davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (AZ)

I requested for grace in making the payment and they agreed to it. Never told me about the forebearance or plan of some sort. I got fooled and cheated in a way. I was told that nothing would be reported to the credit bureau for this as I am not delinquent etc. I am upto date with my payments and I am in good standing with M & T bank who is my mortgage lender. I need help fixing this as I am in the process of buying a new home.
Consumer complaint received 2024-08-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Idaho Housing And Finance Association (TX)

I got let go from my fulltime job, I sent a letter to my montage company back in XXXX letting them know that XX/XX/XXXX would be my last day of work. I was sent the information packet XX/XX/XXXX and sent it back on XX/XX/XXXX. I sent a couple emails to the person that sent me the email but they never did respond. I called the Monday of the next week and was told that my house was sent for foreclosure the same day that I called which I believe it was sent when I told them I wouldn't have a job and I was already behind. I requested that I speak with a supervisor and was told she would give me a call once she got out of a meeting and this was on Monday XX/XX/XXXX and still waiting on the call. At my mortgage company I was told by some guy that I didn't qualify for unemployment forbearance because I couldn't afford to make my payments and I didn't have a job and I asked him isn't that what a unemployment forbearance is for? I'm only working a XXXX  job now, my job relocated I sent my mortgage company the letter from my job. I have a FHA Loan on my house and I called them and I was told to call my mortgage company and to be stern with them because it wasn't to late for me to get a unemployment forbearance. Then I was told I think by XXXX that I didn't qualify for it because I was working XXXX XXXX and I told her I had one before and I was working XXXX  XXXX  and she stated maybe the rules changed in Texas. It's like every time I called I get told something different. The only thing they want you to do is a modification which put you in more debt and puts another loan on your house. This is so not fair!! I filled out all forms and sent them back, and now they are saying they didn't get all the information back in time but when I called about they tell me that it's to late to do anything about it but I'm still getting information in the mail, they just want to take my house from me.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NC)

Called XXXX ( did a search and received XXXX XXXX XXXX ). Received an invoice from PayPal, invoice XXXX for XXXX, called for a refund to my account they wanted to gain access to my computer told them it wasnt on and being an IT Tech wasnt going to turn it on they then hung up on me. They then told me that the charge was from XXXX I told them that there IP address was forwarded to someone else to follow them.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: M&T BANK CORPORATION (NY)

I attempted to use my XX/XX/XXXX at a M & T ATM. The ATM number is XXXX. The bank deducted the attempted withdrawal but didn't dispurse the money. I called several phone numbers and spoke to several people without satisfaction on getting the money refunded.
Consumer complaint received 2024-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JNR Adjustment Company, Inc (CA)

On XX/XX/year>, I made an reservation online from XXXX for a XXXXXXXX XXXX XXXX rental car, to be pick up on XXXX XXXX, XXXX  and return on XXXX XXXX, XXXX  which I already paid {$490.00} online. 

On XXXX XXXX, XXXX, XXXX doesn't have any XXXXXXXX XXXX XXXX  available which I was already disappointed, so the employee gave me XXXX XXXX XXXX instead. At the time I asked the employee 3 times if I would need to pay extra, and he said no. 

On XXXX XXXX, XXXX, I returned the XXXX XXXX XXXX, during the return process I asked the employee again if I would need to pay additional fee, and the employee said no again. But about 1 hour later, I received an email that XXXX charged my credit card {$660.00} without telling me anything. 

Within the week, I contacted XXXX 2 times and the representative said they would refund me {$660.00}. After a month of waiting, I didn't see any refund so I decided to make a dispute with my credit card company which I got the credit back. 

Fast forward to recently, I received a letter from JNR debt collector. For the same {$660.00} from XXXX ( attached ), I emailed JNR to get more information ( attached ) and called and left voicemail but still haven't got a response back. 

I am really frustrated how these companies can charge consumers any time they want and now trying to put me in collection and hurt my credit. Could you please help?
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (TX)

On XX/XX/year> I deposited a third party check XXXX {$2300.00} that was endorsed/made payable to me through BMO 's Mobile Deposit feature. I live in Texas and BMO does not have any branches in Texas therefore I could not deposit the check in person. My daughter locked her keys in her car last night so I had to call a locksmith to get the car open and when I went to pay them, the payment was declined. I called BMO and was told ( very rude and callously ) that my entire account was frozen and they were not allowed to tell me why. The young man told me that the " security '' department would have to tell me why but they were closed for the day and would reopen the next day at 8am. I had work meetings the next morning so I wasn't able to call right away and I expected to have a missed call or an email from the " security '' department about the matter but neither happened. So, around 12:30, I was able to call them again. This time I was told the reason for the freeze was the mobile deposit I made the day before. Apparently I need to visit a local branch to deposit a check that isn't made payable to me. The agent then looked for the nearest local branch ( just to find that there isn't one ). Then he said that he would email the " security '' department and have them email me a form to sign ( as well as the third party ) and have notarized so that my account can be unfrozen. That was hours ago and I still haven't received anything. The third party is leaving for vacation tomorrow which means he won't be available to have this document signed and notarized if we don't get it today. I explained this to the agent and he said he escalated it. Still nothing. I can completely understand the {$2300.00} check being frozen and not available for use until the bank can verify it. But I can not understand why MY funds that were ALREADY in my bank account are now frozen while this check is verified. I have ZERO funds for gas, food, emergencies, for anything that comes up. Tomorrow is Friday which means I will most likely have to go the next 3 days without access to my money. As a last resort, I asked the agent to just cancel the deposit all together and I would have the third party deposit it into their account and then just XXXX the money to my account but I was told that the deposit can not be cancelled. I'm at the complete mercy of this institution and they do not appear to understand the urgency. This is unacceptable and after reading over my BMO Bank N.A . Handbook - Deposit Account Agreement for Personal and Business Accounts, nothing in this agreement gives them the legal authority to withhold my funds from me. I need this resolved ASAP.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NE)

I've had an Amex Platinum card since XX/XX/year>. Last year, I noticed that I wasn't traveling as much as I had anticipated, so I asked about switching my card to an Amex Gold card. I made the change from Platinum to Gold, but at no point was it communicated to me that I would have to keep the Gold card for a year to switch it back. I haven't been satisfied with the rewards offered by the Amex Gold card, so I requested to switch back to the Platinum card. Today, I was told that I need to maintain the Gold card for a year before I can switch it back to Platinum. This is very restrictive, especially considering that I was never informed about the requirement to wait a full year to switch my card back.
Consumer complaint received 2024-08-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tribal Lending Enterprise, Inc. (NV)

I applied for a loan under Ascend Loans on XX/XX/XXXX, I was going to make a payment for my full balance as of XX/XX/24 and my next bill is not due until XX/XX/24. At the bottom of their webpage it states " You make make a payment for your loan at anytime without penalty. '' I tried to pay my full balance a day early ( XXXX ), but they stated that they put my account on automatic payment and that because a payment is pending I may not make a full payment for this amount, so now they are saying that I will have to make the full balance payment after this payment goes through, however, if this payment goes through and I pay after I will then be overpaying and penalized from the interest. I tried to reach out to customer service and they would not allow me to cancel this pending payment to make the full balance payment instead, and they would not allow me to do so and stated that I must reach out 3 business days before my payment is due to make the payment, however, if this is the case, it should not state at the bottom of their webpage that I may make a payment for my loan at any time without penalty, as this is now causing more interest fees rather then me just paying the full amount and that is a penalty for that condition.
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (CA)

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX, who is acting as a debt collector on behalf of Discover Bank. I am experiencing significant financial hardship due to my XXXX XXXXXXXX and am XXXX XXXX XXXX XXXX XXXX from the Employment Development Department ( EDD ). 

On XX/XX/year>, I contacted XXXX XXXX XXXX XXXX to discuss a potential settlement for my debt with Discover Bank. Following their instructions, on XX/XX/year>, I sent an email detailing my situation and providing documentation of XXXX XXXXXXXX and XXXX XXXX. Despite my numerous follow-up attempts, including multiple voice messages, XXXX XXXX XXXX XXXX has not provided a clear response. 

In my email, I explained that I am currently XXXX and facing severe financial difficulties due to XXXX XXXXXXXX and XXXX XXXX. I outlined my debts, including judgments from XXXX XXXX and an impending judgment from XXXX XXXX, totaling over {$40000.00}. Despite these challenges, I am committed to avoiding bankruptcy and proposed a lump-sum settlement of {$4600.00} for my debt with Discover Bank XXXX This offer is consistent with the settlements I am negotiating with other creditors. Resolving this debt is crucial for my financial and mental health, and I am prepared to make this payment promptly if accepted. 

When I finally reached XXXX XXXX XXXX XXXX by phone, I inquired about the status of my settlement request and was told that it was denied. However, when I asked if the denial came from Discover Bank, who owns the debt, I did not receive a clear yes or no answer. Instead, I was given vague responses such as " the offer I made is not good. '' The objective of sending documentation and explaining my hardship was to have Discover Bank review it and decide as the owner of the debt. 

Despite providing the requested documentation and a detailed explanation of my situation, XXXX XXXX XXXX XXXX 's lack of clear communication has caused significant stress and hindered my ability to resolve this matter amicably.
Consumer complaint received 2023-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (LA)

On XX/XX/23 XXXX sent an email requesting additional information regarding my XXXX XXXX Form. This form was sent to the XXXX last fall. On XX/XX/23 I responded that you are XXXX XXXX ( XXXX denies XXXX even though they share a phone number ). I asked how they obtained the form. The response was " based on the paper application imaged was a fax copy seemed to from my phone # ''. I then asked if the XXXX XXXX Form came from XXXX the XXXX? 

On XX/XX/23 I received an email from XXXX requesting additional information. I responded with the same question " Did the XXXX XXXX XXXX came from XXXX the XXXX? I received a response on XX/XX/23 from XXXX XXXX stating " I could not tell who sent us the application. The servicer listed is XXXX ECSI ''. XXXX XXXX then offered to cancel which I accepted. 

My scanner is not working, I will gladly forward these emails. I believe this incident to be a scam that could potentially cause great harm.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am respectfully taking this measure due to XXXX XXXX XXXX XXXX not taking a closer look into my dispute filed with them on multiple avenues via : ( them the creditor, XXXX XXXX XXXX, and all 3 credit bureaus ). I was wrongfully accused of a charge off and late payments on my account and they have negatively impacted my reputation and ability to pursue a deserved job opportunity. 

XXXX / XXXX XXXX : Partial loan payments made, not ignored.

Covid-19 delayed work license upgrade classes pushing my back to work date by over 6 months. Spoke to XXXX XXXX XXXX XXXX and they understood my situation and told me directly on the phone and in letter attached they could work with me on payments. Was told on phone a good will deletion of late payments can occur because my circumstances were Covid-19 related. Was told on phone no charge off or missed payment stains would impact my credit report, because this was Covid-19 related and I was making as much payment as I could ( {$500.00} payment, {$50.00}, {$300.00} even {$2000.00} to catch up the dates are truthful examples attached in files ). 

XX/XX/XXXX Maturity Date Email sent to XXXX stating student loan account ending in XXXX is maturing soon and is to be paid off by XX/XX/XXXX. No mention of charge off or late payment consequences. 

My budget was now set to pay loan off early by XX/XX/XXXX. 

On XX/XX/XXXX I showed up to local XXXX XXXX XXXX XXXX branch near XXXX, TX and paid the loan off a whole week early in full in cash of {$5000.00} Credit reports are now reflecting charge off and late payments on this particular account. The account was undeniably paid in full on time ( early ) and never charged off for the creditors IRS tax write off and into another collection agency. 

Under my signed and disclosing loan agreement I have the legal right to exercise and mitigate any negative times in relation to the loan which does include inaccurate defaulting/ charging off of the account.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

To Whom It May Concern : I recently received a copy of my Credit report and I noticed some late payments on my credit report : CAPITAL ONE - Account number : XXXX Your company is is clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, The LAW clearly states : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this to my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include _ ( A ) Subject to section 1681s_3 of this title, any _i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Thank you, XXXX XXXX
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I use fifth third banking, and through XXXX built into the app I was scammed out of XXXX dollars. I was offered XXXX dollars to complete a task, and was sent a check ( {$2000.00} ) that was more than the amount agreed upon. I waited for the check to clear, and then sent back the remaining amount via XXXX. A few days later, the check disappeared from my account, and fifth third did an investigation which resulted in them refusing to do anything about it. I couldn't appeal, and they would not offer any protection against this. The check had appeared in the app as fully processed and cleared.
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

In XXXX we applied for and received a governmentmodification through our mortgage company XXXX. 
In XXXX of XXXX our mortgage transferred to NationstarMortgage. During this time we paid our mortgage ontime each month for the amount listed on our statement. 
In XXXX of XXXX I was informed by Nationstar that ourmortgage would be going up very significantly becauseour previous mortgage company XXXX had been lettingour escrow account go into a negative state of over XXXX said we would need to repay all the money and wantedus to repay in a short period of time with extremely largepayments. I told them I could not pay that amount andwould end up losing my house. After several phone callsand begging they agreed to let us stretch out the repayment. 
Our mortgage is now over {$600.00} more per month. 
I asked for an explanation on how something like this couldhappen and asked several times to speak to a supervisorand was never able to. I even sent a certified letter toNationstar and never received an answer. I asked for ourPMI to be removed to help lower our payment but becauseof the negative escrow amount they said they consider ourloan to be delinquent and until it is all paid back we will notbe able to get rid of our PMI. I said to them our paymenthistory should be considered and that it was n't my fault thatthe previous mortgage company let this happened. I askedwhy it took so long for them to figure it out as I had made 9months of payments to them at the lower amount. They saidthey had done an escrow review and discovered the issue. 
I learned of the increase by calling to pay my mortgage theynever even sent me a letter to explain or show whathappened.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NC)

XXXX XXXX XXXX XXXX is willfully reporting inaccurate information on my Consumer Reports. XXXX XXXX XXXX XXXX has Charged OFF my account ( s ) and sold my account ( s ) and private information to non-affiliated 3rd party RESURGENT CAPITAL SERVICES ; whereas XXXX XXXX XXXX XXXX is currently as of XX/XX/XXXX reporting inaccurate dates, amounts, and a Charged Off account that they sold to RESURGENT CAPITAL SERVICES. Remove all recent hard inquiries pursuant to 15 USC 1681. Any new inquiries are UNAUTHORIZED transactions. Also, remove any and all CHARGE-OFFS from my credit reports. Charge-offs are considered a certificate of indebtedness and are also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF 1974 and the FCRA ACT. XXXX XXXX XXXX XXXX and RESURGENT CAPITAL SERVICES are reporting INCORRECT INFORMATION knowingly. Both parties continue to violate my rights when I have written to these corporations on a vast number of occurrences requesting procedural verification methods/investigations and providing me with proof of who and where you confirmed your alleged information that is being wilfully and fraudulently reported. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, I am owed compensation for your negligence, noncompliance, and knowingly reporting inaccurate information even after investigations have been completed, causing harm, threat, stress, and XXXX  to mine and my children 's livelihood. See the attached evidence.