davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

Seterus has systematically misapplied my payments and then harassed me for payment. In the past, I had to send a separate fax requesting that any overpayment amount be applied to the principal balance each time I made a payment. Otherwise the overpayment would be put into escrow. All of a sudden, they started applying the entire payment to principal, charging late fees for missing payments and start harassing me by phone for an additional payment. Each time, I had to go digging up payment information to prove I already made the payment. They correct their error, credited the late fees and then made the same error again the following month. After the 3rd time I was then told it was because I did not tell the person that took the payment that they needed to use a special code to make sure the payment that I 'm making is applied properly. However, according to the letter they sent me in reply to my request for compensation they wrote " When payment is received, it is first applied to satisfy the next open installment on the loan. '' So if my payment is due on the XXXX and I make a payment 1 or 2 days before the due date, then logically the payment due on the XXXX would be the next open installment. Even in their reply letter they acknowledged making the error again stating " that another payment in the amount of {$1000.00} was received on XXXX XXXX, 2016 and was applied to the loan as a principal balance reduction. '' This was a payment that I specifically made by phone and requested that the special code be used to make sure it was applied properly, but it was n't done. There needs to be some kind of accountability. The last harassing call I receive the caller refused to call my wife. I repeatedly requested she speak to my wife since I was not able to provide the information on the payment that was made at the moment. Even after explaining that I was in a business meeting and was not able to stay on the phone. She kept insisting that I make a payment.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX MEDICAL ACC # B XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX MEDICAL ACC # XXXX IQUIRE NOT MINE XXXX XXXX/XXXX/XXXX XXXX MISC XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXVARIETY STORES XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-12-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (VA)

My monthly mortgage payment went {$1800.00} /month to $ XXXX started in XX/XX/<YYYY> This happened because they opened escrow account which was not there while it was serviced by XXXX Mortgage. As a result, I lost the flexibility of making arrangements with the XXXX to pay property taxes and insurance payments with insurance company. As a result, I am perpetually XXXX payment behind all of XX/XX/2016. In addition, every time I try to schedule the payments or move the scheduled dates, I am being harassed perpetually.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (NJ)

I have a CD that I used as a collateral for personal loan and I have been making payments and when it gets to a certain threshold, funds are released and deposit into my savings account. When this did not take place I contacted them numerous times and was given the runaround and w as at one point ignored via social media and was withheld from speaking to a manager wh en requested.
Consumer complaint received 2016-12-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: U.S. BANCORP (CA)

My name is XXXX. I was a student of XXXX at XXXX, XXXX & wanted to study XXXX. But I was XXXX to XXXX during the enrollment grace period. 
When I returned, I visited the school that had relocated to XXXX. I was told by the financial aid counselor that I could return to school & pick up where I left off if I was willing to start making payments toward my loans. Then the school closed down because their parent company XXXX ' is responsible for cheating the XXXX & other affiliated schools students out of {$30.00} XXXX dollars. I was contacted by a collection agency 'Elan Financial Services XXXX who tell me that I owe them {$10000.00} for an education that I never received. I admit that it was my fault for being put in jail for selling drugs on the streets, but I fully expected to be able to return once I was free. 
I am unemployed but willing to pay Elan $ XXXX until the loan can be satisfied. I do not feel obligated to make any payments, but in order to clean up my credit & be enrolled in a future school, I am willing to be flexible. I am in another location, but have an address as well as a phone # which I will provide upon request. Thank you very much for your time & patience.
Consumer complaint received 2016-12-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I received an offer from HSBC bank to get {$350.00} if I open a checking account and keep {$3000.00} balance for 3 month and pay 2 bills per month from the checking account for 3 consecutive month. I did all of this for 3 month and today I received a letter from the bank that they are now closing my account because of some " Rules for Deposit Accounts '' and of course they did n't honor the {$350.00} bonus that they advertised. Very strange, that they opened this account, kept it for 3 month and used my money and when it come to pay the bonus, suddenly I am not qualified for the account. I think it is a fraud on their part and I will bring this matter to the Attorney General 's office and Federal Trade Commissioner if it 's not resolved.
Consumer complaint received 2016-12-27
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Movement Mortgage LLC (GA)

I applied for a FHA loan at Movement Mortgage on XXXX XXXX, 2016 and was trying to get completed due to lease would be ending verily soon. I have been provided several closing dates and yet have been displaced to a hotel since lease is completed and have encountered over {$4000.00} in hotel room charges during these 3 months and still no decision has been provided to me as of this date. I have had to contact the XXXX Corporate office as well as the main corporate office in XXXX then to be sent to another person in XXXX Was told by Loan Officer no credits of any kind could be provided to me due to this unfortunate situation. Was harassed about the status of my children and had to prove constantly if I have given birth to them and by providing birth certificates and court documents on a almost weekly basis.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dear Credit Bureau, I am writing to bring to your attention an issue with my credit report. Upon reviewing it, I have noticed that there is an inaccurate address being reported by your agency. As a responsible consumer, I want to ensure that all the information on my credit report is accurate and up-to-date. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to maintain accurate and fair information about individuals. Therefore, I kindly request for the incorrect address to be promptly removed from my credit report. 

I appreciate your prompt attention to this matter and look forward to your quick resolution of this issue. Thank you for your understanding and cooperation.
Consumer complaint received 2016-12-27
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (WA)

I set a bill payment to my XXXX bank credit card account from Santander Bank on line banking, but XXXX bank did not receive the payment. I call Santander bank, the Rep. said they mail out the payment on time, this is post office problem. But he said you can mail the XXXXcredit card statement to our bank and attention Case management, we will refund the late fee city bank charge you. I did mail the copy of credit card statement to the Santander bank address he gave to me on XXXX XXXX. After one month, I called again, another Rep. said the address is wrong and they do not accept, you must fax over the statement. She gave me the fax number .The fax number is no answer. Then called again, gave another fax number. That fax number is communication error .THis morning called again, they said your fax matching is no good, change another fax machine.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX MEDICAL ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} AUTO {$8200.00} XXXX {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acc # XXXX J XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-06-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I had 2 or 3 misapplied payments at the beginning of this year. And Nationstar stated they was checking into and I was also trying to apply for a modification. However, I was told no to worry bout misapplied payments and they will adjust them with the new modified loan. I recurred the package in XX/XX/XXXX and mailed in XX/XX/XXXX and at the XX/XX/XXXX they stated the lender was not allowing me to re modifify again. By that time I was about 4 months XXXX, I hadappkief for assistance from home save and I mailed my package and I answered or phone back from them
Consumer complaint received 2016-12-27
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collins Asset Group, LLC (FL)

I have submitted disputes through XXXX they have not sent me a contract showing they lent me something or provided service to me and I agreed to do business with them, that it needs to be deleted. I have told them that any contract with me has to be between the accuser and me with both of our signatures. I have no knowledge of this company, have never contracted with them, they are strangers to any transaction with me and are not qualified to claim that I owe them something under the XXXX of XXXX. 
I have disputed this with all XXXX credit reporting it has been deleted on XX/XX/2015. I have demanded validation from the accuser/furnisher and they have not validated with any proof of a contractual agreement between me and them.So, that is why it was deleted and now XXXX year XXXX months later they are trying to collect again on a debt when does it end it 's like a merry go around and harassment because now I have to go through the process again in order to get deleted and will just like before the time and effort us consumers are faced with these collections agencies for what nothing but wasted time and I value my credit and it 's very important to keep onto of these collections agencies.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (AZ)

On XX/XX/XXXX, at approximately XXXX hours, I encountered a deeply frustrating and distressing issue with an ATM at Mountain America Bank located at XXXX and XXXX in XXXX, AZ. While attempting to deposit {$610.00} in cash into my XXXX checking account, the ATM malfunctioned egregiously. It accepted the cash, allowed me to confirm the deposit, and then immediately retained both my debit card and the cash, issuing a receipt that inexplicably stated the transaction was incomplete. 

As a member of the military, who has dedicated my life to serving and protecting my country, this situation is particularly disheartening. The added stress and inconvenience of dealing with this malfunction and the subsequent bureaucratic runaround is both demoralizing and unacceptable. 

I have reached out to Mountain America, who have verified their ATM 's cash count and acknowledged the exact discrepancy matching my deposit, yet they refuse to refund the money directly. The funds are trapped in a general ledger, awaiting action from XXXX. XXXX, in turn, has stated that because the transaction never formally processed, there is no way to initiate a claim or dispute, despite the receipt and Mountain America 's confirmation. 

This situation has left me without my {$610.00}, caught in a frustrating limbo between institutions. The lack of a straightforward resolution or accountability in handling my case is profoundly disappointing. As someone who serves my country, I expect a higher level of efficiency and respect in resolving such issues. I urge the involved institutions to address this matter with the urgency and seriousness it demands. All I am asking for is the return of my {$610.00}.
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have a mortgage with fifth third. I have never missed a timely payment. They are listing me as late for a month and reported it a negative on my credit report. They failed to apply a payment so it was not my fault. I have tried to work through the issue with them without any success. I recall receiving a letter from them that they had mis-reported the payment but I can not find that letter. It is wrong for them to report me as negative and I am requesting that they report it correctly. Attached find the payment history. Apparently the bank decided to increase the escrow. I did not recall receiving any notice of the increase. I paid the XXXX amount ( see attached bank statement check XXXX ). The payment history shows that as unapplied even though I paid the mortgage and interest. It is wrong for them to report me late when I paid on time.
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

The collection company ic system has me on collection for the amount of {$110.00} this amount was settled for the amount of {$87.00} I believe, when I call att they say I do n't owe nothing, so I do n't understand why this still shows in my credit report?
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

please remove these inquiries before I seek litigation for defamation of character. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-12-28
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (AL)

I have advised the company that I 've never applied for a payday loan online. I barely no how to work the internet. Pursuant to the Fair Debt Collection Practices Act, XXXX : XXXX XXXX Sec XXXX ( b ) that your claim that I owe you money is disputed, and validation is requested.Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

XXXX inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has charged me overdraft fees and should not have. They have withheld funds to my account in order to charge me these fees. The account balance is always appears to have positive balance but the bank will make it negative. I am sick of this.
Consumer complaint received 2024-10-08
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2016-12-28
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (SC)

On Friday XXXX XXXX, I called Smith Debnam Attorneys at Law ( hereby referred to as " Agency '' ) and contacted XXXX XXXX ( hereby referred to as " Agent '' ) at extension XXXX. Per the letter sent by the Agency dated XXXX XXXX, 2016, where they state the amount owed on XXXX ( hereby referred to as " Creditor '' ) Account ending in XXXX to be {$2600.00} and in which the Agency states " Our client has authorized us to initiate a judicial proceeding against you. In an effort to avoid costs associated with litigation, our client has authorized us to give you an opportunity to settle this account without having to go to court '' if there was no response within 20 days of receiving the letter. 

I made this call to get more information about the alleged debt. During my call with XXXX XXXX I specifically asked what the original amount and date of the debt which was discharged from the creditor to their office, in which she stated the amount to be {$2600.00} and that it was received by their office on XXXX XXXX 2016. The amount she stated was the same as the one on the letter in reference. I told her I would be speaking with the original creditor to review my options and hung up. 

On XXXX XXXX I spoke with an account representative of the creditor, XXXX and revewing all correspondence regarding this account I confirmed that the amount the creditor released was {$2500.00} based on a letter I received from the creditor which is dated XXXX XXXX, 2016, and not the {$2600.00} XXXX XXXX " Confirmed ''. 

Therefore, the debt collection agent, and hence the agency have lied about the amount of the debt in what I believe to be an attempt to claim more than the original debt. There is no statement or evidence on any of the correspondence sent by the Agency or agent stating the reason for which the debt they claim is higher than that dischardged by the creditor. 

I am requesting the agency to send proof of the debt. Until I receive the letter of proof I ask that this matter be reviewed. 

Thank you for your time.