davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (GA)

In XXXX, I received notifications from Nationstar indicating that I was roughly XXXX months delinquent on my HELOC payments. Despite numerous attempts to resolve the issue with the company, the matter remained unsettled. I requested documentation for the allegedly missed payments but never received it. 

In XXXX, I approached XXXX  to express my concerns about Nationstar. Subsequently, I received an email from an unknown sender at Nationstar containing only a link, which I did not open due to security concerns. By XXXX, Nationstar ceased accepting my monthly payments unless I cleared the purported arrears. 

Nationstar later issued a foreclosure warning on my property. In efforts to clarify the situation, I contacted them only to be told the information had been previously emailed to me. Upon request, the information was resent and revealed that no payments for XXXX  were recorded, a claim I disputed given my consistent payments. 

I revisited XXXX  to voice my grievances, where it was suggested I compile all payment proofs for submission to Nationstar. Reluctant to shoulder this burden due to Nationstar 's administrative errors, I was nonetheless assisted by a XXXX representative who confirmed XXXX of my payments and offered to forward this proof while I gathered the rest. 

After submitting all required documents through the provided portal, Nationstar updated its records to reflect the payments but failed to amend the accrued interest errors. Subsequently, they restricted further telephonic payments, mandating that I wire the outstanding amount from XX/XX/XXXX to regularize my account. In addition, I received a home valuation and formal notices regarding my past dues. 

Throughout this ordeal, XXXX  liaised with Nationstar in pursuit of a fair resolution. It appears that Nationstar would prefer foreclosure over rectifying its administrative flaws.

I settled the outstanding balance as per their records and plan to conduct a thorough audit later. I strongly advocate for an audit of Nationstar, believing that others might be facing similar issues without knowing their recourse. This level of incompetence should not go unchecked.
Consumer complaint received 2024-03-05
Product: Credit 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: AMERICAN EXPRESS COMPANY (FL)

There is a charge on my AMEX account. AMEX has confirmed that the merchant can not identify my name, email, or billing address. I have repeatedly asked AMEX to remove this charge and AMEX is refusing to reverse a charge on my credit card for which I have received NO services/goods from the so-called merchant. When I called AMEX to dispute the charge, AMEX asked me discriminatory questions about my background. This has nothing to do with the improper charge on my AMEX account. AMEX should not discriminate against minorities.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (PR)

Credit card provider ( JPMCB ) pulled address information from vendor ( XXXX ). They informed invoice was sent to a shipping address instead of mailing address. I never receive the invoices until I called them and the mailing address was updated. When I received the invoice it included interest and penalties which I disputed. After several attempts JPMCB accept their mistake and eliminate the extra charges. We agree on a payment amount that I paid immediately and ask for the account to be closed. They included the period under the dispute as delinquency affecting negatively my credit profile. This ended up costing me in decreasing my credit score and missing a loan offer ( low interest ) to finance a new car on XX/XX/XXXX. I disputed the item with each credit report company and each one refer me to the reporting company ( JPMCB ). I wrote to JPMCB and they asked for additional information giving me the opportunity to provide it by phone. Today ( XX/XX/XXXX ) I called them to provide the information. After explaining the situation, I was notified that they are not going to make changes in the reported information and advise me to file a dispute through annualcreditreport.com. That action was previously done without success.
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY (NC)

I had a mortgage loan with another individual with Wells Fargo, after making 95 % of the mortgage payments myself, I took the other individual to court to get their name off of the deed which was time consuming since this person lived in another country. After the deed was filed with only my name on the deed, I filled out all the paperwork to assume the loan just in my name since it was an assumable loan. I started the process in early XXXX, XXXX  and gave Wells Fargo everything they asked for within a couple of hours or less. I closed on the loan on XX/XX/year>. Wells Fargo sold my loan to XXXX XXXX which at the time, I thought it was sold to them with ONLY my name on the loan since I had closed the assumption loan. I received some correspondence in the mail with my name and other name that was on the original loan prior to assuming the loan ONLY in my name. This started a bunch of emails and phone calls to both XXXX XXXX and Wells Fargo. I found out that my loan was sold on XX/XX/year>. My question is, how can Wells Fargo close on a mortgage loan on XX/XX/year> when they did not own my loan. XXXX XXXX owned it at the time. Why was I not told about any of this? What happened to my closing costs? I need to start the assumption over with XXXX XXXX, I want my closing costs since I will have to pay again. Is it legal for a bank to close on a loan that they don't own?
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Conn's, Inc. (CO)

Per the FCRA as federally protected consumer Conns Credit Corp has violated my rights I sent them a letter stating that they have report inaccurate information. Conns has stated on my attached credit report that account XXXX has been charged off. To my understand 15 USC 1681 I am untitled to be compensated for the fact that Conns reported income on my report, because a charge off becomes a certificate of indebtedness which makes it income. And they have my records of transaction on the report as well this illegal. So for those fact and laws I opt out verbal, nonverbal, written and non written that if I have any authorization I am now opting out. on per 15 USC 6802-6805 in the letter I sent Conns. I still have not received a 1099c. Per the IRS INCOME CAN NOT BE REPORT TO ANY CREDIT REPORT. The inaccurate information has effected my credit and I can apply for credit to get the things I need. Please help get compensated and this account removed from my credit reports.
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (IL)

The account was rolled into a XXXX XXXX XXXX that was dismissed on XX/XX/XXXX. Eight days later, the account had already been sold to a collection agency, with no further communication from the lender regarding resuming payments. I received one communication from the collection agency, XXXX XXXX XXXX, dated XX/XX/XXXX, but it did not arrive until XX/XX/XXXX.
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (CA)

Hello, I recently paid off my car approximately XXXX months early without one missed payment. After XXXX weeks I reached out via email to the company regarding when my title would be released and did not hear back. In addition, I overpaid by {$1.00} and instead of a check they sent me a debit card that I did not approve with a {$1.00} balance AND a {$3.00} a month fee for using it in the fine print. When I called to request a check and to get my release date the account didn't register with the automated system because it was closed and I had to go through XXXX minutes of prompts to then be told that all they could do was send me to the customer service related to the debit card to activate the card. When I requested a check they hung up on me. In addition, no idea when I will even see my title that I worked really hard to pay off.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: USCB, Inc. (OH)

USCB is a debt collector for XXXX XXXX XXXX. They have a negative impact on my credit report. I disputed it with XXXX but it was denied. I paid the balance a long time ago directly to the hospital and I attached proof of my electronic check payment.
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I filed a dispute with my bank in XX/XX/XXXX for the item I paid for through Venmo because it was stolen. Merchant Venmos account was frozen for the time of investigation and the amount that was disputed was deducted from their account. Then, I decided to cancel the dispute and accepted the loss ( XX/XX/XXXX ) so that the merchant could receive the money back. 
Venmo failed to process the dispute cancellation. They claimed that the money was sent back to me, and I should contact my bank/card issuer, whereas the bank/card issuer confirmed that the money was sent back to the Venmo once the dispute was cancelled. It has been going on for 4 months without any resolution. Venmo did not provide any details, did not investigate where the money was and kept referring me back to the bank/card issuer. Neither I nor the merchant received the money back. The money disappeared and Venmo can not answer what happened. Merchant and I are still waiting for the resolution. We are both at loss.
Consumer complaint received 2021-11-28
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. (CA)

XXXX, Equifax, and XXXX continue to deliberately report inaccurate and fraudulent accounts on my credit profile. I've submitted dispute letters as well as an FTC report to have this situation rectified. To no avail, the inaccuracies still remain. Under FCRA XXXXS 1681 b ( XXXX ) this is a complete and utter disregard of my rights and will be addressed in litigation if not verified, validated or deleted immediately.
Consumer complaint received 2016-10-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (CO)

I have had a " Build to order '' checking account at Compass Bank for over six years. 
I started getting fees late last year while I was between jobs. My auto deposits stopped while I was looking for work. In late XXXX of 2015 I started working again and the auto deposits started. I increased the amount of the deposits to {$270.00} per semimonthly pay period. This total {$550.00} per month in auto deposits. 
I have called and asked the bank what these charges are for and they say that the individual deposits have to total more than {$300.00} per semi monthly period. Aggregating the deposits monthly is not allowed ( this is an unannounced change ) and it is costing me {$10.00} per month where it did n't before.
Consumer complaint received 2024-03-05
Product: Credit 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: CITIBANK, N.A. (OR)

A card that hadnt been used since XXXX was charged randomly in XXXX of XXXX. The card had only ever been used in BestBuy and was used at some diner and other stores. When I received the emails about charges due I called CitiBank to say I didnt recognize the account in XXXX of XXXX. I thought things were handled but in XXXX I saw my credit score drop for late payments. I called again to try and figure out what these charges were. It took speaking with several agents before I could get a clear answer. We reported the charges again. In XXXX I called back because my account was still being reported late. The agent I spoke with said the credits hadnt been appropriately applied for the marked fraudulent charges which was why the account was still reporting late. They then said they would add this to the review for the charges and it should remove the charges but the discrepancy wouldnt be reported to the bureau until the investigation was complete which could take 60-90 days. I am in the process of purchasing a loan and the continued failure on CitiBanks end to appropriately resolve this dispute for very clearly fraudulent charges has been impactful and disappointing. 

It is also worth noting I was told I would receive a replacement card and have yet to receive that though Id prefer the account just be closed at this point.
Consumer complaint received 2021-11-28
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)

Transunion, XXXX, and XXXX continue to deliberately report inaccurate and fraudulent accounts on my credit profile. I've submitted dispute letters as well as an FTC report to have this situation rectified. To no avail, the inaccuracies still remain. Under FCRA US 1681 b ( XXXX ) this is a complete and utter disregard of my rights and will be addressed in litigation if not verified, validated or deleted immediately.
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY (NC)

Last XX/XX/XXXX, I spoke with my Wells Fargo Rep about removing PMI from my mortgage payment as I knew my LTV ratio was low enough to remove it. ( I'm a previous XXXX XXXX XXXX XXXX XXXX. ) I purchased the home on XX/XX/XXXX. In XX/XX/XXXX I received the requested form to remove the PMI, read all through the instructions and sent the signed document with a {$150.00} check to the Wells Fargo PMI Department address of the form on XX/XX/XXXX. About a month later I was told I was submitting the form too soon. The Wells Fargo employee called me and said the mortgage loan had to be over two ( 2 ) years old. I was furious as there was no where in the documentation that I received that said the mortgage had to be over two years old nor was it any part of the conversation when initial speaking with a Wells Fargo employee about this process. I felt my hands were tied and I agreed to cancel the process and my {$150.00} was returned. 

I then waited until after XX/XX/XXXX to re-submit the form andf resubmitted the form on XX/XX/XXXX with another {$150.00} check to have my PMI removed from my mortgage. Then I got super busy. It wasn't until last week that I realized I had heard nothing and the check had been cashed. 

I called Wells Fargo 's PMI Department on XXXX and after speaking with a woman who had no clue, I asked to speak to her superior. She put me on the phone to a very helpful you man who researched the situation while I was on the phone. To his and my surprise the {$150.00} check was posted to PRINCIPAL. hTere was no other record of the PMI removal request. The form I sent in in XXXX had been submitted with the form and the check stapled to the form. I was outraged. Why is Wells Fargo 's staff so incompetent. I agreed to leave the {$150.00} as a principal payment as the Wells Fargo man helping me said it would be a mess to get that reversed. 

Shortly I then received in the mail and via email all the info to start all over again. 
Please remember this has been going on since XX/XX/XXXX. It's now XX/XX/XXXX! 

I sent a letter this week, XX/XX/XXXX, explaining all of the above with another {$150.00} check and that if I did not receive a response within two weeks with a full refund of my PMI payments since XX/XX/XXXX and the removal of PMI from my mortgage payments, I would contact you. 

I do not believe that the policy of Wells Fargo is to require the mortgage holder to wait for over two years before they can apply for the removal of PMI from the mortgage because everyone I spoke with since has denied any knowledge of this policy and this requirement was no where on the initial and previous documentation I received regarding requesting this PMI removal. 

I also do not believe they will get it done right ( 3rd attempt ) without youri intervention.
Consumer complaint received 2020-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

My Identity was stolen and used to open multiple accounts from multiple different banks. Over the XXXX XXXX Weekend. The only Bank that refuses to do any type of investigation is XXXX XXXXComenity Bank. They say they have me on recorded tapes communicating with them asking for credit from them yet they refuse to release that information to me. I have notified them that I filed an FTC report and a Police Report and they continue to give me the runaround.
Consumer complaint received 2024-03-05
Product: Credit 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: Everi Payments Inc. (IL)

I was at the XXXX on XXXX of 2023 and try to use atm, but no money was dispense, but I was charge out my ctedit card I'm been trying to get my money back with no luck, plesase can you help me the amount was XXXX dollars. tanhk you in advance.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (AZ)

Closed Credit Account 's. Closed for reason that are against Terms and Regulations. Incorrectly reporting History and Changing Information between Disputes that is inaccurate and Fraudulent. 

1 ) XXXX XXXX XXXXXXXX XXXX - Account Paid In Full. 
- Account Never Paid Late.

- Balance, Credit Limit, Payment Dates and More Reported Incorrectly -Fraudulent Changes and Reporting of Credit Reports . Numerous Changes From Reporting Late Payments to Never Late/Closed between Disputes. 
- Closer Of account Went Against Terms and Conditions 2 ) XXXX XXXX XXXX XXXX - Payment Made Was Retuned due to account Locked Due to Fraud Alerts, But Still Paid on Time and as agreed. 
- No Notice Of Returned Payment - No Notice Given For Anything Regarding Terms I went Against - Balance is Reported Incorrectly - Account Never Late - Account Always paid on Time/ As Agreed XXXX ) XXXX XXXX XXXX XXXX -Payment Made Was Retuned due to account Locked Due to Fraud Alerts, But Still Paid on Time and as agreed. 
-Closer Of account Went Against Terms and Conditions -Account Always paid on Time/ As Agreed -Fraudulent and Incorrect Reporting on Credit Reports For Credit Limit , Balance History, High Credit Balance, Payment Dates and More.

- Numerous Changes Of Dates of Payments, Credit Limit, High Credit History, Balance, and Dates of when Claiming Payments Were Late Between Disputes. 


4 ) Citi AA Advantage Card - Account Always paid on Time/ As Agreed - Closer Of account Went Against Terms and Conditions -Fraudulent and Inaccurate Reporting of Credit Reports of Credit Limit , Payment Dates and Amounts, and More.

- Numerous Changes Of Dates of Payments, Credit Limit, High Credit History, Balance, and Dates of when Claiming Payments Were Late - Credit Report Shows Past Due Balance of {$0.00} on Months Claimed as Late, but still Shows 2 Late Payments 5 ) XXXX XXXX Account - Paid Off in Full and Closed. 
-Always Paid On Time.

- Account Was Closed By Me, Not Creditor. 
- Fraudulent Changes and Reporting of Credit Reports. Numerous Changes From Saying Late Payments, to Never Late/Closed between Disputes. 

6 ) Amex Platinum Card - Change of Late Payment Date - No Report of Credit Limit that Negatively Effects Credit Utilization
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (MO)

Client paid through check for {$50.00}. Bank accepts check. 3 months later, bank returns check and removes {$50.00} from my account for non-legibility, images received by bank and returned to me are perfectly legible. No further guidance was given to me regarding a return of my funds.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (LA)

Nelnet has placed XXXX accounts on my XXXX report with a ( XXXX XXXX ) status. Nelnet has never disclosed to me that such report will be placed on my XXXX report nor did I receive a notice regarding this.