davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I m making a complaint against my mortgage company. I feel theyre giving me the run around with my mortgage. I had a case against them that was settled out of court. I signed the last papers of my settlement agreement XX/XX/XXXX. I set up an online account. They acknowledged the account and welcomed me. I had a few questions about certain items that didnt seem right. I was locked out of the account and told I had to talk with my attorney because the case was still in litigation. I did and shortly received a email from him. The email was between him and the mortgage company attorney stating the litigation hold was off the case and they could talk with me. I m sending you a copy of the email. I talked with them until around XX/XX/XXXX because I didnt get true answers. They would tell me something would be done in 10 days call back. I would and get the same answer call back in 10 days so I stopped calling until XX/XX/XXXXof this year. I I called to see if I had a XXXX XXXX tax statement coming. They said they had mailed them on XX/XX/XXXX. I didnt get it so I asked If they could email it to me they said they mailed it to my attorney. I called him, he said he didnt receive anything because he had moved and had a new address. I called the mortgage company back and they said they couldnt talk with me because my account was still in litigation to call my attorney. Ive talked with him and he said he would talk with them. I have been back and forth between the attorney and the mortgage company since XX/XX/XXXX. The mortgage company said he needs to get in touch with them. He said he tried to call their attorney and finally he said to call him on XX/XX/XXXX at XXXX to do a conference call. I called XXXX no answer, left messages no call back. I called one last time the next week still no response. 
I m also sending you a copy of the escrow statement I received from the mortgage company. Up to receiving that statement I have received nothing from the mortgage company. The escrow statement and a check for over paid escrow payments for property taxes amounted to {$190.00}. They had been charging me over {$2200.00} too much for property taxes. They acknowledged it on the escrow statement. What I dont understand is how a {$2200.00} over paid equal to {$190.00}. Even if the hazard insurance went up {$340.00} it still doesnt add up to {$190.00}. Im sending you a copy of the statement. There are more things I not saying because I signed not to disclose the terms of settlement agreement. I have faithfully paid what they asked me to pay although I felt it was the wrong amount. I feel cheated and taken advantage of. 
The mortgage company is Mr. Cooper previously Nationstar.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NJ)

I've an account with XXXX XXXX XXXX Credit Card with Comenity Bank. I lost access to online account a month ago and I've been trying to contact their customer service to help me reset my password since the online reset doesn't work. Every time I call they want me to call after 24/48 hours later. The account was recently moved from XXXX XXXX XXXX to Comenity bank and I had 3 fraud transactions already in this account. I'm now worried and stressed out due to this. Please help me out. 

Thanks, XXXX XXXX
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

There are two settlements from XXXX XXXX XXXX since XXXX and XXXX that are still showing on my Equifax credit report. They reported this in XXXX ( 7-8 years later ). 

I would like to have these removed. I applied for a loan with my bank and they denied me. 

XXXX XXXX XXXX amount paid {$650.00} ( account was closed in XXXX ) XXXX XXXX XXXX XXXX paid {$1300.00} ( account was closed in XXXX ) the scheduled payments were {$110.00} and {$170.00}
Consumer complaint received 2019-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.A.Rogers, Inc. (NJ)

I Received a phone call first from a representative saying that he was calling me for a negative balance with XXXX XXXX. I couldn't believe it there was no way I had a negative balance with them. I asked him to send me all the paperwork showing that I owed this. I haven't received it. On XX/XX/2019 I received an alert from my XXXX, XXXX and XXXX credit reports saying a new collection account was added to my credit report. The collection account was from RA Rogers Collection. No this is not right this is not mine. I have attached a police report and FTC Affidavit and I have furnished this via USPS to RA Rogers and all three credit reports. Remove this close this account and leave my be.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I am looking to start a new job and I buying a car this month I noticed that my infomation was not accurate of my credit report. I would like to update my file. My Name is XXXX XXXX XXXX Please delete/remove any other version of my name.The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is more than one XXXX XXXX in my area and I dont want my information confused with his information.
Consumer complaint received 2019-09-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc. (IL)

I told a gentle man who called on XX/XX/XXXX that I retained an attorney for bankruptcy, and tried to give him the name and phone number. he became abusive, saying he did not want that information he was trying to collect a debt from me not any attorney, I tried to repeat my attorney info and he just kept speaking over me and I hung up. 
Today XX/XX/XXXX female called me stating she was the branch manager from tower loan in XXXX, IL, I told her that a already told s gentleman yesterday that you need to speak to my attorney, she just began going into the reasons why I took the loan, was abusive and rude and once again refused to take my attorney information.
Consumer complaint received 2021-03-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$480.00}, {$1300.00}, {$1200.00}, {$630.00}, {$0.00}, {$0.00}, {$200.00}, {$2400.00}, {$990.00}, {$2400.00}, {$9000.00}, {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 6. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX XXXX ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$200.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$990.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 

12. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account.
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I sent, via certified mail, a letter to Capital One disputing inaccurate information on my credit report. In my letter I detailed the issue and provided proof of my credit report showing their mistake. 

My dispute with Capital One is as follows : I had an old credit card that was closed due to non-payment back in XX/XX/XXXX. This card shows on my credit report as a negative against my score. ( This is accurate ) I made an agreement with a Capital One rep to open a new card and allow me to pay off the balance of the closed account. In XX/XX/XXXX, I was given a new card and the balance of my old card had been transferred over. My new card has been paid on time ever since, no issues there. 

The problem exists in the reporting. My old card shows as a negative closed account with the months for nonpayment. ( Accurate ) My new card shows as if it was open since XXXX, when it was open in XX/XX/XXXX. ( They are reusing the date of the old card ) My new card also shows the old nonpayments on it. ( Has never been late or missed ) Capital One is reporting one negative account twice. They are double reporting the same months of one account in both the old card and the new card. 

Today, XXXX XXXX, XXXX, I received a generic Capital One letter dated XXXX XXXX, XXXX, stating that they are unable to change their reporting on a courtesy basis. ( This is not a courtesy. This is inaccurate ) The letter does not provide any explanation. 

I called Capital One and spoke to two reps and a supervisor. They all stated that they can not view any details on the case and that there is no one I can speak to because the dept that handles these claims is a back office.
Consumer complaint received 2019-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

My loan was sold or is being serviced by Specialized Lending Services, I was owing XXXX XXXX. I have Always paid my mortgage and this company has reported me 30 60 and 90 days late. Ive paid more than whats due. They refuse to address the incorrect info on my credit report.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

There was a XXXX XXXX  I bought a house and furniture anyway after that I had XXXX XXXX XXXX left and something I did put XXXX XXXX XXXX in a cd after shopping for some clothes and food I just was wanting someone to look at my account from before because something happened there was one time when I went in the bank and I was checking my account and I thought it's was worried because the boss of the bank was standing there and I had ask for my first print out when first got the account and told her to throw it away after looking at it and ask her to print another copy.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (FL)

I have a XXXX Credit Card. I had a Special Non Interest Promotion. I was Paying more than the Minimum Payment and was not aware that Payments would need to be called in to apply to cover that Promotion. I speak english but do prefer to have written correspondence in XXXX. I recieve a Email advising that a promotion had expired. Interest was applied to my credit card and when I tried to call the Bank to see what options I had I was told that there was nothing they can do. I asked about the terms and conditions, since my son who works for a Credit Card Company advised that there should be a way for them to reallocate the balance. since more than the minimum was being paid. To waive the interest that had accumulated ; however the Bank told me that there was nothing that could be down and that pretty much I had to pay the Balance and figure it out. No options were provided by Customer Service or a Manager. I later became ill and was in the hospital for over 3 months when I called the bank to explain the situation they told me it was policy that they were only able to waive one fee in a 12 month period. I would have to the fees and the information could not be corrected and sent out to the credit bureau. since it was pretty much my fault that I got sick. So now I am forced to pay a multitude of late fees and int. which as a senior citizen my income will not allow me to pay such high bal.
Consumer complaint received 2022-01-08
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. (NC)

Equifax and XXXX has refused to provide proof of ownership of collections account XXXX XXXX who obtained MEDICAL records or bills from consumer XXXX XXXX. Also listing INOPERABLE addresses which now causes myself XXXX XXXX XXXX to be at a loss on obtaining credit reports and new credit. Pursuant to section Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act XXXX has either REFUSED or CAN NOT provide proof of DEBT. XXXX XXXX has provided a LEGAL lease agreement via upload on XXXX website. As the fair credit law states if not provided each CREDIT bureau is liable up to {$1000.00} per offense, they asked for response in writing which I have provided here on CFPB.com several times in past and to XXXX AND THE OTHER 2 MAJOR CREDIT BUREAUS at home addresses which are always IGNORED. Copy of my identification was already sent in the LAST round of CFPB complaints in year 2021. I will upload lease again so they can see WHERE the litigation will come from and WHERE to send the check for these major violations!
Consumer complaint received 2019-09-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION (GA)

XX/XX/19 - XXXX XXXX ( XXXX XXXX ) called my job regarding my outstanding balance. I do not dispute I owe, but due to illness and financial hardship, I do not have the funds. I was advised I had to make 2 payments by XX/XX/XXXX back on XX/XX/XXXX. They have called me 3-5 times per day every day except Sunday. No matter what you try to set up, they call. I have begged them to help by reducing my interest rate, they will not. They did put some of my late payments to the end of the loan. 

My illness is triggered by stress and this has been very stressful. I told them before when they called my job that I can not have personal calls at work. My job does not allow us to accept calls from anyone other than our customers. Today, they called and actually spoke to someone who is on the management staff. This can jeopardize my employment. I need help getting Regional Acceptance to not call my place of employment. I have requested this before, I have requested it in writing. I did not provide any work phone numbers, but they still called my work this morning. 

I have a meeting on Tuesday regarding this incident. My job is very strict about their personal call policy.
Consumer complaint received 2019-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

I received a telephone call from Mrs. XXXX XXXX ( phonetic ) of Chase Bank executive office who stated, they approved my reimbursement of {$2000.00} with regards to the City of XXXX, NJ vacant property registration fees and that it take SEVEN to FIFTEEN DAYS to receive my check. I reminded Mrs. XXXX that Chase Bank AGREED to reimburse for my expenses as well. PLEASE READ CHASE BANK 'S STATEMENTS TO THE CFPB DATED : 2016XX/XX/XXXX COMPLAINT # XXXX, " Regarding the XXXX, New Jersey Vacant Property Registration fees and charges, PLEASE SEND US AN ITEMIZED BILL SHOWING THE FEES CHARGED, INCLUDING AMOUNTS, DATES AND TYPES OF FEES, SO THAT WE MAY REVIEW ALL FEES THAT YOU PAID. Please send to : Chase Information Request XXXX XXXX XXXX XXXX, OH XXXX '' Despite requesting to be reimbursed for ALL of my out of pocket expenses, Chase Bank refuses DESPITE TELLING THE CFPB THAT THEY WOULD! In addition, Chase Bank stated to the CFPB that they did not receive my documents requesting assistance from them. PLEASE READ CHASE BANK 'S STATEMENTS TO THE CFPB DATED : XXXX COMPLAINT # XXXX, " OUR RECORDS DO NOT INDICATE THAT WE RECEIVED A COMPLETED APPLICATION WITH THE REQUIRED DOCUMENTS REQUESTING ALTERNATIVE PAYMENT ASSISTANCE ASSOCIATED WITH THIS LOAN. '' I previously submitted OVERWHELMING proof that I sent the documents to Chase Bank regular, certied, express mail & facsimile and I have attached a copy of the same in this complaint as well. More importantly, I read complaint ( s ) on the CFPB where citizens made similar complaints about Chase Bank lying stating that they did not receive their documents. Once again, I am requesting to be reimbursed for ALL of my expenses and I am requesting to reimbursed for Chase Bank INTENTIONALLY LYING TO THE CFPB by stating they did not receive my documents when in fact, I am/have submitted proof to the CFPB to disprove Chase Bank 's lies. I am submitting my itemized bill for reimbursement with regards to my expenses related to the City of XXXX Vacant Property Registration fees.Parking fees : {$100.00}, Gas : {$50.00}, Court Appearances & appearances with City of XXXX Officials ( approximately a dozen or more ) : {$1200.00}, Clean up & debris removal from XXXX XXXX XXXX XXXX XXXX, NJ {$750.00}
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

Hello, I have attempted to reach out to the collection agency to provide me with services that I had ( medical ), I request ( disputed ) 3 times in total directly to the bureau for Please be advised I have requested validation { not verification }, both the creditor and bureau ( XXXX ) have provided me with anything, the creditor has not responded to my concern. 
PHOENIX FINANCIAL SERV did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

Account # XXXX AND Account # XXXX
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc. (FL)

this company has 3 different accounts open with name from the same company opened in my credit history from XX/XX/2013. These debts had been taken care of by medicaid at the time. i tried calling and emailing them to try to fix the issue however they do not reply to my emails, even if i try to settle for a lower price they simply do not answer. It has been a nonstop battle with these people. 

they say i allegedly owe them the three different accounts are {$680.00}, {$680.00} and one for {$960.00}. 

I dont know what to do, i want to remove this from my credit report however they are impossible to deal with.
Consumer complaint received 2019-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC (CA)

On XX/XX/XXXX I received an email from LoanMe that specified to make a good faith payment since they were unable to collect their payment on the usual date around the XXXX of the month. I had previously discussed with them in XX/XX/XXXX, by phone, that I was not working and that my partner was going to pay them on the first of each month. I had also received the same email the previous month and did pay them by the first of XX/XX/XXXX the regular payment amount that they were asking which is around {$300.00} since I would owe a late fee as well. When XX/XX/XXXX came around they sent me another email also with the same information and that I had to pay before the first of the next month. I emailed them back and told them that I would only be able to pay them by the first of the month and that they would receive the amount that they usually do plus the late fee. The company knew how to get a hold of me and knows where I am. On Wednesday, XX/XX/XXXX at around XXXX XXXX. I received a message from my Father that a man named XXXX was trying to get a hold of me and wanted my information. I then called LoanMe and informed them once again that I would make a payment on the first of the month, I also discussed with them that they did not need to call my parents since I have had contact with them, they did admit that they called my parents and that they would not do that again. I believe it is unlawful, illegal, or otherwise not appropriate to do so. As far as I know, there was no reason for LoanMe to call a third party to get the contact information from me when I have had contact with them previously. As well I am no longer working but still have been making duly noted payments, though the interest rate is high. My payments have been somewhat late, but not beyond the grace period and will continue to do so. 
I am not sure if there are any other things about my loan that are against the law, LoanMe would not send me any information about the original loan agreement even though I requested it from them a month ago. They will only send me what they want me to sign which is a new agreement. I will provide a copy.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.