davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2015-07-09
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I had a verbal agreement with Portfolio Recovery Associates in which they promise me that my supposed balance would be reduced from {$930.00} to {$760.00} if I start with my payments. It happened about XXXX weeks ago. They also told me that after my first payment, I would receive a notification with the new balance. In addition, during those conversations I told them that I would n't give any information about my bank account because I do n't know who they are, so I made my first payment on XXXX XXXX, 2015 using their website in which I opened an account. 
After that point, I never receive the new statement, and I could n't access to my online account, but even worse is that they are saying today that there is n't any settlement, and they are forcing me to pay the whole amount of money again after I started with my first payment which was of {$200.00}. 
If it is a serious company, there should be all of our conversations recorded, and there would be easy to identify who is saying the truth, and who is dishonest. 
To sum up, my initial balance with the original lender was about {$600.00}. Then, after I could n't pay it for a few months, it skyrocket to {$930.00}. Afterward, I agreed to start my payment if the account would be reduced a little bit, and it was reduced to {$760.00}, and later, I paid {$200.00}, so today the balance should be {$560.00}. However, they did not keep their word, and the balance is {$730.00}.
Consumer complaint received 2015-05-25
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (OH)

I sold an item on ebay, in my description I specifically stated that i do not accept refunds or exchanges. The buyer reported to ebay that the item was defective so ebay refunded the money to him. The buyer then returned the item to me and I discovered that the item was not defective at all. Ebay and paypal are now trying to bill me {$250.00} dollars for this discrepency. I feel ebay ruled in favor of the buyer without all the information and even false information from the buyer.
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Gitsit Solutions, LLC. (FL)

We sent the application documents to XXXX XXXX at Koundar Capitol and their counsel starting in XX/XX/XXXX. Each time, they denied the application in less than a week. They cited that they could not create an affordable payment each time and did not explain how this came to be. We sent another application and Notice of Error to Koundar in XX/XX/XXXX with updated income and expense information, explaining that there was a change in income and expenses, making their ability to pay an affordable loan payment more possible. Just as before, in less than a week, we received correspondence that they could not come to a term with an affordable payment. We have called the assigned SPOC, XXXX XXXX, XXXX times in three months, sent her over XXXX emails, and copied these emails to XXXX other individuals at Koundar Capitol. There has been no response aside from the canned letters with no detailed explanation. The last application we sent was XX/XX/XXXX and we received notice of denial dated XX/XX/XXXX, which is only two business days later. IT IS IMPOSSIBLE TO DO A FULL REVIEW AND DETERMINE ELIGIBILITY IN TWO DAYS. All contact attempts and requests for explanation have gone unacknowledged and unaddressed.
Consumer complaint received 2024-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (CA)

I have attached my bank statement showing that along with my monthly payment of {$2600.00} an additional principal payment of {$25000.00} for a total payment of {$27000.00} was made to XXXX Home Loans. This amount was taken out of my account on XXXX. On the XXXX XXXX XXXX monthly mortgage statement and the transfer letter Shellpoint, the Outstanding balance is listed at {$270000.00} reflecting the {$25000.00} additional principal payment. The current balance listed on Shellpoint is {$290000.00}. XXXX Home Loans without my permission did a " Misapplication Reversal '' of $ XXXX on XXXX XX/XX/2024. I found out of this reversal while setting up my new loan payment to the transfer company. I did not give permission to XXXX Home Loans to reverse the {$25000.00}. As of XXXX XX/XX/2024, I am missing {$25000.00} ( see attached bank document ). Please investigate this fraudulent transaction as there is a missing {$25000.00} that is neither in my bank account nor applied to my loan. Per XXXX Home Loan representative, Shellpoint is responsible moving forward as the new loan provider. 
1. Does XXXX Home Loans make more money in selling a higher loan debt? Shellpoint is a debt collector.
Consumer complaint received 2024-08-19
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. (CA)

I am writting to formally dispute several fraudulent accounts that appear on my credit report. I have reviewed my credit report and identified the following accounts as fraudulent XXXX XXXX  opened on XX/XX/XXXX, with account number XXXX and XXXX opened on XX/XX/XXXX with account number XXXX.
Consumer complaint received 2016-01-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

I received several calls and a final letter from a collection agency on behalf of XXXX medical organizations in regards to a supposely pending account that was paid XXXX months ago and charge to my bank account. 
When I call to clarify the customer service representative was really improper in her answer to me saying that the only way for me to do it was sending proof of payment ( which I completely understand and was ready to send ) I addressed that I have apply to a store credit a week ago and it was denied and it may be because they may report to XXXX and that they have damage my credit report with a false issue. she said that it was not her problem and that they will try to fixed if I send proof of payment. 
I felt so mistreated at this point and I want to voice my most strong complaint to these entities and organizations that do not have any type of courtesy and understanding of the wrong behavior and consequences.
Consumer complaint received 2016-01-18
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CMRE Financial Services, Inc. (CA)

The agent was unnecessarily aggressive and argumentative, and obtained personal information ( dates of birth, insurance company information, etc. ) that, in retrospect, I do not believe he was entitled to. He tried to obfuscate the fact that he was with a collection agency and not part of the company that provided the service whose bill was being collected. His tactics were targeted towards getting me riled up, by being argumentative and rude.
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have received multiple letters and phone calls from HSBC regarding complaints lodged by me for the way they handled my recent refinance. In each instance they make promises about when they will call and talk to me as well as when I will hear back from them in written form. Once again they do not live up to their promises or meet their obligations. The most recent dates that they committed to and that have come and gone were a return phone call that was suppose to happen on XXXX/XXXX/2015. And letters to me promising a written response back to me by XXXX/XXXX/2015 and again by XXXX/XXXX/2015. None of which happened. I am asking that you please take some kind of legal action against them on my behalf. They are not a reputable company to do business with.
Consumer complaint received 2016-03-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

This is a follow-up to a complaint I filed through your site against Ocwen for failing to provide me with the stock certificate and proprietary lease upon completion of my mortgage loan payments effected XX/XX/XXXX. 
On XXXX XXXX, XXXX, Ocwen, after trying to reach them several times, and after posting the complaint through your site, responded that they needed 30 days to obtain the stock certificate from third party trustees. However, 30 days are over today and I still have not received the promised document - stock certificate and proprietary lease. 
Instead, Ocwen sent me an e-mail with duplicate documents provided before ; i.e. pooling agreement between XXXX XXXX and XXXX XXXX XXXX XXXX. I responded indicating that such document was ( 1 ) dated prior to the Co-Op Conversion XXXX XXXX ( 2 ) signed by the sponsor who no longer has any authority over the Co-Op ( 3 ) document does n't list the Co-Op XXXX XXXX XXXX XXXX XXXX as part of the service transfer request to XXXX XXXX XXXX XXXX ( 4 ) When I purchased the apartment, I obtained financing through XXXX XXXX XXXX not XXXX XXXX XXXX XXXX. 
Based on the above, I find the pooling agreement forwarded by Ocwen, invalid. 
The current management company for XXXX XXXX XXXX XXXX XXXX is XXXX XXXX not XXXX. As mentioned before, XXXX was the Sponsor who no longer has any interest in the building and was supposed to relinquish any authority 5 years after the Co-Op conversion any way. 
Ocwen also stated that they did n't have a need to file for a XXXX continuation because the previous one had already expired. My understanding is that XXXX serves as the financial institution 's collateral of an outstanding debt. What was Ocwen 's collateral in this case. I know the loan is now paid off ; however, it is important to me to understand the reasons behind the non-filing of this document as there seem to be third parties involved on my property interest who I do n't think they should be and which I was n't aware of.
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I OPENED A CARD WITH CAPITAL ONE RESPONDING TO A PRE APPROVAL OFFER. I GOT THE CARD SENT TO MY SISTERS HOUSE IN WHICH I WOULD BE STAYING BECAUSE SHE HAD A XXXX AND I HAD TO MOVE IN TO TAKE CARE OF HER. I ORDERED THE CARD TO HELP TAKE CARE OF HER MEDICINE EXPENSES MONTH TO MONTH. I GOT THE CARD AND WHEN I WENT TO ACTIVATE IT IT SAID IT WAS A FRAUD ALERT PLACED ON THE CARD. I CALLED THE FRAUD DEPT AND THEY SAID THAT I HAD TO PROVIDE PROOF OF MY IDENTITY. I THEN SENT THEM A COPY ( FRONT/BACK ) OF MY DRIVERS LICENSE, AND A UTILITY BILL FROM MY SISTERS ADDRESS WITH MY NAME ON IT. AFTER THAT THEY SAID I NEED TO SEND IN A COPY OF SS CARD! I EXPLAINED TO THEM I DO NOT FEEL COMFORTABLE WITH SENDING OVER ANYMORE PRIVATE INFORMATION LIKE THIS - YOU HAVE MY ID AND A BILL AND THAT SHOULD BE IT. I 'M NOT SENDING MY PERSONAL AND PRIVATE SS CARD OVER INTERNET OR FAX. ITS NOT SAFE TO ME AND UNNECCESSARY. I CALLED TODAY TO CLOSE THE ACCOUNT ALL TOGETHER. I DONT WANT TO DEAL WITH CAPITAL ONE ANY LONGER AND I WAS TOLD THEY CAN NOT CLOSE MY ACCOUNT WITHOUT MY SS CARD SENT TO THEM! I HAVE NO BALANCE I WAS NEVER EVEN GIVEN THE CHANCE TO USE THE CARD! I JUST WANT IT CLOSED AND NOTHING TO DO WITH THEM. THEY ARE TRYING TO CHARGE ME AN ANNUAL FEE FOR NOT EVEN BEING ABLE TO USE THE CARD!! I WANT IT CLOSED THATS IT!
Consumer complaint received 2015-07-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

This is a second Mortgage that was signed in XXXX 2006. Can someone explain why 100 % is still going toward interest and 0 % is going toward principal. I have called the company weeks ago about this issue and no one in the entire company could explain why. They said they would get back to me. As usual when dealing with GTS, I have not heard a work about this or had anyone call me back./
Consumer complaint received 2015-05-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alorica Inc. (TX)

West Asset Management contacted me today via phone, a XXXX XXXX proceeded to read to me my personal information and wanted me to verify it without explaining why she was calling, who she was calling about etc. I called them back to ascertain the reason for calling and was sent back to XXXX XXXX XXXX. She started the process again ; I said I will not give you any of my personal information without you telling me why you are calling. She said I can not do that until I have your information, i.e. my personal information. Phishing is an illegal activity, and not one I will be party too.
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

This letter is to dispute inaccurate credit information present in my credit report for the amount of {$180000.00} initially reported on XX/XX/XXXX by Chase bank. 

Back in XX/XX/XXXX, I entered into a contract agreement with Chase bank to Short Sale my property in XXXX XXXX XXXX, FL., which took place on XX/XX/XXXX 
On the closing date, I signed the HUD forms and notarized all related documents per the closing agent instructions ( XXXX. ) and submitted my final payment of {$620.00} as required for the closing and transaction was closed. 

A year after the Short Sale transaction, to my surprise, I started receiving collection letters and settlement offers stating that amount of " {$180000.00} '' still owed and due to Chase Bank. 

Immediately after, I started contacting Chase Bank trying to resolve the issue by faxing and forwarding copies of the " Short Sale Offer Confirmation '' letter executed by Chase that states that " we will waive the remaining deficiency balance on the account totaling {$180000.00} '', which it seems to be ignored and/or overlooked by the Bank all this time. 

Subsequently, after calling Chase Executive office and talking to representative who was going to look at my case closely for a resolution, I got no clear answer. Few days later, in XX/XX/XXXX, I contacted Chase bank and spoke with XXXX XXXX XXXX from the collection dept. who suggested me to fax copies of my documents for further investigations, but as many times before her response was n't clear and wanted me to " settle '' the debt for less in order to move forward. 

According to XXXX and her supervisor, my original " Chase Short Sale Offer Confirmation '' from Chase was " superseded '' for whatever reason and a " new '' " Chase Short Sale Offer Confirmation '' is now in place stating the amount of {$180000.00} is still owed to Chase. 

According to her, my original " Chase Short Sale Offer Confirmation '' letter releases me " only '' from interest on the property, but not from the debt? This statement is vague and confusing to me and defeats all of my intentions for short-selling the property in the XXXX place. 

Enclosed are copies of the HUD settlement statement, the Chase Short Sale approval letter and Short Sale closing documents to support my position. Also, I 'm enclosing a copy of the XX/XX/XXXX collection attempt from Chase. 

Please feel free to contact me if you have any questions or if more documentation is needed to resolve this dispute. 

Thank you very much.
Consumer complaint received 2015-05-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I had paid this debt off on an agreement almost XXXX years ago from this same company. Now since I have applied for a XXXX XXXX card, they have contacted me almost everyday saying that I owe them money. I explained that I had no idea what they were talking about, that I do not owe them anything. They read off my SSN, address, & phone number! It was creepy. I paid all my old debts off when I was going to apply for my mortgage at the time. To top things off, there is nothing on my credit report about this debt either ... .and why? cause its paid off. This was settled all that time ago, why now are they trying to double dip?
Consumer complaint received 2016-03-29
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

BANK OF AMERICA CORPORATION ( nominal name " BANK OF AMERICA , NATIONAL ASSOCIATION '' ) ( hereinafter " BAC/BANA '' ) is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX 's '' ) took out a loan with XXXX ( See " Attachment ). To secure repayment, the XXXX 's executed a Mortgage with XXXX XXXX XXXX. XXXX " XXXX as nominee for XXXX which was recorded in the XXXX of the Federal State of Hawai'i as Document Number XXXX. ( See " Attachment '' ). 
BAC/BANA is stating that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the XXXX of the Federal State of Hawai'i as Document Number XXXX, BAC/BANA is now the mortgagee of record. ( see " Attachment '' ).
Consumer complaint received 2016-03-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (SC)

The debt from XXXX XXXX XXXX is on my credit account but I 've never been. Syndicated Office Systems seems to be the collector and I have not received a letter or a phone call from them. I called XXXX XXXX XXXX and I am not a patient there.
Consumer complaint received 2015-11-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

I received an offer to sign up for a CitiGold checking account, make a deposit of $ XXXX, and get a {$400.00} sign-up bonus. My experience with Citi has been horrible : - I met all the sign-up requirements, but did n't get the bonus as promised. I needed to email them multiple time and call them before I finally got the {$400.00} credit. 
- I withdrew my initial deposit after the required holding period, but was then charged a monthly service fee ( {$30.00} ). This fee was n't clearly displayed during marketing or the account opening process. They also continued to charge me this fee the following two months even after I had put in a balance large enough that was supposed to waive the fee. They eventually reversed the fees, but it required me calling in every month for 3 months. 
- When I had a {$0.00} balance and then got hit with a monthly service fee, this put me in overdraft status. They then charged me an overdraft fee. I do n't think it 's right to charge an overdraft fee when their fee caused you to go into overdraft state. Again, they refunded it, but it took another call. 
- While they have high limits allowing transfer of funds into Citi, their limits on sending money outside the bank are frustratingly low. They require a balance of $ XXXX to avoid fees, but only allow for external transfers of $ XXXX / day and $ XXXX / month. 
- While it 's nice they allow for online account opening, it 's annoying that you ca n't designate your backup withholding status electronically. Instead, they wanted me to fill out a thick set of forms and mail it back to them. 
Overall, dealing with Citi has been a horrible frustrating experience and I am going to close my account once I am able to remove all the money.
Consumer complaint received 2016-02-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Everest Receivable Services Inc. (CA)

On Tuesday, XXXX/XXXX/16, at approximately XXXX I received a call from a male person identifying himself as XXXX. XXXX claimed to be calling from Everest Receivable Services, XXXX, NY XXXX. The telephone shown on monitor showed as XXXX. I have received numerous calls from unknown telephone numbers such as these and typically would not answer since my phone is private unlisted and used for work purposes only. 

XXXX told me he wanted to verify the mailing address of " XXXX XXXX '' he did not pronounce my birth name in full and then when I tried to find out the reason he was calling my private cell phone number, he wanted me to verify the last XXXX digits of my social security number ( often a ploy from subjects committing identity theft fraud schemes ). He stated that he wanted to verify my address as XXXX XXXX XXXX. XXXX stated that he needed to verify my identity based on Federal Statute Requirements. Yet when I asked him to cite the code section for the Federal Statute he did not know it. 

I have been a victim of Identity Theft in the past and have been in contact with your agency concerning this ongoing problem. I have also filed several complaints with the Federal Trade Commission concerning problems such as this. 

This consistent relentless harassment is becoming emotionally distressing and has effected me in my personal as well as my professional life. Phone calls have been made at my place of business, at my home, at my elderly parents home, and even at my family members ' personal phone numbers. 

I do not believe this type of business practice is appropriate, let alone lawful. 

What steps can I do to stop all this harassment?