davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MN)

I am disturbed that you continue to list the voluntary dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the FCRA ( Fair Credit Reporting Act ) mentions nothing in Section XXXX relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. In the case of the voluntary dismissed bankruptcy in my file, it was never adjudicated or relieved and therefore must be removed.
Consumer complaint received 2019-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

On XX/XX/2019 I have moved money ($XXXX) from my cash app account to my linked bank account. Since I used cash app's instant deposit I paid the fee ($XXXX) so I only received XXXX, which was fine. Two weeks later on XX/XX/2019 XXXX was removed from my linked bank account by cash app without my knowledge or authorization. XXXX of my money was now missing. It was taken out of my linked bank account and was not returned or found in my cash app account. I got in touch with cash app support to report the issue in hopes to get my money back. I have been transferred to numerous amounts of people who did not understand this issue and kept telling me that the money was successfully put into my account on XXXX XXXX disregarding the problem that the money was taken out of my account two weeks later and I no longer have my money. When I emailed cash app support that understood my situation, instead of helping me they kept telling me to go to my bank. They told me that I had to dispute the transaction with my bank. I kept going to my bank and they told me they could not help me because cash app removed the money. Finally, my bank disputed the transaction in hopes cash app would help me. The bank followed through with the investigation and confirmed that cash app has rejected the payment of XXXX on XXXX XXXX and reversed the payment on XXXX XXXX. However, I never got my money back in cash app. When I informed a cash app support member of the situation they asked for screenshots and continued to tell me that the money was put into my account on XXXX XXXX disregarding once again the real issue. When I spoke to someone else they informed me that cash app has no record of this amount being taken out of my account on XXXX XXXX and they continue to tell me to speak to my bank. If my bank was able to figure out that cash app rejected and returned my money, then cash app has that information too and is unwilling to give me my money back. This has been going on for the past three months. I have attached the string of emails from cash app and myself, I also provided the information from my bank, and the screenshot from my statement showing on XXXX XXXX cash app took XXXX   out of my account. Please review all of the attachments.
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have initiated XXXX separate disputes with TRANSUNION for XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and TRANSUNION has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX address and sent them 2 letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!! 

XXXX XXXX
Consumer complaint received 2015-04-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (KS)

Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXReceived a house that I had been paying on since XXXX in a divorce, XXXX. The loan was sold in XXXX XXXX to Select Portfolio Servicing Inc with payments to begin in XXXX XXXX to them. The escrow for taxes and insurance was transferred to them at that time from XXXX. I made a payment in XXXX, XXXX and XXXX. The house was put on the market at the end of XXXX. The insurance was paid with escrow funds and the policy began XXXX XXXX. I sold the house XXXX XXXX XXXX. 
I contacted the insurance company and they told me they are required by law to refund the monies to the mortgage company but that I would receive a refund from SPS, Inc. 
I have contacted them multiple times as has my ex-husband for a XXXX for me as well as my refund. 
The last correspondence they were to fax the XXXX and send the refund. 
I have received neither. 
The loan is in the name of XXXX XXXX.
Consumer complaint received 2016-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I did refinance with bank of America, my loan is no escrow account according to the HUD. Now bank of America is collecting an escrow money from my account after i paid my taxes and insurance on my own. I m paying twice. I called several times and the issue not resolved yet, claiming they have a lot of guidelines and they cant just come and change it to no escrow. i ve been never late in payment of my mortgage or taxes.
Consumer complaint received 2015-11-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (RI)

My servicer left a blank envelope at my door with only the words confidential and an XXXX number to call. I called the XXXX # the same day I received this ambiguous notice. The rep advised me I was due for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my mortgage. I offered to make one full payment now for the following business day, with the entire balance of the arrears to be paid at the end of XX/XX/XXXX. The representative, and the supervisor that followed my conversation, both refused to take the payment because a demand letter had expired the day before. Instead, they are requiring the full arrears be paid now by secured funds ( XXXX XXXX or equivalent ). I specifically asked that if I had received the number and called yesterday would my payment have been accepted and I was told yes by both the agent and the supervisor. 
I advised the Supervisor that I was out of state tending to a family matter and the default notice they claim was sent was not received. Further, I called them immediately upon receipt of the door notice. Despite this, the supervisor and agent refused to take my payment and arrangement ( which I was willing to confirm both as payments by phone to secure the arrangement ). 
I am additionally concerned that my previous CFPB complaint regarding their practice of charging fees for payments and suppressing internet payment functionality may have adversely impacted their decision making process in this case.
Consumer complaint received 2016-03-31
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MN)

I applied for a reverse mortgage and was not understanding any of the procedures and most facts. I simply did not understand the ramifications or mortgage satisfactions. I needed to get rid of my mortgage payment as I was unable to make ends meet. I am aware of paying off my home mortgage for {$27000.00} which I believed was the mortgage I had. None of my XXXX mortgage satisfaction statements are in this amount. I also have satisfaction of mortgage statements for {$30000.00} filed as document loan # XXXX XXXX dated XXXX and recorded XXXX and notarized in Montana on XXXX. There is certificate of satisfaction of mortgage for {$33000.00} document # XXXX dated XXXX recording date XXXX ; and notarized XXXX XXXX XXXX Last satisfaction of Mortgage is loan # XXXX NM dated XXXX ; recorded XXXX and notarized in Montana XXXX XXXX. Also included is Schedule of liens for Home Mortgage of {$27000.00} and unknown Wells Fargo Bank lien XXXX for {$33000.00} of unknown date under schedule of Closing Costs. Dates and amounts of money are not congruent and it seems there has been some error or mischief involved with so many " satisfactions '' of mortgage which I do n't know anything about and need explained. At the time of closing I received a check for a little over {$20000.00} and my home had been assessed for {$150000.00} and my home mortgage was about {$27000.00}. It does n't seem to me that I received the correct amount of money. It seems that the amount is way too low. Enclosed also is a reverse mortgage statement of XX/XX/XXXX and a letter of confirmation of loan payment ; loan # XXXX that has no signature or amount. I have tried to understand the statement, phoned Wells Fargo and others and still do not understand it. I do not understand what has happened to me and need help in addressing the problems I still have with it. I have been suffering from inertia regarding this and am reaching an age where I feel I need my papers in order which they are not. Please help me.
Consumer complaint received 2015-09-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AK)

A default judgment for XXXX was entered against me because, the company ( portfolio recovery services ) asked the court to assume the debt was valid if I did n't respond within 30 days. I did n't, because I figured I 'd lose anyway. The amount I was sued for was a lot more than was spent on the card, & I had made payments before it defaulted. I have asked the attorney for billing statements to see the amount on it, but all I can get is the amount portfolio recovery services sent them that they said I owed. I would like to settle this for less than XXXX, but it 's been over 30 days since the judgement, is there anything I can do now?
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I looked and reviewed my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXXXXXX are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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 2016-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (DE)

In 2012, I moved from an apartment where I had FIOS Triple Play service to a home I purchased. I asked the XXXX representative before I moved would I be able to continue the triple play option at the new address and the representative said, Yes. However, when the technical attempted to install the service, cable services were not available. The internet and telephone services were available. Since I was interested in the triple play option, I called XXXX and notified them that I was cancelling the service. The representative instructed me on how to return the equipment and I received the mailing label to return the equipment and I returned the equipment as per the representative 's advice. In the meantime, I went with a competitor and was able to receive cable services and I thought nothing of the XXXX account until I was contacted and I was informed that I owed {$390.00}. in telephone services. I let the caller know that I did not have the service and I returned XXXX 's equipment and I canceled the service. Speaking with the collection agent was like " talking to a brick wall ''. They assumed that I was lying and I let them know that I was not paying for a service I did not have. In the interim, this charge is on my credit report and therefore damaging my credit score. 

The address I moved from ( XXXX 2012 ) - XXXX XXXX XXXX XXXX, XXXX DE The new address I moved to ( XXXX 2012 ) XXXX XXXX XXXX, XXXX, DE If an investigation is conducted, it is fairly easy to find out whether or not the services were available during this period.
Consumer complaint received 2015-07-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lustig, Glaser & Wilson, P.C. (MA)

I receive at least 10 calls a month for a XXXX XXXX for a debt that he owes. My last name is XXXX. There is NO XXXX XXXX living at my residence, in my family or even a friend. I have been instructed by a electronic voice to hang up if I am not XXXX XXXX. When I do, they continue to call. I have called them, they have apologized and said my number would be taken off the list. It has not. I am being harassed by these people and would like the calls to stop.
Consumer complaint received 2015-09-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

A few years ago I was heavily solicited by a Wells Fargo mortgage consultant, XXXX XXXX, to refinance a rental property I own in XXXX. I explained to her on several occasions that I had no interest due to the changes in mortgage insurance ( 1.2 to 1.55 % for the life of the loan vs XXXX until the loan reached XXXX loan to value ). She continued to aggressively pursue me stating that I can do a streamline FHA and not change my MI. Stating, " There are a lot of people who are n't familiar with this guideline since there is very few people fit the criteria. '' On multiple occasions I explained to her that I do n't like surprises and to fully disclose. She specifically told me that there were no gotchas and once I reached XXXX loan to value I could call Wells Fargo and drop the mortgage insurance. 

A couple months ago I reached out to Wells Fargo to drop the MI and they told me that when I refinanced my loan that the time period in which I would be required to keep mortgage insurance was extended by 5 years. Thus, costing me XXXX of dollars. I have been fighting with them for months and they are unwilling to help until I threatened to contact you, CFPB. 

Here is my complaint:1 ) Had they fully disclosed the timeframe in which I had to keep MI I would have been able to make more informed decision. Likely would have written a check to get the loan to XXXX to prevent this or forgo the loan entirely. 

2 ) My original loan was with Wells Fargo and my refinance was also with Wells Fargo and mortgages are a very complicated financial instrument. How can we allow firms like this to do predatory soliciting that is n't in the best interest of the consumer especially post 2008? The mortgage consultant had access to my old mortgage and knowingly convinced me to refinance even though it was n't in my best interest - thats should be fraud. 

I have email that I have kept regarding this conversation with the Wells Fargo 's, XXXX XXXX, if needed.
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (FL)

XXXX transferred the servicing of my mortgage loan to Selene Finance, effective XXXX XXXX, 2015. I immediately started receiving statements where they had added in all types of extra fees and charges. I tried calling Selene Finance to discuss my mortgage and have had a difficult time reaching anyone. When I finally did reach someone, I was told that they could not discuss anything with me because XXXX had not sent them all my paperwork. This is outrageous. Selene Finance has possibly the worst customer service of any company I have ever deal with. The phone is always busy when you call, many times you 're placed on hold and the call gets disconnected. I have read horror stories on the internet of other homeowner 's experiences dealing with Selene Finance. I 'm shocked that this company is allowed to do business. In addition to this complaint, I 'm also filing XXXX with the XXXX Attorney General, the XXXX Department of Banking and the XXXX Department of Banking.
Consumer complaint received 2015-05-01
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc. (MA)

I owed this debt which I have paid after they offered a settlement. After the amounts was paid and check cleared I have still been receiving phone calls. I called them twice and spoke to XXXX different people which both have said the account was taken care of and a letter will be sent out to confirm the debt has been settled. I have not received that letter yet, credit reported not yet updated, and the calls still keep coming in. The XXXX people I 've spoken to said the calls should stop, but they have not and they do not know why.
Consumer complaint received 2015-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

The resolution of the previous complaint was in my favor, and equifax reported the proper XXXX balance on my credit report. However, I checked my credit report again, and the original incorrect balance is posted back up again, three months later. Apparently, equifax forgot that they agreed to report the proper balance of XXXX dollars. I want this fixed as soon as possible, with the same resolution ( XXXX balance reported and not currently charged off ). 

Original Complaint is as follows : " Fell behind on debt, and XXXX issued me a 1099-c and forgave the debt. Included 1099-c forgiven debt as income on taxes 3 years ago. Recently, this supposed debt to XXXX popped up on credit report. There was a past due balance on the credit report. Filed disputes with all three credit reporting agencies, and after several disputes and sending all of them a copy of the 1099-c showing that the debt was forgiven, both XXXX and XXXX changed my credit report to properly reflect a XXXX balance on that account ( XXXX still refuses to stop reporting a balance on the debt to all XXXX reporting agencies, even though it was forgiven ). However, Equifax has refused to make the appropriate changes even though I have submitted all the information and the copy of the 1099-c. Equifax told me over the phone that they basically report anything that XXXX tells them to, even if it is false information. They said they could not change the report, even when there is concrete evidence that the debt was forgiven. This is absolutely not true. I warned Equifax that if the information was no updated accordingly ( Equifax has a legal duty to report the truth after their investigation, not just anything that XXXX tells them to, regardless of veracity ), I would contact the CFPB, and they would be able to sort this mess out. I have documentation of the 1099-c, a copy of the letter I wrote them, and a copy of the Equifax investigation result, which did not change anything. ''
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TN)

I have sent numerous of certified letters to Equifax concerning the block that has been added to my consumer credit file. After trying to receive credit, I have been told that I have been denied because there is no reporting on my Equifax credit report. I than contacted Equifax by phone and explained to them that I am having problems with creditors who I have applied for credit with are telling me there is no findings from Equifax reporting. I than was told by one of their employees that, there is a block on my credit file and if I wanted to apply for credit, the creditor would have to call them around their business hours and then and only then will they release my credit information to them. I told the employee that they could n't do that and it has caused several inquiries on my credit report before I was told by one of the creditors that they are not showing any credit file on me from Equifax. I was then told even if I wanted to view my own credit file, that I would also have to call in to receive it. I then went on free annual credit report this year 2016 and were told that they could not release my credit report from Equifax until I send in a copy of my identification. Every year that I have been freely receiving my credit report from all three credit bureaus, Equifax is the only one I have to keep sending in documentation to. I did receive a response back on XXXX XXXX, 2016 stating and I quote " Currently there is not a 90-day freeze reporting on your credit file. Currently your file is being handled in the Office consumer affairs. Any and all concerns will be handled by the office of consumer affairs. The file was " Randomly '' picked for quality purposes. We want to make sure we are assisting each consumer according to OUR policies and Procedures. The file will remain in the office of consumer affairs indefinitely at this time '' I want something done concerning this issue with Equifax. I want to file a lawsuit against them I have lost sleep, headaches, unnecessary inquires on my credit report because I did n't find out what the problem was until a later date. I want to also file charges against them and need to know how do I move forward. Hope this is a start in getting some type of relief from this nightmare. I have also been DENIED ALL XXXX CREDIT REPORTS THAT I TRIED GETTING FOR MYSELF WITH : XXXX XXXX www.free annual credit report.com Thanks
Consumer complaint received 2016-01-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (HI)

Chase bank closed my account without any reason at all. When I asked them to give me a reason, they stated they do not need to give me a reason. This is an account that I opened in the branch, with all docs they requested of me. It is a business checking account for the NON-PROFIT CHARITABLE FOUNDATION that I started about 5 months ago. I have several other accounts at Chase - personal checking and savings, business checking and savings. They chose to close the account for my charitable foundation unilaterally and told me repeatedly that they do not need to give me a reason. I am not involved in any kind of illegal activity, or even any kind of activity that would be considered questionable. My charitable foundation is a membership organization that pools funds every month from members and donors, and writes a check to a recipient who needs the money due to medical bills, job loss, etc. I ca n't believe they would do something so heartless.