davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC (OH)

Complaint : I applied for a loan modification by completing an Application for Success with Rocket Mortgage on XX/XX/XXXX. I am a co-borrower on the mortgage with my wife. My wife has XXXX and has lived in a XXXX home for the last XXXX years. My son, who is my wifes legal guardian. He signed on behalf of my wife when we submitted our Application for Success. My son sent in all of his guardianship paperwork. Later, I was approved for a loan modification, or XXXX XXXX XXXX, on XX/XX/XXXX. Again, my son signed and submitted all of his guardianship paperwork. 



I made my XXXX trial payment on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I made my next payment on XX/XX/XXXX. My payments were on time, and everything was going smoothly. But when Rocket Mortgage sent out the loan modification paperwork, their notary refused to allow my son to sign on my wife 's behalf. Then, Rocket Mortgage called my son on XX/XX/XXXX, and told him that he would need to submit an entirely new Application for Success. 



On XX/XX/XXXX, when I tried to make my monthly payment, Rocket Mortgage called my son, told him that we were in foreclosure status, and told him that he did not have authority to sign for my wife. This came out of nowhere. My foreclosure had already been dismissed, and I was relieved to have everything over with. Now, I am under a great deal of stress because Rocket Mortgage is wrongfully threatening me with another foreclosure and refusing to cooperate with me.
Consumer complaint received 2024-10-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

During refinancing, the company currently holding my mortgage ( PennyMac ) wanted to compete with another offer I received. I was contacted by XXXX XXXX - Loan Officer ( NMLS ID # XXXX ) with PennyMac NMLS ID # XXXX. 

XXXX told me that they could provide a competitive offer at a lower interest rate, but in order to provide me with an estimate, they needed to run my credit. I told him that they should be able to provide a loan estimate without that. He confirmed that he needed my information for his system to produce an estimate. So I told him, only run my credit if you can provide a competitive offer. He confirmed they could so I authorized the credit check. 

I then received a complete mortgage application in my email, ready to be signed, disclosures and all. While looking through the documents, I saw the loan estimate and it was no where near competitive. It looked as though it had charges hidden to trick me into signing a worse deal, with no explanation from XXXX. I tried reaching him for two days and couldnt get a response. Eventually I got in touch with him and told him this was not ok and that I wanted these documents rescinded. As of writing this, that still hasnt happened.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WA)

Since more than one month ago my online banking is not working. Im accesing from abroad ( XXXX ) and I called customer service using XXXX but I was requested to call from the number registered with the bank. 
So I called today XX/XX/XXXX, I was verified using my debit card and pin number, after that the representative asked me where I opened the account and Im XXXX that my account was opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> with the banker XXXX XXXX, but the representative said that is not correct and denied the service.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: P&B Capital Group, LLC (TX)

Today a new account was added to my XXXX credit report by P & B Capital Group LLC in the amount of {$1400.00}. I do not know what this is for. This company has not sent a letter to my current address stating what this debt is for and the amount of the debt. To date I have not received any correspondence as to what this is about. They have not sent anything stating who this pertains to, the amount of the debt or any original contracts showing the creditor. This appeared on my credit report today without any communication as to what it is for. If I would have received something in the mail regarding this debt, I would have asked who is the original creditor, the original balance owed, statements, and original contract. This is a clear and intentional violation of the Fair Debt Collection Practices Act. To date I have not received any written communication regarding this debt, nor have. A debt collector must provide written notice that details the following : 1. The amount they think I owe 2. the name of the creditor 3. How to dispute the debt in writing To date I have not received anything along these guidelines, or I would have promptly responded disputing the debt.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc. (IA)

XXXX XXXX XXXX XX/XX/XXXX Alleged and improperly leveraged my credit with a fraudulent account in the amount of XXXX $ XXXX XXXX On XX/XX/XXXX Alleged and improperly leveraged my credit with a fraudulent account in the amount of XXXX XXXX XXXXAmsterdam collection service Around XX/XX/XXXX Alleged and improperly leveraged my credit with a fraudulent account in the amount of XXXX $ I regret to inform you that these agency 's along with the 3 major credit reporting agencys have improperly leveraged my credit report, and according to the fair credit reporting act, I noticed accounts, inquiries and private information on the report you are furnishing, I also noticed the inaccuracies and can't say they are accurate or legitimate I demand verification of the information on the report as true and correct the f.c.r.a 15 u.s.c-1681 ( e ) ( b ) states your responsibilities and the consumers right and the credit reporting reporting agency ( you ) have to report with maximum accuracy to credit reports also how is it that your reporting income into my report, the above citation in clear language under " exclusions '' says you can't lawfully omit these things.15 use 1681 ( a ) ( 2 ) ( 1 ) of the f.c.r.a says that " transactions '' and/or " experiences '' between the consumer and the person furnishing is not to be included in a consumer report so any transactions or experiences ( late payments ) are not to be parked on my report if you are prohibited from including transactions and/or experiences which in clear clauses ; its illegal therefore i demand you delete all inaccurate and unauthorized items inaccurately parked on my credit, in federal statues 15 usc1666 ( b ) there are procedures that require notices be sent 21 days or less before the due dates, before!! You can validate the debt an lawfully proceed, with proof that you've done diligence like time stamped copies that is a formal cease and desist demanding you stop and reverse the unlawfully ramification bestowed upon me by your actions, and delete these transactions and experiences ( late payments, lines of credit, utilizations an inquiries )
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NJ)

Citi charged my checking account a XXXX XXXX  monthly service fee on XX/XX/2024, despite the account having at least the minimum Enhanced Direct Deposits required to avoid a monthly service fee ( MSF ). In XX/XX/2024, after seeing a Citi notice regarding the upcoming, new minimum requirements to avoid an MSF as of XX/XX/2024, I initiated direct deposits from my employer to go to my Citi checking account and meet the minimum monthly direct deposit amount to avoid an MSF. I was not charged an MSF in XXXX or XX/XX/2024. 

On XX/XX/2024, I checked my account online and called Citi when I saw the MSF. The representative said, " It was a mistake '', and reimbursed my account. When I asked how this mistake happened, the representative said I had a direct deposit on XX/XX/XXXX and I said yes, that's when I was paid by my employer. I asked how this mistake will be avoided in the future, but I did not receive an answer. 

I'm writing this complaint because I believe this " accidental MSF '' is occurring to other consumers and I believe the CFPB would be interested in learning how many consumers are impacted and the total dollar amount.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-09-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (VA)

Received a debt collection notice by mail dated XXXX XXXX, 2024 Reference number XXXX Notice stated in writing there was no interest, no fees but when logged on to their site to pay, the amount was {$490.00} greater with no explanation.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CBC Companies, Inc. (VA)

Please see attached dispute, Investigative Consumer Report Irregularities and Discrepancies in Violation of the Fair Credit Reporting Act | XXXX XXXX XXXX XXXX XXXX | Report No. : XXXX Dated XX/XX/year>2024 2024
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please see attached dispute, Investigative Consumer Report Irregularities and Discrepancies in Violation of the Fair Credit Reporting Act | XXXX XXXX XXXX XXXX XXXX | Report No. : XXXX Dated XX/XX/year> 2024
Consumer complaint received 2024-06-26
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. (TX)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 seven 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
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. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (VA)

I

attempted to apply for a credit card from Chase Bank for a United Explorer Card. Chase informed me that my request was rejected because my credit report showed that I had {$16000.00} owed to XXXX from XX/XX/year>. 

This is the first time I have heard of this.

I have not had any financial interactions with XXXX. I am not sure what Chase is referring to, but Chase suggested they could not give any more information.

I contacted XXXX, and they could find no record of any debt that I owed them, much less any other business I had had with them. I gave them my email address, various phyiscal addresses over the past few years. They found other XXXX XXXX but none with any of the addresses, etc, I provided. 

I am not sure what to do.
Consumer complaint received 2024-10-18
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: BARCLAYS BANK DELAWARE (MO)

On XX/XX/year> I received a notification that a credit inquiry had been placed on my XXXX report from Barclays Bank. I have NOT applied for ANY credit anywhere. I contacted Barclays Bank and was told that they don't show any accounts under my name, social or birth date. I advised them that I want the inquiry removed from my XXXX. They said they can't do that because I have no accounts with them. I contacted XXXX & they said I need to ask Barclays to delete it. I did that and they said they can't help me. They ran my credit from SOMEWHERE and it was not me! I want this removed!
Consumer complaint received 2024-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (TX)

I noticed there was a debt I didn't recognize, from a creditor I didn't recognize on my credit report. I recently sent a certified, and notarized, verification of debt request to XXXX XXXX XXXX. They responded to what amounted to be a typed out statement from another creditor, with an original creditor I know nothing about dating back over XXXX years ago. This is fraud in my estimate, because anyone can type a letter, and they have nothing certifying the debt is mine, no signature, no contract entering into the debt. This is fraud! 

Outside of that, I'm a XXXX  resident, and XXXX  has a XXXX year statute of limitations on this type of debt. This is outside of the fact, that it isn't mine. I am submitting this complaint that will be a part of our lawsuit against this company, and it's insurance company for willful fraud. They continue to report it on my credit report, even though they have nothing certifying that it belongs to me. 

There's also a statement in the letter that states " Although your itemized balance might be {$0.00} your total balance has been forwarded to our office and is listed below ''. If the itemized balance is XXXX, the balance is XXXX. You don't get to just make up numbers. These guys are XXXX.
Consumer complaint received 2024-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (IN)

On XX/XX/year>, my PayPal and Venmo accounts were permanently suspended for alleged " violations '' of their user agreements and policies. After years of normal use and activity, the AI account review algorithm determined that my accounts were " high risk '', and were immediately shut down and XXXX permanently. After talking to several account representatives, who repeated the same vague response, I realized that my request for answers remained futile. I have only used my accounts for various online purchases and for boy scout account transactions with other parents and leaders. I had XXXX conflict where I sent {$150.00} to a wrong person with the same name, and the wrong person never returned the money after repeated requests. I sent a negative note to PayPal with my complaint, and believe they permanently suspended my account in retaliation. The account balances were at XXXX XXXX thankfully, so I am not out of any of my money. This was unfair and very unexpected. I hope to warn others about PayPal 's inexcusable and fraudulent behavior. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC. (SC)

Santander is in violation of the settlement agreement for the identified predatory loan. They were supposed to clear my credit report of derogatory marks related and wipe my it off due to being identified as a predatory loan. They have now moved back to their previous tactics of reporting and updating my status as late payments for a charged off account and harassing me via phone and email. 

I am writing to formally notify you that Santander Consumer USA Inc. ongoing notifications and listing of repossession of my vehicle, associated with Loan/Account Number [ XXXX ], is in direct violation of the settlement agreement in the case of *People v. 
Santander Consumer USA Inc.*, finalized in XX/XX/XXXX. 
Based on the terms of the settlement, particularly as outlined in paragraphs 10, 11, and 12 of the agreement, Santander is required to provide certain consumer relief, including : - **Paragraph 10** : Santander shall not repossess vehicles for consumers who had a loss forecasting score of 401 or less and had defaulted without having their vehicle repossessed as of XX/XX/XXXX. 
- **Paragraph 11** : Santander is obligated to waive the deficiency on loans it owns for Mandatory Relief Consumers , including those with a loss forecasting score of 401 or less.

- **Paragraph 12** : A moratorium on collecting or selling certain consumers loans is in place, specifically regarding Deficiency Relief Consumers. 
As a participant in this settlement, I believe my attempted vehicles repossession is in violation of these specific provisions. I request an immediate review of my account and the situation, with a corrective action to remove degrading marks from my credit and ongoing updates to further sully my credit score.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My son wants to but a beneficiary on his account at chase. And they won't allow it unless he comes into the bank. But he's in the hospital waiting for a XXXX. How do handicap people do it. It's a catch XXXX. And not right. That you can transfer money, withdrawal money without going into the bank. But for a beneficiary they won't allow it. I told them he's sick in the hospital and they told me to bad.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CO)

Bank closed the account because of some past checks that were deposited. But before all those checks there was {$1500.00} in my checking account and {$500.00} in my savings account Wells Fargo only gave me back {$57.00}. Called them back to see what happened to the funds and told me that they couldnt figure it who the funds belong to and kept {$1400.00} from the checking and and {$510.00} from the saving and that money was already in there before those past checks that were deposited.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I bought XXXX dollars of gas for my little 4 cylinder car and the transaction posted. Then I saw another transaction on top of mine for XXXX dollars that was not me and thats a lot of money for gas for my little car. I reported the transaction as fraud and had my debit card replaced as well as my account restored. Then XXXX XXXX department reached a decision that the transaction was authorized. I asked why by calling them and they said because I live in that geographical location that it fits my profile. They refused to provide any more information other than a PIN was not used I am deeply disturbed by this statement.