davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (NJ)

Due to XXXX I suffered the loss of my mother, sickness, and a loss of income, so it has been quite a struggle to maintain while coping with such tragedy. I have been reaching out to my mortgage company for over a year tying to obtain assistance with my situation, and to date, I have not been able to get a consistent answer. I have tried to apply for loss mitigation, and covid assistance, and most recently, assistance from the XXXX program. 
In that process I also applied for bankruptcy, which is now open. The XXXX program has been trying to obtain documents from my mortgage company since XX/XX/2022, and they have been completely unsuccessful. My representative at the XXXX program asked that I reach out to my mortgage servicer in an attempt to retrieve the information needed. I have called multiple times and have gotten a different answer each time, I was even told by a representative, that she acknowledges I was given incorrect information. I have talked to rude customer service reps at my mortgage company on more than one occasion. 
i have explained I just need assistance getting the records needed in order to move forward with my approval in order to get the payment assistance I need. 
On more than one occasion I was assured the documents the XXXX program needs have not been sent. 
I was advised to seek help with CFPB in hopes to get this matter solved. 
My mortgage servicer is Cross Country mortgage. I have provided my contact information, and advised that I am aware of the process when there is an active Bankruptcy in place, but in order to get the matter regarding the documents getting to the XXXX program, they can call me at anytime, and nobody will respond to my request.
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (NC)

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX SELFREPORTED XXXX Balance : {$280.00} ; XXXX SELFREPORTED XXXX Balance : {$220.00} ; XXXX SELFREPORTED XXXX Balance : {$190.00} ; XXXX SELFREPORTED XXXX Balance : {$21.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (OH)

XXXX contacted me offering XXXX internet, I explained there was no service in my area. They offed a unit and a phone on loan to test, I said okay. They sent me a XXXX internet unit and a cell phone, I tested both explained only had XXXX bars and they were dropping in and out, asked if they had a boosted they said not that would work. I said okay then I would like to return items as they are not good to me. Returns were set up and I repacked everything in original packaging printed out the return labels and dropped off at XXXX store. I received notice that items had been received okay. I then get a invoice for XXXX saying I owed them money, I contacted the sales rep he said he would take care of it, next month same thing a bill from XXXX for XXXX this time I emailed the sales rep he responded with " Absolutely, It's a quick fix '' next month same thing, I contacted him again, this time the response was " On it, sorry about that '' next month I get a letter stating if I do not pay they will turn me in to a debt collector, I call the main number spoke to various people eventually I was told it was resolved I owed nothing. Next month I get a letter from a debt collector for the XXXX I disputed the debt explaining what happened, they eventually responded stating XXXX has verified the debt. - What can I now do to fix this issue
Consumer complaint received 2019-10-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc. (NY)

On approval of my XXXX loan I called SoFi to change my autopay date. Their customer service told me I needed to make one payment before I was allowed to change It and that I was only able to either have the Autopay date of the XX/XX/XXXX or XX/XX/XXXX..  My payment was made on XX/XX/XXXX and i proceed to change the date of the my new autopay. I successfully changed it to the XX/XX/XXXX and only afterwards did I realize when I logged in again that I was being forced to make two payments in XX/XX/XXXX. I called the company and spoke to a supervisor XXXX who told me that there was nothing I could do about this and I would be responsible for making two payments because I had changed my autopay date. If I had been told that this was in fact the case either online or via the three calls I made to their customer support I never would have put myself in financial peril by doing that. At this point I am being forced to pay twice for something that I was never notified about the repercussions of doing this even after having spoken to more than two agents. I feel ripped Off and so upset at what has happened to me. This is unfair practice and should be illegal.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NJ)

We have four student loans that were transferred from Navient to Aidvantage. 
Three are grouped together under one monthly payment and one is a stand alone under a seperate payment. All were paid on time for XX/XX/2023. The three grouped together were paid in full but only one was credited with the entire amount of payment the other two are now over due.The stand alone loan was paid in full on time, pament was credited but now appears that they assed a late penalty. I have tried to get them on the phone but to no avail, been on hohd for fourty five minutes to one hour.they also do not respond to my emails. Navient were great Aidvantage is a nightmare. I don't want to make anymore payments till this gets cleared up. 

Thank you very much, XXXX
Consumer complaint received 2023-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MI)

To whom it may concern, We used Paypal as a payment processor on our website and suddenly after six months of using their service, they sent us an email on XX/XX/2022 stating that we can no longer do business with PayPal because we're in violation of PayPal 's Acceptable Use Policy. Also, they held our balance of over {$51000.00} for six months which caused our business many financial hardships. The money has been on hold for over 3 months and we can not wait any longer because we may lose our business.
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

When I changed my account from a student checking account to a standard checking account, I asked to be opted out of the option to overdraw my account. It was never done, and I continue to be overdrawn and charged an overdraft fee. Funds are added back within a day or 2 and Im left overdrawn because of the fees they charge.
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (IL)

In XX/XX/XXXX, we were first notified in writing of a debt collection agency was pursuing a debt owed on a credit card account of {$1700.00}. The notification from the debt collector, XXXX XXXX XXXX ) was the first instance of ever being notified that an account existed and that there was money owed on the account. Based on the info I received in this notification, I contacted XXXX who line of credit was opened through and was hung up upon. I then checked the XXXX credit reporting agencies and confirmed that no line of credit was ever open with XXXX. The only record of this line of credit is when XXXX XXXX XXXX, began to work in pursuit of collecting the debt and reported the collection to the various bureaus on XX/XX/XXXX. There is no record of ever opening this line of credit with XXXX XXXX incurring the debt from XXXX XXXX, or being notified of the debt from XXXX XXXX  before the account being sent to XXXX. I have continued to respond in writing to XXXX and their legal team XXXX XXXX XXXX XXXX XXXX XXXX  and repeatedly have asked them for the signed authorization when the line of credit was opened and the purchase that created this debt. I have only received an Account Statement from XXXX XXXX from XX/XX/XXXX that shows the amount owed {$1700.00} it is not the statement showing the original purchase, and nothing has ever been provided showing the line of credit authorized to be open. I will add that the address on this statement is a home address that I have not lived in for over XXXX  years which is very alarming and concerns me that this could be fraudulent as well. There is potential that this line of credit was opened fraudulently, but I'm unable to file a police report as I have nothing to show that this line of credit even exists. The last written correspondence from XXXX XXXX XX/XX/XXXX XXXX states that they have received and reviewed the dispute but they still feel the debt is owed. I do not owe this debt. My credit report can serve as evidence that the account was never opened, and XXXX XXXX have yet to provide any of the requested documentation.
Consumer complaint received 2019-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX XXXX sued me on a time barred debt on XX/XX/2019. 

The following is the garnishment on my wages from a time barred debt. 

XX/XX/2019 Garnishment {$250.00} XX/XX/2019 Garnishment {$37.00}
Consumer complaint received 2023-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (MD)

To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed NCB MANAGEMENT SERVICES that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. IF YOU DO NOT REMOVE I WILL SUE YOU IN COURT FOR DEFAMATION OF CHARACTER. 

FTC IDENTITY THEFT Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .AND STOP REPORTING THIS FRAUD ACCOUNT. 



COLLECTION ACCOUNT : NCB MANAGEMENT SERVICES Account Number : XXXX delete it from my credit report Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I had tried to get a loan adjustment. They said they could help but come to find out the company that they hired to help them apparently took the money and disappeared. So the whole time I was making payments, Wells Fargo was not receiving them. It ended in foreclosure. We had to move out and Wells Fargo was at the court house bidding on buying it back. Without giving me a chance to fix the wrong they did to me. It was foreclosed on in 2014 we owned the house before this
Consumer complaint received 2022-05-24
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: Eastern Account Systems of Connecticut, Inc. (FL)

In accordance with the Fair Credit Reporting Act, Eastern Account System 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 an account without my written instructions.XXXX Original creditor ( 2 accounts ... continue to open and close on each credit bureau, as well as the dates are not the same, continue to change, I have disputed this account multiple times. Spoke with XXXX XXXX, XXXX and XXXX. It is still on my account. )
Consumer complaint received 2019-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Love, Beal & Nixon, P.C. (CO)

A garnishment hold was placed on a checking account of mine for a debt that is not mine. The collection company ( Love, Beal & Nixon PC ) in XXXX  XXXX, OK refuses to provide any information on what the collection is for, they have not validated the debt and I was never served with any paperwork for this debt. I have never been made aware of this debt and does not show up on my credit. I have no idea what this is and the collection company refuses to communicate any information in regards to this debt they are attempting to collect.
Consumer complaint received 2023-03-08
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}
Consumer complaint received 2023-10-30
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. (MI)

This creditor has violated my rights causing me to be denied for housing. I have the right to privacy. A consumer reporting agencies can not furnish an account without my written instuctions. A creditor may not treat a payment on a credit account under a open end consumer plan as late for ANY PURPOSE. 

XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America - Online Fraud claim # XXXX POLICE REPORT # XXXX NAME : XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX - I observed in BOFA online , there was unauthorized/ fraudulent transactions in process ( BILL PAYMENT debit to two accounts : XXXX XXXX XXXX  : {$6000.00} + XXXX XXXX XXXX Card : $ XXXX : {$10000.00} ), so immediately contacted thru phone on customer service fraud department and they told we can not do anything at this point and once it will post/ transaction completed then we can take action. 
So, on XX/XX/XXXX - called again customer service, reported same thing and they took case ( filed claim # XXXX ) and said starting investigation. 
on XXXX went to XXXX XXXX md police satiation and filed a case related to the same thing. 
and called customer service a couple of times, no updates XX/XX/XXXX - called again, BOFA told case is in under review and BOFA requested docs to fax : Faxed police report XX/XX/XXXX - one of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  called me and said starting investigation, after that no updates XX/XX/XXXX : I called again- they told claim got denied as " the funds were sent out same from my account. I explained everything again they told will reconsider claim and will start investigation time frame : 10 days for investigation, 45 days finalize.. ''
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX  All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc. (MO)

Sent by professional credit services on behalf of XXXX XXXX. 

Professional Credit Service acct # XXXX pin # XXXX XXXX XXXX acct # XXXX Amount owed {$93.00} This account is owned by XXXX XXXX. XXXX XXXX died on XX/XX/2022. Attempted to contact debt collector but they continuously hang up on us. They have XXXX XXXX ( misspelled ) should be XXXX who was a minor when this account was created. They continue to send these bills although they have been informed about XXXX 's passing.
Consumer complaint received 2023-03-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank ROBBED {$74.00}, XXXX from us from payment of {$99000.00} that was paid in XX/XX/XXXX. 
Principal balance at that time was {$110.00}, XXXX Of the payment of {$99000.00} {$25000.00} was applied rest has been stolen and robbed. 
{$110000.00} less {$99000.00} equals to {$12000.00}. 
After receiving payment and applying {$99000.00} unpaid principal balance fell to {$86000.00} Wells Fargo Bank applied only {$25000.00} and not {$99000.00} {$110000.00} less {$25000.00} equals to {$86000.00} On XX/XX/XXXX loan was transferred to XXXX  with unpaid principal balance of {$85000.00} with negative escrow account of {$13000.00} but Wells Fargo Bank has no records. I was confirmed around XX/XX/XXXX by Wells Fargo Bank they have have records for negative escrow account after filed complaint to CFPB. 
At the time {$99000.00} was paid account should have been full current account but it had negative escrow account of {$13000.00} and has no records for this. 
County added public and nuisance to escrow account and this is not property tax bill and no has records of what public nuisance is in property tax bill.

PUBLIC NUISANCE IS NOT PROPERTY TAX WILL NEVER BE PROPERTY TAX PERIOD.

STATE OF CALIFORNIA AND FEDERAL GOVERNMENT IGNORED UNTIL SUCH TIME LAWS ARE CHANGE BY CONGRESS PUBLIC NUISANCE IS NOT PROPERTY TAX BILL. 
Total amount I have lost in payment and mismanagement is XXXX. Wells Fargo Bank should pay restitution of {$96000.00} plus interest for stealing and robbing {$96000.00}. I have been asking records since XXXX how payments were applied, and this has been refused. 
I am also asking CFPB to for full investigation with US attorney, attorney General XXXX XXXX, FTC, FBI, DOJ and other law enforcement for full criminal investigation. Put those who stole the money in the jail.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: National Credit Care, LLC (OR)

A XXXX XXXX  employee refered me to National Credit Care to try and remove my " late mortgage payments ''. I missed a payment in XXXX and paid the rest on time up until XXXX when I realized when I was going to get a VA Construction Loan. I was notified by the lender that i had 2 late mortgage payments. I was unaware of this. They used wach payemnt i made on time for the previous months payment. I was told by them they can not remove them as they are " accurate ''. The employee gave me a guys number and his name is on the website account. I feel this is a scam as I spoke with another lender about the process of what they do. They are misleading. I am a XXXX veteran being scammed by my own countrymen. Can you help me?
Consumer complaint received 2022-05-24
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)

In accordance with the fair credit reporting act XXXX account named XXXX XXXX compan has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX