davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NV)

I am asking for the Consumer Financial Protection Bureau 's assistance in a matter of great concern. 

I was the victim of a purse snatching on Saturday, XX/XX/2020. I immediately reported the theft of my purse and wallet to the XXXX XXXX Metropolitan Police Department ( XXXX  ). Detective XXXX was assigned to investigate the Larceny from Person offense. 

My XXXX XXXX Business Mastercard, issued by Barclays Bank Delaware, was among my credit cards that were stolen. A few fraudulent purchases were made on that card on XX/XX/20, including one on XXXX. The fraud department at XXXX   advised me that they needed my full 16-digit credit card number to track down the order. Only the last four digits of my credit card number ( XXXX ) are listed on my monthly Barclay Business Card statement, so I contacted the fraud department at Barclays for my full credit card number. I was told that for security reasons, Barclays could not release the credit card number to me. My husband, XXXX XXXX, who is the primary cardholder on the business account, was also told that the information could not be given to him for security reasons. I was instructed to have Detective XXXX fax over a copy of his badge on XXXX  letterhead, and the Barclaycard fraud department would release my 16-digit credit card number to him. Detective XXXX faxed over the information on XX/XX/20, as requested. When he did not receive my credit card information, he faxed a second request on XX/XX/20. I confirmed receipt of Detective XXXX XXXX fax with the Barclaycard fraud department on XX/XX/XXXX. As of today, XX/XX/20, Detective XXXX still has not received my credit card number! I have followed up several times with Barclays over the past few weeks, each time confirming with the representative that my phone conversation was being recorded. I spoke with the Barclaycard fraud department again this morning, and once again, I am being told that Detective XXXX XXXX request is still being reviewed by their investigations team! 

I am outraged that Barclays has impeded the XXXX XXXX felony investigation! Detective XXXX is concerned that video of the suspect or anything else that may help him in his investigation may no longer be available at the locations ( XXXX XXXX, XXXX, XXXX ) where my business credit card was used. 

I am now asking for the Consumer Financial Protection Bureau 's assistance in obtaining my 16-digit XXXX XXXX Business Mastercard credit card number from Barclays Bank. No consumer should ever have to go to such lengths to get their full credit card number from a financial institution! Furthermore, Barclays Bank should never be permitted to impede a felony investigation! 

I greatly appreciate the Consumer Financial Protection Bureau 's assistance in resolving this matter.
Consumer complaint received 2020-03-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (CO)

Hi, I was enrolled in auto debit for both my loans with Sallie Mae. I setup payments to be withdrawn on the XXXX of every month. The first auto payment for both loans was set to be auto debited on XX/XX/2020 ; however it was not. I checked the website and it said that I was enrolled. 

After that, I was charged a {$20.00} fee and approximately {$55.00} in additional interest. Furthermore, my stepdad a cosigner, was notified as if I was delinquent. 

When I called to have the fees reversed, the first agent I spoke with disconnected me after being on hold for 30 mins. The second agent seemed incapable of understanding this issue. Furthermore, she would put me on hold for 10-15 minutes to investigate an issue that I could see just by logging in. 

I repeatedly asked if she could refund the additional interest and the {$20.00} fee and she had difficulties even locating the transactions ( should be at the top of her report as they are recent ). When I expressed my lack of confidence in her ability to resolve my issue, she stated that she would transfer me to another department. During the transfer she initiated, I was disconnected again. This after being on the phone for over an hour. 

The agent 's identification number is : XXXX And while I listed just one agent ( the last one I spoke with ), both the agents I spoke with on XX/XX/2020 were incompetent. I spent approximately 1.5 hours trying to get this resolved and nothing seems to have happened. I'm sure Sallie Mae has a record of the first agent. 

The agent continually stated that the payment wasn't processed due to insufficient funds ; however, I can not only prove that I had sufficient funds on XX/XX/2020, I can also prove that no overdraft fee was charged to my account on XX/XX/2020 which would've happened had the charge been processed and I did not have sufficient funds. The system did not attempt to process the transaction. 

I would like to have all additional interest and fees associated with Sallie Mae 's failure to process my auto debit refunded. Approximately {$72.00}. 


{$20.00} fee on XX/XX/2020 ~ {$12.00} additional interest on XX/XX/2020 ~ {$40.00} additional interest on XX/XX/2020 Best, XXXX
Consumer complaint received 2022-12-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

Our house was foreclosed on by Wells Fargo in XXXX of XXXX. We lived in XXXX Illinois at the time. XXXX XXXX XXXX XXXX XXXX. My husband had been laid off at the end of XXXX at the beginning of the recession and we spent our savings to stay in the house and applied for multiple assistance programs but nothing. The lender Wells Fargo would not work with us at all. I hear there have been lawsuits against wellfargo related to mortgage foreclosures. The Obama administration was saying that The lenders were supposed to work with us as much as possible but they did not. They just wanted the house.
Consumer complaint received 2019-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. ()

I am a XXXX XXXX with some student loans serviced by Navient. Over a year ago I filed for a XXXX discharge and was granted a permanent discharge by XXXX. They apparently sent the proper notices to Navient and about half of my loans got discharged and I recieved a refund of what I had paid. But, the remaining half, now amounting to almost {$20000.00} still has not been discharged. It has been about a year since the discharge decision and notice from XXXX. I am in forbearance that is about to end and my balance is growing daily due to interest instead of being discharged. I have called Navient several times during the year and was told that verification processes were taking longer for these " consolidation '' loans. Last XX/XX/XXXX a rep told me my discharge was scheduled for XX/XX/XXXX of this year. That date has come and gone and no discharge still. Now, when I call Navient, they say they know nothing of my discharge and tell me to call XXXX. XXXX confirms what I already know, that my student loans are to be discharged. Navient does nothing and my balance keeps growing ...
Consumer complaint received 2022-10-12
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). 

If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX XXXXrue, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}
Consumer complaint received 2022-12-28
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. (TN)

I disputed the information numerous of times and still received misleading information. First I never gave written consent for my information be used incorrectly. Secondly the company stated they will remove/delete the misleading information but as of today the information is still reporting. Please remove the misleading information immediately. Thanks XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2020-03-23
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX. I have an incorrect account reporting on my credit report from the company XXXX XXXX, XXXX. I sent a validation letter to XXXX XXXX which was received by them on XX/XX/2020. As of XX/XX/2020 my alleged debt to XXXX XXXX still has not been properly validated. As of XX/XX/2020 XXXX XXXX  continues to report an incorrect /unvalidated/unverified account on my credit report. To my understanding this is against federal law. Also, to my understanding XXXX XXXX XXXX had a judgement against them vs State of Texas in XXXX County TX district court for not acquiring consumer agreements and providing them per alleged debtors request. I have requested a consumer agreement and have not been provided a copy of the agreement as of XX/XX/2020. This is against my federal rights to have incorrect unverified accounts reporting on my credit report.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX XXXX   XXXX  Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2020-03-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MD)

The Single Point of Contact Department for Caliber Home Loans , Inc., located at XXXX XXXX XXXX XXXX XXXX, Ok. I applied for a modification on my loan XX/XX/2020 due to illness ( XXXX XXXX ), they denied me due to my income. I am a XXXX XXXX XXXX with my daughter, XXXX XXXX, who is a XXXX XXXX XXXX with XXXX XXXX. We do XXXX XXXX XXXX XXXX, we have a XXXX  XXXX  on the XXXX   which we should net $ 80K plus upon XXXX. I did an appeal requesting an extension until I sell the XXXX  and will be able to catch up my mortgage, approximately $ 20K, I haven't made a payment in 5 months XXXX XXXX, back on XXXX which my daughter is my Care Taker and have not had time to dedicate to XXXX  XXXX  due to helping me. Now that I am settled and doing better she is back to work. 

I filled for a Modification XX/XX/2020 and was denied due to my Income. I filed an Appeal in XX/XX/2020, they denied me again sending me the same denial letter stating not enough income. I sent them a copy of the proposed buyer contract showing the figures at Settlement. When settle I will have more than enough to catch up my mortgage and keep it up, my daughter will be helping support me. I don't think the Single Point of Contact Department Team even read my supporting material I sent. It is obvious I will have enough to catch up my mortgage and keep it current, all I am asking for is a little time so I can go to Settlement. Thanks for your time and consideration.
Consumer complaint received 2020-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not authorize or give consent to XXXX XXXX XXXX XXXX to pull my credit! This has affected my score tremendously and I am highly upset with all of this being done without my knowledge! Please remove this from credit report as soon as possible!
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (NY)

Both accounts are passed the 7 year mark to be removed from my credit history. Accounts XXXX and XXXX The last payments made on these accounts were in XX/XX/XXXX. Today 's date is XX/XX/XXXX it been a full 7 years. please remove these accounts fully from my credit reports. As i have written proof from date of last payment for both of these zombie debts.
Consumer complaint received 2020-03-23
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. (CA)

I applied for a personal loan today XX/XX/2020 and I was not approved due to having over 15 accounts in negative standing appearing on my credit report. I was shocked when I found out about these accounts because none of them are mine. I did not open any of those accounts and I have never allowed anyone else to open all of those accounts on my behalf. I do not have any contract or agreement with any of those companies and I have never allowed them to access my credit. I did not benefit anything from these accounts such as money, goods, services or any other benefit ; If anything, these accounts are only bringing stress and problems. I did not make any payments towards any of these accounts. I filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on my credit report.
Consumer complaint received 2020-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NC)

Ref : XXXX Disputed XXXX Account Proof of being with XXXX I have proof that I was with XXXX at the time that XXXX is claiming I owe them {$170.00}. Originally 'XXXX  XXXX  ' chased me for this money and then I received this email from them : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX <XXXX> XX/XX/XXXX, XXXX XXXX  XXXX, Thank you for contacting us. Our system is showing this account was closed in our offices XX/XX/XXXX. If you have any further questions, please contact the original creditor. 

Thank You, XXXX XXXX Client Services Clerk | XXXX XXXX , XXXX . 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I confirmed with XXXX on the phone after this email that the debt was indeed cancelled and I need not worry any more about it. 

I have attached two documents proving that on XX/XX/XXXX, I XXXX XXXX was not with XXXX but was with another Carrier at  the disputed time. I was and am still with XXXX since XX/XX/XXXX. 

Why now is ANOTHER collection agency coming after the same amount? 
'Southwest Credit Systems ' - XXXX XXXX XXXX XXXX Texas is calling  me regularly again for the same amount and now at a time of financial crisis has reduced my credit rating, so that I am now ineligible for the Home Equity Loan that I need to keep my family 's head above water at this critical time! 

How is it possible to dispute a payment, win the dispute and then be approached a year later for the same cancelled debt? 

Many thanks, XXXX XXXX
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (NY)

I am filing this complaint on behalf of XXXX XXXX XXXX. Paypal seems to be reluctant in paying XXXX XXXX to their alleged valued customers. As you will see from this video first I disputed XXXX ATM charges and then I looked in the XXXX XXXX XXXXnd neither of the XXXX transactions were listed. 

I think that it is really ridiculous when a company of the magnitude of PayPal would stoop to such lowly ways and means as to XXXX a long time customer out of only {$800.00} since XX/XX/2000 and many accounts that date back before that even. 

PLEASE NOTE THAT YOUR UPLOAD FOR VIDEOS HAS MYSTERIOUSLY QUIT WORKING AGAIN EVEN THOUGH IT WAS FIXED AND I DID UPLOAD VIDEOS IN PAST COMPLAINTS. 

Video so you can see the problem as the longtime customer sees : XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I disputed the information numerous of times and still received misleading information. First I never gave written consent for my information be used incorrectly. Secondly the company stated they will remove/delete the misleading information but as of today the information is still reporting. Please remove the misleading information immediately. Thanks XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2020-04-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

We have a previous complaint on file about the servicing errors and about Nationstar Mortgage dba Mr Cooper, refusing payments, retuning automatic payments as refused, then charging us late fees and starting foreclosure process, as a predatory lending practice. When brought to their attention to get them to fix it. We were told to fix it we had to apply for modification, most of there errors were caused by botched modification from late 2018. So we paid hope mortgage fees, HUD second mortgage fees twice, and lastly on a botched modification, and was ultimately made to sell our home, that was valued at XXXX, for $ XXXX- as you lender said we couldnt get the modification because we already had one. Also we couldnt open our account to make payments even though we hadnt missed any payment, until they stated refusing payment. We have sold the home to protect our investment, however with them threatening to still proceed with foreclosure, we had no choice but to sell fast,
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Received calls from this number on XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. At which point after checking, confirmed it was Capital One. On XX/XX/XXXX at XXXX I asked them to please discontinue communications, also expressed to them It was Sunday they shouldn't be calling me on a Sunday. I acknowledged with them that I do have a payment to make however it's only been a few days, They state XX/XX/XXXX was the due date. I expressed to them that this is not the time to be calling people to pay when there is a pandemic and hours are being cut at work. I asked if I was in grace and asked to confirm when they report to the credit bureaus. I was told yes and that they report in 30 days, at which point I told them my priority at the moment is food and shelter and once I know what my situation with work is due world events, I can start paying again. Account is past due but not the point I should be harassed ( 7 days ). Agent was then told this is not business as usual and hope they can understand me requesting to cease communication and that I would try to pay what I can and hope it goes in as good faith payments. 

I received another call again on Monday XX/XX/20 at XXXX, I did not answer. 

CFPB should also do something about collection practices in general due to COVID-19.