davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Evergreen Moneysource Mortgage Company (WA)

Evergreen Home Loans has mismanaged every change of payment that has taken place with my mortgage. I have paid my mortgage on time every month through a scheduled check delivery service, and no matter the change, Evergreen mishandles the change. The first instance was when they missed paying the county tax in XXXX of XXXX. It was not until I received letters from the county that I was in default and notified Evergreen that they took care of the problem. 

Secondly, in XXXX of XXXX I received notice that there was a shortage in my escrow amount due to increased county taxes. It was noted that if I pay a lump sum XXXX {$270.00} XXXX, it would be added to Escrow and my monthly total mortgage increase would not be as much. This money was not initially allocated to escrow XXXX future interest payment I believe, but it was a while ago ) and it was not until I called them that the issue was resolved. The additional principal I paid that month was not as much as it should have been because they had not allocated the lump sum to escrow. Again, it was not until I called that this issue was resolved. 

Third, in XXXX of XXXX I received another letter telling me that there was another escrow shortage due to increased taxes. The letter states, " If you choose to pay your escrow shortage of {$300.00} in full, your new loan payment amount will be {$1400.00} '' I called Evergreen on the phone and was told that they did not accurately calculate the escrow shortage in XXXX and that is why I was being charged again. As a first time homebuyer this was aggravating for financial reasons. I payed the full amount of {$300.00}. At this time, I spoke with a supervisor at the call center and notified them of their continued mistakes. 

Fourth, I just received a copy of my most recent statement ( XXXX/XXXX/XXXX ) and it shows that {$300.00} was applied to escrow, but that my total monthly payment due is {$1400.00}, not {$1400.00}. They did not re-calculate my payments to account for my lump sum escrow shortage payment ... .for the second time. I have recently been paying {$1400.00} per month to get ahead on my loan, and instead of having {$48.00} paid as additional principal, they are only showing {$23.00}. 

I will be calling them tomorrow but I think the number of mistakes shows either gross negligence of their accounting department, or a scheme to gather extra money without customers noticing. It is aggravating and disheartening to have to deal with this company 's mistakes every time there is a change to my mortgage.
Consumer complaint received 2015-07-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

Continued Harrasment By Daily Phone Calls & Daily E-Mails Received by Different Prestige Financial Services " Employees '' After I Filed A Complaint With CFPB in XXXX or XXXX of XXXX and Set-Up a Payment Plan With Prestige Please See " All '' E-Mails Received To Date.
Consumer complaint received 2015-07-10
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY (TX)

XXXX XXXX XXXX XXXX has not provided proof ( written documentation ) of assigned ownership of account ( validation ) and continues to report a collection past the statute of limitation. 
Agency has not provided appropriate documentation to show how and where such collections have come from as it relates to the original loan in an itemized statement. 
No itemized information about proof of last activity date was provide to me. 
XXXX XXXX XXXX has fraudulently changed 1st and last activity dates on my credit report after the 7 yr statute of limitation.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

Chex Systems , Inc., is giving financial institutions secret reports and informing financial institutions not to open up a checking account for me due to me having previously reported fraudulent checking accounts from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX listed on my consumer report and upon sending a police report and proper documentation, the fraudulent checking accounts was removed from my Chex System Consumer Report. But Chex Systems is secretly informing banks and financial institutions not to open up a checking account for me due to the previously fraudulent checking accounts listed on my consumer report, even though Chex Systems sent me a copy of my consumer report with no negative information reported on my consumer report and informed me, I should n't have a problem opening up a checking account. A few days ago, I went to XXXX XXXX and XXXX XXXX XXXX and was informed by representatives from both banks, that they could n't open up a checking account for me because because the inquiry they got from Chex Systems, informed them not to open up a checking account for me due to previously fraudulent checking accounts listed on and removed from my consumer report. Furthermore, Chex Systems is reporting my physical and mailing addresses as errors and non-existent.
Consumer complaint received 2015-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Radius Global Solutions LLC (AZ)

My credit is being harmed by a collection agency that is reporting a disputed debt. 

The issue stems from a 3-month series of billing errors that my current phone/internet/XXXX provider made when we switched our service to them last year ( XXXX 2014 ). Throughout the time that the billings were in error, XXXX advised me to not make the payment while they corrected the issue however they never actually got it fixed. When they finally combined my payments onto a single bill ( which is what they were supposed to have done from the beginning ), they sent me a separate bill for one portion of the service and refused to provide a breakdown of what the billing represented. As the total amount shown was equal to the amounts I had been billed during the 3 months that the bills were in error ( and did not include the " bundle '' discounts I was supposed to get ), I advised CenturyLink that the bill was disputed until they could get it corrected - they appear to have responded by sending it to a collection agency. 

When I received their bill I notified the collection agency that the bill was disputed because the creditor refuses to provide a breakdown of charges ( which I know are wrong ). The collection agency subsequently sent me a copy of the erroneous billing, marked as a duplicate and showing an address in XXXX ( I am in XXXX ), which does not include any information other than the disputed amount. 

I contacted the collection agency and advised that the billing remains disputed because it 1 ) does not list what I am being charged for or 2 ) include the discounts that were the source of the initial dispute. Their agent stated that they considered the bill validated and were reporting it as a collection item. My credit monitoring service subsequently notified me that my score has dropped. 

I experienced a job loss several years ago and my credit suffered as a result. It has taken me a long time to rebuild and I am very upset that this collection agency is trying to erase all that hard work. 

I have submitted a complaint to the FCC as well, in the hope that they can get XXXX to correct their erroneous billing - please help me get the collection agency to stop harming me - my efforts to convince them that the billing is wrong ( and should not be paid ) have not been successful. 

Thank you,
Consumer complaint received 2016-02-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I disputed inaccurate information with credit bureaus and creditor and they still report inaccurate and false information on my credit report. I had an auto loan with Capitol One several years ago. the truck was totaled out while I was in bankruptcy and the truck was paid off in wage earner program through bankruptcy. Creditor continue to re age and report inaccurate information on my credit report even through dispute. The XXXX bureaus have different dates, balances, and dates of first delinquiences. XXXX reports that ive made payments I never made. XXXX has XXXX different charge off dates. XXXX says that my balance was paid off from my wage earner account on bankruptcy. This inaccurate information and re aging of my date are illegal by my understanding. Ive disputed sevral times with credit bureas and this is the next step I understand a consumer should take with the Federal Trade Commission.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JPMORGAN CHASE & CO. (IL)

Please help. I filed a dispute with the credit reporting agencies about a balance still being reported as outstanding, after it was cancelled and forgiven by Chase. Also I received a XXXX from Chase for tax reporting, but now Chase is saying that I still owe them even though they issued me a XXXX with a code ( g ) of no further collections. I am reporting this as income for the year 2015. So I 'm confused. I thought that once the XXXX is issued that Chase would show the balance as XXXX on my credit reports, but now they are saying that I still owe them and have to report it as income. So I 'm confused. If I have to pay taxes for the XXXX issued amount by Chase, should n't the balance be reported as ( XXXX ) XXXX balance on my credit reports and is it correct to be reported as a debt and as income? I see this as double reporting. So I do n't understand. If you could help me with resolving this issue it would be greatly appreciated.
Consumer complaint received 2016-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (UT)

I had my XXXX services back in XXXX and had services bundled internet, cellphone XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. My family and I decided to downsize and move. When we moved we removed TV and Cell services and only had internet. Months later I found I had a collections account through Stellar Recovery, Inc. for XXXX for XXXX XXXX I called XXXX and found that the service was for cell service, which was through XXXX. So I called XXXX and was told that they were showing all XXXX amounts were current and paid, however XXXX was showing otherwise. By this time it was to late and was already reporting negative on my credit. I recently disputed this with XXXX XXXX, and XXXX. XXXX had the accounts removed after investigating while XXXX showed it to be still reporting. I refiled an investigation with XXXX today. I do not owe this money ( XXXX $ ). This was a miscommunication issue between the XXXX companies and am not liable to pay this as I did pay in good faith. I would like this to be removed entirely for all XXXX bureaus on my credit and investigated.
Consumer complaint received 2015-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Malcolm S. Gerald and Associates, Inc. (PA)

Sent a letter to collect {$1300.00} for magazine subscriptions that I did not agree to buy. 

this is a fraudulent company collecting a debt from another fraudulent company XXXX XXXX
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate accounts and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine this XXXX account ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed
Consumer complaint received 2024-10-17
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. (AZ)

I kindly request that you PERMANENTLY BLOCK AND DELETE this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

My Citibank credit card number was used fraudulently in XXXX 2015 to purchase goods from an online merchant in XXXX. I notified Citibank within a few days of this happening. I still do not have a credit back yet for the fraudulent purchase amount of {$150.00}. I am constantly given a " run-around '' ; given paperwork to sign ; promised that a credit will appear on my account -- -- only to have it reversed again a few days later. I filed an online police report with XXXX XXXX police regarding the individual who fraudulently used my card number. I do n't know anyone in XXXX. I just contacted Citibank again today regarding the matter, and was told the XXXX merchant 's bank would be allowed to dispute my claim ; YET AGAIN, and even then ; the claim may go to XXXX. The Citibank representative said, " we do n't know what will happen if it goes there. '' Citibank are dragging their feet on reimbursing me the {$150.00} ; yet spend millions of dollars advertising that your card is safe, and that they will stand by their customers. That constitutes false advertising. The fact is, Citibank is refusing to refund me my money. The only refund it " conditionally '', and then it is reversed later.
Consumer complaint received 2015-12-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America illegally transferred my loan to different lenders and banks without proper notification to me. Once I was not in a position to continue my mortgage payments, Bank of America dumped my loan on other lenders and separated my XXXX and XXXX mortgage which made it extremely difficult for me to negotiate and follow whatever crumbs which were left for a paper trail.
Consumer complaint received 2016-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (NJ)

XX/XX/XXXX, I sent a request to validate a debt to ERC collections via certified mail. The letter was collected by XXXX XXXX of ERC collections XXXX and the refused to provide me with the information I requested to validate the debt. 

ERC mailed a letter stating that they were only able to provide me a copy of a fake bill form XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During this time period I did not own any service from XXXX XXXX XXXX as my current service is through XXXX. 

Since ERC is unable to validate the original contract or source of this debt, I am requesting that this item is removed from my credit report and updated to all XXXX major credit bureaus.
Consumer complaint received 2016-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

I haved filed with Complaints against XXXX with Consumer Financial Protection Agency against XXXX and now XXXX is damaging my credit and harrassing me everyday and nights and weekends in trying to collect a debt l do n't owed since 2015. 
My last filed complaints with Consumer Financial Protection Agency was filed on around XXXX XXXX, XXXX.filed XXXX complaint # XXXX. 
XXXX has collection company lC System Inc harrassing me on my cell phone XXXX and leaving voice messages. 
I am on XXXX XXXX XXXX and XXXX. 
I am taking prescribed medications. 
I am also a XXXX Military Veteran. 
Under my XXXX XXXX XXXX Act Laws Civil Rights XXXX or IC System Inc can not collect no debt under Federal Government mandated XXXX XXXX XXXX Laws Civil Rights and XXXX XXXX and XXXX can not display collections on my credit report. 
This is a Federal Government Consumer violations of the XXXX XXXX Laws implemented by Congress XX/XX/XXXX.for XXXX Act.
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (CA)

I am complaining about the deferred interest that 's been added to my care credit account. My fist charges was in XXXX XXXX amounting to {$2500.00} for dental procedure and promotional end XX/XX/XXXX. I have another charges for cosmetic procedure XX/XX/XXXX. I have been paying {$100.00} from XXXX XXXX every month, then in XX/XX/XXXX paid {$270.00}, XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00}, total of {$2600.00} by the end of XXXX XXXX which covers the {$2500.00}. I talked to the their customer service because they were adding the deferred interest of {$1000.00} for not paying the balance. I told them that I was expecting that all the payments I made will apply to the first charges first, the bill did not specify the amount that will apply to the first charges and the second charges. I spoke to them in XXXX XXXX, XXXX if they can waive the deferred interest because of the misunderstanding and they said if I will make a payment of {$1800.00} and did not tell me when the latest I can pay that amount. I tried to borrow money from relatives and deposit the check but did not clear until XXXX XXXX, XXXX. I called care credit customer service again last week XXXX XXXX, XXXX so I can make payment but they said they can not waive the deferred interest anymore because it past 30 days grace period which they said is XXXX XXXX, XXXX. They did not tell me that when they are collecting {$1800.00} from me in XXXX XXXX, XXXX.
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

After my recent divorce I changed my name back to my maiden name. On XXXX, 2016 I called Capital One credit card to make the change and was told that I had to speak with a supervisor. When I was connected with the supervisor I asked why I needed to speak with her and was told that there was a Cease and Desist order on my account by an attorney XXXX XXXX. They could remove immediately, of course. This was my ex-husband 's attorney. I asked how this attorney could do this when my ex-husband had no financial ties to this account nor had I been notified that this order was being placed on my account. While looking for the information I was disconnected. I spoke with my attorney the next day and she was very upset that this had happened and told me Capital One had no right putting the order on my account. She asked me to get a copy of the order. She is contacting the other attorney and getting information from that end. I called Capital One back on XXXX XXXX and after a lengthy on-hold I was told they could not find a written copy of the order, that it must have been given over the phone " verbally ''. I could however make a request " in writing '' that they continue to look for a written copy. When I asked them to explain exactly what this Cease and Desist order was they were very vague and what they told me made little sense. I feel as if my privacy was seriously invaded and I will be cancelling this credit card as I no longer feel safe with this company.
Consumer complaint received 2016-02-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

This issue was reported with cfpb on Case number : XXXX and it was resolved with XXXX ( it was deleted from my credit report ). However, XXXX is reporting the XXXX mortgage with XXXX XXXX and Rushmore Loan Management Service. This mortgage is related to only XXXX property that was voluntarily surrendered and it is related to my first mortgage ( with XXXX XXXX ) that was already deleted from my reports. 

I am disputing the RUSHMORE LOAN MGMT SERVICES credit item because : My property, located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, was Surrendered/Foreclosed with XXXX XXXX. Account is reported in my XXXX Credit Report as : FORECLOSED WITH XXXX XXXX XXXX Account Number : XXXX .... Date Opened : XX/XX/XXXX Status : Foreclosed ; and also in XXXX XXXX Account XXXX as closed. 

Experian Account XXXX belongs to XXXX XXXX XXXX ( which went bankrupt ) and it is a second mortgage that I had with XXXX XXXX XXXX ( XXXX Mortgage was Account Number : XXXX ) My XXXX mortgages ( XXXX for the same apartment located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) with XXXX XXXX XXXX were account # XXXX & account # XXXX. XXXX XXXX filed for bankruptcy and my mortgages are closed. The following accounts are related to the same property located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( collateral for XXXX mortgages as established in my Agreement with XXXX XXXX ) : XXXX XXXX Account # XXXX ( XXXX mortgage ) is currently deleted from my report. 

XXXX XXXX Account # XXXX ( XXXX mortgage ) is currently FORECLOSED/SURRENDERED, but is being reported TWICE in my credit report with RUSHMORE LOAN MGMT SERVICES Account Number : XXXX Status : Open. {$9500.00} past due as of XX/XX/XXXX and XXXX Bank as closed. 

Please correct my credit report since these duplicates/incorrect information is affecting my score. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-02-08
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BBVA FINANCIAL CORPORATION (CA)

I had a XXXX dealership in XXXX Arizona run my credit and issue a auto loan to my cousin without my consent. They ran my credit in XXXX/XXXX/2015 and I never signed any consent for them to do so. I did not find out until XXXX XXXX sent me a letter stating that I had a new auto loan with them. As a result of XXXX XXXX running my credit without my consent Compass Bank Indirect also ran my credit without my consent.
Consumer complaint received 2016-02-08
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (CA)

XXXX/XXXX/XXXX First American http : XXXX This is a complaint about First American Title. I sold a home, Wednesday, XXXX XXXX, XXXX, there were XXXX escrow issues that required funds to be held. At this point all issues are resolved. First American is refusing to release the excess money held. 

My Realtor has attempted to resolve this several times to no avail. The total owed is above {$1500.00}. 

This has happened to many people, the amounts are usually a few hundred dollars, and hiring an attorney would cost more to resolve that the dollar amount in question. 

It has been seven months with no resolution.