davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (OH)

Bought house XX/XX/2022 Interest rate was 6.75 % Monthly payments were XXXX. 
Since than I have had 6 escrow analysis which all in turn showed a shortage which bumped my mortgage from XXXX to XXXX to XXXX to XXXX in XXXX. 
I have questioned freedom mortgage acct # XXXX continually but always get the same explanation of taxes increase. 
I have not even been in my house 2 years and taxes have increased 4 times. 
I am currently refinancing with Rocket Mortgage using a Veterans streamline loan so I will get some relief from what freedom did to my escrow but my escrow needs to be inspected because if they can rob a XXXX Veteran who mind you is XXXX XXXX  XXXX than imagine how they take advantage of other customers Thank you XXXX XXXX XXXX
Consumer complaint received 2024-09-16
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: Resurgent Capital Services L.P. (TX)

On XX/XX/year> and XX/XX/year>, I requested a verification of debt servicing and a request for debt validation for both collection and servicing to be able to report this information to my credit report. On both occasions the following companies failed to validate the debt on all 3 bureaus ( XXXX, XXXX XXXX, and XXXX ) : Loan ME LVNV Funding XXXX XXXX These three companies are reporting inaccurate, incorrect, and invalid on my credit report to provide information that they are not legally allowed to report information to my credit report pursuant to the following statutes : 15 US Code 1681 ( 4 ) 15 US Code 1681 ( A ) 15 US Code 1681 ( E ) 15 US Code 1637 Per the laws and regulations stated above, these items must be deleted from my credit report within the next 7 days.
Consumer complaint received 2024-09-16
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

In XX/XX/XXXX when I attempted to make my credit card payment on their website, there was an error and their site was not available. I called XXXX XXXX  to make a payment over the phone and was told that there would be a fee for that service that I did not want to pay since it is fee on the website. Upon complaining about the site being down, I was offered a refund of a late fee for the inconvenience and was told that it would take a billing cycle to appear on my bill. Their late fee is {$30.00}. A little it later that day I was able to gain access to the website and made a CC payment, paying it off in full. I didn't receive another bill until XX/XX/XXXX and that bill reflected a larger balance due. I called XXXX XXXX to inquire about the charges as I paid the account off in full. I was told that I was only given a {$15.00} refund of the late fee and because that wasn't paid ( I had not received a bill for it ) an additional {$30.00} late fee was applied as well as the original {$15.00} refund was reversed PLUS interest making my new balance ( on a paid off card ) {$63.00}. I was told the phone call would be reviewed and a supervisor would call me back with the finding. Now the collection department is calling me, even though the payment isn't due until XX/XX/XXXX ( according to my bill ). I called them today XX/XX/XXXX to again inquire about the status of the account review, got passed around to multiple " supervisors '' and was told that on the XXXX phone call, I was told that the refund would only be {$15.00} and since it wasn't paid the additional late fee was applied to the account. I asked to if I could review the phone call from XXXX and was refused. I was told that I could file a dispute and that I would have to MAIL it to them. They have no electronic way of accepting that. There has been no resolution, they didn't even offer to apply the original credit that was ultimately reversed. I was told that my only option is to pay the balance due, which is now {$66.00} because of interest. Since this is the way they want to conduct business, I cancelled my credit card with their institution. I would like my account to reflect XXXX due as I paid it off in XXXX and the current balance is due to assessment of late fees that I don't feel should be applied.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KS)

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

Account name : XXXX XXXX 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 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 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 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 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 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 has violated my rights.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

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

Account name : XXXX XXXX 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 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 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 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 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 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 XXXX XXXX XXXX
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

I was charged XXXX $ by chase credit card at a XXXX  air port because they refused to return the cigarettes I bought form their duty free. I made the purchase without knowing they have that much taxes .no on spoke English in the air port not document I sign was in English. I couldnt understand what was written or what was in Spanish language. 
I was surrounded by police officers who dont speak English. I tired many cards I have in my possession but non of them worked. The XXXX customs asked me for a {$200.00} as a bribe but i refused to pay. I did it know how exactly they charging me. I filled a despite with chase but they never grant me the XXXX. XXXX is a lot of money in now days economy I believe my the decision you made regarding my claim is extremely unfair for the fallowing reasons, I never considered the facts around this situation, for example I was in a foreign country not able to understand the language The papers i signed was in a foreign language I was detained in a airport I offer the police so many times to return the products i bought and they refused to take it. 
It is unfair for me to be responsible for {$700.00} this amount to high comparing to the products I bought They threatened me to go to jail.
Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MA)

I initially filed a complaint about Nelnet Student Loan Services through the Consumer Financial Protection Bureau, compliant # XXXX. Nelnet incorrectly marked me as graduated and unfroze my student loans. I had seen I had noticed an upcoming payment marked for XX/XX/XXXX in XX/XX/XXXX, despite being enrolled full-time and contacted Nelnet at this time. They assured me it would be corrected by XXXX and to leave it be. XX/XX/XXXX came around and it was not corrected. They informed me that my university ( XXXX XXXX XXXX XXXX XXXX ) told them that I was graduating in XXXX, this was inaccurate. I contacted my university 's graduate student office, the bursar, and the registrar at this time and confirmed that this was absolutely not the case. Nelnet requested that I provide proof of enrollment for the Spring and Fall, which I provided. It was still not corrected, I believe there were 4 or 5 instances of me contacting them throughout this time. After filing my initial complaint, I received notification on Nelnet letterhead that this was resolved and I would not owe payments until XX/XX/XXXX ( I am expected to graduate on XX/XX/XXXX ). This letter was received through this platform on XX/XX/XXXX. 

Despite all of this, my student loans were once again unfrozen and interest has accrued on federally subsidized loans once more. My account indicates that I owe a payment on XX/XX/XXXX. I contacted Nelnet immediately upon noticing this on XX/XX/XXXX. Initially, they told me the same response we had been through ( that the university told them I graduated ). I cited the letter they sent me on XX/XX/XXXX, my previous communications with them, and the proof of full-time enrollment material I had provided them months earlier. They stated they could not explain why this mistake occurred, apologized, and said it would be resolved and reflected on my account with in 14 days. It has now been 14 days and this was not resolved. I am contacting them again today.

At this point, I believe that Nelnet has extended beyond deniable incompetence and entered the realm of malpractice. {$27.00} interest has accrued on federally subsidized loans illegally, as I have maintained full-time enrollment throughout this entire period. This interest should be removed immediately and my loans should be re-frozen. At this point, I have spent hours of my time dealing with their customer service and filing these complaints and I believe I am also entitled to partial student loan forgiveness. I believe this is a predatory practice where they hope people do not notice them illegally unfreezing subsidized loans and then capitalize on the extra money owed for interest and missed payments.
Consumer complaint received 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (PA)

I have had my mortgage 20 years with WF. XXXX  mortgage i pay 1/2 monthly payment every two weeks auto debit. Yesterday. payment just adjust to a new bi-weekly principal and interest pay {$1700.00}, making the new monthly payment {$3700.00}. Previously, my bi-weekly payment was XXXX and monthly was XXXX. This is almost a $ XXXXmonth increase. It is an old loan they acquired from World Savings and they don't understand it. At the above rate, i will pay off my XXXX principal balance in less than 5 years, but i have a 30 year mortgage and i want it for the full 30 years. Just yesterday i had the first " new '' bi-weekly payment taken out and i need it to stop ASAP please. I have no comfort level in WF taking care of this properly or timely as i have received no calls back and have had to call them. I notified them XX/XX/year> and each day since and there is no sense of urgency on their part. I can not afford to have the next bi-weekly payment taken out and i don't think they understand. My credit and mortgage history or impeccable and my wife and i are now terrified. please help.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OR)

***The ONLY NAME THAT SHOULD BE ON ANY CREDIT BUREAU REPORT IS : XXXX XXXX XXXX XXXX XXXX*** ***No OTHER NAMES belong to me AND MUST BE REMOVED. Including all accounts with other the other names than what is written above. *** Credit bureaus are refusing to correct this information. 

Previous complaint was to remove debt not owed. 

Company refuses to remove debt not owed or acknowledge paid in full status as attachment will show. 

Credit bureaus refuse to remove accounts with the wrong name associated or reflect current paid in full status of these debt. 

This company had a data dump of incorrect information in XX/XX/XXXX showing we owe this school loan when it was XXXX in XXXX. This is the date it was reported on my credit report. 

We have a recent document, attached, showing this account was paid in full as of XX/XX/XXXX from XXXX XXXX, when this company said they acquired these loan balances. How can they transfer balances and collect on balances that show paid in full. 

This company continues to harassing me with frequent mailings rather than correcting the issue! 

This debt is not mine. 

This debt was discharged and showed paid in full 11 years ago! Now they are saying it was transferred. They refuse to remove or cease and desist contacting me or reporting this incorrect information. 

The recent information I will attach shows that it was paid in full as of XX/XX/XXXX. 

***It will also show my LEGAL NAME AS XXXX XXXX XXXX XXXX *** NO OTHER NAMES APPLY TO ANY CREDIT FILE OR DEBTS OWED and must be removed pursuant to US CODES. 

This company will not cease and desist reporting incorrect information and sending harassing mail to me now that they have my address
Consumer complaint received 2024-08-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (NY)

In 2020 I open a credit card account with XXXX i didnt receive a physical car or anything but there was a account that I could use to make purchase online so I bought some speakers I was in New Jersey at the time visiting they to me that the items would be delivered the XXXX  because I made the purchase on the XXXX  so I went home the XXXX  so i could get them but didnt get anything I ask my neighbors if they see anything they said no I call XXXX they told me that they deliver the items on the XXXX  I told them i didnt get them they said it was delivered I ask to who they cant tell me I contact XXXX and explain to them and they pick sides with fedex instead of investigate the issue so I refuse to pay for something i didnt receive because XXXX always let people sign a signature for their items and if they delivered it to someone how come they cant tell who signed for it? I ask XXXX to closed the account and they didnt they kept it open and keep sending up the payments and interest on me then they send it to collections and now the collection company is suing me for a amount that I dont owe into a different state
Consumer complaint received 2024-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I was informed that Navient received my Bankruptcy Notice in XXXX. I also completed the School Misconduct Discharge Application in XX/XX/XXXX. I made payments monthly from XXXX thru XXXX of XXXX. If my loan was discharged for Misconduct why would Navient not refund my payments made totally more than {$4000.00}. When I spoke to a Rep. from Navient I was told that any refund given would result in me having a new balance to pay. 

How can this be and how is it fair that payments were collected from me for a loan that was initially under Sallie Mae later Navient finding that XXXX XXXX XXXX was on the list of 151 schools that was sued by the Department of Education XXXX XXXX XXXX XXXX ). I should have remained in Administrative Forbearance until a decision was made. Navient owes me the total amount of payments made this year in addition to the compensation I qualify for in relief of the XXXX XXXX settlement.
Consumer complaint received 2024-09-27
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: DISCOVER BANK (NJ)

I am writing to request the removal of unauthorized credit inquiries on my ( XXXX, XXXX and XXXX ) credit report. My latest credit report shows ( five hard inquiries ) credit inquiries that I did not authorize. As of XX/XX/XXXX, I had no knowledge of these unapproved attempts. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. XX/XX/XXXX I trust this matter will be resolved quickly, and I appreciate your cooperation.
Consumer complaint received 2024-09-23
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: Global Lending Services LLC (AL)

Unauthorized hard inquiries were added to my credit report on XX/XX/scrub>XXXX XXXX XXXX XXXX without my permission. I promptly contacted each creditor to request documentation showing proof of my submission or consent for these inquiries, but none was provided. Despite my efforts to have the inquiries removed, they remain on my credit report and are having a detrimental impact on my credit profile.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ONE WAY RECOVERY SOLUTIONS, LLC (MD)

On XX/XX/24 at XXXX I received a voicemail from XXXX stating it was XXXX XXXX with XXXX ( our local school system ) needing us to call him back. I attempted to find a XXXX XXXX in the school system directory and could not so I searched the phone number and discovered it belongs to One Way Recovery Solutions Debt Collection. I believe this company is purposefully and fraudulently representing themselves in violation of law and policies in place to protect consumers.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK PUERTO RICO (MA)

This is referent the complaint # XXXX Since my Claim was denied again I want evidence of the XXXX, ATM, all the footage closest to the ATM, I also want footage that should provide the ATM Photo/video of me doing that transaction. SInce XXXX XXXX XXXX ( XXXX month ago ) I have been saying the same, It wasn't me, I didn't recognize those transactions. I was victim of identity theft. 


They ( XXXX  ) also have articles regarding this kind of frauds in their page. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want a solid evidence with the proof of it.
Consumer complaint received 2024-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (GA)

Loan was taken out on XX/XX/XXXX with a 60 month term. amount taken out is XXXX There have been 5 deferments, 3 loan modifications, and one permanent modification on XXXX original end date of loan is XX/XX/XXXX. I can agree that with 5 deferments the loan should be extended until XXXX of XXXX. My issue is that somewhere along the line my guess would be during the permanent loan modification the loan somehow got changed to add an additional 5 years onto the loan. A loan modification where the loan goes from 21.64 % down to 12 % should not result in an additional 5 years added onto the loan nor should 5 deferments. This loan needs investigated properly, was unable to resolve through the XXXX XXXX XXXX. Loan end date should be XXXX and ill accept XXXX takin into account the 3 loan modifications. I do however believe adding an additional 5 years onto the loan was not a modification in true nature that it needs to be resolved correctly and the end date needs to be XXXX.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC (TX)

On XX/XX/year>, I accessed XXXX of my accounts since the balance did not look right. 

XXXX as confirmed by the institution representatives on the call : The account transaction states as of XX/XX/year>, the running and available balance was {$7100.00}. 

On XX/XX/year>, I initiated a transfer from an external institution into this institution in the amount of {$6000.00}. This institution then put a XXXX business day hold on that " pending '' deposit. 

On XX/XX/year> I made a payment of {$150.00} which was rightfully deducted from the account and brought the running balance to {$6900.00}. 

The issue was discovered on XX/XX/year> because the running balance did not reflect the transactions. 

On XX/XX/year> : The running balance is {$6900.00}. 
However, the available balance shown as {$970.00}. 
What's missing from the balances is the " pending '' deposit of {$6000.00}. 

I contacted the institution representatives to discuss the issue. The following are the facts to this matter : XXXX. This institution did not and has not credited the " pending '' deposited amount into the running balance leaving the running balance at {$6900.00} XXXX. Moreover, the institution put the hold against the available balance making the available balance at {$970.00} I tried to dispute the hold against the available balance with a couple of representatives of the institution. They insisted that the available balance is correct due to the deposit hold of XXXX despite of them not crediting the " pending '' deposit into the running balance. 

The reps could not provide any reasonable explanation as to why this is the case. Numerous attempts to reason with the reps were met with same " talking points : ''