davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I tried to get a credit increase with CapitalOne but they keep denying me cause there is a Pending Legal Action against me. Ive called CapitalOne and they have no idea or information about the pending legal action ; I also called the credit bureaus and they also dont have any information and I also check through the court of courts for any liens, judgements, etc. and I have nothing. I dont know what else to do- can someone please help me out with this sticky situation I am currently in? I will highly appreciate it, thank you in advance!! 

Sincerely, XXXX XXXX
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

My current subprime mortgage provider is OCWEN. I have a 15 days grace period to pay without late fees. However, it is only available before and up to 10 days after your due date. Between the XXXX15 days in order to pay online, we are charged a {$10.00} fee. I have tried mailing my payment to avoid the {$10.00} fee but always they claim they did n't receive it which makes it worst because then it is a 5 % late fee. If I have a 15 days grace period then it should be free to pay online.
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hello My wife and I filed bankruptcy and have been out bankruptcy for over a year now. However our loan on or Mortgage being serviced by Select Portfolio Servicing says the following : " Our records indicate that your obligation has either been discharged or is subject to an automatic stay order the United States Bankruptcy Code. Even though your personal liability on the note may be discharged or subject to an automatic stay, the terms of the mortgage remain in effect and the owner of the mortgage, as a lien holder, continues to have a lien on the real property. '' After repeated calls to SPS they told us that we needed to re-affirmation letter while we were in bankruptcy in order to change the status of our lien. 
For the last year we were unaware that SPS and previous Mortgage servicing company XXXX bank had kept us in this protected category. Basically keeping us in their " debt collection status '' Both XXXX and SPS when we called for assistance have said on their recording " you have reached the debt collecting department attempting to collect a debt '' When we called SPS our current servicing company they said " We will always be in the debt collection status because we needed to have a " Re-affirmation letter of debt while we were in bankruptcy '' within the last 12 months of making payments on our mortgage they have not recorded any of the payments to the credit agencies and this has caused issues for our credit reports as well as wanting to refinance our loan. We are current on our loan and all payments. 

From our Bankruptcy lawyer : Hi. 
It is a total lie that assistance on a mortgage is linked to re-affirmation. In fact, the federal regulations preclude this. 
To refresh your memory we do n't re-affirm mortgages. Only personal property ( a car, a boat etc ) is subject to re-affirmation. In fact, some Judges have suggested that re-affirming a mortgage is malpractice if supported by an attorney. 

What we do with mortgages ( and you DID DO ) is file a Statement of Intention to retain the property ( pay ). This should be in with your records and can also be pulled from the bankruptcy court 's electronic website. 

If you are having this trouble I strongly suggest that you file a complaint with the federal cfpb. It is super easy and done entirely online. The mortgage company ( or more likely the assigned rep ) is just taking a bogus position in so far as what you are relaying. 
XXXX We are looking for help and hope that your department can place pressure on Select Portfolio Servicing , Inc to follow the rule of law. 
We are tired of receiving bogus and inflammatory mailing every couple of weeks from them keeping us in the " debt collection department '' and ruining our credit. 
Thank you
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I have an unauthorized and unjustified hard inquiry on my Experian credit report from XXXX XXXX XXXX. Experian has told me I can contact XXXX XXXX XXXX to request it be removed but XXXX XXXX XXXX is no longer in business so I am out of options.
Consumer complaint received 2015-04-21
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Brookshaw Management, LLC (TX)

My account with XXXX was sold to XXXX and recently they were going to subpoena me to court if I did n't pay {$300.00} dollars. So I did n't want to risk going to court and pay fees so I agreed. The so-called debt collectors are called XXXX Management. I checked out their website and it did n't look credible. Is there anyway you can find out if I have been scammed? I know my money is long gone by now but I want to know if I really paid my debt. Also, when I checked my account with XXXX it said I only owed them {$75.00}.
Consumer complaint received 2022-01-20
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: EQUIFAX, INC. (FL)

I receivved a copy of my credit report and it listed a lot of incorrect information on the report. 

1. Listed if a credit card account by XXXX XXXX XXXX XXXX 

I disputed this because the information was incorrect, they have late payments on the account to which is incorrect. The balance is also incorrect. 

I was able to get a letter from the company that states the information was report to due to an error, and the information needs to be reflected as such. 

I also disputed address that I am not associated with and or never lived there. The information was not removed.
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

My Nelnet XXXX loan payment has been on auto-pay for years. I have received a XXXX  % discount for paying via auto-pay and a XXXX  % discount for on-time payments for years. 

In XX/XX/XXXX, I updated my auto-pay banking information because I changed to a new bank. I have never received any notice that my auto-payments would be disrupted in any way due to the change in my banking information. 

My student loan auto-payment was not drafted in XX/XX/XXXX. I did not receive any notification that my account was not paid or past due. In XX/XX/XXXX, I checked my account and noticed it was past due which surprised me because my account has been on auto-pay for years. I paid the past due amount and inquired what happened. At this time, I also noticed that my discounts had been disqualified. 

The XXXX % discount for auto-pay was reinstated but my XXXX  % discount was not due to the missed XX/XX/XXXX payment. The payment was missed because Nelnet did not draft the payment via my auto-pay, not because I neglected to pay my balance. I called Nelnet customer service on XX/XX/XXXX to issue a complaint to get the XXXX  % reinstated given that my account is on auto-pay. I was told during this call that my issue would be escalated to management and a manager would call me back. On XX/XX/XXXX, I called Nelnet customer service to follow up on the matter given that I had not received a call from management. During the XX/XX/XXXX call, the representative said that the customer service representative that I spoke to on XX/XX/XXXX gave me the wrong information. The new representative said that an incentive request form would need to be filed on my behalf and that I would receive a decision in XXXX business days. I called in XX/XX/XXXX and was told by a representative that an incentive form could not be found related to my matter. I was on the phone for over an hour with no resolve. It's been several weeks and I haven't been provided any decision nor do I have any confirmation that an incentive form has been filed to remedy the issue. I am put on hold for hours when I call Nelnet with no resolution. I believe they are giving me the run around so they can deny my incentive to force me to pay them more in interest and fees for profit.
Consumer complaint received 2022-01-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (FL)

I tried to withdrawal approximately {$4300.00} usd on XX/XX/XXXX. After reaching out to determine why I am unable to, I was advised that fraudulent activity took place on my account. I was unaware of this and have yet to see any proof that there was fraudulent activity. The only digital currency I currently hold is shiba. Crypto.com stated that there was a {$3500.00} transaction for eth. There are no eth funds in my accounts. Crypto.com is restricting me from accessing any of my funds. Even those that exceed the amount of {$3500.00}. I am requesting that this be further investigated. I have offered to supply statements showing that I did not make that transaction and do not feel it is legal for them to hold additional funds.
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (MD)

Synchrony Bank-Care Credit Impersonating Representative for phone contact for account closure Mobile cell porting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Consumer complaint received 2019-02-20
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: PHH Mortgage Services Corporation (FL)

XXXX and XXXX are reporting me as 120 days past due on the PHH Mortgage Svc and XXXX - partial account number : XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This is harming my score. I have disputed this directly with the two bureaus but the coding has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2016-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pinnacle Credit Services, LLC (GA)

Pinnacle Credit Services had placed a collection in XXXX of my credit reports. I became aware of this following my receipt of a copy of my annual credit report, in XXXX XXXX I had not received any prior notification of this alleged debt from Pinnacle Credit Services. I contacted Pinnacle via mail, requesting verification of the alleged debt including all information concerning this alleged debt. Pinnacle chose to ignore or refused to respond the written request. I followed this with a complaint to the XXXX. Pinnacle responded to this complaint with the same standard reply that they have issued to every complaint filed with the XXXX. The reply by this company states : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX VIA Electronic Mail Re : Complaint Case No. XXXX Dear XXXX, Pinnacle Credit Services , LLC ( " Pinnacle '' ) has received the above-referenced complaint. Pinnacle is unable to verify any of the information provided by the complainant. Due to the nature of Pinnacle 's business, we encourage the complainant to contact us directly at our toll free phone number ************, where we may address these concerns securely and in compliance with state and federal law. Sincerely, Pinnacle Credit Services , LLC '' I did place a call to the number provided in the response. The company refused to discuss the account over the phone. However, the company did remove their trade line from my credit report. On XXXX XXXX, of this year, I received a XXXX from this company. I immediately placed a call to the phone number provided on the XXXX, and left a message on the voice mail for this company, basically demanding an explanation. The following day, I received a phone call from XXXX, pertaining to the message I had left on the voice mail of Pinnacle Credit Services. The individual who called told me that he could not disclose any information. That he knew of no option for me obtaining the information I had requested. He had no explanation as to why I had not received any information prior to my receiving the XXXX. This call by " XXXX XXXX, XXXX. was nothing more than a scare tactic. Pinnacle Credit Services did not follow any state or federal law. And certainly did not follow the laws, pertaining to the Fair Debt Collection Practices Act or the Fair Debt Reporting Act. A certified letter was sent to both companies following the phone conversation on XXXX XXXX, XXXX. XXXX companies have continued to ignore or refuse to acknowledge any and all request or demands. Though XXXX letters have been received by the XXXX companies.
Consumer complaint received 2022-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

I have disputed a negative account on my credit report from LVNV Funding and they have yet to verify and validate the information they have listed. I have never had an account with LVNV Funding and this is hindering me from obtaining credit from other lenders. I have sent a certified letter # XXXX to LVNV Finding on XX/XX/31 detailing the inaccurate information and they refuse to delete this from my credit report. I have also sent another certified letter # XXXX to XXXX and they have not verified the debt. Persuant to the FCRA and FAIR DEBT PRACTICE they are required to verify and validate the debt which they have not.
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

This credit card closed my account without any consistent reasons, a lot of my auto-payments got delayed and some even charged me a late fee. I called for an explanation and for my surprise, customer service informed that they can not disclose any information and there is nothing they can do, really?? On XX/XX/XXXX, I received a letter informing that the account was closed because I am a high risk for the credit card company. 
I never had a late payment in my life, always paying on time and in full all my bills. In fact, they were paying me a lot of cash back money and I am truly believe that this is the real reason that they closed this account. 
During an audit for my taxes, recently I noticed that on my last statement, I spent {$8300.00} and this amount, as usual, was paid in full and on time HOWEVER when I checked my reward summary for the same statement, there was {$0.00} ( XXXX ) cash back earned for this period. 
I just spoke to customer service, by the way terrible, and they informed that because the account is closed I can not earn any cash back. This is ridiculous and does not make any sense because I didn't request to close the account. 
At this point I feel that I've been stolen and there is XXXX respect and consideration by the company.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (MD)

Honestly made several attempts at calling and E-message Navy Federal Credit Union once I discovered issues with XXXX credit report before and after setting up fraud alerts due a XXXX  credit card. I made a decision closed ALL my accounts with this financial institution because I wasn't getting any answers on what other revolving XXXX  accounts exist. Since I couldn't get answers I lost confidence and trust at keeping other personal accounts open especially the ( ONLY one ) XXXX credit card w/limit {$3500.00}. During the last week of XX/XX/year> I went into the NFCU bank and asked branch manager to close existing accounts, she couldn't see any other issues exist with regards to a revolving dispute credit card cash rewards w/limit {$5000.00} or that I owed {$100.00} or more.
Consumer complaint received 2021-05-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (FL)

I started a HELOC with PNC Bank more than 3 months ago. I uploaded my initial documents on XX/XX/2021. 

After uploading 47 documents asking for everything under the sun the company has my loan processing at stage 3 out of 6. I have excellent credit history and income yet they have failed to move the process forward.

The person at the bank for the last month has been falsely telling me that they will get back to me as soon as possible with a decision but never happened. They keep asking me to keep waiting and waiting. 

This is very disrespectful and feel like I have been tagged along for a ride. 

I filed a complaint with their department and never heard back from them. I am very disappointed and upset they made me waste over 3 months to make a determination on my loan application. 

I feel very mistreated.
Consumer complaint received 2015-05-11
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo allowed a 3rd party ( XXXX ) to withdraw funds from my savings account. Being a savings account this should have never happened. XXXX was supposed to withdraw funds through my Visa/Debit card, which is tied to our checking account. This has about XXXX in NSF check fee to my Savings account. Money withdrawn by Wells Fargo has caused another XXXX in NSF fees to my checking account. I believe Wells Fargo was intentionally using this situation to fraudently create NSF fees, by timing transfers from checking to savings, to time periods the knew would cause futher damage. A savings account should never be able to be accessed by a third party, it is not a checking account.
Consumer complaint received 2022-07-19
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. (IL)

To whom it may concern : I recently found that you are still illegally reporting inaccurate, noncompliant, and false information about me, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists for the following accounts & account numbers : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX  regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

Please delete accounts from my report immediately. I await your reply. 

Thank you, XXXX XXXX
Consumer complaint received 2021-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Oklahoma Student Loan Authority (WI)

I have disputed this collection numerous of times they have yet to produce any of the information that I ask requestion through the 3 credit bureaus they always say updated information but it never confirms the accuracy of this charge no documentation has ever been giving to me or anything Im just being billed I dont even know the terms because I havent been giving any please remove this from my report it shows multiple inconsistencies certain dates say paid on one report than on another it says late this is in violation of my fcra.
Consumer complaint received 2022-01-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FRCA Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason for immediate removal of these items from my credit report. It has been over 60 days, and I demand these items be deleted promptly or I will file litigation for my grievances.
Consumer complaint received 2019-02-20
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: AMERICAN EXPRESS COMPANY (LA)

Can not get thru to the bluebird American Express company phone lines. They are holding my money hostage! And they have not returned {$57.00} back to me. After I called them repeatedly time and time again all i get is nothing they have a long waiting list and I will have to called back later. But i can leave my phone number and my name and they will get back to me but they never do.
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

Ocwen Loan Servicing holds the second mortgage on my home. At the time I filed a Chapter XXXX Bankruptcy my payments were current regarding this loan. Ocwen stated that due to my current bankruptcy status they could no longer accept payments towards this loan. There was no basis either contractually - in the promissory note, or legally - as a result of the bankruptcy filing, for the beneficiary or its servicer to refuse to accept my payments. Instead it was a ploy to try to force me to sign a reaffirmation agreement on this debt, which I had no legal obligation to do so. Now they are attempting to add late fees and foreclosure fees to my loan balance, fees that were incurred as a direct result of their own unilateral action of unjustifiably refusing to accept payments. This is, to my view, an unfair and deceptive practice towards me that was likely repeated with many other consumers. I have suffered damages in the amount of lost wages, legal fees I incurred in fighting the foreclosure and doing the mediation and in the amount of late fees and foreclosure cost being tracked on the end of my loan balance. I lost my father less than a year ago and this additional stress caused by the threat of foreclosure has been unbearable!