davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-09
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (MD)

I purchased a home in XXXX, XXXX in XXXX, MD. I was up-to-date on my payments until XXXX XXXX. The house was listed for sale in XXXX XXXX as I had secured a position in XXXX to begin in XXXX XXXX ( XXXX ). I attempted to get a deed-in-lieu from my mortgage lender but proceeded in getting referred to office, number, after office, number. I moved to XXXX XXXX XXXX ( the house remained on the market ) but continued to make mortgage payments on the property for 3 more months. All the while getting the run around by the lender about deed-in-lieu, short sale, etc. 
Finally, I XXXX XXXX I declared bankruptcy for basically just the property. Unfortunately, my lawyer did not explain to me that while Chapter XXXX wiped out the debt - the property would remain listed in my name until a foreclosure sale was held. I was led to believe the bankruptcy would remove the home, mortgage, and property taxes from my name and return it to the lender. 
The lender sat on the this property until XXXX!!! Finally, in XXXX of XXXX it was auctioned off. According to an attorney I was working with during that time, the property sold at auction in XXXX XXXX. This was verified by myself with the XXXX County Courts. 
The problem : The purchasing party at the auction did not transfer the property out of my name until XXXX XXXX! when they sold it to a private party. I believe the purchaser of the property at auction as JP MOrgan Bank. Because of their fraudulent or negligent behavior, I have been prevented from purchasing another home. I have been gainfully employed since XXXX. This issue came to light, when 3 years after my bankruptcy, I put a contract on a home. At that time, I was attempting to secure an FHA loan. It was found that although it was 3 years after the bankruptcy - it was not 3 years after the foreclosure because the property sat as a " phantom '' vacant house up to that time. I was told I would need to wait 3 years after the property was sold at foreclosure. 
I have done that - waiting patiently for the opportunity to buy a home. Now, I am checking the Maryland XXXX real property site and it is showing the property did not sell until XXXX, XXXX. But both my lawyer and myself confirmed with XXXX County courthouse the property DID indeed sell at auction in XXXX XXXX. 
Can you please, please help me? I would very much like to secure an FHA loan to purchase a home and would like to begin my search in XXXX before my lease is up. 
Thank you very much for your time.
Consumer complaint received 2017-02-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capital Accounts, LLC (CA)

I visited the office of XXXX XXXX on XXXX XXXX, XXXX for medical check up. At the time of visit, I paid my copay, gave a copy of my health insurance and driver 's licence. On XXXX XXXX, XXXX, Capital Accounts LLC reported open collections of {$530.00} on my SSN to credit reporting agencies. I have never received any communications from either XXXX or Capital Accounts LLC explaining the charges or any notices before sending the account to collections. When I contacted XXXX office, they told me that I have around {$100.00} in balances not covered by my insurance. When I contacted Capital Accounts LLC, they told me that they had sent a letter about this debt to in XXXX. When I asked for information on that communication, I found that they had sent the letter to a person with wrong name and wrong address. Irrespective of them failing to communicate properly to me, they have placed five times more than the balance that I owe in collections. First of all, I do n't even agree with the actual medical bill as I have n't seen the charges are yet. I have never had a late payment, unpaid balance or collections in my entire credit history. This wrong collection has affected my credit score and history and has put me under immense XXXX. When I contacted Capital Accounts LLC, the representative was very rude and threatened me that I have no other options except to pay the debt and get it out of my credit report.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Equifax will not remove two fraudulent credit inquiries that financial institutions made without my consent. These companies allowed an individual to apply for personal loans without verifying my identity and this resulted in a negative impact to my credit score. even though I am a victim of identity theft, experience continues to refuse to remove the two inquiries. 

XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Community Health Investment Company, LLC. (OH)

XXXX In has repeatedly sent me collection notices about an unpaid debt. I wrote to them that I disputed the validity of the debt, as insurance had paid. They responded with a print out of what was owed on the date I went to the hospital, stating only state it is valid. 

It is not valid. They sent me notice less than thirty days after my hospital visit. My insurance has covered this and this company is already affecting my credit.
Consumer complaint received 2015-03-25
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Performant Financial Corporation (VA)

I am in a position to settle this debt, but agency refuses to disclose what portion of what they claim I owe is principal and what are fees and interest that they have added. I have called in excess of XXXX times only to encounter disconnected phone numbers, voice mail boxes that are full, and unreturned calls.
Consumer complaint received 2016-02-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My husband and I received a total of XXXX letters from Bank of America stating : " Your personal Checking/Savings acount ending in XXXX will be restricted in 21 days, and closed 30 days from the date of this notice. 

After careful review of your banking relationship, we 've made the decision to close your account above. We 're notifying you in advance so that you have an opportunity to make other banking arrangements. We apologize for any inconvenience this may cause. '' The letters go on to list 'What I need to do and What you need to know. ' It is dated XXXX XXXX, 2016 and I received it today, XXXX XXXX, 2016. It has a XXXX ID # and a phone number I can call with questions. The phone number is XXXX Monday through Friday from XXXX to XXXX Eastern. 

By the time I got the letter and called the number they were closed but allowed me to leave a detailed message and stated that they would not be able to tell me why my accounts are being closed and would not reconsider their decision. My husband had called earlier in the day when they should have been open and got the same recorded message I got. The message stated they would call us back. 

I have been a good and loyal customer of Bank of America for decades. I have a good amount of money ( preferred platinum customer ) in the bank, have a mortgage through the bank, and absolutely can not think of anything my husband or I have done wrong. I ca n't figure out what we could have possibly done for them to give us two weeks notice that our accounts are being closed. I 'm creeped out that they have come to some unknown conclusion about me that is so bad that they are severing our banking relationship. I have no way to defend myself. Please help me. I do n't know what else to do. 

Thank you,
Consumer complaint received 2015-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC (MN)

I have an account showing on my credit report with XXXX. I call XXXX and was told they sold my account to Jefferson Capital Systems , LLC, located in XXXX MN XXXX. Jefferson is not the one reporting this account on my credit report however they are the ones that have this debt in their possession. Unless you have limitless amounts of time to sit on hold you get no answer to the phone calls. I have called XXXX times today alone and sat on hold for over a half hour. I have tried to call during CST time as I am in the same time zone. called them at XXXX in the afternoon and their office was closed. 
I would like to get my debt paid and off my credit report however I have no way of getting it. Website they provide does n't have any contact information other than the email address which they stated they will not provide me with information. 

How does a consumer pay off their debt when they make it impossible to get the statement to do so? 

I have to take time off of work to call these folks and try and get some sort of resolution I want to get this debt paid.
Consumer complaint received 2017-02-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

While out of work and searching for a new job in XXXX, I proactively requested a mortgage loan modification from Roundpoint Mortgage ( XXXX XXXX because I was unsure how long my job search would last. 
I have never missed/been late on a mortgage payment in 30 years of home ownership and I did n't want to start then. 
RPM and I began a protracted, XXXX loan modification process characterized by having to resend the same paperwork multiple times and XXXX different points of contact that changed without prior notice. 
I made all reduced payments on-time as directed by the loan modification group. 
The net result of my loan modification was a $ 200+ decrease in my mortgage payment and I am totally current. 
During a review of my credit history in XXXX, I discovered that RPM had reported me to the credit reporting agencies as making late payments during the loan modification process even though I was compliant with all instructions from RPM. 
A month of calling and talking to many people at RPM ensued, and despite assurances that it would be taken care of, which yielded no results on XXXX XXXX, XXXX. RPM would not change their reporting me as making late payments. 
This is an unfair business practice. I followed all RPM instructions completely. 
I should not have to bear the brunt of what appears to be a communications gap between the regular mortgage and loan modification groups or a generally bad business practice. 
I request that Roundpoint Mortgage contact the credit reporting agencies ( XXXX, XXXX and XXXX ) and remove the late payment reports from my credit history.
Consumer complaint received 2016-12-01
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

On XX/XX/2016 I submitted a complete Short Sale packet to Financial Freedom for review. They requested a new Property Appraisal by a 3rd party Appraiser of their choosing. On XX/XX/2016 the value came back at {$740000.00}. Based on the terms of the contract provided by financial freedom the appraised value will determine the acceptable purchase offer price which is XXXX % of that appraised value. An addendum with the new price of XXXX % of the new Value was submitted for approval in the amount of {$700000.00}. The note holder CIT group inc. was to give the approval within 2 to 3 weeks of submitted offer. Instead i received an email on XX/XX/2016 with no return or contact information that the appraisal had some Flaws? no explanation as to why the appraisal was not to their liking as i believe they are misinformed of the actual value of the property. The reason for this was a prior appraisal from a former offer from over 8 months ago by an out of area appraiser who gave a value of $ XXXX.with no consideration to the cost of repairs and its current dilapidated condition. That value was given as a hard number that was used and now that an actual and True value was given they cant accept the reality. I think this is acting in Bad Faith and should be reviewed by a second pair of eyes. This is the first time i have ever heard of the banks own appraisers value come into question. I feel this is not fair and they are acting in bad faith. I have informed the buyers to forward this complaint to their attorney as this is not a common occurrence and something definitely is amiss and should be investigated.
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I have was a member of a " breeder 's '' XXXX page for a few months trying to find a XXXX XXXX puppy. I had seen many litters get posted and " people '' posts recommending the breeder. So I finally reached out on XX/XX/XXXX after she had posted a new litter. I asked about a specific pup and price and what the steps were. She said the pup was {$1900.00} but I had to pay {$700.00} up front ( in the form of zelle, XXXX, etc ) to cover holding her and for her XXXX paperwork and she would require the remainder in cash once the pup was in hand. I was a little hesitant to send that much so I had asked if she would do less and I would give her more in cash in person. She seemed to get a little upset as to why I wouldn't trust her and why would I contact her, her page has XXXX followers and she has many references. I admit that I was the one to contact her thinking she was legitimate but to make me feel more comfortable and I think to make it more believable, she agreed to {$500.00} being transferred. I had sent her the {$500.00} through zelle on XX/XX/XXXX. 
She kept asking when I wanted to have the dog home and b/c we were away till Monday I had said Tuesday, XX/XX/XXXX. She offered to meet halfway or deliver. So of course, so I didn't have to miss work I took advantage of her delivering and only having to pay for her gas. On night of XX/XX/XXXX, she sent over a 'sales receiptXXXX ' paperwork XXXX Which made it seem more believable. On our way home Monday, I contacted her to make sure we were good for Tuesday and she said yes but also offered to come Monday night, so we agreed. 30 mins after the plans were confirmed it went downhill! She said her daughter was in the hospital and would have to ship the pup. I knew right then and there that I was in trouble and my deposit was gone! I asked if I would be charged for shipping and she said no. 3 mins later she sent me a link of a shipping agency with tracking and then a random number texts me ( saying it's the shipping company ) and says I have to pay {$1500.00} for insurance, fully refundable, by zelle, XXXX, etc, and the delivery agent will give the money back once they deliver the pup to me! I also got an email from them saying same. She messaged me telling me to pay it, I disagreed. The shipping co called me telling me if I didn't pay, the the pup would go to the pound and the cops now have my info and would come after me! She has refused to give me back my deposit and had blocked me from her page. I wonder how many other people she has done this to! 
I contacted my bank XX/XX/XXXX to file a dispute but unfortunately they denied because it was sent through zelle. 
I have screenshots of everything! And links to her XXXX page if needed!
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

Experian refuses to re-investigate the XXXX negative accounts and refuses to remove them even though they are past the statute of limitations. Also how is it they are still in business and not being sued by federal government for violating the fair trade act? They are currently being sued by the state of Mississippi for violating it. They are harming peoples lives by not doing what they are supposed to. Disputing an item once and not doing it again even XXXX years later goes against the fair trade act. When you call they try to pitch things for you to buy.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I obtained my free annual credit report online on XX/XX/2017. As of XX/XX/2017, a negative account is scheduled for deletion, I attempted to check and dispute online as of XXXX on XX/XX/2017 but was unable to do so, no matter what computer I used.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (GA)

I Have asked EXPERIAN to take off this derogatory information for quite a while and they continue to allow DEBT COLLECTORS to become an unauthorized user of my private non-public information, which is according to the XXXX XXXX XXXX ACT a violation, also this is called IDENTITY THEFT pursuant to XXXX. These CREDIT REPORTING AGENCIES HAVE GOT TO STOP THIS. I have over the years allowed this non-sense to continue and I have got to stop letting this crime go un noticed by an Agency that can assist me in doing the right thing. This going back and forth talking to these CREDIT REPORTING AGENCIES, allowing them to run me around in circles has got to CEASE AND DESIST. I did not give my permission for you to allow the entire XXXX to view and delve into my private affairs. It is my information I am the PRINCIPAL and I must put a STOP to the aiding and abetting, DEFAMATION, COMPLICIT, nature of my once being quiet about situations. These CORPORATIONS have got to be HELD ACCOUNTABLE for their negative connotations of Consumers Private Right of Action. I am going all the way, and if these CREDIT REPORTING AGENCIES do not do what I ask then, I will take it to the next level. For more than XXXX DECADES EXPERIAN has sent back Credit Reports Stating that this is a FRIVOULOUS claim and junk. But you will learn who the real money is and who has the real power this year. I am sick and tired of trying to be the nice XXXX, and allow this XXXX foolishness to continue. I have asked for the removal of this negative, erroneous, inaccurate, information and if not we will see what happens next. You are a service provider and that is it. I did not give you permission to bash me the CONSUMER pursuant to XXXX ( XXXX ). I have allowed you to have my information if I take it out of the loop, you will see what will happen next. If it were n't for the CONSUMER where would YOUR CORPORATION BE? Now you want me to send some more information to you. I do not have to provide you with anything else you have had enough of my information to fumble with. This is not Slavery pursuant to the XXXX XXXX XXXX XXXX. Article XXXX especially talks about the protection of women do not tread on my property. This XXXX is my property and it will be defended by any means necessary. They are sending me a report saying they are not going to re investigate at this time. I need to see what these so called Credit Grantors have sent to EXPERIAN, you ca n't just put random information into my Credit Report without sharing it with me and I do not have to add any kind of statement to my XXXX I did n't apply for anything from these people. I have asked that you stop reporting XXXX XXXX and you just do n't get it. You need to get on your job and validate and verify as I have asked and send me the correct results if not delete. You are just getting paid to put this erroneous information on the Consumers Report.
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I initiated a dispute of highly inaccurate information on my credit report on XXXX XXXX, 2015. Since then I have sent over XXXX letters to the credit bureaus to have them do their role and investigate and remove these inaccurate accounts. Nothing has been done and they claim that they verified the following accounts. I know this is a lie, because I am the alleged debtor and the debtor has n't even verified with me that the debt is properly validated. Pursuant to the Fair Credit Reporting Act the credit bureaus must verify with the furnisher of information on record. This has not been done. Please assist me because my family and I are trying to achieve the american dream of home ownership and the credit bureaus lack of response and irresponsibility is keeping my family from achieving this. The following below are the account numbers that are in question. I have also included the last XXXX letters that have been sent over. 

XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX