davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I purchased a new construction, single family home in XX/XX/2018 from a developer in XXXX. That developer bought a parcel of land and built three single family homes on the lot but didn't submit an application to divide the parcel to XXXX County at closing. Before the parcels were divided I received a tax bill for all three ( 3 ) of the single family homes the developer built on the parcel ( ~ {$62000.00} ). I immediately called and emailed my mortgage servicing company, Shellpoint Mortgage Servicing, and informed them of the error, as well as explicitly informed them not to pay the taxes. This was about a month before the taxes were due so they had plenty of time to amend any automated systems. Nonetheless, they paid the tax bill so my tax escrow shows a negative ~ {$43000.00} balance. I realize this is a paper error ; however, I am attempting to refinance my home to what are now historically low interest rates that will save me more than {$50000.00} over the life of the loan. But I can't get a clean payoff statement that reflects what I truly owe. 

I've made probably 40 phone calls and sent ten emails to the Shellpoint team that are always met with confusion, misunderstanding, misdirecting and generally useless customer support. This issue has been outstanding for close to five months and I've had to give up one rate lock already then pay money to lock again and keep my new rate. I've found maybe one or two customer support reps that were helpful and genuinely tried to fix my issue. The balance were rude and just trying to get me off the phone. Time and time again they implore me it's been escalated or that a manager will call but that never happens. I've tried kind approaches and I've tried to be stern but nothing seems to work. I feel like they don't care and aren't doing anything to amend their error. Just today I called the County to see if they've filed a refund but nothing has happened. I feel helpless and this mistake is costing me real money, as well as distracting me from my work and family. Please help!
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (NJ)

To Whom It May Concern : I am writing to give notice of a grave matter of concern regarding the unauthorized and uncompensated use of my source data by SageStream , LLC. It has come to my attention that SageStream , LLC has utilized my source data without obtaining the expressed written permission, authorization or consent, as required under the Fair Credit Reporting Act ( FCRA ). This unauthorized use constitutes a clear violation of my fundamental rights, protected by law under the FCRA, which mandates that consumer data can not be used without explicit consent from the individual. It is widely known that SageStream , LLC resells consumer credit information and source data for profit and monetary gain, unbeknownst to the consumer/registered owner, unjustly enriching SageStream , LLC at the consumer 's expense, which the law may consider trademark infringement and identity theft, and an unfair and deceptive business practice, done in bad faith with XXXX  intent. Take note, the source data in question holds a minimum value of {$7500.00} USD. I demand that SageStream , LLC immediately cease and desist from any further use of my source data and remove all instances of this data from your systems within XXXX business days from the date of this notice. Furthermore, I demand full compensation for the unauthorized use of my source data, amounting to a minimum of {$7500.00} USD. Failure to comply with these demands will result in further legal action to protect all rights and interests. Please confirm in writing that you have received this notice and that you will comply with the demands herein within the specified timeframe.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (IL)

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.They were not in compliance with Us 1637b I would like this late payment Removed immediately
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

To Whom It May Concern, On XX/XX/year> I received a letter from XXXX XXXX Dated XX/XX/year> XXXX. 
XXXX XXXX XXXX XXXX OHIO, XXXX Re : XXXX XXXX XXXX Account XXXX attempted to process the transactions from my XXXX account XXXX according to XXXX but could not withdraw the funds from the account Fiserv : The money sent to your payee or biller on your behalf was returned to XXXX.? 

There is more but I'll submit a copy of the letter later or upon request. 

My concern and problem is with all three parties to this transaction XXXX, XXXX, And Discover. 

I made my Payment, It was posted To The XXXX Account On XX/XX/year> for {$200.00}. 

Also, the payment transaction in question was posted on the XXXX account for {$200.00} on XX/XX/year>. 

After numerous phone calls talking to representatives except for XXXX, I never could get a human representative to respond or explain the reasoning as to why my transaction failed to post to Discover and why Discover Adjusted My Balance To Reflect An Unpaid Transaction when I sent them proof the transaction was covered and paid. 

As Far As The XXXX Representatives I've Spoken With The Transaction Was Paid And There Was No Problem On Their End. 

I'm beginning to suspect fraud, but I hope I'm wrong. 

Signed, Make It Right
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (AZ)

XXXX XXXX stayed in XXXX Ohio at XXXX XXXX XXXX XXXX her mother name is XXXX XXXX in her sister name is XXXX XXXX they have loans from my credit mortgage loans auto loans in everything using my credit I need this investigated XXXX XXXX XXXX he is also connected he is from XXXX Michigan I have the dates of the mortgage loan where the loans where placed at in everything every since this been going on I've been getting harassed in staying in shelters fake chargers being out on me I'm out here fighting for my life everyday while my credit in information is being used I stay at XXXX XXXX XXXX XXXX XXXX XXXX I don't have a car or a place I've been in the shelter my hole life I was XXXX XXXX XXXX XXXX XXXX  everyday I want these people put in prison I don't care this lady is my kids mother the kids can go to a foster home I don't care I never had XXXX nobody gone play with my life inquiry date XXXX mortgage loan removal date XX/XX/year> XXXX XXXX XXXX XXXX California company name credco there number is XXXX in the the other name is XXXX XXXX XXXX XXXX she is from XXXX  XXXX Michigan please investigate this put these prople away the other loan is XXXX XXXX XXXX XXXX there number XXXX inquiry date XXXX the removal date was XX/XX/year> address XXXX XXXX XXXX XXXX Georgia XXXX
Consumer complaint received 2024-08-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sezzle Inc. (OH)

I GOT AN EMAIL TODAY THAT SOMEONE WAS USING MY SEZZLE ACCOUNT THAT I OPENED BUT NEVER USED. 

I COULDN'T CHANGE THE PHONE NUMBER WITH MY EMAIL. 

THE EMAIL CHANGED XXXX TIMES TO XXXX DIFFERENT EMAILS AFTER I TRIED TO REQUEST THE PHONE NUMBER. 

IT SAYS MY PAYMENT STREAK HAS RESET. 

I HAVE NEVER USED THIS COMPANY. 

I NEVER BOUGHT ANYTHING WITH IT. 

THEY HAVE NO LIVE SUPPORT.
Consumer complaint received 2024-08-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: ENOVA INTERNATIONAL, INC. (MI)

I applied online today at XXXX XXXX for a {$400.00} short term loan for a car repair through XXXX and was connected with Netcredit.com. I received an approval of a {$1400.00} line of credit once I entered my data. I was provided a contract online and completed it and requested a {$350.00} advance. At XXXX XXXX I received a decline stating that I already had an account with Net Credit which I do not. I called at XXXXXXXX XXXX and finally spoke to an agent who said their system was being updated and that she didn't have any inifomation because she couldn't access my account and requested I call back in bout XXXX or XXXX hours. At XXXX I received another decline for " bank activity '' ( I don't know what that means ). Then at XXXX I received another email saying my application was being processed, so I thought the previous application was party of their computer issue. At XXXX XXXX, I called again, and was told that despite my contract and the previous approval I was being denied. The agent couldn't even explain what " bank activity '' meant. This entire exchange left me far worse off than if I'd never come across the company. They lied, nicked my credit score by pulling a report after my approval and then denying me, and still left me without the funds to fix my vehicle.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (IL)

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Emerald AR Systems, LLC (AZ)

The company Emerald Ar System is reporting a medical debt that was opened XX/XX/XXXX of 2023 on my credit report. they havent verify the debt and would constantly call me last year about it trying to get me to pay. Just recently they put it on my credit report and didnt list it as medical debt resulting in a XXXX point swing against my credit. 
the amount listed via XXXX XXXX is for {$310.00}. 
From my knowledge all my medical bills have been paid. They havent reached back out to me for awhile but just of XX/XX/XXXX reported against my credit.
Consumer complaint received 2024-08-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: CITIBANK, N.A. (CA)

My name is XXXX XXXX. I have a 18 month Certificate of Deposit with Citibank, Number : XXXX, balance : {$27000.00}, maturity date : XX/XX/2024. The CD Grace Period would be 7 calendar days. I went to the Citibank branch on XX/XX/2024 ( Saturday ), want to close the CD and transfer the funds to my account. The banker who works at Citibank told me I have to call the customer service to close the CD account to avoid the Penalty fee {$500.00} that was being charged for not closing within the grace period time ( 7 calendar days ). I called the customer service line on XX/XX/2024 at XXXX XXXX PST and explained the whole situation to representative. He told me he successfully help me close the CD account and didnt mention the {$500.00} penalty fee was still charged. Ive been contacting Citibank and talked to two supervisors about the matter. As what I thought Grace period of a maturing CD ends on Saturday, Sunday or public holiday, customer can renegotiate or close the account next business day without being assessed a bank penalty since it is considered within the grace period.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have two cards with Cap one XXXX XXXX and XXXX. I upgraded to XXXX XXXX and wanted to get rid of XXXX since now had practically two of the same cards. I planned on either transferring my credit limit from XXXX to XXXX XXXX or downgrading the card. 
Based on the fact I applied for the card in XXXX, I assumed that the annual fee will be charged in XXXX or XXXX ( 12 months ). Instead, the annual fee was charged a month early on XX/XX/XXXX. According to CapOne I have one month to request the fee be waived. I spoke to two individuals today XX/XX/year> -- a rep and a supervisor. Both refused to refund the fee despite my request to downgrade the card. Given that the fee was charged over a month early, I should still be within the timeframe to have it refunded. 

Timeline evidence is attached as screenshots.
Consumer complaint received 2024-08-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (IL)

I blocked many of their numbers. I called their number back and said to stop calling. Then afterwards got text messages instead, to which I replied " STOP ''. I started getting phone calls again after that and this time requested them to find my account number and info ( told them my name and phone number ). They refused to tell me anything and kept saying " we will stop calling you. '' Made it seem suspicious. The phone calls were constant, to the point of harassment. Disturbed my day-to-day activities and completing my job.
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Universal Recovery Corporation (FL)

i am unaware of this alleged debt from UNIVERSAL RECOVERY CORPORATION and i never gotten the notice of the alleged debt within 5 days of them reporting the information on my credit report. If they can verified the information send me the certified mail information with the USPS tracking stating that it was sent within 5 days before posting it on my credit.otherwise i would request that it be delete it from my credit report 15 usc 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

XX/XX/year> I initiated a transfer of {$35000.00} from my Marcus account to my XXXX  XXXX XXXX account. 

XX/XX/year> The transfer was reversed, and my account was placed on temporary hold. I contacted Marcus, but they informed me that they were unable to authenticate my identity using my phone number and state ID. They stated that a case would be created and that it could take XXXX business days for them to reach out to me. I called a second time, explaining the urgency as I am leaving the country soon. They assured me that I would be contacted within XXXX business days. However, I did not receive any communication until XX/XX/year>, when I called them again. At that time, they repeated the same excuse, stating that they were waiting for the back office to create security questions for authentication. 

XX/XX/year> I contacted Marcus once more. They still could not authenticate me because my phone number and New York state ID were not accepted by their system. Despite making XXXX separate calls, my issue remained unresolved. 

XX/XX/year> I called again, only to be told once more that the resolution would take another XXXX business days. This response is particularly frustrating, considering that it has already been XXXX  days without any progress. They also stated that they will be holding my money until I'm authenticated which I'm not sure when it's gon na be.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I am filing a complaint against Chase Bank regarding their credit card services, particularly their claims department. I have XXXX credit claims for which I submitted the required documentation both online and at a branch location. Throughout the process, I was advised by the claims department to visit a branch to escalate the issue and submit the necessary proofs. Despite following these instructions, I was later asked to restart the claims process, which has been extremely frustrating. 

When I attempted to resubmit the claims, I found that there was no option available online, and customer care was unhelpful in assisting me with this matter. The entire process has been unnecessarily stressful, and despite multiple attempts to escalate the issue, no action has been taken to resolve my claims. I am terribly frustrated and seeking your assistance in addressing this matter with Chase Bank.
Consumer complaint received 2019-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (IL)

I took my car to the shop and found that there are some maintenance issues that need to be fixed. Due to a financial hardship I requested that BMO Harris Auto defer a payment so that I could pay for my auto repairs and they said they had to look at my credit and qualify me for the program. All I was requesting is a one time payment deferment. They came back many days later telling me I didnt qualify because my credit report was showing a financial hardship. Well of course it is thats why I called for the deferment in the first place. They said qualifying for the program was the same as qualifying for a new loan. Which makes absolutely no sense. Im already extremely underwater on the loan because apparently the loan was approved for well over what the car was worth by whatever deal the car dealership made with BMO Harris for the loan. My car isnt worth half of what is still owed on the loan. I have deferred payment in the past with other companies and never need to qualify for a program. This is unfair. I have never missed a payment or been reported late. Really I would love to trade the car in but I cant because the value depreciated to a point that I will never be able to get out of the loan. If I cant fix my car and I cant trade it in then how am I supposed to proceed? Their practices are unfair.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NC)

To Whom It May Concern, I am writing to express my extreme dissatisfaction with Discover 's recent actions regarding my account. Despite my repeated attempts to communicate my financial hardship and request assistance, Discover has been unable or unwilling to provide a viable solution. 
On XX/XX/scrub>XXXX XXXX XXXXXXXX  I formally notified Discover of my financial difficulties and requested to discuss options for modifying my account or payment arrangements. Unfortunately, instead of working with me to find a mutually beneficial solution, Discover took the immediate and punitive step of closing my account entirely. 
Furthermore, Discover rejected all of my online payment attempts, even though I have confirmation numbers for these payments. This action is not only inconvenient but also adds unnecessary stress and financial burden. 
This behavior is not only unfair but also demonstrates a complete disregard for my circumstances. I believe that Discover has a responsibility to treat its customers with respect and empathy, especially during times of financial hardship. 
I have attempted to resolve this matter internally but have been met with unsatisfactory responses. As a result, I am formally notifying Discover that I intend to consult with an attorney to explore legal options regarding this matter. 
I expect a prompt and satisfactory resolution to this issue. 
Sincerely, XXXX XXXX XXXX : Confirmation numbers for rejected payments
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was denied getting a loan because of a charge off account from Bank of America in XXXX reported by XXXX. This has caused me a set back and a lot of stress in my livelihood. I contacted Bank of America and they have no such account in their system what so ever. This is my second attempt to get this removed and nothing has been done at all. I demand that this account be removed from my credit report immediately as well as the following inquiries that were not made by me. Thank you 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX