davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation (LA)

Re : Account XXXX XXXX Dear World Finance I am writing in regard to the above-referenced account, which you have written off and reported as a charged-off account. However, I have noticed that there is still an outstanding balance being reported or pursued for collection. 

As per federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), once a debt is charged off or written off, it typically signifies that the creditor has determined the debt to be uncollectible for tax purposes. If the debt has been forgiven or cancelled, IRS regulations require creditors to report any forgiven amount exceeding {$600.00} on a XXXX form as cancelled debt, indicating that the debt is no longer owed. 

Moreover, if the creditor or collection agency is attempting to collect this debt despite it being legally written off or forgiven, this XXXX constitute a violation of federal laws. I respectfully request that you cease any collection efforts related to this account and update any credit reporting to reflect a XXXX balance. Kindly provide written confirmation that the debt has been fully forgiven and that no further action will be taken. 

If you believe this account has not been written off or forgiven, please provide me with detailed evidence, including any payment history, the current amount owed, and your legal basis for continuing to pursue collection on this account. Under the FDCPA, you are required to provide such verification upon request. 

Please consider this letter a formal request under the FDCPA to validate the debt and update any inaccurate information with the credit reporting agencies. 

I appreciate your prompt attention to this matter and expect a written response within XXXX  days of receiving this letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-05
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. ()

Dear Sir or Madam, Currently I live in XXXX. While I was reviewing my credit report in XXXX, I realized that 3 accounts were opened on behalf of my name. One credit card account and two car loans. I reached out XXXX XXXX  to report identity theft. In addition to that I filed an identity theft report on FTC site. I am sending attached a copy of this report. 

These accounts do not belong to me, Please terminate these accounts, close the accounts and remove them under my name. They should not appear on my credit report.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

Chase Amazon Prime Visa. States 0 % interest rates on certain purchases that offer promotion. They employ deceptive practices along with Amazon hiding check boxes to enable promotional interest. Then proceed to charge you the rates claiming you did not enable the promotion. I purchased from Amazon the XXXX XXXX XXXX XXXX power station. With 12 month 0 % APR. on XXXX XXXX. I was not charged an interest rate on my first statement on XX/XX/year>, i made my payment on time but then the following month I was charged. {$6.00} on my XX/XX/year> statement and then {$4.00} on my XX/XX/year> statement. I then called customer service. Where it becomes very difficult to get a representative to talk to about the issue. They employ a voice automated service that doesn't give you the option to reach someone until you've been on the line for about 15 minutes trying to get a hold of a human representative. Who then tries to manipulate the the conversation into stating that the option to receive the promotional rate was not enabled by the buyer when it was. But both Amazon and chase are colluding into making more money with deceptive practices.
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

Tuesday XX/XX/XXXX I deposited a check at a SDCCU ATM, the check was given to me from my mother for {$3000.00}. I immediately received {$1500.00} available after the deposit. 

The following day XX/XX/XXXX the remaining balance was released into my account. 

On XX/XX/XXXX I made a few purchases that pertained around my wedding, I purchased clothing at XXXX {$120.00} and XXXX {$81.00} and {$7.00}, but also same day returned an item at XXXX {$43.00}, purchased my husband and my wedding bands on XXXX {$84.00}, purchased gas at XXXX {$45.00}, and we went out for dinner to celebrate our wedding at XXXX  {$83.00}. 

Then on the evening of XX/XX/XXXX I tried making a payment for a purchase I had installments on, and my card declined. I checked my bank account to find that the check was blocked and the full amount of {$3000.00} was returned, leaving my account in the negative for {$350.00}. 

Today XX/XX/XXXX I called SDCCU to see why the check was blocked/returned and was given a vague answer, to which I was just told was some activity from my mothers bank. I called my mother who then told me to contact her personal banker at XXXX XXXX XXXX XXXX. When I spoke to her banker, he informed me that everything from their side was cleared, the check was approved, and their fraud department confirmed there was no suspicious activity ; but that SDCCU never actually pulled the money out of my mothers account, even though SDCCU went ahead gave me full access to the funds. 

I called SDCCU again to see if they were returning the blocked check to me, to which they said yes, but still never gave me a legitimate reason as to why they blocked the check in the first place.
Consumer complaint received 2024-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Tower Loan of Mississippi, Inc. (IL)

I have an issue repaying a loan and I am trying to consolidate my debt and would eventually pay it. On their web portal, there is no way to change the Autopay option and it is constantly overdrawing my account at the bank. They have been calling my son and wife who have no knowledge about my loan. They identify themselves and that they are from Tower Loan and that I should urgent cal them. Just by their identification, my son assumes the nature of the call. I have told them that I am trying to work iy out and cease and desist from call anybody other than me.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (NV)

In XXXX I went to my local XXXX XXXX XXXX XXXX located in XXXX XXXX, NV to pursue assistance with XXXX. I was advised to go to XXXX by XXXX XXXX XXXX XXXX XXXX. I checked in with a nurse that XXXX and I basically waited a few hours into separate rooms. One of the waiting room amongst other patients waiting to be seen and secondly, within the hallway where I was awaiting to speak with anyone for help on obtaining XXXX XXXX XXXX XXXX. By the time I waited in the waiting room, which was basically a hallway. I only met with the XXXX, not XXXX  that I wasnt able to be assisted, but I will still be charged for the visit. 

The death was obtained by Aargon Collection Agency. Earlier this year ( XXXX ) I did inquire with the agency for proof of debt which they were able to provide however, the bill never specified why I was charged close to {$840.00}. Furthermore, on XXXX XXXX, I did sent out a mail out to the agency and hopes of requesting to have the debt cleared Or if probable if we could arrange a lower payment amount to clear the debt. Over a month later, I have never received any response from the mail I sent out to Aargon Collection Agency.
Consumer complaint received 2024-10-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (NC)

I have been denied the following concerns due to the aggressive pressure to repay MOHELA {$610.00} per month, when they will not furnish me validation as follows : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt including principle, interest, & maturity date : Date that this alleged debt became payable : Complete payment history on this account along with accounting of all additional charges being assessed Provide agreement with the creditor that authorizes you to collect with valid copies of the debt agreement stating the amount of the debt and interest charges. 
Proof that the statute of limitations has not expired : Agreement bearing my signature stating that I have agreed to assume the debt. 
*Provide me with proof that you are licensed to collect in my state; and your license number & Registered agent. 
*I demand a copy of the original promissory note.
Consumer complaint received 2024-10-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I have been with XXXX XXXX that changed their name to Navient since XXXX. After I graduated from college my income was {$30000.00} a year I was not able to pay back my loans I ask if make a payment plan and pay the interest. The payment was XXXX a month in XXXX I return for my second degree I decide to still pay my student loan payment while in school. After I graduated my monthly payment in crease to XXXX a month to XXXX. Than I was approved for the XXXX so it was XXXX a month then it in crease to XXXX my income did not increase drastically I was still making low income salary XXXX {$230.00} I was not approved for the deferment and I had to go through XXXX especially during pandemic that it increase to {$430.00}
Consumer complaint received 2024-10-04
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: JPMORGAN CHASE & CO. (CA)

I received a bunch of denials from Pre-Qualification Inquiries that I did not do. From XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received these notices beginning of XXXX.
Consumer complaint received 2024-10-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Concord Servicing Corporation (GA)

I closed without a XXXX XXXX WAS TRANSFERRED TO CONCORD SERVICING CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. 

COPIES OF ASSIGNMENT SALE, TRANSFER WAS INCLUDED IN INITIAL COMPLAINT SUBMITTED XX/XX/XXXX. EMAIL WAS ALSO SUBMITTED TO THEIR CONSUMER SERVICING DEPT. DENIALS AND LIES ARE NOT AN EXCUSE FOR AN INCOMPLETE CLOSING PACKAGE AND PREDATORY LENDING. 
CONCORD LIED IN RESPONSE TO PREVENT CANCELATION REFUND. 
REFUND IS STILL DUE WITHIN XXXX OF INITIAL COMPLAINT. 
No TN DISCLOSURES DUE TO DUAL RESIDENCY, IDENTIFYING RESIDENT. 

Didn't view subject property, UNABLE TO ACCESS ACCOUNT UNTIL XXXX. 

PREVIOUSLY ADDITIONAL DOCUMENTS SENT. COMPLAINT CLOSED ERRONEOUSLY DUE TO CONCORD LYING. XXXX XXXX XXXX XXXX  AGENT IS CONCORDand XXXX XXXX. 
SUPREME COURT RULING NEEDS TO BE ENFORCED. XXXX CANCELATION ACCORDING TO TILACT. 

Recorded call confirming CONCORD SERVICING CORP XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (TX)

Per the Fair Credit Reporting Act, I am AGAIN disputing the following information that DOES NOT appear on my Experian consumer report : Wells Fargo XXXX XXXX lending account number XXXX This account is not being reported on my Experian credit file The account was opened XX/XX/XXXX For the past two years I have tried in vain to get XXXX to verify and report my Wells Fargo mortgage payment history of over 13 years. I have had the Wells Fargo mortgage since XXXX with an excellent payment history. I have repeatedly sent documentation from Wells Fargo showing they are reporting to XXXX yet no matter what proof I send, XXXX still refuses to report my mortgage history. I previously filed a complaint with the consumer financial protection bureau and Wells Fargo responded stating they don't allow personal reporting to credit files. This made no sense as I was not attempting to personally report but trying to get XXXX to verify my Wells Fargo account and actually report it as they should. I even hired a credit consulting firm who tried in vain for a year to get XXXX to report but still nothing. 
On XX/XX/XXXX I sent several documents to XXXX proving my Wells Fargo mortgage history and I have received no response back. I am NOT attempting to personally report my mortgage history, but am trying to get XXXX to verify and report it based on ALL the many documents I have provided proving my mortgage history. XXXX and XXXX XXXX both report my mortgage history. 
This error of not reporting my mortgage account kas kept my FICO score at least XXXX points lower than XXXX XXXX and XXXX. I was turned down for a loan due to insufficient credit history on my XXXX report.
Consumer complaint received 2024-10-12
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (TX)

US Bank mailed me a letter stating that I had funds owed to me from unemployment benefits in XXXX  in the amount of the letter states that I call a 1-800 number and speak with a operator and they could send my money or send me a new card when I call the number I got just the opposite I got told that they didn't know what I was talking about even though I had the property ID number calls and disconnect I finally got told that I could send in proof of identification and then my money would be sent to me I have used the app that they recommend and every time I put my identification in it tells me air has approved try again I have done that five times and I get the same results every time and error I just want the money that's right I have the letter how to claim my money which was all lies.
Consumer complaint received 2016-02-06
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

After my chapter XXXX BK ( 60 months plan ), I applied a refinancing with XXXX XXXX. XXXX XXXX disapproved my refinancing because my current mortgage Wells Fargo mortgage submit my 12 months payment history in error. Wells Fargo claimed that I was 2 months behind my payments. I have copies of 12 endorsed checks by Wells Fargo first week of each month for 12 months.
Consumer complaint received 2024-08-19
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: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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




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 XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (GA)

Sunrise credit collection purchased account from XXXX XXXX XXXX after repeatedly being notified of identity theft. Police report was submitted after notifying creditor of fraud. I XXXX XXXX asked for original contract agreement along with submitting evidence of previous violation of FCRA rights to fair credit reporting. Original contract agreement shows social security ending in XXXX which doesnt not belong to myself. Somehow, XXXX XXXX XXXX and Sunrise has linked this account fraudulently.
Consumer complaint received 2024-10-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I originally borrowed {$100000.00} from Sallie Mae, now Navient. 

Over nearly XXXX decades, I have paid Navient {$130000.00}. 

Today I owe {$100000.00} I was victim to the Navient Forbearance Scam that was settled with XXXX states. However, because I live in XXXX, I was not allowed any remedy. Instead, I have watched my interest rates fluctuate regularly, with some now over 10 %. 

Even more frustrating when I consider that Georgia was part of the settlement - a state where I lived during college, when I borrowed this money, to attend the The XXXX XXXXXXXX XXXX XXXX and Design. 

Early on, after graduating college, I had difficulty making the high payments. When I asked for an income based repayment program or to pay what I was able to afford, I was refused, required to pay a Forbearance fee that did not apply to my loan, and all of it was tacked back on. This happened multiple times, exponentially adding to my loan early on, which has no ballooned beyond comprehension. 

I have been a good citizen and customer here. I have paid far in excess of what I borrowed, yet, I've reduced my principle by less than {$2000.00}. 
I don't know what to do. I have contacted lawyers. I have contacted the Dept of Education. I have previously filed a complaint with he CFPB on XX/XX/year> ( ID # XXXX ), but was soundly rejected. 

Please, help.
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

On XX/XX/year>, vendor XXXX XXXX refunded a single transaction return in the amount of {$420.00} to my credit card through PayPal. 

PayPal immediately processed the refund, but for some reason the refund was split into XXXX amounts : {$200.00} back to my credit card, and {$210.00} into a PayPal balance account. 

When I received my credit card statement and noted only the {$200.00} out of {$420.00} had been refunded, I called XXXX XXXX customer service and they informed me that they had submitted for the full refund back to my credit card, so they advised me to ask PayPal for clarification. 

On XX/XX/year>, I reached out to PayPal by chat message to request clarification as to why the full amount was not refunded to my credit card, and to request that it be remedied. 

I chatted with XXXX customer service agents at PayPal, and both insisted that it was the seller/merchant ( XXXX XXXX ) that had submitted the refund this way. They also repeatedly offered that I could claim the funds from the PayPal balance by either linking my bank or card account ( that they already have on file ), but it does not provide the option to refund the balance to the card already linked. The other option is to request a paper check ( for a fee ). 

On XX/XX/year>, I called XXXX XXXX customer service again, and explained PayPal 's response. They researched the detail of my refund, provided me with access to the refund documentation showing a single refund transaction to credit card. They stated that if any split occurred in the refund, that it was not initiated on their end. 

Please find attached copy of the initial refund confirmation from PayPal, itemizing the split, my chat record with PayPal, and the refund detail from XXXX XXXX showing a single refund transaction to credit card for the amount of {$420.00}.
Consumer complaint received 2024-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (NY)

A fifteen year mortgage on our residential property at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, provided by XXXX XXXX in XXXX was assumed by Mr. Cooper ( " MC '' ) in or about XXXX. By letter dated XX/XX/XXXX, MC sent me a letter claiming that the commercial hazard insurance had expired in XX/XX/XXXX and that it would purchase such insurance unless proof of current insurance were supplied. Proof was supplied on XX/XX/XXXX by the insurance broker that a policy is in effect for the period XX/XX/XXXX to XX/XX/XXXX. MC refused to process the letter and sent a second letter dated XX/XX/XXXX threatening to purchase a policy. I resubmitted the XXXX, XXXX material on XX/XX/XXXX, which MC refused to process. On XX/XX/XXXX, at MC 's direction, I submitted the declarations page alone, highlighting the dates of coverage, which, on XX/XX/XXXX, MC again refused to process. The mortgage is scheduled to be fully paid in or about XX/XX/XXXX. It appears that MC is engaging in scam so that it will not return the escrow when the mortgage is fully satisfied. 
XXXX XXXX listing of complaints includes at least one other home owner who experienced the same consumer fraud and illegal debt collection practices committed by MC. The Loan Number is XXXX
Consumer complaint received 2024-10-04
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: Ability Recovery Services, LLC (MN)

ABILITY RECOVERY SERVICES , LLC wrongfully put a debt on my credit report that is not mine and due to identity theft. I also submitted a request for a verification of debt/contract and have had no response. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : ABILITY RECOVERY SERVICES LLC Account Number : XXXX