davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

At XXXX XXXX CST, I received a call from ( XXXX ) XXXX that I answered. 

An individual came on the line and asked if I was XXXX XXXX and I affirmed. They asked for my address and I stated I wouldnt further identify myself until they told me who they were with and why they were calling. 

They stated it was a personal business matter and to again confirm my address. At this point I asked who they were with again and stated their name and they were with Portfolio Recoveries. 

So, at that point I said so this is a debt collection call and they refused to state that it was until I identified myself which I ultimately did via the last 4 of the SSN. 

Only at that point did they disclose they were a debt collector, stated my debt was too old to sue and that certain actions could restart the timeline of the ability to sue but if that was the case they would not sue, and then proceeded to ask about a XXXX XXXX debt they claimed I owe and asked if I was able to pay it. 

I asked if they could provide proof of validity of the debt, expressed that I dispute the debt as being mine or valid, and they stated they could mail it to me which I refused. 

I also stated that I would send notice in the mail regarding this collection and was told I could either sign onto a website via an account or have them mail something to me. I requested the account number he said he had which was XXXX. I again repeated that this debt wasnt valid and after stating I would contact the company about this the call was ended. 

The refusal to identify themselves, the company or the purpose of the call, refusal to answer a direct question of their identity, then only give the company name without identifying it as a debt collection attempt as well as stating it was a personal business matter that required verification of my identity is a violation of the FDCPA.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Your company failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The LMP was submitted to the lender on    XXXX / XXXX /  XXXX   - the lender has been requesting additional docs since the submission of the LMP - a missing items letter has never been sent or received- on  XXXX   XXXX ,   XXXX   we were advised the file showed all docs and it was being escalated for review - on  XXXX   XXXX ,   XXXX   the lender informed us when  XXXX  called that their was something else that was needed for the review - the requested hardship affidavit was submitted the same day - the sale date is still set on this file for  XXXX / XXXX /  XXXX   which should be placed on hold for this review
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

Chase told me after I called expecting my children 's XXXX check to be deposited on the XXXX. They then told me that the check wouldn't be deposited by the account was closed so I immediately called SSI and changed accounts with them so that nothing that was needed would be behind. Days go by and the funds weren't deposited into the new account. I checked the Chase account and the funds were deposited so I told them I also wanted to cut ties with them It's fine I would go to the nearest branch and get the funds out of the account and close it that way. To which they told me the funds would not be released to me. They would send them to me in a check in their timing. I advised them that the funds were for my children and we have bills due, clothes, and food needed and they didn't care. He said they wouldn't be released no matter what I did or who I spoke to. I have XXXX kids with XXXX and these funds are needed very badly. PLEASE HELP US GET TO A RESOLUTION WITH THIS MATTER. I already have a new account waiting and ready for funds to be deposited but they aren't willing to cooperate with me or work with me in any way. They never even told me why the account was closed either. I know they have this right but what abt their checks??
Consumer complaint received 2018-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NC)

I contacted XXXX XXXX XXXX in XX/XX/XXXX after I received a notification that I had only made XXXX qualifying payments toward my Public Service Loan Forgiveness program. I called them to ask about the number, since it should be much higher, closer to 90 payments at that time. I refinanced my loans to enter the program in XX/XX/XXXX, and have been with qualifying employers the entire time, paying under repayment programs that qualify as well. I asked them to review the number of payments. I called again in XX/XX/XXXX when I didn't receive any response to my first inquiry. I was told that it wasn't properly submitted, and that they would ensure it was submitted for review now. I called again in XX/XX/XXXX and again in XX/XX/XXXX, asking for updated. I was told it was still under review. I called yesterday ( XX/XX/XXXX ) and was again told that it is still under review. I asked about timeframes for these reviews, since my forgiveness will be coming up in XX/XX/XXXX. The person stated that their policy is to finish these reviews in 90 days, but due to so many requests, they are prioritizing them by those who are coming into forgiveness first. I asked when my date comes up, am I required to still make payments if they haven't completed the review. She stated yes. I asked how is that possible when I made requests over a year ago now. This company needs to get its act together.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

My credit was perfect! I'm in the process of buying a house in discovered that Navient is reporting late payments on my credit report, which is not true. This has drop my score 60 points and causing high interest rates for my loan!

In addition, when you try and login to the system is does not give the option and prior to that it stated no payment were due on the account. However, they are reporting negative information on my account. They have placed this information across all three of my credit reports.

The only negative on my credit report is Navient and Sally, which Sally Mae is incorrect, old and reinserted!

Please assist ASAP.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (FL)

Hello I have not received a reply from my multiple requests for information and dispute appeals. In addition my most recent claim # XXXX disputing charges that XXXX agreed to refund has been denied after I provided written documentation that XXXX agreed to the refund and Wells Fargo failed to process the refund and apply the credit to my account. 

Please explain the reason my credit card associated with the multiple disputes has been closed or suspended without communicating with me and I have an XXXX XXXX XXXX as of XX/XX/2024? This appears to be retaliation since I have not received a response to my multiple requests to reopen the disputed claims and provide the merchant documentation used to support your decisions. The request and option to file an appeal is an available option to me as a consumer utilizing a Wells Fargo credit product for purchases. 

Please reopen the dispute under a formal appeal and reference all previous provided information including the proof of the hate crime committed by the XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX 

In addition please email all documents reviewed and provide by XXXX in regards to the the dispute. 

( XXXX ) Dispute Claim # XXXX {$110.00} ( XXXX ) Dispute Claim # XXXX {$7000.00} ( XXXX ) Dispute Claim # XXXX {$3900.00} ( XXXX ) Dispute Claim # XXXX {$9000.00} ( XXXX ) Dispute Claim # XXXX {$6400.00} ( XXXX ) Dispute Claim # XXXX {$50.00} ( XXXX ) Dispute Claim # XXXX {$950.00} ( XXXX ) Dispute Claim # XXXX {$3800.00} ( XXXX ) Dispute Claim # XXXX {$3000.00} ( XXXX ) Dispute Claim # XXXX {$3000.00} & {$16000.00} ( XXXX ) Dispute Claim # XXXX {$460.00} ( XXXX ) Dispute Claim # XXXX {$130.00} ( XXXX ) Dispute Claim # XXXX {$31.00} ( XXXX ) Unable to Address with Dispute {$75.00} XX/XX/2024 ( XXXX ) Unable to Address with Dispute {$25.00} XX/XX/2024
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (MD)

XX/XX/XXXX TRANSWORLD SYSTEMS recieved my formal written notice : ( Tracking # XXXX ) In my notice I informed TRANSWORLD SYSTEMS that what they're reporting to my consumer report violates my rights as a consumer and they need to cease further reporting. I have given them more than the allotted time to rectify their mistake but they have ignored my letters and are choosing to continue to violate my rights as a federally protected consumer. TRANSWORLD SYSTEMS is clearly committing fraud.
Consumer complaint received 2024-06-11
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)

In accordance with the FCRA, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1581. 

Account Name : XXXX  XXXX I looked at me Equifax credit report today, XX/XX/2024 and notice this information is incomplete and not accurate. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum accuracy of the informatioon whom the report relates to, according to 15 USC 1581 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Aand according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer, to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I want to notify the Experian Credit Bureau Once AGAIN that I was a victim of identity theft and that I am asking for the removal of these fraudulent items that are the consequence of claimed identity theft from my credit report. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00}.
Consumer complaint received 2023-12-13
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (VA)

XX/XX/XXXX - Affirm approved my loan for a custom XXXX XXXX ( XXXX ) chair in the amount of {$1300.00}. I made a down payment of {$380.00}. Affirm loan number XXXX. 

XX/XX/XXXX - The XXXX  chair was delivered without the customizations of two down-blend cushions as advertised on their website. I called XXXX the same day to make a complaint. A XXXX supervisor approved the return. XXXX emailed me a web form that required me to take multiple photos of the chair. I submitted the web form and photos to XXXX I made an additional payment of {$110.00} to Affirm the same day. 

XX/XX/XXXX - XX/XX/XXXX - I contacted Affirm multiple times, via their app and my personal email, to submit and resubmit the info they needed to open a dispute. 

XX/XX/XXXX - I called Affirm and spoke to a supervisor regarding Affirm 's refusal to open a dispute. The supervisor opened case no. XXXX but a dispute was never opened. 

XX/XX/XXXX - Affirm began to send me weekly emails threatening to report my delinquent loan to the credit bureaus. 

XX/XX/XXXX - I emailed Affirm billing and Affirm customer service and requested XXXX. I received no response and Affirm continues to send me weekly emails threating to report me to the credit bureaus.
Consumer complaint received 2024-07-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: The Capital Good Fund (FL)

I applied for a Capital Good Fund Loan, I was denied credit and I explained my situation to them as well as letting me them know that I am capable of paying the loan and other financial obligations timely. They at falsely advertised that they finance everyone regardless of their XXXX  Scores, etc and they are supposed to be Nonprofit. They are some LIARS!!
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (CA)

In XXXX of XXXX I made a payment to XXXX XXXXXXXX XXXX for my annual hazard insurance payment. I didnt realize that my lender also made a payment from my escrow account until XXXX of XXXX when I was preparing my tax returns. XXXX returned my overpayment to United Wholesale Mortgage in XXXX of XXXX, however they are not my current lender as they transferred my mortgage to XXXXXXXX XXXX XXXX. XXXX confirmed their check was cashed by United Wholesale Mortgage on XX/XX/XXXX. Ive been speaking with United Wholesale Mortgage about this issue since XXXX with promises that my overpayment of {$2500.00} is going to be returned either to me or new lender but have yet to send the money to me or the new lender. Their Executive Resolutions Team has not resolved this and its been almost a year since this issue occurred. They keep stating that a XXXX party is processing the payment, but have not provided an update on the status since I last spoke with them in XXXX.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I had applied for a checking account with Capital One and was denied based on a XXXX XXXX XXXX, I removed the freeze and waited over 24 hours to reapply on XX/XX/year> as directed, I was denied again. I waited and applied again on XX/XX/year> and received a denial stating there was a freeze on my consumer or credit records. It stated to contact XXXX XXXX. I did and XXXX XXXX confirmed verbally and in writing confirmed there was not a freeze on my XXXX XXXX ( I had also confirmed there was not a freeze on my big 3 credit reports. ) At this point I called Capital One, the representative stated there was nothing I could do but wait even though I had waited several days from the thaw and XXXX XXXX had confirmed there was not a XXXX XXXX XXXX. I asked for a supervisor and spoke with XXXX - employee # XXXX and opened case # XXXX because there is no freeze on my XXXX XXXX and Capital One 's system has not updated to recognize this and I have repeatedly denied an account strictly based on a XXXX XXXX freeze which is not valid. After speaking with Tim I waited until XX/XX/year> and tried again and received the same denial. I am also a current Capital One customer with other open accounts but could not receive any assistance to resolve this matter. I am concerned not only for myself but for other consumers that have used a security freeze that when they lift the freeze and apply for an account that they also will be denied due to a system malfunction at Capital One.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (IA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX.
Consumer complaint received 2023-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I received a letter from debt collection agency Convergent Outsourcing XX/XX/ that has purchased the debt from XXXX XXXX. The letter thet mail me is a debt collection letter violating my rights as a consumer. I requested debt validation and the have blatantly ignored my request.They are violation and as a result I have suffered credit denile, distress and defamation of character. I have attached a letter from them with all violations. I have also attached a bill of particulars and proof of mailing. As a result of there misconduct. I have mailed them a debt validation request. They have not sent the documents requested to validate the debt and they continue to report fraudulent false information to the Credit Reporting Agencies.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (DE)

I received an email stating that the account I opened is sending a XXXX time statement with an account number. I called because I didn't open a cc. The company put a freeze on card and sent a letter to me in reference to fraudulent account and possible identity theft.
Consumer complaint received 2024-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Richmond, Inc. (FL)

I paid the original creditor, XXXX and XXXX XXXX in XX/XX/XXXX. I also started using a different service at that time for different reasons. XXXX  months later I received a bill for the same service, but for a different amount. I gathered proof and called their billing service on XX/XX/XXXX. They said it was a posting error and would correct it. They even said I had overpaid and that they had refunded my credit card on XX/XX/XXXX. Then they sent it to collections. Collection company wrote, offered me form letter, I responded by checking " this is not my debt ''. Then they started calling on XX/XX/XXXX, about once a week, but, I wasn't near my phone. I spoke with them on XX/XX/XXXX, told them the story. They asked for proof. I told them I had to redact my credit card statements and Explanations of Benefits. I asked for a mailing address. They responded that they would give me an email address after I called back and stated the redaction was complete. I want a paper trail. I.e. certified mail, return receipt requested. They have called daily since then, using 2 different numbers, but, my phone was not with me either time. 
I think they call themselves XXXX. XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc. (KY)

I had bought the {$17.00} a month sezzle anywhere pay on XX/XX/2024 in order to pay for a transaction in the 4 easy installments that sezzle implies. When I had gotten the digital card to put in my wallet, I had the spending power of {$650.00} and the charge was {$380.00} dollars that I was supposed to pay {$100.00} every 2 weeks for 6 weeks for. The order was pending, and small transactions were going through on the card to make sure that the funds were there. 
When I went to pay for my purchase, sezzle then started to decline my payments, although they were taking out small increments of money from my bank account. And as promised with the sezzle anywhere, I could use it wherever visa is accepted. 

After the company ( not sezzle ) that I was using the spend anywhere with 4 easy payments werent going through, I tried calling sezzle and sezzle was not fixing the issue although with the {$17.00} a month plan I had guaranteed priority customer service to hand it, they were not tending to the issue. The transaction then went through, and I thought the {$100.00} for the deposit was taken out. 

Sezzle then came back two days later and said I owed the whole amount of {$380.00} instead of in the 4 installments that I was supposed to pay. I tried calling the customer service line and had gotten someone where they said the problem would be escalated to the managers. And I should hear something by email the next day. The next day came and I heard NOTHING. Then two days later I get a fraud report from my bank saying that sezzle was trying to take the whole amount, although it was supposed to be {$100.00} for four installments. Tried calling sezzle same day with just robots hanging up on me. 

I have never been late paying sezzle and always pay the extra fees for the extra services on time that they do not adhere to! Sezzle is misrepresenting their services.