davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

***XX/XX/XXXX - Bought home, financed with LoanDepot . Escrow was setup to cover both regular and supplemental property taxes. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***XX/XX/XXXX - Sent supplemental tax bill to LoanDepot . [ Incident : XXXX ] 1st installment due XX/XX/XXXX - {$2800.00}, 2nd installment due XX/XX/XXXX also for {$2800.00} I sent it to the email their call center told me to send it to. XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***XX/XX/XXXX - I paid first installment of supplemental taxes myself because I only had automated response from LoanDepot, no confirmation. I took responsibility for giving them short notice. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***XX/XX/XXXX - LoanDepot sent me a check for overage in escrow. {$2900.00}. This check would have been for a " slightly '' lower amount if they accounted for supplemental taxes in their escrow analysis. Turns out, they did not do their escrow analysis correctly despite having both supplemental bill from me and also the funds to cover it. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***XX/XX/XXXX - Supplemental taxes were due and LoanDepot did not pay them. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***XX/XX/XXXX - I receive late notice from county. And I sent an email to LoanDepot ( call center couldn't answer this ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***XX/XX/XXXX - They issue another escrow overage check to me for {$2700.00} instead of paying the county. Notice that despite them sending me overage check in XXXX, they still had a significant overage in escrow. Only {$16.00} short, if they had paid it on time. Now there is an additional 10 % late fee of {$280.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Considering I did my part by proactively sending the supplemental bills and also considering they clearly had the funds to pay for it, I am expecting loandepot to take responsibility for not paying the supplemental bill on time and I expect them to pay the late fee. But they argue there weren't sufficient funds which is just not true.
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

On XX/XX/2021, I sent a check for {$150000.00} ( check no XXXX ) to XXXX C/o Nationstar Mortgage LLC with a letter to apply that amount to my principle. The check was not cashed. I called on/about XX/XX/XXXX and was directed by the associate to put a stop on the check as lost. He connected me to XXXX XXXX XXXX XXXX and I did as instructed. 

On XX/XX/XXXX, I sent a second check for {$160000.00} ( check no XXXX ) by priority mail with a letter of instruction. It was received by Nationstar on XX/XX/XXXX. I have the postal receipt. That check has also not been cashed. 

I called again on XX/XX/XXXX to inquire about the progress of their investigation for the lost 2nd check. I was told by the associate that they can not locate the 2nd check either. 

I am concerned that there is the possibility of fraud or at the least gross negligence occurring. Both checks were written from the XXXX XXXX XXXX XXXX  account. XXXX appears to be the principal for their agent Nationstar Mortgage LLC. 

I want this matter investigated as to what procedures and policies are in place by both Nationstar and XXXX to prevent these occurrences and why they have failed twice to prevent this incompetence. 

I also want the name of an individual to whom I can direct certified mail in order to send a 3rd check.
Consumer complaint received 2021-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I have begin to look into my credit as because I am at the age where I need to focus on my foundation, so I see things on there I have never had or thought I could have because of my credit, there is a depth collection company that I can't get intouch with because when u call their line it gose right to voicemail, the one time I did get an answer the guy was like, '' what are you calling me for. '' I have called XXXX and the customer service rep was like The account has been sold what do you wants us the account has been sold so you mean to tell me you cant tell me anything about this account in which I owe a bill for and they are the only one that has any record of such cause in 2016 of XXXX the XXXX I was released from XXXX  went to stay in XXXX GA, got a phn from XXXX XXXX XXXX, then from there boost mobile and have been with that company for going on 4 years. So how do I get. Somewhere with this, I have rights and I know that somthing can be done, I don't have anything to give to anyone I have not had A service from. I have disputed the debt 8 times, they take it off put it right back, something about the regulation, and pretty much I am responsible but there is no way.
Consumer complaint received 2022-11-30
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: JPMORGAN CHASE & CO. (CA)

I have received a reply from CHASE credit card services from the Credit Service Specialist, XXXX regarding my " cfpb '' complaint ID XXXX. As of today, XX/XX/2022 my dispute of {$430.00} is not resolved. 

Here is the full description of my dispute that I have written back to CHASE. The problem is on CHASE, they did not correctly credited the disputed amount of {$430.00} into my credit balance. 

XXXX Cardmember Service Specialist XXXX XXXX XXXX XXXX, DE XXXX Dear Customer Service Specialist XXXX, This is to inform you that I have received your reply dated XX/XX/2022 regarding my dispute. As you said in your reply I should be able to see the credit of {$430.00} online in my account. As of today, on XX/XX/2022 I Did not see any refund of {$430.00} in my account. I have just downloaded the XX/XX/2022 Statement it does not show any correction of - {$430.00} in my CHASE Credit Card Balance. 

Here I have to summarize one more time to point out that the error is made by CHASE. 
Attached you will find copies of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 with my hand written notes. 

XXXX ) The XX/XX/2022 Statement : This statement shows the total purchase from XXXX XXXX XXXX XXXX as verified in your XX/XX/2022 letter. In addition, this statement also shows the amount of - {$430.00} was returned to XXXX XXXX XXXX XXXX. However, {$430.00} refund shown by XXXX XXXX  XXXX XXXX was not credited, was not deducted in my XX/XX/2022 statements total balance. The total balance that I owe to CHASE still bills me the full {$920.00} total purchase that I made from XXXX XXXX  XXXX XXXX. The balance of XX/XX/2022 statement should have been {$560.00} after crediting the {$430.00}. 
I have paid {$560.00} for my true /valid purchases that applies towards purchases made from XXXX XXXX XXXX XXXX before the XX/XX/2022 statements due date and leaving {$430.00} unpaid with an expectation that CHASE to correct the error and apply the amount of - {$430.00} on my credit balance. 

2 ) The XX/XX/2022 Statement : This Statement shows the payment of XXXX that I have made but never and never shows the amount of - {$430.00} which should have been credited towards my CHASE credit card balance. 

3 ) The XX/XX/2022 Statement : This statement still shows my unpaid {$430.00} which should have been credited by CHASE for the items returned back to XXXX XXXX  XXXX XXXX. As of this statement CHASE still did not credited the - {$430.00} to my balance. Instead it shows a credit of - {$50.00} leaving {$380.00} balance in account As a summary I do not owe any further balance to CHASE, instead CHASE owes me {$430.00}. 


Thanks for your attention in this matter. 
XXXX XXXX CC : Consumer Finance Protection Bureau
Consumer complaint received 2024-11-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (PA)

Sallie Mae continued to harass and badger myself and my co-signer I have been paying my loans for XXXX years with no issues and they continue to send out mass emails even tho XXXX loans were paid early It needs to stop
Consumer complaint received 2019-03-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. 

In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 

Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 

Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility.

I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. 

Please acknowledge that you have received this notice within 14 days.
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (CT)

This complaint is to report a violation of the Equal Credit Opportunity Act against US Bank.The facts are below : On XX/XX/year>, an application was submitted for a US Bank Certificate of Deposit, ID XXXX through customer service representative.As part of the application process, the representative ask if I was in military service, of which I responded 'yes ' as a service member. 
On XX/XX/year>, an application was submitted for the US Bank Smartly Visa Signature Credit Card and Savings account ID XXXX via online portal.Once submitted, my credit report was pulled as part of the evaluation process to establish credit. 
On XX/XX/year>, I received a letter dated XX/XX/year> requesting documents to confirm my identity.These documents include government issued photo ID, 2 years of tax returns, SSN, and 2 months of personal checking statements. 
On XX/XX/year>, all relevant documents totaling 160 pages were faxed over the number listed in the letter including driver 's license and military credentials. 
On XX/XX/year>, I received two letters from US Bank dated XX/XX/year> and XXXX letter dated XX/XX/year> stated that the authentication department could not verify my identity, therefore denying the establishment of the Smarty Savings account.The letter dated XX/XX/year> stated that I, as the applicant have been denied an account due to " ... previous poor experience with the credit grantor ... ' On XXXX a series of phone calls were made to extract more detail regarding the 'previous poor experience ' but to no avail.Calls to underwriting were fruitless as I was directed to the authentication department as they were the department that denied my application.The only previous business relationship I had to US Bank is through a credit card with Fidelity investments via XXXX XXXX XXXXXXXXPer my credit report XXXX this account was closed at my request and was current with no late payments, delinquencies or any negative comments.When asked what my recourse is, if there was an appeal process to reverse the decision, I was told that future application submissions will be denied, thus discouraging me from applying. 
Despite being candidate with excellent credit, I was denied credit even though I qualify based on my XXXX score and a long established 20 year history of on-time payments.The only basis of these multiple application denials are rooted to my military service.US Bank requested to know if I was a service member and I provided my credentials only for them to levy a discriminatory ban for credit/banking account services in violation of XXXX.
Consumer complaint received 2021-07-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2024-11-26
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A. (CA)

On the first of XXXX, I phone called XXXX XXXX XXXX about a collection notice saying that my scored had dropped XXXX some points due to a XXXX dollars collections owed to XXXX XXXX XXXX. I called made the payment and requested a copy so that I could show paid in full to the XXXX credit agencies as of today, after calling on two more occasion reporting that I never received an email as promised to show that I paid and so that I could send to the XXXX credit agencies to clear my record and to increase my score as I am trying to make a big purchase and I need my score to reflect the positive score that I had until. I was treated with utter disdained and disrespect from the individual who was on the phone. Even the manager treated the incident as if it was not important or did not require expediency by saying that they will send it but only I would have to wait 24 hours. After several weeks, 24 hours has come and gone and I still have not received an email nor any other form of communication from XXXX XXXX to reflect payment made. This is a request for a receipt for payment made for which I have performed my part to settle the payment in full yet, they have not provided me a receipt with a simple email. All three times I called I got the same run around with them saying, " our record show that you paid and we sent an email. '' I kept telling them no email has ever been sent from them since the first of XXXX and if it was I would not be on the phone with them talking because it would not be of a need. But they were all very non-chalant in their demeanor and I have yet to get a credible receipt for what I paid to show it was paid in full as promised. Therefore, I pray your office can stop this madness from this giant collection agency who represent XXXX XXXX XXXX. I will await to see what this office can do to intervene. These are trying times and if I, who owns a XXXX XXXX XXXX newspaper, is getting treated like this I pity those who are less likely to even follow through and lose everything due to collection fraud as XXXX. XXXX is demonstrating. Maybe they are too big to care. But I do and I hope the CFPB care about the people as an intercessor on our behalf. Thank you for your attention to this matter of importance.
Consumer complaint received 2020-03-08
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)

These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. Please delete these no good addresses that are not mines : XXXX XXXX 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, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-11-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (FL)

I received a phone call from an alleged lawyer from XXXXXXXX XXXX XXXX in XXXX XXXX. He indicated I was served which I did not receive anything and stated it is for a delinquent loan from XXXX. I am not familiar with this loan. I called XXXXXXXX XXXX XXXX And their office was closed as this was on a XXXX. I asked him to send me the documentation he stated that was already sent and he hung up on me. I tried calling him back and he hung up again saying I was a waste of his time. He said my bank account would be frozen XX/XX/XXXX. He did have my Social Security number my name and my current address. He said this was a consumer loan with city financial and I owe {$8000.00} from XXXX. This the number they called from : XXXX ( XXXX ) XXXX
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (GA)

M & T Bank has previous late payments on my account during the time I was in forbearance. According to The CARES Act, which was signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief. 
The reported me 90 late and 120 days late in XX/XX/XXXX when I had funds for the FHA that was used to cover behind payments of XXXX after forbearance. But they report me late.
Consumer complaint received 2019-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Auto Credit Corporation (SC)

on XX/XX/XXXX, My husband and I went to look at a used car from a dealer we have dealt with three times now. We drove that car away that day. The dealer advised he now uses US Auto Credit for lending and someone would be calling me to do a quick identity interview. This was done on XX/XX/XXXX as I have an email confirming I did this call. Prior to this I rec 'd collection calls to make my first payment which I learned was on XX/XX/XXXX before I even completed the interview and frankly didn't even know US Auto Credit was the finance company as the dealer just stated he uses a auto loan company now and we  didn't know the name. Since XX/XX/XXXX the dealership has had to replace the 45 day temp tag on my car several times ( over 125 days total now ) bc the Auto Credit company despite the dealer collecting {$400.00} for my tags and taxes has failed to provide me a tag or registration for my vehicle. I have made every payment until my payment due on XX/XX/XXXX until they provide me my tag, if they don't then the car will be going back to the dealer if I cant get it resolved here and subsequently removed from my credit and a refund of all payments made to the Auto Credit including taxes and tags will be returned even if I have to seek legal counsel assuming it cant be resolved here. Of note, I have had this vehicle insured since I drove it away on XX/XX/XXXX as a safety precaution for myself and my family and I will upload proof as well as proof that I have paid for the tags and taxes.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX, I checked my consumer report, In accordance with the fair credit Report act. 


15 U.S.C. 1681 section 602A- states that a person has the right to privacy. 
15 U.S.C. 1681 section 604A section 2- states that a consumer reporting agency ( CRA ) can not provide an account without written instructions. 
15 U.S.C 1681 ( a ) ( 5 ) Section - States no consumer reporting agency may have any consumer report containing any of the following information, other than the convention of a crime. 
15 U.S.C. 1681-2 ( 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. 
The following list of accounts below has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX