davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Bay View loan bought my loan From XXXX on XXXX 2015. 
I had automatic payment. Bay view services includes an extra charge of {$300.00} every month ( no reason ) they told me screw for taxes and insurance. I provided with all the insurances policies posibles ( I pay extra XXXX year for it ) my taxes ( those were included on the mortgage. 

They are scan..stealing my money.. I do n't know what to do. 

XXXX XXXX XXXX XXXXprorperty address:XXXX XXXXXXXXXXXX
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (NY)

Credit Karma is virtually impossible to contact in regards to a complaint regarding erroneous reporting. No agents to speak with if it falls out of the virtual assistants listed and limited issues. XXXX and the creditor, XXXX XXXX XXXX, verified, after investigations, that the 40 pt drop in my credit score as noted by Credit Karma is incorrect. CK removed a 22-24 yr old account, XXXX XXXX XXXX from my credit report. The account is still open, active and in good standing. I have received no response, correction nor acknowledgment from CK. I have to modify my mortgage and this will negatively impacting my interest rate. I need assistance. Thank you.
Consumer complaint received 2019-10-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AL)

Initial loans of 1996 placed in forbearance while I was in XXXX XXXX at XXXX XXXX, the XXXX XXXX XXXX, and XXXX  XXXX University. I have all my documents.
Consumer complaint received 2021-02-27
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: Experian Information Solutions Inc. (NC)

I have disputed errors on my credit report with experian. On XX/XX/XXXX. I disputed that I had not made payments on this account ( I have been making payments since XX/XX/XXXX ). I also disputed that the account was still open not not paid off in full which it was XX/XX/XXXX. No action to remove the missed payments or to show that the account was closed occurred. I uploaded additional documentation showing that I've made payments since XX/XX/XXXX monthly until XX/XX/XXXX when the account was paid off. The original creditor was the U.S. Department of Agriculture as a government overpayment ( original amount {$7700.00} and they sent my account to collections thru Pay.gov. I have been making all payments thru Pay.gov and on XX/XX/XXXX I paid off my debt with them. I just want to information to be updated so my credit can be an accurate reflection of what has occurred.
Consumer complaint received 2018-02-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (ME)

on XX/XX/XXXX we were late with a payment I called in made the payment that was late and was told fees would be waived. on XX/XX/XXXX a XXXX dollar fee was charged. and online it showed a XXXX dollar fee. we called in and were assured there was no fee but that we still owed XXXX cents which was weird but for XXXX i wont wast my time. on XX/XX/XXXX the XXXX was paid and again we were assured we were current with the loan. on XX/XX/XXXX. 1 day. before the next due date. we were charged another XXXX dollar fee. I beleive i am being constantly targeted for fees becauae i have had so many in the past
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2019, I noticed fraudulent activity on my Capital One Platinum Card. Some unknown person or persons had apparently used my card to make a large, unauthorized purchase of {$120.00} on XXXX. I immediately called the company and explained the situation. They told me that my card would be canceled and a new one immediately issued. 

As of XX/XX/XXXX, I noted that, not only had my new card not been issued, the company was charging me late fees on the old card. I called them up at about XXXX XXXX on XX/XX/XXXX and spoke with a rep who gave her name as XXXX. She told me : 1 ) I still had to keep making regular payments on a card that had been cancelled due to fraudulent activity.

2 ) They could not say when the investigation into the fraudulent activity would be concluded, if ever.

3 ) They would not issue a new card, since my old card was allegedly " past due '' when the fraud occurred and the card was cancelled. 

This seems to me like a clear-cut case of dishonest and underhanded business and a breach of Capital One 's obligations toward its customers under the Uniform Commercial Code and other relevant statutes. I implore your agency to intervene. I also suggest you investigate whether the fraudulent activity on the card was, in fact, the criminal machinations of strangers and not a shady tactic used by the company to harass its customers. Thank you so much.
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (DC)

My son had a cash app account. My son passed XX/XX/XXXX. In XXXX, around XX/XX/XXXX, I started chatting with CashApp about my sons death and account. I wanted to know what I needed to do to get funds in his account and close it. CashApp instructed me to send death certificate, his user name/tag, his email address and full legal name. I also was instructed to send an official letter from attorney with court seal appointing me as administrator, my drivers license front/back, as well as a picture of me holding my US issued drivers license. I sent all documents and received confirmation that it was sent. I also sent his phone number he had at the time of his account. I have been in contact with them for over two years, they keep saying my case has been escalated. They gave me a case number and said someone will email me. No one has emailed me or provided next steps to rectify this case and retrieve my sons funds as well as close the case. The desired resolution ; I would like to get the funds in my sons account, XXXX transactions, and close the account.
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams, Rush & Associates, LLC (WI)

I have a debt collector who keeps calling me-Sometimes 2-3x a day- I called them back to find out what they needed- They are looking for my brother XXXX- I have told them, He does not live here, I have not seen or talked to him in a long time, and to stop calling me or I am seeking legal advice- I have told them that twice- They proceeded to call again, leaving voicemails, I still have some of them. I have spoken to an attorney about this I have deleted alot of the voicemails because my answering machine was getting full- but the most recent voicemailare from XXXX at XXXX ; XXXX XXXX at XXXX ; XXXX XXXX at XXXX other call times are : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX They call from like 2 or 3 different numbers some of these days they have called twice with two different numbers After speaking to attorney I am now writing them a letter and sending it certified
Consumer complaint received 2017-12-06
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. (TN)

XXXX is still reporting to the credit bureaus way past the statute of limitations for the state of Tennessee which is 7 years. Not only that but XXXX is constantly adding new balances and then removing them and adding them again later which is detrimental to my ever fluctuating credit score especially since I am in the middle of purchase. I am requesting that XXXX is completely removed from my credit report immediately. XXXX has been on my credit file with all three bureaus since XX/XX/XXXX. It is now XX/XX/XXXX. They seem to have some illegal collecting and reporting practices. Ive enclosed information for your review.
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

This company has chosen to attempt to collect a debt that is not due and has not been verified. As a customer and the person they are accusing of owing this debt I can attest to them placing this debt on my credit with neither a contract or any attempts to contact me. Also the company who sold this debt is a private real estate management company who's tactics are unethical, they do not honor their contracts and have not made the proper attempts to seek any form of payment for the debt they claim I owe. These actions from the two aforementioned parties have costed myself and my family on several occasions to live in places we did not desire to live and has changed our finances in different ways. Due to the malpractice of this collection company, I now have a blemish that I have never had before and would advise anyone that if they are dealing with this situation to take an action.
Consumer complaint received 2018-06-13
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: Medical Data Systems, Inc. (TX)

In XX/XX/XXXX, I retrieved a copy of my credit report and noticed that Medical Data Systems had  reported negative information on all 3 of my bureau reports. I have never did any business nor signed a contract with this company. This company did not and to date has not sent me any type of correspondence, including a dunning letter to inform me that they were attempting to collect a debt. Hence, they negligently placed this account entry on my reports and I was not allowed to dispute the validity of this debt with them prior to its insertion on my reports. This is a blatant violation of my consumer rights. 

To that end, I sent Medical Data Systems a dispute letter that was certified with a return receipt. My receipt confirms that they received the letter on XX/XX/XXXX and it was signed by XXXX XXXX. The tracking for this letter is XXXX. To date, this company has not responded to my request for them to validate the account. I specifically requested the following information from them : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary Further, I would like to have a copy of the financial responsibility page that bears my signature with the provider of service to release my medical information. These entries reflected on all 3 bureaus are inaccurate, unverifiable and erroneous. Given the fact that this company opted to not respond in writing nor provide any documentation to support/substantiate what they were reporting, mandates that these entries be DELETED IMMEDIATELY FROM MY CREDIT REPORTS!
Consumer complaint received 2018-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MA)

XXXX XXXX XXXX XXXX billed us {$310.00} and we paid it. There was a delay in paying in because XXXX XXXX XXXX XXXX made numerous errors on the original billing including billing us twice for the same thing. We spent many hours on the phone with them trying to fix their mistakes. We waited for them to correctly resubmit the insurance claim and not bill us twice for the same thing. Once these issues were resolved we promptly paid the {$310.00} bill on XX/XX/XXXX. I have a copy of the check that was cashed by them evidencing payment. 

However, XXXX XXXX XXXX XXXX still sent this to a collection agency, Transworld Systems Inc. These people are terrible. I promptly responded to their original notice from XX/XX/XXXX. They sent another notice on XX/XX/XXXX which I wrote a very detailed response explaining to them why I do NOT owe this money and I provided the evidence in the form of the cashed check. They sent me another letter dated XX/XX/XXXX still looking for the money. Now I have to waste more of my time and energy responding to them again. 

I do NOT owe this money and I will NOT pay it. I take my financial obligations very seriously. I pay all of my obligations on time every time. At this point, XXXX XXXX XXXX is harassing me and trying to extort money from me for something I already paid.
Consumer complaint received 2016-05-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

On XXXX/XXXX/XXXX I purchased a XXXX XXXX and financed through NMAC. For 5 years ( the length on my loan ), NMAC auto-deducted the monthly payment from my checking account. Last payment was deducted on XXXX. I assumed the vehicle was paid off and have been waiting to receive my title. On Mon., XXXX XXXX, XXXX, I received a call from a Collection Agency that my final payment was never received! They further advised that final payments are not auto-deducted and advised me of the amount due. THIS IS THE ONLY NOTICE I HAVE THAT ANY PAYMENT IS DUE. I never received an invoice or phone call from XXXX! On Wed., XXXX XXXX, XXXX I mailed a check to NMAC in the amount requested of {$290.00}. Today, XXXX XXXX, XXXX, I received an email that XXXX XXXX posted a change to my credit report because " I fell behind on payments on XXXX of my accounts ''. Please help! I have worked hard to keep my excellent credit score.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-07-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 my computer was compromised from scammers that posed as XXXX Customer Service. They asked my assistant to install software to share a screen on my computer and from there, were in my computer, taking all of my files and logging onto my Chase.com bank account. They sent a wire transfer of {$21000.00} from my Chase business account to their account at XXXX XXXX and then onto XXXX XXXX XXXX XXXX I luckily caught the whole thing 20 minutes after it happened and immediately called Chase 's claims department to ask them to freeze the account and stop payment. They froze my account and filed a claim, but NEVER contacted the scammer/hacker 's receiving bank to tell them to reject payment. They simply filed a claim and never took further action. This was negligent. They should have taken further action and the wire could have been stopped since it was caught so quickly. I kept calling Chase to follow up about the situation and I was told that my claim was denied because " I benefited from the funds. '' Their claims department had noted that {$21000.00} was a fraudulent wire ( which it was ) AND that another wire that I do everything month for {$7200.00} was fraudulent ( but it wasn't fraud and I never said it was on my call - and they just accidentally included this in their claim report. ) When I called to show them the police report which I filed immediately and tell them the entire story they kept me waiting and waiting for weeks. I also told them that their claims department marked 2 wires as FRAUD, but only one was and that I needed them to only investigate and look into the {$21000.00} fraud wire to XXXX/XXXX  and to correct THEIR mistake immediately. I finally asked to be transferred to the highest office - the executive office and Mr. XXXX XXXX 's team. I explained the crime, that Chase was negligent and that my money should be insured and should have been returned back to me. They denied my claim again. I had to re-explain that their claims department marked TWO wire transfers as fraud when I was only referring to/asking for ONE to be marked as fraud. No one has gotten back to me. 

I have no reason to be making up this story. I have no debt, I make plenty of money per year and this entire ordeal is a waste of my time. I deserve my money back and Chase needs to get a way better claims department and procedure in place for wire scams. This is only going to continue to happen and banks need to act quickly.
Consumer complaint received 2018-02-02
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: Experian Information Solutions Inc. (NY)

I Disputed online with both XXXX and Experian. They would not provide me with verification or validation on XXXX and XXXX XXXX Negative accounts on my report. They simply put a statement on my report that says verified. I redispute and still no resolve.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (AR)

it is about chase auto loan payment, reported to credit bureau at XX/XX/XXXX they said it was later over 30 days. 

Since i bought the car at XX/XX/XXXX, i never received bills from them. 
I called in and paid my very first payment, after that i told them that i never received any bill or letter from Chase auto, they told me it was automaticlly set as paper less. 
i was concerned that i told them my job requires me to travel all the time, i do need to have physic letters sent to my apartment, so my wife and parents can handle it as all the others bills i have. 

But still i never received the payment, neither me or my family got one at all.

I paid several payment via phone. Back to XX/XX/XXXX, after i paid via phone, i told them i need to have physic letters from them, and set me up as auto pay. 

the representative said they can help, so they put me on hold for more than 20 minutes, and the call ended automatically. 

I thought i have done the auto payment setup. i still never received anything emails or phone call from chase auto. 

at XX/XX/XXXX, i received a phone call said i have a payment overdue for more than 30 days, i paid it off immediately. I asked the Rep how could that happened? I never received bills via mail ( I ASKED THAT 2 TIMES ), and last time when i paid my bill, the rep said they can set me up and put me on hold. Now, they said auto pay can not be done unless i have an chase online account. It is frustrated that i was informed they can set it up for me via phone, but now they said it can only be done via phone. 

Also, during the period of the late payment, i never received any information from them. 
but they kept saying they did. 

Since day one, i never receive their letters for billing, i had to call them by myself to solve the problem. ( i found the information via an app called XXXX XXXX )
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Pro Com Services of Illinois, Inc. (IL)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. XXXX, XXXX XXXX XXXX XXXX. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE