davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I already talked to SPS last week when they called me to tell me they never got the money. That they called the tax accessor and payment was NEVER received from Shellpoint in XXXX nor to Sps XX/XX/year> as Shellpoint claims, BUT SPS was the last servicer. They cant just walk away. Due to XXXX theft or loss of my money due by improperly collecting escrow funds at closing for taxes I didnt even owe. By domino effect SPS than miscalculated my payoff due to a false escrow shortage for escrows collected that no one was ever paid nor refunded to me. I have explained this literally a XXXX times. No one can find my money. So XXXX going to start saying XXXX and SPS stole it. SPS sent you a ridiculous response back on how they calculated the payoff. It must be new math they are teaching. I paid it off XX/XX/XXXX. It was good through XX/XX/XXXX. Its pretty simple to see per diem is still owed to me from XX/XX/XXXX to XX/XX/XXXX. XXXX not sure what they trying to calculate but its pretty simple they owe me back XXXX weeks. I guess I just use common sense. 

Please see attached closing for loan serviced by XXXX XX/XX/year> to XX/XX/year>. They collected money on a commercial loan in error for taxes and insurance. They claimed to have sent it to XXXX XXXX XX/XX/XXXX but i did not owe XXXX XXXX any money due to a certificate of error filed and approved. XXXX XXXX tax accessor to this day DOES NOT HAVE THIS MONEY. 

SPS started servicing XX/XX/XXXX XXXX took another payment for XX/XX/XXXX for taxes and insurance for {$XXXX} for taxes and insurance not owed or due. 

XXXX sent me a statement of the {$XXXX} owed to me. They claimed they wired to XXXX XXXX and then again to SPS but refused to give me ANY PROOF. It is not SPS 's fault but XXXX keeps referring to them. 

What Shellpoint owes is {$XXXX} NEVER WAS DUE Sps Owes me {$XXXX} due to escrow not being short NEVER WAS DUE {$XXXX} for XXXX payment taxes and insurance NOT OWED {$XXXX} for overpaid payoff NOT OWED refund received {$XXXX} so balance still owed to me is {$XXXX} XXXX sold the house and my payoff was for XX/XX/XXXX XXXX I paid it off XX/XX/XXXX. So all this incorrect language and working this odd formula of interest is inaccurate. Also about me already receiving it is incorrect. My overage was for {$XXXX} due to me It is impossible to communicate with XXXX as my account is closed. So I started contacting any email I could find for XXXX. The CEO blocked me. XXXX he owes me money and blocks me???? 

I guess my next complaint is FTC since thats who regulates both banks
Consumer complaint received 2024-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY (FL)

I was applying for mortgage loan, on wells Fargo bank, with XXXX XXXX XXXX, cell. XXXX, after sent all documents that he need, I got approved loan, but, at the end they sent me another requirements : 1.- We need a letter from your employer verifying that you are able to work full-time in XXXX XXXX, FL XXXX And it will not affect your current position and income. The letter must come from your employer XXXX Please send the last pay stub you received from XXXX XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I couldn't load these documents, because I dont have that documents because I am a traveler worker and I work around east coast of United States, and these last years I was working from XXXX to XXXX. 
on XX/XX/XXXX, they called me to ask about these requirements, and I answered I don't have that documents, and he said, that he will ask underwriter, on XXXX  XXXX I got email from XXXX, where said " as you requested, we've cancelled your loan application listed above. this loan is no longer active in our system. 
I called XXXX, telling I did not give up the loan, I never sent any document cancelling the loan, I need a denied letter to get my many back ( {$11000.00} ), but he do not want to fix that.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (GA)

In XX/XX/XXXX, I discovered that Navy Federal Credit Union had listed an incorrect business name on my savings account, which prevented me from accessing my funds. On XX/XX/XXXX, XXXX XXXX emailed me about the account and I later received the check. I contacted XXXX XXXX multiple times, messaging through their customer support channels, and visiting the bank in person to resolve the issue, as I urgently need the funds ( {$2900.00} ) for food and basic necessities, given my current financial hardship and housing insecurity. XXXX XXXX informed me that I must wait XXXX  days to file a declaration of loss, despite the banks error causing the inaccessibility of my funds. This delay has created severe hardship as I am homeless and rely on these funds for survival. Additionally, XXXX XXXX only communicated about closing my account by mail, even though they have permission to contact me by phone, email, or text. They also were aware that I travel for work at that time.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MI)

My card was used to access over {$15000.00} of funds from my unemployment account. I have provided proof and signed documents for statements. US Bank ReliaCard still hasnt given me my funds or rectified the situation.
Consumer complaint received 2016-11-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is my mortgage servicer and they are attempting to foreclose on me with out due diligence. They have not demanded me or given me any notice of default but are saying that they can use a demand from 12 months ago. I have been blocked from making payments and they are not willing to negotiate with me regarding any remedies.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (TX)

I have had an American Express XXXX XXXX since XXXX. During this time I have never made a late payment with American Express. My balance has been about {$50000.00} or so for the last few years. I was out of work for a time and used the card for many of my normal expenses. I was happy to learn that Amex would allow me to " pay over time '' for these charges and make it more manageable for me to pay the card balance off over time. However, the interest rate that Amex is billing to my card monthly ( 20 % of the total balance ) has made it almost impossible to make any progress on the balance. I have called and spoke with Amex multiple times but they have done nothing to even look at my situation. At this point I have been paying them almost {$12000.00} a year in interest. I am asking for your help to have this rate lowered and potentially receive some of the years of interest overpayments back. Here is the interest charged in XXXX to date. 

Month/Interest Charged by Amex XXXX {$830.00} XXXX {$840.00} XXXX {$860.00} XXXX {$820.00} XXXX {$870.00} XXXX {$840.00} XXXX {$830.00} XXXX {$900.00} XXXX {$840.00} XXXX {$870.00} {$8500.00} on a balance that hovers somewhere around {$50000.00} with payments between {$3000.00} to {$5000.00} each month. 

I am happy to provide any more information you need. This seems very extreme to me and not fair to consumers. I expect more from Amex and this is the only way I think I can get their attention and help. 

Thank You!
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

Discover bank prematurely closed my account without my knowledge or request of closing the account. When I spoke with a representative over the phone, I was told it was due to non-usage and and a derogatory mark on my credit report regarding a totally different card company. When I asked what justifies closing of the account under policy, I was told non-usage of a card for 18 months, however my card had not been used in 11 months so this was a premature action. This was my longest standing credit card account so closing this account will negative affect my credit history based on credit age significantly decreasing. I did not request to close this account. The account was closed on XX/XX/year>
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/year>, I set up a Venmo account. After only one small transaction, the account was flagged as a security risk and frozen. I spoke with three different customer service agents. They all told me my account was flagged for security reasons but gave no explanation or offered any resolution. One even told me all he could do was read the talking points that corporate headquarters gave him. I am very concerned that my personal financial information has been labeled a security risk and potentially fraudulent. In my research on this issue, it appears that Venmo has a pattern and practice of freezing accounts, flagging security risks with no substantiation, and withholding funds. I insist that Venmo ( 1 ) remove all security risk flags on my account; ( 2 ) purge their records of all such information related to my account; and ( 3 ) cease and desist all such anti-consumer activity.
Consumer complaint received 2024-10-29
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: Fidelity National Information Services, Inc. (FNIS) (MD)

For some reason Chexsystems didnt investigate on my first dispute about XXXX XXXX XXXX XXXX XXXX. Now I request Method of Verification invoking FCRA 611 ( 15 U.S.C. 16811 ) which forces Chexsystems to reinvestigate the items in the initial CFPB complaint and either verify the SOURCE of information they used in order to return a " verified '' response to the initial CFPB complaint filed with or delete contested items in the initial CFPB complaint Since we know ChexSystems never contacted the FTC to verify the underlying facts alleged in my identity theft affidavit, they fail to disclose the source of their initial " verified ' response, this is noncompliance and negligent with the FCRA.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have never opened or used the following account numbers. I am a victim of Identity Theft and Data Breach. According to FCRS 605B15U.S.C. 1681 C-2 You have 4days to remove the accountsXXXX 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 XXXXXXXX Inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (FL)

This debt collection company " Collection Management CO '' is being falsely reported on my credit report, as well as showing a past due balance which is against the FCRA ad i want them removed from my credit reports immediately. It opened on XX/XX/XXXX, and has already been removed from XXXX, but not XXXX  and XXXX. 
Its amount is for XXXX and showing an open balance on XXXX, while past due on XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (TX)

Name : XXXX XXXX XXXX Consumer ID : XXXX DOB : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX 
City, State, Zip code : XXXX XXXXXXXX XXXX XXXXXXXX To Whom This May Concern, I am writing to request an investigation of the following accounts that I have NEVER opened or used. I am requesting the deletion of the following information from my Early Warning consumer report immediately. 
1 ) Bank Name : XXXX XXXX XXXX a. Open Date : XX/XX/XXXX b. Routing Number : XXXX XXXX Account Number : XXXX XXXX ) Bank Name : XXXX XXXX XXXX a. Open Date : XX/XX/XXXX b. Routing Number : XXXX XXXX Account Number : XXXX XXXX ) Bank Name : XXXXXXXX XXXX a. Open Date : XX/XX/XXXX b. Routing Number : XXXX XXXX Account Number : XXXX XXXX ) Bank Name : XXXXXXXX XXXX a. Open Date : XX/XX/XXXX b. Routing Number : XXXX XXXX Account Number : XXXX XXXX ) Bank Name : XXXX XXXX a. Open Date : XX/XX/XXXX b. Routing Number : XXXX XXXX Account Number : XXXX XXXX ) Bank Name : XXXX XXXX XXXX  a. Open Date : XX/XX/XXXX b. Routing Number : XXXX XXXX Account Number : XXXX XXXX ) Bank Name : XXXX XXXX XXXX a. Open Date : XX/XX/XXXX b. Routing Number : XXXX XXXX Account Number : XXXX Inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ava Finance, Inc (NC)

AVA reported a late payment on my credit report per 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 SEction 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I have contacted Wells Fargo bank and credit bureau several times, I have received the same response. 

I have been working on this since XXXX of XXXX. I received a response in XXXX and then in XXXX I submitted another request.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My card was being stolen, so I contacted the bank and filed a claim. They denied it and asked for my documents of the police report. After I send all of the filed to them, they still refuse to give me back my money
Consumer complaint received 2024-10-28
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: Continental Finance Company, LLC (MO)

On XX/XX/year> or around that time, my Cerulean card ending in XXXX was charged for XXXX XXXX a XXXX fee. The {$1300.00} was from a car rental company for a towed car I rented. I used the card to rent the car. I did not think that this credit card company would except charges over the amount of the credit limit. I have never had a card that does that. Normally a credit card would decline, or an agent calls you and asks if this is a fraud purchase. None of those happened. I did start to pay down this card. I have never heard from this card company by phone or in writing about my account. In XXXX the card company credited {$510.00} to my account. I did not ask them to do that, I hadn't disputed any charges on this card. No one could tell why this was credited. Then in XXXX a chargeback appeared on my statement. I called and asked what was the chargeback for? An agent told me it was from a dispute. I never disputed any amounts on this card. I was paying off the balance. At no time did XXXX call or communicate what they were doing. No representative could explain why this was done. This charge caused my credit score to plummet. What kind of company does this without notifying the customer by writing, email or phone? XXXX should have never accepted any charges over the credit limit.
Consumer complaint received 2024-10-28
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: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

I pulled my credit report and noticed numerous amounts of collections under unknown addresses, I have never signed any contracts with these debt collectors or creditors to furnish any account on my consumer profile. Also, I have reached out to XXXX asking them to verify this debt or remove it from my credit profile in the dispute center in their website. Despite sending proof of identity and residence along with FTC report, I have yet to receive a response or removal of accounts connected to this report! This has became extremely stressful to know the credit bureaus would abuse their reporting rights in this way and cause me mental and financial stress!
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (FL)

I am writing in response to your recent communication regarding the collection of an alleged debt. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of the alleged debt you claim I owe. Specifically, I request the following information : 1. Proof of the debt : Please provide documentation verifying that I owe the debt, including a complete accounting of the amount claimed. This should include how the balance was calculated, including interest, fees, and other charges.

2. Verification of ownership : Provide the name and contact information of the original creditor, along with proof that you are authorized to collect this debt on their behalf.

3. Documentation of payment history : Supply records that outline the original agreement I made with the original creditor, along with the payment history associated with the alleged debt.

4. Proof that the debt is not time-barred : Confirm whether the statute of limitations has expired on this debt and provide the date of last payment.

5. Evidence of debt assignment or sale : If applicable, provide documentation that clearly establishes the transfer of ownership or assignment of this debt from the original creditor to your agency.

Under the FDCPA, I have the right to dispute the validity of this debt within 30 days of receiving your initial notice, and you are obligated to cease all collection efforts and reporting to credit bureaus until you provide this validation. Please also note that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccurate or incomplete information reported to the credit bureaus.

Failure to provide adequate validation within the 30-day timeframe will result in my request that the alleged debt be removed from my credit reports and that no further collection attempts be made. 
Thank you for your attention to this matter. I look forward to your prompt response with the requested documentation.