davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (PA)

XXXX XXXX transferred my mortgage to Shell Point while XXXX was processing a modification. Whatever is owed goes to the end of the loan, {$1400.00} to be paid then {$610.00} a month. XXXX told me that they sent the information to Shell Point and Shell Point wont give me any information. They say theyre working on it? It was already completed and offered to me by XXXX before XX/XX/XXXX. Also the loan information is wrong. They have XXXX as my mortgage owner. XXXX was an equity loan that I had years ago and was written off as unsecured through XXXX  XXXX in XXXX. I finished the bankruptcy in XXXX and it was closed. In XXXX through bankruptcy lawyers, judge and treasurer I had XXXX and owed $ XXXX. $ XXXX was paid through out the bankruptcy from XXXX to XX/XX/XXXX. And payments resumed by me since which is XXXX more years of payments that I made. ( $ XXXX )? $ XXXX owed? The last owner of the mortgage was XXXX XXXX when in the bankruptcy and the servicer was XXXX XXXX XXXX. I had many many problems with them! They sold it to XXXX XXXX soon after the bankruptcy. Its saying that I owe around $ XXXX on the loan? Looking at the maturity date it says XXXX which is 12 years. I dont know what to do? I cant afford a lawyer. I just want things all corrected and make payments on our home and not be bamboozled. Please help? Ill send any information that you need. Thank you, XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The three credit bureaus do not speak to one another. My data on each credit report is incorrect. I have on several occasions requested the credit bureaus to update their records. The accounts that are listed as open/reporting negatively, are either paid-in-full closed, paid in full no balance, or should not be appearing at all.
Consumer complaint received 2023-05-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RELIANCE FIRST CAPITAL LLC (GA)

On XX/XX/ I was defrauded out of my home at closing for {$130000.00}. The loan and promissory note were hypothecated ( seperated ). I am currently facing fraudulent foreclosure and eviction of my property of XXXX XXXX years.
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (FL)

On XX/XX/XXXX I went to make a final payment on my loan of {$5300.00}. For each of the two days afterwards I checked the Nelnet site for my balance. The payment was still processing, and the interest on the amount, {$5300.00}, was still accumulating. So now the final amount was up to about {$5400.00}. This caused some worry in me, but I waited until the payment finalized on XX/XX/XXXX, and now Nelnet showed the balance as {$0.00} and the loan as 'Paid in Full '. 
As an extra measure I kept checking each day for a few days afterwards and the amount stayed the same ( as {$0.00} and 'Paid in Full ' ). Fast forward to XX/XX/XXXX I check the website again and now the balance Nelnet is showing is up to {$35.00}? I am furious seeing this but I decide to use their site 's payoff calculator and schedule a payment for XX/XX/XXXX as the amount Nelnet showed for that day ( XX/XX/XXXX ) as {$35.00}. So now I am paying them an extra {$35.00} after their site showed for a week that I already paid my loan in full. I have contacted Nelnet asking for information about this matter but I am getting no response from them regarding this issue. I do not want this cycle to keep repeating itself when I have paid in full what I owe already. 
Thanks for reading!
Consumer complaint received 2024-01-02
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: Bread Financial Holdings, Inc. (NJ)

Starting on XX/XX/, Comenity Capital has done five unauthorized hard credit inquiries on me. I have contacted Comenity several times, and each time, they tell me they do not have a record of the credit inquiry, and thus, they can not help me. I then follow up with XXXX, who tells me that I need to contact Comenity. 

I have frozen my credit score. 

Besides that, I do not know how to stop Comenity Capital from making these unauthorized, erroneous credit checks.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

Hello, I went to log into my account for USAA checking account and noticed it was closed. 

USAA is stating my exhusband whom iv been divorced from for about 10 years was CO owner on the account and closed it this is their speculation by the way. 

They can not confirm who closed my account WITHOUT my permission. 

My exhusband hasnt has access to my account nor any of the security questions that usaa asked to speak on behalf of your account. 

would like to note they said this person called in- couldnt provide with who or pull the call I have attached my last statement with USAA Showing my account was in good standing. This account is not my primary account as there are limited transactions. 




We may require you to give us a minimum of seven ( 7 ) calendar days advance written notice when you intend to close your account by withdrawing your funds. We may refuse to close your account. NO NOTICE WAS GIVEN
Consumer complaint received 2023-12-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

I originally leased my car from Hyundai back in XXXX of XXXX. In XXXX of XXXX, I bought out the lease through a loan from my bank, XXXX. Hyundai never released the title to XXXX. I paid off my loan through XXXX in XXXX, and in XXXX  I wanted to sell my car, but realized I had never received the title. XXXX told me they did not have the title from Hyundai, and when I went to the DMV, they told me my car was still showing the title listed as Hyundai. It has been a year of back and forth with Hyundai trying to get them to release the title, but they have not and claimed it was " too old '' for them to release and they don't have a copy, but also will not send the information to the DMV to get the copy of the title sent to me so I can switch the title to my name.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I checked my credit report recently and it shows i have late payments to my XXXX XXXX XXXX XXXX. Which is weird to me becauae im on thr credit protection program and they have been making my payments for 3+months. please see attachments
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (DC)

NelNet is the servicer for my student loan from law school. I made a large payment ( almost {$15000.00} ) to satisfy the remaining balance on my final loan. There is no record on my NelNet account and customer service representatives have told me there is no record of the payment despite NelNet withdrawing the total funds from my savings account over XXXX weeks ago. I have called customer service twice and written an email as directed, but the situation is not resolved. I believe NelNet has acted with, at best, gross negligence, and at worse fraud, in servicing and processing my loan.\ On XX/XX/XXXX I scheduled a payment for {$14000.00}, the effective date of the payment was XX/XX/XXXX. 

On XX/XX/XXXX the funds were automatically withdrawn from my personal savings account. This is the account from which I have made all payments to NelNet in the past. These funds have never been returned to me. 

On XX/XX/XXXX I called the NelNet customer service line because I realized the funds have never been applied to my account, and there was no longer any receipt of the funds in my payment activity portal ( previously, it listed the payment, and described it as " pending '' ). The representative I spoke with said she could " see '' the payment on her end, and emailed me a confirmation of payment receipt. See attachment XXXX. She instructed me that if the payment had not processed by the new year I should call again. 

On XX/XX/XXXX I called NelNet customer service because the payment has not yet processed. I was informed there was no record of my payment and no record that NelNet received the funds. The same day I emailed a customer support email address. The situations is still not resolved.
Consumer complaint received 2024-01-02
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: TRANSWORLD SYSTEMS INC (MD)

XXXX  I reported inaccurate collections from Trans World Systems , IncXXXX to XXXX. The transaction was not removed and remains on my credit report. 
XX/XX/ I reported inaccurate collections from Trans World Systems , IncXXXX to XXXX requesting that this transaction be removed from my credit report. Dispute # : XXXX via telephone to agent named XXXX. This will be my second time making a complaint about the transaction. I received an email stating that I can check the results of my dispute however, the only information that is given is the status of the complaint but not the actual results of the dispute. There is on pdf file attached displaying or explaining the results of the dispute. Additionally, the website XXXX states that you can view the XXXX however, the website just loops you back to the view dispute status page. The transaction was not removed and remains on my credit report. They also told me that they would not reivestigate this transaction. 
XXXX I requested validation versus verification of the debt as I don't have a contract, have never had a contract and don't owe Trans World Systems , Inc.XXXX This information has not been provided to me. 
XXXX Making an official complaint with CFPB.
Consumer complaint received 2024-01-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: STATE EMPLOYEES CREDIT UNION (NC)

NC State Employees Credit Union took a back HELOC payment from two different accounts I have with them. This was not the first time they have done it. The first time I asked them to reverse it because I didn't have any other income coming in at the moment to care for the basic needs of my family. On XX/XX/2023 they did it again and moved the funds to cover {$360.00} this was at a time that I didn't have funds coming into account until the last day of XXXX since I started working for the school system. 

They took the funds which made other automatic outside creditors default and charge me for that. I asked the bank to show me where I signed that it was ok to move the funds. It took 3 weeks for someone to show me, because " Right of set off '' is nowhere on the promissory note. They showed me an online document on page 43 where it shares about " Right of set off '' XXXX XXXX XXXXwww.ncsecu.org/XXXX My issue is that no where was I given that understanding. Nowhere on the promissory note does it talk about my funds being pulled out of where money is in my accounts. 
1-I have my children 's accounts attached to me which will get them in a bind if I hadn't had money in other funds. 
( I will disconnect it all because I don't want them to be penalized for my doings ) 2-I now have a longer list of monies that I have to pay with other creditors because of defaulting on their automatic payments where the bank also charged for insufficient funds 3-Where does it say on the document what constitutes their authority to take the funds if I didn't get anything in writing with it? How many days before they will do it? AND when do they do it because I have been late before and it wasn't done 4-Who protects me from other creditors going after the debt I have with them? 
5-Collections said it was given to me when I opened the account it is my responsibility to know what all the bank writes that they will do. The PDF was updated in 2023, what did it say when I opened the account almost 25 years ago? Was " Right of set off '' in place then? 
6-I also did not get a letter stating what they had done until after it had been moved. Attached are the promissory note, and the letters from the bank where they took the money and sent a letter as an after thought. 

I am a Member of NCSECU but feel like a criminal, I want restitution for what happened with an apology showing me when consistently it would be taken off and where I said that they have the authority to pull those funds from any account.
Consumer complaint received 2024-01-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MS)

I received an American Express gift card totally {$25.00} for a XXXX gift. I activated it on XX/XX/. It says the card is active and the balance is {$25.00}. Ive tried to use this card in stores ( XXXX : XXXX ), inside the gas station, online ( ex : XXXX, XXXX, XXXX ), to pay my phone bill ( XXXX XXXX ), to pay my power bill ( XXXX XXXX  XXXX ) to add it to my XXXX XXXX  and to buy something for my XXXX  on his XXXX XXXX. Every transaction has been declined. Ive called 3 times asking why its not working they keep saying its declined for my protection and to keep trying but that i also need to pick different stores when I asked why stores they couldnt tell me and just kept repeating that its for my protection. I can not use this card anywhere it does not work. Regardless that it says you can use it anywhere Amex is accepted.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NJ)

I recieved a 1099-c, for cancellation of debt for the tax year XXXX, and filed it along with my income that yeat, Yet the account is still showing on my credit report, The debt is cancelled and therefor no longer exist and should not remain on my credit report
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OK)

Company : Nelnet. I paid the full amount of one of my loans and the servicer tried to say I still owed XXXXXXXX XXXX of principal. There is no way in their online system to enter an amount larger than what's on screen and there's no way to pay less than {$1.00}. So ultimately, I was unable to add an extra XXXX XXXX to my payment and no way for me to pay only XXXXXXXX XXXX. Yet they are refusing to correct the error or write off the XXXXXXXX XXXX 

Also failed to answer two customer service emails over the course of a month and then I had to wait on hold for 2 HOURS to speak to customer service about this issue.
Consumer complaint received 2024-05-08
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: GOLDMAN SACHS BANK USA (TX)

Dear XXXX, I am lodging a complaint regarding Goldman Sachs Apple Card 's apparent embezzlement of funds after resolving a dispute and their failure to apply the funds to my account despite multiple attempts to contact them. 

I encountered issues with a laptop I purchased previously, and although the seller offered a free return, they only provided an address for me to handle the return myself, failing to adhere to legal terms. 

As a result, I initiated a dispute with the bank. After submitting all evidence, the bank notified me on XX/XX/XXXX that the dispute investigation was complete and the merchant charge ( s ) would be removed from my account. However, weeks later, I discovered that the credited amount had not been deposited into my account and was still under review. Despite contacting the bank three times about this issue, it has remained unresolved for over 40 days! 

I strongly suspect that the bank, after reversing the charge with the merchant, is intentionally delaying resolution to eventually demand payment from me without adjusting the balance, thus facilitating embezzlement! 

I urge authorities to oversee this matter. 

Thank you. 

XXXX
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (SC)

I found out that National Credit Systems has been affecting my credit score from XXXX to present, giving me XXXX negative marks on my credit report. I have no idea how much the debt is or what it is for, but they have not sent any letters and I have no way of paying the debt, as I dont have info from any letter to make an account.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (FL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$69.00} XXXX XXXX XXXX  **** Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MN)

XX/XX/year> my account was closed with XXXX in my spending account & XXXX in my saving when I was logged out of my account with chime. I tried logging back I. They said I had to verify certain information which I did so. They said they will open my account back after I sent my id and a bill I did my account was still locked. Finally after weeks of trying to talk to someone on the phone I got through and they stated that if I closed my account they will send me my money in a check I closed my account 3 years later never got the check. When I emailed or called them it said it was no account with my information please try again. My daughter XXXX birthday was ruined because they closed my account on her birthday and her party was ruined because I didnt pay for the rest of the party
Consumer complaint received 2024-01-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Roadrunner Account Services, LLC (FL)

During the week of XXXX XXXX, XXXX  Someone by the name of XXXX XXXX at XXXX continues to call my previous employer. This behavior is continuous despite my employer notifying that I no longer work there. If its not this person its another person. They have even asked to speak to supervisors even after being told that I no longer am with the company. I was contacted by my previous employer and informed of the ongoing calls from this number.
Consumer complaint received 2024-04-16
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. (OK)

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from XXXX XXXX, XXXX XXXX XXXX Fin, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX U, Exeter XXXX XXXX XXXX XXXX XXXX, XXXX Card, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX. Validation of the XXXX ( the actual accounting ) ; XXXX. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ; Uniform Commercial Codes ; XXXX Fair Credit Reporting Act ; and California State Statues for Lawful Purposes. 
XXXX. A copy of the contract signed by both parties and therefore binding both parties. 
XXXX. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
XXXX. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account. 
I hereby give you XXXX ( XXXX ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within XXXX ( XXXX ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; XXXX will no longer pursue this matter any further. 
-You agree to pay all fee schedules. 
Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I XXXX take action under Section XXXX of the Protection from Harassment Act XXXX and the Administration of XXXX XXXX XXXX XXXX, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing XXXX, distress, or humiliation ; because of their frequency or manner. 
Best Regards, by : XXXX XXXX XXXX, grantee, beneficiary All Rights Reserved