davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (CO)

I am up to date with my monthly payment obligations yet on XX/XX/2022 ( in-between the due dates ) made a principal only payment in the amount of {$10000.00}. I specified to have it applied to principal yet it was not. When asked why, UpStart stated all payments will be applied to principal, interest and fees. 

According to my promissory note, any partial payments which includes principal payments are to be applied to principal solely when monthly obligations have been met. This is banking 1-on-1.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (TX)

Service Finance COMPANY FILE A ILLIGLE UCC ON MY PRAVITE PROPRTY WHILE WAS ASKING FOR VALIDATION AND AFTER I USED 15 USC 1635 RESCIND ING MY SIGNATURE WHICH IS ALSO MY PRIVITE PROPERTYOF ALLGEGED DEPT BREAKING 15 USC 1691, NEVER VALIDATED THE DEPT SENT ME A PRINT OUT FROM THEIR COMPANY AND NOT XXXX BALANCE 15 U.S. CODE 1666d Treatment of credit balances, they disclosed my information to15 USC 1681 Section 602 States I have the right to Privacy.15 USC 1681 Section 604 A : It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX a third party without my consent 15 USC code 15 6802
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

I have been sending my payments to Shellpoint Mortgage directly from my bank ( XXXX ). My bank shows that it was delivered with a reference number, but Shellpoint is not posting to my account, and I keep getting collections calls, and my credit has dropped over 122 points. I have sent them proof of payment, but I get no response. Every time I call I get a circular message, I leave my number for a call back and I don't get a response. I sent XXXX, XXXX, and XXXX of 2020 and they are not posting. I am stopping the automatic payments until I get the previous ones posted. This is not right and an abuse of my character and credit score. What can I do?
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

When I logged into my USAA mobile app and online, I received a message from USAA bank that said if I didn't answer their 40-minute survey, I would be locked out of all of my accounts. I called the bank and confirmed that they would suspend my accounts unless I answered their questionnaire. 

Their justification for their threat was that it was part of their terms of service. I did the survey and noticed all but a couple of the questions were related to a service they provide called XXXX. I don't see how it's legal for an FDIC-insured institution to threaten to prevent me from accessing my money if I don't participate in their sales and marketing questionnaire.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

Since my mortgage was sold to NationStar in XX/XX/XXXX, I've had multiple problems with the way that they have serviced my loan and mis-managed my escrow account. 

In XX/XX/XXXX, I made two large principle payments and gave specific instructions that I did NOT want to pay off my loan until mid-XXXX. Against my instructions, NationStar paid off my loan using escrow funds and refused to send my XXXX real estate tax payment to my county.

Since then I have been begging for a final statement of my mortgage and escrow accounts but NationStar has steadfastly refused to provide either of those documents, even after I filed a complaint with CFPB. CFPB closed my complaint without resolution. 
In XX/XX/XXXX, Nationstar finally admitted that they had botched the posting of several payments and sent me a check for {$710.00}, yet, they continue to refuse to provide any explanation of how they arrived at that amount, how my payments were applied, or how much interest I paid in XXXX. They have also refused to pay interest on the funds that were kept from me for over 7 months.
Consumer complaint received 2020-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

I was contacted or I contacted ( not sure which because it was a while back ) but I saw where XXXX  was trying to make me pay a bill for a XXXX  service that I NEVER signed for or in any way authorized. I never never authorized this. I demanded a signed copy or proof that I authorized this because I knew that this was someone who was probably living or renting my ex wife 's house at the time. I didn't even live there at the time. I told them that and demanded proof. How did they get my name and social to open this account and start billing me for it? I never received any proof and they told me it was being investigated and they would remove it. I thought it was taken care of because it was removed off of my credit. All of the sudden it is back on my credit under a collection agency by the name of Enhanced Recovery. I sent them a notice that I DID NOT do this and XXXX  was supposed to be taking care of this. Evidently, instead of investigating it where they would find that I DID NOT open this account, they sold the debt to a collection agency. This has impacted me and my family in a very sad way recently.
Consumer complaint received 2022-08-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AL)

My XXXX XXXX Credit card is in collections with Midland Credit Management. The balance of the collection has increased. I just disputed this debt. Now all of a sudden the collections amount increases. Per your site, this is and illegal act. Midland Credit Management is in violation with such actions. The original debt is {$650.00}. As of today, its now {$650.00}. Which has impacted my credit score by a decrease of 9 points. This account has been in collections since 2019. With the amount owed. {$650.00}. Now all of sudden. After I depute the ownership of such collection account. The amount owed increased. And my credit score dropped 9 points.
Consumer complaint received 2020-04-15
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: EQUIFAX, INC. (NJ)

Our mortgage service provider has not been reporting our on-time payments on our existing mortgage account and is reporting this account as " discharged through chap. XXXX bankruptcy '' instead of reporting it " paid as agreed ''. Two separate disputes were filed with XXXX  and they refuse to correct the reporting.
Consumer complaint received 2022-08-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX successor by merger to XXXX Bank, XXXX XXXX XXXX XXXX for XXXX XXXXXXXX XXXX Certificates XXXX XXXX XXXX XXXXXXXX XXXX Questions/Comments : 1.On What date was the Note transferred by XXXX XXXX to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
2.By what method was the note transferred to the trust? Please included physical address of the place where the note was delivered. 
3.Was the assignment of mortgage also delivered by XXXX  XXXX XXXX XXXX trust? 
4.Where were the original note and assignment of mortgage ( if any ) physically stored by the trust? Please include the physical address of the place where the note and assignment were stored. 
5.What documents if any were given showing the delivery of the note and assignment to the trust and or receipt of note and assignment to the trust? 
6.Was the note indorsed by XXXX XXXXtXXXX at the time it transfered to the trust? If So, please identify the person who examined the note and the date and place the examination was made. 
7. Did the trustee or its designee ever notify XXXX  XXXX that the note, endorsement, and or the assignment were not in compliance with requirements of the trust, whether by including the note and assignment on an exception report or by other means? If such notification was made, please identify the date and the method of such notification. 
8. Was the trust credited with any payments made on the XXXX note? If so please state each date a payment was credited to the trust on the XXXX note. 
XXXX. This debit was satisfied by means of cancellation of debit, recission of note, and or XXXX Mortgage Settlement
Consumer complaint received 2018-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

Was charged a late fee on credit bill with due date XX/XX/XXXX, paid on XX/XX/XXXX. According to Credit Card Act if due dates falls on holiday payment maybe made without penalties if received by next business day by XXXX. I have now been assessed late fees and penalties because of this payment, and owe {$67.00}. I believe these fees and penalties are illegal and I don't owe them.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Having a problem with a financial product or service? 
We have answers to frequently asked questions and can help you connect with companies if you have a complaint. Sadly you don't have the answers because in my opinion by numereous experiences and by design of the system it is corrupt from top to bottom. Yes and you the alleged protector propagate that XXXX XXXX I choose to define my opinion and evil will never change but stand in it's arrogance and pride. Wecand all who are XXXX XXXX XXXX so called credit organizations and their cohorts understand who and what you are by your own thoughts, words and deeds. So filing a complaint useless but merely to serve truth. Yes we are as responsible because we use your services, need finance and share in the creation of who you are abdcstabd as guilty via our indifference.
Consumer complaint received 2020-04-15
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: JPMORGAN CHASE & CO. (FL)

My Chase credit card was replaced in XXXX due to suspected fraud, I received a new card and it has been working fine. A Chase employee provided a theft ring with the details of my cancelled credit and temporarily authorised access to my closed account and reactivated the card to allow the purchase of an XXXX  at XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. Use of my replacement credit card and store surveillance shows that the purchase was not made from me and I was in XXXX at the time. 

Chase cooperate security is aware of this theft by one of its employees and the charge has not been removed from my account. The XXXX of XX/XX/XXXX charge was placed on my new card account the XXXX of XXXX and I have made over 20 phonecalls to Chase and spent over 40 hours of my time trying to get this {$700.00} account debit removed. 

The police report from XXXX XXXX, Texas is XXXX.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (AR)

What happened? 
In XX/XX/2018 I disputed a item that was incorrect on my credit report. The incorrect item which is XXXX XXXX. The credit report agency reported that the item was verified. I sent a certified letter to XXXX XXXX requesting validation, made pursuant ton the fair debt collection practices ACT. I ASLO REQUESTED COPIES OF THE ORIGINAL CONTRACT WITH THAT ACCOUNT BEARNING MY SIGNATURE FROM XXXX. WHICH IAM entitled to see the proof of verification in XXXX. XX/XX/XXXX, XXXX to the address reported on my credit report which is XXXX XXXX XXXX XXXX WI XXXX the letter was sent certified. I have the receipt showing that they received the letter and I sent the letter via certified. and they have failed to respond to my letter and request and they are in violation of the fair debt collection practices 807-8. Defamation, Negligent enablement of identity fraud, violation of the fair credit reporting act. today is XX/XX/2018 and they have not responded to me.they received and signed for the letter on XX/XX/2018 today is the XXXX day and I still haven't received my request XXXX XXXX Account XXXX
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This account is currently in litigation due to deception and predatory lending practices. This account falls in that XXXX - XXXX timeline. They were asked to provide information below several times and failed. The original account- XXXX XXXX Bank was charged off. On XX/XX/XXXX Judge once again ordered XXXX XXXX XXXX to provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Credit bureaus Experian and XXXX stated my account was properly investigated but how is that possible if the Last reported is inaccurate, Date of Last Activity is inaccurate and date of last payment is inaccurate. This is a clear FCRA violation and is grounds for deletion.
Consumer complaint received 2022-10-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: UHG, LLC (OH)

XXXX XXXX XXXX is a collection agency located in XXXX, New York between XXXX and XXXX I was relentlessly harassed and threatened until I filed a complaint with the New York and Ohio Attorney general 's office as you can see from the document I'm submitting they not only called and harassed me but they called and harassed my elderly father and brother threatening to have me thrown in jail. The outcome was that XXXX XXXX XXXX put a cease-and-desist on my account and no further contact was to be made with me and when I would decide to settle the debt when I could. As retaliation XXXX XXXX XXXX sold this account to another credit agency UHG I LLC without my knowledge. UHG I LLC is now suing me for the debt. The original creditor of the debt is XXXX XXXX XXXX for the amount of {$2200.00}. In the court summons UHG I LLC is threatening garnishment. I have had no contact with UHG I LLC regarding this debt until I receive the court summons on XX/XX/XXXX. There has been no attempt to collect the debt from UHG I LLC. I don't even know who they are. Last I heard the debt was with XXXX XXXX XXXX. In the court summons UHG I LLC submitted a bill of sales for this account on or about XX/XX/XXXX not from XXXX XXXX XXXX but from the original creditor XXXX XXXX XXXX XXXX to UHG I LLC which is untrue. It just seems like the debt is being bought and sold from XXXX debt collection agency to another without my knowledge until finally it got to a debt collection agency UHG I LLC who would who would sue me for the balance this company is known to sue people and XXXX XXXX XXXX knew what they were doing when they sold the debt to them. XXXX XXXX XXXX did not want to resolve debt. On multiple occasions I made attempts to settle the debt before it went to collections with no resolve. The debt was sold XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX without my knowledge then it was sold from XXXX XXXX XXXX to UHG I LLC without my knowledge who is now claiming that they've bought the debt from the original creditor XXXX XXXX XXXX  which is a lie.
Consumer complaint received 2020-04-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TN)

I took out a @ {$9700.00} student loan for my wife 's education in XXXX. In XXXX I entered into chapter XXXX. Navient, the private student loan servicer, did not respond to the bankruptcy courts request for debtors. Having not responded, Navient was not included in the repayment ( 100 % ). In XXXX I cleared bankruptcy. In the Spring of XXXX, my wife called Navient to start making payments and ensure I was removed from the loan. At that time, she was under the assumption she was the primary on the loan and did see a Navient student loan on her credit report at that time. She then began making payments. Those payments still showed on my credit report so it appeared all was well. In XX/XX/XXXX, I recieved a notice from Navient saying I was in default, and had not made a payment since XXXX. They also said the loan amount was over {$20000.00} at that time and I was the only person listed on the loan as the student. 
I asked for paperwork to prove the amount and that I was financially responsible and copies of the " notes about bankruptcy '' which the CSR told me existed. They did not send ANY paperwork until XXXX after me repeatedly requesting every piece of paper. In XXXX, I recieved only a copy of the original @ {$9700.00} loan and nothing further. I have since requested the remainder of the Information to no avail. I am NOT going to just pay {$24000.00} without proof of responsibility. Furthermore, I was not given any payment options in XX/XX/XXXX other than pay the balance. I need this documentation to see how to proceed. They have listed this debt as a charge off even though I told them I was in fact considered permanently XXXX back in XXXX as well as a Veteran. 
I read the CFPB complaint against Navient and many parts of my case sound similar. Can you please help?
Consumer complaint received 2020-04-15
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. (GA)

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/ XXXX violated my 609 rights by reporting information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX  XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX/ XXXX, XXXX XXXX XXXX , XXXX XXXX  XXXX, XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX- XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

I am submitting this complaint about syncrony bank/care credit. I have been having nothing but problems and issues with an existing problem ( charge ) that was fraudulantly done on the account from back in XX/XX/XXXX. This account is interest free for 24 months. The interest will incurr this XX/XX/XXXX if balance is not paid in full by then. Today I called care credit to figure out if the investigation is completed and my account credited back the {$510.00} that was fraud. I was told that the account needs to be closed and a new account number issued and a fraud complaint put back in. This is the 3rd time I am disputing this charge. The first time they credited the account then somehow added back onto my balance. I was also told today that they can't see back to far on the account as they do not have access to that far back. I am very upset as the balance they say we owe is {$1200.00} this is wrong the balance owed should be {$680.00}. We made 1 purchase back in XX/XX/XXXX. With no interest ( which I would like to note : there is still an interest added on this account for {$2.00} ) plus a late fee they were going to reverse which still has not been done. A dispute takes up to 60 days for completion. I am trying to get this resolved as I want to pay off this card in full before XX/XX/XXXX. I do not no what the issue is but I am being charged {$510.00} extra. Syncrony bank keeps saying they gave us the credit. Upon my husband taking the 1 initial charge minus the payments with no interest our balance is {$680.00}. I just made a {$300.00} payment today. I am also submitting another complaint as the minimum payment due each month when the card was opened was {$160.00} now the balance is signifiganctly lower and they want a minimum payment of {$600.00} this makes no sense whatsover. Balance going down minimum payment should be going down. They also lowered the credit line from {$4500.00} to {$1500.00} again which is very upsetting. This card would only be used for an emergency as to where they accept which is dental or eye doctor. I'm hoping by submitting this complaint through fustration with this bank that there will be some type of resolution and I can just pay off the card in full before XXXX when the interest would hit.
Consumer complaint received 2022-10-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Terms during covid went to simple compunded daily interest with little to no notification or explanation. It was essentially raking advantage of their customers during the deferment periods as stated in the terms. 

I want the interest forgiven and applied to my principal balance on my Truist ( previously XXXX ) XXXX # XXXX.