davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Disputing a debt showing on my credit report by Portfolio Recovery for the amount of XXXX and XXXX

 I submitted a dispute on XX/XX/2018 via here I sent both my social as well as I requested from the company to show proof that it was my debt the company is saying that they sent debt validation which is not true all they sent was a paper that says XXXX XXXX XXXX and XXXX XXXX XXXX via here.

 Just sending a paper that shows someone's name similar to mine does not make it my debt no idea who either of those two people are and why is there a debt that is been said that is mine when is not.

No history of payments or written contract has been sent showing and reflecting that both of the debts are mine.

This is affecting my credit worthiness and my ability to obtain credit  I need both of this debts to be removed from the credit bureaus as well as  for this debt to be taken out of my name never had the accounts that it continues to say that I had.
Consumer complaint received 2024-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (CT)

Subject : Formal Dispute and Request for Validation of Debt To Whom It May Concern, I am writing to formally dispute the validity of the debt being reported by Eastern Account Systems, on my consumer report for the amount of {$510.00} and to notify you of several violations of federal regulations regarding debt collection practices. 

XXXX. Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Eastern Account Systems has failed to provide me with the required validation information regarding the alleged debt. As per the regulation, a collection agency must provide validation information when requested. Despite my request, you have not provided the necessary documentation. 

XXXX. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : You have not given me the opportunity to dispute the account before it was reported to consumer reporting agencies. This is a violation of my rights under the aforementioned regulation. 

XXXX. Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : Your agency has furnished an account to a consumer reporting agency without providing the required disclosures. 

This constitutes a clear violation of both federal regulations. 
In light of these violations, I dispute owing any and all debts to this agency. Please consider this letter as a formal request for the following : XXXX Validation of Debt : Provide all documentation and evidence verifying the debt you claim I owe. This includes a detailed account statement and proof of the original creditor. 

XXXX XXXX XXXX : Provide a copy of the purchase agreement between your agency and the original creditor. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Furnish proof that your agency is properly licensed and bonded to collect debts in my jurisdiction. 

Furthermore, I am revoking all rights for Eastern Account Systems to communicate with me through email, text messages, or phone calls. All future communications must be sent to me via certified mail to ensure proper documentation and receipt. 

Below its the agency information Eastern Account System ( XXXX ) XXXX.
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I recently sold my home, but the mortgage company refuses to properly credit my mortgage, zero out the loan, and refund my impound account. NationStar Mortgage has been in receipt of XXXX from an insurance claim, plus the title company sent them the additional funds required to zero out the loan, however they improperly applied the wire from the title company. They have not adjusted the principle to use the insurance funds, even though they are in receipt of the affidavit that expressly states that I wish the funds to be applied to the principle on the loan and their own acknowledgement says that they would do so on XXXX/XXXX/2015. 

Additionally after my home sold they disbursed funds from escrow to pay for hazard insurance/taxes, which should not have happend after the close. 

Several times in the past I have had issues with NationStar Mortgage not properly applying payments, but this has but far been the worst. 

In this case they also broke up the single bank wire payment from the title company into several monthly installments, and a principle payment. I have called and spoken to them 3 times, and each time they promise that they will fix the issue, and yet it has still not been done. 

Each time I have been told that they can not do it immediately but they will fix the issue in a business day ... then nothing is done. I simply want them to fix their mistakes, and refund me the escrow amount back to me.
Consumer complaint received 2023-12-29
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Marlette Funding, LLC (FL)

I have called and messaged the company to reduce my monthly payment as I have lost my job. The company told me that I can stop making payments until an XXXX but Interest accrues every day so now I owe more than I borrowed. I lost my job and am barely making it, if I cant pay the loan I cant pay the accruing interest. This seems like a very unfair and unethical practice.
Consumer complaint received 2024-09-06
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. (FL)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

On XXXX  XX/XX/year> I went on cash app to send someone some money and when I opened my account on my phone the money that I was looking for was gone I had been sent to someone else name on the account was destiny and I did not send it the amount was {$20.00} XXXX file a dispute with cash app saying that I made the transaction and I did not also on XXXX  XX/XX/year> I had went with my neighbor to detail a car and he sent me {$50.00} on Cash App and when I went to check it the same thing happened it had been sent to the same individual destiny I told cash out I did not do that they said that the transaction came for my phone and it did not call from my phone
Consumer complaint received 2024-08-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

Last year XXXX, XXXX XXXX XXXX was bought out by Firstmark Services and transferred my private loan account over and changed the terms on my current plan. 
I had a gradual repayment plan that was already in effect and when company transferred, they did not honor the repayment plan that was agreed upon and without telling me put me on an interim payment plan. On XX/XX/XXXX apparently my current interim plan had ended to a full payment plan. There was no letter or email of intent to end my current plan and the numbers being requested do not make sense or add up correctly. 

In addition, they did not put any of my monthly payments from years XXXX into principal and only applied it to accumulated principal at ridiculous rates ranging 10.5 % XXXX % interest rates over the years PER XXXX. Granted its a variable interest rate, but these rates do NOT represent the current market at the times and have not changed. 

I have been robbed over $ XXXX from lack of communication and assistance form representatives with all parties involved. Even having some supervisor representatives from Firstmark still me that I am being ripped off. 

In an effort to reduce my monthly rate, I was able to pay off XXXX loans in the last 6 months to make my balance $ XXXX month for the remaining $ XXXX on my account ( originally {$86000.00} the last 6 years of ON TIME payments ). 

The $ XXXX was a reasonable and accurate sum of the remaining XXXX loans, but effective XX/XX/XXXX, they are claiming the balance will be $ XXXX which does not add up.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (KY)

I have multiple reports of trying to reach out to these companies and try to settle and/ or have these removed. Creditor : XXXX XXXX  sent me to a third party XXXX XXXX and they are trying to get {$380.00} from me but they were already paid and removed from my report by a debt condsolidation company. All of these have been disputed with the debt consolidation company and they were resolved yet they have not been removed off of my credit report. I am asking to have these collections removed. Midland credit, XXXX bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX midland credit XXXX XXXX XXXX  )XXXX XXXX XXXX, midland ( XXXX XXXX XXXX 

These are all listed on my credit report as paid but charged off. This is wrong as an account can not be listed as charged-off and paid on my credit report the remark is incorrect and I would like to have it removed. I have been sending them letters since XX/XX/2023 with the latest letters being sent on XX/XX/2023 and have given them all enough time to get these removed without having to get you involved but it is not working and I need help.
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I fell behind with my mortgage payment around XX/XX/XXXX because my business income had decreased. I had to close my XXXX and find work. In XX/XX/XXXX I found employment. The damage was already done I had no choice but to file bankruptcy in XX/XX/XXXX. Then XX/XX/XXXX I went thru divorce. In XXXX XX/XX/XXXX I hired an attorney to help me apply for loan modification with Nationstar. This process took some time. XXXX XXXX I was denied because due incomplete application. My attorney resubmitted my paperwork again XXXX XX/XX/XXXX. This time I got approved for loan modification for HAMP. My attorney received an email from the foreclosure attorney for Nationstar stating I was approved for HAMP on XXXX/XXXX/XXXX and the first trial payments starts XXXX/XXXX/XXXX. As of today Nationstar has failed to provide the approval of the trial agreement. We have called and emailed the attorney for status of the agreement and they have failed to provide. I am asking for your help to find out if I was approved for loan modification and if yes, why is it taking them so long to provide the documents.
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Incomm Holdings Inc. (IN)

Subject : Formal Complaint Regarding Dispute Case # XXXX To : InComm and Vanilla Gift Card Disputes Team Dear InComm and Vanilla Gift Card Disputes Team, I am writing to formally lodge a complaint regarding a recent issue involving my Vanilla Gift Card. My name is XXXX XXXX XXXX, and I previously filed a dispute with your Customer Care Department under case number XXXX. 

The situation I am facing is quite distressing. An amount of {$3500.00} was stolen from my Vanilla Gift Card while it was in my possession. Unfortunately, when I was at my cousins house, someone pickpocketed me while I was asleep, subsequently depleting the entire balance on the card. 

Given the circumstances, I am urgently requesting your immediate attention and action to resolve this matter. I am asking for restitution or, if possible, an expedited recovery of the stolen funds. The loss of this amount has caused significant financial strain, and I hope that you will prioritize the resolution of my case. 

I trust that InComm and the Vanilla Gift Card Disputes Team will act promptly and fairly to rectify this issue. Please let me know if any further information or documentation is needed from my side to assist in the investigation. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (FL)

Unfortunately after many failed attempts at getting the fraudulent credit card removed from my credit reports. After sending FTC and Police Report you have failed to resolve this matter as this has put your institution in violation of the FCRA 605B. I am filing this last complaint with CFPB prior to my legal team filing for damages in Federal Court next week. You refuse to do anything to resolve this issue as the victim of fraud and identity theft. My ex partner had unauthorized access to my information opening accounts and even going as far as making payments on them with bank accounts in my name. When he left me in XXXX everything came to light about the matter.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My credit report is showing late payments on XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Consumer complaint received 2024-08-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (NY)

My loan was transferred from XXXX XXXX to Mr. Cooper in XXXX XXXX. At that time they failed to file the assignment of mortgage. As a result, I am unable to sell my property and close because there is no evidence that they own the loan and are legally able to discharge it. 

Because they did not file the assignment as required, my closing has been delayed, resulting in a material financial impact to me and the buyer as we wait for resolution. 

Mr. Cooper 's first-line representatives were unable to assist with this issue and it was challenging to get to their escalation team. Only after several days and attempts was I informed about a research team. 

Their update regarding potential resolution time is 7 business days, which means it will have been 12 business days since my initial contact with them. This seems excessive considering it's delaying a financial transaction, and the issue has effectively been outstanding since XXXX XXXX, over 9 months.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (TX)

On XX/XX/XXXX I bought an used vehicle and the car dealer got me financed with Credit Acceptance Later when I checked on an auto loan calculator, I realized that I was being billed much more than the actual loan payments and the loan company wouldnt explain or show me why there was a large difference of money between the actual loan payment and my monthly payments. I struggled with them to straighten that out and I ended up surrendering the vehicle to them and let them take it back on XX/XX/XXXX. I read that there was a lawsuit against that loan company for overcharging customers and I was one of them.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (FL)

I am writing to express my serious concerns regarding Chase 's handling of fraudulent charges on my account. While the company has credited my account for the fraudulent transactions, they have failed to address the interest and late fees that accumulated during the period of investigation. These fees have now exceeded {$1300.00} and continue to negatively impact my credit score. Despite this, Chase has not taken any steps to rectify the delinquencies reported to the credit bureaus, which is a direct result of their mishandling of my account. 

Moreover, Chase has not provided a satisfactory explanation as to why they have refused to refund the {$9500.00} in XXXX transactions. The reliance on XXXXXXXX XXXX as proof is insufficient, as it does not definitively establish that the transactions were authorized by me or on my device. Additionally, Chase has yet to justify why they have not refunded the {$8500.00} charge to my XXXX XXXX XXXX. 

The companys lack of action and inadequate responses have not only been financially damaging but have also caused me significant emotional distress. I believe their conduct in this matter is both unethical and in violation of consumer protection standards. 

I kindly request your assistance in resolving these issues promptly and ensuring that Chase is held accountable for their actions. 

Thank you for your attention to this matter.
Consumer complaint received 2023-12-28
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am  filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-21
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (NH)

Regarding complaint XXXX, I filed a very confusing and lengthy school misconduct form. I checked my Navent account and they are denying the request but not indicating as to why. They only state : 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.

Clearly there is misconduct from the schools I attended because all loans that were not private have been discharged. They are not providing the basis or indicating that I can appeal.
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (WI)

Cash App had closed my account a few days before XX/XX/XXXX this year and the only response was canned below. I had been transferring several hundreds of dollars last month through Cash App because it's the fastest to transfer to a deposit account, to pay down credit cards and earn debit card reward cashback. I wasn't laundering money or anything but I guess they saw that as suspicious. But I believe I did not violate the Casp App XXXX  by doing this as I read it all and nothing what I was did was wrong. I keep getting the same canned email.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (GA)

JPM Chase Business Ink illegally reported a business account to my personal credit file. The credit balance does not have an associated judgment against me personally, it only shows XXXX late payments from the business entity. In addition, the card was not taken out in my name, it was taken out in the business name of an LLC. LLCs protect from personal liability. No other business credit card shows up on my personal credit report for that reason. This business credit card account was also never reported on my personal credit report for the last XXXX years while the account had XXXX  % on time payments since XXXX, which creates misleading information that the account was just opened in XX/XX/XXXX with a starting balance of {$13000.00} which is factually inaccurate. Therefore, the account should not be considered as part of my personal credit history and it is ILLEGAL to do so. Business accounts do not appear on personal credit reports, unless the account was actually a personal account, such as those opened by sole proprietors. Once again, this account was opened by an LLC that protects from personal liability. Only in circumstances where there is a court-ordered judgment against me would it be appropriate for the judgment to appear on my credit report as a public record and no such judgement against me exists from Chase Business Ink . 

As such, this information needs to be promptly removed from my credit report on all XXXX credit bureaus.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX Real estate FRCA law states all information reporting to my credit should be XXXX XXXX accurate and true. Since XXXX I have been reaching out to the credit bureau asking them to removed the above account. ( XXXX XXXX ) This is not my account and I have no knowledge of this account. They are reporting false claims. 
I do not own any thing from XXXX this is not my account. PLEASE REMOVE