davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-12
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Securus J Holdings, LLC (CO)

Jpay is an organization that processes EFT money transfers to inmates. They have a captive audience in a cornered market, so they charge fees accordingly. They charge 18 % per transaction, which is highly disproportionate to the cost of processing the money transfer. These fees are charged to a disadvantaged consumer group : families of inmates who are likely to be financially struggling to get by. I feel it 's a predatory practice and it needs to be stopped. I 'm not even sure who regulates JPay, but the money transfer section of the company needs to be reviewed by the CFPB. JPAY has already been called out and regulated on for predatory charges for phone calls -- upwards of {$14.00} for a 15 minute call. Now the money transfer side needs work.
Consumer complaint received 2016-05-02
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Flagstar Bank, N.A. (TX)

I am attempting to clear up my credit reports after the final judgment on a statutory mortgage fraud and wrongful foreclosure lawsuit ruled in my favor. 
The reported no payments on the credit reports are court ordered as the foreclosure process was illegal and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Broker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. The mortgage began in XXXX of 2008 and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. XXXX is the company, along with XXXX XXXX that put the pressure on us and refused to speak with me, the XXXX person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and XXXX refuses to close this and wipe the slate clean. 
This is doing irreparable harm to me as a XXXX veteran health wise and financially.
Consumer complaint received 2016-07-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (FL)

As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. In an attempt to clear my credit I requested assistance to the CFPB and in XXXX XXXX XXXX my dispute via the CFPB was responded to by the creditor/ collection company. My previous dispute was initiated because this account was opened fraudulently and i am a victim of identity theft. I was promised that this entry would no longer be reported to any of the XXXX credit bureaus and requested that a Police report be provided. I forwarded the report to the collection agent and have not received any acknowledgement from them. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Consumer complaint received 2015-12-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (PA)

To Whom It May Concern : I was put on a loan modification in XX/XX/2014. I paid XXXX payments. The second payment was a partial payment. 
I spoke to Flagstar Bank representative XXXX XXXX in your XXXX Florida Call Center. I told her it would be paid from my next paycheck. She said do n't worry about it. I 'm going to work on something else for you to lower your payment. I filled out all the required paperwork. When XXXX XXXX came, instead of receiving a lower mortgage payment, I received a payment schedule to start in XXXX XXXX raising my mortgage payment by {$400.00}. 
We have a unique situation with an XXXX year old XXXX daughter, who in the long run, her health might be negatively affected by not working something out with Flagstar Bank. 
The bank keeps saying I did not make a payment since XXXX, but that is simply not true. 
I would like a response to this message. 

Thank You.
Consumer complaint received 2015-06-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc. (FL)

AR Resources has repeatedly contacted me (everyday for a week) about a debt my son owes, he does not live here and this is my phone number.  The debt is actually due to a misbilled major XXXX claim (should have been workers comp) after this was explained they were told to stop calling.  the person there told me HE wasn't the XXXX to call me, it was the automated machine.  So i guess the automated machine has to take responsibility for itself, because he wouldn't. XXXX again they have called and XXXX again i asked them to stop, but at this point they need to be reported.
Consumer complaint received 2015-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: M. G. Credit, Inc. (FL)

My son was in XXXX in our before we moved. As soon as I knew we were moving I notified the school. It was n't until the week we were moving that I was told to notify the billing company. I did so. Never received a response. Got a collection notice from MG Credit. I immediately requested verification. What I got16 days later was a partial retail installment contract that only verified a contract was signed but was missing the original pages. The original contract is null and void due to the fact that in Florida any company wanting to write a Retail Installment Contract has to be licensed to do so per FS 520.32. Also I have been unable to locate a business license or a DBA in the state database. They were told not to attach this to my credit report and they have. I notified them of their fictitious paperwork on XXXX/XXXX/14. They have since not responded. In my last communication they were given 30 days to rebut it and they did n't. Since then I been sent a new collection from the same company with a different account number. I am rebutting that now.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-04-24
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. (GA)

Transunion continues to report wrong information to my credit report even after you seen them proof of the false information is not reported correctly. THEY DO NOT CONTACT THR CREDITOR DIRECTLY TO VERIFY THE INFORMATION THEY USE A DATA BASE SYSTEM THAT'S NOT UPDATED. They will not update your credit score as you pay off a credit card to bring down your debt to ratio. They are reporting that I did not pay off my two XXXX XXXX XXXX XXXX credit cards. They also showing other credit cards not paid off and they have been the information Transunion is reporting is not correct. 
XXXX is a damaged credit by keep my credit score lower than it should be because they don't want to update my record until 30 days, and they do not contract the creditors.
Consumer complaint received 2016-10-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (NY)

Unfortunately it has come to my attention after paying my mortgage each month I was in defaultt for nonpayment by my wife. unknown to me they call me direct which I made my payment in full and and current and mailed it to them. but they sent it back stating the next payment was due and return The check back requesting another payment due each time and each time they will send another check this was done numerous times .till I was sent a foreclosure notice and then the sent The checks. I imediately retained a lawyer to represent me in the foreclosure matter .I was told that this would take some time. after waiting for an extensive amount of time. I went back to the lawyer what I was told that there was no set date yet. fed up with waiting on XX/XX/2016 I want for consultation with another lawyer. when she did her research on the case file it was brought to our attention then that the foreclosure process was done and the house is sold one year prior. they stated we were notify about the whole process by sending notice to XXXX kids in college XXXX XXXX an XXXX XXXX there were no notices or statements I was not notified in any time or anyway. I was never given a chance to protect my house which I invested in or shelter for my family. I was treated unfairly even at the closing purchase of this house I was told by my by my lawyer in all his years of practice he has never seen anything like this I was fed to the wolves. to whom it may concern I am asking you to take a good look at these people and my case thank you in Advance XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-10-11
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (MI)

In XXXX of XXXX I leased a XXXX XXXX XXXX XXXX. I began having problems with the vehicle in XXXX XXXX. Specifically, jumps while switching gears and gets stuck in gear XXXX. The problem mainly occurs when the car is switching gears from XXXX to XXXX and XXXX to XXXX. The car jumps so much when shifting that it is hard to control. When the car gets stuck in XXXX gear the engine revs but does not shift out of gear. I began taking the car to the dealer ; however, the problem was never fixed. The claim was that they could not duplicate the problem. On XXXX XXXX I took the car into service and provided the dealer as well as XXXX with videos showing the issue that I am complaining about. Also I provided copies of other driver 's experience with this issue and I have described the issue in detail with the hope that the issue will finally be resolved. Additionally, I told the service manager that the issue appears to be software related specifically it is either malicious or incorrect code in the vehicle software. On XXXX XXXX after 53 days in the shop and XXXX miles on vehicle they returned it saying they could find nothing wrong with the car so no repairs were done. Upon return of the vehicle I noticed that the service report for the XXXX XXXX service was incorrect. The report stated that my car had only been in the shop from XXXX XXXX to XXXX XXXX and there were no miles put on it while it was in service, which is false. I pointed these errors out to the dealer who noted the inaccurate information. Since then, the car has been in the shop 3 additional times for the same issue and nothing has resolved it. Accordingly, the vehicle meets the statutory requirements to be deemed a lemon and repurchased by the manufacturer. On XXXX XXXX, XXXX XXXX made an offer to repurchase the vehicle and give me {$1500.00} towards a new C-Class. However, on Monday XXXX XXXX, XXXX they reneged. Since reneging on the offer the vehicle has been in the shop 3 to 4 additional times for the same issue. XXXX has ignored every correspondence and notice that they have received about the vehicle. They have also refused to keep the vehicle until they figure out what is wrong with it and provide alternate transportation. As it stands the car is unsafe to drive, however, I have no choice because they reneged on their offer and as a consequence I am paying for a vehicle and its use is substantially impaired.
Consumer complaint received 2016-06-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Synovus Bank (MA)

The secured credit account was closed by the issuer in XXXX XXXX. At the time the card had a XXXX balance and had not been used for over 60 days. I received my full security deposit. I checked my credit report in XXXX XXXX and it showed the account as closed in good standing with XXXX balance. I checked my report in XXXX XXXX and it showed the same good standing entry, but also showed a XXXX entry from same company first progress showing my account in a negative standing with past due balance. I want this negative entry removed from my credit as I 'm not liable for this fraudulent entry
Consumer complaint received 2024-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of XXXX XXXX, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
Consumer complaint received 2017-03-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (AL)

We paid off our mortgage. A refund check around {$1500.00} was mailed on XX/XX/XXXX. We were not contacted until letter dated XX/XX/XXXX that it had not been cashed. After calling them on XX/XX/XXXX, they assured us that a stop payment would be issued and a new check mailed. After not yet receiving the check today, XX/XX/XXXX, we called to check on the status and were told they would check on it and get a call back by next Tuesday, XX/XX/XXXX. Unacceptable that a company would retain someone else 's money for an indefinite amount of time.
Consumer complaint received 2016-11-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

FIFTH THIRD BANK ( 53 ) Unfair banking practices- Overdraft fees XX/XX/2016 : I was forced to write a check at the grocery store because I had left my debit card/cash at home. Later that evening, I took cash money to the local ATM to make a deposit just to be safe ( prevent any NSF fees ) I had direct deposit scheduled for XX/XX/2016 ( they were closed on Monday XX/XX/XXXX for XXXX ) but, was unable to deposit the money due to " out of service '' notice on ATM screen. The Direct Deposit deposited on XX/XX/XXXX and all the checks that had been written over the past week and weekend were also debited that day however, all debits were removed BEFORE the deposit was credited to the account and I was charged {$74.00} in NSF fees. There has also been an instance of fraudulent charges being placed on the account, my balance depleted below the amount to cover pending checks. I was issued credits for the fraudulent charges however, the bank refused to remove the NSF fees that incurred due to those charges. The bank also did not cancel the card as requested during those disputes and the charges reappeared on my account 2-3 weeks later along with more NSF fees caused by those charges. Again, the fraudulent charges were removed but, they refused to remove the NSF fees- they did however, state they cancelled the card. They also informed me I would not have access to online banking or mobile banking for 7-10 days while the account was " undergoing updates '' so I am unable to verify anything on the account. Thirdly, the bank ALWAYS orders transactions so deposits are credited last and online payments are debited before the deposit is credited. AGAIN, fees have been incurred because of the way the bank CHOOSES to order these transactions- I have lost several hundred dollars due to these issues and the bank refuses to assist me with rectifying these issues.
Consumer complaint received 2016-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (VA)

Our mortgage is with Freedom Mtg & a few months ago, they contacted us asking us to refinance. After some convincing, we agreed as they would be paying all closing costs and lowering our monthly payment. We were told by their agents, XXXX and XXXX, not to make our XXXX payment as it would just be refunded. I asked several times if they were sure we should not make the XXXX payment and was reassured that we should not as long as we closed before XXXX. The closing was XXXX. I cancelled the already scheduled payment. On XXXX XXXX, we began getting delinquency calls from Freedom. Each time I would explain they asked us not to make a payment, gave their disbursement date, got the run around, they said it was automated and would probably happen again and there was nothing they could do. It happened many more times, sometimes twice a day. We were never delinquent in our loan and only cancelled the payment at their request. We also got delinquency letters and statements. I called again with the same response, it is automated, nothing they can do, each department blaming the other ( refi and mortgage ). Spoke to XXXX weeks ago, asked him to look into it and have it stopped, he promised he would get back to me but never did. They sent escrow refund dated XXXX XXXX for {$310.00}. They sent another delinquency notice dated XXXX XXXX saying we were 48 days delinquent, but zero owed. See statement attached, see XXXX page for delinquency notice. It is abhorrent that they are unable to figure out how to make their left hand speak to the right. If you are refunding me for the same account, why are you accusing me of delinquency? I spoke to them again, they said it should not have happened but can not say why it did, or how they will fix it. For a month and a half, we have been getting these calls and letters accusing us of being delinquent. We do not pay our bills late. The only time we had an issue with late bills was when we bought the new house and there were mail delivery problems because the neighborhood was so new. To repeatedly be accused, for such a protracted time, is harassment and it needs to stop. This should not be happening to any customer refinancing, much less a customer they asked to refi with them and told not to make the payment. If we were actually delinquent, I would not have a problem with the contact because it would be my own fault. However, this is rising to the level of absurdity.
Consumer complaint received 2017-07-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

There are  XXXX  accounts that are reporting 120 days late from  XXXX ,   XXXX   XXXX   XXXX     XXXX   account and   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   account. I have been attempting to contact these lenders to correct these errors that have caused my credit score to plummet and I am unable to obtain a mortgage. Also all of the above accounts are apart of a loan consolidation so how are they reporting late and the consolidation loan is in good standing. I contacted the FTC last year and they corrected this error so why is  XXXX  reporting this way again this year.
Consumer complaint received 2016-07-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (IL)

I have been trying to combine my home equity loan into the mortgage and refinance with Harris Bank since XXXX 2015. It seems that each time a bank employee disappears and drops the ball. The Bank 's " Help-Line ( an oxymoron ), '' seems to drag out the process, asking me to fax an IRS Form XXXX to their office at XXXX in XXXX , WI., but when I try to send the fax, their fax machine does not pick up and when I try to contact them by voice at XXXX, either I get the run-around, or their voice mail system becomes an impenetrable barrier to communication. My " Single Point of Contact, '' was XXXX XXXX, XXXX, who inexplicably disappeared leaving no named successor as a " Single Point of Contact. '' Before he disappeared, I left XXXX XXXX a voice message informing him that his fax machine was not picking up. Some time later, his supposed assistant called me, apparently after listening to his voice mail and sent a letter which XXXX sent nearly a month ago asking me to fax the IRS Form to the non-functioning fax number. The form is time sensitive and must be received by the bank to complete the process. In this comedy of errors, it appears that Harris Bank is either deliberately acting so as to induce my attempt to combine the loan with my mortgage and refinance to fail, or the bank is so incompetently managed as to produce the same result. I can submit documentation in support of my complaint by fax and snail mail.
Consumer complaint received 2016-08-09
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Refinanced home with 5/3rd Bank in XXXX of XXXX. The statement on XXXX showed a charge posted on XXXX of {$1300.00}, listed as " SHORT PAYOFF ''. The explanations I have received over the phone have been unclear and seem to indicate a mistake being made in the original closing. They have said that we were credited twice for something. I have requested in that an explanation be sent to me in writing with all the math. I have not received that information and am concerned that INTEREST is accumulating on that fee, charge, or whatever they want to call it. I have spoken with the person at XXXX on : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; and XXXX/XXXX/XXXX. 
I find it hard to believe that they can can not explain this charge.