davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

XXXX  XXXX XXXX owns my loan but the loan is serviced by a company called Shellpoint Mortgage Servicing. That company will not allow me to escalate the issue beyond what they call a " Single point of contact ''. In this case, the man 's name is XXXX XXXX and he has thwarted any and all attempts to stop my home from being foreclosed on. The company has agreed to and gone back on 2 separate modifications and then when we finally negotiated one, I paid {$5000.00} to them and lost my job. I immediately contacted my XXXX and he said that they were going to proceed with foreclosure. I have filed Bankruptcy several times to prevent the sale of my home but can not get ANY responses from this company. 

I have a paper trail of emails that show how evasive and sketchy the points of contact are. The company refused to put the modification in writing or even a record of the {$5000.00} paid. 

This complaint is being filed at the suggestion of a COO from XXXX  XXXX XXXX because of the company 's unwillingness to communicate or work with me and forcing foreclosure as an only option.
Consumer complaint received 2019-11-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (MO)

I have filed a complaint with you about XXXX XXXX. This is the collection company that used my personal information to open up an account and added charges that are 3 times more than what I had owed. The originator company is Comenity Bank. Comenity Bank lied about applying my payments to my account, and charged me late fees causing my balance to rise. 
I filed a complaint with XXXX, and XXXX XXXX so far these credit companies has done nothing about XXXX XXXX, and XXXX XXXX XXXX These companies both has caused my credit to diminish. They both opened up a account without my consent and knowledge, and they both increased the amount of what was owed to Comenity bank 3 to 4 times of what I had owed. Comenity bank had close the account but without my consent gave my personal information to XXXX XXXX, and XXXX XXXX XXXX. This is fraud and I want them to close these account on my credit report. I also want Comenity bank, XXXX XXXX, and XXXX XXXX XXXX to each pay me {$10000.00} each for destroying my credit. 
It seem wrong when someone can just open up an account using your personal information without your consent, add fees without consent this is fraud.
Consumer complaint received 2019-11-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I have filed a complaint with you about PORTFOLIO RC. This is the collection company that used my personal information to open up an account and added charges that are 3 times more than what I had owed. The originator company is XXXX XXXX. XXXX XXXX lied about applying my payments to my account, and charged me late fees causing my balance to rise. 
I filed a complaint with XXXX, and XXXX XXXX so far these credit companies has done nothing about PORTFOLIO RC, and XXXX XXXX XXXX. These companies both has caused my credit to diminish. They both opened up a account without my consent and knowledge, and they both increased the amount of what was owed to XXXX bank 3 to 4 times of what I had owed. XXXX bank had close the account but without my consent gave my personal information to PORTFOLIO RC, and XXXX XXXX XXXX. This is fraud and I want them to close these account on my credit report. I also want XXXX XXXX, PORTFOLIO RC, and XXXX XXXX XXXX to each pay me {$10000.00} each for destroying my credit. 
It seem wrong when someone can just open up an account using your personal information without your consent, add fees without consent this is fraud.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX, TX XXXX ( XXXX ) XXXX I contacted XXXX XXXX, TX XXXX ( XXXX ) XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

PHH mortgage purchased placed insurance on the property when my insurance expired. That was not a problem. I was notified to submit approximately {$2500.00} to cover the cost of the policy or PHH would place an escrow on my mortgage. I submitted the required money to reimburse PHH for the policy. They then refused to cancel the escrow account until I obtain a different policy even though I reimbursed the cost of a yearly policy. So I paid the {$2500.00}, and now I am paying an additional {$270.00} per month. I am trapped an trying to buy a policy but not getting cooperation from PHH. 
I have tried multiple times to contact their insurance department to obtain a copy of the policy, but keep getting cut off from the call for various reasons. 
I have tried to resolve this for the past 6 months and am frustrated by the lack of cooperation from PHH, and the multiple conflicting communications I received in the mail from them. I receive notices that the escrow is cancelled, then one saying it is not. Then another notifying me of the date my escrow is cancelled. 
When I call the customer service, its like the first time every time I call and I have to retrace my steps every call, this makes it nearly impossible to move forward. No body I talk to can help me. I am trapped into an escrow account while they continue to hold the money they asked me to send in to end the account.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

I have been banking with Wells Fargo since I was in high school, almost 7 years. 2 weeks ago I received a statement in the mail from a previous college landlord stating I still owed him a deposit which cause me to look back into my bank transactions that were paid to them. There were two charges I recognized not being authorized or even counted towards my paid balance towards the landlord. One charge was for {$510.00} made on XX/XX/2018- and the other charge was for {$620.00} on XX/XX/2018. I contacted the landlord several times and provided proof but was told they have no record. I was very upset over this considering Im no where near financially stable enough to take a loss like that and look past it. I had a little bit of hope believing that Wells Fargo would despite the charges considering the circumstances and my relationship with the bank, but I was certainly wrong. I had spoken to over 5 different representatives from customer services, claims center, and then resolution center, who all treated me with an attitude and dismissed my claim immediately giving me a strong impression that I wasnt a valued customer. I filed a claim with the executive office and asked several times over a 5 day period to speak with them on the phone, but was told I couldnt. I received a letter in the mail almost 6 days exactly after I filed a complaint with the executive office.. the letter stated the complaint was closed and it contained a couple sentences saying they apologize for my inconvenience and are disappointed they arent able to help, and that I should be aware of their policies. This whole experience was absolutely terrible and made me question why I do business with a bank who doesnt have their customers back whenever something goes wrong. The policy that they werent able to dispute a charge past 120 days is understood, but shouldnt mean that circumstances cant be taken into account considering the large amount of money. I am completely stuck and option less due to the fact that Wells Fargo decided not to protect my finances. I also am feeling a strong impression that Wells Fargo does not have their customers best interest in mind and views them as a number rather than person
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in XXXX XXXX XXXX XXXX XXXX XXXX, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the XXXX charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: KEYCORP (WA)

Key Bank XX/XX/2019 Went to branch & requested all accounts closed ; checking, savings, credit card. Received check for savings balance while at the branch. 
- Received email about account activity. Logged in & saw further activity on account ( credit card not closed out, account fee assessed, otherwise no balance for any charges ). 
Contacted customer service via bank website about account fee, was told CC account is still open. 
XX/XX/2019 Went to branch to follow up, manager assured me account would be closed, fees reversed as bank error. Manager said additional check issued by bank to me as CC fee refund XX/XX/2019 {$25.00} needed to be returned to bank in order to close CC account. 
- Received {$25.00} check in mail XX/XX/2019 Brought {$25.00} fee refund check to branch to close account. Received receipt from bank confirming their receipt of check & closure of all accounts. 
XX/XX/2019 received email about account activity. Contacted customer service via website, received reply that CC account still open. Unnamed account fees assessed, balance of {$0.00} I don't have a fax/scanner/copier but I can make copies at work and mail them in via USPS if needed.
Consumer complaint received 2019-11-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AK)

On XX/XX/19 I chatted online with USAA agents about my pay check being deposited in to a checking that USAA closed for overdraft. I asked what options I had to get my funds. The agent told me in the chat that if I paid the over draft now out of my active checking account I could have my direct deposit after 3 days. I paid the over draft out of my active checking account I had with USAA and once again the agent told me 3 days I would be able to have my pay check deposited in to my active checking account. This was confirmed by 3 other agents all in chats. When the day came on XX/XX/19 for me to get my funds back I was told that all those agents had given me false information and that I agreed to this process when I first got the account. I asked for a copy of that disclosure on XX/XX/19 and still have not received it. USAA is telling me 10-20 days for them to release my funds. Because of this I have late fees on other bills and rent. I have also lost 40 hours of work and will now have to pay for a class out of pocket. When I told USAA that agents all told me that I would get my funds back after 3 days they just told me that they system wont allow them to do that. USAA stated that they know this is a bank error but don't want to do anything to make up for it. USAA sticks to the system having the issue. When trying to reach out to my customer advocate about this issue and that USAA is violating the law she does not return my phone calls. I believe that USAA used any means they could to collect on money that was owed. The means that they used was very deceptive and a lie. I have asked everyday since XX/XX/19 for my money back as well as the disclosure but USAA still refuses to do anything about it stating that it is policy. USAA hasn't even asked me what they can do to make this right after I get my money back. I explained to them that this caused me to take a week off work because the original agent said all I had to do was call to get my money. I called while I was on a break from a class that I was taking the you can't miss anytime in and that short phone call turned in to 7 hours on the phone with USAA.
Consumer complaint received 2024-12-07
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: CITIBANK, N.A. (TX)

I made a purchase with my citi credit card. The product i order was a XXXX XXXX XXXX The product i received was tampered with. This effects the value and trust worthiness of the card and value. I disputed with the merchant. They refused to response. I filed a fraud case because the cards have been tampered with. Citi credit fraud department sent corresponding through the XXXX XXXX instead of paperless like I requested. I XXXX XXXX XXXX XXXX and told them that. I have called over XXXX times as well as they have called me but with automated service asking for payment. The proof they wanted can't be obtained in just days. It has to be sent off and verified and that can take months through psa. Now they want a full XXXX dollar or ruin my credit this isn't right! They refused to work with me or verify the issue by escalating the call to proper channels. The picture i upload shows they are supposed to contact me paperless!!
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report please. I called police and got contact with FTC. These are the items I need help removing : 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 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

After several requests, Certified letters, online complaints, and long waiting : Please accept this as a PROCEDURAL REQUEST LETTER to verify a bankruptcy being reported on my XXXX credit report. I do not accept a third-party reporting service co-owned by XXXX. ( LexisNexis ) This is required under the FCRA section 605.  Please advise how this item is verified as we have checked with the reporting court and they have no information from XXXX or anyone for that matter requesting verification. I have also requested in writing from the court to provide correspondence of same. I request LexisNexis to supply me with a verification letter regarding this matter or remove the reporting from my credit report immediately. 

Also according to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy can remain on your credit history for up to 10-years from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 

2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy can be removed from a credit report before that limit is reached. 

Upon providing this information to you I am requesting that the bankruptcy be removed immediately due to unverifiable proof and that under the FCRA this item can be removed prior to the maximum time limit. 

I am also forwarding a copy of this request to my attorney XXXX XXXX XXXX to which you have on file. Please correct this matter immediately and provide me an updated credit report.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Back in 2014 fell behind on my mortgage with Bank Of America loan origin XX/XX/XXXX to XX/XX/XXXX.  They sold the loan or transferred the loan to XXXX XXXX XXXX Tried to get the loan modified they gave me the run around missing docs, need more information this went on until XX/XX/XXXX I was able to get it modified they lowered the interest rate from 5.125 % to fixed 3.375 % and lowered payments to {$820.00} number of monthly payments 233. 

Assumed everything was correct made my payments to XXXX every month up to XX/XX/XXXX they transferred the loan back to Bank of America. I noticed online that the loan changed to a XXXX XXXX XXXX and remaining on the loan was 39 yrs and 6 month. Called BOA to let them know it was wrong got the run around everyone I talk to agreed with me that it was wrong. I continued making my mortgage payments to BOA and assured they would fix it more time passed. I got busy with life and didn't check on it because every time you have to explain why you are calling again and again and the agent would look at loan mod docs state I was correct and the circle would continue. 
You need to talk to a different department they would put in a claim to a different department to get it corrected. 

Last week I tried again to have someone fix it. Called again today the agent asked my name when I said it they instantly hung up. This happened 4 times in a role. The 5th time I asked the agent not to hang up before giving my name. I never was cross or lost my temper with the agents. Just want to get this resolved. 

When I talk to XXXX  agent they told me that the rolled in the rears and fees and by lowing the interest rate it would not increase the length of the loan. 

Note in my modification it says nothing about a balloon or increasing the loan terms
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MA)

I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in XXXX XXXX XXXX XXXX XXXX XXXX, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the XXXX charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
Consumer complaint received 2019-11-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc. (AZ)

XX/XX/2019 - XXXX XXXX  company informed me my loan payment for the prior month had not been made. This is incorrect. 

I mailed and the check was cleared from my account on XX/XX/2019 for the amount of {$86.00} for loan XXXX this was sent pay to the order of Data Mortgage dba Essex Mortgage. 

I have been transferred twice since then and they have failed to forward this payment to my past 2 mortgage company which is in violation to the 60 day transfer of payment date for a mortgage company. 

I have been trying to resolve with XXXX, in Essex Mortgage servicing, phone number XXXX since XX/XX/2019 and it is now XX/XX/2019. I have contacted XXXX, XXXX XXXX, phone number XXXX to have her help resolve and it also has not helped.
Consumer complaint received 2024-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I was shopping for a car in XXXX, XXXX and XXXX of XXXX  XXXX XXXX XXXX XXXX XXXX ) has a vehicle that I was interested in so I inquired about it. We were continuously going back and forth because I wasn't happy with the price of the vehicle so they kept contacting me lowering the price. I filled out a customer inquiry form and they advised me that they were not going to run my credit at all until we made a decision. This was a 3 month process. They ended up running my credit 36 times. I am still receiving denial letters! This is crazy and excessive. They never had my permission to run my credit at all and I ended up purchasing a car elsewhere that ran my credit only once. I should not be punished by a car dealership deception and unprofessionalism. They ran my credit from XXXX to XXXX excessively. These inquiries should be removed because they were done without my authorization.