davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allgate Financial, LLC (OK)

XXXX XXXX sued for a XXXX account belonging to XXXX XXXX. I was living and working in Pennsylvania. On XX/XX/2018. XXXX XXXX renewed a judgment and is now trying to collect on XXXX account which she states was paid. The CFPB has consent orders against both XXXX and XXXX XXXX. They are scam artists. They have a lien against my home and will garnish my bank account or wages. Please help?
Consumer complaint received 2018-09-28
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CMRE Financial Services, Inc. (NJ)

DEAR CFPB : This matter is a continuation of the debt in reference to the same collection agency. in the 2 other accounts. I am asking the collection agency not to contact me any longer, to contact my attorney. this matter where already PAID to the collection agency. So please do not call me do not harras me and do not write me any more. Thank you Respectfully yours ...
Consumer complaint received 2016-06-09
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I was sued for a credit card that was almost past the statute of limitations and had been sold to collections, and I have been paying for the judgment for 2 years now and am not even halfway finished. They are not willing to settle the account, even though I have paid monthly and have not missed any payments. The debt is now almost XXXX years old, and I am willing to settle it for half the current balance, which is far more than the collection agency paid. I can not purchase a home until this is paid, and it has been on my back for a decade. I am an immigrant and did not fully understand the credit card or the collection process, and now it is keeping me from buying a home ten years later.
Consumer complaint received 2018-09-28
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: EQUIFAX, INC. (TN)

I had financed a car through XXXX. They never reported it to the credit agencies. I have a complete payment history showing that I have never been late and always paid more than the minimum payment. I have tried contacting each of the agencies but I am never able to get anywhere with them and can not dispute the inaccuracies online. Please help me. I have had this loan for a year and a half and my score should be through the roof by now, but I am unable to get this taken care of to make it show on my CR. I am currently trying to refinance through my local CU but my score isn't as high as it should be and I'm afraid it will have adverse reactions on myself getting the loan. Thank you
Consumer complaint received 2018-09-28
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. (TN)

I had financed a car through XXXX. They never reported it to the credit agencies. I have a complete payment history showing that I have never been late and always paid more than the minimum payment. I have tried contacting each of the agencies but I am never able to get anywhere with them and can not dispute the inaccuracies online. Please help me. I have had this loan for a year and a half and my score should be through the roof by now, but I am unable to get this taken care of to make it show on my CR. I am currently trying to refinance through my local CU but my score isn't as high as it should be and I'm afraid it will have adverse reactions on myself getting the loan. Thank you
Consumer complaint received 2024-08-23
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)

I NEVER GAVE ANY OF THE CREDIT BUREAUS VERBAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT. A COPY OF THE LAW IS ATTACHED WITH THIS DISPUTE. I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT FILE AND YOU HAVE NO PERMISSIBLE PURPOSE BY LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. $ 1028A. YOU HAVE KNOWINGLY TRANSFERRED, POSSESSED, OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME, WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISONMENT, IN ADDITION TO CIVIL LIABILITY.
Consumer complaint received 2018-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

I have had a Chase Mortgage without an escrow account for fifteen years. Through a series of miscommunications Chase set up an escrow for tax payments with my town of XXXX, MA XXXX which I have paid. to. Chase claims that the Tax Dept. reported my account late while town of XXXX says that they do not report late payments. Chase has set up an escrow which after numerous communications Chase has closed with a balance of $ XXXX. The town of XXXX has {$700.00} in prepaid tax payments which I have asked Chase to repay to escrow on XX/XX/23 to reduce escrow which I want to pay off. After numerous communications with Chase Bank and attempts to reach my " relationship manager '' I can not find out whether Chase has gotten the {$700.00} tax payment back into pay down on escrow. This has been going on for three months. I have requested that Chase get the money from XXXX XXXX ( the treasurer has said that he would expedite the process once he received the Chase request ). I have had no response from my " relationship manager '' XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

After trying for over a month to resolve this matter, I am writing to you to ask for help. Wells Fargo bank is holding my funds hostage. My daughter recently moved to XXXX to work on her XXXX XXXX degree. We opened a joint account so I could access the funds if she needed anything. She set up online banking so she could transfer between her Wells Fargo account and her bank in XXXX. On XX/XX/2018, Wells Fargo put two trial deposits into the XXXX bank account to verify the account. On XX/XX/2018, using Wells Fargo online banking, I initiated a {$3000.00} transfer from the XXXX bank account to Wells Fargo. The money was debited from the XXXX  bank account on XX/XX/2018 ; but has never been credited to the Wells Fargo bank. For the past month, my daughter and I have on many occasions either visited a branch or called a branch to find out the status of the money. I have been told that since a claim was made by my daughter, that they could not speak with me concerning the case. On XX/XX/2018, I visited a local branch of Wells Fargo to once again try and locate the missing money. After spending over an hour and speaking with three different people via the phone, all I know is that they suspected the transaction was fraudulent and returned the money at XXXX. They still can not say where the money is or when I should be receiving the credit for the deposit. They did tell me to check with the XXXX bank which I have but was told, " since the transaction started on Well Fargo 's website, they would have to resolve this issue. ''
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

equifax is reporting incorrect information. it is preventing me from obtaining a student loan for my child. XXXX and XXXX are reporting correctly and i have letters from the companies that everything is paid. i have no delinquencies. equifax is refusing to send me a copy of my credit report. so i can dispute this
Consumer complaint received 2024-08-23
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX account # XXXX and account # XXXX has violated my rights 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 an account without my written instructions
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (LA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2018-09-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (AK)

I have lived in XXXX, Alaska all of my live and love our state as it offers an ideal life for my family. We vote, pay our taxes, strive to be solid citizens and are bring up our children with good values. However, we have run across a problem and need some help from a person in your position to get us through the storm. We fell behind on our mortgage payments at the beginning of this year and we have not been able to deal with our mortgage servicer directly. Caliber Home Loans tried selling our home early this month, but we were able to stop the sale and we are afraid they will ultimately take our home away if we can not get them to speak with us. Its not entirely their fault as we hired an attorney to help us negotiate our delinquency, but he has done nothing and Caliber said they can only speak to my attorney. I fired him, but Caliber still wont open any discussion that would allow me to keep my home. 
They have strongly indicated that they will help me with home retention options, if they can speak to me. I am asking for your offices assistance to help me communicate with them to get the ball rolling to save my home from foreclosure. I do not need you to negotiate or get involved in any way except to open the door for me to speak with them. 

I purchased my home in 2008 and everything was going along fine. My business was doing well and the two rental properties I own were bringing in positive cash flow each month. However, the last two years have been a nightmare as I unfortunately had two very bad tenants. They both stopped paying rent and separately destroyed the homes they rented from me. One tenant brought in over ten homeless people and it was a legal and financial nightmare that cost me tens of thousands of dollars in direct costs, lost wages from all the time I had to deal with the issues and lost rental income. I finally ran out of money getting them out of the home and finishing off the repairs to bring the properties back to a rentable state. This caused me to fall behind on my mortgage payments. I truly did not have an option as I need the rental income to provide for my family. I thought I was doing the right thing when I was contacted by a law firm who promised they could help to get my loan modified. I paid them {$4000.00} and they apparently did nothing. I know I am deep in foreclosure, but I am certain something can be done to save my home for my children.
Consumer complaint received 2018-09-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (FL)

Good morning, we entered into a conventional loan with Citibank and provided less than 20 % down payment, requiring PMI monthly payments. Since XX/XX/XXXX we are providing double principal payments, to reach the 20 % equity value quicker.

Additionally, home values in the XXXX Florida area have risen, i.e. two neighboring homes, each comparable to our home, sold for {$350000.00} and {$330000.00} respectively, when we bought our home at {$280000.00} also completely remodeled ( same circumstance as the sold properties ). Lastly, we have invested in the property, made upgrades ( in form of remodel ) and also added to the property, therefore the original appraisal to the home is no longer valid.

Upon calling Citibank, twice this week ( Monday, XX/XX/XXXX and today, XX/XX/XXXX ), asking for a PMI cancellation and opening process for re-appraisal, requirements are good standing with the loan payment history, loan in place for minimum 2 years and now we are told that we have to be a 78 % home value on the loan.

This makes no sense, as at that point, it is an automatic cancellation of PMI and I wouldn't be requesting an appraisal, which at the end of the day is paid out of my pocket.

It is my feeling that Citibank is providing delay tactics and not allowing us to go through the process of an appraisal and qualify for cancellation of this additional PMI payment. If I am requesting for this process to be done, it is because we feel we our property has a higher value than what we bought for. It is my understanding that we have the right to request for an appraisal, especially given the comparable home values of recently sold properties.

Thank you!
Consumer complaint received 2018-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On Wednesday the XXXX of XXXX I was part of a scam through purchasing tickets. I called Bank of America to see what the best way to send money safely and the customer service agent pushed XXXX. The concert was about 45 mins and I was in a rush to get this taken care of. As I sent the {$180.00} dollars and never received tickets BOA told me It was never sent ... But I got a email stating it was pending. I reached out the to the individual and he stated it did not go through and for me to try another account. After that I have sent the remaining balance of {$250.00} dollars. Which now brings the total of {$430.00} out of my account. Now that both request have gone through - BOA is stating is is my fault when they have stated on XX/XX/26 they are pending and not posted. 

I have spoken over 5 times within 48 hours to BOA, 2 times to XXXX, 1 time to XXXX bank ( One Account was connected to XXXX who retrieved the {$180.00} ) 1 time to XXXX XXXX ( who also retrieved {$250.00} ) Bank of America has stated I am XXXX out of luck due to there mistake of not stopping payment through XXXX. 

Can I have some advice on how to proceed with the BOA?
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (FL)

XX/XX/XXXX Discovered via brief review of my credit, that a " derogatory account '' appeared on my XXXX Credit Report. The collection firm, " Commonwealth Financial Systems '' displayed {$630.00} medical debt. CFS 's ph. # XXXX and address, XXXX XXXX XXXX XXXX XXXX, PA. XXXX. Immediately I called CFS, spoke with XXXX XXXX and he confirmed debt was from XX/XX/XXXX. A medical debt with an Emergency Room in XXXX. XXXX said he had no further details and quickly added CFS is willing to accept 35 % of for {$410.00} to close the debt. I expressed my concern for not know of this debt nor who they were. I do not recall any calls or letter ( s ) referring to this old debt. I suggested XXXX  do more research and I will do so as well.

XX/XX/XXXX : I contacted XXXX XXXX Hospital, XXXX, Fl. They directed me to XXXX billing. XXXX confirmed I was admitted to the Emergency Room on XX/XX/XXXX, treated and released on XX/XX/XXXX. XXXX confirmed I paid my XXXX {$150.00} co-pay and XXXX paid the remaining balance, {$3200.00}. XXXX suggested I call XXXX for more billing details.

I called XXXX, spoke with XXXX, ( Employee # XXXX ). XXXX   hoped to have a response within one week.

XX/XX/XXXX : XXXX, XXXX, left voice message confirming I paid the {$150.00} Co-pay and has requested archive documents. She also attempted to contact CFS to inform I had Health Insurance in XXXX  but she was unable to reach them.

XX/XX/XXXX I received voice message from XXXX  she needed my approval to Fax selected health records to CFS to display I had Health Coverage.

XX/XX/XXXX XXXX, XXXX, left V message she faxed my E.O.B., ( Explanation of Benefits Payments ), to XXXX XXXX, ( CFS Mgr. ). EOB was itemized with 21 payments totaling {$3200.00} dated XX/XX/XXXX & XX/XX/XXXX. XXXX spoke with XXXX  who stated debt will be removed upon receipt of the EOB..

XX/XX/XXXX I spoke with CFS 's Mgr. XXXX XXXX. He confirmed receipt of the EOB but it now had to be reviewed by another team. He said it should a few days.

XX/XX/XXXX I called CFS asking for XXXX. Spoke with XXXX who stated the review will take a few more days. I expressed my frustration as CFS had the EOB document, full payment confirmation, for more than 10 days. " Please have XXXX  call me ASAP.

XX/XX/XXXX : At this juncture I question if CFS is now operating outside the parameters of the law. 1 ) State of Florida could not confirm CFS 's appropriate licensing. 2 ) It may be considered " Fear tactics '' adding a debt to a consumer 's credit report without confirming contact with the consumer first. 3. ) Now having documented proof of the EOB, direct from the Health Insurance Co, in their hands for over 10 days why has there been further delay to declare this debt paid? This may be considered " harassment ''.

CFPB, Please assist me to resolve this 5 year old issue. I do not know what more I can do..
Consumer complaint received 2018-10-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (CA)

I work for XXXX XXXX XXXX XXXX and I do process loan with wholesale lenders. I submitted several loans to XXXX ( XXXX XXXX XXXX ) and got paid {$790.00} processing fee which I normally charge. In XX/XX/2018 I submitted a loan to XXXX and I disclosed the processing fee of {$790.00} as I normally do however they went through with the file up until the loan documents gets sent to the escrow company when they said that they won't be able to pay me the processing fee of {$790.00}. When I mentioned that I processed loan previously with you and I got the processing fee paid, they mentioned that they were out of compliance and now they won't be able to pay anymore. I worked 30 days to process a loan without being paid. XXXX had a chance to let me know that they won't be able to pay me the processing fee upfront when I submitted the loan and if they were out of compliance before and now they are in compliance, they should of sent an email or notification stating that they'll no more pay processing fee for processors working for the Broker.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I have been trying to get this resolved with XXXX and XXXX XXXX XXXX but no one is able to assist me. My credit report is reporting two derogatory items for the same exact loan and is a duplicate item. I have spoken to XXXX who is sending me to The Department of Education, which is being handled by XXXX XXXX XXXX, and they are telling me they cant do anything I have to call XXXX. When reaching out to XXXX they are turning me to The Department of Education. Not to mention when I was trying to pay this debt off in 2017 I was told I had no other option but to pay a settled amount or not pay at all. I was only {$80.00} short of paying the full amount and was told I had to just settle for less or continue getting called every hour by the collection department.
Consumer complaint received 2018-09-28
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: JPMORGAN CHASE & CO. (CA)

I'm writing this letter to dispute a billing charges to my CHASE credit card in the amount of {$1200.00} that occurred on XX/XX/2018 from XXXX marketplace. I have not receive the item of purchased, when it showed it was delivered and was even sign off with my initial when i track the status of shipment on XXXX. I've also request the authentic hand signature when sign off the packages as well with travel history of the item and it appear to be false signature. I'd immediately contacted the seller XXXX in regards of the problem and have come to an agreement to have the charges directly credit back to my accounts. Yet the balances is still have not been resolves.