davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

Complaint Regarding Unrecognized Medical Debt Company Involved : Medical Data Systems IncXXXX ( MDS ) Attn : Dispute Department XXXX XXXX XXXX XXXX, FL XXXX Complaint Summary : Incident Description : On XX/XX/year>, a dispute letter was sent to Medical Data Systems Inc. regarding a medical debt I do not recognize. The letter was received by the company on XX/XX/year>. 

Debt Dispute : The amount claimed by Medical Data Systems Inc. is {$1100.00}. I have no record or knowledge of this debt. The dispute letter requested comprehensive validation, including proof of the debt and authorization to collect. 

Lack of Response : As of now, I have not received any response or documentation from Medical Data Systems Inc. regarding the requested validation. 

Impact : The debt remains on my credit report, causing financial and emotional stress.
Consumer complaint received 2024-08-05
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I have made multiple requests for this information, but unfortunately, I have not received any responses. Furthermore I have explicitly communicated that this situation potentially constitutes invoice fraud, which should neither have been reported nor allowed to continue. Despite my repeated inquiries, the information I requested have remained unprovided.
Consumer complaint received 2024-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

SPS has not confirmed the amount of the original debt, which is still questionable. SPS provided an accounting of monies owed post-modification, which did not satisfy our written request of XX/XX/XXXX. SPS reflects a deferred principal, in addition to a current balance on which payment are being made, totaling more than {>= $1,000,000} ; however, SPS can not explain how we arrived at that amount, and still reflects In Progress for the Note and Deed that are necessary to resolve the dispute. 
A Certificate of Satisfaction was filed by the original creditor. It is our assertion that SPS is attempting to collect on a debt previously satisfied as part of the XXXX lawsuit-driven settlement resulting from practices predatory in nature. We confirmed this having been filed with the court on XX/XX/XXXX ( copy furnished ) by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee, as successor-in-interest to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of the holders of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Asset-Backed Certificates Series XXXX, and have provided it to our counsel. 
Since XXXX, we have been victimized, unknowingly paying on a loan that will never realistically be satisfied, a loan whose validity has yet to be confirmed, a loan with a deferred principal that exceeds the propertys current value and an additional balloon payment of more than {$200000.00} at maturity. This loan has a balloon payment that, at its XXXX maturity, will require my husband and I, who will be XXXX and XXXX  years of age, to secure a new mortgage loan in the amount of {$970000.00}. 
We accepted a modification and unknowingly agreed to predatory terms in an effort to simply keep the home that we have worked so hard for these past XXXX  years. Even after governmental intervention and efforts to implement corrective action of illegal lending practices were put in place, we remain victims of unethical banking activity, to include SPSs failed provision of evidence that supports a payoff in excess of {>= $1,000,000}, far more than what we borrowed, unjustifiably reflective of erroneous fees, and grossly more than SPSs XX/XX/XXXX property valuation of {$630000.00}. 
We have additionally engaged counsel based on SPSs blatant dismissal of our very valid request to confirm the debt in question.
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Dis is faurd I have no dealing with dis company no contact no sign bill are nothing also dat law 15 usc 1692 c clearly states if a consumer notified a debt collector in writing that the consumer refuses to pay a debt the debt collector shall not communicate further with the consumer i also file a ftc report for da record
Consumer complaint received 2024-08-05
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 (PA)

I am in a debt settlement program that negotiates lower amounts with creditors to settle the debt owed. XXXX of my debts is with Discover Bank. The debt settlement company had been trying to negotiate a settlement with Discover, when I was served with papers that I had been sued and had to appear at the Magistrates office on XX/XX/XXXX. I notified the debt settlement company who reached out to Discover to try and work something out before i had to go to court. The morning of the hearing, i was contacted by the settlement company who had reached a settlement with Discover. We accepted the terms, which was a settlement of {$3900.00}, first payment in XXXX of {$570.00} and it will be paid off by XX/XX/XXXX. 

I was told to still show up for the hearing, which I did. The attorney for Discover, was late by an hour and the judgment ruled in my favor. I sat down with the attorney and explained that we had already had come to a settlement which her firm did not tell her. I gave her all the specifics. 

A week later I received a letter in the mail from the Attorney 's office for Discover XXXX, XXXX XXXX XXXX with the terms of the negotiation and the acceptance of the settlement. 

In XXXX, i received a phone call from XXXX, XXXX XXXX XXXX, calling to discuss payment of my debt in full. I had told them that my debt settlement company had already negotiated a settlement with them and Discover, that we were making monthly payments. He had told me he couldn't talk to me anymore since i was working with a debt settlement company and had asked me to have them call him, which i did and they did. 

XX/XX/XXXX, i received a notice in the mail that XXXX XXXX and XXXX were appealing the Magistrate 's judgment XX/XX/XXXX, I received XXXX large envelopes in the mail XXXX from the court and XXXX from XXXX, XXXX and XXXX, that they were suing me for the full amount and that i had XXXX days to answer to the complaint, otherwise a default judgement would be filed against me. 

I filed my answer and new matter on XX/XX/XXXX, well within the XXXX days, the court scheduled a hearing date for XXXX XXXX, XXXX, which by then the debt will be paid in full. 

Today XXXX, i received in the mail from XXXX, XXXX and XXXX a letter dated XX/XX/XXXX telling me that I am in default because i have filed to enter a written appearance personally or by an attorney and file in writing with the court my defense or objections to the claims set forth against me, That i have XXXX days or a judgment will be entered against me and i will lose my property and my rights. 

This is beyond harassment. They settled with me and they are getting their payments, why sue me and go back on our written settlement. Also, they know i have a been working with a company who has a legal counsel who has been assisting me so they are not to be contacting me directly. This company has caused me nothing but anxiety and grief.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

A strange account from Citizens Bank ( Citizens Pay Credit LI ) appears on my credit. I have no idea who applied for this line of credit or why it is showing on my report. this is a fraudulent account and it needs to be removed from my personal information reporting to all credit bureaus.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Im self employed And Im the owner of the business I deposit my checks in my personal checking account but the image wasnt good so the bank returned it So I printed new checks and deposited again Than they closed my account and suspended my money When I called in they told me they need to verify with the owner of the business thats me That the checks are good But nothing is moving forward
Consumer complaint received 2024-08-05
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: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX of this year, I filed a complaint regarding the account WFBNA CARD ( XXXX ), which has been legally paid and has a XXXX balance. My issue focuses on the fact that it is reported as a charge-off with a series of negative remarks according to the XXXX bureau, showing it as a collection account, which is seriously affecting my credit status. For this reason, I disputed this report with the company itself, requesting validation through documentation that would confirm that the account could be reported on my credit history even after being paid. However, their responses were limited to a compilation that did not contain information validating the continued reporting on my history. Upon analyzing my report, I found that the account is reporting incomplete information among the credit bureaus, which represents a violation of my consumer rights established under 15 USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

on XX/XX/year> i received a wire for XXXX in the evening and the the next morning XX/XX/year> the same individual deposited XXXX to my account in person at the branch. the very next day they froze my account and told me i would receive a check in the mail once the account was closed. on XX/XX/year> chase bank closed my accounts. i have made several attempts to resolve the situation. I have brought the party into the branch. more then one occasion. she is also is a chase customer. the case was escalated to chase executive. when i spoke to chase executive office they were unwilling to give a valid reason as to y they holding my money i gave chase all forms of communication with the other party. via phone email and XXXX. chase has unlawfully held my money for almost 2 years with no reason. this loss has cause ripple effect of damage to me and my family. this has cause a major financial hardship.
Consumer complaint received 2024-08-05
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: AMERICAN EXPRESS COMPANY (FL)

AMERICAN EXPRESS is committing securities fraud and identity theft against me. 
15 USC 1692g states I am the creditor not AMERICAN EXPRESS.

15 USC 1666 ( d ) Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX around XXXX to XXXX someone spoofed my Wells Fargo Debit card to make purchases totaling {$1200.00}. These purchases were not authorization by me and could not have been made by me. The reason I say this is because the debit card in question was in my possession at the time and the location in which it was used, is roughly two hours away from were I was ( See attached google timeline ). Along with that, all my retail purchase are made using a credit card ( see attachments ). My checking account that my card is link to is primarily used to pay for bills ( See attachments ). I tried to explain to Wells Fargo that I do not frequent XXXX and that I not in the area. I also tried to explain how it is physically impossible to be in that area using my debit card, when around that time I had just used my credit card in the town that I live in. The action that were taken by the company was to cancel my debit card and open up a claim. 

*Update, I had to reopen this complaint because all my attempts to contact the bank have gone unanswered. I still do not know why my initial claim to the bank was denied. I have not received any documents proving that I authorized the transactions mentioned above. *
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (NE)

XXXX XXXX of XXXX XXXX contacted me about a Mortgage product, had a short discussion with me, and proceeded to do a Credit Inquiry on XX/XX/XXXX without my knowledge.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/ 2024, I received an email from Chase bank stating that a replacement debit card had been issued to me. I had not requested said card. On XXXX XXXX XXXX my wife received an alert notification stating that the account was overdrawn. 
Upon inspection, we noticed three ( 3 ) ATM withdrawals at the above mentioned branch, and one charge at a gas station in XXXX XXXX, AZ. My son 's linked account was also accessed at teller number one, at XXXX. His claim number : XXXX. My wife called and spoke to the bank manager and he confirmed the transaction, as he was the one at teller number one. 
We immediately contacted the bank 's fraud department and worked with them to cancel the card and issue us a new card. 
Claim number : XXXX The bank manager, XXXX, suggested we file a police report, which we then did ( Case number XXXX ). They have camera footage of the perpetrator. According to Chase Bank I need to get a subpoena to get access to the video. They state that according to their records there was no fraud perpetrated. I have proof that I was nowhere near any of the locations at the time of the cash withdrawals. 
I reported the incident to the XXXX XXXX XXXX  and the bank reached out to me thereafter in response. 
To date Chase Bank has not resolved this according to my satisfaction.
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (KY)

On XX/XX/XXXX I got a hotel room they preauthorized XXXX I checked out on XX/XX/XXXX I recently received the finalized bill of {$150.00} & cash app has not returned my {$50.00} after 14 days. They keep taking money without my permission & keeping it blaming other parties, but the other parties have no part of it. 
Date / Description AMOUNT ( USD ) XX/XX/year> - {$150.00} XXXX XX/XX/year> *Accommodation {$130.00} XXXX XXXXXXXX XXXX XXXX XXXX  {$8.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX {$9.00} Terms and Conditions The electronic version of your
Consumer complaint received 2024-08-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: MARINER FINANCE, LLC (WA)

I am a customer of Mariner Finance and use there mobile app. They gave an approval of $ XXXX not a pre approval. They wanted to add my wifes car to the loan and I said no thank you. They went ahead with the offer of $ XXXX approved by underwriting. Today at close they said well someone checked the wrong box in underwriting and we can only offer you {$500.00}. 
They wanted my car added and misrepresented the approved offer. They are making misleasding ads and lying to consumers about approvals in their mobil application when they are clearly offers for a pre-approval. This is a scam that has now caused me suffering.
Consumer complaint received 2024-08-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (FL)

I received a letter on XX/XX/year> from Sallie Mae that my account was placed in administrative forbearance for 60 days, no payments due while I complete the XXXX discharge paperwork as a XXXX Veteran they requested within 90 days of receiving the letter and the paperwork was attached. However, I kept receiving collection phonecalls and threatening emails that they were going to report me delinquent to the credit agencies. I called for a period of 2 weeks, to collections, escalation managers, and even the military department and was assured it would be corrected. However, on XX/XX/year> Sallie Mae reported me 30 days past due, then on XX/XX/year> 60days past due on my accounts. All 3 credit agencies are now reporting me delinquent 60 days for Sallie Mae.
Consumer complaint received 2024-08-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with fraud alerts or security freezes — 
Company: CCF Intermediate Holdings LLC (TX)

In XX/XX/year> my bank accounts was frozen for garnishing. The amounts was for XXXX from both accounts. Spoke with a speedy cash rep in fraud department XX/XX/year> and she informed that name, address and birthday is incorrect on the original application that was submitted online. She informed a fraud package will be sent out again and will stop the transaction from moving any further. 
On XXXX XXXX I sent in information that was requested to company Speedy Cash for investigation purposes. I was sent a response XX/XX/year> stating all documents have been received that was asked for which included FTC, Police Report and Drivers License. I have not received any updates since XXXX XXXX.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

All three of the credit bureaus are reporting different payment history and last reporting date. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThey are reporting also different payment history on each one but has since been updated to paid as agreed XXXX XXXX XXXX XXXX XXXXXXXX each bureaus reporting different account ratings-term length-account type-date opened-payment history XXXX bureau are reporting different payment history- All three of the credit bureaus are reporting different payment history and last reporting date. XXXX XXXX They have two accounts/update to paid as agreed XXXXThey are reporting also different payment history on each one but has since been updated to paid as agreed-update to paid as agreed on account holders account please update on as I am the authorized user XXXX XXXX XXXX XXXX XXXXXXXX each bureaus reporting different account ratings-term length-account type-date opened-payment history-Delete from reports XXXXeach bureau is reporting different payment history-update to paid as agreed
Consumer complaint received 2024-08-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Research Center, LLC (MI)

I am writing to formally address an ongoing issue with my mortgage servicer, Veterans United, regarding the adjustment of my escrow account following the approval of a 100 % property tax exemption. 

On XX/XX/year>, I received confirmation from the City of XXXX, Michigan, that my property was granted a 100 % tax exemption. I promptly contacted Veterans United on the same day to notify them of this exemption and was informed by customer service that my escrow account would be updated accordingly within 3-5 business days. 

However, on XX/XX/year>, I followed up with Veterans United and was informed that only a partial exemption was reflected on my account, and the escrow had not been adjusted. Despite the approval of the exemption, I was still required to pay approximately {$490.00} per month in property taxes. I was advised to resend the documents verifying my exemption status, which I did via email. The representative confirmed receipt of the documents. 

On XX/XX/year>, I contacted Veterans United again to confirm the adjustment of my escrow account. I was told that the documents were not on file and that I needed to resend them. I complied, and I was assured that the account would be updated within 3-5 business days. Despite these assurances, no changes were made. 

On XX/XX/year>, after noticing no adjustments, I sent the documents yet again. Today, on XX/XX/year>, I called Veterans United to check on the status of my account. I was informed that no adjustment had been made. The representative facilitated a three-way call with the City of XXXX, during which we were informed that I owe {$0.00} for the tax year 2024. I also received a written statement from the tax assessor in XXXX, MI, confirming that I have no tax obligation for the tax year 2024. 

I am deeply concerned about the repeated miscommunication and failure to update my account accordingly. This issue has caused unnecessary stress and inconvenience. I request an immediate adjustment to my escrow account to reflect the 100 % tax exemption for 2024 and a formal acknowledgment of the error. Additionally, I seek assurance that such issues will not occur in the future.