davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OH)

I moved out of my apartment complex, The XXXX Apartments, in XXXX, OH on XX/XX/XXXX. Upon leaving, we were told we would have a final payment owed that included a final electric bill. The amount originally owed was XXXX, I called after the first week we moved out and they adjusted that price down to {$210.00}. I paid that amount via check ( that I have receipt of ) on XX/XX/scrub>XX/XX/2024. That would be on day 87, well within the threshold of 90 days that I was given by the XXXX to make that final payment. I have a ledger balance of {$0.00} on MY END through the payment portal, and I have confirmed with the XXXX 4 times that I was squared away and had paid on time. The XXXX even sent me a ledger on THEIR END displaying a {$0.00} balance that I owed. Surprisingly though, I received an email from National Credit Systems onXX/XX/2024 stating that I " have not made suitable arrangements to satisfy this debt owed ''. They clearly had not checked with the XXXX at all whatsoever. I immediately sent a dispute to this email from National Credit Systems stating I am not responsible for any of the debt referenced. I also requested that if they believed I was responsible for this debt, to mail me the documents proving this. I received NOTHING from National Credit Systems and instead checked my credit report this morning on XXXX to see I had dropped XXXX points from almost perfect credit, to just good credit. This is going to have a huge impact on me, as I am desperately trying to secure a loan to purchase my first home.
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

I made multiple student loan payments from my bank account or through debit card payments from XXXX all the way through XXXX. So when I heard of the cares act that president Biden announced that I would be able to get refunded for payments made during the pandemic, I say this is great. Seeing as it was a very tough time at the time and I still tried my best to make those payments. I made a few calls to my student loan servicer who at the time was Great Lakes borrow services. I contacted them to get more information on this matter and also to ask about the initial student loan forgiveness plan that the Biden administration tried to get to pass before the Supreme Court shut it down. In those conversations I made it clear that I was requesting a refund for those amounts, it was so clear that the person I spoke to multiple times broke down exactly how much I would receive back in refund. Well it is now XXXX and still have not received a refund. My loans were transferred to a new borrow derive named nelnet. Once president biden announced he would forgive more student loans through the save plan, Ive called in multiple times to see whats going on with the process. Today I called to get more information because only some of my loans were forgiven and I still have a balance on the account, Im the process of asking these questions I also asked about the pandemic cares act refund that I should have received. Being that I didnt originally start my loan with nelnet XXXX wasnt sure what steps I can take. They then confirmed that they have correspondence from my former student loan servicer but that they did not see where I requested a refund. They said that they only see I requested a refund through the Biden XXXX or less plan or something like that. So you can see how shocked I was to hear this when I clearly made it abundantly clear that I was requesting a refund with my former student loan servicer. Im so distraught I dont know what to do. I made it clear that I requested a refund and now theyre telling me that I requested something else. This is the worse experience Ive ever had with a loan servicer and now theyre refusing to process any kind of refund this is terrible and unconstitutional.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (TN)

during the month of XX/XX/XXXX i had XXXX XXXX  XXXX as my internet provider from the affordable connection program and they got there payment from them. on XX/XX/XXXX i return there modem to them and on XX/XX/XXXX i had XXXX as my internet provider. XX/XX/XXXX or XXXX XXXX i filled a claim against XXXX XXXX XXXX for unauthorized of {$34.00} from my checking account and my bank refunded me back into my account on XXXX XXXX XXXX {$34.00} from my claim on XXXX XXXX XXXX. then on XXXX XXXX XXXX the bank took back the {$34.00} and refunded XXXX XXXX XXXX. i requested to the bank proof that i sign a document for XXXX XXXX XXXX to take out fees for there service but at the time i had the affordable connection program during the month of XXXXXXXX XXXX  XXXX and i told my bank i have documents when i return the modem to XXXX XXXX XXXX and when i got service with XXXX from the affordable connection program. i talk to claims on XXXX XXXX about this problem and rejected me to show proof of the documents i had with XXXX XXXX XXXX internet. as of XXXX XXXX the bank still has not refunded my {$34.00} back into my account. the representative that i talk to on XXXX XXXX was rude to me and my wife and the supervisor on XXXX XXXX was very not helpful in the matter except all she did was listen to my complaint of the problem and did nothing.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OPTUM BANK, INC. (PA)

Hello. 
I had XXXX! unauthorized charges on my Health Savings Account from Optum Bank posted on XX/XX/XXXX. 
Here is a screenshot : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 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 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- All on the same date and the same location. Two of those were for the same exact amount of {$200.00}. 
I called immediately as I found this out. After that I had some, not all, charges reversed, except a double charge for {$200.00}. 
I called them several times since, but nothing is happening. They will kick me around to different " representatives '', and/or keep me on hold for long time. Each time I have to spend around 40min to an hour trying to explain again and again on what's happened to another person on the line. It is like talking to a wall. I am getting nowhere with this. 
Please help.
Consumer complaint received 2020-07-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

Pro Collect Inc XX/XX/2016 This creditor I do not know. I see a balance they are trying to collect for the original creditor of XXXX XXXX  and sure deposit. I have called this creditor and wrote them several times about this debt. They have not provided any validation to me regarding the debt and the was a court order for only {$850.00} to XXXX. The was a security deposit taken towards this. Yet, they have still not correctly reported this debt. They tried to collect on rent after locking me out of my property after I provided a 30day notice that I would be moving. They then placed the balance of months of the lease as a amount owed and attempted to collect it. I do not know how I owe the sure deposit anything. So i am not sure why they are also trying to collect this in addition to the rent. But this aggressive collections attempts need to stop. Or a formal court hearing needs to be filed. Both accounts are related to same facility and are not separate accounts.
Consumer complaint received 2024-02-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION (MI)

I had 3 unauthorized charges made using my prepaid debit card, Comdata Card Number : XXXX XXXX XXXX XXXX, exp. XX/XX/XXXX. The charges were for {$160.00} made on XX/XX/XXXX to XXXX XXXX, {$54.00} to XXXX made on XX/XX/XXXX, and {$33.00} made to XXXX on XX/XX/XXXX. I reported all of these charges as unauthorized and said I wanted to file disputes on XX/XX/XXXX. I also reported my card as having been hacked/compromised. During the next 6 days someone tried to use it to make online purchases and additional 29 times. They took the information and said they would investigate and to call back in 7 days. I called back on XX/XX/XXXX and was told that the charges on my card hadn't cleared yet so no dispute was on file yet. I said I wanted the disputes filed and they told me that this would take an additional 21 days to investigate. Today I received 2 emails for the XXXX, which I am pasting below, stating that 2 XXXX purchases are being investigated and will take 45-90 days. No word on the 3rd disputed charge.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BOA 's regulatory complaints department call and left an inaudible message as a feigned attempt to resolve a previously submitted CFPB complaint. The message is not audible. They did not send an email so there is no way to reply to the call. I called and emailed to try to get the information but have been stone walled. 

BOA refused to send me a proof of payment letter for XX/XX/XXXX {$120.00} payment to XXXX. Instead they faxed me some nonsense that does not expressly verify proof of payment and now they refuse to audibly communicate.
Consumer complaint received 2024-02-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

XXXX continues to sell this outrageous debt amount of XXXX that they claim I owe to various collections agencies over the past XXXX years. ( to date they have sold to over XXXX different collection companies ) After numerous credit disputes as well as credit removals from reports and phone calls with direct XXXX representatives to stop selling this bogus contract to collection agencies I finally had no reporting of collections for almost XXXX years until now. I just saw again for the XXXX XXXX time a New Collection agency name Jefferson Capital System XXXX XXXX XXXX XXXX XXXX, MN XXXX number is XXXX in my collection section reporting that I open this account with them XX/XX/year> for the debt amount of XXXX, XXXX on behalf of XXXX debt purchase. I as a Consumer again for the XXXX plus times did no such thing nor authorize any such purchases with XXXX amounting to XXXX, XXXX. I don't know nor recognize said collection agency or created such said amount requested by the collection agency on behalf of XXXX. They have falsely reported this on XXXX major credit reporting agencies as of XX/XX/year> XXXX, XXXX, and XXXX credit reporting agencies and it needs to be cease, dismissed and removed from my consumer credit reports expeditiously because this bogus collection is affecting my ability to obtain shelter for my family including myself
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (FL)

We hosted a conference at XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The final bill, of {$31000.00} was presented to us through email starting XXXX XXXX XXXX  Our point of contact at XXXX XXXX XXXX sent an email stating the hotel was transitioning to ACH/wire system. We followed the directions sent to us and processed the payment through ouXXXX XXXX XXXX  XXXX account on XX/XX/scrub>XX/XX/XXXX. I received another email on XX/XX/XXXX asking whether the funds had been sent. Due to a holiday weekend we agreed to give it a day to process. I shared confirmation # that the funds went to the XXXX XXXX resort per instructions. Further investigation led to the funds being sent to a TDBank account under the XXXX XXXX XXXX name. Our point of contact at The XXXX XXXX stated they do not use TDBank, which lead us to report the incident to our XXXX  XXXX XXXX fraud department. It has been 148 days since the investigation has started and we have yet to receive a response from TDBank or the XXXX XXXX.
Consumer complaint received 2020-07-02
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. (PA)

Please remove these accounts immediately.. They should not be on my report. This is fraud. I have proof of fraud. I've already sent it to all bureaus with no changes. I dont know what the issue is but remove it immediately because the credit bureaus are supporting fraud!!!! 

XXXX XXXX  Opened Date XX/XX/XXXX Balance {$770.00} XXXX   XXXX XXXX  Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4700.00} XXXX Opened Date XX/XX/XXXX Balance {$6500.00} XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2018-01-11
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: I.Q. DATA INTERNATIONAL, INC. (TX)

This company is representing an apartment complex I lived at. After two years they are stating I owe them $ XXXX. I have attached email between me and the apartment property management. They have now sold the file to a collection company while in dispute. Also I stated the rental box was broken into when I put in my 60 day notice. Should n't they have all this information? Should they have not done a police report? 
Property : XXXX XXXX XXXX Unit : XXXX Account # : XXXX Current Balance {$5400.00} I have disputed this prior to being sold as not mines and I do n't owe any moneys why they have sent collection is against the law.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (GA)

It has come to my attention this company has furnished a late payment to my consumer report. For the month of XX/XX/scrub>XXXX XXXX XXXX XXXX 
The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I HAVE NOT provided this company any writing permission. to furnish any of this information.
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KY)

venmo stole USD XXXX from me! 
customer support refuses to help in order to resolve anything they say respond to ticket so and so which I do not have! they only send me copy paste messages! they are very well trained scammers to exhaust their customers so they give up on their funds! but I will not! if I have to take this to the FBI I will this company must be taken down by law enforcement!
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (FL)

On XX/XX/XXXX I paid a reinstatement fee of {$13000.00} to make up for missed payments as I was sick after that I was told I owed an additional {$1500.00}. 
On XX/XX/XXXX I received a letter of intent of foreclosure after being late 30 days. 
On XX/XX/XXXX I received a letter of escrow increase in the amount {$2400.00} plus starting in XX/XX/XXXX On XX/XX/XXXX I received a letter to inform me to get my own insurance as they were going to be paying XXXX per year. 
On XX/XX/XXXX I received a letter to inform me that they cancelled the insurance as my new insurance company sent them the paperwork, however they said that there was a lapse of insurance and they were going to charge me {$7500.00}. 

# 1 When they sent me a letter to reinstate the mortgage I paid the amount asked. 
The {$1500.00} was added to it later after the fact. That amount was paid when the request for payment happened on XXXX with the letter of intent to foreclosure. 
# 2 after being 30 days late you want to foreclosure on the property.

# 3 you sent an escrow increase letter not even 60 days prior to the fact # 4 The mortgage company was in charge of the insurance payments if there was a lapse is their fault not mine. Also they sent a letter requesting insurance inmediately not even days notice. 
I have called a real estate attorney I was going to hire and as per his advise he said submit a complain with CFPB they are the first step moving forward. 
Make no mistake, I will do anything in my power to get a solution to these on going matters. 
My friend works for XXXX XXXX and believe me I will start with them.
Consumer complaint received 2020-07-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MI)

On XX/XX/XXXX Wells Fargo Home Mortgage Foreclosed on my home. XX/XX/XXXX Wells Fargo failed to answer my questions concerning my note. They failed to answer any of my questions on the questionnaire I sent them in XX/XX/XXXX. Wells Fargo Home Mortgage failed to answer pertinent questions Under RESPA AND TILA ACTS. 

Wells Fargo failed and deliberately ignored my numerous requests to answer my questions concerning the alleged debt they were demanding over the telephone. They refused to send me any bills or statements for what I owed and they never gave me receipts for the payments I made. Wells Fargo and its agents also endorsed the mortgage note at closing without my knowledge or disclosure that it endorsed the note on the back PAY TO THE ORDER OF AND WITHOUT RECOURSE. 
This indicates that they converted the note to a DRAFT ie a check and someone recieved a XXXX dollar payment. Then they proceed to demand payment when someone endorsed the note without recourse. 
On XX/XX/XXXX Wells Fargo reconveyed my home to a # rd Party debt collection attorney in the state of Michigan and these attorneys proceeded to pilfer my public Title to the property in question. To this Day XXXX XXXX  XXXX  and their agents have continued to Send Bills and Notices of collection and notices of Sherriffs sale on XX/XX/XXXX. XXXX XXXX has sent collection notices through the US Mail indicating a fraudulent process to collect on my estate and making themselves Fiduciary to my estate when I never authorized them to contract with me or my estate. Swindle, fraud, and fraudulent collection activity are being reported to the Treasury Department and the IRS as well as the XXXX police.
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

My phone was stolen from me and funds were taken from my account using the Chase Mobile app. With Chase 's Zero Liability Protection it mentions I wont be held responsible for unauthorized charges made with my card or account information. When I saw funds were taken from my account I reported it to Chase. 

The claim was denied saying it was an authorized transaction. I then submitted my police report describing the situation, explaining that I did not make this charge. After this, they are saying they still can not reimburse me for the charges.