davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

Over the past 6 years I have been filing many complaints ( reminder, I am legally XXXX And XXXX yrs old with many XXXX related illnesses that can cause severe affects due to ongoing and constant XXXX ) with you the CFPB and have sent in so many documents regarding so many wrongs done to me by XXXX XXXX XXXX XXXX XXXX. Here is Another, the accounting has been once Again played with by XXXX XXXX XXXX XXXX XXXX. Now also in regards to the " escrow account '' ( I pay my own ) and I only stopped making mortgage payments ( XX/XX/XXXX ) after 29 years of regular payments since obtaining of my proof of fraud on XX/XX/XXXX in regards to the note and mortgage original documents being Falsified and my signature forged. XXXX XXXX XXXX XXXX XXXX is aware!. Please see the uploaded " accounting '' of the so called escrow account. Again I paid Regular payments until XX/XX/XXXX due to new proof of evidence of fraud. Please compare the figures, one says I owe over {$1000.00} and the other says {$29.00}. Also my credit has been Dinged by XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX when they started harassing me by sending a person to spy on me at my home once a month calling it " Corporate advances '', and monthly charging me for " Inspection Fees '' still going on. The dinging of my credit is and has been going on that long! causing continuous damages and still continues! Please see most recent upload regarding " credit dinging '' even though the foreclosure process has been put on Hold, due to the enormous illegalities of this Attempted illegal foreclosure. Please see all attached files. I tried to upload more from my credit monitoring XXXX XXXX but ran into technical difficulties, but it goes from XX/XX/XXXX through to XX/XX/XXXX my credit being dinged for major derogatory by XXXX XXXX XXXX XXXX XXXX. If need be I can contact this company for a more complete and detailed proof of this ongoing and regular dinging of my credit causing more And more damages.
Consumer complaint received 2018-06-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: CITIBANK, N.A. (AZ)

I received a call from an unknown company claiming to represent Citibank in order to collect a student loan debt from XX/XX/XXXX to XX/XX/XXXX. They stated the wrong school so I thought this was odd. I was told I can settle the debt with them and then stay out of court with Citibank or not pay and have to go to court and then pay double. For monthly payment they wanted XXXX a month down and XXXX every month with a higher debt amount. This whole thing is odd because Citibank was not on my credit reports. I dont trust this at all and think its a way to get money out of me.
Consumer complaint received 2018-06-28
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: Risecredit, LLC (CA)

On XX/XX/2018 I sent via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) a  correspondence to RISE  ( www.risecredit.com ) in regards to a falsely reported item/account being reported to the credit bureau ( s ). This correspondence was received on XX/XX/2018 per the above referenced tracking number and signed for by XXXX XXXX. As of XX/XX/2018 I have not received any response from RISE, which is a grave dishonor on their part. This corporation is in violation of 15 U.S. Code 1692g, by falsely reporting items/accounts to the credit bureaus without first lawfully verifying, validating and confirming that what they're reporting is in fact correct and not false. The credit bureau ( s ) have also falsely continued report the false item/account on my credit report. I am also filing a police report as one the final steps before pursuing litigation and suing all of the pertinent parties involved i.e RISE and credit bureau ( s ).
Consumer complaint received 2018-04-20
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: Bridgecrest Acceptance Corporation (GA)

Bridgecrest Credit which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$10.00}, XXXX with XXXX, XXXX  and XXXX credit reporting agencies. I requested verification of the debt and account however Bridgecrest failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As reported previously XXXX XXXX has once again reported information inaccurately to credit reporting bureaus. This seems to be a continuing problems with this company reporting my account balance/status. XXXX XXXX has reported a closed account as an open collections. This account was closed in XX/XX/XXXX as a charge off/collections. A judgement was obtained on me in XX/XX/XXXX for which I currently pay {$40.00} a month. This is and has been a closed account yet XXXX XXXX is reporting this as an open collections account which has a monthly payment of {$370.00} and does not state " Paying as Agreed '' as it should, but states " Derogatory : Collection/charge-off in status ''. This is a violation of the Fair Credit reporting Act : I am entitled to a fair and accurate credit report. A this company is abusing it's credit reporting abilities. 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

623 ( A ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.
Consumer complaint received 2018-06-30
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. (IL)

As of my most recent dispute on XX/XX/2018, Equifax Credit Bureau is falsely verifying information that I have disputed with them on several occasions. I disputed the accuracy of the Chapter XXXX Bankruptcy they are reporting on my credit file. The results they keep sending are false, they are stating that the information has been verified by a third party XXXX XXXX, which is not true. They will not provide me with the date, person they spoke to, or contact person phone number as I have requested more than once. I have contacted XXXX myself and spoke to XXXX who informed me that my personal information file is frozen and will not be disclosed to anyone, such as my name, address, phone, or any public records. I have a case number and consumer number to validate XXXX XXXX is not supplying Equifax with any of the information they are reporting, and I demand them to remove any information they are claiming this company had furnished them with, or provide me with the information of the person they spoke to so that I can file complaint against them as well. 
Thank you
Consumer complaint received 2018-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (TN)

After receiving several unwelcome telephone calls from XXXX, XXXX XXXX  XXXX , MO XXXX AND having supplied same debt collector with faxed pages of evidence that bills to XXXX XXXX and their associate companies, I received a FINAL BILL notice of XXXX which is also not owed but the XXXX  sends me another bill in explanation of this XXXX which turns out to be a bill for {$1000.00}.
Consumer complaint received 2018-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (SC)

SLS continues to send people to my home with unsolicited information. I've asked them ( via email ), to STOP this behavior because of my illness, and it makes me extremely PARANOID when folks come to my home without an invitation. 

Complaint XXXX - was sent on this forum on XX/XX/2018 requesting that they be notified that Trespassing on my  property is considered unlawful and dangerous to all involved. At this time, I feel the FBI should be contacted, because I'm in fear for the Safety of my family and myself. 

They went to the neighbor 's house and told them that, I was late on my mortgage ; therefore, they were needing to take pictures from the neighbor 's yard. I'm not sure what can be done, but I owe SLS NOTHING!! and I can't help but feel that, this is not something a company should practice. Scare tactics never have a positive ending. I can't even open my Blinds, because I fell that someone is always outside my window. PLEASE HELP!!! SHOULD I REPORT THIS TO THE FBI?
Consumer complaint received 2018-06-28
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (PA)

I had an account with XXXX, I have had their XXXX card since XX/XX/XXXX. Never missed a payment, XX/XX/XXXX I went into their mobile app, to change notifications from paper statements to paperless and text alerts letting me know 10 days before its due. 
XXXX of XX/XX/XXXX I checked my fico score which I get free with my XXXX card. 
Seeing it dropped from XXXX to XXXX I was shocked! Called XXXX up immediately the associate said Most definitely I can see where youre notification settings did not take on our sitde, and must be a glitch in the XXXX  app, they told me that if it went to my credit bureaus they would call them right up and they would have the credit agencies delete it from my report. That was XX/XX/XXXX I asked them to please send me a letter verifying the conversation that we had, they said woulomsil me out a letter never received anything waited a couple weeks, called them back now theyre saying they have no idea what Im talking about its going to be reported as the 30 day late no matter what I do. There must be something that can be done me as a consumer it seems that I have no rights the credit bureaus are coming down on XXXX side without even listening to anything I have to say I had them put a consumer statement on my credit report however there is one credit bureau that said we can see that you Have a excellent history of repaying so we will delete it off your credit report. The other bureaus XXXX, XXXX, XXXX will not delete it. Can you please advise me?
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with all three Credit  Reporting Agencies and I am not disputing. It will be 10 year showing on my credit report in XX/XX/XXXX. I am currently in process of trying to refinance my house. I am just humbly request that this information be considered for early exclusion.
Consumer complaint received 2018-06-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (UT)

XX/XX/XXXX we received a letter from Ditech financial stating we were behind on our escrow. I contacted the company to find out what was going on, as my husband is a XXXX, we do not pay property taxes. I was assured that everything would be fine and the tax department would look through the paperwork again and fix the problem. By XXXX we were receiving nasty letters stating that we were behind on a payment- we have NEVER missed a payment, we pay a little extra on our payments. 
We have spent HOURS almost weekly since XXXX trying to find out what is going on with our account. XX/XX/XXXX we were sent a check for the extra payment in the escrow. We called multiple times to find out if the check was correct. Everyone we spoke to said the information was correct and the check was overages in the escrow. The amount of the check was approximately {$1800.00}. 
Ditech finally got read the correct paperwork showing that we didn't pay property taxes, however, since that time we have been receiving letters stating that we are behind a payment. As I stated earlier, we have never missed a payment, or been late on a payment. 
Every time we call we get the run around, and no one seems to know why there is a payment missing or where it is. We end up having to go through the ENTIRE 6 months of calls with the person we speak to, there have been no notes kept on the account. We are now getting letters threatening to enter pre-foreclosure. Our loan is a VA loan, which threatens the ability to get another VA loan in the future. 
I have spoken to others with Ditech and they have had the same experiences we are having. I have sent letters and made phone calls, with no response from Ditech. This has dropped my husbands credit score by more than 100 points, we can't even trade in our vehicles due the problems they are causing. At this point I don't know what to do, especially if we can't get help resolving the matter.
Consumer complaint received 2018-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (SC)

I completed a fraud affidavit a couple of years ago regarding a XXXX bill that did not belong to me. 
I received a copy of my credit report and this company Diversified Consultants has a collection on my reports from XXXX. I contacted XXXX and was informed dispute with the bureaus as well as a file a complaint.
Consumer complaint received 2018-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (KS)

On XX/XX/18. I had deposited two checks into my personal checking account. One was my payroll check from my employer, the other was personal check from a friend. On XX/XX/18, I had gotten a notice that the account was going to be closed due to one or more deposited checks are suspected of being altered. I had suspicions that the personal check from my friend was not going to possibly work but I also had a direct deposit set up with my employer to this account and on XX/XX/XXXX, both my mobile app and the website said my that my direct deposit was never received and now they are saying I owe {$920.00}. I know I had over {$500.00} in that account before they closed it and my employer has not received any notification that my payroll check was returned. I know that anytime someone deposits any counterfeit or fraudulent checks that they are responsible for any overdraft that the account encounters but this is straight up fraud by the bank to get me pay more than I really owe and if that is the case, I will sue them on my own.
Consumer complaint received 2018-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (NY)

I enrolled in a loan forgiveness program with Ameritech Financial last year. I was told it was a 10 year program and income driven. They have been charging {$82.00} out of my account, each month. I thought this was going towards my student loans, but wasn't. I received a letter from the Federal Trade Commission telling me this company, Ameritech Financial, is a scam and are performing deceptive practices. They are currently under a lawsuit in court, by the Federal Trade Commision, and I am hoping to get my money back and anything else that can help me.
Consumer complaint received 2018-06-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (PA)

I set up a one time online payment to pay off one of my loans with Discover Student Loans on XX/XX/XXXX. On XX/XX/XXXX, the pay-off amount ( {$5300.00} ) was withdrawn from my bank account twice. The extra payment does not show on Discover 's website, but I have sent them a bank statement that shows a double payment, which they have acknowledged. I have contacted them several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and all they will tell me is that they have not located the " missing payment '' and to wait 2 more weeks. It has now been almost 2 months.
Consumer complaint received 2018-06-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL (SD)

Hello, I was talking to PayPal credit ( they called me at XXXX CST ) I was speaking with a representative named XXXX ID # XXXX. He was not getting what I was saying at all and kept going in circles, making me feel slightly harrased. The real problem is when I asked to speak with a supervisor. He then put his headset down, and did not mute his microphone. While he was standing there he said I sounded " like he doesn't know anything, sounds like he just woke up. '' His manager XXXX ID # XXXX then came on the line. I asked if that is what he said about me. She said yes and that she told him not to say it again. This made me feel extremely harrased and trying to insinuate that I don't know what I'm doing. I do feel very harrased by this representative XXXX ID XXXX
Consumer complaint received 2018-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

On XX/XX/18 and XX/XX/18 ; I requested by certify letters to each of the 3 credit bureaus demanding that they provide " verified proof '' of the following creditors on my credit report : ( 2 ) XXXX XXXX XXXX ; ( 3 ) XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX ; and XXXX XXXX. These accounts are all reporting an inaccurate payment history status. As of this date, XX/XX/2018 ... either of the bureaus has " NOT '' provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, I'm requesting promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and remedy available to be Section 616 & 617 if they fail to comply with Federal Law.
Consumer complaint received 2018-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/18 and XX/XX/18 ; I requested by certify letters to each of the 3 credit bureaus demanding that they provide " verified proof '' of the following creditors on my credit report : ( 2 ) XXXX XXXX XXXX ; ( 3 ) XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX ; and XXXX XXXX. These accounts are all reporting an inaccurate payment history status. As of this date, XX/XX/2018 ... either of the bureaus has " NOT '' provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, I'm requesting promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and remedy available to be Section 616 & 617 if they fail to comply with Federal Law.
Consumer complaint received 2018-06-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

XXXX XXXX XXXX XXXX kept sending me loan dept collection notices and e-mail request for loan payments after I has sent them notices from XX/XX/2018 up and till now to refaim from contecting me and to cease and desist any and all communication with me regarding my loan account number XXXX and direct all communication with my dept consolidation XXXX XXXXXXXX XXXX at XXXX XXXX XXXX and the XXXXXXXX XXXX XXXX XXXX from the Power of the Attorney representation I has provided to the Ace Cash Express Customer Care Dept Collection department..
Consumer complaint received 2018-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a dispute with my Bank of America Credit card company for a {$42.00} that I was supposed to receive as a credit from a merchant but never did receive it. Although Bank of America agreed to start an investigation, there was no credit issued to my bank. Therefore, I never got back my {$42.00}. Now Bank of AMerica stated they could not favor my side and ask me to pay back the {$42.00} that they had credited to my account ( although they never processed the refund for me in the first place, stated they would process the refund once they favor my side ). I could not reason with customer service representative because they stated they gave me a temporary credit but I have never seen it on my statement.
Consumer complaint received 2018-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF NEW YORK MELLON CORPORATION, THE (MA)

On XX/XX/XXXX, I withdrew CAD {$60.00} from an ATM in XXXX using my XXXX XXXX XXXX which also incurred a CAD {$2.00} ATM fee. On XX/XX/XXXX, the transaction cleared for US {$49.00} with a US {$1.00} ATM fee refund. The exchange rate that the bank applied was 1 CAD = XXXX USD ; however the wholesale exchange rate at the time was 1 CAD = XXXX USD ( as retrievable at XXXX ) resulting in an excess cost to me of US {$2.00}. I submitted a dispute to the card issuer BNY Mellon on  XX/XX/XXXX, and they confirmed the transaction occurred at the higher exchange rate and denied responsibility. When I spoke with the dispute agent over the phone XX/XX/XXXX, she could not explain the discrepancy between the transaction exchange rate and prevailing wholesale exchange rates ; she advised she could not help me further and directed me to call the brokerage. When I called XXXX on XX/XX/XXXX, that agent also advised he could not help me and directed me back to BNY Mellon. This exchange rate was unfair and contrary to the account agreement that states in section 2.5.2 the bank will generally obtain exchange rates through Visa at wholesale or government-mandated rates.