davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IN)

My mortgage is serviced by XXXX XXXX XXXX and they foreclosed on my property on XXXX. The last mortgage statement from XXXX, I owed {$92000.00} at the time of the foreclosure. My property sold for {$130000.00}, so there is a sizable overbid available. XXXX has refused to issue their final lien amount to the court, even though many requests have issued regarding this. I have an attorney representing me on the overbid claim... it is clear that XXXX is stalling to try and over collect on the balance due. They are trying to strip away the equity left that is due to me!
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Experian, Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Re : to Remove Inaccurate Credit Information To : Whom It May Concern ; I received a copy of my credit report and found the following item ( s ) to be in error.

Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX XXXX XXXXrs XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter. 
Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I been a XXXX with Webster bank now for years and a month ago I had a name change. Well I didnt go to my normal bank I went to XXXX XXXX branch. I passed my XXXX  and debt cards which was my old one. I stated heres my new one I had a name change. She refused to give me my old card back also my XXXX and new debt card after I was looked at like I wasnt a member of their bank. Well I left and next day go to use my card at atm and my account has been closed with my permission or any explain! I am very upset
Consumer complaint received 2022-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc. (TX)

XXXX XXXX XXXX is trying to collect on debt not owed. We completed our lease and never signed any renewals. We were given a refund for deposit at the time we moved out. When asking XXXX at XXXX XXXX XXXX to provide copy of lease and full payment history she said she did not have to provide. I explained they have a billing error and she advised I had to discuss with XXXX XXXX but the collection agency is telling me to contact original creditor. This debt does not belong to me and is invalid. Both the collection agency and original creditor have been given over 120 days to provide validating documents and not one shred of evidence supporting the amount they are trying to collect has been provided. This need to be deleted from my credit and the account needs to be closed as this debt collection is invalid.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

For months I've been severely affected by the two items in my XXXX XXXX XXXX and Citizens Bank When I contacted Citizens I provided my FULL SOCIAL to verify the alleged account ending in XXXX with the alleged amount of {$430.00} and verify it so I could make plans to resolve it ( since the account was still owned by them ) they could not find any record of said account that is reporting NEGATIVELY and defaming my character via XXXX XXXX. 
Yesterday XX/XX/2021 I pulled my account and it's still there. This is inaccurate and frivolous they can not find the account, it should not be reported, also there is no " closure status date '' for Citizens and there is one for XXXX this is INCOMPLETE. I do not agree with this. 
This defamation of character is hindering my ability to open bank accounts and better my future for my children and me.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

We recently made two charges on our Chase Freedom Unlimited to pay someone using XXXX. Both charges were assessed a {$10.00} " cash advance '' fee. I complained to Chase, and they refunded one of these charges but not the other. Chase does list a {$10.00} cash advance fee on the page that lists fees for the card : XXXX XXXX XXXX However, there is nothing on that page that suggests that XXXX or similar services count as a " cash advance ''.
Consumer complaint received 2022-12-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (PA)

On XX/XX/XXXX Sunwest mortgage pulled my credit report. I applied to them because XXXX XXXX stated that I had XXXX days after my credit was pulled on XX/XX/XXXX by another mortgage company. I did not authorize Sunwest Mortgage to pull my credit again. They stated that I signed an electronic form authorizing this but I did not. I was under the implied impression that my credit pull from the XX/XX/XXXX would be used. They will not contact the credit bureaus to remove this inquiry for the reports. This is fraud because I didnt authorize this and I even told them that I did not.
Consumer complaint received 2019-01-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

This is a continuation of the issue as detailed in complaint # XXXX.

After requesting a debt verification in a physical letter on XX/XX/XXXX, I received a phone call from someone claiming to be a representative of IQ Data International also operating as XXXX saying that they were aware of my request to verify the debt, and that they had attempted to collect a debt after the dispute was received, and they knew it to be already paid before any attempt to collect.

The representative promised to send a written response to my debt verification indicating that they had acted improperly and in error, and that the case had been closed.

To date I have not received a verification of the debt or the written response that was promised despite the deadline having passed.

IQ Data/XXXX is now refusing to respond to my communications.
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (CA)

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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX 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 an 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. 1681 s-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 2022-12-12
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: Experian Information Solutions Inc. (DE)

It has now been over 30 days since I sent my dispute letters regarding the late payments, I recently discovered on my credit report. The accounts are as follows : XXXX XXXX XXXX XXXX account # XXXX : XXXX ( 30 days late XX/XX/XXXX, XXXX and XX/XX/XXXX ) XXXX ( 30 days late XXXX and XX/XX/XXXX ). 


These three major bureaus are in direct violation of my rights and I am seeking legal action.
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Card Acquisitions Group (MI)

XX/XX/XXXX I Was XXXXXXXX XXXX XXXX XXXX  Texas. I Rented some Furniture through a Rent to Own Place. Not long after the company went out of business. 
On XX/XX/XXXX i Was XXXX  XXXX from XXXX XXXX and started receiving XXXX from Social Security. 
in XXXX i was contacted by the original creditor XXXX XXXX XXXX XXXX and explained to the i was on XXXX. and the people on the phone at the time didn't seem to care they were very rude and pushy. telling my they didn't care how i come up with the payment just as long as i came up with it. 
Here it is 15 years later and the collection agency is still trying to collect some how. even though they have NOT sent me any notices in the mail or tried contacting me in any way, this debt is still on my credit report and it is severely damaging my credit. i wish to have it removed and my credit restored at once,
Consumer complaint received 2022-12-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

On XX/XX/2022 I attempted to submit a request for Validation and Debt dispute. 

I have XXXX  and speaking on the phone to people causes me XXXX, I decided to use the chat feature and I found myself talking to a customer service agent who refused to acknowledge my request or document it on my account.
Consumer complaint received 2022-07-02
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: Self Financial Inc. (TX)

XXXX and SelfXXXX apparently did an Hard inquiry on my credit report without my permission.

Common violations of the FCRA include : Pulling your report for an impermissible purpose. For instance, viewing a credit report to determine if you have assets before filing certain kinds of lawsuits.

Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, such as determining if you are collectible in a lawsuit, an employer pulling the report without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial activity.

Screenshot attached.
Consumer complaint received 2024-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Onity Group Inc. ()

My home loan was originated with XXXX XXXX XXXX XXXX XXXX My loan was sold to PHH Mortgage Company in XX/XX/XXXX. I sent my first payment to XXXX XXXX since I received the notification of transfer after I sent my payment XX/XX/XXXX. I sent XXXX payment XX/XX/XXXX. I send my XXXX payment XX/XX/XXXX and my XXXX payment XX/XX/XXXX. When I called to make my XXXX payment, I was notified the XXXX payment was not received and I was past due. I was told by a PHH representative they did not receive any funds. I paid my payment for XXXX XX/XX/XXXX and spoke to a representative concerning the check written XX/XX/XXXX that was electronically deposited XX/XX/XXXX and that there was a payment received, although the electronically deposited amount was {$900.00} less than the amount of the mortgage. The funds that were electronically deposited were applied to principle, although I never ask for this and when I asked where the XXXX was, they denied receiving any funds. After a very length conversation, I was asked to email a carbon copy of the check I had written, and their research department would investigate this and possibly revers the fund being applied to principle. I send a carbon copy of the check, proof of electronically deposited funds from my bank statement to the email given to me XX/XX/XXXX, which did not work. I reached out to XXXX XXXX with XXXX XXXX ( originating loan officer ) XX/XX/XXXX to notify him of the struggles I am having with this new mortgage company. XXXX XXXX quickly called me and has assisted me with getting an accurate email to send the requested information to and this was sent XX/XX/XXXX. XXXX XXXX assisted with starting the process to refinance my mortgage. XX/XX/XXXX I had communication with XXXX XXXX concerning PHH saying I was greater then 30 days late on several payments and I was unable to refinance until this was rectified. XXXX XXXX and I called PHH to address these issues. We did use an escalation manager and after a lengthy conversation I made a payment of XXXX to cover the {$900.00} from the XXXX payment and the {$2000.00} was applied correctly and this also included my XXXX payment. PHH agreed to reverse the 30 days delinquent notice on my credit and charged me a {$340.00} late fee. XX/XX/XXXX XXXX XXXX and I called to address the late fee charge and after a lengthy conversation they credited {$50.00}, but would not reverse the fee. I made my XXXX payment XX/XX/XXXX. I received my XXXX statement and there is an additional {$65.00} total new fees and charges, {$30.00} Assessed expenses charge and {$230.00} ; Outstanding Unpaid Late Charges, Returned Items Charges, Shortages and Other Fees. XXXX XXXX and I called again to inquire about all these additional fees and charges. We were told the {$30.00} assess expenses charge was for a third party to drive by my home and ensure I had not caused damage to the property and there was zero cooperation when addressing these continued fees and charges.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (DE)

I was added as a co-owner on the account on XXXX and set up with online banking. When trying to do a XXXX transfer from M & T checking account to XXXX XXXX  XXXX account, the transaction would not process. I contacted M & T fraud dept on XXXX as instructed by email that I received on XXXX. I was advised that I needed to change the phone number I assigned for XXXX to my email since I was already using my cell for BOA XXXX. After changes were made, I was still unable to transfer funds. I called M & T fraud back and was instructed because of the original account owners age, I would need to provide Power of Attorney. 

I was added as a co-owner by my mother on XXXX in person with a XXXX XXXX XXXX who asked my mother at the time if she wanted me on as co-owner or POA. 

The fraud agent refused to approve a small transfer even though I am a legal account co-owner as of XXXX. I understand the need to protect customers from elder abuse but to block transactions based on someones age rather than mental capacity is discriminatory. My mother is starting to have vision and mobility issues which is why I she added me to her accounts so I could pay her bills online and I could transfer $ from her M & T account to my XXXX account to pay me back for her grocery shopping etc instead of continuing to write me checks.
Consumer complaint received 2020-07-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Cease and desist sent XX/XX/2020 and certified as delivered to debtor on XX/XX/2020 was violated by repeated, harassing phone calls on XX/XX/2020 ( XXXX, XXXX, XXXX ).
Consumer complaint received 2022-12-08
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: Fidelity National Information Services, Inc. (FNIS) (GA)

The Fair Credit Reporting act 15 USC 1681 law, mandates that rights of a consumer be respected. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality in relation to the LAW. 

1. Date of Closure : XX/XX/XXXX XXXX # : XXXX 2. Date of Closure : XX/XX/XXXX XXXX # : XXXX 3. Reported XX/XX/XXXX ACCT # : XXXX 4. Reported XX/XX/XXXX XXXX XXXXXXXX XXXX LATE PAYMENTS 5. Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS 6. XXXX  XXXX XXXX LATE PAYMENT Hard Inquiries 1. XXXX XXXX XXXX Inquire date XX/XX/XXXX 2. XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX XXXX XXXX Inquired on XX/XX/XXXX 4. XXXX Inquired on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX All soft inquiries All home addresses Wrong Names These accounts, home addresses, hard inquiries, and wrong names have violated my privacy rights. 

15 U.S.C 1681 section 602 A. States that I have the rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : That No consumer reporting agency may make any consumer report containing any of the following items of information, a ) any other adverse item of information b ) 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 2022-12-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Lil' Wave Financial, Inc. (CA)

My loan is with Superior Loan Servicing. I fell behind my payments and made contact immediately with them. I applied for a loan modification but never was I appointed some one or a single point of contact to discuss my petition for assistance, I was just told my application was declined but no reason why. I now borrowed the money in order to catch up but the lender or servicing company, SLS, is charging me an additional {$7000.00} dollars and the interest because I fell behind my payment went from 9.990 % to 17.990 %, increasing my payment from {$3000.00} to {$5300.00}. Now that the money I borrowed does not cover the excessive fees and charges I contacted the California Mortgage Relief, submitted my application, but I got an email from the program stating that my mortgage servicer is not currently participating in this program. that under current program guidelines they can not continue to process of my application if the servicer is not participating. My application is on a " on hold '' status for 30 days. If the servicer joins the program before the end of that period, they will update and reopen my application for review. I feel this is predatory lending by SLS and their only interest is to auction my property. This is a matter of extreme importance to me, I do not want to lose my home and be homeless. I was already a victim of predatory lending when I purchased the property, as the loan officer initially asked me for a low down payment but ended up paying XXXX dollars as a down payment and had to borrow money from the agent in order to close my purchase. This is the reason I have no other savings or resources to pay my mortgage and fell behind my payment as of XXXX of this year. Thank you for your collaboration.
Consumer complaint received 2022-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am a XXXX XXXX XXXX, I have an account with Merrill for company share awards. On the XXXX I sold some shares hoping to transfer the proceeds to my XXXX bank accounts. I use a company calle XXXX that gives me the ability to receive ACH and Wire account transfers in the XXXX. Merrill refuse to allow me to transfer via ACH and they charge {$7.00} for wire transfers ( I also have to pay for recieving the wire transfers. ) I contend that this is anti-competitive to arbaterally restrict the use of ACH transfers so that they can collect fees for wire transfers.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Several months back I got a call from who I thought was a chase employee. They stated someone had made an unauthorized XXXX  disbursement out of my sons acct and the only way to correct it was to send a XXXX  payment to myself. So I did. This was a scam. The {$2000.00} was taken out of my sons acct. I had to borrow the money to repay him. I contacted the bank right away. They denied my claim. They stated since my so. Had a school acct under mine, I was an authorized signer on his acct.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.