davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

Our firm, XXXX, is monitoring our client 's request for mortgage assistance with CitiMortgage ( " XXXX '' ) to help facilitate the process and ensure XXXX 's compliance with Regulation X. We previously submitted a complaint on our client 's behalf due to the repetitive and unnecessary document requests we were receiving from XXXX. Since then, XXXX still has not completed its review of our client 's request for mortgage assistance and continues to drag the process on by asking for more documents that were already provided despite informing the client that her application was complete twice before. 
We provided XXXX with the most recent batch of documents pursuant to its request via facsimile on XX/XX/2016. That same day, I called XXXX to verify the documents were received and find out if anything more was needed from our client to complete the Application review. The XXXX representative stated our third party authorization form was expired and we needed to submit a new XXXX. Later that day, we faxed XXXX the updated XXXX specific third party authorization form signed by the XXXX to the number provided by the representative. 
Then after still not receiving any update on the Application, we called XXXX on XX/XX/XXXX for an update on the Application review. We reached the assigned special point of contact for the XXXX 's loan and she stated she was on the other line assisting another customer and she would call the firm back. After not receiving any call back, we called XXXX again the next day for a status update. The assigned representative stated again that our authorization form was invalid for some reason but this time she claimed it was invalid because it was not signed by the authorized third party ( ie. our law firm XXXX. Even though XXXX previously spoke to our firm many, many times over the past 6 months using our prior authorization form, the representative was now claiming whatever we had on file was invalid without a signature from someone at our firm. The XXXX specific authorization form provided to us by XXXX in a different file does not even contain a line or space for someone at our firm to sign. Also, no other servicer has ever informed us that our own standard authorization form is invalid without the signature of someone at our firm. Even after explaining this is detail to the representative, she stated she would have to look over the file and call our firm back but still has not done so as of the date of this complaint. 
Because there is a foreclosure sale scheduled for the XXXX 's property on XX/XX/2016, we have tried several times to proactively reach out to XXXX to get a status update on the XXXX 's Application and have not been able to. We believe XXXX is now using this invalid authorization form scheme to delay the processing of the XXXX 's Application and block any efforts by our firm to assist the XXXX in applying for mortgage assistance to save her home.
Consumer complaint received 2016-06-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TekCollect Inc. (SC)

Tek-Collect, Inc and XXXX XXXX, Initially disclosed the wrong amount and date of the bill, and while I was verifying the amount with my dental insurance company sent this to Tek-Collect , Inc., a collection company with a very poor reputation. When I tried to pay the amount owed, I was told I could not. When I contacted Tek-Collect, I was told by the representative and supervisor that they would rather have this on my credit report to harm my credit, than actually receive the money. This is REPREHENSIBLE!!! These collection companies are more interested in harming consumers than receiving payment.
Consumer complaint received 2017-01-02
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Scott Lowery Law Office, P.C. (CO)

XXXX XXXX 2016 received a letter from XXXXScott Lowery P.C with alleged amount of debt of {$4600.00} I owe XXXX XXXX and XXXX. Checked my credit report and didnt find any of them there. On XX/XX/XXXX2016 sent XXXXScott Lowery P.C notirized letter of demand for validation. Certified mail indicates it was received by XXXX XXXX on XX/XX/XXXX2016. Havent received anything. But XX/XX/XXXX2016 ( sunday ) a courier called me and handled me summons for court. Tried to contact XXXXScott Lowery P.C ( XXXX XXXX, # XXXX ) to find out what 's going on. Left voice messages. No answer. XXXXScott Lowery P.C sent me new paperworks trying to get me signed. Have copies of all paperworks.
Consumer complaint received 2015-10-11
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Duvera Billing Services, LLC (CA)

I had some work done on my car XXXX/XXXX/15. 3 days later on XXXX/XXXX/2015, I was admitted to the hospital XXXX. I contacted Duvera Financial in XXXX, CA, to let them know right away, I would be XXXX and i Asked if it would affect my contract. I was told everything would be ok, due to my XXXX condition. I may only have a late fee of {$10.00} attached to my acct. NOT that I owed the Full amount of {$2800.00} on this contract, due to this 189 % interest rate, which I only had {$1200.00} worth of work done on my car. Why am i Paying an additional {$1600.00}?!? Otherwise, I could of made plans or had someone loan me the money to avoid paying this high dollar amount. I had previously done business with this company, and paid them off twice in 90 days to avoid these astronomical fee 's. I have now paid up to {$2000.00} and I just want this to be over. ; ' ( ( ( NO COMPANY should be able to charge an interest rate so high, when the economy is Not even Financially stable. ) ) This is ridiculous! I feel like i 've been punished twice, from being stuck in this contract and for being sick.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2016-10-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC. (CA)

I took out a loan for {$42000.00}. 
The first month payment was {$3500.00} and then it was {$2500.00} a month after that. After almost a year of paying I called requesting a pay off amount. They told me the pay off would be almost {$47000.00}!!! I do n't understand how the balance goes up? 
Please help me resolve this. I have not missed a payment.
Consumer complaint received 2015-10-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Penn Credit Corporation (FL)

There is a company named Penn Credit Corporation keeps calling me and I have never even heard of these people. 
I do n't owe anybody. Can you please have them stop calling. They have been calling for months. Their phone number is XXXX. Thank you for your help. I marked the above form as I did because there was no place to put " other '' situation
Consumer complaint received 2015-03-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

In 2005 we bought a home in XXXX, Ca. with a20 % down payment and like everyone from the area saw our home go underwater. The area jobs market also went under and you then lose your job. The next step Is missing mortgage payments. WE where working on a loan modification program with Chase and the head of this company is the despicable XXXX XXXX. We had everything working perfectly until this XXXX and his company decided they wanted more paperwork. After this run around this despicable lowlife company foreclosed and took our home away. We lost everything and these lowlifes sold our home for less than what we would have renegotiated for. They lied to the government agency that handled modifications and we where left basically homeless, some thanks for being a XXXX XXXX XXXX veteran. XXXX
Consumer complaint received 2016-04-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (RI)

In XX/XX/XXXX my home at XXXX XXXX XXXX XXXX XXXX, NY, suffered catastrophic water damage from a leaky pipe. We filed an insurance claim with XXXX and received payment. As per the terms of our mortgage ( METLIFE ), the check was written out to us and the mortgage company. We hired a contractor ( XXXX XXXX, XXXX XXXX ) to repair the damages ( check was written out to me and XXXX XXXX ). Fast forward 2 years, the contractor quit owing us at least {$40000.00} and the home maybe XXXX completed. We successfully sued him in court, but our new mortgage company, JP Morgan Chase who purchased our loan in XX/XX/XXXX refuses to pay us any money from our restricted escrow account, despite being provided all the documents from the lawsuit. They claim that we can not access the money because we have not met the terms of building completion and that we sued the contractor and proceeds are payable only to us. Because of the lengthy law suit and lack of progress on the home ( the structure needs to be torn down and rebuilt because it will not pass building code ) our insurance carrier ( XXXX ) has given us 1 year to complete repairs which expires XXXX XXXX. I have contacted XXXX insurance providers and all said that they will not cover us due to pre-existing conditions. We can not tear down the home and rebuild because the loan conditions exceed what is financially acceptable. Only loan available to us in this situation is a new construction loan, where the money borrowed would be rolled into our current loan. We have {$55000.00} in escrow, including the depreciation which we were able to have our insurance provider ( XXXX ) forward to our mortgage holder ( JP Morgan Chase ). We have tried to work with our mortgage holder repeatedly to access the money in restricted escrow, but all we keep facing is roadblock after roadblock. They cancel inspections, ask for additional paperwork which we provide, and will not engage with us concerning this matter. I specifically ask to have " management '' return my calls so we can discuss the case, but I only get an insurance representative who knows nothing about my case except what they read in the account notes. I feel like they want us to default on the mortgage so they get the property plus the restricted escrow and the interest. 
**Of note, we have put a considerable amount of money into the home to make it weather proof - paid to complete the XXXX floor so the roof tresses could be installed and a roof put on. It was only after we did this that both a home inspector and a structural engineer found the home rebuild unsatisfactory. The judge did not award us any of this money. We liquidated our IRA, took a loan against our car and wiped out our bank account to finance the repair of our home. We have complied with everything Chase asked us to provide, yet the issue remains moot.
Consumer complaint received 2024-09-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NC)

I XXXX of XXXX my mortgage company ( XXXX ) sent a renew payment for my existing home owners insurance policy to be renewed until XXXX. I called to get the company switched and did so in XXXX of XXXX. In XXXX my new home owners policy never received payment from XXXX so I called XXXX and we got onto a three-way call with XXXX  and XXXX XXXX ( my new insurance hazard policy ) and was told that XXXX XXXX never XXXX the payment from XXXX  for this policy. XXXX told me they would rush mail a new check and that check was indeed received by XXXX XXXX in XX/XX/XXXX. 

In XXXX, XXXX merged with Shellpoint and now when I call I have to talk with Shellpoint. 

My escrow statement as of XXXX of XXXX shows two payments in the amount {$2900.00} where there should only be one payment of {$2900.00} made. 

Allied trust never received double payment when I called them today on XX/XX/XXXX so my escrow should not be showing two - {$2900.00} payments. 

When I call Shellpoint about this, they say that because of the company merge, they can not see any history of payments made and they are not able to tell me why my escrow is showing more than one - {$2900.00} payments. 

I have talked with several managers : XXXX XXXX told me on XX/XX/XXXX that a request was submitted to have the check refunded but nothing has been done. 
Spoke with also, a XXXX XXXX XXXX on XX/XX/XXXX and he toldme by next week they will call me but I never received a call back.
Consumer complaint received 2023-10-12
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2016-05-09
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Paypal Holdings, Inc (OH)

I fully used an eBay gift card of about {$500.00} to make a number of purchases on eBay at the start of XXXX. As the balance was completely used I discarded the original gift card with the gift card number and I did n't keep a record of the gift card number. The seller of XXXX items did n't ship the item and then processed a refund back to PayPal for {$17.00}. PayPal then immediately debited the refund from my PayPal account and credited it to " eBay Gift Card Services ''. After three hours on the phone with several different PayPal and eBay agents neither of the businesses are able to help me understand how I can get the original gift card number back again to use the refund. In the guise of setting up XXXX way calls between me, eBay and PayPal I was transferred from PayPal to eBay and vise versa 3 times with the initiating agents then dropping off the line so that I needed to verify my identity and start over again and again explaining the issue to both PayPal and to eBay.
Consumer complaint received 2016-12-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc. (NY)

agency posted against my credit report with no prior attempts at contact. Reported against XXXX different bureaus using XXXX different names " ONLINE COLLECTIONS XXXX '', XXXX and " ONLINE IN XXXX '', XXXX. 
They reference an original creditor, " XXXX XXXX XXXX '', with an account open date " XX/XX/XXXX '' and last reported date " XX/XX/XXXX ''. 

I have not lived in Florida since XXXX. 

After disputing the claims against my credit report, one of them dropped off on XX/XX/XXXX, 7 days after I filed the dispute. The agency then proceeded to re-post the same thing against my report again, today on XX/XX/XXXX. 

While it 's possible that " XXXX '' may have sent " bad data '' to this agency or someone may have used my information to open this account, that is all irrelevant as they have violated the law by failing to contact me, in writing before making any claims against my credit report.
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

I had a balance with Costco 's XXXX XXXX Card, I paid that Balance in full : Date : XXXX/XXXX/2016 Confirmation : XXXX Balance XXXX Now Costco changed credit cards and Citibank took over the XXXX XXXX Card. 
Citibank says I owe them the exact same amount of money that I already paid XXXX, I checked my bank account and the money was pulled from the account to pay XXXX. 
Now Citibank is trying to double bill me and charging me fees and interest on top of it. 
I am not paying them because I already paid XXXX and if Citibank took over the accounts then they should have this information. I 've been back and forth with XXXX and Citibank and nobody is taking responsibilty and I shouldnt be having to deal with this. And I know for a fact there are tons of other people in the same situation as I am. 
Please help me resolve this issue
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

In XX/XX/2014 the VA Child Support division conducted an investigation into acct # XXXX and determined that the item should be removed from my credit report as I was never behind in payments. Even though the CRA XXXX was in compliance with removing this item, Experian failed to remove the item from my credit report. This has caused unjust damage to my credit report as creditors view this item as adverse. This item must be immediately deleted as according to the investigation conducted in XX/XX/2014.
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

The car financing company XXXX is currently reporting as a closed account on with all XXXX credit bureaus. They are also reporting as a judgement on XXXX. I have contacted all XXXX credit bureaus because XXXX is currently garnishing my wages receiving roughly about XXXX per month since XXXX, but the company keeps reporting derogatory/late/no payment monthly affecting my credit score. After speaking with someone from each credit bureau and disputing the account with all XXXX bureaus there has been no change to the way this company is reporting on my credit reports.
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MA)

I have disputed an account with Experian and the credit reporter and also provided documentation to establish the reporting companies failure to respond appropriately in accordance with Federal and State regulatory laws. This is my final attempt to have the reporting agencies correct the fraudulent information that does not belong to me, and that the company has failed to prove by the virtue of the laws governing.
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Mid-America Accounts Control Bureau, Inc. (MO)

I was called by Contact information : Mid-America Accounts Control Bureau , Inc . 
XXXX XXXX XXXX XXXX XXXX, Missouri United States Phone : XXXX saying they had a hostiapl bill from XXXX hospitals that they were turning over to a lawyer unless I paid the debt. I told them I had a credit lawyer taking care of everything. They then told me they would be turning it over to a lawyer. They then hung up the phone
Consumer complaint received 2016-02-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TN)

We received a settlement offer letter. We accepted the settlement and paid the amount in full in a single transaction. Collection agency for Citibank - Sears Card was XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MO XXXX. We continued to receive balance billing with interest from Sears. Contacted Sears who referred me back to XXXX. Several transfers and long hold times. XXXX was helpful in offering to provide a " paid in full '' notice, but Citibank refuses to review or provide any assistance.
Consumer complaint received 2016-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

There is an account on my Experian Credit Report from XXXX XXXX XXXX # XXXX which do not belong to me and have disputed wth Experian Twice and they have disregard my dispute since they continue to report this account on my report!!
Consumer complaint received 2015-12-31
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (FL)

I had made a deposit into my account with Jp Morgan Chase Bank and a third party that had my account number and routing number went into my account without my permission and withdrew money. Not only did they withdraw money but it was for more than what I had between both savings and checking. The morning I get an email from the bank letting me know that my acct was withdrawn I called my bank and to find out why and they said that there had been XXXX separate attempts to withdraw money from my acct from this party and that XXXX had been approved even though it was fro more money than I had in acct and was then charged for XXXX insufficient fund fees.
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC (CO)

RMS XXXX XXXX, Oh XXXX has been sending me over XXXX bills for services done and paid for by my son at his home at on XX/XX/XXXX Work was preformed by XXXX order number XXXX It was paid for on the same date on his XXXX card ending in account number XXXX ; Paid in FULL for the amount of {$89.00}. 

On XX/XX/XXXX they acknowledged in writing via email the debt was paid and stated case would be closed. See Below Date : XX/XX/XXXX at XXXX PM MST To : " XXXX XXXX Subject : RE : claim No : XXXX Ref No : XXXX Dear XXXX This is to acknowledge the receipt of your email. Please be advised that we have closed the account in our office today, XX/XX/XXXX, and you will no longer receive any collection activities from us towards the account. We would also like to inform you that we do not report these claims to the Credit Bureaus. 

We regret the inconvenience this may have caused you. Please let us know if you have any questions. 

Thank you. 

XXXX RMS XXXX XXXX XXXX On XXXX they sent me another collection notice for the debt again. I consider this Harassment and they need to stop trying to collect a debt That was for my son but also paid in full. 



XXXX
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (SC)

The credit reporting agencies are in complete control of our personal business lives, yet they have no accountability, no customer service, etc. Esperian is the worst of XXXX. I try to get them to update my report and I talk to someone in XXXX. This economy is based upon consumerism. It should be easier to update credit reports! 

Thank you, XXXX XXXX