davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-26
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (PA)

My previous complaint against Champion Mortgage/Nationstar may have been answered but the responses were incorrect. This time I submit proof that my complaint is correct. 1. When Champion/Nationstar foreclosed on me inXX/XX/XXXX, they used incorrect numbers that were incorrect so the foreclosure was illegal but attorneys for Champion proceeded even though I tried to prove otherwise and my wife lay XXXX at the time. She XXXX on XX/XX/XXXX. The foreclosure was based on Champion claiming I owed real estate taxes for XX/XX/XXXXin the amount of {$10000.00} when the actual taxes for XX/XX/XXXX were {$6600.00}. False information leading to illegal foreclosure. 2. Now, Champion is foreclosing for the amount of {$11000.00} when their own statement shows LOC balance as {$8600.00}. 3. in written email from Champion their representative " declines '' to give me an proof of their charges. 4. In current threat of foreclosure, Champion lawyers state original loan balance as {$380000.00}. when the true original loan balance was $ {$170000.00}. I have repeatedly asked for HARP but have been ignored. I assume Champion will ignore it until it expires in XX/XX/XXXX.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Subject : Formal Complaint Regarding Credit Card Account and Missing Funds Dear Sir/Madam, I am writing to formally lodge a complaint regarding an error with my credit card account and the subsequent handling of my funds. 

Several years ago, I had a credit card account with Bank of America, which I used for a year before closing it. Despite closing the account, the card continued to appear under my checking account, although it was inactive. This situation persisted for years. 

About a year ago, I opened a new credit card account with Bank of America and began using it. A few months ago, I made a payment of {$200.00} toward my credit card balance. Since my new credit card account did not appear on my online banking page and only the old, closed account was visible, I mistakenly sent the payment to the old account. Despite the account being closed, the bank accepted this transaction and deducted {$200.00} from my checking account. 

A month ago, I visited a Bank of America branch to resolve this issue. The customer service representative assured me that I would receive my {$200.00} back within XXXX days. He also asked me to log into my account on my laptop and then deleted all information related to my old credit card from my account, which I did not request. 

Today, I visited another Bank of America branch to follow up on this issue. However, XXXX XXXX, the bank representative, informed me that I need to provide information about my old credit card account to resolve the issue. Since the information was deleted by the previous representative, I am unable to provide it. I believe the bank should have records of this account and should be able to assist me in retrieving my funds without requiring information that was deleted by your staff. 

I request your immediate assistance in locating my {$200.00} and refunding it to me as soon as possible. This situation has caused significant inconvenience and frustration, and I expect prompt action to rectify this error. 

Please contact me at email XXXX to confirm receipt of this complaint and provide an update on the resolution process. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2023-04-21
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Penny Mac Loan services, has claimed they paid the property tax bill on my house. 

They have not. I have been informed by the city of XXXX XXXX, XXXX XXXX @ XXXX, XXXX The amount in question is still delinquent and XXXX XXXX @ XXXX XXXX has threatened to put a lean on the house. 

I called Penny mac and they said they had in fact paid, but could not show me any evidence that they did. They simply stated that they did, I asked them to refund me the money and then I would pay myself to avoid the lien. 

They refused claiming without any evidence they had paid.
Consumer complaint received 2024-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

With about 18 months left to pay on my two consolidated loans, I received a message from Navient in XX/XX/XXXX ( attached ), saying there was a change in loan terms. The payment was cut in half, approximately, but the loan term was extended to 40 months from XX/XX/XXXX. I did not request that and find it puzzling. Since my loans were nearing the end of their terms, the total additional interest was about {$120.00} over those 40 months. So, not a life-changing amount. 

Then for my final payment, which was less than the auto-pay amount, about {$8.00} was left on one of the two loans. Puzzling again, since auto-pay won't activate for future payments on a balance less than {$50.00}. I didn't receive any communication about the final payment, so I manually paid the remaining balance.
Consumer complaint received 2024-05-27
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bepensa Capital, Inc. (MI)

I contact XXXX XXXX XXXX XXXX now XXXX ) in XXXX and asked them not to contact me via telephone. I encourage and respond to emails they send. They have called me after receiving and acknowledging my request not to call me. 
XX/XX/XXXX at XXXX pm XX/XX/XXXX at XXXX pm I want the phone harassment to end.
Consumer complaint received 2024-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (MO)

AR Resources reported a collection that I had no knowledge of due to their incorrect information. This unfairly impacted my credit score. They attempted to intimidate me and lied to me to get me to pay them directly. Now they will not respond to repeated requests for debt validation and other information regarding this account. 

on XX/XX/XXXX I was notified of a negative mark on my credit report from AR Resources. I was never contacted by this company and did not know this had gone to collections. 

In XXXXXXXX XXXX XXXXXXXX I was attempting to dispute this bill with my insurance company, which was supposed to cover it. I received one bill from the XXXX XXXX and received no further contact from them, even after requesting more information. 

I called and spoke to two ARR representatives ( XX/XX/XXXX ), one being a manager. They both were very aggressive and tried to intimidate me, claimed they had contacted me multiple times, lied to me ( claiming that this would automatically be deleted once paid, which is not true ), and refused to provide any information in writing. They both refused to validate the debt or provide me with any additional information whatsoever. I again requested debt validation ( to which I am entitled to under the Fair Debt Collection Practices Act ) twice via certified mail ( received and signed for on XX/XX/XXXX and XX/XX/XXXX ), once via standard mail ( sent on XX/XX/XXXX ), and once via email ( XX/XX/XXXX ). I received no response. 

I have USPS informed delivery, so anything with my name and address is scanned and emailed to me, even if it ends up misdelivered. Nothing from ARR was ever present in these emails and I never received anything from them. The XXXX office confirmed that my apartment number had been omitted from their files, despite me having given it correctly multiple times. I believe that the XXXX XXXX did not give ARR my correct and complete address, which I could not possibly control. 

However, if they sent mail that was not delivered, it should have been returned to their return address. If this is the case, they should have been fully aware that the mail was not being delivered. 

On XX/XX/XXXX, I received my first piece of mail from ARR stating that the account had been paid in full. This document included my full address, including my apartment number. This leads me to believe that they have received and read my letters, which included my apartment number, and are just refusing my requests still. 

I have carefully recorded all of my communication with this company ( with exception of the phone call ) and gathered as much evidence as possible to prove my case to XXXX. This account has been removed from my credit report by XXXX due to ARRs incorrect information. However, I still want the requested documents and information.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I have been an Amazon XXXX/Chase credit card customer since XXXX ( maybe prior since the statements only go back that far. When I signed up for this credit card I was promised 5 % cash back on orders from XXXX which was fulfilled until XX/XX/XXXX. At this point the card reverted to earning 3 % back which is what card owners get if they are not an Amazon XXXX member. However, my membership status never changed and neither did the payments for it via this Chase credit card. I recently only noticed this was happening and called Amazon immediately who updated my account on their end so that I can earn the proper rewards points going forward. They saw exactly what I did and confirmed I should have been receiving 5 % the last 5 years. They told me to call Chase who I have now spoken to several times with no resolution or explanation for why they will not honor the terms of the credit card agreement I signed. 

Even on Chase 's end when I call ; the employees can see my XXXX membership payments on my statements each year and acknowledged the same thing Amazon did. However, when I contacted them via their secure message system they just would deny my request and not give an explanation. Furthermore they would just reiterate the terms of the agreement ( all of which I have met ). 

This has cost me hundreds of dollars potentially in cash back I was promised. As far as I am concerned Chase is in breach of the contract I signed.
Consumer complaint received 2024-05-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

This education was fraudulent. It was declared by XXXX to be a for profit college that used high-pressure tactics to gain enrollment. More than 2/3 of my loans were registered as private the other 1/3 was attained as federal. My federal loans have been forgiven due to these practices, but I still am paying over {$400.00} a month in private loans for a fraudulent education.
Consumer complaint received 2023-05-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Carrington Mortgage changed my mortgage with out telling me and brought my mortgage from {$1300.00} to {$1700.00} and that one month I was a week late for my mortgage.

After contacting CFPB they allowed me a modification but they are holding onto my CA Mortgage Relief of {$38000.00}. 
I have tried to contact them but they do not respond. 

I would like them to make the corrections to my credit and sent the money back to XXXX so I can reapply.
Consumer complaint received 2024-03-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (GA)

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-13
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. (TX)

AFTER REQUESTING DOCUMENTS TO SHOW PROOF THESE ACCOUNTS BELONG TO ME. THE COMPANIES DID NOT SHOW SUCH PROOF. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED AND NOT SHOWING PROOF THESE ACCOUNTS BELONG TO ME.
Consumer complaint received 2024-05-14
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: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I noticed a charge on my account I didnt make. I called the bank on that day to dispute the transaction. I spoke to an agent named XXXX. I told her that the payment in question was for my car insurance payment which I made with a different card at the same bank. I have XXXX accounts with Wells Fargo bank i.e. a checking account and a credit card. I was charged for the same amount {$120.00} on both accounts. I told the bank that the insurance company should have only charged the checking account and that the credit card payment should be voided or cancelled. XXXX said fine and that she would take care of it. When I checked my credit card statement on XX/XX/XXXX it was still showing the payment of {$120.00} on XX/XX/XXXX as being completed and not pending. When I called the bank back that day, I was transferred to the Claims Department and spoke to XXXX. When I explained my problem to him after waiting 45min, he said the only thing he could do was wait for the payment to post on my checking account ( It already did ) before he could dispute it and that would be on Friday XX/XX/XXXX. That would mean Id have to wait a total of nine days before they would investigate it. Most banks just put a hold on your card until they are able to resolve the problem and they dont keep the item on your account or show it as pending. This waiting 9 days before anything can be done is just inconvenient. The fact that one agent said it was taken care of and the other one said it was not is very confusing and sounds like double talk. Please investigate and issue any violations if possible. Thank you.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

On or around XX/XX/XXXX i sent the Credit Bureau 's letters disputing the inaccurate information reporting on my credit report. They said that Conn 's verified the information as being correct. This account was dismissed in Bankruptcy so how could it be verified and it should be deleted immediately! Conn 's reported last payment activity was XX/XX/XXXX how could that be when in fact the account has been dismissed and closed since XX/XX/XXXX. That is Fraud and inaccurate reporting which is a violation of the Fair Credit Act! I will follow up with a class action lawsuit if this is not corrected effective immediately!
Consumer complaint received 2024-05-13
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: WELLS FARGO & COMPANY (OR)

On XX/XX/2024 at approximately XXXX XXXX XXXX XXXX, I called the customer service # for Wells Fargo re : my Wells Fargo XXXX XXXX  XXXX XXXX credit card ending in XXXX. I spoke with XXXX and explained that my statement should show a XXXX balance. 

I explained that I had a small credit balance for a while and after making a purchase for the exact amount of the credit so it would zero out, they are sending me a statement that shows I now OWE Wells Fargo the same amount. 

The person who said his name was XXXX, repeated over and over, I understand, but you have to pay the balance. He said since Wells Fargo sent you a check for the credit, you have to pay. I asked him to fix it because I have not received, nor will his records show that I cashed or deposited any check, and he became more rude, belligerent, loud and unprofessional. After making me angry with his impatient redundancy and typical canned response, I tried to reason with him. But, I owe Wells Fargo nothing! He kept saying to me, the customer, that I have to make the payment and that's just how it is! 

All I'm asking for is Wells Fargo to XXXX  out the balance of this credit card, as I owe them nothing. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX This account was paid in full and closed XX/XX/2023. My credit report is inaccurately reporting a XXXX XXXX credit card usage.
Consumer complaint received 2024-07-12
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: Bull City Financial Solutions, Inc (FL)

This collection XXXX XXXX XXXX XXXX I don't know who they are and I have never had any business with them, they are also reporting addresses where I have never lived and charging XXXX dollars which I DO NOT owe them, I demand proof of this account and the supposed contract that I have with them because I am sure that they do not They have nothing, please have the attach with the official complaint that I posted
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC. (CA)

This account is invalid. SOFI BANK, NATIONAL needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. 
Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records.
Consumer complaint received 2021-02-05
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: AES/PHEAA (NC)

My student loans have been in forbearance prior to the pandemic, however Fed Loan Servicing has been reporting that I have been 120 days late from the period of XX/XX/XXXX thru XX/XX/XXXX. I also went through a similar experience while I was unemployed with them also reporting that I was 120 days late in XX/XX/XXXX.
Consumer complaint received 2023-09-05
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-09-05
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXXXXXX acct # XXXX XXXX XXXXXXXX acct # XXXX XXXX acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX  acct # XXXX Has violated my rights. 
15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness