davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (OR)

On XX/XX/2019, I used the company 's online payment system to schedule my mortgage payment for withdrawal from a linked savings account on XXXX ( due date ). Moments later, I received a payment confirmation complete with a transaction identifier. Checking daily since XXXX, I have been waiting for the account to be drafted. Today ( XXXX ), I called to confirm the payment was processed only to learn that since this was my first payment with the new mortgage collector, I had to submit payment by check or over the phone. Had I not called or checked, this would have been a late payment with fees. The company should not send payment confirmations if they do not intend to draft and I feel this is a way for the company to collect late fees for people who think they have scheduled payments but do not go through. ( Not to mention the impact to their credit scores. )
Consumer complaint received 2016-01-21
Product: Payday loan — 
Issue: Can't contact lender — 
Company: High Point Asset Inc (MD)

I received threatening calls from a debt collector ( naming me as a " person of interest '' in a legal matter ). They claim I owe multiple lenders due to several payday loans that were sent to my banking institute from XXXX to XXXX. The company is called HIGH POINT ASSETS INC. They are calling on behalf of several lending entities that allegedly deposited funds into my bank account in {$400.00} increments ; totaling up to {$2600.00} over a period of two years. The representative asked me to verify the last XXXX digits of my SSN and my current mailing address, none of which did I provide. Instead I asked the caller to confirm what they already have on file and s/he gave me information that was over XXXX XXXX XXXX ( clearly the information was not active during time they are suggesting I took out the loans ). And to add insult to injury my place of employment as well as banking institution the " said '' funds were deposited was also incorrect/inactive. This company is operating under false pretenses -- an atypical SCAM artist to say the least. PLEASE do not verify your vital information with them, request that they send you something in writing before moving forward!!!
Consumer complaint received 2015-12-21
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (PA)

Although I am aware that they are not a bank, Paypal has frozen my account and are saying that they are holding my funds for 180 days do to a high risk of fraud. I have filed complaints with the XXXX and the XXXX for a civil liberties violation as well. Paypal should not be allowed to play with people 's money this way. All of my customers are completely happy and I have had zero complaints. They are claiming to hold my money because they need to protect themselves from chargebacks or disputes but again, I have documentation that all of my customers are completely happy with their purchases. Paypal may not be a bank but they operate as XXXX yet use the " we are not a bank '' excuse to hold practices that are not only unfair but may also be illegal. Paypal needs to be investigated for its lies and deception to its consumers. They are holding over {$1600.00} in this account that is money I earned and should be able to withdraw. Unacceptable.
Consumer complaint received 2017-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ID)

My grievance is that Pennsylvania Higher Education Assistance Agency will not count my current or past payments as qualifying payments towards the PSLF. Before I upload documents to their service department I am funneled into choosing a category/reason for uploading so that an automatic robotic response is given based on the category chosen. I used this means to upload proof of payment history and supporting documents and receive an automatic response based on the category rather than a personal response from someone who read through my documents. On XX/XX/XXXX my student loans were transferred from XXXX to Pennsylvania Higher Education Assistance Agency XX/XX/XXXX : I called the Dept. of Education number from studentloans.gov and spoke to representative. Here are to key points to that conversation : 1. I was told to get onto an income based payment plan in order to make qualifying payments for the PSLF 2. I was told that as long as I was on one of these payment plans my payments could be backdated as qualifying payments once my employer was certified as a qualifying non-profit agency.
3. I was placed on the REPAYE payment plan during our conversation. I remained with XXXX as my loan servicer at this time until my employer was verified as qualifying. I made monthly payments and was able to submit my employer as qualifying. Upon verification of my employer, my loan was transferred to Pennsylvania Higher Education Assistance Agency and have spoken with them and emailed proof and payment history showing them that A. I have been on a qualified payment plan since XX/XX/XXXX and B. I have been making monthly payments faithfully under that plan that should have " qualified ''. C. They are aware that i qualify because they recalculated my payments two months ago and my past two payments STILL do n't qualify according to their robots.
Consumer complaint received 2024-10-18
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: Experian Information Solutions Inc. (FL)

15 U.S. Code $ 1681c-2 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER TACTICS FROM EXPERIAN
Consumer complaint received 2017-03-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: COMMERCE BANK (MO)

Our car was stolen with my wallet in it. It had my debit/credit card. The thief used the card via debit several places before we discovered car gone charging XXXX at several stores. Our bank investigator was hateful and denied charges. We reported it stolen with a few hours. The bank denied us and said they wont give us out money back, None of it. Commerce Bank
Consumer complaint received 2015-10-28
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (SC)

I can not get my money off rush card. I get paid XXXX times a month and I have part of my paycheck going to rush card. Thank XXXX it is not my entire check. For over three years I got paid two days earlier and until XXXX 2015 rush card put me in a situation because my money did not show up. I did not have access to an agent or online and today the same issue started over. Giving me extra money or waiving fees is fine, but how can rush card help me when I know for a fact I get paid two days early and called and was informed I had a balance. I went to a gas station and was stuck!
Consumer complaint received 2016-05-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MI)

We currently have an FHA loan & after 5 years, we are eligible by law to drop our Private Mortgage Insurance ( PMI ) if our debt to equity is below ~78-80 %. Nationstar Mortgage is denying us, because they are claiming it is based on the original loan value. However, in their letters they stated that it 's either the loan value OR current market value. I tried tirelessly to a contact a representative at Nationstar Mortgage to get an appraisal done ( at my expense ), but I am getting runarounds and other excuses as to why I am not able to get this process completed. They are insisting that I refinance my mortgage in order for this to occur. Over a year ago, I was able to contact a representative and he explained the process that was needed to be done. However, I was n't eligible by law because I did n't hit the 5 year time frame. Now that the value of my house is well above $ XXXX ( rough estimate to meet the % requirements ), it is now time for the PMI to be removed indefinitely, with a credit back to me from Nationstar Mortgage for not working quickly with me to resolve this.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NM)

I got behind on my mortgage payments the last part of last year ( 2015 ) I applied for a modification, as I was instructed to do so by XXXX bank and not to make payments. My loan then was sold to SPS and my modification was denied, I submitted an appeal which is currently in review.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

To whom it may concern : This issue is in regards to 3 different accounts. I have one credit card account that is showing up on my credit report, of which I disputed and asked for verification. I sent two Certified  letters. One dated XX/XX/XXXX and one dated X/XX/16 directly to the credit card company to dispute this particular account that is reflecting on my credit. I then also disputed directly with all three of the credit bureaus through a letter sent X/XX/16 since I did n't receive a proper response based on the reporting guidelines. I have two additional accounts that are my mom 's that I am listed on as an auth user. In response to my letters, these trade lines were taken off of my credit, and the one in question still remains, and then started to report monthly as being over limit. I have been working relentlessly through writing letters and calling to resolve the issue, but to no avail. My credit scores have since plummited and it is affecting my ability to obtain any kind of credit, and more importantly, close on a home. I am becoming very frustrated. Every time I call the company directly, there is a " report '' generated to look into the issue, but I 'm told it can take up to 90 days to resolve. Then when I call back to find out what the resolution is, it 's never resolved. It 's a constant run around.
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC ()

Debt with XXXX XXXX was created in or around XX/XX/XXXX ( 14  years ago ) by an ex-boyfriend who had stole my personal information and opened several utility accounts in XXXX, Texas as well as in XXXX, Texas and their may be others that I am unaware of. Since finding out about the account years later when it went into collections ( as I never received original bills, because they were for an address that I did not live at ) and the collection company ( Portfolio Recovery ) hunted me down. I tried to take the steps necessary through their company to report it as fraud, but they relentlessly attempted to collect the debt, calling multiple times a day and even late into the evening. At one point I disconnected my phone because of their level of harassment. They started their attempt to collect the debt in XX/XX/XXXX ( approximately 6 years after the debt was created by XXXX XXXX ), and they have continued to send letters, and make phone calls to this date. I have now been contacted relentlessly for 9 years, even after filing the paperwork through their company to claim this as a fraudulent account.
Consumer complaint received 2017-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

XXXX from XXXX XXXX XXXX XXXX contacted me via a recorded phone call on XX/XX/XXXX about a debt I uncured with Belk. The account number was : XXXX. We agreed to settle this account by paying {$350.00} through 3 consecutive automatic withdrawals. Please see the following : XXXX XXXX Withdrawal ACH XXXX XXXX XXXX XXXX TYPE : payment ID : XXXX DATA : XXXX XXXX XX/XX/XXXX CO : XXXX XXXX XXXX XXXX XXXX. On XXXX, I was contacted by a different collection agent from XXXX who asked me to pay about {$560.00}. I explained to this agent that I had an agreement with a previous agent from XXXX XXXX XXXX and that I thought the 3 payments were already withdrawn. I checked my account and found that only one payment was withdrawn ( See the above ). I checked my credit report and I was shocked to learn that SYNCB/BELK has reported that a balance of {$580.00} was written off. I wrote a letter SYNCB/BELK in which I explained that I, with good faith, have agreed to pay and that it was not my wrongdoing if the collection agent from XXXX XXXX XXXX did not do his job and that they should not report this account as a WRITTEN OFF. On XX/XX/XXXX, I was contacted by a Law Firm called XXXX asking me to pay {$460.00}. I sent to this law firm all the information I have and I explained to them that XXXX XXXX XXXX is aware of my payment efforts and that it refuses to share the audio recorded agreement I had with XXXX back in XX/XX/XXXX. In addition, the numbers do not add up : {$580.00} was written off. I paid {$110.00} as shown above in my checking account.
Consumer complaint received 2017-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I pulled my three major credit reports, and I noticed there were a number of medical collections being reported by Commonwealth Financial. They are from 4 to 5 years ago, but only began reporting at the end of XXXX. I never knew these collections existed before seeing them on my reports. I have disputed them with the various bureaus, but they arent all deleted. Some, Commonwealth Financial reported back as verified as being accurate. Ive looked into it and see that Commonwealth Financial isnt even a legitimately licensed collection company. According to the clerk at the Florida Office of Financial Regulation, she said that Commonwealth 's license to collect debt in Florida was revoked in XXXX. Im not sure if this has something to do with why Im seeing collections that Im not sure even exist, or what is happening. But I dont understand they can verify debts they arent even licensed to collect on. And if they cant collect, how are they supposed to inform me of it so I can properly get it taken care of before it ruins my credit?
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (GA)

Purchase from Park West Gallery XX/XX/XXXX, sold to me after alcohol served by seller & product value misrepresented. Three days later I attempted to verify value of paintings, I contacted the company & advised their representative misrepresented the value & I cancelled shipment & told them I did not want their card, this was the first time I was told about a restocking fee, I advised that I was aware they have been sued for this type of fraud before & I would not be paying any fees. XX/XX/XXXX I received a bill from them {$99.00} I contacted the credit company disputed charges and advised they were fraudulent as I told Park West to cancel the card, and I never received or activated a physical card. They again cancelled the card and investigated. XX/XX/XXXX another card was opened in my name charges for {$65.00} were placed on the card and I received a bill. I contacted both the credit card company and Park West and advised I would not pay because I did not agree to the charges in the first place. They sent me an unsigned invoice and a signed sales draft ( that does not mention any restocking fee ) and a letter that has a breakdown of the fee. It indicates they had the value of the paintings at well under the {$400.00} to {$600.00} each that they gave as the value when they sold them. I received a credit alert last month that they reported the account as closed and delinquent, I disputed the account, but it has come back as verified. I do not owe Park West Gallery anything and this needs to be removed from my credit.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Fraudulent information is linked to my identity. Accounts and transactions were wrongly attributed to me without consent, causing distress. I'm an identity theft victim and have reported this. This urgent issue is harming my finances and reputation. Remove all fraudulent information from my credit report quickly and investigate thoroughly. I'll provide evidence and may take legal action if needed.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (GA)

A company identified as : CBNA made hard pulls of my XXXX credit report on XX/XX/XXXX and XX/XX/XXXX without my authorization. After some research it seemed this is Citibank?
Consumer complaint received 2023-04-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

Two years ago, Mr. Cooper doubled my mortgage payment almost telling me I had a huge escrow shortage. I filed, thinking it was my taxes went through the whole process with the XXXX XXXX only to find out that my taxes werent the problem. Mr. Cooper was double texting me I spoke to Mr. Cooper and they fixed it now to years later in XX/XX/2022 I get a letter that my mortgage payment is going up almost {$700.00}, I immediately called them because theres no way I have an escrow shortage they told me that they look into it In XX/XX/2022 they called me and told me that the taxes were incorrect and they would be adjusted in XXXX when I went to make the payment nothing was changed. I called them back and they told me it takes time the end of XXXX still no change my payment I called them back. They told me that they would look into it again and never got a response back in XXXX. I called same problem. My taxes are doubled and they should not be theyre telling me I have an escrow shortage of {$4500.00} Which my annual taxes are only XXXX so does that mean you didnt pay my taxes for an entire year? What are you increasing? What are you charging me for they cant give me answers then they tell me that they look onto a website and thats how they see what the taxes are when I know thats a lie and they get a paper in the mail. I called my tax office and discuss it with my tax office. They gave me a breakdown of all the taxes I intern called Mr. Cooper back again to go over the taxes and explain to them that theyre overcharging me and I want my money refunded and my taxes fixed. I still have not heard back and discuss it with my tax office. They gave me a breakdown of all the taxes I intern called Mr. Cooper back again to go over the taxes and explain to them that their overcharging me and I want my money refunded and my taxes fixed. I still have not heard back.
Consumer complaint received 2024-10-18
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. (MO)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (NJ)

The original creditor is no longer in business which is the XXXX XXXX XXXX however the XXXX XXXX XXXX was managed by XXXX XXXX XXXX whom I have contacted professional debt just put this on my report without notification and validity of this debt. I have told XXXX and XXXX and XXXX I have shown proof this debt is in repayment. This needs to be deleted off my credit report. 

I am attaching payment agreement which is now in the hands of the property management company XXXX  XXXX.
Consumer complaint received 2016-02-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CO)

Seterus Mortgage purchased my loan from another company. I issued XXXX different checks to have applied to pay off the loan. They applied them incorrectly and then reported to the credit bureaus that I was late {$7.00} for a couple of months. I did n't know about this until my car insurance went up dramatically, and after several months of asking Seterus to resolve the problem with the reporting, I was told that it had been cleared. Only to find out from my XXXX XXXX FICO score that due to Seterus incorrectly reporting to the credit bureaus, my FICO score of XXXX is now at XXXX & I worked very hard to maintain a high FICO score. I believe that Seterus needs to be aware of how they can ruin peoples life. 
I am now trying to find out how do I get my FICO score back where it has always been. The low FICO score has been since XXXX 2015.
Consumer complaint received 2017-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (FL)

In XX/XX/XXXX of XX/XX/XXXX, Medical Data Systems began reporting two medical collections from XXXX XXXX Hospital in the amounts of {$330.00} and {$2000.00}. I do not owe these amounts, as I was employed with XXXX XXXX at the time of treatment and told, directly, that anything not covered by my insurance would be written off as charity. This is a practice the hospital regularly engages in, and I should think Medical Data Systems is aware of this. I never received a bill from the hospital, so of course I assumed this was done and I had nothing to worry about. In XX/XX/XXXX, I was denied a loan and found that I had these collections reporting to bring my score down. This was the first Id heard that the debts existed and I disputed them with the various reporting agencies. They were verified as accurate by Medical Data Systems and continued to report. I then attempted to dispute the debts with Medical Data Systems directly, on XX/XX/XXXX. It has been almost three months now and I have received no response. The collections remain on my credit reports. I do not understand how they report debts and verify them without any proof, especially when directly asked for the proof.