davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK (TX)

This issue pertains to my Secondary Home Improvement Loan - originated and serviced by Gateway Mortgage - a division of Gateway First Bank. This morning ( XX/XX/2023 ) I talked with a Gateway Mortgage representative named XXXX. He was about the least helpful associate I've dealt with in decades of working with Banks and Mortgage Lenders. My question surrounded why Gateway mortgage has been incorrectly applying the extra payment I started sending to them since last XXXX. Basically, they've been taking the extra payment and applying it ahead in a way that ensures they are receiving their interest payment. He told me that I did not need to make a payment until next XXXX!! Every other bank in the world takes that overage and applies it to the Principle- on the month it's paid. I am asking the CFBP to look at this suspect practice as it clearly violates Truth in Lending laws ( and I'm sure several other laws aimed at mitigating deceptive practices by large banks ). Moreover, XXXX said that he'd " submit a ticket and some supervisor would call me back in 24-48 hours ''. When I asked him for the ticket number for confirmation he said he couldn't give it to me. Beware of this company!! They do NOT keep customer service in mind and their practices are clearly something the CFPB should investigate. At this point, Gateway Mortgage has applied over {$600.00} to their own interest vs. buying down the principle of the loan. Again, this is a very deceptive practice and one that should be punished.
Consumer complaint received 2023-01-18
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. (TX)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zebit, Inc. (VA)

XXXX XXXX  first contacted me about a month ago regarding a debt owed to a company called Zebit from XXXX to XX/XX/XXXX. They claim to be a debt collector and have provided me with no proof that they own or were sold the debt or evidence that I consented to Zebit to provide them with my information. I know for a fact that they do not own the debt as the debt does not exist for the following reasons. 

I purchased a XXXX '' XXXX XXXX from Zebit on what was basically a lease to own basis. When I received the product it did not work, and after about thirty days of attempting to exchange the product or have it refunded, the company refunded what I had paid to that point and advised that I could " recycle it at your discretion ''. 

Zebit attempted to contact me once again in XXXX and I had to remind them that they cancelled the order and refunded me, and now we are having this issue again. The email communication that I received today stated that " XXXX XXXX-Zebit, LLC '' would be added as a collection account to my credit report in 26 days. I would also like to point this out as further proof that the debt collector has no authority to collect the debt. 

I have attached the email correspondence from XXXX to this complaint in both a text file that is mostly in order as well as the original emails from the company. 

For reference XXXX XXXX XXXXI Reference Number : XXXX Zebit Account : XXXX
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

My Case Number was XXXX. I contacted you 'll in XXXX XXXX. The Problem is again with Select Portfolio Servicing. I know we are being overcharged, Since XXXX every year, the Mortgage has increase. We have A fixed Interest Rate. The reason was Taxes and Insurance Increase every year. I disagree! I can prove that we are being overcharged. Probably since Select Portfolio had Mortgage. I Contacted them in XXXX XXXX. When we receive A Letter that our Mortgage was increasing again. I told them and put it in Writing, we will pay our own Escrow. As of XXXX XXXX. And that 's what we have done. Now XXXX XXXX. They trying to say we owe them XXXX and our Mortgage Increase to XXXX. I Refuse to pay them Escrow. Because I knew they were Robbing us, I just had to prove it and I did. XXXX I Paid only Loan and Interest for the whole year. We pay our own Taxes and Insurance. The Company has been robbing us since the Mortgage have been sold to them. The Payment for XXXX Increase to {$1500.00}. That was including Escrow. Principal {$440.00} Plus Interest of {$540.00} Total of XXXX. I Pay XXXX Every Month on time. For XXXX. Put XXXX on the side for Taxes and Insurance. Still does n't equal out to what this Company reason are for keep Increasing every year. I need Help I 'm not convince that the Loan Balance is Correct either. All I should have left on my Mortgage is 12yrs. and the Balance is still at XXXX Something is seriously wrong. I would like my case to be Reopen and Investigated.
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

I, XXXX XXXX had only XXXX mortgage that eventually ended up with Ocwen Loan Servicing. The original loan was for {$110000.00}. The XXXX late payment of 30+ days took place in 2006. Ocwen has posted the same loan XXXX, and has purposely cut off several years of payment history. Even though the loan has been paid in full, the 7-year rule applies pertaining to the posting of credit histories. All Ocwen loans must be deleted permanently, not just the duplicated items. Ocwen Loan Servicing is now being forced to sell off their servicing assets by court order that started with Federal Trade Commission sanctions. My credit is being destroyed by Ocwen Loan Servicing illegally.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I received a notice in my email on XX/XX/2023 that someone had applied for a XXXX XXXX XXXX XXXX Credit Card. I did not apply for this card!!!! I Called and talked to XXXX at our local Bank Of America today XX/XX/2023 at XXXXXXXX XXXX he said to contact the credit bureau and they would remove the hard inquiry. I contacted XXXX directly afterward on XX/XX/2023 at XXXXXXXX XXXX  and they said they would remove the hard inquiry in XXXX hours. But they said they DO NOT contact and WILL NOT contact Bank of America. I placed a credit freeze on my account and informed them I had a police report from XXXX where someone had tried to open 2 bank accounts and cards in my name.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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. 

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  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 2023-01-18
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-18
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. (TX)

On XX/XX/2022 I contacted Experian about the following negative accounts XXXX XXXX XXXXXXXX ( XXXX  : {$74.00} Balance Updated : XX/XX/2022 ) Its been over XXXX  days and Experian XXXX respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2016-02-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

for the past three months Ditech Financial has added a late fee to my mortgage payment. The payments were done through my banks online bill pay option which I have been doing for years w no issues. My Financial Institute shows that Ditech has received the payments prior to the later fee date each month, yet the payment is n't being process until after the XXXX to which I am being assessed a late fee for. I even went as far as having the representative annotate in my account file that my financial institute was showing that they had recieved my payment on the day i was speaking w them for the month of XXXX which was XXXX XXXX.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (FL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-01-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (OH)

In XXXX of XXXX we placed an order with XXXX XXXX for a couch with a total financed amount of {$3100.00} through Affirm. XXXX XXXX failed to deliver the product and in XXXX of XXXX we were granted a refund that was issued back to Affirm. During that time, we made monthly payments to Affirm in the amount of {$260.00} in XXXX, XXXX, XXXX, and XXXX for a total payment of {$1000.00}. 

Affirm granted us a refund of our payments on XX/XX/XXXX for {$840.00}. 

Upon researching the discrepancy, we were informed that Affirm does not refund interest payments as a policy. Seeing as how we never received the items ordered and that Affirm received a full refund from XXXX XXXX, I feel that it is unjustified that they retain our interest payment as we should be entitled to the full amount that we paid. 

I am curious about the legality of withholding interest on refunds for products that were never received.
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

As of know PennyMac has not send the payment for my property tax. I keep calling the Bank to inquiry about the payment and nothing has been done to resolve the problem. They claimed that they did a wire transfer on XXXX XXXX, 2016 for the amount of {$2300.00} but when I called XXXX XXXX County to check on my account they told me that they have not received any payment. I do n't want to be held responsible of the late payment. If the bank sent the payment late they should be responsible of the late charges. Also, I need to know where is the payment and the date they send the payment? Please investigate.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (OR)

Occurred XX/XX/XXXX & XX/XX/XXXX, two separate times. 
There have been accounts opened in my name using my social security number, name and date of birth, on two separate occasions in XX/XX/XXXX, without verification of my email, address, phone number, or ID. I have never had accounts with TD Bank. If not for XXXX, I would not have known about this. The first time, XX/XX/XXXX, I called TD Bank, and I was told the accounts would be frozen, then closed. I was also told my social security number would be flagged against this happening again. Obviously it happened a second time on XX/XX/XXXX. They are allowing people to open accounts online with no hard check on credit, or ID verification. At this point, because of XXXX, I was able to stop this before any money was lost. I would like to know how I can be compensated for constant time spent on the phone, internet, lost work time, stress, etc., trying to get these matters resolved. I would also like to have people aware of TD Bank 's practices, and they be held responsible for these practices, so this does not continue to happen to me or others. I will also be filing a complaint with the XXXX, and looking into a lawsuit since this has happened multiple times.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (MD)

Withdrawal of {$350.00} from my checking account on XX/XX/2022 from a dispute for a fraudulent transaction on XX/XX/2022 from a company caught in a scam. 

Services were purchased that were NEVER received. The bank, instead of correcting the issue and crediting the funds back to my account, are aiding in the scam and approving of the fraudulent activity for which their customers fall victim due to NO FAULT of their own. 

If banks are not for the customers, it's clear to see that Ally is not at all what their name says for their clients. 

If this were a purchase on XXXX or from XXXX XXXX for an actual product that needed to be assembled ( with both companies partnering with individual contractors to assist their customers with assembling the product ), and the product was delivered with the contractors never showing up to assemble the product, the funds would have been refunded. XXXX or XXXX XXXX receive their payment for the product, and the contractor is also paid to schedule and come out to assemble the product. 

However, if the contractor does not show up and provide the services paid for, the funds should be refunded/the transaction reversed because no services were received after being paid for. Of course the transaction was authorized because the customer was paying for a service that was to be rendered ( which it never was ). In a day and age of social media ruining companies profiles and customer retention ( especially for customers who are of XXXX decent ). 

Services paid for that are not received automatically void out a transaction as being approved/authorized and the funds are to be refunded back to the customer ( regardless if the transaction is a credit card payment OR a debit card/checking account transaction ).
Consumer complaint received 2015-03-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have a credit card with Capital One, a gm card to be precise. Before XXXX I ordered some vinyl upholstery from XXXX XXXX, after receiving notice that the order had been delivered, but not received by me I complained to Capital One. They arbitrated an agreement with XXXX XXXX to reissue the order, XXXX XXXX would not send the order until they got the cash back from Capital One. After another long wait I cancelled the order, and XXXX XXXX told me there would be no refund because they never received the money from Capital one. I have been waiting months to see a refund, and finally filed a complaint, they tell me they ca n't help me. I have no product, but am still out the money plus interest charged on my original complaint.
Consumer complaint received 2024-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (OH)

On XX/XX/year>. I received a letter from XXXX XXXX XXXX XXXX directed to my son XXXX XXXX saying they were attempting to collect a debt on behalf of XXXX XXXX XXXX  for {$100.00}. However, the last statement I received back in XXXX did not show the amount due was going to be sent to a collection 's agency. My son is away in college, and I am the person who pays for all the medical bills and provides for his health insurance. He has no credit history because he just graduated from XXXX  XXXX. How in the world are these people trying to damage my son 's credit when he has not even started one? Why did no one reach out to me to let me know that was the next step? I have been paying this Medical Bills as they come from this provider and many others, but if I am not aware one particular bill is about to go to collections it is not fair or right to put it on an adolescent that has no idea how his parents pay their bills.
Consumer complaint received 2016-02-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I came to the Bank of America branch to cash the check that was Bank of America check. In order to cash the check I was told need to open account. I di n't want to set up it because BofA has only couple branches in the large XXXX XXXX, and its not convenient for me. Later I got a Statement with monthly service fee. I thought Bank will see that account was not funded and was not used, and will close it. Instead, Bank took advantage to charge another monthly service fee for the service that I did n't use. Recently I call to BofA customer service to request to reverse the " service '' fee and close account. Lady on the phone refused to give me her full name, as well as employee ID or any confirmation number. I know only her first name : XXXX. She said that I overdrawn account and need to pay. I told her I did n't spend any single penny from this account, its your Bank overdrawn my account by charging service fee for the service that I did n't use. I did n't use this account, I did n't use debit card, I did n't use Online banking, I did n't use anything. What kind of service do I have to pay if I did n't use anything? When I asked to talk to a manager or supervisor she decline my request too. It does n't look a good customer service, and it makes me very upset and makes me to file this complaint in hope you would able to help me, and to inform other people.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NJ)

I received a copy of my credit report and the following account is in error. This debt has been reporting late payments after the creditor has charged off this account as bad debt. 

Victoria Secret acct # XXXX Why am seeing a balance after it was a charge-off status? Please remove this immediately. 

By the provisions of the Fair Credit Reporting Act. I demand that this item be investigated and removed from my report understanding that you will recheck these items with the creditor who has posted them. Please remove any information the creditor can not verify. I understand that under FCRA 15 U.S.C. Sec 1681s-2/ ( a ) ( 1 ) ( a ) you must complete this reinvestigation within 30 days of receipt of this letter.