davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: GMA Investments, LLC (NM)

Summit Receivables, a collection agency, has failed to honor cease and desist letter by contacting family, friends and employers regarding alleged debt. Agency also misrepresents itself by stating that a check to them was returned for insufficient funds. Company has also failed to send any notice to validate debt. Cease and Desist letter sent XXXX XXXX, 2015.
Consumer complaint received 2015-12-29
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: Nationwide Biweekly Administration, Inc. (MN)

I signed up with Nationwide Biweekly Administration ( a service based in XXXX OH to make biweekly payments to my mortgage company on my behalf ) in XX/XX/XXXX and was charged an {$800.00} initial fee with the promise that over the life of their service to me, I would end up saving more than that amount of money in saved interest. Just 5 months later, NBA notified me that they could no longer deliver the agreed upon service of making biweekly mortgage payments on my behalf due to the loss of their banking relationships. 

NBA 's marketing when I joined said I was guaranteed to save money, and even now their web site claims " Our money back savings guarantee ensures that if you do n't earn your fee back in additional equity and interest savings, you can keep the equity that has been earned and we will refund you all of your money. '' I have contacted the company to demand a refund of my {$800.00} fee since they clearly can not complete the services they promised to deliver.
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

We applied for a mortgage from CCO Mortgage XXXX to help my sister purchase a house. The amount approved was not enough so CCO Mortgage did a second mortgage from Charter Bank. We did not know that the XXXX were the same mortgage company. My sister could not afford to pay the mortgages because the interest rates were so high. We had to apply for a modification. After a lot of complications, CCO approved the modification although they charged a lot of interest and did not do anything about the second mortgage to Charter Bank. So, my first complaint is about CCO Mortgage. While this modification application was pending, Charter Bank sent a notice that its second mortgage was in default. They said nothing about a chargeoff. Later, Charter One send us a letter giving us two choices, one to pay 70 % of the balance and they would chargeoff the 30 % and the other to pay {$200.00} per month with no threat of a chargeoff, only that the {$200.00} would continue until payment in full. A copy of is letter is provided. Then, XX/XX/XXXX. I applied for a refinance of my home and was rejected because the credit report showed a chargeoff of the loan from Charter Bank. Charter Bank, now saying they are Citizens Bank, state that they charged off the loan XX/XX/XXXX The bank reported a chargeoff to the credit bureau but did not in fact chargeoff the loan but continued to keep it active charging interest so that the {$200.00} per month was applied solely to interest. A copy of a statement showing the interest charged is enclosed. It is my opinion that CCO Mortgage knew that my sister could not afford the mortgage but financed it anyway and then they created a second mortgage, which was really with the same company, to illegally put more money in their pocket and intentionally create a situation which we could not afford. They should have turned the purchase money mortgage down. Then Citizens Bank, acting as Charter Bank, reported the loan as a chargeoff without notifying us, and without actually charging off the account. The letter, copy enclosed, led us to believe that there would be no chargeoff if we paid the {$200.00} per month, which we paid faithfully. We have contacted Citizens Bank and requested that they reverse the chargeoff. They refuse to do this.
Consumer complaint received 2015-04-20
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resource Management Group (MD)

I am being contacted by debt collector, Resource Management Group XXXX @ XXXX XXXX XXXX, NC XXXX, stating that they are collecting for, XXXX, on a payday loan from XXXX XXXX, 2011. 

I have pulled my bank statements from XXXX XXXX, 2011 and it shows no payday loans received. Resource management group wants me to send them my bank statements from XXXX 2011 but I do not feel comfortable doing so because I do n't know who they really are. 

I asked resource Management group to provide me with XXXX XXXX telephone number and/or address and they said they did not have it. I also asked Resource Management group to provide me with original loan documents that I signed and they said they did not have that either. 

I then asked Resource management group to mail me a bill that explains what to do if I believe the debt is not mine and they said I had no dispute options with them that I needed to contact the original creditor - XXXX - yet they are still concerned with me turning my bank statements over to them. I have participated in payday loans with other companies and I believe my social security number was compromised form those transactions. All pay day loans that I have actually received are paid in full. 

Resource Management Group will not give me any information on the original Creditor other than their name which is " XXXX XXXX ''. Resource Management group is threatening to go on my credit report. I do not understand why this collection effort is starting 4 years after the alleged debt began as well. 

I have placed a fraud alert with the credit bureaus.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

On XX/XX/year>, I mistakenly submitted a transfer of {$1000.00} from my XXXX XXXX  checking account to an older and already closed account from PNC Bank. After noticing the mistake, I contacted XXXX XXXX  to have my funds returned, but they said that they couldn't do it and told me to contact PNC Bank. After contacting PNC Bank and giving them all the information about the transferred funds, they informed me that they couldn't locate them. At this point, I decided to contact the CFPB for assistance.
Consumer complaint received 2015-04-18
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Ditech Financial LLC (CA)

Green Tree collection agency is reporting that we owe them {$400000.00} on a XXXX purchase money loan. They have sent us a letter saying that we do n't owe them the money, but refuse to stop reporting it to credit reporting agencies. This is preventing us the opportunity of refinancing our home. We have been working to get this resolved since late last year ( 2014 ).
Consumer complaint received 2015-09-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (KY)

hello ive recently put myself in a very stressful situation for no reason. i thought i got frauded by a company called XXXX for {$1900.00} on XX/XX/2015. turns out i do remember talking to them, those sneaky XXXX tried to sell my timeshare. i thought that i didnt realize the charge so called into fraud department of chase and said so, and i thought nothing was being done until i got a letter saying they were doing an investigation. i called into chase acouple times and never got anybody real after the initial call and i just wanted to tell them that IT WAS NOT FRAUD, as matter of fact i remember speaking to severly people from XXXX and they were actually pretty nice, hopefully they can get the job done soon,
Consumer complaint received 2016-02-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (CA)

Hi i am trying to get some help in reaching out to Midland Funding. I discover they had placed an account on my credit and i really do n't know what the account is for. I have tried to contact them for the past several months by mail, so i could have a record of the communication- its no use no one has got back to me.
Consumer complaint received 2015-12-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (VA)

I had an auto loan with Wells Fargo- originated when I lived in NY and purchased a vehicle there. I lived in VA when I paid off the loan, and received a letter from Wells Fargo at my Virginia address stating they would send me the title at my VA address. That did not happen. This week I purchased a new car and need to transfer the title to the old car, the one I bought with Wells Fargo loan. VA DMV says Wells Fargo maintains an e-lien hold on it and Wells Fargo needs to remove it. Wells Fargo says this is an issue for NY. I have no way to get my title cleared at VA DMV ; both NY and VA insist this is a Wells Fargo issue. I have been in to several branches and spent hours on the phone with these people over several days. 

I am bounced from one " team member '' to another with nobody able to help me. They are taking advantage of me and waiting for me to give up instead of fixing the problem.
Consumer complaint received 2015-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

My husband and I both checked our credit reports, as we periodically do. There are several accounts on each of our reports, listing Portfolio Recovery for XXXX XXXX debts. We have never received anything, in writing, from XXXX XXXX or Portfolio Recovery. We have, however, received threatening voice mails from Portfolio Recovery, which we know is part of a possible scam. With all of the scams out there, we will not pay anything over the phone ; and certainly, nothing that is n't owed. We each did have XXXX XXXX accounts, years ago, which were charged off in bankruptcy. We have never received anything in writing, regarding anything owed to this Collection Agency. We only have discovered these on our credit reports. Proper debt collection practices and laws have not been followed. I know this agency purchases debt from creditors, but debts charged off in bankruptcy? VERY suspicious.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion has failed to cease reporting the inaccurate information on my report noted below. I have filed numerous disputes, notified the creditors, hired a credit agency to assist me to no avail. 
1. XXXX Bank XXXX is being reported by TransUnion as charged off, this is not my debt. 
2. XXXX XXXX XXXX is being reported by TransUnion as charged off, Potentially Negative. this is not my debt. and another account 3. XXXX XXXX XXXX account is reporting late payments in XXXX, this is not correct. the account has since been sold.
Consumer complaint received 2016-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (CO)

I do not know what company to send my XXXX mortgage loan payment to. I have received a transfer of servicing notice from XXXX Mortgage indicating that my XXXX XXXX mortgage payment is due to XXXX and I have received a Loan Billing Statement from LenderLive indicating that my XXXX payment is due to LenderLive. I believe that XXXX companies have violated RESPA, FDCPA, and UDAAP subjecting them to civil money penalties and they have created such confusion that I have no idea where to send my mortgage payment which now puts me at risk that my payment will be late or not applied to my loan properly.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (FL)

I received from Wells Fargo many letters offering to refinance my mortgage loan. I called and started the process, sent all the documentation required, and finally they denied the loan for " XXXX ''. I then sent an email to a XXXX complaining ( XXXX ) eleven days ago, and it has been ignored. No response from any XXXX or anyone.
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (CA)

I have a long lasting relationship ( When Wamu was bought by Chase ) with Chase, however, out of the blue, all of my credit cards were closed by them. I called them to try to find out why and they did n't give me an answer but a very generic " unexpected activity ''. That does n't tell me anything as to why all XXXX of my credit cards were closed simultaneously.
Consumer complaint received 2015-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Platinum Holdings Group, LLC (KY)

Was contacted by premium asset services posing as XXXX XXXX law office from the phone # XXXX. Threatened to file with city clerk if I did not pay and provide bank account, or debit card # 's. Would not provide any verification that I owed the debt.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX  - Inquiry In Dispute Derogatory Items Derogatory Items : 1 Account Name XXXX XXXX EXPERIAN Issue Action XXXX XXXX - XXXX XXXX XXXX XXXX  Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). 
In Dispute I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (NE)

The loan servicing of my mortgage was transferred to Shellpoint Mortgage Servicing. A letter from Shellpoint dated XXXX/XXXX/15 said that effective XXXX/XXXX/15 Shellpoint was responsible for ongoing administration of my loan including receipt and processing of my mortgage payment. I called on XXXX/XXXX/15 at XXXX CST and spoke and emailed a copy of the " boarding '' letter to XXXX XXXX XXXX XXXX XXXX XXXX I attempted to make a mortgage payment and was told they have no record of the new loan even though he agreed they sent the letter. He told me to keep calling back until the loan is loaded onto their system. They have no system in place to call me back or allow me to speak to anyone further at this point. 

I have another loan with Shellpoint that they have serviced for some time. They kept confusing that loan with the recent loan transferred to them. In short there is no accountability. XXXX XXXX had no way to speak to their loan servicing department or the department that was " boarding '' the loan that was just transferred to them.
Consumer complaint received 2015-04-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (FL)

On the month of XXXX my debit card was lost, the chase bank call me to confirm is several transaction going on on my account was made it from me, I educate them, that i did not did such of transaction that i did not have my card on my posession, they submit various claim on the account and the credit the amount of the claim to the account. I educate them that my card was atach to entities that i do montly payments and expesify wich entities so they accept the withdraw, they stated that wouldnt be a problem and they rejected all the claim because payment to mentions entities got into the account, i did have to call again so they can resolve issue and correct their mistake, they filed new claims and credit again the account, then they decide to cancel all my account and hold all my money and take away the money back from the account.
Consumer complaint received 2015-09-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (PA)

I 'm trying to get a refinance on my car loan. I 've had it for 2 years, and they wo n't lower the payment. They keep sending me threatening letters and wo n't help me. I need my vehicle and have been struggling with the high payment. I need to get in lowered.
Consumer complaint received 2016-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MN)

Not only was my own mortgage payment drafted from my bank account but in addition, someone else 's loan / monthly payment was ALSO drafted from my account in the same month within one day of each other. Despite several emails, phone calls, promises for call backs, I have not been able to get resolution. I 'm put on hold and then eventually hung up on. I have provided proof of the erroneous draft as well as the other person 's loan number.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

In 2011 my doctot 's office submitted a claim to XXXX XXXX for {$220.00}. This bill was an office error in coding to my insurance company and was resolved and paid in full by XXXX. I visited the doctors office accounting today and they show no balance due. I contacted XXXX XXXX be phone today and they show no balance owed. They said to contact Equifax and have it removed, as it was removed or recalled by my doctor 's office. I do not owe, nor have I ever owed this bill since 2011.
Consumer complaint received 2015-11-09
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TX)

I was in bankruptcy and I had it discharged so XXXX decided to go thru this company called XXXX XXXX so as on XXXX 2015 I had been givingthem {$1200.00} a month to remodify my mortgage loanWell somewhere along the line someone droppedThe ball so now my home was sold and now I haveAn eviction ... what can I do
Consumer complaint received 2015-04-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I went in to a motorcycle dealership to see if I could by a streetbike my credit was in the low XXXX, XXXX So I really was kind of taking a shot in the dark did n't think it would happen because at this point and Time I was unemployed and going to school and had school loans that were on my credit report.Whats so crazy is I walked out there, we 'll actually rode out of there on a brand new motorcycle that I thought I could afford once I graduated from XXXX XXXX and got a good job ( do n't get me started on that sham ) well come to find out that on the loan they put that I worked for who XXXX in order to push it through and make there sell.! Is there any thing that I can do to get this major XXXX up taken care of I had no idea that they XXXX on the loan application and would have never taken the bike if I knew what was going to happen with XXXX thank you
Consumer complaint received 2015-04-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (CA)

We have been unable to obtain a monthly mortgage statement from Seterus for over 2 years. We are presently in a financial hardship due to XXXX and any assistance programs require a statement. We have contacted Seterus numerous times by phone to request a statement by mail, fax, email, Fed Ex, or whatever possible means. They state they have submitted the request, but nothing happens. They have blamed the XXXX Postal Service, but we have lived in our home 20 years and receive plenty of mail. We have received other documents from Seterus such as tax documents or notices sent by certified mail. They are completely incompetent. I just want a statement as is my right as a consumer.
Consumer complaint received 2015-12-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, XXXX, I filed a complaint to CFPB, which Wells Fargo has still not resolved, and now this case is under investigation by a XXXX investigator. I am continuing this complaint because Wells Fargo ( through their foreclosure division, XXXX XXXX XXXX XXXX XXXX ) SOLD MY HOUSE XXXX XXXX, XXXX even though Wells Fargo never proved they or XXXX XXXX had the legal right to arrange a sale. I only received a letter saying they consider the case closed and they are not obligated to provide any more information to CFPB or to me. But this is nonsense. Wells Fargo NEVER complied with the first and most important element of my Qualified Written Request : 1. A full, double sided, certified " true and accurate '' copy of my original promissory note and security instrument and all assignments of the security instrument. THIS MUST INCLUDE ALL ADDED PAGES AND ASSIGNMENTS from XXXX, XXXX through Trustee 's Deed Upon Sale around XXXX, XXXX.
Consumer complaint received 2015-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (FL)

M & T Bank is reporting a foreclosure on my credit report which is incorrect info. 
I had an account that XXXX incorrectly started foreclosure proceedings but we went to court and they lost and we paid off mortgage balance. I have disputed this matter with credit report agency 's as well as M & T Bank however they refuse to send the verification info as to what they are reporting and why.