davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NY)

We purchased our home as an estate XXXX. The executor of the estate failed to notify the Assessor 's office that the owner was deceased prior to these taxes being paid, therefore the exemptions of {$620.00} were applied to the XXXX school taxes. The unentitled exemptions were then applied to the XXXX XXXX taxes. This extra charge on the XXXX XXXX taxes made the taxes appear to be more than anticipated. However, this is not a tax increase and should not be anticipated towards the XXXX taxes. Caliber home loans is taking this added exemption fee as a tax increase and they are raising my monthly payment {$210.00} in anticipation of this being the new tax amount. I have forwarded a copy of the XXXX tax bill clearly showing the exemption removal fee of {$620.00}, a letter explaining this situation, a tax record information sheet that shows a more realistic tax amount, and the letter showing these exemptions being removed late. The company conducted a review by calling the town and asking what the XXXX tax amount was. I am not stating that the XXXX tax amount should be lower, I am stating there was a fee added that should not be anticipated for the XXXX taxes. The representative and supervisor that I spoke with today both stated that they will do nothing for a one off situation like mine and will not accept any proof other than a tax bill showing a lower amount. I asked if I could ask for a more realistic tax figure from my town hall and they refused this is well. I was even told that their research department only handles paying taxes and would probably not even know what to do with a situation like mine. I feel that it is extremely unfair that I am not even able to prove this discrepancy and am being forced to pay an amount that I have expressed is to high and have proof that is incorrect. Their solution is to pay this unaffordable amount from now until the new tax bill comes out in XXXX and if the amount is less they will refund me. This is not realistic as I do n't believe that I can afford the new proposed monthly payment. All I want is a fair review and an opportunity to pay the correct amount.
Consumer complaint received 2016-01-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (SC)

After several back and forth with chase about XXXX debts that was being reported on my credit report is inaccurate I closed the accounts and chase said I received new cards. I have asked for the dates and address where chase sent the replacement cards. the dates and addresses are not right that they have gotten from the public records and I have never received anything from them at my address where I live ... I did receive a letter from in response from a different person again saying they are willing to remove these accounts from my credit ( I have attached the letter ) I responded with a letter telling them they did not need my permission to do that but I gave them permission to remove those accounts anyway, and I have not heard from them nor have the those accounts been removed. I believe under the fair debt collection practice act and or fair credit reporting act they should be able to give me all the information to do with these account and if they do n't have the information they need to remove the accounts from my credit.
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MD)

Dear CFPB : Could you get straight answers to the following questions from Chase? 
( 1 ) As of XXXX/XXXX/2015, our mortgage was current, and the mortgage balance was {$350000.00} on Chase 's book as {$350000.00} on our book. Chase claims that we are default because we did not make payments since XXXX/XXXX/2015. Explain the discrepancy and contradiction. 
( 2 ) Chase claims that they are foreclosing us according to the NOTE. 
Could you ask Chase to cite a sentence ( or sentences ) in the NOTE that is relevant to, justifies, or supports what they are doing? XXXX of our lawyers read the NOTE, but found nothing relevant.
Consumer complaint received 2024-08-30
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. (AL)

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681 section 602 A. States I have right to privacy.

15 U.S.C. 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 168s-2 ( A ) ( 1 ) A person shall not furnish any inmation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-10-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OK)

I previously filed complaints [ Case number : XXXX ] and [ Case number : XXXX ] concerning receiving statements from JPMorgan Chase & Co that are not mine. Today I received a letter from XXXX XXXX Officer Global Compliance Operations JPMorgan Chase & Co stating the issue was resolved. Coincidentally I also received an additional statement that is not mine.
Consumer complaint received 2015-06-01
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

On XXXX/XXXX/2015 I transferred {$650.00} dollars via MoneyGram to a recipient in XXXX. The intended recipient 's name is XXXX XXXX XXXX. He 's my uncle. The Reference Number for the transaction as appeared on the transfer receipt is XXXX. MoneyGram charged me a fee of {$14.00} for the transaction. 

When the intended recipient went to the bank in XXXX to receive the fee he was initially told the Reference Number was incorrect. He called me from XXXX and I confirmed for him that the number was indeed correct. Due to the time difference he could n't go back to the bank. When he went to the bank the following morning, he was told the money had been paid out to somebody else. He called me and I immediately notified MoneyGram. MoneyGram claims to be investigating this fraud, but they rather seem to be facilitating the fraud. I have called MoneyGram XXXX times. Each time MoneyGram Reps put me on hold for at least XXXX minutes and then they disconnect the call. This morning MoneyGram put me on hold, XXXX for XXXX minutes, and then for XXXX minutes. MoneyGram has taken absolutely no steps to investigate this matter. XXXX days after this fraud happened, MoneyGram does not have proof of payment. If that is not facilitating fraud, I do n't know what is. I believe that MoneyGram is stalling, hoping that I 'll go away. 
My name is XXXX XXXX. My address is XXXX XXXX XXXX, # XXXX, XXXX, MA XXXX. My day time telephone number is XXXX. I need MoneyGram to refund to me without further delay the entire {$660.00} I paid to MoneyGram for the transaction. 
Thank you.. 
.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WA)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 

CREDIT COLL ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize the following inquiries. 
XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2016-11-22
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Platinum Holdings Group, LLC (OK)

I have been receiving calls regarding an alleged debt. They have contacted my father-in-law in regards to the debt as well as my mother, numerous times. XXXX third parties verified they had the correct phone number for me and advised them to call me directly. I returned their call and asked for documentation to be sent to me by certified mail. They wanted me to pay the balance by debit card immediately. I explained that I did not feel comfortable with that, until I saw documentation. To include the original alleged creditor, amount, etc. I was transferred to another dept. and they left me on hold for several minutes. I attempted to call back and no one answered. I received another call from them on Thursday XXXX and asked again for documentation. They transferred me to a man named XXXX and he said he had already sent mail. I explained that I had not received mail from them and he said " Why do you want a letter, are you going to dispute this? '' I responded possibly, but I do n't know until I can verify through documentation. He hung up on me. Today, XXXX/XXXX/16 I received a call from the same company at approximately XXXX I again asked for documentation and the girl who I spoke with transferred me to a gentlemen. He stated his name, but I could not understand what he said. He refused to spell his name, or repeat his name. He stated he did not have to tell me his name, I owed him {$800.00} and he was not sending me documentation. I asked several times for his name and he refused. He stated I would know his name when they " put me jail '' for not paying my debts. He also called me a liar and said the only documentation that I needed was my credit report, because it shows I do n't like to pay bills. He then stated " pay your bill '' and hung up. I attempted to call him back several times. and each time he would answer and say " just pay your bill '' and hang up. I called again at approximately XXXX and this time he took the call, but with out speaking. I asked to speak to his supervisor, asked for his name, asked to receive documentaion, so that if this was a matter that need to be resolved I could proceed. He refused to speak. He sat in silence for XXXX minutes and XXXX seconds.
Consumer complaint received 2023-08-05
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. (NJ)

XXXX XXXX marked me late on a mortgage payment in XX/XX/2023. This is false. Please remove this immediately from my report or Ill have to take legal action
Consumer complaint received 2015-09-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

we was told by underwiter and my customer assistance person that if we move back into the property that me and my husband will qualify for a loan modification ... however they denied the modification on XXXX XXXX 2015 and reason for denial is that we do not live in the property, which is a lie, we moved from XXXX texas back in the property with all proof, to be denied XXXX months ...
Consumer complaint received 2023-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (SC)

During the merger of Suntrust and BB & T errors occurred that did not allow the processing of autopay. There were periods when there was no access to the account at all and it took many months to resolve the glitches. These glitches resulted in payments being posted for my creditors late on two separate and consecutive occassions. 

I would like an acknowledgement of the issues that occurred so that I can have documentation to submit with my dispute. These late payments have caused several credit issues upon applying for business loans and I do not have a way of proving the problems that occurred. The did a great job at damage control but keping a lid on the problems made it difficult to address the issues i encountered and dispute the payment issues with the credit bureau.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: World Acceptance Corporation (PA)

World Finance believes in treating all customers with respect and transparency from their commitment to comply with applocable federal, local, or laws. There's no World Finance Branch in any vicinity nearest the XXXX XXXX region for me to request those records from being lost in history. A loan was repaid on my car without being added to my credit.
Consumer complaint received 2016-07-15
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (SC)

I have XXXX savings accounts and XXXX CDs at Synchrony Bank. Interest for all accounts in credited on the XXXX of each month. My account statements also cut off on the XXXX of each month. I view my statements online at the bank 's website, Synchronybank.com. The bank has not been able to produce any statements for the month ended XXXX XXXX, 2016. The activity for individual accounts can be viewed online. The CD accounts show a credit dated XXXX XXXX with the caption " Transfer Int to Acct '' but the amount has not been added to the account balance. There are no entries for the transfer of that interest to my savings account as is the normal process. The bank blames the problem on a new system that is not working. They continue to ask for patience. I have too much money deposited at the bank to continue to be patient.
Consumer complaint received 2016-01-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Mortgage note has an endorsement undated and the actual possession or date in which Bank of America came into possession can not be established. Assignment of mortgage was robo signed by XXXX XXXX. It is apparent Bank of America attempted to assign interest in itself and used false exhibit in my foreclosure case and recorded against my title which is Fraud.
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIOT REPORT.Accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ; Inquiries XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2023-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

I refinanced my Fifth Third bank loan with XXXX XXXX. A pay off check was sent from XXXX XXXX XXXX XXXX ( via XXXX ) to Fifth Third bank on XX/XX/2023. That check was received at Fifth Third bank on XX/XX/2023 and signed for by XXXX XXXX ( an employee of Fifth Third ). XXXX records indicate that XXXX XXXX signed for the check at XXXX XXXX. 

After several days passed and the check was not processed ; XXXX XXXX contacted Fifth Third and was told that they were not able to locate the check. The XXXX XXXX agent was instructed to stop payment on that check and to resubmit a new payment. XXXX XXXX sent a second check to Fifth Third ( via XXXX ) on XX/XX/2023 and it was received at Fifth Third on XX/XX/2023 at XXXX XXXX.. Again the second check was received and signed for by XXXX XXXX XXXX 

I contacted XXXX XXXX on XX/XX/2023 to get an update on the closing of the Fifth Third account. The XXXX XXXX agent told me that he was told that the second check was received in the proper Fifth Third office on XX/XX/2023. 

After receiving this information I contacted Fifth Third. I was told by Fifth Third that I was being charged additional interest on the loan because their records did not show that a payoff check was received until XX/XX/2023. 

I filed a complaint with Fifth Third because I am being charged additional interest because the account was not closed on XX/XX/2023. Fifth Third received a check for {$250000.00}. The payoff amount on XX/XX/2023 was {$250000.00}. Fifth Third refuses to take responsibility for misplacing the initial check that was sent and received by them in XXXX. The difference between the amount of interest I'm being charged and what Fifth Third says I owed ( because they misplaced my check ) is {$1900.00} I was told on XX/XX/XXXX, by Fifth Third, that my complaint was being denied because there was no way for them to verify receipt of the first check " matter closed '' .The reason XXXX XXXX XXXX the payoff check to Fifth Third by mail is because they were not given an option to wire the payment to Fifth Third. I was told by Fifth Third, before any payment was sent, that all excess funds would be returned to me.
Consumer complaint received 2023-08-19
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. (FL)

attached is the CERTIFIED MAIL FROM XXXX XXXX. XXXX is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX XXXX XXXX  Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX Open options Account # XXXX XXXX XXXX XXXX XXXX  Open options Account XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXThese accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Consumer complaint received 2016-12-15
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

COMPLAINT AGAINST BANK OF AMERICA AND XXXX We had difficulty paying our home mortgage and sold the house on short sale 2013. The mortgage was with Bank of America. Bank of America approved the short sale and accepted the proceed for full satisfaction of the XXXX ( first and second ) mortgages on the property. We have all the documents to that effect. 

The second mortgage is entered in my credit report as a debt that I am owing. It is showing in XXXX XXXX and XXXX that the debt was transferred to another lender. In the same report it is stated that the debt is legally paid in full. 
XXXX XXXX entered it as a delinquent mortgage. 

It appears Bank of America sold the mortgage after accepting the proceed from the short sale as full settlement. Bank of America and XXXX XXXX are in collusion in these transactions. 
These XXXX derogatory entries in our credit report are adversely affecting our credit rating seriously. As a result we are having great difficulty getting a mortgage to buy a home. This is causing us serious pain and distress..