davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIRST INTERSTATE BANCSYSTEM, INC. (ID)

I had funds put on my account on the XX/XX/XXXX so I could order two items on XXXX. The orders caused two separate holds on my checking account. I than canceled those orders an hour later and all record of those funds disappeared. It is as if I never had the money, and I know XXXX doesn't have it. The bank than tried to convince me that they I never had the money, and that there is a hold for a third item coming out, and that must be my refund but I know for a fact the third hold item which was canceled is not the funds missing from the first two canceled items that are now missing from all record or trace. Furthermore my stimulus check also disappeared, and records are missing from the Irs about where my stimulus payment is. The a
Consumer complaint received 2020-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OK)

The first time select portfolio servicing miss appropriated the principle funds on my Account was The First Payment in XXXX. They did not pay on the Principle. They held the payment for more than 5 Days. Posted it late. Then they sent me a letter about setting up an Escrow Account as an Excuse. This theft pays out for the life of the loan. SPS is still stealing from me on this one. 
The second time sps miss appropriated the Funds on My Account was/is 6 months later. They modified the payout without notice or permission. Sent Me a Statement for 2 months only one payment and did not make the correct payment on the principle. Basically, It says. Don't worry about paying the XXXX payment. Pay XXXX and We'll only charge XXXX $ plus Your regular payment. I called them XXXX. I was told to call back in a couple of weeks to see if it's fixed. Two Times in 6 Months. 
They ASSUME EveryBody has a Computer. Sps has sent me several demand letters for asking for Proof of Insurance Coverage and  threatened to charge my Account XXXX $ for Insurance. My Home was/is Insured. I called the Insurance Company for Them. Told them to Fax Them the Policy had been Changed to sps on XX/XX/XXXX. On XX/XX/XXXX I get another Demand Letter Demanding written authorization signed by all signers of the original mortgage documents which states that you would like to set up and Escrow Account And Copies of current property tax and hazard insurance billing statements showing that these Items have been paid in full for the next ( 12 ) months. Evidence may be in the form of A. A paid in full receipt or B Front and back copies of your checks used to pay the Item in full. That's Verbatum to the Demand Letter. My Account had an Escrow Account when They took It over. 
They can't get the statements out in a reasonable amount of time and are trying to force me to pay late penalties. I've had to call sps more than 10 Times in 6 Months spending a lot of My Time dealing with their Demands. I've also E-mailed Them a couple of Times. I sent a Written Notice of Error on XXXX sps has Pressured Me EXTREMELY HARD for Online Payments. 
My Account. The Account sps acquired from XXXX XXXX Manufactured Housing has/had an Escrow Account Set Up. I did not borrow money  from sps. 
It's XXXX around XXXX XXXX Central USA Time and I'm Posting This. sps has not called me back or e-mailed me back with news that My Account has been corrected. 
sps has done this and other things to people on many other acquired Loans. They have not stopped stealing from People.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MN)

I paid off an auto loan in XX/XX/XXXX, over the duration of the loan I paid extra on the auto loan and also made two payments in the same month. I recently discovered that a late payment was recorded to my credit history in XX/XX/XXXX. Ally never contacted me to inform me they reported a late payment on my credit history so I was not aware of the issue until I applied for a mortgage in XX/XX/XXXX. I was also informed by Ally today that the extra principle payments I made during my loan term were never applied towards my principle. Ally was taking the principle payments and pushing the payment out several months and charging me interest on the auto loan.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AZ)

In XXXX there was XXXX dollars spent using my card ( it was taken from my wallet ) in the state I used to live, XXXX XXXX. I live in XXXX  8 hours away. I am a single mom with XXXX boys and a full time job at a XXXX. Home Depot has denied my fraud claim and my appeal. The items were purchased in store as well as online and deli were to an address that I have never heard. I have always paid my card in full and hadnt used it in 7 months before it was stolen.
Consumer complaint received 2020-09-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (VA)

I am trying to refinance my home to get a lower monthly payment. As part of the process, I requested a payoff statement from my current mortgage provider, XXXX, XXXX. My original request was made on XX/XX/2020 ( 24 days as of writing this ), but nobody from the company has responded to my request. 

I have made a new request, both on their website and through their automated phone system. The company that I would like to refinance with has also made two requests, but nobody is responding.

My refinance company is saying that my rate may go up and I will have to pay a {$500.00} fee if they do not receive this within the next nine days. 

Thank you.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I try to do anything with their website ( currently trying to unfreeze our credit ). It says the website it experiencing difficulties. Try to call them and hold time is 30+. Told them about website but after a week still a problem. Extremely frustrating trying to get a mortgage or get credit opened. We are at their mercy.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I received a letter from Chase Bank informing me that they were lowering my limit to within a few hundred dollars of where the balance is. The letter stated that " one of my chase cards is delinquent, Bankrupt or in a Payment Program ''. The only payment program that I entered was one granted through the Cares Act as a result of the Pandemic. As I was coming out of the pandemic protection program I was hit with a 30 Day Late on this Credit card on my credit report. I called them up and disputed the reporting and I also made the full payment within a day of that phone call and within a day or 2 following my dispute the report was removed from my  report indicating that they were in error. Not more then a Month after that event they did a review of my account and lowered the limit. I thought the Cares act was supposed to protect you from things like this from happening. This was not an event that would indicate an  issue with my personal ability to pay or my personal finances this was an event that forced the entire country be ordered to stay home by the Government. I had been making Minimum only payments on this card for sometime only due to the fact that I have XXXX  children in college and am focusing more on tuition payments than credit cards, during this time I also was not making new charges on the card. I feel like I am being punished for entering the COVID Relief program, I had been a card member in good standing since the year XX/XX/. I called in and spoke with both a Supervisor and a Customer Service Agent and all they will say is that they want me to go through another application and have them do a hard pull on my credit report to maybe get a shot to get my limit back
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK (NC)

On XX/XX/XXXX, an outgoing envelope with check enclosed was stolen from my residential mailbox. The enclosed check # XXXX ( for {$140.00} ) was altered ( quite poorly ) as to payee, date, and amount. The amount was changed to {$8000.00} and was charged to my account # XXXX on XX/XX/XXXX. The theft was discovered on XX/XX/XXXX and immediately reported to the bank, First Horizon Bank ( FHB ) and the XXXX Police Dept ( police report # XXXX ). FHB has been unable or unwilling to reveal the bank or branch where the check was cashed. ALSO, the thief had to know the account balance from FHB in order to leave less than a XXXX dollars in the account. All information and forms requested by FHB were provided on XXXX. It has now been 77 days since the {$8000.00} was removed from the account. I have repeatedly requested of FHB to return the funds with NO response from the bank. I respectfully request your assistance. Thank you. XXXX   XXXX.
Consumer complaint received 2020-09-08
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. (TX)

I'm distressed. Sent investigation on XX/XX/XXXX - XX/XX/XXXX to the Credit Bureaus. 
There's been little to no sign of investigation on any of the accounts questioned and no information has been sent from the bureaus or collection agencies. My credit report hasn't been updated to show accounts have been processed and disputed. 
Accounts false and unknown. The companies have not reached out as well. 

Moreover, the bureaus have been deleting accounts that weren't questioned and reporting open and positive. Why would the Credit Bureaus delete open accounts. There was a XXXX removed from XXXX   and Equifax and added back without my knowledge and it's my understanding I should've been notified ( Account Number : XXXX )
Consumer complaint received 2020-09-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (FL)

Hello, I have a Mortgage payment processing issue I'm currently on a Covid 19 forbearance which started XX/XX/XXXX and ends XX/XX/XXXX. 

I made ( 3 ) Payments and ( 1 ) escrow shortage payment as directed by CSR at the Mortgage Company. 

I know I'm not required to may any payment but I didn't want to get to FAR behind once the forbearance periods ends in XX/XX/XXXX. 

I purchased ( 4 ) United States Postal Service money orders and wrote a " descriptive letter and notated my Mortgage information in detail on each ( 3 ) {$600.00} and the ( 1 ) {$42.00} escrow shortage. Sent them overnight on XX/XX/XXXX via USPS priority mail. 

They were signed, delivered at XXXX on XX/XX/XXXX at the Front desk, mailroom. 
I started calling on XX/XX/XXXX once the " collections calls started coming from the Mortgage Company. TO this day no one can find the " package '' even with the USPS Tracking # which I have the " full history and provided Mortgage Company. 

My call history started on XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX and today and no one has any idea where they are and still no " payment credit to my Mortgage still shows due for XXXX XXXX. 
Today I have spoken to 3 different Departments to no avail. 

I called the FHA HUD FHA Resource Center RE : XXXX. 
I left a message for the XXXX XXXX XXXX and now I'm submitting a complaint. 

Any assistance to the matter or guidance will be greatly appreciated. 

Best Regards,
Consumer complaint received 2020-09-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

XXXX & XXXX XXXX XXXX ( XXXX XXXX XXXX We refinanced our first mortgage on XX/XX/XXXX which was serviced by PHH Mortgage. I have been waiting for the refund of our escrow impound. After two weeks I began calling PHH Mortgage and they keeping telling me they are looking into the matter but after 3 separate calls the answer is the same ; we are checking status and will get back to you. 

Please help me recover my escrow refund. The balance is over {$12000.00} and I had to borrow money to cover the impound account with my new lender. 

PHH Mortgage Services Account # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc. (OH)

I called United collection bureau to pay my debt on 2 medical bills. We only have health savings card to pay medical bills with just enough to cover the debt. They wanted to charge {$14.00} free to make the payment. Would not work with me at all.
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MD)

Enhanced Recovery Compan has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Consumer complaint received 2020-09-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC (MN)

I contacted this company about a delinquent account that appears on my credit report. I asked them to send me documents validating this debt. To this day I have yet to receive such documents nor has the account been marked as " disputed by consumer '' on my report.
Consumer complaint received 2020-09-08
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: Experian Information Solutions Inc. (NY)

On XX/XX/2020 I received hard inquiry alerts from Expirian,  XXXX and XXXX I contact them to let them know that I did not apply for anything on that day .they told me to file a complain first so they can remove those hard inquiries
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (NH)

I received a letter from First Credit Services about a bill for {$180.00} that I do not owe. I canceled my gym membership months ago at the time I cancelled auto pay from my bank account. The gym was not even opened when they were charging me. I told them I would join again once the covid pandemic allowed. I did not even receive a bill from them before they reported me to this credit agency. Please give this dispute your attention. Thank you so much.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Over the weekend, I received an email from XXXX  that my credit limit on a credit card was decreased significantly. Upon my return from my trip, I signed on and noticed that Fifth Third Bank had reduced my credit limit from {$8000.00} to {$4500.00}.

I was given no notice as to why this happened nor do I understand why this happened. I reached out to customer service but they were unhelpful. They couldn't even tell me why this happened only that I should have received a letter, which I never did.

I pay my cards on time. I have no delinquency on my credit report. I have not lost my job. I have a six figure income. I've never used more than 50 % of my credit limit and now with this absurd change, my utilization has gone to 98 % thus affecting my credit report and single handily sabotaging my mortgage approval process, of which I was in the middle of. 

I have been a good customer and never had any issues so this is not only absurd but uncalled for. No other card issuer has done this.
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (NC)

I submitted a complaint against Sequium Asset Solutions on XX/XX/XXXX for a false claim that I owe XXXX XXXX XXXX debt that was already paid. XXXX XXXX XXXX presented false records for cable service that I didn't have after XX/XX/XXXX, and they were uncooperative in resolving the issue. The previous CFPB Complaint Number was XXXX. 

I also submitted a XXXX  Complaint on XX/XX/XXXX and XXXX XXXX with Sequium Asset Solutions agreed to resolve the complaint on XX/XX/XXXX by " A deletion of our account will be processed to have our account deleted from your credit file with the three major credit reporting agencies. There will be no further communication from our office regarding the account. On behalf of Sequium Asset Solutions , LLC I want to apologize for any inconvenience that this may have caused you. '' However, Sequium began corresponding with me by mail last week by sending the same XXXX XXXX XXXX debt collection bills. Ms. XXXX didn't keep her word that was previously given. She doesn't answer her phone and her voicemail is always inactive. 

This morning, I received an email from XXXX  Credit Bureau stating that my " FICO Score decreased, and my FICO Score Rating changed. '' My credit score dropped 22 points from XXXX to XXXX from Excellent to Very Good for no apparent reason. I checked by credit report and there is no change to my report. I can't file a dispute on the XXXX  site because there is no change to my report except for the decrease of my credit score.
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a victim of the 2016 " XXXX  Data Breach '' identity theft case. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report
Consumer complaint received 2020-09-08
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. (TN)

I have disputed the bankruptcy on my credit reports because I have been unable to obtain verifiable information from the court or credit bureaus. Every time I sent a dispute to XXXX, XXXX, and Transunion they verified the judgement listed stating that it was verified by the courts. I have a letter nattached from the Bankruptcy court of TN that backs up this information is not true. I demand that this be removed off of my credit report on all three credit bureaus, unverifable information, and fraudulent claims from the credit bureaus on a verified dispute.
Consumer complaint received 2020-09-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing complaint because the credit bureaus has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark ( Intitial dispute sent on XX/XX/2020 ) and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all informatio which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.