davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

Discover Card has not changed my due date and keeps charging me late fees. There was a fraud on the card so we cancelled that card and have not received the other one. They refuse to change the date as they state we are late of which we are not.
Consumer complaint received 2021-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NV)

They repossesed my car during pandemicand then put the loan into charge off status. I am still paying on the loan and they are not taking the vehicle out of charge off status NOR reporting the payments i make to them. Furthermore they are imposing due dates on days they are not open. So if i pay the following business day the loan reflects as late. They repo after one day late.
Consumer complaint received 2021-05-07
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: Navient Solutions, LLC. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-05-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Social Finance, Inc. (MI)

on XX/XX/2021. I applied for student debt consolidation from XXXX to Sofi. I was under the impression that I had XXXX days ( XX/XX/2021 ) to agree to the loan. Upon hearing that there may be talks to cancel student debt and refinance with XXXX instead, i asked Sofi to cancel my refinance. They told me " no '' that the deadline was XX/XX/2021. The loan documents that I received from Sofi repeatedly stated XX/XX/XXXX. When I contacted Sofi they told me i can ask XXXX to return the check and cancel the refinance. When I contacted XXXX, they told me they cant do anything. I feel like I was misled, any loan that I have applied for gives XXXX days for final approval. No one from Sofi reached out to me regarding the XXXX day deadline, while all the paperwork stated XX/XX/2021. I do not know how many other students are being misled. I would like my loan returned to XXXX XXXX XXXX XXXX XXXX XXXX  and cancel any consolidation with SoFi. Anyone reading this, keep your student loans with the XXXX XXXX XXXX and do not get misled by the private loan companies.
Consumer complaint received 2020-10-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of 2020. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was receiving bills from a collection company. I wondered for days why I received this collection bill twice. If I knew I did not owe anything. I got onto my credit karma and saw I was sent to collections as well. I took action and pulled my credit report on XXXX  XXXX. I am extremely shocked with these accounts on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX  XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Capital Markets Cooporative, LLC (VA)

We are due a pro-rated refund on Mortgage Insurance that is no longer needed on our current mortgage. The mortgage company only has to ask for this refund from XXXX and it will be given to us. The amount owed is {$9400.00}, per XXXX at XXXX per email from XXXX on XXXX/XXXX/19. 
On XXXX XXXX, 2019, we took out a mortgage with XXXX XXXX XXXX company that required Mortgage Insurance. XXXX XXXX XXXX sold the loan to XXXX XXXX on XXXX/XXXX/19, who then sold the loan to CMC Funding and XXXX XXXX XXXX XXXX ( XXXX ) on XXXX/XXXX/19. 
On XX/XX/XXXX, we ( XXXX XXXX XXXX XXXX ) re-cast the loan putting a substantial amount of money down on the mortgage, therefore under the Homeowner 's Protection Act, we are no longer required to have Mortgage insurance. On XX/XX/XXXX we overnight mailed CMC the recast docs, along with the requested refund of the pro-rated mortgage insurance. 
On XXXX/XXXX/19, XXXX XXXX called CMC Funding to inquire about the status of the refund. She was told there was no record of any refund due her, but to call the Servicing company, XXXX, and see if they could help her. XXXX also did not have any record of any refund due. XXXX then called XXXX XXXX company, and they confirmed that she does have mortgage insurance, and, yes, was now due a refund if her loan had been re-cast, but that XXXX would have to request it, not the XXXX. The certificate of the policy with XXXX is # XXXX. 
XXXX and XXXX XXXX have since been on the phone almost daily or in email correspondance since XXXX/XXXX/19 with various supervisors at XXXX XXXX XXXX XXXX and all they get are the runaround, " It's being reviewed ... .No answers yet ... '' We have provided them with proof of our mortgage insurance policy. We have provided them with the name and email address of " XXXX at XXXX, '' who will confirm that they have a check ready to mail to end this situation. 
This is a cut and dry situation. The money the XXXX ' are owed is money they brought to their original closing date on XXXX/XXXX/19 to satisfy a requirement that is no longer needed. It is NOTmoney that belongs to CMC or XXXX. 
XXXX XXXX from the XXXX ' initial mortgage company ( XXXX XXXX ) has also been trying diligently to get CMC and XXXX  to request the refund from XXXX XXXX, but she, too, has been getting the run around. This is causing financial hardship for the XXXX, and there seems to be no sign of a resolution. The various supervisors at XXXX   that are not giving us answers are : XXXX XXXX, XXXX XXXX and XXXX. We have also spoken through the course of this ordeal with customer service reps : XXXX, XXXX, XXXX, and XXXX. Everytime we call the customer service number, we have to start over again with a new person. It's exasperating and exhausting. We have been given the email to Mr XXXX XXXX ( XXXX ) and the email and direct number to XXXX XXXX ( XXXX phone number XXXX ). We are still unable to reach them or get adequate info from them. Please help us. XXXX XXXX XXXX XXXX Phone number for CMS XXXX/ XXXX
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

An item was placed on my credit report in error. The item was found out as myself and my expecting fiancee were attempting to rent a house. I have received no contact and was not aware of the matter or issue. The account was opened fraudulently and was placed on my report, damaging it immensely. We have contacted an attorney this week and will be pursuing further action if this item is not removed from my credit and it is corrected, pending further investigation.
Consumer complaint received 2017-12-21
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Account Recovery Service, Inc. (WI) (FL)

No amount was given to me that I owed because they wanted me to verify my social security number and I refused. I requested a written notification and he yelled that one had already been sent but I never received one. We have asked that they stop calling and the guy called twice after and left a voice message. Then we received a call from a XXXX XXXX threatening to have someone knock on our door and serve us papers.
Consumer complaint received 2020-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (GA)

Commonwealth Financial Systems placed a frivolous debt on my credit report in which I do not owe the company. I have never done business with this company and never even heard of this company before.

Commonwealth Financial Systems violated the Fair Debt Collection Practices Act ( FDCPA ) by placing this debt on my credit reports without even sending me a Dunning Letter! 

I have never spoken to a representative from this company nor have I received any type of correspondence from them, but they placed this frivolous debt on my credit files anyway. 

There is no contract that is binding me to this company. I have never received any sum of money nor merchandise from this company. They are unlawfully trying to collect money in which is not owed to them. 

I mailed Commonwealth Financial Systems a letter dated XX/XX/2020, for them to delete this debt from my credit file as they already violated my rights as a consumer and not in Compliance with the Metro 2 reporting systems in which they never responded.
Consumer complaint received 2020-10-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NY)

I wanted to refinance our home with the same company NewRez for the same property address. We started the process for refinance in XXXX of XXXX by XXXX XXXX XXXX loan officer. The appraisal was done on XX/XX/2020 with loan number XXXX. XXXX XXXX rewrote the refinance loan documents four times. In XX/XX/2020 the documents went to the processor XXXX XXXX. She was working on a special CEMA mortgage tax document. This document was designed to save on the mortgage tax that was already paid on our property.. She had me sign closing documents electronically for the closing that was to take place on XXXX XXXX, and a payout date of XX/XX/2020 on loan number XXXX. She also told me to stop the automatic withdraws out of my checking account for the XXXX Mortgage payment on the old loan and I would not have to pay it because she said we were closing and this was already calculated in the payoff. Then I found out that XXXX XXXX left the company. .Documents go to XXXX XXXX , another processor in late XXXX. She sends to underwriting and she told me that we will close in XXXX. Then I find after I call XXXX she tells me that this loan is not a priority and it was put on the back burner.. In XXXX the documents were sent to XXXX XXXX She tells me that the appraisal is expired and we need a new one and the rate lock of XXXX is also expired and will not be honored. XXXX is charging me for another appraisal and increases the closing cost from XXXX to over XXXX dollars and we are not closing for at least another twenty days bringing us to the middle of XXXX, and of course we have not closed as promised. According to the XXXX  what NewRez did to me is a crime.. Which includes : violation of trust, misrepresentation of product or service, fraud, deceit and lies.
Consumer complaint received 2022-10-11
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. (CA)

I requested a refund 6 weeks ago and I have called them 4 times for updates since then. No progress has been made on my request and I need the refund in order to apply for student loan forgiveness.
Consumer complaint received 2021-05-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTECH DIVERSIFIED, INC. (TX)

A medical debt in the amount of {$280.00} was opened on my credit report on XX/XX/XXXX. On XX/XX/XXXX, I sent a debt verification letter asking for validation within 30 days. I never received a response.
Consumer complaint received 2021-05-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was taking advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, and also I can not apply for credit. I can't even get a XXXX loan due to the pandemic under the crisis ypou have hurt my ability to obtain credit.
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (FL)

This is my third complaint on Compass bank ... Once again compass bank customer service is horrible. I want proof of payment! I am not going to take your word that the payments were posted without showing the amount! These transactions should be posted regardless of what the amount is! 

XXXX XXXX {$100.00} ) Posted with Unapplied funds eff. XX/XX/XXXX to satisfy payment. This does not show a credit of the {$100.00} I need to see the credit on my account. As far as I am concerned if I do not see a credit on my account that means it has not been credited! 

XXXX ( {$150.00} ) Posted with Unapplied funds eff. XX/XX/XXXX to satisfy payment. This does not show a credit of the {$150.00} I need to see the credit on my account. As far as I am concerned if I do not see a credit on my account that means it has not been credited! 

XXXX XXXX {$100.00} ) Posted with Unapplied funds eff. XX/XX/XXXX to satisfy payment. This does not show a credit of the {$100.00} I need to see the credit on my account. As far as I am concerned if I do not see a credit on my account that means it has not been credited! 

Compass bank said : Because the funds were posted along with previously unapplied funds, the transaction amount listed on the transaction history reflects the full amount of the payment that was posted at that time. 

This statement is unacceptable! What kind of bank does not show posted transactions? I am going to continue to file complaints until Compass bank posts all of my transactions! Once again I am not taking compass bank at their word. Show me the transactions on my history. If this is not settled I will report the three checks as fraud! 




XX/XX/XXXX REGULAR PAYMENT {$350.00} {$31000.00} XX/XX/XXXX REGULAR PAYMENT {$350.00} {$31000.00} XX/XX/XXXX REGULAR PAYMENT {$350.00} {$31000.00}
Consumer complaint received 2016-12-02
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (CA)

RE : BLUEBIRD ACCOUNT XXXX {$210.00} in stolen credit card charges I am writing to you for your assistance to settle a dispute with a stolen America Express Bluebird credit card. On XX/XX/2016 I received a text message from AmericaN Express Bluebird that my account is now at {$0.00}. I had {$210.00} balance on the card prior to this email that I received at XXXX. There were XXXX charges made on XX/XX/2016 at the XXXX XXXX XXXX XXXX by XXXX XXXX, California. I live in XXXX XXXX and upon receipt of the email from AMEX I logged on to my AMEX account I went online and saw the XXXX charges that were made between XXXX-XXXX. I received the email at XXXX, I called from my house in XXXX XXXX and called AMEX and called your payment processing center. I told them not to pay since these were fraudlent charges. They said it was pending and I had to wait until it was posted. 

I had called AmericaN Express Bluebird to request a new card since my card strip was worn from using it frequently. I never received that replacement card. Amex called me on XX/XX/2016 and said they contacted XXXX XXXX XXXX XXXX and said the charges were valid. There is no way I can travel from XXXX XXXX to XXXX XXXX in 1 minute. I asked for someone to pull the tapes and I can send my photo to prove that was not me making the purchases. I also said when I was calling AMEX they can call me back at work to prove I was in XXXX XXXX at XXXX on XX/XX/2016. 

Amex said that based on XXXX notification, they denied the dispute of my charges and closed my account. They said there was nothing they can do since XXXX said the charges were valid. I wanted to explain my case I wanted to XXXX to have someone just pull the tapes so I can verify that was not me making those purchases. The total of the XXXX charges total {$210.00}. I have already filed a police report with the City of XXXX XXXX and the USPS both reports are attached to this letter. American Express Bluebird did nothing after I immediately notified them of the fraud charges. Since this was a prepaid account they are not out the money but the consumer me is out {$210.00}. American Express Bluebird has a obligation to the consumer when properly notified to reverse the charges and to fight for the cardholders funds back which they failed to do. 

Regards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

I've been in contacting Comenity/XXXX since XX/XX/XXXX about a dispute with XXXX on XX/XX/XXXX for a hotel. I checked in on XX/XX/XXXX and checked out on XX/XX/XXXX due to an infestation. I had XXXX days left on my vacation but I ended up booking an XXXX for the remainder of my time. Every time I contact Comenity/XXXX they close my dispute ( XXXX ) claiming I don't have enough information. I've typed out what exactly happened with dates, sent in pictures from XXXX saying that I would be reimbursed for the remainder of my stay and that the property XXXX agreed to that, and of course, after I check out it's a different story. The burden of proof is on Comenity/XXXX 's customers. Even when you send in proof they still force you to provide more documentation. At a certain point I assumed they would ask me for video footage of me checking out of the hotel! They claim you can dispute via message feature on their site however every time you send a message they force you to send more information that you already sent and tell you to print it out and send it via snail mail. I'm out almost {$700.00} because they refuse to actually look into the situation. I was told their job isn't to dispute inaccurate charges but to dispute fraud and that I need to work it out with XXXX even though they XXXX through their teeth and they allowed the hotel to keep funds that didn't belong to them.
Consumer complaint received 2021-05-07
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. (MD)

I am a victim of XXXX XXXX and the credit bureaus have refused to remove the fraudulent activity from my report. The XXXX has the same XXXX XXXX but different XXXX XXXX and XXXX XXXX. She has used my XXXX XXXX number to obtain credit and then never made a payment. Even though we have had her XXXX in the past, the credit bureaus and credit issuers have refused to remove these items from my credit. I am the XXXX of a XXXX XXXX. All of my accounts are in good standing and never late. Any and all derogatory items on my credit are directly related to the XXXX. I am unable to refinance my home as a result of the sever damage this is causing to my credit.
Consumer complaint received 2022-07-20
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: TD BANK US HOLDING COMPANY (KY)

I received an email from XXXX informing me that there was a recent change to your information so I reviewed it and noticed that Nordstrom was on there and I never applied for no credit card. I immediately called them and they validated that it was me and that all my information was used based on what would be on my drivers license the lady said and they knew my whole SSN. I informed her to mark it as fraud and she did according. The lady informed me to call Social Security but they said there is nothing they can do for me and to call the credit bureaus. I called them and since I have an active fraud alert on my account they advise that I freeze my account for every single one which I had done.
Consumer complaint received 2017-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (KS)

I received a collection no tice from Hunter-Warfield cl aiming that I owed {$700.00} principle and {$51.00} interest. The debt was supposedly being collected on behalf of  XXXX   XXXX   XXXX , the owner of an apartment I rented, the notice was dated  XXXX / XXXX / XXXX .   I moved out of the apartment in  XXXX   XXXX , the end of the lease, and the prope rty manager told me everything was fine and I did n't owe anything. A year later I received the collection notice. I called Hunter-Warfield and requested a copy of the contract, and validation of the debt, which they are required by law to provide, according to the Fair Debt Collection Practices Act ( 15USC1692 ).    On  XXXX / XXXX / XXXX   Hunter-Warfield adm itted over the phone that they do not have the contract or validation of the debt. They told me they would stop trying to collect, and would contact the credit bureaus to correct the situation. They said they are unable to provide a written statement that they have done so, and they also are unable to close my case, all they can to is stop trying to collect.   They claim that they are unable to cancel the collection. If they do n't have the contract or validation, they have to cancel the collection.   I am pretty sure that in 6 months to a year they will attempt to collect this debt again, that is why they wo n't provide a written statement or close the case. They were illegally trying to collect a debt that I never owed, and they certainly never had any evidence that I did, and they are keeping the case open so they can try to harass me again in the future.   I am certain their response will be " company believes the complaint is a result of a misunderstanding ''.