davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OR)

This is a continual problem that we have encountered ; a person with the same name that is a junior but does n't use it. I was told it was the improper use of the name that causes this. I have in my experience seen that XXXX and XXXX is NOT used on normal basis. The credit bureaus do not verify social security numbers and date of birth that are a constant, but instead rely on addresses that could change. I was told that it would take a change in legislation to have them required to use social security numbers for verification. Why not use the birth date? Why are n't these agencies accountable for their actions? The public has to spend the time and energy to clean this up when verification could be made easily before damaging someone 's credit. I think this should be taken to the media and have the credit bureaus investigated and make them accountable. I do not have any supporting documentation only phone calls with Experian. I will now get my reports from XXXX and XXXX XXXX and see if they are the same. I am really getting tired of this, every time we want to get a loan this happens.
Consumer complaint received 2023-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Plastiq Inc. (NY)

On XXXX, on Plastiq company website ( https : //www.plastiq.com ), I submitted a payment request of {$890.00} to my mortgage XXXX  ( XXXX ) XXXX to pay my monthly mortgage balance due. That amount, with {$26.00} processing fees, totaling of $ XXXX charged on my credit card ending in XXXX. However, Plastiq never delivered the payment. I followed up with XXXX mortgage team multiple times, and they confirmed they never received the check, therefore, my mortgage account never got credited. 

When I reached out to Plastiq support team and asked for evidence that the check has been endorsed by XXXX XXXX, Plastiq can not provide this evidence. They only shared an image of the check that has the front populated by some generic information, the the back of the check image is empty, no endorsement at all. 

I've been creating tickets and asking Plastiq to re-send the payment or refund the money to me. However, they refused to do so and never gave me a direct answer about the inquiries. 

They used to have online real-person support within the web portal, but recently switched to ticket-only support, which makes the communications even more difficult. 

I appreciate the CFPB platform and really hope I could get help from the CFPB team to get my money back or have them fulfill the service. 

Thank you!
Consumer complaint received 2017-02-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: The Regional Adjustment Bureau, Incorporated (CA)

This is a continuation of complaints filed regarding the collection of my alleged student loan from multiple debt collection agencies. It appears that, once a CFPB complaint is filed against XXXX collection agency, XXXX XXXX simply assigns the debt to another collection agency. Prior case nos. include XXXX ; XXXX ; and XXXX. 
I have determined that, in the newest set of phone calls, I am being contacted by Regional Adjustment Bureau ( RAB ) who has made call to various third parties asking for my personal information including my maiden names, marital status, work address, personal address, and have revealed that they are attempting to collect a debt and are trying to communicate " an offer '' to me. Interestingly, they have MY phone number and email address where I have requested that all communication be in writing. 
Specifically, they have called and requested information from the RECEPTIONIST at my office and have not called ME and left a message at all. The attempt to speak to co-workers and reach me at work is an attempt to embarrass and harass me as they have no actual intent of extending any " offer '' to settle our dispute given my prior demands. 
Recently, through 3rd parties, I had been given a name and number ( XXXX XXXX - XXXX ) who was attempting to communicate " an offer '' to me. When I called this generic number, " XXXX XXXX '' was conveniently on vacation but another fast-speaking debt collector demanded identification information. Since random collectors have no historic information about my challenges to the amounts owed, I told them that I would call XXXX XXXX back. Having done so on multiple occasions, I doubt that XXXX XXXX exists. 
I would reference and incorporate the prior complaints made to establish the long standing dilatory tactics used to collect this debt rather than providing me with the documentation I had previously requested, including ( but not limited to ) the details of an {$11000.00} payment received on the debt that was not credited to my account, and the explanation of late charges on my account AFTER payments were received which continued to accrue interest, etc etc. 
I have communicated my own offer to compromise with XXXX XXXX and its debt collection agency XXXX, without any communications in response. 
The contact with 3rd parties who are requesting my personal information must stop. The contact disclosing their attempt to " make me an offer to resolve a debt '' must stop and is in violation of the FDCPA and TCPA
Consumer complaint received 2015-12-31
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (TX)

I signed up for a PayPal account to transfer money to a photographer for a photo shoot. I received a letter in the mail from PayPal a week later or so stating that I was not approved for a line of credit due to too many credit inquiries on my credit report. I am really upset because I did not want a line of credit from PayPal. I had just purchased a new vehicle and some new furniture so I knew I had recent inquiries and did not want any more. This has now gone against my credit and it really made me mad and confused because I had no idea that I was even applying for a line of credit.
Consumer complaint received 2016-11-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NJ)

Hi my name XXXX XXXX .... I have issue with a bank called XXXX they scam me right along with the car dealer ship.. XXXX.. ok I got a car. From theme and they told the XXXX come to find out that the car was XXXX I gave XXXX XXXX they told I will get my title ... I have to pay XXXX more my credit XXXX when I got my car. And they had me paying XXXX a month until they said XXXX was paid off ok I over paid. Later on the bank tell me. My pay stubs where fake the dealer ship had gave fake pay stubs I sent them my real ones and. They never respond..also I do n't have no paper work on car. Did n't sign anything they gave me one key to my car. .. ok started calling and go back forth to. The dealer ship .. and then I found they said I 'm paying a car. For 7 years this bank is scam and fraud they was working with the dealership ... the whole time they. Wanted paper work I fax and email it to theme ... they was saying oh I did n't get. For 4 days then when I said I 'm reporting this bank the next day when I called they said oh we have. When then been had it ... now they telling me we have to waiting until we get in touch with the dealing ship and all this other stuff when they know they close down and no one never pay a car for seven year. And they forge my hand writing and they let it go. They only way I seen. This because I told theme I do n't have paper work on my car or nothing ... I told theme to send me. The papers they did n't want to. So I made theme email a copy and they did n't want to. Now they have copy of my. Check and alll they still not try to. Work with me or keep make up things and not pick my calls they scam me for money and I want my title
Consumer complaint received 2016-06-22
Product: Credit card — 
Issue: Application processing delay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Applied for a credit card with Capital One. Application process makes you jump through all these hoops, including income verification through fax/snail mail, which is insulting considering no other credit card issuer requires that information ( and considering my previous account with CapOne ). I subsequently provide the necessary documentation through their antiquated methods ( i.e., fax ). Three weeks go by without hearing back prompting a call to customer service. Customer service is inept, ca n't find the info to process the application, refuse to do anything else to help. Absolutely done with this company, they 've lost a customer for life.
Consumer complaint received 2017-01-24
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Received a call from XXXX indicating I owed a credit card bill to Capital One from 2001. My niece also received a call from them asking about my whereabouts. My niece would have been a XXXX in 2001 and would know nothing about a credit card in my name. I asked to receive something in writing from them about this account and he refused to send me anything. He further stated that he was going to send this back to the lender as a refusal on my part.
Consumer complaint received 2016-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Dyck-O'Neal, Inc. (TN)

About XX/XX/XXXX Dyke O'Neal started trying to collect a deficiency amount on a mortgage that had been improperly foreclosed by XXXX XX/XX/XXXX. XXXX has since admitted violating the required procedures for foreclosure and I was compensated by XXXX different federal settlements from the mortgage lawsuits. 
XXXX shows my balance as {$0.00}. No Deficiency judgement was ever sought or obtained for this amount by XXXX or Dyke O'Neal and Tennessee has a 2-year statute of limitations for such filings under Tenn Code Ann 35-5-118. Dyke O'Neal is aware of this law but has continued to report this to XXXX and XXXX as an unpaid collection. I have disputed this with XXXX bureaus and XXXX has remove it but not XXXX. This has hindered my ability to obtain a mortgage using my VA loan. Dyke O'Neal is unresponsive about this. This is an unfair collection attempt by a 3rd party for a balance that the original lender agreed to remove under the federal settlement.
Consumer complaint received 2016-12-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

My name is XXXX XXXX. My daughter, XXXX XXXX ( formally XXXX XXXX ), and I purchased a home together in XXXX. The mortgage went through a number of transfers of lenders over the years but has been serviced through Shellpoint Mortgage Servicing since XXXX timeframe. When we purchased the home, the members of our household included XXXX of my adult daughters, my wife XXXX and me. At the time, the expectation was that each of us would contribute to the mortgage and overall housing expenses. Unfortunately approximately a year after moving into our home, XXXX suffered XXXX ever since. As a result, XXXX had to retire earlier than anticipated. My children attempted to care for her while I continued to work. After roughly another year or so, this proved to be unattainable and I was forced to retire to become XXXX full-time caregiver. While I am of age to retire, these circumstances forced me to retire earlier than expected. Due to XXXX condition, we have incurred a significant increase in medical bills as the result of routine doctor visits and various medications to treat her condition. Additionally, a few years ago XXXX eventually married and moved out of our home which resulted in another reduction of household income. 

At this time, our income is limited to our monthly social security checks. These circumstances have resulted in our inability to make our mortgage payments. We had explored loan modification to no avail and were also considering a short-sale however this would have resulted in us becoming homeless due to our income and the housing crisis in the XXXX XXXX. In XXXX XXXX, we received notified that Shellpoint issued a Full Reconveyance of our first mortgage. We were not aware that they decided to do this and attempted to contact them on numerous occasions and they would not return phone calls to explain the situation. We ended up contacting the company that filed for the reconveyance, XXXX, and they confirmed that Shellpoint instructed them to remove the loan from title. After a few more failed attempts to get clarity from Shellpoint, we sold the home to downsize and bought another home. XXXX and I was working with a reverse mortgage lender and right before closing, Shellpoint issued a foreclosure status on my credit. This occurred after we already sold the home in which they removed the lien. Given that this was non-recourse debt, we are not sure why or how they are considering foreclosure on a home that they no longer held a lien on plus we sold the home. We would really appreciate some assistance on this matter as it effectively resulted in our inability to close on a reverse mortgage and it is also still on my daughter 's credit report.
Consumer complaint received 2015-07-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Services Group, Inc. d/b/a ConServe (MA)

I am repeatedly receiving calls from from ConServe XXXX. They do n't leave a message and when I called them back, they had no record of me or my number in their system.
Consumer complaint received 2016-06-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

The original loan was with XXXX XXXX then XXXX XXXX XXXX purchased my load then sold it to XXXX then changed their name to Shellpoint. I have on many occasions asked that my loan be modified into a 30 year fixed they will not respond to my request. These loans were a horrible thing they did to consumers and I have tired many times in the XXXX years to get out of the ARM. My loan payment goes up every XXXX months the original amount was {$1200.00} a month has now increased to {$1400.00}. I can not continue this madness!!! I NEED HELP!!! I contacted my Congressman who suggested that I contact your company since my request have went unanswered.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You
are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-09-19
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Gitsit Solutions, LLC. (TX)

Regarding : Case # XXXX Case # XXXX Cause No. XXXX In final response to Kondaur limited reply. Kondaur evicted me after they sneakily, undercover-ly knowingly and deliberately stole my house. Kondaur did not care about me as a consumer. They pretended that they were going to help ; however, their intentions were to purchase the loan from XXXX and sell the house out right! I qualified for the loan modification which they have established but refuse to comply. KCC did not reach out to me before the said " foreclosure '' on XXXX/XXXX/2015. In which I was told, by the auctioneer at the time of the sale at XXXX XXXX that no " foreclosure '' would be done. How can you foreclose on a house that has not been mandated to back to XXXX XXXX County- while it is in federal court? They pretended by using a CS Rep/ Relator XXXX XXXX to fill my head with the hopes that they would like to help after stealing my home, in which we paid XXXX down on. There is still unaccountable accounting information. 
In regards to the bankruptcy case, it was dismissed ( a mutual agreement ) " without prejudice '', said the honorable judge on file. According to the judge on file in XXXX XXXX county, the case has not been mandated back to XXXX XXXX County as of XXXX XXXX, 2015, the judge did not have the liberty to move further. We have not had our date in court, unfortunately Kondaur refuses to comply in all areas and they have not given valid reason to their unlawful actions. 
Sincerely, XXXX ' XXXX
Consumer complaint received 2016-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CT)

Our mortgage was transferred from XXXX XXXX to Shellpoint Mortgage Servicing effective XXXX XXXX, XXXX. Our property taxes and homeowner 's insurance are paid via escrow. Under the terms of our mortgage, Shellpoint is contractually obligated to timely pay both the homeowner 's insurance and property taxes. As part of the mortgage transfer, XXXX did not receive the property tax bill from the Town of XXXX, CT so I provided a copy of the tax bill immediately once the loan was activated in Shellpoint 's system ( on XXXX XXXX, XXXX ) and subsequently called multiple times to inquire regarding payment status and ensure that the first payment of our property taxes would be paid by XXXX XXXX, XXXX ( they were actually due on XXXX XXXX, XXXX and should have been paid in conjunction with the transfer of our mortgage ). I followed up with multiple phone calls on payment status and received repeated assurances from Shellpoint that the taxes would be paid by XXXX XXXX. I also continued to monitor our escrow balance at the end of XXXX and in early XXXX, noting that the escrow balance on our account never decreased, which indicated that no tax payment was ever made by Shellpoint. 

On XXXX XXXX, we received a late notice from the Town of XXXX, CT, indicating the the taxes still had not been paid and assessing late payment interest, despite Shellpoint 's repeated assurances to that effect. We immediately contacted Shellpoint to complain and make sure the taxes were remitted immediately. After several phone calls on XXXX XXXX, we were finally able to secure a commitment that the tax payment ( plus interest charges ) were going to be paid and sent out for overnight delivery to the Town of XXXX, CT XXXX Collector via XXXX. It is now XXXX XXXX and the tax payment still has not been received by the Town of XXXX, CT Tax Collector. I called Shellpoint again today and the response I received from the Customer Service Supervisor was that " they will contact the Shellpoint Tax Department to determine what happened. '' This is completely unacceptable and in violation of the terms of our mortgage agreement. Shellpoint is legally obligated to pay our property taxes on a timely basis and it has failed to do so. 

To make matters worse, during today 's call with the Customer Service Supervisor, I also had to instruct Shellpoint to fix the payment date for our second property tax payment. Shellpoint had the payment scheduled for XXXX XXXX, XXXX when, in fact, the real estate tax bill they have on file clearly indicates that the second payment is due on XXXX XXXX, XXXX. Given the issues with our property taxes thus far, we have no confidence whatsoever that our XXXX XXXX property tax payment or next year 's homeowner 's insurance payment will be made timely by Shellpoint.
Consumer complaint received 2016-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

We have other complaints ongoing regarding PHH @ loan # XXXX that are still unresolved. This complaint is regarding the property taxes that are payed with our mortgage payment as terms of our approved loan modification. XXXX paid the property tax payment due XXXX XXXX XXXX. We had our check for the taxes returned from XXXX County with a letter saying the taxes were already paid. The loan was transferred to PHH and they did not pay the XXXX XXXX XXXX installment in violation of the approved loan modification. All trial payments were made on the date they were due. I am attaching a letter from PHH that we are being charged for the taxes in an escrow acct. this fraud. I am also attaching a letter from PHH dated XXXX XXXX th. stating they are honoring the plan when they receive the final trial payment due XX/XX/XXXX.When they wrote this letter the payment had been in their bank since XXXX XXXX XXXX, .over two weeks earlier than the letter .PHH has also sent back our XXXX XXXX payment and all future payments. I have made numerous phone calls to XXXX XXXX with PHH who signed the XXXX XXXX th. to no avail. She keeps telling me to have patience that it will be worked out. I have no confidence in this firm to get this resolve without legal help to protect us. This is affecting our families health and well being.
Consumer complaint received 2017-02-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BYL Collection Services (DE)

XXXX XXXX placed multiple accounts into collections without ever sending me a statement of services rendered. They turned the accounts over to collection agencies who apparently sued me for the debts. I never received notice from the collection agency that they were taking legal action, nor was I ever served by the courts regarding the date time and location of the trial.