davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (SC)

On Wednesday, XX/XX/2024 I spoke with XXXX XXXX to resolve my payment with apartment complex XXXX XXXX XXXX in the settlement amount of {$710.00}, which I paid on this day. On the National Credit Systems website and verbally told by him stated that I would receive my letter of full payment with XXXX hours or less. Still to this date, XX/XX/2024, I have not received the letter or is it uploaded on the website. I have been calling and been in contact with him since XX/XX/XXXX about this. 

Each time I am told that the amount has been posted, the account has been closed and I should receive the letter within an hour or XXXX. Today, XX/XX/2024 my phone call has been ignored from my cell number until I called from a different number he picked up. I was told again that my payment has been posted and I should receive my letter within an hour or XXXX. That was around XXXXXXXX XXXX still nothing has been uploaded or have I received a call back from him. Due to me not having this letter I am not without a place to live & that is all I need to get an apartment. 

This has cause mental and financial strain on me. Per the company website I should have had my letter of payment with XXXX of my payment. It has now been 5 days and still nothing. I am constantly being told the same line every time I call if they answer my call.
Consumer complaint received 2024-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WESTERN ALLIANCE BANCORPORATION (CA)

Morgage on my property XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX Began in XXXX, The XXXX XXXX sold to Western Alliance. 
Loan number XXXX XXXX I have called repeatedly, and have spent an enormous amount of my time to bring this to Western Alliances attention, after they had essentially drained my bank account. I finally did talk to someone on XX/XX/XXXX at XXXX who agreed with me, that I was paid through XXXX, and my next payment would be XXXX of XXXX. 
I am still recieving notifications that I am behind in my payments. 
My concern is not only how the heck did this happen, but to get them to stop contacting me. I am concerned about my credit also. 

The XXXX XXXX took 2 payments in XXXX, the XXXX was {$2200.00} and the XXXX was {$2200.00} ( XXXX Payment ) Western Alliance then took took an additional payment on XX/XX/XXXX of {$2200.00}, and another on XX/XX/XXXX of {$2200.00} On XX/XX/XXXX Western Alliance took another payment, {$2200.00}, then returned {$2200.00} on XX/XX/XXXX In XXXX, Western Alliance took two payments on XX/XX/XXXX of {$4500.00}. They then took another payment on XX/XX/XXXX of XXXX. They also took payments on XX/XX/XXXX of {$2200.00}, via XXXX, and again {$2200.00} on XX/XX/XXXX. 
Let me point out this is 5 payments in one month. 
On XX/XX/XXXX, XXXX deposited the XX/XX/XXXX payment of {$2200.00} into my account. 
In XXXX there was a deposit of {$2200.00} on the XXXX, followed by a withdrawal of {$2200.00} on the XXXX from Western Alliance. 
On XX/XX/XXXX, there were two withdrawals from XXXX, {$2200.00} and {$2200.00}.
Consumer complaint received 2016-09-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (RI)

Mortgage was XXXX % finished when an appraisal was done. During the appraisal the APPRAISER took many pictures. The appraisal came in at about XXXX against a refinancing of about XXXX. All seemed to be OK. Wells Fargo underwriter then asked about certain work to be finished " bathroom was in the process of being done. The rep said " we ca n't proceed '' unless the work is finished. I feel that Wells Fargo used the appraisal to unleash a Trojan Horse into my house to inspect ( by taking pictures ) as well as appraise. After I paid {$370.00} for this appraisal, it was used against me to negate my mortgage application. During this process, my credit score went from XXXX to XXXX. I was subsequently denied the Mortgage. I have faithfully paid this same note to Wells Fargo for ten to twelve years. I was trying to lower my interest rate from 6.25 to about 4 %. as I am approaching retirement. Wells Fargo constantly bombarded me with solicitations in the last 5 years, but when I finally " took the bait '', I was turned into a sucker. All other criteria were met or exceeded. Now that my score has been lowered, and I have been denied a mortgage by Wells Fargo, I 'm reluctant to re-apply to another company.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lennar Financial Services, LLC (TX)

The companies listed inquiries on my report that I did not authorize please remove these unauthorized inquiries. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NJ)

My bill for internet service had been steadily increasing with XXXX annually. It reached a point where what started as a {$40.00} service was now being billed at $ XXXX. I had called XXXX and spoken to an agent to see if they had a better deal OR if they cancel my service so I can signup with XXXX. 
I spoke to an agent on XX/XX/2019. The end of my billing cycle is XX/XX/XXXX. I had asked that she put in a request to submit my request for the end of the billing cycle. She then clarified that if I picked a date before the billing cycle, that they would pro-rate the amount for the days the service was provided. Consequently, I moved the cancelation date to XX/XX/XXXX and signed up for a new service for XX/XX/XXXX. She re-confirmed that they would pro-rate me back the amount for remaining XXXX. 
PS - I have this in a recording that I would be happy to share as proof of agreement. 
The bill didnot reflect our conversation. After speaking with customer service numerous times, they said that their agent was mistaken and that I would still have to pay for the service even though it was cancelled by XX/XX/XXXX. They only thing remedy they offered me was that they would train their agent. This wasn't an acceptable course of action as it was an error on XXXX 's part. They refused to rectify it and threatened to send me to collections. 
When they sent me to collections - I requested to dispute it but I didn't get an information from them to be able to do so. I know see that it is unfairly on my credit report and I would like to rectify it.
Consumer complaint received 2024-03-04
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. (CA)

A charge was made on my account on XX/XX/XXXX in the amount of XXXX by the " XXXX XXXX '' which was unauthorized and not made by me. I contacted Chase to report the unauthorized charge immediately. I was informed I would not be responsible for charges not made by me and they would issue a credit while they investigated my dispute. On XX/XX/XXXX I received a letter stating they had completed their investigation and determined that I " received a benefit from this transaction ''. I immediately contacted Chase Fraud Department and spoke with a representative who indicated the account number was manually keyed but an ip address matched what they had on file for online banking. I requested this information be sent to me and Chase declined stating it was confidential information. I have attached the letter received from Chase as well as a record of my ip address which I obtained from the website ipaddress.my which gives detailed information. As Chase has not provided me with any of the relevant information I requested which shows my identifying information, I am unable to further verify any of what they are saying. I often do work from remote locations and use public wi-fi hotspots and have accessed Chase online from different locations. However, in no uncertain terms did I make the purchase in question and find it unfathomable that I should be required to pay for something I didn't purchase.
Consumer complaint received 2024-03-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (FL)

Westlake financial will call 2 to 6 times daily under different numbers and caller ID in an attempt to get me to pay when i am behind. Even when i have a payment arrangement they will still call up to 6 times a day 7 days a week. If i block numbers they will call from a complete new set of numbers under different names : XXXX, XXXX XXXX, XXXX, etc. They have called me 3 times XXXX before XXXX : XXXX, just after XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/24 XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, The week of XXXX through XXXX they called me XXXX times. 

the week before that XXXX times. 

It is so aggravating to try and work where most of my job is via phone calls yet they interrupt me all day.
Consumer complaint received 2024-03-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (WI)

In 2020, during XXXX I was low on funds due to being on furlough from my job and needed to pay my rent. So I took out a loan with CashNetUSA however, I didnt expect them to charge me 300 % in interest. Unfortunately I was not able to pay it on time so they sold it to a debt collector company who is suing me for the money plus the interest.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Navy Federal via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Navy Federal has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.
Consumer complaint received 2020-09-01
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: CBC Companies, Inc. (OH)

Notice for Proof of Claim for Accounts. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following items are inaccurate : 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 following address and phone numbers are not associated with me either. I have never used these numbers or lived at the address listed. XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX.
Consumer complaint received 2016-04-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ENOVA INTERNATIONAL, INC. (MI)

yes i applied for a short term loan and put down my pay dates and the company with drew money out of my account that maid me go in the negative i put down that i got paid every XXXX day of the month but the company put down the XXXX week of the month had a fee of {$33.00} and tried to get the bank to dimiss it XXXX XXXX told me that i authorzed it and they could not help me
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I applied for assistance on my home loan on XXXX of 2015. Since I submitted my request for review, I have been assigned XXXX representatives, I was sent letters of any missing documents, in which I returned all items as requested. I was contacted in XXXX of 2015 and advised that I had been approved for the Hamp Trial Program. I did not agree with the offer, since the payments were still too high for my fixed income. I requested an appeal on XXXX XXXX, and no response has been provided. On XXXX XXXX, 2015, I received a letter from Wells Fargo dated, XXXX XXXX, 2015, stating that my payment would increase from {$560.00} to {$1000.00} a month, effective XXXX XXXX, 2015. No explanation was given to as why there was an increase or at least a 30 day notice. When I spoke to the representative at Wells Fargo, she was unable to advise to why the increase and unable to provide status of appeal. In addition, prior to starting the review, I set up an escrow account for taxes and insurance and I was told by the representative that I could cancel in the event the hamp program was not accepted.
Consumer complaint received 2024-03-04
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: BARCLAYS BANK DELAWARE (VA)

In XX/XX/2023 I received a call from Barclays indicating suspicious activity in my credit card account ending XXXX. I confirmed I did not make the transaction and agreed to have a new credit card issued. Barclays issued a new credit card ending XXXX and a provisional credit to my account for the disputed amount of {$71.00} while the activity was investigated. 

In XX/XX/2023, the disputed amount of {$71.00} was placed back to my account. I contacted Barclays who indicated that the investigation was concluded and I will receive a letter. No information regarding the investigation was provided bythe customer service representative. 

Barclays letter dated XX/XX/2023 reads as follows : We have completed our investigation and have determined the activity is valid based on documentation provided by the merchant. As these transactions are valid the provisional credit has been reversed and the amount owned has been placed back on your account. 

Unfortunately, Barclays failed to include copies of the documents provided by the merchant, therefore I do not have any evidence of this investigation. I do have a name, address, purchased item, or phone number of this merchant or whoever committed fraudulent activity. 

I have been sending numerous letters to Barclays requesting copies of the documents XXXX provided. As of this date, I havent receive the requested information from Barclays. Just the same response. 

I look forward to your reply and a resolution to have Barclays remove the fraudulent credit card charges from my credit card.
Consumer complaint received 2024-03-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (WA)

I purchased secure spend visa gift cards and whenever I tried to use them, the card is declined. Contacted the company, got replacement cards that had the same issue. Unable to get a refund.
Consumer complaint received 2017-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CT)

I have a 15 year mortgage that 's paid by weekly. The problem I see is Wells Fargo takes the money out of my bank, and does n't apply it right away. they wait untill the end of the month then apply both payments. So I 'm missing out on the extra interest that I should have paid but is n't. I 'm not even getting interest on the money they take out for two weeks, and they get to use it anyway they want for two weeks interest free. 
The first payment gets taking out on the XXXX of the month it is put into my mortgage but not applied as credit untill the end of the month when the next payment is due then they combine them and then credit my account. 
that does n't seem fair. Why am i not getting the benefit of appling the payment right away Thank you XXXX XXXX CT XXXX XXXX
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery Associates , LLC, through their agents, employees, representatives, has committed aggravated identity theft. They have obtain my non public personal financial information without my authorization or consent. I have never done business with them, do not have any contract with them and they opened an account, number XXXX without my consent or authorization. There is no Privity of contract. Portfolio Recovery through, their agents, employees, representatives are attempting to extort me for money ( payment ) which is a crime under title 18 of the United States Code. They also do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying Portfolio Recovery can legally collect, and proof that Portfolio Recovery is the current holder of the instrument which created the debt with my original blue ink signature. Portfolio Recovery is violating the holder in due course clause pursuant to XXXX XXXX XXXX XXXX ( a ) ( XXXX ). A debt cant be transferred or sold when past due or in notice of dispute. I refuse to pay this alleged debt to Portfolio Recovery and I do not consent or authorize for Portfolio Recovery to have access to my nonpublic personal information as they are third parties and I never did business with them. I will report this to the Federal Trade Commission. This is grounds for a federal lawsuit.