davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc. (MN)

On XX/XX/2023 the amount of {$900.00} was taken out of my account from XXXX merchant by the name of XXXX moble which I did not authorized. I contacted my Bank and they went through it but refused to give me my money. I have been on this for the past seven ( 7 ) months. This is my hard earn money and I will definitely want it back. My bank asked me to do a hand written that I did not authorize such transactions and I did but still I havent received my money. After making a follow up today I was again denied which is very bad I need my money. I hope the authority can look into this and let me have my money back because I worked hard for it.
Consumer complaint received 2023-12-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (OH)

Received a phone call from this number and they used a local number and they are based out of Pennsylvania. So immediately, they start off with deception practices. They man that called stated the debt was sold to them and that they basically were calling to collect on said bill. I have provided net credit with a POA from the payday loan debt company used to pay them through along with a police report of identity theft showing that the company I signed the POA was a scam. They took over {$3500.00} from me and stated they paid NetCredit. They also sent documentation that NetCredit agreed to the payment amount on the POA. When I contacted NEtCredit, they stated this was indeed not from them along with the payoff letter I received. I filed a police report and submitted that as well. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights15 U.S.C 1681b ( a ) ( 2 ) [ 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 data of an account without my written instructions. The company is falsely accusing me of owing them {$6200.00} for a {$2400.00} loan that has been paid off and NetCredit refuses to remove it from my credit report. They are in direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They may not contact me further because this debt has been pain in full.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

Chase bank has had on hold a check deposited on XXXX to my checking account for the amount of {$6300.00} because they say have not been able to verify the check with the law firm involved issuing it. I have called for 2 days Chase to provide them the number for the law firm to be contacted and verify all information needed and Chase continues to say that the numbers I provide are not accepted because are not in the list they have, keep in mind the numbers appear on the law firm website. Chase already has the funds ( processed the check ) because law firm confirmed it with the bank but they still have them on hold saying if they can not verify the funds they will close up my checking account and retain the check. 
Chase is not helping me with other options to get this issue resolved as soon as possible, they just say that the number they have for the law firm comes up as disconnected therefore they can not verify the check and release the money meaning they will also have to close up my checking account and flag me for fraudulent check deposit.
Consumer complaint received 2015-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MA)

Equifax, XXXX of the XXXX credit reporting agencies refuses to remove outdated information regarding a chapter XXXX dismissal that has been over 7 years. The XXXX other credit reporting agencies ( XXXX and XXXX ) has already removed this item. Equifax claims that their policy is 10 years for non-discharged OR " non '' dismissed bankruptcies, however I believe that several of their employees is not reading their policy correctly due to the writing of this policy. The outdated information on my Equifax report shows a Chapter XXXX that was dismissed in XXXX XXXX, 2007. It has been almost 8 years and still showing only on my Equifax report. There should be no reason why they can not remove it as the bankruptcy filed was never adjudicated. There has been indication that a handful of people have been able to successfully remove this same issue and it seems like it depends on the Equinox personel working on the case. Why is it so inconsistent and the company does n't seem to communicate their company policy with every employee. I have failed XXXX already so it seems like my luck is not on my side. Please help! Thank you!
Consumer complaint received 2015-07-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

I have been putting {$6600.00} in my escrow account annually which is a combination with my mortgage. My escrow has increased annually, but not the property taxes nor my house insurance. The property tax and my home insurance has came at an annual total of {$5400.00}, which is covered with my automatic deduction. I received an overage in the escrow only twice since I have own the home since XX/XX/2007 the mortgage company receives the same property tax and insurance statement as I do. I just need to know where is my annual overages payments, because nothing has rolled over to the following year. XXXX has transfer their mortgage account to XXXX different companies since I have own the house.I called OCWEN who is the current account holder and they told me they can only go back 12 months for analysis and they sent me a {$300.00} check after that call, but what about the other years of taking.
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (MD)

On XX/XX/2023 I sent a Bill of exchange payment of {$2000.00} by Restrictively indorsing the coupon they had sent me in the mail and sent this instrument to the payment address on the coupon which turned it into a check. ( image XXXX XXXX ) for tracking information. I then called on XX/XX/2023 to see if there was an update on my payment. They said they did not receive any form of payment and that it could take longer sometimes for them to process mail payments. I then called XX/XX/2023 to see if there was an update and they still said that they never received a payment and that I should send another check or that I could pay on their app. I told them that I saw that the payment was received at the payment address on my billing statement on XX/XX/2023. They told me that it might have got lost in the system or that they never received it. I then explained if you lost my payment then per UCC 3-603 the amount due must be discharged. They ignored this and said I still owed the debt even though I sent in a legal tender of payment. I then received a letter in the mail from U.S. Bank saying that I am still legally responsible for paying my account statement and a valid form of payment was a check. ( U.S. Bank mail XXXX ) I paid with a check and they are saying that my payment was not valid. I then sent U.S. Bank a Notice of Claim letter, which would be considered a tender of payment and security collateral for my application for my credit card account. ( U.S. Bank Notice letter ) I did this following the Federal Reserve Act section 16 which states that " In no event shall such collateral security be less than the amount of Federal Reserve notes applied for ''. I did not receive any communication from them. I then sent another Notice of Claim letter ( U.S Bank Notice letter XXXX ) with no response ( Image XXXX ) tracking information. They have also reported my non-public transaction history to XXXX, XXXX, and XXXX without my written authorization. U.S. Bank has been knowingly and willingly breaching their fiduciary duties and acting in bad faith per Federal Reserve Act Section 29. They are knowingly causing me substantial financial loss and reporting incorrect information to unaffiliated parties.
Consumer complaint received 2023-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (TX)

Today on XX/XX/2023 Ive received an email from my bank telling that Zelle a third party digital payment network is locking ( closing ) my account with them, I tried calling the number they provide for me to one  of my bank customer service but she can only tell me information I already knew so I went to one of their branch and asked for a banker, she managed to get me on a group call with one of the Zelle employees telling me again the same information with no detail and no reason as to why theyre terminating my account with the only explanation that it violated the terms and agreement which I have no idea which terms I was in violation of so Im formally filing a complaint because this company that Ive used for years decided to close my account without any cause or explanation, not even to notify/ give me a warning ahead of time of what action theyre planning to carry through with my account. This ordeal ended up causing me immense stress and inconvenience to me receiving payments on a biweekly basis so Im hoping some restitution can come from this whole situation Zelle caused me out of the blue.
Consumer complaint received 2023-12-20
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. (IN)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I never heard of XXXX but they are on my credit report 20 times.

I received a list of 21 XXXX loans that I have no knowledge of and are on my credit report. I have been out of school for 30 years and XXXX says I have loans since 2008. I have never heard of XXXX. XXXX says they sold none. I called and asked for proof & account numbers.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

- 15 USC 1681 Section 602 A. States I have the right to privacy - 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions - 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, 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 2016-01-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Bayview loans holds my Mortgage. It seems they are giving me the runaround and have no intention of approving any modifications. I submitted all docs required. I meet all requirements for modification as my income was cut in half due to retirement. I am 1 month behind because of them not approving this. they turned me down once and told me to reapply, reason they turned me down they said docs were not sent in on time. have papers to prove that is a lie. Then I reapplied and sent them XXXX pages of docs at XXXX time. Underwriter should have gone over all docs at XXXX time and if anything was needed send out XXXX correspondence with any questions. Instead just like the first time they send asking for XXXX thing than 3 weeks later another thing than3 weeks later another. It got to the point they asked for the same docs twice. I sent XXXX faxes to the CEO of Bayview to express my concerns and was never answered. My bank told me that they are doing this because they have to by the Government and this is their way of avoiding this. I need someone to step up and help me. there is a lot more about what has occurred with them. I have all papers from the first time I started this till now and they prove what they are doing to the consumer.
Consumer complaint received 2023-12-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Southwest Business Corporation (FL)

I requested assistance options in advance from my mortgage company since I knew I was going to be out on short term XXXX for XXXX weeks recovering from a c-section. I did this in advance on XX/XX/XXXX, my due date was XX/XX/XXXX. They denied my initial request of assistance or repayment options because I was not behind enough. They closed by request on XX/XX/XXXX. 

I then submitted a new request for assistance on XX/XX/XXXX because then we were behind. They denied us due to insufficient income, which come to find out was because they did not have our income in their system whatsoever. After XXXX or XXXX letters in writing and getting them to understand the breakdown of our income we were again denied. We received a denial letter on XX/XX/XXXX and some of the reasons included that our hardship duration is either long term or permanent. The Hardship was short term and temporary simply due to a XXXX and CSection delivery. I was only out of work for XXXX weeks and have since returned to work as of XX/XX/XXXX. I was on XXXX and temporarily receiving XXXX XXXX XXXX. This means I had a *Temporary* reduction in our income. I have been speaking with the VA on an ongoing basis. They have also emailed Cenlar ( XXXX Mortgage ) with a recommendation to put us on a Special Forbearance until XXXX so that we can repay the past due balance with a bonus and tax return we expect in XXXX. We were denied for an affordable modification due to our debt to income ration not meeting the requirement for the loan modification. They included the right to appeal there decision by XX/XX/XXXX. I sent them a XXXX page letter on XX/XX/XXXX as our intent to appeal and requested they clarify as to what the debt to income requirements are. I have been waiting and checking on this nearly every few days and all they did is close it on XX/XX/XXXX without any response to our appeal. We are now showing there is no longer a request for assistance on file and have a generic banner implying to apply again for another assistance request. hen tried just calling them and after a long holding time spoke with a representative who spent XXXX minutes going through disclosures and reviewing all the fees and payments I owe to hang up on me after he demanded payment and I asked him right back. Do you really think I am calling to make this payment right now? 

I do not know how to proceed, but I just took an hour out of my lunch break to deal with this to end up with XXXX results. 

I am attaching our latest denial letter including my appeal letter and a screenshot of our request history downloaded from their loan solutions portal showing the dates opened XX/XX/XXXX, which was just closed on XX/XX/XXXX without any further movement or response.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (GA)

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party, unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The companies never informed me of my right to exercise my nondisclosure option. Also,15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. These accounts are adverse items that are reporting without my consent which is against the law.

Furthermore, these adverse items also violate The Privacy Act of 1974 and 16 CFR 313. 
I sent a letter on XX/XX/XXXX exercising my consumer right to opt out and these companies completely ignored me and are continuing to furnish my personal information without my consent.
Consumer complaint received 2023-12-22
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

We had missed XXXX payments ( XXXX XXXX ) due to financial hardship and were about to close on the sale of the home in question. We had called PennyMac ( our lender ) asking them to not report the XXXX late payment for XX/XX/2023 because we were signing our papers on XX/XX/XXXX. The late payment was still reported even though the entire loan was paid off on XX/XX/XXXX. Now we are not qualifying for a new mortgage in a new city where we are financial secure and have tier XXXX credit.
Consumer complaint received 2023-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (NC)

I contacted Newrez several times to get information on how to recast my mortgage as my former house closed and I wanted to apply the proceeds to this mortgage to lower my payments. I was not told that I needed to complete a form or that I needed to have the account for XXXX  days before I could request this initially. I had also asked if there was a fee to do this and was told no. I sent the wire as instructed and called back in for more info ( as instructed ). When I called back in, I was then told of the requirements, the fee, and that I needed to sign a form. I did all of this and complaint was supposed to be submitted to waive the fee and allow the recast as I was almost to the XXXX  day mark. Then silence. I called in to hear that my recast would be complete on XX/XX/21 and that the fee had been paid. That was a surprise since I was told there wasn't one and it would be waived. I called in today only to hear that the reapplication of my payment had been processed, but the monthly amount of my payment had not changed. I was also told - on the recording - that the offices were closed in observance of the holidays.
Consumer complaint received 2016-01-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX {$1200.00} XXXX {$1200.00} - {$1200.00} - - - XXXX EF N/A XXXX XXXX XXXX XXXX {$550.00} COLL {$550.00} - {$550.00} - - - XXXX EF N/A XXXX XXXX XXXX XXXX {$200.00} COLL {$200.00} - {$200.00} - - - XXXX EF N/A XXXX XXXX XXXX XXXX {$91.00} COLL {$91.00} - {$91.00} - - - XXXX EF I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Have a savings account with Chase Bank. I was told I would be receiving a check for the balance of the closed account ~ {$8000.00} and nothing has been received. 

I was told I would receive a check for the balance of the account but there appears to now be no communication or remittance of the balance. 

The account may remain closed, I am merely looking for the funds to be issued to the address on the account by check ASAP to formally complete this XXXX