davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Short sale was started on XX/XX/17 and several faxes have been sent to XXXX since then. On XX/XX/17 I spoke to XXXX. The rep stated the homeowner had just recently directed XXXX to NOT contact myself or XXXX XXXX XXXX for anything whatsoever, regardless of the signed Authorization Letters they have on file. XXXX is refusing to contact us when documents are needed, and when appointments need to be made. After speaking with the homeowner it became obvious that this was an outright LIE. The homeowner had, in fact, NOT discussed ANY kind of authorization over the phone with XXXX AT ALL, and certainly not in recent months. 


Today, XX/XX/17, we were told the homeowner needed to call in to XXXX at XXXX to correct this error in XXXX system. The homeowner called in to XXXX and requested XXXX to make XXXX XXXX XXXX as the primary contact for all loss mitigation communication. The rep laughed at the homeowner, told her they didnt care that XXXX directed this phone call to be initiated by the homeowner, nor that XXXX already had multiple authorizations on file for XXXX XXXX XXXX, and outright refused to make the requested changes to her account via phone. 


Since when does a homeowner not have the right to direct their lender in how they communicate with authorized third parties authorizations that they, the homeowners themselves, signed? 


This short sale has been opened less than 30 days and XXXX has already committed several illegal acts : ( 1 ) violating servicing guidelines, ( 2 ) deliberately lying to their clients and their authorized third parties, ( 3 ) committing elder abuse against their own client. 


Is the reason they do n't want anyone to speak on this loan is because they have discovered that the seller was taken advantage of and never had the income to afford this home from the time she bought it? What is XXXX trying to cover up? Do they believe they can bully an elderly woman? The debt collection division apparently does as they call her multiple times a day making XXXX threats. 


I fully expect XXXX to issue their standard Sorry but you are lying response. That is the response we receive on every CFPB complaint we file against XXXX. Well, I have read many other CFPB complaints against XXXX and they all have a common theme FRAUD AND ABUSE. I am sure those complainants also receive the Sorry but you are lying response. That seems to be their standard form letter in response to CFPB Complaints. How could it be possible that all of these unrelated people from all over the country would be lying?? The fraud committed by XXXX does not just happen once in a while. It happens on a very large percentage of short sales across the country. We have witnessed this on a daily basis for the last 10 years. When is the CFPB going to step in and do something about the fraud going on at XXXX? When is the CFPB going to hold XXXX accountable? IF I DID WHAT THEY ARE DOING I WOULD BE IN JAIL FOR A LONG LONG TIME!
Consumer complaint received 2024-02-28
Product: Mortgage — USDA 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: Freedom Mortgage Company (FL)

Freedom mortgage is actively trying to con a XXXX person out of their home based on its market value and current equity Have reached out to local news regarding the entire situation We applied for forbearance 6 months ago or more due to hurricane idalia damages home has been and still is not livable they never got us approved no explanation not even a hey you weren't approved communication several managers have been contacted saying oh we'll get it fixed but they never have now i'm getting default letters for a home i've spent the last 6 months investing over $ XXXX in personal funds in repairs and can't live in the home.
Consumer complaint received 2024-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC (FL)

I got a collection under my credit report. The company is called Omega RMS. The amount is XXXX XXXX I never the open the account and I just found out about when I was going through a mortgage approval process that got turn down because that amount of unpaid charges
Consumer complaint received 2024-06-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I am trying to sell my home and have to close my HELOC account. Despite having XXXX balance on the HELOC, and despite XXXX attempts to close the HELOC, it has not been closed. My attorney asked me to have the HELOC " Frozen '' but Customer Services noted they were unaware of how to freeze HELOC accounts. Then my attorney recommended I just close the HELOC account, but I've been trying for over two weeks, unsuccessfully. 

I reached out to customer service on Thursday XX/XX/XXXX. Twice, they hung up the phone one me. Once they noted the account would be closed after I paid the close-out fee ( which I immediately did. ) Several days went by and I inquired again via phone on XX/XX/XXXX about why the close-out fees remained in my account " Unapplied '' and why the account was still open. 

Instead of applying my payment, they said to wait only to send a letter noting that money was due. I visited a branch in person on Friday XX/XX/XXXX and spoke to the Manager ( XXXX XXXX ). He had me sign a letter to close off the account and uploaded it into the system and noted it should be resolved in XXXX business days. 

I looked again at the account on XX/XX/XXXX and my close-out fees sit unapplied. The account is still not closed. I spoke to the Manager XXXX XXXX again on XX/XX/XXXX and he noted he did as much as he could do and he would need to escalate this. 

I'm trying to sell my home but can not do so until this HELOC is closed and the bank will not let me close it.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CBC Companies, Inc. (NC)

XXXX  XXXX XXXX XXXX OWE XXXX MONEY TO THIS COMPANY BUT IS SEATING ON MY CREDIT! 

XXXX XXXX OWE XXXX MONEY TO THIS COMPANY BUT IS SEATING ON MY CREDIT! 

FACTUAL DATAXXXX XXXX OWE XXXX MONEY TO THIS COMPANY BUT IS SEATING ON MY CREDIT!
Consumer complaint received 2024-02-27
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I informed BofA about fraud and they declined my case. Upon made decision I requested all records used to make decision and reconsider my claim again declined with no records of investigation provided to me.
Consumer complaint received 2024-02-29
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Payfare International Inc. (AZ)

I have a dasher direct prepaid card that was provided to me my XXXX so that I can immediately receive my wages. I have had this card for a few months and have had no issues until now. 

On XX/XX/XXXX I tried using my card at XXXX in the box for a small order ( around $ XXXX ) but it kept getting declined. I initially thought there was something wrong with the restaurants system, so I went to sonic and the same issue kept happening. I contacted door dash support and the representative asked me XXXX security questions ( due to her thick accent I had a hard time answering the first question, but immediately provided the correct answer once she repeated herself slowly ). The representative then stated a hold was placed on my card by a third party. I asked if there was anyway to get it removed and she said yes, but that I would have to be escalated. She then transferred me Since I had to get back to work, I was unable to stay on hold so I disconnected with the intention of calling again after work. Later that evening, I called again and spoke to another representative who stated that my situation had to be escalated and that I would be receiving a call from the escalation team within XXXX business days. 

On XX/XX/XXXX, I called XXXX support again because I had not yet heard from the escalation team. I told the representative that I needed this resolved today as this was my third time calling and by this point it has been past the XXXX business day timeframe provided. The representative asked me XXXX security questions ( XXXX that I never choose as a security question and the other I know for a fact I answered correctly ). The representative then stated that I answered both incorrectly and since he could not verify my identity, there was nothing he could do. I asked to speak to someone above him and was told a supervisor would call me in XXXX hours, the representative then hung up. 

This has caused a huge inconvenience to me. I I have funds on this card that I have been unable to access due to this and it is causing unnecessary stress.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a complaint last XX/XX/XXXX, containing disputed items that I want to be deleted. Here is the list of items that I want to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} ( Original Creditor : ) XXXX Balance : {$300.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX this as a follow-up to my previous complaint to make sure the listed items are removed.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (TX)

Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam, I am writing to formally dispute and request verification of an account that your agency, Waypoint Resource Group , is currently handling. The account in question is inaccurately appearing on my credit profile and is significantly outdated. I urge your agency to cease any further collection activities until the accuracy and validity of this account have been verified. 

The details of the disputed account are as follows : Account Holder : XXXX XXXX Original Creditor : XXXX Upon reviewing my credit report, I was surprised to find this account listed, as it is far too old to still be impacting my creditworthiness. I wish to clarify that I have returned all equipment to XXXX, the original creditor, and settled any outstanding debts with them. 

In order to resolve this matter expeditiously, I request that your agency provide me with the original documentation stating the date this account was opened. It is imperative for me to confirm the accuracy of this information and understand why it is still being reported on my credit profile despite its outdated status. 

I am fully committed to resolving any legitimate financial obligations, but it is crucial that I am provided with accurate and verifiable information regarding this account. Therefore, I expect a prompt response and a thorough investigation into this matter. 

Please consider this letter as a formal complaint and a request for immediate action. I anticipate a response within [ specify a reasonable timeframe, e.g., 30 days ] from the date of this letter. 

Should you require any additional information or documentation from my end to facilitate your investigation, please do not hesitate to contact me at [ Your XXXX via email at XXXX Thank you for your attention to this matter. I trust that your agency will address this issue promptly and provide me with a satisfactory resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-29
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. (MA)

Late in XXXX  I filed a dispute with my credit card company, Chase, for the amount of {$780.00} the funds were posted back to my credit card account. A couple of weeks later the merchant and I came to an agreement. I notified Chase that I resolved the issue with the merchant, and they were to send the funds to the merchant, and when the merchant received the funds, they were going to settle with me through the normal course. The merchant never received the funds. I have attached an email chain with attachments. One attachment is from the merchants credit card processing company showing that they never accepted the funds, the other attachment is from the merchants bank stating that the merchants account was never credited the {$780.00}. 
Chase has been extremely difficult to deal with to resolve this issue. I have requested for over one year tracking information and they just recently provided it, which I then provided to the merchant, and they provided to their credit card processing company. 
At this point, Chase doesnt want to discuss resolving this issue with me. I am trying to collect my {$780.00} from Chase. I have been a long-term customer of theirs.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC (OH)

In or around XXXX to XX/XX/XXXX I turned a car in that I purchased from JD Byrider the vehicle was a XXXX XXXX XXXX. JD Byrider and CNAC charged me {$17000.00} with a 21 % APR @ that time I paid over {$6400.00} towards the loan. 
I ultimately had some issues with the vehicle that led to me doing a voluntary repossession. On XX/XX/XXXX CNAC sent me an Explanation of Calculation of Surplus or Deficiency they sold the vehicle according to this document for {$4000.00} then CNAC said that I owed them {$12000.00}. 

I then received a collection notice from XXXX XXXX a debt collector for JD Byrider and CNAC, XXXX XXXX claims that I owe {$12000.00}. 

The problem is that CNAC sold the loan to XXXX which means they no longer are the owners of the debt which means that they also made a profit of the loan and then CNAC admits that they sold the vehicle @ the auction for {$4000.00} not to mention I paid {$6400.00} into the loan which means that CNAC has received in excess of {$10000.00}. 

Since that time CNAC willing and wrongfully reported inaccurate information on my credit and they no longer own the debt and now CNAC continues to violate my rights according to U.S. Title Code 15 Section 1681.

I am demanding that CNAC cease from reporting that inaccurate information against my credit and that CNAC notifies all 3 Major Credit Agencies XXXX, XXXX, and XXXX! 

Also according to XXXX XXXX the vehicle in question was valued @ {$4500.00} so they overcharged me and the vehicle was also on the recall list and that wasnt disclosed to me @ the time i purchased the vehicle
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below 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 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Per the FCR as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non-verbal per 15 USC 6802.

I'm exercising my rights to Opt Out from consumer reporting. I've attempted to and was denied my federally protected rights per the Privacy Act of 1974.

See attachment for further details on the creditor and account details.

Thank you
Consumer complaint received 2024-06-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

The XXXX I attended described the student loan process to me ( XXXX ). I was informed that everything was taken care of during registration. They explained there was an option to use private loans if the Department of XXXX could not cover the cost of tuition. I was told that any private loan servicer, would offer flexible payment options. I was provided with statistics of graduation success rates. 

Nearly half way though my tenor in college, I was pulled out of class to work with financial aid to take out private loans. This would typically happen near finals - A high stress time as a student. I was told if I didn't take out these loans, I would be forced to drop out. I was on track to graduate with honors, and meet the " success rates '' of graduation, I was remined that if I did not finish my degree, I would have large sums of debt. With out the credentials to work. 

After graduation, and while actively applying for work. I received my first student loan bill. It was more than my monthly income. 

I worked with the private student loan department at XXXX. I was told my only option was forbearance. By the time I was able to start making payments on these loans, the capitalized interest ballooned from the ball park of $ XXXX at my time of graduation, to $ XXXX. 

Currently, my monthly payments on these loans are in the ballpark of {$XXXX}. with only ( XXXX ) {$XXXX} being put towards the principle balance. Despite my success in college, and XXXX. I have never earned what the school eluded to my earnings would be, XXXX, after hearing my story, has yet to work with me on my payments. 

I have attempted consolidation. I'm rarely excepted by other lenders. And if so, the monthly payments are higher than my simple apartment.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

An example is that I made a CASH payment for my Chase Credit Card on Friday,XX/XX/XXXX. 

Today is XX/XX/XXXX and CHASE has YET to apply the {$2000.00} to my credit card balance. 

These typea of delays are TYPICAL with Chase whether I make cash, check payments or electronic transfers from another bank. 

When I make electronic transfers from my credit union, the money is removed from the account within two days but CHASE delays the deposit for more than a week. 

In the mean time, finance charges continue to build. 

I informed them that I would be filing complaints against this practice to appropriate agencies.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aldous & Associates, PLLC (TX)

I checked my account/credit report and a lot of accounts came up that I wasn't aware of. I have been a victim of identity theft for 10 years. I also was receiving unfamiliar accounts opened in my name that I wasn't aware of. I did not authorize any of these actions and suspects that my identity has been stolen. I am expressing my concern for resolving this matter and preventing further unauthorized activity.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (FL)

On XX/XX/2024 BMO Harris Bank had notified me that they had issued payment of a fraudulent check in the amount of {$4300.00} against my savings account with them. They have the person who wrote a check against this account ending in XXXX on video and were now aware that the check cashed did not match my signature and that the transaction was indeed fraud. As of this date, I have contacted all various organizations, ( i.e. Credit Bureaus, XXXX XXXX, police report, etc. It has now been almost XXXX months and my money has not been replenished by BMO Harris after multiple attempts. 

Please help.
Consumer complaint received 2024-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (WA)

On XXXX XXXX at XXXX XXXX  I received a text message from Central Portfolio Control Inc. " a licensed bill collector '' asking me to contact their office at a specified number. I did an internet search to verify legitimacy, found the official website, and called them from a number provided there. I was connected with an agent that confirmed my name based off the number I was calling from. They began to try to confirm my identity further by listing the address and birthdate they had on file. All the information, except my name and an old address, was not a match to their account. Despite this the agent wanted me to pay the bill and he offered me a credit if paid within the next 48 hours. He said if I didn't pay it would damage my credit. I told the agent I wanted to call the medical company to verify if I had any unpaid bills that had been sent to collections. I called the medical company and they said all my accounts were paid and closed. I called the collections company back and spoke to a different representative and explained what had happened so far. She said that I was not a match to the person on the account based off the different birthday and other information. I asked if my name and credit would be affected She said the debt was not mine so it would be closed. I'm frustrated that I wasted the entire morning trying to track down a debt that was never mine to begin with. If I was a more naive person I might have paid right away when I was threatened by the first agent who said I should pay despite the fact that my information was different from the person they had on file. I did my best to confirm this was a legitimate business before I called but I still can not shake the feeling I was dealing with scammers making fraudulent claims and I'm concerned about the fact that they have any of my personal information at all.