davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

My mortgage is with Carrington Mortgage Services. I have been making my payments electronically but the company has been continually returning the payments. I'm now 6 months behind and an appraiser came to my home a week ago saying he was doing an assessment of the property because it's in foreclosure and scheduled for sale on XX/XX/19. I NEVER received any notification of foreclosure. I never receive statements of my account. I had called when I was a few months behind and they agreed I could make weekly payments to catch up but again they returned every payment. Today I had to go to my parents to get the {$6500.00} to stop the foreclosure. That amount includes over {$2400.00} in " other '' costs. This company is terrible!!!! Someone needs to investigate their practices.
Consumer complaint received 2017-01-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Management Partners, LLC (TX)

I was a victim of identity theft and noticed a collection from Receivable Management I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Receivable Management in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2019-09-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX contacted XX/XX/XXXX XXXX times in a row and XX/XX/XXXX XXXX as welll in a row on behalf oh kohl Debt was for XXXX. I explained multiple times I was XXXX and dont have means to pay they were abusive and harassed me about getting the money and paying it and wont stop calling until I paid it
Consumer complaint received 2019-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

On XX/XX/XXXX I called New Rez to indicate that we wanted to fully pay off our mortgage before the next billing cycle. They sent us an email that indicated how much would be due if we paid on XX/XX/XXXX. Upon reading the document I noticed a per diem charge, and so we decided we would pay in full on XX/XX/XXXX to avoid the per diem charges. 
When I called XX/XX/XXXX to initiate payment, the representative on the phone said that I should just disregard the per diem note as there would be no difference in price if I paid on any day up to XX/XX/XXXX. With this I decided to forego payment temporarily. 
I called again on XX/XX/XXXX to initiate payment, and the representative said that I had been misinformed as there was in fact a per diem charge, so I decided to pay right away. She did not inform me, though, of the XXXX cutoff for payment until I called back to inquire about this later in the day. The XXXX cutoff meant I would have to defer payment for another day. 
I paid off the mortgage in full on XX/XX/XXXX, and then wrote a letter of complaint ( attached ) to XXXX XXXX, the President and CEO of NewRez for the inaccurate and misleading statements made by his customer support team. My letter was completely ignored.
Consumer complaint received 2019-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (NY)

In XX/XX/2017, I initiated automatic payments over the phone with a XXXX XXXX representative, XXXX XXXX. I provided my bank account information over the phone to set up the automatic payments. The customer service agent took down and processed the incorrect bank account number when setting up the auto payment. When the payment did not withdraw from my bank account, I contacted XXXX at XXXX XXXX and he clarified that this was an error on his end. He assured me that it would be resolved and it was nothing to be concerned about and it would not be marked as a late payment or a derogatory mark on my payment history and credit. However, it was never corrected. I have made countless calls to XXXX XXXX over the last year and a half and was told by various representative and supervisors that these events never happened, and that I gave the wrong numbers, even though their representative explained to me that it was he who made the clerical error. They will not allow me to speak with XXXX, the account manager who initially worked with me to set up the payments and who made a human error in recording my account information. They told me there is a recording available of our phone conversation which they reviewed, but they will not allow me to hear it nor provide me with any additional documents or recordings to support their claim that it was I who made the mistake. Due to nothing more than an error of a XXXX XXXX representative, the payment was not received and considered late and is still showing as a derogatory mark on my credit, and the only late payment.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite having been required to provide a LOT of personal information to register an account with Transunion, they will not let me log into my account to start a new dispute. For a multiple day period ( XX/XX/2019 ) any time I try to log in the login is canceled with the error : " We are experiencing technical difficulties. 
We appreciate your patience while we resolve this issue. '' I suspect they are permanently " experiencing '' fake technical difficulties to prevent consumers from starting disputes.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

On Tuesday XX/XX/2019, I learned that XXXX experienced a breach of my accounts and that those who breached the account ( s ) have my contact information including the phone number attached to my credit reports and all 'business ' accounts. 

I have filed a Police report and as soon as it is ready to pick up I will be filing with the FTC for Identity Theft. Forthcoming will be complaint against XXXX that I have initiated with NY and MD Attorneys General 's offices. 

In the meantime, I have gone online to XXXX, XXXX, and Experian to request copies of my credit reports and it appears each have changed my address or contact information to something I didn't authorize because I am unable to get copies of any of the reports. When I enter what I have provided to each of them, I get error messages that my reports can not be accessed. 

So then ... here we go again ... not even a year later, and after many, many, many of these complaints against XXXX, XXXX  and Experian they have once again changed my information to some unknown information even after they have been informed over and over and over again! that my address on my credits and phone number exist to protect my identity ... and yet they've changed my information to I don't know what ...
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On Tuesday XX/XX/2019, I learned that XXXX experienced a breach of my accounts and that those who breached the account ( s ) have my contact information including the phone number attached to my credit reports and all 'business ' accounts. 

I have filed a Police report and as soon as it is ready to pick up I will be filing with the FTC for Identity Theft. Forthcoming will be complaint against XXXX that I have initiated with NY and MD Attorneys General 's offices. 

In the meantime, I have gone online to XXXX, Transunion, and XXXX to request copies of my credit reports and it appears each have changed my address or contact information to something I didn't authorize because I am unable to get copies of any of the reports. When I enter what I have provided to each of them, I get error messages that my reports can not be accessed. 

So then ... here we go again ... not even a year later, and after many, many, many of these complaints against XXXX, Transunion and XXXX they have once again changed my information to some unknown information even after they have been informed over and over and over again! that my address on my credits and phone number exist to protect my identity ... and yet they've changed my information to I don't know what ...
Consumer complaint received 2019-04-01
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. (GA)

I took the proper steps to get these accounts deleted XX/XX/2013{$30000.00} XX/XX/2013{$440.00} XX/XX/2013{$0.00}
Consumer complaint received 2019-04-01
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. (MN)

I just received a letter from a Loan agent reguarding my credit score and it appears these 3 credit bureaus are implecating false statements against me which is totally a lie and i am about to file a lawsuit against all 3. I have reported to you before the incorrect information each displayed as deliberate reporting to hurt a consumer and they are at it again this time they have gone way over the line and made up a bunch of lies that are not true! All have been scanned and documented. It is time either Federal or who ever is in charge put a stop to these trolls and their misuse of public credit. I will never apply for credit again, once my car is paid off and cc ; s I will save up if it takes me 30 XXXX years and pay in full with out their XXXX XXXX   up interference. I have had it with these liars and they are nothing more than a bunch of incompetant XXXX NO EDUCATION and trumped up XXXX
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I just received a letter from a Loan agent reguarding my credit score and it appears these 3 credit bureaus are implecating false statements against me which is totally a lie and i am about to file a lawsuit against all 3. I have reported to you before the incorrect information each displayed as deliberate reporting to hurt a consumer and they are at it again this time they have gone way over the line and made up a bunch of lies that are not true! All have been scanned and documented. It is time either Federal or who ever is in charge put a stop to these trolls and their misuse of public credit. I will never apply for credit again, once my car is paid off and cc ; s I will save up if it takes me 30 XXXX years and pay in full with out their XXXX XXXX XXXX   interference. I have had it with these liars and they are nothing more than a bunch of incompetant XXXX  NO EDUCATION and trumped up XXXX
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (TX)

It's U. S. Bank taken long time in closing my checking account ending in XXXX and also having restricted UNLAWFULLY withdrawal of positive credit balance of my checking account. Moreover, said bank as harassment returned my payments 1 ) {$1000.00} to XXXXXXXX XXXX XXXX  with remark AS ACCOUNT FROZEN 2 ) Check number XXXX of {$500.00} returned unpaid on XX/XX/XXXX to XXXX with remark AS ACCOUNT CLOSED and let me without any hesitation that said bank done it as a FRAUDULENT PRACTICES WHEREAS said bank closed my checking account on XX/XX/XXXX. Too till todate said back not sent me their CASHIER 'S CHECK of my positive credit balance of {$1800.00} even after my many reminders. I firmly believe that CFPB must take legal steps punishing forcing to pay penalty of {$50000.00}. XXXX XXXX XXXXXXXX. Tks in advance with warm regards. Sincerely XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-09-19
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I WAS FORCED TO MOVE FROM MY HOME DUE TO THE NEGLIGENCE OF THE INCOMPETENCE OF CHASE BANK. 

THEY ARE PYCHOPATHIC PREDATORS, WITH NO XXXX, WORSE THAN XXXX. 
THEY NEVER HELPED ME TO SAVE MY HOME, BECAUSE THEY WERE GETTING THE MORTGAGE PAID FROM THERE " CREDIT DEFAULT SWOPS INSURANCE. '' THAT PAID CHASE NOT TO HELP PEOPLE LIKE MYSELF KEEP THERE HOMES. 

PLEASE CFPB HELP ME GETTING $ XXXX IN COMPENSATION FOR THERE EVIL WAYS. 

THEY LEFT ME HOMELESS, AND SUFFERING FROM ACUTE XXXX AND NOW DIAGNOSIED WITH XXXX XXXX. 









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Consumer complaint received 2019-04-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (NH)

Transworld Systems - XXXX XX/XX/2019 - XXXX XXXX  Called cell phone XX/XX/2019 - XXXX XXXX   Called cell phone Do not own a debt with anyone but continue to call. 

Need to stop calling ( Harassment )
Consumer complaint received 2018-03-27
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (GA)

This was a collection account on my credit report that i wrote/called in to have validated. It is my understanding that this company ( XXXX XXXX ), is not suppose to continue pressing me for the money until dispute is resolved. They have called several times and even demanded that i produce a " student identification ''.
Consumer complaint received 2019-04-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (TX)

In XX/XX/2018, I pulled my credit report and was shocked. There were several collections accounts from a company called Transworld. I wrote them a letter in efforts to try to validate this alleged debt. To date I have not received any response. The letter was delivered to Transworld on XX/XX/2018 and signed for by XXXX XXXX. 

There was not A RESPONSE IN 30 DAYS after XX/XX/2018, therefore this needs to be deleted. 

The account was not validated within 30 days of requesting validation. See postal documentation showing when the request was signed for in XX/XX/2018! 

Delete from all credit bureaus
Consumer complaint received 2019-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (TX)

So on XX/XX/XXXX i had funds taken out my checking that were not mine i also received a call by my bank that money was being taken out in Florida that had nothing to do with me. I proceeded on giving the bank my information like my pass code and my full name and address in order to have them freeze my card and send me a new one and they even sent me a text to confirm i had changed my my pass code. When i went into work an hour later i checked again and XXXX dollars was taken out my savings and checking. The savings was sent to my checking and everything was taken out in Florida. I called the bank trying to find out why i had still been fraud and they told me the person who called you was a fraud and i was in disbelief because me thinking the bank i had put all my savings was helping me was either hacked into or had no idea it was me being fraud. So i talked to the bank and they said i was victim of fraud and that they would submit the case so i thought i was going to be okay and have my funds returned because that's i had saved up during my time in the XXXX. I did two XXXX to XXXX and XXXX and me thinking me protecting the country they should be able to protect my money. They sent me a letter in the mail and said they wouldn't give my funds back or give me any money because i basically gave them permission to take my money by providing them my information for the bank. So i was confused on why they wouldn't help me get my funds back because i didn't give them permission to do any of it or take anything i thought it was the bank helping me get my funds back but it was the fraud calling me. So i had saved that money just in case i had in troubles when i got out and they didn't care to help me. Im about to be homeless and have nothing because those XXXX dollars were all i needed to keep me going until i could find a good job that would help me and pay more. So im asking you guys if you could please help me fight this because this isn't right i didn't allow anyone to take my money because that's money i need for the future to get myself a good home its money i saved serving the country to my absolute best.
Consumer complaint received 2023-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (FL)

I was out of the country unable to cross the closed Covid XXXX border I was very sick with XXXX! my WELLS Fargo account was over drawn by maybe max {$200.00}. They closed my account despite me telling them I was forwarding money. Upon receipt of my money they returned it closed account I called and explained my situation and told then I would deposit money asap. They closed it without reason cause. They call me on A computer call many times a week to collect the overdraft. I told the phone callers I had and did send a letter asking them to reconsider their cruel actions but no response. They were ruthless! I like Wells Fargo and believe it was actions by a over XXXX  collections department. I want my account back
Consumer complaint received 2022-08-19
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$710.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-04-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarFinance Capital LLC, Irvine, CA Branch (CA)

THE ORGINIAL DEBT WAS TO CAR FINANCE CAPITAL L, THEY SOLD THE DEBT TO XXXX XXXX XXXX. BOTH ARE CURRENTLY LISTED ON ALL THREE CREDIT AGENCIES CREDIT REPORT. THIS DEPT AS BEEN CHARGED OFF AS A PROFIT AND LOSS WRITE OFF, THERE SHOULD BE A XXXX BALANCE.
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

I have internet phone and cable through XXXX and paid they bill a few days late. This has happened before but this is the first time that it put a collection on my credit report for it. My account is currently in good standing and my bills have been on time. I told a rep and they said it should come off within a few days and its been at least a month Thank you, XXXX XXXX
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I did not complete the process to obtain a Capital One Bank USA credit card on XX/XX/2019 and had recieved a message stating the application would be cancelled and would not be processed because they needed more information, which I never provided. It shows up as a hard inquiry on my credit report even though I was told the application would be cancelled and never processed.
Consumer complaint received 2019-04-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

Initially, when I took a private student loan from Sallie Mae, now Navient, my total loans were under $ XXXX. I have been paying diligently for over 7 years, yet my loans are now up to $ XXXX. 

Its very discouraging to be making a conscious effort to stay on top of my loans, yet never see them decrease. I feel that Navient has taken advantage of me as a nave student, and put me into a income driven payment program, but failed to point out that this payment plan wouldnt even be paying the amount of interest, let alone the principle. Its like Im trying to bail out water from a boat that has a hole at the bottom. No end is in sight.