davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AL)

Our home in XXXX was destroyed in the XXXX XXXX wildfire and we received an insurance check of over {$280000.00} for the loss. It was made out to our mortgage company, Nationstar Mortgage, my husband and myself. We signed it and sent it certified mail and it was received on XXXX XXXX. We noticed it was posted to our account on the XXXX as a credit but the balance of the loan was still the same. We called and went through all kinds of hoops to talk to a customer service supervisor XXXX XXXX XXXX and she said it could NOT be paid off because they could not find the notarized mortgage affidavit that we mailed along with the check. I know it was in the letter because I folded it up and placed the check inside for security. My husband told them it better be paid off and they better stop charging us interest. The supervisor said she would keep up informed and call the following day but we never received a call or any other information. The loan balance of a little over {$95000.00} was paid off on XXXX XXXX but we have not received the balance due us of over {$180000.00} dollars or heard anything from anyone else at Nationstar. They have had the money for two weeks tomorrow and nothing!
Consumer complaint received 2024-06-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MA)

On XXXX XXXX XXXX XXXX  I made a reservation with XXXX  for a hotel that cost XXXX and change for a four days stay in NJ. I NEVER received any reservations and I had called them but it turned out that XXXX wanted to still steal from me because they had asked me to get two gift cards with XXXX each and send to them in order to resolve the reservation issue and I then realized that they were trying to get my money again. 
I contacted chase credit card immediately and disputed the amount but chase told me that XXXX said that I didnt use the service and they had a non refundable policy. 
I asked my credit card company to please ask XXXXXXXX to send me the reservation email that was sent me upon booking the hotel. 
They have closed the dispute and I feel that they are siding more with XXXX on this issue and not considering their customer ( me ) in this case. I want the matter to be looked at and resolved immediately. 

Thanks so much.
Consumer complaint received 2024-06-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/year>, I requested debt validation from LVNV Funding ( see attached fax confirmation ), but never received anything back. It has now been 30 days, and I am requesting that this account be removed from my credit report.
Consumer complaint received 2024-06-16
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. (GA)

XXXX XXXX Account Number - To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Zip Co US Inc. (IL)

On XX/XX/XXXX, I made a purchase of {$49.00}. I realized from the domain of the page which is XXXX that it was a false purchase since the real domain is XXXX from the official page, on the same day, XX/XX/XXXX. I contacted the Zip application to stop the transaction immediately while the payment was pending, they limited themselves to telling me to wait 13 days and that they couldn't do anything even if I sent them screenshots of the real and fake page, they even urged me to contact with the scammer, which the ftc agency for reporting fraudulent sites does not recommend and I let them know, I contacted the customer support chat of the real page by sending them the same screenshots as zip and they verified that it was not their page and I sent them the capture with the conversation to zip, ignoring them and only limiting myself to saying that I would contact the seller, not even giving me options. I have screenshots with their customer service of them and even an email reporting the fraud on their page that supposedly should be attended to within 48 hours which has already passed more than 48 without a response from them, which gives me to understand that they do not want to reverse the payment even so when I let them know that it was a fraudulent transaction, since the XXXX I I have contacted them and they have refused to give me a solution until the next payment. My bank did a dispute with this company for the same problem because they refuse to give a Solution
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (FL)

This notice is a reporting of FCRA VIOLATION.

This to inform you that you have reaged this account which is illegal by law. 

The account was first reported on my consumer report XX/XX/year>. Florida Statue of limitation is 4 yrs. 

Per 1006.26 Collection of time-barred debts ( 2 ) Time-barred debtmeans a debt for which the applicable statute of limitations has expired. 

You knowingly and willingly have unlawfully reported this debt to my consumer report. 

Per 1006.18 False, deceptive, or misleading representations or means ( d ) False representations or deceptive means.A debt collector must not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 


I have NOT given you written permission to put anything on my credit profile 15 USC 1681b2. 

You have NO permissible purpose by law to contact third parties with my private or personal information. 

I have shown you and you have been put on notice that you are reporting inaccurate information. 
The information is, in fact, inaccurate. 


Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly used my personal information without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You, JEFFERSON CAPITAL, A DEBT BUYER delete this reage alleged debt immediately from my consumer report or I will escalate this matter to taking legal action.
Consumer complaint received 2024-02-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (AZ)

I had reached out to Mr Cooper because I am under contract in a property in XXXX, NC. The property has an assumable loan so the seller and I had reached out to Mr Cooper and requested the loan assumption documents. This request was confirmed that it had been recieved by Mr Cooper and they sent out the loan assumption documents on XX/XX/2024. I completed the documents and sent back all the completed documents along with the requested information on XX/XX/2024. I sent everything back via email and sent it via postal mail as well to ensure they would be recieved. The following week I began calling the general Mr Cooper line asking for updates and to confirm reciept. I was informed that within 30 days of requesting the loan assumption documents Mr Cooper was legally committed to assign me a loan mortgage officer then within the next 15 days they had a legal obligation to approve or deny the loan. When I called again on XX/XX/2024 I was informed that all my documents were recieved and they confirmed that it was fully complete with all of the information they had requested. I was told that I would be notified of who my assigned mortgage officer was no later than XX/XX/2024. I called again on XX/XX/2024 and was transferred serveral times and was sent to XXXX who let me know she was the supervisor of the assumable loan department and she let me know that even though they had recieved all my information I wouldn't be assigned a mortgage officer yet becasue there are only XXXX people that work in that department and the deadline had not passed. When I shared that it has been beyond the 30 and 45 day mark that they are legally committed to XXXX denied this and did not have an answer for me. She did give me her direct number to follow up and let me know I could leave her a message and that she would call or email me back with updates. Since I spoke to her in early XXXX I have been calling her direct line every 3-4 days to check for an update and leave messages and have never gotten a return call or email.XXXX XXXX direct number that she instructed me I could call to get updates and communication is XXXX. She has been entirely unresponsive. I am almost 2 months since the assumable loan package was requested and Mr Cooper is now in posession of my personal information and the requested documents and they have not fulfilled the legal obligation to assign me a mortgage officer, simply because it does not benefit them for me to assume the loan. Regardless of the benefits to them of the loan package their is a legal commitment to follow through on federal guidelines and they have not. These actions are illegal and demonstrate prejudice.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (VA)

My APR on my credit card went from XXXX or so to XXXX %. I emailed them and let them know that this is predatory and I needed to find out what I needed to do to get it lowered, and they said nothing. Theres nothing I can do. XXXX XXXX APR on a credit card is absolutely, unheard of.
Consumer complaint received 2024-06-01
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: TOYOTA MOTOR CREDIT CORPORATION (SC)

Did not authorize credit inquiry on these dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-05-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Complaint ID : XXXX was recently closed. I have exhausted my efforts to protect my rights, but I seem to be the only XXXX. XXXX has had plenty of time to fix the errors on my account. Having the wrong names such as XXXX XXXX XXXX, and having wrong information regarding employment " XXXX XXXX. '' This is absurd that they can just correct the names and leave the accounts I provided. CFPB must be working for XXXX! 
I kindly asked that these accounts be removed, and you clearly see that the mistakes are still under all three credit companies, but you let them just close it and leave me with the accounts! Wake up and take another look!
Consumer complaint received 2024-02-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

On XX/XX/XXXX, I called Penny Mac Loan Service to make a payment, and I looked on the Penny Mac website and I noticed several dollar items under the 'Loan Activity ' which I knew nothing about, upon questioning the representative and she could not justify the extra dollar items.

I began to search the Penny Mac website and I copied down all 'PAYMENTS ' pertaining to my account, which I have attached the copies. Our original mortgage payment was {$3300.00} and on XX/XX/XXXX due the 'Supplement Property Taxes Payment ' the mortgage payment increased to {$3300.00}, and on XX/XX/XXXX the representative stated " that there will be {$300.00} monthly mortgage payment increase because of the 'property taxes ', I stated " our mortgage payment is a 'VA Fixed Loan XXXX XXXX So I called the U.S. Veterans Affair at ( XXXX ) XXXX and the representative told me to call Consumer Financial Protection at ( XXXX ) XXXX. If I had never research the Penny Mac website and noticed the extra dollar amounts that is on my account, I would not have known about these extra dollar amounts, and could have been losing our home. I'm a veteran and I need help! 

There have been late payments on this account, due to XXXX XXXX XXXX XXXX ( a veteran ), employed with the U.S. Postal Service, I only work 4-5 hour per day because of my 'on the job injury ', and I have to file a XXXX form for my remaining employment income which comes from the Department of Labor and can take anywhere from XXXX week, and this problem has caused my mortgage payment to be late. In the XXXX, my employment income has significantly decrease in the amount of {$3000.00} per month, due to an over payment of Worker 's Compensation Payment.
Consumer complaint received 2024-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

Hi, I continue to have difficulty with returns made from PayPal Credit purchases. They are always intercepted by PayPal, applied as a balance and the original purchase remains on my PayPal credit account. This time its even worse. When the {$770.00} was returned to me I was assessed a fee of {$23.00}. This has been going on for years, but now with the fee as the new twist. 

The original purchase was XXXX XX/XX/XXXX and the refund date was XXXX XX/XX/XXXX. 

The item was returned and a refund issued due to fitment issues. I contacted the vendor and asked them to look into the refund method since the refund was not applied to the original purchase method. They stated its the standard procedure they always use for refunds. 

Given my extremely terrible past experiences dealing with issues that cross between PayPal and PayPal Credit, I have zero confidence that the regular customer service will be of any help and they will bounce me back and forth until Im angry, exhausted and having invested way too much time spent on the phone with no resolution at the end.

I think its unfair that I keep having to deal with these problems between PayPal and PayPal Credit and the absence of any streamlined practices to address these problems when they arise. Plus now theyre trying to in essence steal money from me.

Any help getting this issue the proper attention would be greatly appreciated and hopefully a solution for all the other customers experiencing this problem is discovered. I imagine Im not the only one.
Consumer complaint received 2024-06-01
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NJ)

I am writing to dispute a debt that has been reported on my credit report. According to 15 U.S.C. 1692g ( Validation of Debts ) of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive a validation of the debt. I have no recollection of this debt and was not provided an opportunity to dispute it as required by law.

If the creditor or collection agency believes they have given me proper notification of this debt, I request that they provide proof of this notification. Specifically, I am asking for the certified mail receipt with my signature that verifies I received such notification. Without this documentation, the debt should be considered unverified and should be removed from my credit report.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (FL)

In accordance with the Fair Credit Reporting act Convergent Account RADIUS GLOBAL SOLUTIONS has violated my rights. 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 an account without my written instructions.
Consumer complaint received 2024-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (AZ)

Jefferson Capital XXXX XXXX is lying about {$2300.00} on my credit file. This isnt my debt and they will not remove it. They will not send me proof on why they believe I owe this debt. I they are also lying that they are the order debtor. How can that be if they are a collection agency.
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMO Bank, N.A. (GA)

I was loaned over {XXXX to purchase a new XXXX home. The loan was only recently sold by Bank of the West, the orignial loan institution, to XXXX Bank. We made XXXX payments as per our contract. They now say that we owe over XXXX. This does not add up. We requested a payment history. They provided it but it is convoluted and it shows that some payments were made entirely to interest, not principal. We can't get a straight answer as to why our payments were made to interest. They are threatening action and we feel that they have illegally applied our payments. Our credit is above excellent and we feel this might jeopardize it. Our contract was for a fixed interest rate of XXXX for XXXX years and can be provided to you for your review.
Consumer complaint received 2024-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (TX)

I WAS VICTIM OF SOMEBODY ELSE USE MY INFORMATION, I REQUESTED THE DEBT VALIDATION FROM ORIGINAL CREDITOR, THEY COULDN'T PROVIDED WITHIN 30 DAYS , NOW HAS BEEN MORE THAN 55 DAYS , COMPANY PROMISE DELETION FROM THIS ACCOUNTS THAT ARE DUPLICATED WITH THE SAME COMPANY, ACCOUNT NUMBER IS # XXXX,  SUPERVISOR EMAIL PROVIDED WAS 	XXXX, XXXX  IS ILEGALLY HAVING THIS INTO MY CREDIT REPORT , THEY PROVIDE TO ME BEFORE WITH FALSE EMAILS BEFORE I COULD SEND IT TO THEM WITH , THEN ON XXXX XXXX  THEY PROVIDE AN AUD OR CONFIRMATION NUMBER (XXXX) FOR DELETION ON XXXX, STILL REPORTING OVER MY CREDIT , THEY HAVE TAKE CARE OF SAYING LIES AFTER LIES NOT PROGRESS REPORTED .

COMPANY CREDIT MANAGEMENT CO
Account Number
XXXX  Creditor Classification
MEDICAL_OR_HEALTH_CARE
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

I first applied for an income-driven repayment plan and received no communication on the status of that plan. I then applied for the SAVE repayment plan months ago and have received no further communication on the status of that application. I completed the one-time payment required to cancel my IBR plan and move to the SAVE plan five weeks ago. Nelnet states they will provide correspondence every 10 days-I have received no further communication on the status of my plan and my payments are set to resume in 2 months.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

XXXX account Account ending in XXXX Citi Reference Number : XXXX Citibank blocked my checking account on XX/XX/year>. Since then, I have made several attempts to resolve this issue by visiting Citibank branches in XXXX with valid photo identification and contacting the Citibank fraud center. Unfortunately, the matter remains unresolved. 

During each interaction with Citibank representatives, I was informed that I would receive a letter containing a reference number necessary for identity verification. The bank has claimed to have sent this letter on multiple occasionsXXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I have not received any of these letters. 

To ensure I do not miss any mail, I have registered for the XXXX XXXX XXXX XXXX and have been diligently checking my mailbox every morning and evening. Despite these efforts, no correspondence from Citibanks Fraud Prevention department has arrived. 

It has now been XXXX  days since I have been unable to access my account. I have requested that Citibank unblock my account, but the problem remains unresolved. 

I requested that Citibank unblock my account, but they keep telling me to wait for a letter that is not arriving. I implore your urgent intervention to compel Citibank to promptly rectify the situation. 
Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I called Chase on several occasions to instruct them to reopen my accounts and send me replacement cards, so that I can use the credit that is mine to use. I also instructed them to validate the debt that I disputed with a cease and desist notice and they sent me a transaction report, which does not serve as validation of debt. They are committing securities fraud by using my contract as collateral which I am aware has been bought and sold many times over and I am receiving XXXX benefit/valuable consideration from the credit that I extended. Not only that, but they have reported to the consumer reporting agencies that I owe this debt in dispute. 

This is causing me extreme hardship as I am not able to utilize my credit for food, clothing and many other necessities that I have. It has also affected my credit standing as I am not able to acquire other credit, because of the false reporting to my consumer reports. 

I will be uploading the cancellation of debt that was filed with the IRS, in addition to the cease and desist notice that I sent them in 2021. 

Thank you in advance for your time with this matter.