davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NC)

I received notification in XX/XX/XXXX ( letter attached ) that I would receive a refund for the overpayment of my loan from Navient. When I received no money, I called them and asked if a check had been mailed in XXXX of XXXX. The customer service rep said that they sent the check and I would get it soon. I waited till XXXX to call them back again and ask if the check had been stolen. They said now they would mail out a check for $ XXXX. I told them then that I would call back at the end of XXXX if I did not receive the check. I called them on XX/XX/XXXX, and they said my loan got transferred to XXXX, and I would need to get the check from them. I said that the previous XXXX reps lied to me, and they said to call XXXX. I called them the same day and they told me that XXXX was to cut my check and they would call me back the same day about the issue if not to call Navient back. I called Navient back, got a voicemail, and informed me that I was filing a complaint because I still have not gotten my check. I paid this loan in XXXX, even during the student loan hold, because I wasn't sure if I would get my loan refunded, but now I wonder If I should get back all my payments. Please see the attached screenshots of my payment history... I XXXX have missed some letters saying my load was to be refunded.
Consumer complaint received 2023-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

My mortgage on my property was bought by Freedom Mortgage company in XXXX and a escrow analysis was done at the end of XXXX. I was in Florida at the time they did the escrow analysis and I did not have a payment coupon book which was sent to my primary home. I sent in the shortage lump sum to Freedom Mortgage for the escrow analysis, and I sent in my normal payment for XX/XX/XXXX since i paid the shortage. When I received my statement for XXXX, it had some outrageous amount on it. I called Freedom Mortgage on XX/XX/XXXX to straighten it out. I was told by the representative that my lump sum escrow payment was not applied and it was sitting in the unapplied funds. I was also told I have to pay the erroneous amount in order for Freedom Mortgage to correct the situation. Since he confirmed with me that the amount due was wrong and I did not have the extra money to pay it, I requested to talk to a supervisor. The representative argued with me for 5 minutes to the point of us yelling at each other before he finally relented and let me talk to a supervisor and her name was XXXX. After explaining the issue to her she promptly told us what my correct monthly payment would be which was approximately {$20.00} more than my prior payment. I promptly paid her that day for my shortage in XXXX and my XXXX payment at the correct amount. She then told me she would write a letter to the escrow department and make sure the lump sum escrow payment i sent in would be applied. So XX/XX/XXXX, I was current and up to date on my mortgage loan. XXXX assured me that she would contact the correct department to have my {$20.00} shortage from XXXX payment applied promptly. She advised me it would take a few days to go through. Since that day I have received numerous statements with incorrect payment information. I have received 2 hardship folders and received threatening letters stating they are reporting me to the credit department. I realized that obviously this was not corrected as XXXX told me. I have made numerous phone calls, written letters, fax messages explaining the situation as I am now. I have called XXXX the supervisor at her extension that she gave me and left messages for her to contact me because she told me to contact her if I had any issues. I have heard nothing back from Freedom Mortgage. In the meantime I am getting notices from my Credit Card companies that my credit score has fallen dramatically and they are closing my credit card, and I continue to get negative mail from Freedom Mortgage which tells me the situation is still not corrected. I have exhausted countless hours with this company trying to fix this and Freedom Mortgage is ruining my credit score. Obviously they are not going to correct the situation, so this is why I am asking for outside help. ( I am including two folders which has all my dates and payment records that explain the whole story from the beginning ).
Consumer complaint received 2023-09-25
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. (PA)

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

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (LA)

I got XXXX  XXXX And XXXX XXXXXXXX, During this time period someone accessed my account and used the funds without my authorization. I Filed a dispute with Chime and I provided documents to prove I was XXXX  but Chime approved XXXX transactions and denied the other XXXX transactions. I was provided with a temporary credit for the XXXX transactions. I asked Chime Dispute Team to confirm rather the documents were received or not but I got hung up on XXXX times. The problem is that if chime received the documents they would have to be saying that I didnt do the XXXX transactions and did the XXXX transactions but the paperwork would show that I was XXXX from XXXX thru XXXX at XXXX XXXX XXXXNow my account is in the negative and I dont have access to my funds and I am unable to pay any of my bills. I was told I had to XXXX a XXXXl and with the XXXX being processed and still open why is chime taking my money and refusing to provide the reason why my dispute was denied. I was XXXX XXXXXXXX and XXXX XXXXXXXX during this time my account was accessed and the person who did it sent money from my account to XXXX account but chime told me I couldnt dispute it because it was a member to member payment.So by my account being compromised I asked that the account be closed and a new one opened but got denied.
Consumer complaint received 2024-04-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I cancelled my XXXX service in XX/XX/XXXX, and mailed a {$250.00} signal booster to XXXX via XXXX to the complete the cancellation [ i.e., I have the XXXX paperwork that proves XXXX received the signal booster ]. Now, since XX/XX/XXXX, I have been receiving non-stop calls from debt collection agents who claim I owe XXXX {$250.00} for the signal booster. I have called XXXX over a dozen [ XXXX ] times to ask its representatives to verify that XXXX has the signal booster [ which they repeatedly did ], and ask the representative to please tell the XXXX debt collectors to stop harassing me. XXXX has repeatedly promised me [ i.e., more than 6 times ] that they will fix their mistake and inform their debt collection agencies that I do not owe XXXX any money. However, I keep getting harassing calls from XXXX  debt collects [ i.e., most recently today, on XX/XX/XXXX ] who keep threatening to ruin my credit if I don't pay {$250.00} to XXXX for the signal booster that I returned to XXXX  over 4 months ago in XX/XX/XXXX. Please stop this fraudulent business practice [ i.e., XXXX continuing to send debt collectors after me that falsely contend I owe XXXX money ].
Consumer complaint received 2023-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Certegy Holdings, LLC (FL)

XX/XX/2023 check for {$28.00} at XXXX refused payment by XXXXXXXX XXXX. I was never notified and XXXX does not keep a record it ever transpired. XXXX never notified me nor did their collection vendor Certigy. Upon visit to store attempted check pay was denied. I was given paper advised call Certegy to pay. Upon contactcwas advised they would redeposit in a day or two. They never did. Follow up at store with XXXX advised call XXXX XXXX XXXX XXXX. They sent me to their XXXX XXXX who sent me back to XXXX XXXX who sent me back to Certegy. After a half dozen failed attempts I contacted the XXXX XXXX XXXX and we repeated the process. Attelps once again failed. Contacted store. She sent an email to corporate who's job to collect returned checks. They said call certify but she never ressponded. I then recieved Debt Collector notice they bought debt! I called store and spoke to XXXX XXXX. He is trying to assist. I then notified him I was calling debt collector to cease. SENT to answer machine. I left message AND IN FO to CEASE and DESIST notice. They do not provide any acknowledgement of receipt. Waiting on feedback from XXXX.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GLOBAL CREDIT UNION (AE)

In XXXX I received notification that my credit score dropped tremendously from Global Credit Union. I was confused and upset because this is my credit. I would like to file a complaint against Global Credit Union for incorrectly reporting that I was delinquent on my car payment. Despite the fact that my payments are automatically deducted on the first of every month, and I have proof of this, they still reported me as late. Additionally, I am stationed overseas in XXXX, where my insurance is renewed quarterly. Without informing me or adjusting my monthly payments, Global Credit Union added insurance to my loan, leading to a delinquency report on my credit. This erroneous report, which was actually for the added insurance, has significantly impacted my credit score. I have always made my payments on time and was unaware that insurance could be reported to credit bureaus under these circumstances.
Consumer complaint received 2024-04-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (GA)

SHELLPOINT HAS ASSIGNED MY HOME TO FORECLOSURE WITHOUT RESPONDING TO MY XXXX  OR DEBT VALIDATION. THEY ARE ALSO GUILTY OF DUAL TRACKING.. I CONTACTED THEM ABOUT A LOAN MODIFICATION AND THE EMAILED ME A WORKOUT PACKAGE LESS THAN 60 DAYS AGO. I COMPLETED THE PACKAGE AND RETURNED. I ALSO CONTACTED XXXX XXXX XXXX  AND APPLIED FOR ASSISTANCE. NEWREZLLC .DBA SHELLPOINT MORTGAGE SERVICING, SIMULTANEOUSLY PROCEEDED WITH FORECLOSURE WHILE COMMUNICATING WITH ME IN EMAILS AND PHONE COMMUNICATION ABOUT A LOAN MODIFICATION. THIS CLEARLY DEFINES DUAL TRACKING AND FEDERAL LAW RESTRICTS DUAL TRACKING.. I SENT A NOTICE OF ERROR AFTER 90 DAYS FROM SENDING MY FIRST XXXX  THAT I SENT XXXX XXXX. I ALSO QUESTIONED THE ASSIGNMENTS AND TRANSFERS FILED IN XXXX XXXX COURTS, THE ASSIGNMENTS ARE ROBO SIGNED AND FRAUDULENT. THEY HAVE NOT RESPONDED TO ANY OF MY DOCUMENTS. 
I ALSO HAVE BEEN PAYING PMI INSURANCE FOR OVER 10 YEARS AND THEY WILL NOT REMOVE IT OR ADDRESS ANY OF LETTERS CONCERNING THE PMI,, THEY REFEREED MY LOAN TO THE LAW OFFICE OF RAS FORECLOSURE,
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (IL)

I have contacted Chase multiple times to file a claim for reimbursement for a Rental Car Auto Accident. I have had a pending claim since XX/XX/2018 and every time I call the claims company handling it I am told a representative will contact me in 3-5 days. No one has every contacted me. I have submitted all the requested documents to support my claim. The accident occurred in the XXXX XXXX and I am unable to obtain any more documentation other than what I have submitted which I believe is more than enough. The car rental company do not have individuals who communicate in English as they are all XXXX speakers. My requests for a cost matrix was met with confusion. I have followed up twice in XXXX and once in XXXX and still this issue has not been resolved. I have the Chase Sapphire Preferred Card which includes Primary Rental Insurance. Chase is not meeting their obligation to cover this claim. I can be reached at XXXX or XXXX. The claim number for XXXX   online ( Chase 's third party service ) is XXXX
Consumer complaint received 2018-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Key 2 Recovery, Inc. (MO)

This debt recovery business contacted 2 relatives ( embarrassing/humiliating ) and left a message for me on the very same day. I do think the individual said her name was Mrs XXXX (? ). Phone : XXXX ext. XXXX Left message for my sister in laws. Totally embarrassing.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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

XXXX ) XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 
Account number XXXX has violated my rights. 

XXXX ) XXXX XXXXXXXX XXXX Account number XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-04-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (NJ)

On XX/XX/2024, I purchased a musical instrument from an online retailer called " XXXX, '' which appears to have been a misspelling of " XXXX. '' I trusted the transaction because the payment was processed through Affirm, which typically assures a level of merchant credibility. 

After completing the purchase, I received a confirmation via a generic XXXX account, which initially did not raise concerns. However, when no information about the shipment was forthcoming and my subsequent inquiries received no responses, I revisited the site to find it was no longer operational. I reported these issues to Affirm immediately, emphasizing my inability to contact the merchant and the disappearance of their website. 

Affirm initiated an investigation, which concluded on XX/XX/2024. The outcome stated that " the merchant did not act outside of their policy '' and held me responsible for the full payment of the loan. This decision was communicated without any substantial evidence of a thorough investigation, and it ignored the critical fact that I had not received the purchased item nor had any contact from the seller post-purchase. 

I suspect that the investigation by Affirm was insufficient and did not genuinely address the potential fraud involved. As a result, I am facing the financial burden for a transaction where the goods were never delivered, and the seller seems to have engaged in deceptive practices under the oversight of Affirm. 

I am seeking the CFPB 's assistance in this matter for a fair resolution, which should include the cancellation of the loan and a re-evaluation of Affirm 's practices regarding merchant validation and consumer protection.
Consumer complaint received 2024-05-06
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: CFW Holdings LLC (TX)

I submitted a complaint on XX/XX/24 via CFPB regarding an account being furnished on my credit report which lists your company as the original creditor. In my dispute, I stated that I had no recollection of having an account with CASH FOR WHATEVER and requested debt validation. I further stated that all correspondence should be sent via CFPB for legal proceedings and for the simple fact that I do not have a mailing address that I feel comfortable giving this company. The company responded to CFPB complaint XXXX ignoring my request stating that information will be sent directly to me. There is no possible way for me to receive ay correspondence from your company via mail. This is my last resort. If the requested information is not sent via CFPB within 7days, I will have no choice but to further seek my options in small court.
Consumer complaint received 2024-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (VA)

Mr Cooper Mortgage servicing is transferring servicing from their old servicing system ( at XXXX ) to a new one. They sent out an email telling everyone that we were no longer going to be serviced by Mr Cooper, but will instead be serviced by Mr Cooper ( yes, it reads weirdly, but that was their email and USPS mail statement ), and that we'd have new account numbers and payment information, and to watch for the new info. 

Today I got an email from them saying welcome to your new " first class experience '', but they addressed me as XXXX in the email. Which is not my name. Below, they had information showing old mortgage number and new number, and encouraged me to click through to my new account, which I did using the new mortgage number shown. ( PDF attached of the email. ) What I found was NOT my mortgage. The payment and amount is smaller, the interest rate is higher, and I realized that I was looking at someone else 's XXXX - personal financial information. ( XXXX  attached. ) I went back to the email and noted that the old mortgage number was not the same as mine either. I contacted Mr Cooper by chat - no phone number contact info provided by them - and after some back and forth with them saying how this wasn't serious, was told that they XXXX have sent out a number of emails to the wrong people with the wrong mortgage data. As someone who knows this business ( in financial services for 20 years ) odds are high that they sent XXXX 's of thousands of emails to the wrong people, exposing the XXXX of hundreds of thousands of customers. When I said that the rep in chat said that they were going to recall the emails, which by and large is an impossibility. I got no answer to how they were going to protect me from the risks of disclosing my information. 

They refused to connect me with someone there to talk about how they were going to protect me from any risks of this, or to work with me to define what my risks might be. This is about as far from a first class experience as I could imagine.

Please let me know what my options are for getting protection against any risks of identity or financial fraud from this disclosure, and please, please, please get them to stop if they haven't already stopped sending out more wrong emails.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I XXXX XXXX had opened a Bank of America Business Advantage Banking account for my Business ( XXXX XXXX ) through online on XX/XX/2024. Even before while opening the account the I clearly Mentioned that I am out of United States and can not be physically present to open the account and my partners will be doing the transactions as I had to do some important transactions from USA to XXXX to buy XXXX for my Business and I spoke to this agent ( XXXX ) who had agreed to everything and opened my account. And we started our account with nice XXXX deposit and then one of my partners did a wire transfer to an XXXX account to buy the machinery. 

Then my account has been blocked saying some kind of fraud detected. The deposit and transfer was done by the same person. They just waited to deposit the money and now they have put a hold on my account and now when I call the agents they are saying I need to physically verify my identity by visiting one of the branches. If that was the case then they should not have opened an account without me physically being present in there office in USA.

Now its been more than a week I lost access to my account with all my funds in it. When I reached out to this agent XXXX, instead of answering my questions she just threatened me to Disconnect the call. I spoke to couple of other agents too but no one is helping me with this. They took my money and they are not giving access to my Own account they are just holding my money with them since XX/XX/2024. And now I have to spend like XXXX to come back to USA to verify my Identity physically. This is really shame on that Institution. Please do me some Justice here.