davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (NJ)

Presser, Felt & Warshaw LLP called me to collect a debt although I do not owe them any money. When I called them and requested that they stop contacting me, XXXX XXXX at extension XXXX, proceeded to ask me questions that I didn't feel comfortable answering and when I refused he said that he would not remove this number because I wouldn't answer his questions. Why should I have to provide information to a debt collector that I don't owe any money to.
Consumer complaint received 2019-04-04
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: FIFTH THIRD FINANCIAL CORPORATION (MI)

I called to ask what credit reporting bureau 's score does Fifth Third use for auto loan consideration. I was told XXXX. I know I need a score of around 630. I have Identity Alert which gives me my 3 scores monthly. I had just saw my report and scores yesterday. I already knew I wasn't at 630 on XXXX. The representative did not say, " I can run a credit report ''. After running my report she says, " your score is XXXX, which is a little low ''. Call us back later. Again, I already knew my score. I thought she was giving some information to help me. I gave her the information and she gave it back. I do not want a hard inquiry on my report for that!
Consumer complaint received 2019-11-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

On or about XX/XX/2019 Specialized Loan Servicing modified my mortgage loan. 

While I was doing research I found Monthly Distribution Reports which are provided by XXXX XXXX, the Master Servicer of the trust that my mortgage loan is said to be a part of. These Distribution Reports are reports report on all aspects of these loans so that the IRS and the Trust can see what is going on. 

Surprisingly to me the information I found has a lot of discrepancies. Either XXXX XXXX, XXXX XXXX  XXXX, and Specialized Loan Servicing are defrauding the IRS and the Trust or they are defrauding me. Either way I suspect some fraud on their part like I have always suspected. 

I have attached the Loan Modification Agreement, copies of the pages of the Distribution Report that is pertaining to my mortgage loan ( note that mortgage identifier is my originating mortgage loan number which is XXXX which you can verify on my Note which is also attached here to ). 

You will note that the Principal Balance also called Actual Balance has a discrepancy of {$52000.00} The Balloon Amount listed on the Modification Agreement vs. the amount listed on the Distribution Report has a discrepancy of {$500000.00}. 

The Deferred amount on the Modification Agreement vs. the amount listed on the Distribution Report has a discrepancy of {$140.00}. 

It is clear that there is some type of fraud that is involved in these documents. My Modification Agreement should be reflecting the amounts that are listed on the Distribution Report which is suppose to be the documentation everything is based from.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX I am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (FL)

On XXXX I lost my mom. I'm one of the oldest of my siblings. I had to incurred with a lot of the cost to give her a proper burial. Between XXXX and XXXX I encounter a lot of life changing situation that set me back on my payments. Since that traumatic event I was able to get my life in order. I have made all of my payments on time since then.
Consumer complaint received 2019-11-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

On or about XX/XX/ 2019 Specialized Loan Servicing modified my mortgage loan. 

While I was doing research I found Monthly Distribution Reports which are provided by XXXX XXXX, the Master Servicer of the trust that my mortgage loan is said to be a part of. These Distribution Reports are reports report on all aspects of these loans so that the IRS and the Trust can see what is going on. 

Surprisingly to me the information I found has a lot of discrepancies. Either XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and Specialized Loan Servicing are defrauding the IRS and the Trust or they are defrauding me. Either way I suspect some fraud on their part like I have always suspected. 

I have attached the Loan Modification Agreement, copies of the pages of the Distribution Report that is pertaining to my mortgage loan ( note that mortgage identifier is my originating mortgage loan number which is XXXX which you can verify on my Note which is also attached here to XXXX. 

You will note that the Principal Balance also called Actual Balance has a discrepancy of {$52000.00} The Balloon Amount listed on the Modification Agreement vs. the amount listed on the Distribution Report has a discrepancy of {$500000.00}. 

The Deferred amount on the Modification Agreement vs. the amount listed on the Distribution Report has a discrepancy of {$140.00}.

It is clear that there is some type of fraud that is involved in these documents. My Modification Agreement should be reflecting the amounts that are listed on the Distribution Report which is suppose to be the documentation everything is based from.
Consumer complaint received 2019-11-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (MA)

I am a payee for my sister-in-law, her social security XXXX benefits go on a Direct Express card each month. In XXXX 2019 {$180.00} in fraudulent charges were put on her card. I immediately called Direct Express. I spoke with the fraud department and they sent out paperwork for me to fill out, I did that and I faxed the paperwork to Direct Express and I received a confirmation that they received it. 9 business days later I call Direct Express to follow through because we still have not gotten credit, they claim they never received the paperwork from me. I've been faxing the company every single day for over 10 days now getting a confirmation each day and we still have not gotten credit. when I do try to call them I either get disconnected or two to three-hour process. All we want is her money. the charges came from XXXX, none of us has a XXXX, none of us have a XXXX account. This money is the only money she has coming in. Thank you. I submitted the original card number that the funds were taken from, we now have a new card with a new account. Thank you again
Consumer complaint received 2019-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IN)

I filed a prior complaint with you and for some reason you out the complaint in my husbands name. We are both on the loan. Bayview advises they made a mistake and said they sent notice to the credit bureaus and it would be corrected. However Bayview is still calling me. I have written down and logged 12 calls advising me that we are late on our payments and owe {$190.00} from XXXX XXXX. However when I call they tell me my payments are current. Clearly they have not credited my account the payments they have received. What is happening with the interest on this account? Why cant they just update their system of the Loan modification they approved. I can not get a car loan because their mistake damaged my credit until it is updated. As stated earlier I want them to update their records and stop calling and telling me Im late when Im not.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

My name is XXXX XXXX XXXX XXXX am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-08-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

On Wednesday, XX/XX/XXXX, I submitted a transfer for the full amount of my "Ally Invest" account to my Ally Bank Savings account, as the funds were being managed very poorly and losing value very quickly. Since that time, Ally has continued to "kick the can down the road" and give poor reasoning for why the funds have not been transferred between my accounts which are at the same institution including the funds needing time to "settle" after being divested. When bringing this matter to the attention of management at Ally Invest, my chat was abruptly ended after asking to speak with his manager, as I was very unhappy with the way he, and the company as a whole, was treating me. What I fail to understand is how a company can get away with ignoring my direct instructions to transfer my money back to me. They did a bad job, and I wanted it to end.
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXXSecond Round LPXXXX XXXX XXXX XXXX XXXX, Tx XXXXXX/XX/2019Re: Acct 01 XXXX XXXX		Dear: Second Round LP   	You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX 1XXXX XXXX XXXX XXXX, Ca XXXXXXXX XXXX XXXXC/O XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXXAugust 20, 2019Re: Acct 01 Comenity Bank Victoria Secret		Dear: XXXX XXXX XXXX   	You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX
Consumer complaint received 2019-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There was an account opened on XX/XX/2018 with XXXX XXXX XXXX with a ending balance of {$570.00}. The company said it was opened in North Carolina and I live in XXXX, Michigan. This account was opened fraudulent do to the results of identity theft.
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ca XXXXLVNV Funding LLCC/O Resurgent Capital Services XXXX XXXX XXXXXXXX, SC XXXXXX/XX/2019Re: Acct 01 XXXX XXXX XXXX XXXX		Dear: LVNV Funding LLC   	You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX
Consumer complaint received 2019-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (PA)

I recently sold a pair of XXXX Sneakers to a buyer located in MI on XX/XX/XXXX for a total of $XXXX  through the website XXXX, Payments were sent through the company PayPal. After both companies took their share of the sale I was left to get paid a sum of $XXXX to my PayPal account where I would be able to transfer the money to a bank account to retrieve it. PayPal has a policy that the company holds all payments until 24 hours after they can confirm items delivery, meaning since my item was delivered XX/XX/XXXX at XXXX I should be able to access the fundsXX/XX/XXXXat the same time but this was not the case. I then contacted PayPal & was able to get to speak to a manager named XXXX where she was able to release my funds from a hold they had over the money. I then tried to transfer the funds to a bank account linked to my PayPal account but the company did not accommodate a instant transaction as which was selected & my money was placed back on a hold for no reason for 72 hours as a employee told me over the phone, I then was able to reach another manager named XXXX where he mentioned It was a system glitch & I would be able to get my money out at a local XXXX. I then drove to XXXX only to get told by a customer service representative that I could not receive my money & that it was on PayPals end why I could not. I then called PayPal to explain the matter to where I was being hung up on over & over when trying to reach another supervisor. Eventually I was able to reach another supervisor by the name of XXXX, where he gave me the run around saying my account was limited & that it raised suspicion to their security system to which he replied if I sent them a picture of my Identification I would be able to get my account back in good standing to get my money. I did everything I was told & sent him the picture to where he said he would personally lift the hold on my account & I would be able to go to XXXX to access my money since he suggested he wouldn’t try a bank transfer. I then attempted to take money out at XXXX   but still the same issue arises. I am now left with no options seeing as though I am unable to get anyone from the company employees/supervisors that can tell me why I am unable to receive MY money. I now just have a account that says I have money their I can use when in actuality I am unable to do anything with it. After searching this very matter online I seen so many other complaints with the same matter to where I think now the company is committing fraud & holding peoples money doing whoever knows with it. This is a disgrace & highly unacceptable.
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P. (GA)

This debt has been placed on my credit. No knowledge of this debt the residence this only debt I never live there try to dispute the death of XXXX XXXX XXXX XXXX will experience I’m able to they want to collect $XXXX   and which I don’t know why and I don’t know when it’s wet come from trying to dispute it and try to get information about it with no of course.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Touchstone Partners, Inc. (FL)

A couple of years back I had some misfortunes, and got involved in debts. In XXXX XXXX, I had a phone call from XXXX XXXX from XXXX XXXX XXXX, who assured me they would help me get out of debt fast. For this They would require {$410.00} a month. I agreed and the money started flowing out of my acc. to theirs. In XX/XX/2019, because of the harassment of my debtors, I called them and ask them how long it would take for me to see results. The answer was maybe two years. At this time I told them I couldn't do that and to send me my money back. They agreed and three weeks later I had no news from them and no money. When I called again, I spoke to a Mr. XXXX who assured me I would get my money soon. Two weeks later I received a check for {$540.00}. I sent them a letter stating that this money was 1/4 of what I had paid them for nothing, and to explain how was the money used, I mean they did nothing. To this date I have had no answer to my letter, nor my calls. 
My question to you is, how can you help me stop this people take nave older persons, ( I'm XXXX years old ) for all the money they don't have? Like I have stated I'm still waiting for their response.
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (VT)

On XX/XX/XXXX i received a default letter of an amount I owed of which was a total of $XXXX of which there was a Charge of $XXXX in purchases that i questioned and stated were not made.  Synchrony Bank review purchases thru XX/XX/XXXX and could not tell me where they came from.  That day they started a dispute file and stated to me it would take 30-60 days to resolve.  Since then i have spoke to them every week XX/XX/XXXX spoke with XXXX and stated its was under dispute and she noted it would take 30-60 days to resolve.  XX/XX/XXXX spoke to XXXX she stated there was a resolution for which I never received in the mail which was stated to me and they had to reopen  because they did not see it resolved and again would take 30-60 days. every week since them i keep reminding them the account is under dispute and until the purchases that were not made are resolved the bill would not be paid.  as of today, XX/XX/XXXX the resolution still has not been acheived and they still have not answered the request of where the original purchases came from.  I speak to them still every week.  they stated the week of XX/XX/XXXX a letter of resolution was sent out, but the letter i received was agian just a past due notice with no resolution.  they keep reporting me as past due and keep sending me late payment fees but still have not answered my questions.so i am looking to this  organization to assist in moving this dispute forward and get it resolved.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (MS)

I refinanced my home with Caliber home loans which was fully funded XX/XX/2019 paid off! They reported me late XX/XX/XXXX and XX/XX/XXXX on a paid off loan!! I contacted them several times calling and mailed certified letters! Also with all three credit bureaus they reported back as accurate! How when the loan is paid off