davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (OR)

These companies have reported incorrectly to my credit reports for years. Theyre only reporting negative information. It is a violation of the federal fair credit reporting act to discriminately report ONLY NEGATIVE INFORMATION!!!!!!!!! I have filed multiple complaints, multiple disputes and theyre response NEVER EVER EVER ADDRESSES THE COMLAINTS OR THE DISPUTE, and comes in the form of a form letter that says what theyre reporting is correct! How is this legal and how is the ok to do to people? This has got to change or I am going to the attorney general, and my state officials. The CFPB has done nothing to assist in the matter as well so as an exercise in futility and to improve my finger to screen speed, here I am filing yet another complaint against these companies. If it has not been stated clearly yet, the companies ARE DISCRIMINATELY ONLY REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORTS! Do I need to cite the actual law regarding this or do the cfpb and the people who receive the complaint at the creditors office actually know that this is not legal and violates the law?
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2018-04-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

I filed a complaint number XXXX, and US Bank rsponded but,. I had three lending specialist who reviewed the correspondence ( Two loan officers and one processor ) seem to take issue with your response in the following areas You claim that your impound department relied upon the county tax record to review my taxes for accurate amounts and balance. I find this interesting as your loan department clearly knew that this was a refinance loan and the purchase price was also a matter of public record. I also find it interesting that your impound department didnt question a XXXX   loan on a property valued at XXXX. I understand that the supplemental tax bills are not sent to the lender, only to the borrower, however one of the loan officers I checked with told me that after 30 days, the supplemental taxes are computed and placed on the tax bill. He supplied me with such a notice which I am attaching for your review. Surely your impound department would have seen the increase and been able to accurately accounted for the correct tax amounts. I agree with you that they origin of mis-information was with the originator, who I now understand was not US Bank, but I hope you understand what an imposition this has been on me to know that I was misled into believing that these matters were taken care of, only to be hit with such a large discrepancy.

While I do not claim to be ab expert on Impound account reconciliation, it strikes me as odd that : Your impound department did not catch the discrepancy between the property tax amount and the amount they confirmed with the countys tax department.

Your impound department didnt calculate the {$490.00} tax amount based on the purchase price of the home or for that matter question the decrease in the tax amount on the loan application or XXXX from the loan officer who originated the refinance.

These discrepancies have caused me a great hardship and may force me to sell the house altogether. I would have thought this is something your bank would have wanted to be on top of. I certainly would have made different choices had I been informed at the time of the refinance what my payment really would be. Believing that it would be {$400.00} dollars less, I made choices which have led me to this point.

As for the relief, I find it difficult to take on all of the blame for the miscalculations of the impound department and the deception of the loan officer from the other company. I am not an accountant and as such am not expected to know when a discrepancy of this magnitude is made. Your employees I assume, have some accounting background. Im told that loans must meet certain guidelines to be originated and purchased. Im curious, with the income I have and the payment of this new loan, did I meet those guidelines?

Please reconsider XXXX XXXX
Consumer complaint received 2018-12-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Kashable LLC (FL)

I went to kashable.com and filled out my address social security and other personal information and then they blocked me from accessing the remainder of the application. They then emailed me and asked for a copy of my drivers license and social security card and then after I sent it they immediately denied my application before I could finish it by sending me an email telling me that I been denied before I even completed the application.
Consumer complaint received 2018-04-05
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: DISCOVER BANK (TX)

I opened a Discover credit card account in 2009, and have been getting charged every month for payment protection without my consent. I called, and also noticed that there have been lawsuits with Discover card over this very thing. Discover said it will only reimburse me for the past 6 months and not a penny more. They have illegally taken thousands of dollars from me since 2009. Looking at forums, it appears that others have been reimbursed their full amounts.
Consumer complaint received 2018-12-03
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: JPMORGAN CHASE & CO. (NJ)

I was told on the phone from Chase by XXXX on XX/XX/XXXX XXXX that transferring my credit line from one card to another world NOT pull my credit or go on my credit report. I am now seeing that on my credit report and I think it should be removed. I received false information
Consumer complaint received 2018-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (CO)

Compass Bank approved me for a loan modification in XX/XX/2017. I asked them for a break down of the numbers to show how them came to the balance owed for the loan modification document. They stated that I would see the numbers when I signed the loan modification paperwork. I went to the bank to sign the modification papers and review the figures. All the bank had was the modification documents. I called the department I had been dealing with and could not reach anyone. I went ahead and signed so as to not lose my home and continued to try and get the numbers from Compass Bank. I never received the figures and when I received my first mortgage statement it showed my first payment due in the amount of XXXX and stated we have referred your account for foreclosure. Again I call and can not reach anyone. I went to the local bank and they said there is nothing they can do nor could they take my payment that I agreed to on the modification papers. This continued on month after month with my payment going to XXXX and each month just kept going up and I couldn't get any help. Then Compass Bank starts foreclosing on my property. I emailed Compass Bank 's attorney and they could not help nor would Compass Bank. They said apply for another modification. They would not even address the questions nor the issue. Then I sent in the request for loan modification just to save my home and XXXX XXXX states its too late I needed to pay thousands of dollars XXXX or XXXX I can't remember because she kept changing the figure or they will not move the sale date. Still not addressing the payment issue. Therefore I had to file Bankruptcy so as to not lose my house,
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (RI)

My spouse and I called Shellpoint Mortgage approximately XX/XX/XXXX as we behind 2 months on our mortgage due to me recently being diagnosed with XXXX XXXX. We advised Shellpoint that this was a temporary setback and asked if they have any assistance programs. We were recommended to apply for a modification by the loss mitigation department. We were told a packet of paperwork would be sent out, and we were assigned a point of contact being XXXX XXXX XXXX Ext. XXXX. 

In the meantime, we did receive the modification paperwork that was time-stamped as being mailed to us on XX/XX/XXXX. However, we also received 4 letters demanding the past due payment amount of {$2900.00}, dated as being mailed XX/XX/XXXX, and an additional 4 certified Notice Of Default And Intent To Accelerate letters dated XX/XX/XXXX. 

To date we have reached out to our point of contact XXXX XXXX, and have yet to hear anything in return. Our modification packet was filled out and mailed to Shellpoint Mortgage on XX/XX/XXXX, and we followed up with a phone call advising so. 

Our fear is that we have had almost zero contact with Shellpoint Mortgage since our mortgage was transferred to them from Bank XXXX XXXX in XXXX, until now. And now, only since we contacted them asking for assistance, have we suddenly received letters of default and intent to accelerate letters. It seems like Shellpoint Mortgage is attempting to duel track by offering to assist us in applying for a modification while at the same time, proceeding to move forward in the foreclosure process by sending past due letters and intend to accelerate letters. Since mailing our modification packet and required paperwork back to Shellpoint Mortgage, nobody has yet contacted us.

As a side note, some of this struggle began when our mortgage was transferred to Shellpoint Mortgage last year. We were pomised a welcome packet including where and how to make payments. However, it took an excessive amount of time to receive any information from Shellpoint Mortgage.
Consumer complaint received 2018-04-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I inherited the property from my brother and the title was transferred/closed in my name. The mortgage payments were {$450.00} per month XXXX XXXX. The taxes, insurance, mortgage was in my name. I paid the mortgage without a problem. The loan was transferred to SPS servicing in my name and I continued making payments. I received a notice that my payments would be increased to {$1300.00} XX/XX/XXXX for increased property taxes. I attempted to work with SPS to resolve this issue and was told I could modify the loan. I begin the modification process, ( paid {$1300.00} XX/XX/XXXX last payment ). Suddenly in the middle of the process SPS refused to communicate with me stating I did not have own the property. All my telephone calls, emails, and a complaint letter went unanswered for months. I hired an attorneyXX/XX/XXXX and SPS would not return his calls. My ownership was never challenged with XXXX XXXX or SPS until I attempted to modify my loan. Meanwhile SPS started foreclosing. My complaint is SPS purposely refused any communication with me from XX/XX/XXXX to now to purposely foreclose on my property. I am a disabled senior living in the property. I need help to resolve this matter.
Consumer complaint received 2018-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I initiated a credit investigation with XXXX  and Trans Union back in XX/XX/XXXX. We're now into XX/XX/XXXX, and I have yet to receive the results. I was supposed to have them inside of 30 days.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX is reporting inaccurate information on my credit file. They are reporting two lates for XX/XX/17- XX/XX/17 and I have NEVER been late. XXXX XXXX made it very clear to us if we get any lates they would come and take our furniture, so we made sure our payment was made on time each month. We still have the furniture.
Consumer complaint received 2018-04-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (AL)

I have disputed XXXX  XXXX XXXX on several times with all three credit bureaus. The last dispute was on XX/XX/XXXX. The above collector States that the alleged accounts are accurate, but haven't sent any documentation to show that the accounts are valid. The Collector XXXX have no right to subrogate themselves in to a contract whether it's by purchase, assignment, transfer, or trade. XXXX is a third-party debit collector I didn't sign any contract with the above collector. I'm asking for the Collector to remove/ delete all alleged collection accounts from all 3 credit bureaus. They are in clear violation of Level 3 HIPAA subtitle D ARR be section of 13407 ( 1 ). No Permissible Business Purpose. The Collector has no right to collect anything from the alleged debtors without my consent / signed contract. The accounts that I'm requesting to be removed from all 3 credit bureaus are the alleged Account # XXXX with a balance of {$1100.00} & the alleged account # XXXX with a balance of {$35.00}. I'm asking for both collections be removed/ deleted from my credit report. I have no knowledge of either accounts. XXXX keep saying Accurate but haven't proven or sent any documentation with any information or a signed contract giving XXXX consent of permission to to have anything pertaining to my medical records on the alleged collection accounts. I don't have a valid contact with XXXX. It's against for any person Medical documents to be shared by without consent or a signed contract. Especially with a Third-party debt collector. If XXXX doesn't remove all accounts immediately I will be filing a formal complaint to the DHHS ( Department of Health ) and Human services, also OCR ( Office of Civil Rights. I have also ask the Collector to verify that they are licensed / Bonded to collect any debt in the state of Alabama but they refuse to verify that as well .They ignored that request on XX/XX/XXXX. I feel my Rights are being violated. No I'm not a lawyer or have all the degrees that they have but I works harder than anyone at XXXX. It's wrong and I Know my rights. I have no knowledge of these alleged accounts and I want them verified ( signed contract ) giving XXXX permission to have any alleged Medical documentation that belongs to me. I'm demanding all alleged accounts with the accounts numbers above be removed from my all 3 credit reports immediately.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is reporting inaccurate information on my credit report. XXXX XXXX was included in our Bankruptcy and they are reporting a balance. This is in clear violation of the BankruXXXX XXXX XXXX  Docket # XXXX & Docket # XXXX
Consumer complaint received 2018-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XX/XX/18 I utilized My USAA checking account to purchase concert tickets from a seller for {$520.00}. The seller requested the transaction go through XXXX. The money was sent via XXXX and tickets were not sent. I immediately contacted USAA in less than 5 minutes of the transaction to request a freeze be placed on the transaction. I explained that fraud had occurred. USAA stated it was nothing could be done since the transaction occurs instantly. All I could do was send a request to the seller asking for money. I called my bank back again and explained the fraudulent situation and received the same answer. Bank are advertising XXXX as a feature to its consumers to use. They are boldly stating the benefits of it but not fully explaining the disadvantages to its consumers. This is cause multiple customers to be scammed by scammers. After this incident happened to be I googled XXXX and scammed. I saw numerous people with the same issue. USAA states they are not liable because they completed the transaction as requested. I feel the bank should be liable because they offer the service. The bank presented all these benefits of the service. The bank do not have proper disclosure to state this transaction can not be disputed by your bank, once the transaction is completed it can not be reversed, returned or disputed. Are you sure you want to continue? This type of verbiage needs to be added to all banks that offer the XXXX feature. There are no repercussions and banks are legally allowing the consumers to be scammed. USAA has a dispute process for a lot of transactions but to offer a service that puts customers at risk and there is nothing to be done to protect the consumer is a huge issue. Making consumers aware like they notify of other disclosures should be a requirement for banks. Or they should not offer a product or service they can not back. I've had a checking account with USAA for a long time and their service is great. Based on prior experience with them is why I trusted XXXX and the process. Now that I am aware of the exposure and risk, I feel more need to be done by companies offering a service to make the consumer aware.
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc. (TN)

In XXXX of 2019 I signed a contract agreement with XXXX XXXX which is a property Management company. The terms and conditions of the contract had already been signed and agreed upon by office management at XXXX XXXX. In the original contract agreement we to a set amount of money to be paid for the year however another from XXXX XXXX tried to extort more money out of me than was originally agreed upon. When I refused to pay the false debt she used a collection agency to try to scam more money out of me. The amount that she tried to scam me for has been sent to a debt collection agency named XXXX and XXXX XXXX. I do not owe this debt because all moneys agreed upon in the original contract agreement has been paid. My credit has been adversely affected by this
Consumer complaint received 2018-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Reference ID : XXXX I received an email stating my funds are available for withdrawal, but the system isn't allowing me to add a bank nor allowing to withdraw to credit card on file. Also system not allowing to withdraw By Check to primary address on file XXXX XXXX XXXX XXXX, XXXX XXXX, florida XXXX
Consumer complaint received 2018-04-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Golden Title Loans LLC (TN)

I received several phone calls on my cell phone. I talked with someone and they starting talking abusive to me, threatening to have me arrested, and threatening to file felony charges against me. Then they started calling my job and started threatening to call HR and let them know all the details of my loan. I asked them not to call my job anymore. So they continue to call my job and threaten to suspend my license. They called my job again and told them that it was a emergency and that they needed to talk to me right away. When the person that answered told them that I wasn't in my office and that I was busy on the floor they refused to hang up and said that they would hold until I got finished. They told her that they needed to fax over paper work and it would contain my social security number. They Lied and said they had filed a claim in court and gave me a court number but when I called the court there was nothing there.
Consumer complaint received 2018-04-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd. (PA)

In XX/XX/XXXX, I had a medical procedure carried out at XXXX XXXX XXXX ( XXXX XXXX ), XXXX, XXXX by a doctor from XXXX XXXX XXXX and disputed the massive bills received, without response them. So I lodged a complaint with the XXXX AG 's office as I resided in that state at the time. In early XX/XX/XXXX I moved to XXXX so the AG transferred my complaint to the XXXX AG. For the purposes of this complaint, XXXX XXXX billed me on XX/XX/XXXX for {$5400.00} with a due date of XX/XX/XXXX. I received this bill on the same day I received a Delinquency Notice from Harris & Harris , Ltd of Illinois for {$6200.00}, made up of the {$5400.00} amount mentioned and an earlier claim for {$800.00}, which was subject to my original complaint.

So, either XXXX XXXX transferred a debt to Harris & Harris that had not reached its due date, or Harris & Harris are trying to scam me for a debt that is not owed and which is subject to an AG investigation