davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

This account was in 2014, it's already been taken off my credit report it's so old. They bought my name or something and is trying to drag up something from 10 years ago. I spoke to my atty, and he Said just throw their letters away that case is over they're just mass mailing people accts they've bought, someone has called y to see the date on it, and knows statute is up. But in the meantime I'm getting letters and non stop phone calls. He suggested I write the company and ask for original paperwork, but they keep changing their name, it was portfolio recovery but the letterhead was someone new, which I didn't keep the letter, since I was told it was old, do nothing just throw it away. If they would even look at the date they'd see their error. I don't know who they are but this is close to harassment. They call at least 3x a week. I would like them to cease and desist any further contact with me. And read what they buy and try to collect on. 

Thanks XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2021-08-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (VA)

I am trying to take advantage of the VAs Interest Rate Reduction Refinance Loan, as suggested by my new mortgage company. It has taken several months to complete the process. I have had closing cancelled twice within 24 hours of the scheduled meeting because the company is waiting for subordination approval. I called the bank with the HELOC, and learned that Freedom Mortgage first asked for the wrong amount XXXX {$3500.00} too low ) and the second time, didnt sent the updated request.
Consumer complaint received 2020-06-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I had three mortgages with XXXX  XXXX XXXX. All were transferred or sold to another lender, but with insufficient prior notification of the loans being sold. This resulted in payments being made to the wrong lender, and my account being incorrectly reported as past due. Attempt 's correct this mistake with the credit bureaus and the lender have failed to resolve this issue. 

Credit Bureau - Experian Lender - XXXX  XXXX XXXX Account Number XXXX Account Type Mortgage Date Transferred, closed XX/XX/XXXX Delinquency incorrectly reported - XX/XX/XXXX Credit Bureau - Experian Lender - XXXX  XXXX XXXX Account Number XXXX Account Type Mortgage Date Transferred, closed XX/XX/XXXX Delinquency incorrectly reported - XXXX and XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2016-09-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Venture Financial Services, Inc. (KS)

Back in XXXX of this year, I had a XXXX completed at XXXX XXXX XXXX. At the time of the XXXX, I paid {$30.00} on a credit card toward the bill. Since then, XXXX XXXX has not tried to contact me regarding a remaining balance. 

On XXXX/XXXX/2016, I received a letter from Venture Financial Services. They state I owe {$31.00} to XXXX XXXX XXXX XXXX XXXX. Because the bill is not itemized and the date the services were incurred was not listed on the bill, I can only assume it is related to the XXXX. I am not willing to pay this bill unless Venture Financial provides me with an itemized explanation for the charges which demonstrates I owe {$31.00} above an beyond the {$30.00} already paid back in XXXX. I am also concerned that XXXX XXXX did not process my {$30.00} payment correctly, primarily because they were undergoing a computer system change on the day of my appointment. The problems they were experiencing delayed my appointment considerably and this can be verified through their coordinator at the XXXX XXXX XXXX XXXX location, because I lodged a formal complaint about how disorganized they were on the day of my appointment and communication about my XXXX following the appointment. I am including a copy of my receipt from XXXX XXXX for your records.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

A one time late payment was reported on my credit report recently. I was making payments for over XXXX ( XXXX ) years and this was the first late payment reported. There was only a remaining balance of {$2300.00} roughly. I didn't realized the car payment had matured and thought I had time to make the payment. Dealing with XXXX, working less hours and my daugther returning to college I managed to keep up with the payments, sometimes late, but never to late to be reported. Shortly after my credit score dropped by over XXXX points I gathered the funds to pay the loan off on XX/XX/year>. I am humbly asking for assistance in having this late payment remove from my credit report. 
Thank you for your king assistance with this matter. 

Best regfards, XXXX XXXX
Consumer complaint received 2024-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

tried to log into my account but every time I set a new password the customer service rep would deactivate the new password and when I tried asking for a supervisor, they would refuse to let me speak with a supervisor about my account. 

I am locked out of my account now and can not log into my account then a XXXX XXXX get on the phone and when I asked her can you forward the call to a supervisor she said she can't let me speak to a supervisor that were her exact words. 

and when I did say to her so you're refusing to let me speak to a supervisor on a recorded line she would repeat what she said, and I would confirm what she is saying and say your refusing to let me speak to a supervisor just confirming what she said. 

and then i terminate the call I'm trying to log into my account and also check that my loan forgiveness with the XXXX XXXX went thru it was processed and I was just checking that it did, but I can't get into my account right now this needs to be investigated and escalated to a XXXX supervisor at Nelnet.
Consumer complaint received 2024-05-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

I am a XXXX XXXX  of XXXX XXXX XXXX in XXXX, MO. I attended from XXXX XXXX XXXX XXXX. In XX/XX/XXXX I received notice from the department of education that my Federal Student loans are being discharged for misconduct associated with XXXX XXXX XXXX. In XXXX I defaulted on XXXX private student loans associated with XXXX XXXX XXXX and serviced through Navient. Navient and subsequently through their associated collector XXXX XXXX, XXXX then proceeded to put me through what I believe were illegal collection activities. They called my phone nonstop, they called my parents phones nonstop, and they called my place of business nonstop ( this number was never provided to them for contact ), and they called extended family members nonstop. On top of this they also threatened legal action on these loans. Considering what has come to light about XXXX XXXX XXXX and their activities, and the fact that the Federal Loans associated with this institution are being discharged. I believe that these loans were settled in error and the situation should be rectified. If these loans were currently open, they would be subject to the current Navient Borrower Defense Discharge program for private loans. The full amount of these loans should be discharged, the full settlement amount of {$8100.00} should be refunded, and any payments made before default should be refunded ( as of this time Navient does not show what the payments before default are ). Also, I had a XXXX XXXX loan with Navient that was paid in full XX/XX/XXXX. This loan was subject to collection activities many times but never reached the level of default. Considering the above information, I believe this loan should also be subject to discharge and refund as well. The history of payments on these loans totals up to roughly {$18000.00}.
Consumer complaint received 2024-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

I could not connect online to my Nelnet account for more than 2 months Nobody answered my phone calls, even if I waited on the phone line 1h to 2 hr. 
I can not select how my payment to be applied ; Because of that, they charge more interest, and does not allow the principal to increase according to my plan. 
Only once in the last 5 month I could made a selection for my additional payment, and they still applied interest at the additional payment ; Nobody answered to provide explanations. 

I could not get the information that I needed regarding the government program for student loan reduction ( in the paper they give a link to some video, difficult to understand but not possible to access if I can not connect online to the site )
Consumer complaint received 2024-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

Venmo is withholding my funds. They wont send it back to who originally sent it to me. I had a Venmo agent ask for my XXXX XXXX which I provided and now other agents are responding avoiding my question why did a venmo agent ask me for this if its not accepted. They are asking for documentation to verify proof of address. I have and I sent them an email as well with where the funds are coming from. XXXX my tax return with my XXXX XXXX XXXX on it and my information and they dont respond to direct questions. One agent got loud with me and I asked him for his name which he refused at first. Then gave me his first name with last initial and I requested he email me this information a d he did not.
Consumer complaint received 2020-06-25
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. (FL)

After checking credit report I found out fraud activity and accounts which are not belong to me. However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts. 
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
I uploaded my personal information like SSN, DL, Proof of the address and Identity Theft where all fraud accounts were listed. Please remove them as soon as you can.
Consumer complaint received 2016-09-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NY)

American honda finance is practicing to request for settlements such as the company received from me XX/XX/XXXX. Then report to the IRS I owe the remaining balance. Although the debt was charged off on credit report XX/XX/XXXX. The company would not show up in court when I filed a complaint against the XXXX Honda Dealership and American Honda. It was told there address was not listed in XXXX. So I received the run around from the time vehicle was purchased. I traded in a XXXX Toyota for a XXXX Honda XX/XX/XXXX then received a bogus contract the seller ran off for his practices where he received monetary for a transaction that I ended up having difficulty getting rid of once the company played there shady games towards me.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Premier Auto Credit (CA)

YOUR COMPLAINT 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. Premier auto credit account XXXX Open XXXX closed XXXX Balance XXXX XXXXXXXX XXXX XXXX Original creditor Balance Balance updated PREMIER AUTO CREDIT {$11000.00} XX/XX/XXXX Have duplicate accounts on my credit report, I have no knowledge of this account and XXXX XXXX XXXX of a 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 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 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

I am writing to formally complain about a significant issue I have experienced with Chase Bank, concerning the freezing and subsequent closure of my bank account, and the prolonged delay in the return of my funds. 

In XXXX of last year, during a high volume of personal transactions due to relocating and preparing for the new school year like renting house, getting deposit from previous landlord, and purchasing second hand used furnitures from individuals, which caused many transactions. Chase Bank froze my account without providing a specific reason. They informed me that an investigation would be conducted and that it might take up to three months. Furthermore, they stated that following the investigation, the account would be closed and any funds would be returned to me via check. 

It has now been over six months since the closure of my account, and I have yet to receive the check for my balance, which exceeds {$5800.00}. This situation has severely impacted my financial stability, affecting my ability to manage daily expenses and academic commitments. 

Despite repeated attempts to resolve this issue with Chase Bank, there has been minimal communication and no satisfactory explanation or evidence provided as to why my account was subject to such action. The delay in returning my funds and the lack of transparency are not only inconvenient but also distressing. 

Given these circumstances, I urge the Consumer Financial Protection Bureau to intervene on my behalf to expedite the investigation and the return of my funds. I am seeking your assistance to hold Chase Bank accountable and to ensure such practices are scrutinized to prevent undue hardship on others.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CBC Companies, Inc. (NY)

I noticed on my credit report a hard inquiry on XX/XX/XXXX made by XXXX XXXX of XXXX. I bought my truck from them in XXXX and would NEVER go back there again. I do receive mail from them stating that I am eligible for a refinance of my vehicle but never accepted them as they would be the last place I would go for a refinance. I also noticed two more hard inquiries for Factual Data in XXXX PA from XX/XX/XXXX and XX/XX/XXXX. Is there a way to find out what these two inquiries were for as I do not recall applying for any additional credit from anywhere in the past 12-16 months if not longer.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

For the last couple of years ... if I ever over drafted my account I had until the end of the 2nd business day ( including their grace day period ) to deposit money to cover the transactions or suffer and over draft fee of 35 dollars. However lately if I overdraft my account and I deposit money before the end of the 2nd business day per their grace day period to cover the transactions I still get charged 35 dollars per. I had called last week to reverse XXXX dollars which they reversed as a courtesy. However now I have 3 transactions that " posted '' on the XXXX of XXXX and got charged XXXX dollars overdraft fee per transaction even though I DEPOSITED XXXX DOLLARS cash into account at their ATM to cover all transactions and make my balance positive. The deposit was made PRIOR to the end of the grace day period. What the " tier 2 '' representative told me was because the transactions were " pending '' and posted on the XXXX the fees are valid and they will not be reversing the fees. However the 3 transactions already reflected on my account and we're subtracted from my balance hence why I went negative and hence why I deposited on the XXXX. This has happed more than 10 times since I opened the account and I have lost XXXX to this practice.
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (HI)

See attached files for dates and times ranging from XXXX - XXXX of communication between myself Resurgent and XXXX XXXX XXXX I wrote XXXX XXXXXXXX XXXX to issue my copy of 1099 due to account being charged off. And collection company respond to my request to verify debt. 

12 CFR 1006.18 prohibits debt collectors from engaging in false, deceptive, or misleading representations, which includes reporting inaccurate information to consumer reporting agencies Furthermore the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) govern the reporting of consumer debt to credit reporting agencies. The FCRA, under Title VI of the Consumer Credit Protection Act, regulates consumer reporting agencies and aims to ensure accuracy, fairness, and privacy of consumer information [ 2 ]. The FDCPA prohibits debt collectors from using deceptive or abusive practices in the collection of debts, which includes reporting inaccurate information to consumer reporting agencies. 
Additionally, all of this has caused me massive emotional distress and suffering due to these companies abusing their position and violating me. My life has been a nightmare and I have suffered because of the violation of the FCRA and the FDCPA. 
In summary, I have been compelled to accept predatory loans and subsequently face credit denials due to these companies disregard to follow guidelines instead their violation of my rights highlights broader issues within the lending system, including predatory practices and barriers for me to access fair credit.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NC)

My Chase Credit Card, and phone with access to the phone was stolen on XX/XX/year>. The thief made purchases on XX/XX/year> two purchases to XXXXXXXX XXXX  for XXXX and XXXX. XXXX XXXX XXXX purchases for XXXX, XXXX, XXXX, and two XXXX XXXX purchases for XXXX and XXXX. I contacted Chase fraud department, cancelled the card and alerted them to the fraudulent purchases. They removed the purchases and I thought all was complete. I filed a police report which is attached. Chase came back on XX/XX/year> saying that I am responsible for all charges as I received benefit from these transactions. This is not true, I am a victim of fraud and they should not be on my billing statement.
Consumer complaint received 2020-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

Over 90 days ago, I wrote to the Aargon Collection Agency. I requested proof of validation. I have not received any correspondence. I have sent three follow-up letters, to no avail.

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the letters and dates as evidence of my requests. Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed.
Consumer complaint received 2019-05-20
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: EQUIFAX, INC. (CA)

the following one collection is not mine, this is an inaccurate information reporting under my name, please find attached the documents that shows i had been a victim of ID theft, this is a fraud account showing under my name, please have equifax remove this inaccuracy thank you
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (CA)

Several years back I began the XXXX loan modification. After several months of back and forth with various people inside Wells Fargo, I received a letter from the bank dated XX/XX/year> indicating that my loan was not eligible based on the fact that my income as they calculated it was {$8200.00} per month and as such was outside the 25 % XXXX % range. The letter further indicated that according to XXXX guidelines I had 30 days to appeal the decision. I immediately sent a letter appealing the decision on the basis that their income calculations were incorrect and I specifically requested a copy of their calculations so that I could address the error. On XX/XX/year> I received a letter that my appeal had been denied and I never received their income calculations, nor was I ever allowed to address any errors. I feel their " token '' appeal amounts to nothing more than a fraudulent attempt to comply with XXXX guidelines so that Wells Fargo can give the appearance of meeting government requirements. 

Anyway back then my loan added up several XXXX in late fees etc and I NEVER was able to get a modification. I'm now going to pay off the loan and the late fees and charges are being demanded to pay off the debt.