davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

This debt is being reported on my credit reports without validation of debt. I disputed this debt with Calvary Portfolio Services on XXXX/XXXX/2017. To date I have not received ANY correspondence validating the debt in which they say I owe and what is being reported to all XXXX Credit Reporting agencies. As of today it has been a total of 81 days since my original request and this company has ignored me and failed to provide validation of this debt. However, Calvary Portfolio Services, LLC., is still reporting this alleged debt to all XXXX credit bureaus monthly. This has adversely affected my credit score and has limited my credit worthiness.
I initially requested DEBT VALIDATION from Calvary portfolio on XXXX/XXXX/217. I never got a response validating the debt. What I received was a letter dated XXXX/XXXX/2017 stating they were in receipt of my dispute letter and could not investigate because my " dispute '' lacked information that would allow them to investigate. What I requested was debt validation. In that request I specifically stated that this is NOT a refusal to pay but a request for debt validation. However, Calvary Portfolio decided to ignore my request for debt validation and simply label it a dispute. This was done twice. The same exact correspondence was sent again on XXXX/XXXX/2017 after I sent a SECOND written debt validation request.
Calvary Portfolio continues to report this invalidated debt on my credit as verified. What exactly was verified that would validate this debt and prove that I am in fact that responsible party and why have I yet to see such information. Calvary Portfolio has and continues to violate my consumer rights.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX 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. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

On XXXX/XXXX/XXXX, I was trying to purchase a concert ticket from someone ( XXXX XXXX ) in Maryland, whom I met online. The person said Wal-Mart had a Moneygram service we could use which would not let the receiver pick up the money without receiving a reference number that comes printed on the ticket. Wal-Mart confirmed that this is how the service works. I set up the money transfer for {$200.00} and received Reference Number 1. The same day, I received a call from the person saying that she did not have her ID and needed me to change the name on the Moneygram transfer to her friend 's name, " XXXX XXXX ''. I went back to Wal-Mart and they could not find the transfer based on the Reference Number 1. Apparently the reference number had changed somehow. Wal-Mart could not explain it. The transfer reference number had somehow changed to Reference Number 2. Wal-Mart was able to track down the transfer by calling someone, and said they would put in the new name on the transfer and would provide me a new reference number ( Reference Number 3 ). When I did not receive the ticket in the mail, I went back to Wal-Mart on XXXX/XXXX/XXXX and tried to pick up my refund. Wal-Mart said the money had already been received by XXXX XXXX and that I was not bale to receive a refund. I filed a complaint with Moneygram and they said they could not give me a refund. I believe the Moneygram service is flawed and they should reimburse me my {$200.00}. If people can use the service to scam people without receiving a reference number, then Moneygram should fix the problem or reimburse those who get scammed..
Consumer complaint received 2023-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

My spouse and I closed on our house XX/XX/XXXX and the loan servicing was transferred to Specialized Loan Servicing ( SLS ) on XX/XX/XXXX. 

At closing ( XX/XX/XXXX ), we paid XXXX  months of property taxes, {$6600.00}. This should have been for our XX/XX/XXXX tax payment and to fund our escrow account. 

SLS was responsible for paying property taxes out of our escrow account in XX/XX/XXXX ( XXXX mths ) and XXXX of XXXX ( XXXX mths ), but did not pay the taxes on time, total missed payments for XXXX of {$11000.00}. 

As of XX/XX/XXXX, SLS was holding XXXX months of property taxes and still had not paid the XX/XX/XXXX & XX/XX/XXXX tax bills. This violates federal lending laws. 

In XX/XX/XXXX, SLS inexplicably issued a {$4100.00} refund to my spouse as if there was an overage in our escrow. This was only due to taxes not being paid at all in XXXX. 

On XX/XX/XXXX, SLS paid XXXX XXXX {$5500.00} for the XXXX XXXX half taxes and another {$5500.00} for the XXXX XXXX half taxes. 

Then, in XX/XX/XXXX and XX/XX/XXXX, SLS shows they paid {$4800.00} for our property tax payments, an amount that was short by {$750.00} each time. 

But, XXXX XXXX 's records indicate that {$5600.00} was received in both of those months, which indicates a cumulative {$1500.00} accounting discrepancy from SLS 's transaction history. 

In XX/XX/XXXX, SLS sent an escrow shortage letter showing a - {$5400.00} negative escrow balance with a {$2100.00} required minimum, and a {$7600.00} total escrow shortage. 

SLS then notified us of a $ XXXX escrow shortage to be added on to our regular mortgage payments for XXXX  months, to make up for their ongoing mishandling of our escrow account. 

SLS is responsible for the missed payments and massive discrepancies in our escrow balance resulting in the {$780.00} a month shortage. 

SLS at no point provided any communication regarding missed payments in XXXX or that the balance therefore was severely different than the escrow analysis provided. 

I called them to discuss the shortage in XX/XX/XXXX and they did not notify me of missed payments on their behalf. 

Last week, I returned their call and notified them that I intend to file a dispute. They logged the call in their system with a note that I understood and agreed to the shortage amount. 

After XXXX  months, our taxes have never been paid correctly nor has SLS accounted for our escrow funds correctly. 

They continually stonewall us and do not tell the truth. Attached please find the documentation from XXXX XXXX and SLS.
Consumer complaint received 2017-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Placed an order with XXXX in XX/XX/XXXX for fig trees to be shipped in XX/XX/XXXX. It 's XX/XX/XXXX, and shipments were nowhere to be seen. Seller does not respond to emails, and does not have a valid phone number to be reached. Contacted PayPal, and case was closed due to over 180 days. PayPal had suspended the seller 's account long ago due to fraud, and yet failed to contact buyers that had made purchase with seller. PayPal refused to refund buyer using their 180 day policy even knowingly there was a fraud with seller Seller : XXXX XXXX aka XXXX XXXX aka XXXX aka XXXX
Consumer complaint received 2017-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (UT)

I contacted Dovenmeuhle as they are the mortgage servicer for XXXX to resolve a dispute over a mortgage payment. The company had me showing as past due even thought I have made additional payments and should be paid more than two months ahead. I was advised by the representative that I am not allowed to make additional payments and that even when I do, they are put into a suspense account and are not applied to my loan, thus decreasing my principal balance and, over the life of the loan, my interest costs. This does n't sound right to me. As long as I am meeting my contractual obligations to them I should be able to pay as much and as early I 'd like as there was not stated prepayment penalty in my loan note.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

I opened a debit checking account with Chime, a bank or financial company and deposited {$2000.00}. This was in XXXX deposits, XXXX {$500.00}, XXXX {$500.00}, and XX/XX/XXXX of {$1000.00}. Shortly after that I found the account blocked by chime. It concerned a deposit made into my home bank, XXXX XXXX XXXX on XX/XX/XXXX. This deposit was a settlement from XXXX XXXX of about {$4900.00}. 
This was determined after many phone calls and emails. I provided Chime with proof of ID, and verification of the deposit from XXXX, with a copy of the original invoice. This was done several times. At the end of XXXX chime closed my account. They no longer replied in person on the phone. 
Finally XX/XX/XXXX, after nearly three months of calls and emails I was informed I would receive a refund of my money within 14 daysnothing for nearly a month, except an email from chime inquiring about my asking about a check about ten days ago. I have written emails to whoever signed these emails for an explanation. Nothing. in reply from chime since then to the present. 
We have never experienced anything like this. It seems to be a fraud. This money is very important to our family. Thank you for your solution to this situation.
Consumer complaint received 2017-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Our private checking acct was hacked and a fraudulent wire transfer was submitted through online banking to an individual we have never met/nor heard of. Chase bank refusing to return {$870.00} back into our 'new ' account until investigation is complete. They also stated 'there is no guarantee that you will get your money back. ' In addition, we went to branch manager and requested his assistance and he was unable ( due to superiors above him ) to return the $ , their instruction to him was they could not return the $ $ because our 'frozen/dead account was in a negative balance. ' The negative balance is equal to the amount that was stolen ( fraudulently wired ) plus the amount we withdrew to open a 'new account ' with new identification information to prevent further fraudulent activity. We have a copy of the document proving the date, time and what bank and customer got the . We also have a text message from Chase to my husbands cell phone with a message stating 'you will no longer receive fraud alerts at this phone # ' from XX/XX/XXXX, which appears to be when someone hacked his phone/online banking and changed the fraud alert main phone number from his cell to another phone number. The branch manager has been extremely helpful and equally frustrated because his 'people ' with Chase are missing the big picture. We are unable to pay our house payment and other bills will be delayed because of all of this. Chase could care less and basically told my husband you are 'screwed '. This is unacceptable business practice and we have a police report and the routing number of the bank that accepted the illegal wire transfer. The police report # is XXXX XXXX Police Dept. Officer XXXX # XXXX. XXXX Tx. Ph # XXXX. The checking acct # below is the new account because as far as Chase is concerned, the old one is dead ( the hacked/frozen acct. )
Consumer complaint received 2023-06-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm reaching out to your company because I am seeking assistance with having the credit bureaus do their due diligence in rectifying discrepancies found on my credit reports. This issue is has been escalated because the companies are failing to do their job. 
In XX/XX/2023, I initiated factual dispute letters on behalf of myself to Trans Union, XXXX, and XXXX. The letters contained detailed information and facts to support my claim of an accuracies on my credit report The accounts that I disputed were the Department of EducationXXXX XXXX XXXX XXXX and XXXX. All of these accounts are reporting inaccurate information to the three credit bureaus which is detrimental to my financial health. 
Previously I have submitted disputes but I am encountering the same results with each bureau as they are claiming to have done investigations in which the information is verified through templated responses. However, I challenge that as incorrect/not legitimate as it only takes a quick look at the reports, l to see that something is amiss. They have a responsibility to reports verified, fair and accurate information and they are not doing so. I also reached out to the creditors and they are unable to provide assistance. 
I did receive correspondence from the bureaus and I will attach it in the attachments section of this complaint form.
Consumer complaint received 2023-06-06
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. (IL)

I have contacted Equifax several times about the inability to access my account, the reporting of inaccurate information, and the removal of an inquiry I did not authorize. I have sent letters, spoke on the phone, and submitted online disputes through a 3rd party. I have not received any information or proof of owing certain debts. Also, disputes have been pending over the 45 allowable days with no response. 
The information for my student loans is incorrect. The information is outdated and showing I still have debts, and all accounts are paid and no longer owing. 
I have asked them to remove an inquiry from XXXX from XX/XX/2022 because I have not authorized any application from this retailer.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I have made contact with XXXX XXXX on XXXX/XXXX/XXXX regarding a FHA Loan on my credit report. They have taken NO action. This mortgage loan was opened in XXXX/XXXX/XXXX address is XXXX XXXX XXXX XXXX, MO XXXX phone numberXXXX reported XXXX the social security number on the account is one number off of my social security number. 
The account number is XXXX date of last payment is XXXX I need this and all the alias names that are from this account removed ASAP as I I trying to get pre approved for a home mortgage. 
Equifax is reporting it on my credit. 

XXXX XXXX phone number is XXXX Please notify me ASAP as this is causeing me to not buy a home
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

This is my second notice. I sent letters to XXXX, Experian and XXXX with no resolve yet. I asked for my name to be corrected within there system and I sent along a copy of my State ID with the correct spelling of my name. Anything else with my name misspelled should have been deleted along with the charge off accounts. This is effecting my credit and this should have been resolved.
Consumer complaint received 2023-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

XX/XX/23 Freedoom Mortgage automated withdraw additional {$1500.00} on top of {$1600.00} on my monthly payment. They automated changed my monthly payment from {$1600.00} to {$3200.00}. Never have an escrow account, I pay my own taxes and insurance. They billed a escrow shortage amount of over {$8000.00}. I have been on the phone for more than 4 hours, and got hung up by one of the customer service agent, got transferred back and forth 6-7 times between customer service and the escrow dept and the problem still has not been fixed. I did request to remove the escrow account because I never have escrow/impound and always pay my taxes and insurance very on time since I have the loan.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency cant furnish an account without my written instructions.

15 U.S.C 1666B : a creditor may not treat a payment on a credit account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I deposited check number XXXX for {$9600.00} into the above referenced account on XXXX/XXXX/2017. A hold was placed on {$4600.00} immediately, with {$5000.00} depositing into my account however, the check needed to be verified by the maker. Capital One attempted to contact the company I work for, however was unsuccessful and immediately blocked access to my funds by closing my account, and saying the check is fraudulent. I have since attempted several times to get the bank to reinstate my account as the funds have cleared XXXX ' bank account, as verified in the email displayed below. Capital One is holding onto my funds and will not release them. I want reinstatement of my account or open a new account with Capital One 360 ; and as the last resort, send a check to me. These funds are for contract work I do for a XXXX XXXX, XXXX. Included is the check stub for this deposit, the invoices related to deposit and screenshots of my account online. One more note, why would interest still post to my account if it is closed?
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

We were issued a XXXX Loan # XXXX on XXXX XXXX, XXXX. That mortgage was transferred for servicing to PennyMac Loan Services , LLC ( Now Loan # XXXX ) effective XXXX XXXX, XXXX. Since that time, PennyMac has erroneously claimed on 3 separate occasions that we have failed to insure our mortgaged property at XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. On 2 prior occasions we have provided proof of insurance and on both occasions they have attempted to charge us for exorbitant insurance, which obviously, we refused to pay. Now, they are erroneously claiming for a 3rd time that we did not have insurance in XXXX ( including several months prior to them servicing the loan! ) and they are now attempting to charge us for {$4400.00} for Insurance Escrow when our insurance is already paid in full for the entire year expiring on XXXX/XXXX/XXXX. Today, we are sending them for the 3rd time, proof of insurance from XXXX XXXX XXXX XXXX covering the period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. Please stop PennyMac from this continuous harassment and require them to correct their records. Additionally, our loan documents specifically demonstrate that there is NO ESCROW money required. Thank you, XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I've never paid attention to my credit, and recently I signed up for a credit monitoring site and noticed my information has been comprised. I never used my credit before but now. I want to start utilizing my credit. so please remove this incorrect information from my report. I have no knowledge of these accounts, nor have I tried to open these accounts. I have disputed this account information as inaccurate with them, and they have failed to respond to me, and it's been over 60 days.
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (OK)

I just saw on XXXX that IC systems is listed as collections for XXXX XXXX This debt is unverified. I have had this issue with the same company before. Last time it took me six years for them to remove it. They keep reporting unverified debt.
Consumer complaint received 2017-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I have federal and private loans with Navient. Never been late in my entire history except for one other date ( aproximently 1 year ago ) and it is because of the very same reason. I pay both loans separately as always. My two XXXX payments were ALL applied to one loan and the other was left unpaid. I changed absolutely nothing in my payment process and was surprised when I got notice of a late fee notice near the end of XXXX. At first I thought it may have been an error on my part, but upon checking with my bank and confirming with Navient this was not the case. Upon my first call on Thursday XXXX XXXX I was told this was going to be taken care of in 24 to 48 hours and they understood the issue. Saturday XXXX XXXX I received a treating call that I was late on my payments. Again I explained the situation and was again told 24 to 48 hours. Next day I called back and was told completely different time frame of XXXX XXXX for the late fee and payment to be corrected. I asked them again to confirm my repayment address and was told contrary information as to the previous. I demanded to speak with a supervisor. He told me my repayment addresses and account # 's etc were correct the vary same way I had originally been doing it. Today is XXXX XXXX and nothing has changed. Who will hold them accountable if they want to do this again next month? and the month after? I work very hard to make my payments even when i was out of work. Upon further inspection it appears they have been taking my extra payments and applying them where ever they see fit and not to where I post them. They pay have to principal and have to interest, is this even legal? I admit this is my fault for not paying closer attention. I feel there is no where to turn to for help. Please watch your loans carefully so that the same does n't happen to you. My loan was initially supposed to be paid off in XXXX after being sold to Navient it is now pushed back to XXXX per all the fees and wrongly applied payments.