15 USC 1681s responsibilities of furnishers of information to sonsumer reporting agencies, 15 USC 1692g validation of debts, 15 USC 1692e false or misleading representations, 15 USC 1681b permissible purposes of consumer reports, 15 USC 1681c-1 protection of consumer information, 15 USC 6801 protection of nonpublic personal information, 15 USC 6802 obligations with respect to disclosures of personal information, 15 USC 6803 disclosure of institution 's privacy policy, 12 USC 3403 confidentiality of financial records. Im sure the immediately removal of these accounts and inquiries will solve the problem of the laws that you are in violation of.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My card was skimmed and was used to make fraudulent charges, USAA closed my bank account which I had no problem with and they told me I would receive the funds in my bank account within XXXX days, and it has been longer than XXXX days and they havent sent me my check. The check being my XXXX XXXX XXXX XXXX because I am XXXX XXXX XXXX and I rely on that money to live my life and take care of my minor child. I couldnt even pay rent last month due to them taking my direct deposit from the XXXX
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Upgrade, Inc. (MI)

I can not give many accurate dates, times, etc because these Upgrade accounts were opened without my knowledge. I have been fighting with this company trying to explain to them that these cards or loans were opened and used using my personal information. Every time I try to explain this to the company and the credit reporting agencies, they seem to disbelieve me and side with this company automatically. I am never going to pay a debt that is fraudulent. I have explained to everyone involved that my information was stolen using a variety of unscrupulous tactics to obtain these fraudulent accounts. In the past couple of years, I have received documentation from the XXXX XXXX XXXX XXXX in Washington DC stating that my personal information has been compromised and used. Also I have received several letters from large medical facilities where I was a patient that stated that their systems were hacked and my personal information was compromised as well. These are fraudulent accounts and I am asking that they be removed from my credit reports.
Consumer complaint received 2024-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (IA)

I have a vehicle loan with 53.com. I setup automatic payments through their website but they do not seem to be withdrawing the funds, the amount shows as drawn from my account but my accunt does not show the funds being withdrawn. I have attempted to call their customer service numbers and use their opnline support but this seems to lead to nothing, there is no response regardless of what communication method I employ. The online customer service doesn't actually exist. There is no link on their website that will lead to a customer service chat or call. I have made several phone calls to their customer service support lines that are listed in various locations but they seem to never answer any requests.
Consumer complaint received 2024-07-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (PA)

I have a HELOC that was transferred from SLS to SLS by Shellpoint. My HELOC is a fixed rate of 7.775 %, I have been paying a fixed amount since the beginning of my loan of {$630.00}. I have all my statements to show. My monthly amount has changed from {$630.00} to {$780.00} and they said its bc HELOCs have variable rates, and that's true, but again, my loan was a fixed rate, this was in the closing documents. No one has gotten back to me and its been weeks. They can not change the terms of the loan. I've attached a copy of my first statement and our last statement which shows the fixed amount. 

They finally took out my payment, which was another issue that has resolved for now.
Consumer complaint received 2024-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (TN)

XX/XX/XXXX : We recently did improvements on our home so we updated our homeowners policy. That resulted in a change of premium so I contacted Flagstar Bank to update them. After reviewing our insurance info I thought I should also verify the tax info since our county recently increased rates. I pulled up our account at the county and found that our property taxes were UNPAID, past due, and accruing late fees. We own two lots, one lot was paid, and the other was not. 
I called Flagstar back on XX/XX/XXXX to bring this to their attention. Flagstar blamed me, and the county, for " not making sure they paid the taxes ''. The Flagstar rep was able to pull up both tax lots on our account, but was unable to determine why one was paid and one was not. She opened case # to investigate the issue.

We didn't want to leave our taxes unpaid, and accruing late fees so we proceeded to pay the past due balance outside of escrow. This was done on XX/XX/XXXX. 
On XX/XX/XXXX we also called our original loan broker to ensure that BOTH lots were included in all paperwork. We reviewed the closing docs and loan paperwork and found that yes, both lots were included in all paperwork so Flagstar should have been aware of both lots. 

XX/XX/XXXX : I received a follow up call from Flagstar. Rep was XXXX. 
I was told when the loan was sold/transferred to Flagstar the paperwork only included 1 lot so thats why theyre only paying taxes for 1 lot. But in the same phone conversation she verified pulling the title/loan paperwork and seeing two lots. 
Per XXXX XXXX 's tax team is in the process of contacting XXXX XXXX to verify the second lot info/ownership so it can be added to the escrow account. After that they'd need to do and a new escrow analysis. The ETA for resolution is XX/XX/XXXX We waited, and waited with NO COMMUNICATION from Flagstar Bank. No phone calls, no emails, no letters, etc. They completely disappeared. 

XX/XX/XXXX - XX/XX/XXXX : We've since gone through the long process of cancelling our escrow account so we can manage & pay our taxes and insurance directly to ensure they are actually paid.

This resulted in us being fined {$700.00} by Flagstar Bank to close escrow. 

As of today, XX/XX/XXXX we've still not gotten any info from Flagstar Bank on the issue.
Consumer complaint received 2024-07-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC. (PA)

My report is showing two accounts that are charged off/written off, SANTANDER USA account number XXXX and XXXX XXXX account number XXXX. According to 15 US code 1681c ( c ) this information should not be reported on my consumer report. These accounts should not be reported as negative on my consumer report I am requesting a 1099c form which I never received to make sure they were in compliance they are violating 15 USC 1681eb for reporting information that is not one hundred percent accurate. These accounts should be removed immediately.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/XXXX I was made aware that Paypal had limited my account and I had no longer had access to use my account. I called them and was told I would have to wait 120 days and then I would be able to receive my balance. The total balance was {$8100.00}. I called after 120 days and I was told to wait 180 days. I also made them aware that I no longer had access to the email that the account was setup on because it had been hacked. I tried to have an account manager change my email so that I could up updated when I would have access to my remaining balance. On XX/XX/XXXX I called because when I noticed my account balance was now at XXXX. I also noticed that a transaction on XX/XX/XXXX had been made for the full amount to a XXXX XXXX account which was not the bank account that was always associated with the account. The XXXX XXXX account then refunded the total amount of XXXX on XX/XX/XXXX. I have never had a bank account with XXXX  so I have no idea how that information got onto my account. Then on XX/XX/XXXX XXXX different transactions were made to withdrawal all the XXXX balance on my account. When I spoke with an agent I told them I didn't even have access to my account since XXXX of XXXX so there is no way I sent those payments. The agent told me they would open up a fraud investigation and that it would take 10 days to resolve. The agent gave me a case # of XXXX XXXX When I called back 10 days later another agent told me that she could not access my account that she would a higher department call me back with information about how to recover my money. There were also new addresses and bank accounts on my paypal account that are no way associated with me. I have never received a call back from anyone with Paypal. I not received any of my remaining balance of {$8100.00}.
Consumer complaint received 2024-07-22
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: ALLY FINANCIAL INC. (MI)

Upon checking my credit report, i noticed these unauthorized inquires on my credit report and have suitable reason to believe that i may be a victim of identity theft. Please Correct this, In accordance with FCRA 15 U.S.C 1681 Section 604 A section 2 states that i have a right to privacy. 15 U.S.C 1681 Section 604 a Section 2 : also states a consumer reporting agency can not furnish an account with my written instruction. Please handle with haste these inquires that were not authorized by myself : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX