davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Property Receivables, Corp (CA)

I was informed by Property Receivables , Corp. d/b/a CollectTech that they were trying to collect a debt provided to them by the XXXX XXXX managed apartment community of the XXXX XXXX XXXX in XXXX XXXX , CA . No such debt existed and any debt provided to this collections agency was in error. Property Receivables , Corp. did not provide an explanation of the debt, did not provide an itemized bill or proof of the debt, and took no action to verify that the debt was valid. Property Receivables , Corp. filed a derogatory mark on my credit report and a late payment notice, which has now significantly reduced my credit. I contacted the apartment community and they said it was reported in error and will be fixed with the collections agency. I called the collections agency the next day and they said they filed to remove this mark. However, because my report has a derogatory mark, I have now been declined for credit approval. This company should be reprimanded for their actions. This property management firm should also be reprimanded for their errors, which in turn have caused hardship for my family and me. They knowingly provided erroneous information to a debt collections agency to see if they could gain financially. How many other people paid without question? How much money have they received that is not rightfully billable? Their behavior and actions are fraudulent and they should be investigated and audited.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I had alerted Citibank that I was traveling to XXXX, XXXX from XXXX XXXX via the mobile app and in branch from the dates of XX/XX/XXXX to XX/XX/XXXX. While I was there I had used my card to pay for the hotel, paid at the store and paid a a restaurant as well. Citibank froze my card without any further explanation and said I'd need to wait for a reference letter since they couldn't verify my phone number. Problem is that they are using the phone number and address off public records, I have addressed this issue numerous times and have went in branch to verify my identity at least 4 times over the course of this past month. They are holding almost {$2000.00} of my money that I deposited fair and square XXXX.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-01-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (SC)

I have been paying this account since XXXX. Every month I log in and review the payment and check the balance and interest paid amounts. There has been no update on the account and after I called them the payoff amount they provided was {$400.00} more than what is displayed on the site. I downloaded the statements and none of them show a growing balance, or how the interest is getting paid towards the loan. It's as if my payments that are coming out of my checking account are going nowhere. I've reached out to them to explain this to me, but they only want to talk over the phone even after I've repeatedly asked for a breakdown of the monthly payment so I can see the interest and principal breakdown- you know, like every other loan/credit card company I have ever worked with, but this has been futile with this company.
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I have repeatedly made privacy elections and limited the types of solicitations my mortgage company, Mr Cooper, sends me. I have even submitted a complaint to CFPB about it. Mr. Cooper always does the same thing. They lie and claim " our system isn't showing you've opted-out of these communications '' - I opt-out and they say they've updated their records. Then a few months go by and again they start sending me solicitations and refinance offers. They do this by mail, and every single time I log into the website to make a mortgage payment. Screenshots of both are attached. These are predatory lending tactics. I am current on my loan. I have a good rate and an affordable monthly payment. However, since this isn't lucrative to the mortgage company they think it is appropriate to spam me with " offers to refi. '' If they are doing this to others, they may get people to refi their mortgages when there is really no need. They are preying on people, violating people 's privacy, and lying about honoring privacy opt-out requests.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I opened my account with XXXX checks XXXX of them are cashiers checks and XXXX personal check from my husbands account : The XXXX cashiers checks are # XXXX. For {$9.00}, XXXX # XXXX for XXXX # XXXX for XXXX XXXX of XXXX +. XXXX personal check Total deposit {$43000.00}. 
I have copies of these XXXX checks an copy of my receipt for the deposit. 
When I opened my account they put a hold on funds to wait for the checks to clear. 
Is understandable. I opened the account on XX/XX/XXXX few days later on XX/XX/XXXX XXXXbwent to make a deposit to this account and they told me that my account was frozen because the initial deposit that I made were fraudulent checks, I gave them a few days more and went to the branch again on XX/XX/XXXX to try to make my deposit, thinking that everything was fine and clear, and I had the same situation that those checks were invalid or fraudulent. 
I told them to give my checks back and they told me that they wont give me anything back, I need those checks to prove the other bank that chase was telling me that those checks were fraudulent. Tired about that situation I went to another branch on XX/XX/XXXX To make my deposits and found out the same problem, they treat me like a fool and like scammer and every time they embarrassme in front of the crowd and customers they have. At this point I dont want to deal with them anymore y just want my money or checks back and I want them to clean and clear my name on my credit report. Im not a criminal, they hold my money for almost XXXX weeks and XX/XX/XXXX I was on the phone with someone who claimed that he verified that all those checks were legitimate and today XX/XX/XXXX they are telling me that I never made a deposit for XXXX. 
Im not crazy, y have proof of my deposit and copy of those checks and I do not know what else to do on this situation.
Consumer complaint received 2024-02-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

Company came to XXXX XXXX XXXX XXXX for a promotion cameras people everywhere signed up gave them all my information SNAP card and all was told to go to XXXX office to pick up my cable box also was told it would be {$9.00} a month but I would not have to pay because Affordable Connectivity Program, start getting a bill went to XXXX  store on XXXX three ( 3 ) times to get this situation straighten out even ask to speak with a manager was told not available he would call me back was told don't worry it would be taken care of meaning my bill never got a call back have sent them emails no respond will get an email asking me to bring my old cable box in to get a new one because I had stopped using it because it was not working. Months later account sent to collections
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

Went on XXXX XXXX on XX/XX/XXXX had a XXXX XXXX. 
XXXX balance had a XXXX XXXX. 
XX/XX/XXXX had a balance of {$350.00}. 
XX/XX/XXXX balance of {$11.00}. 
XX/XX/XXXX balance of {$11.00}. 
XX/XX/XXXX balance of {$40.00} ( {$11.00} plus {$29.00} late fee ). 

XXXX XXXX contacted me on XX/XX/XXXX regarding a pass due report on their report Contacted Citi Bank and they stated the balance is {$140.00}. ( {$11.00}, plus 2 late fees of {$29.00} each, and a S/O charge fee of {$80.00} ). Request on why they did not contact me by phone or email due to me being XXXX? stated they sent mail and that the XXXX fee is a payroll deduction fee insert after 90 days. Stated they would remove one late fee of {$29.00} if i paid off balance. I paid {$120.00} on XX/XX/XXXX, CITI bank credited my account of {$29.00} to now have a XXXX balance.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NV)

I made a mistake when filing a dispute to remove my hard inquiries there is a XXXX XXXXXXXX credit card with a credit limit for {$6600.00} that I mistakenly had removed I would like to be replaced please credit line was added to my credit report in XXXX
Consumer complaint received 2024-05-16
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: NCB Management Services Inc. (GA)

XX/XX/year> XXXX a Dispute With XXXX an XXXX, also complaint with CFPB an company responded with ( IRREFUTABLE ) information that was consistant with what i stated an account still wasnt removed. I high lighted there reponse proving balance Different amounts I have Requested copy or the original agreements that created the original debt that includes all signature of all parties. Also I requested proof of chain of ownership the includes proof of assignment that include change of ownership must be from that original creditor to the current owner without breaking chain. Also include a full accounting history from the original creditor including the date an amount of each payment, date of each delinquency leading to the collection status .If any interest of fees have accrued or been added onto the balance. Please send ( Proof ) that such fees are lawful and agreed upon in the original purchase. Proof that you are legally allowed to collect in the State of Alabama including your XXXX  party XXXX XXXX  XXXX. Also send proof that you sent the legally required notice to me before reporting this alleged debt to any consumer reporting agencies, including copies of original notice an any letter tracking your firm maintains FTC vs XXXX XXXX XXXX makes clear that it debt parking without proper notices is a violation of consumers rights.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (IA)

On XX/XX/XXXX I noticed 2 unauthorized debits were taken from my checking account, on that very day, {$6000.00} to XXXX XXXX XXXX, who did not receive and funds and the second was {$4900.00} that was an online check payment made on my account from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX to XXXX XXXX endorse and cashed at a XXXX Bank. 
I went to the BMO branch and reported the fraud and filed the proper forms. The {$6000.00} was refunded to me on XXXX XXXX. However the other funds have not been refunded and they will not talk to me about my case and the branch said it's because it's an identity theft investigation. I have asked the branch to give me updates and they said they can not and I would have to all corporate, corporate said they can not give me update and I need to call the branch, so around and around I have gone I have copies of the check front and back.
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Dear Nationstar c/o CFPB Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX  TX XXXX  RE : XXXX XXXX XXXX ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately.

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}.

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount.

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount.

..

I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX   attorney ; the Chapter XXXX  bankruptcy trustee and court.

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date.

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}.

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX  Nationstar Mortgage Number -- XXXX
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (UT)

On XX/XX/XXXX I made a call to Mr. Cooper about why my payment jumped {$36.00}, I was told it was because of a escrow shortage. I asked how I could bring my payment down and I was told if I paid {$170.00} ( the remaining amount of the shortage ) it would bring my payment down {$20.00}. I gave the go ahead on the payment with the understanding my new payment amount would be {$900.00}. Today ( XX/XX/XXXX ) I check and my payment is still at {$920.00}. I called Mr.Cooper to figure out what was going on, and was told that only a partially escrow shortage was paid. I asked how that could be when I was told it was all paid up in XX/XX/XXXX. The man that I was talking to repeated it was a shortage and that my payment of {$920.00} is not going to my escrow shortage 3 times then hung up on me right at XXXX ( CT ). I feel like I was taken advantage of and ripped off. I have never dealt with such a poor customer service department that refuses to help anyone.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NE)

I am writing to dispute the following incorrect information that appears on my credit report. The accounts listed under JEFFERSON CAPITAL SYSTEMS contain inaccuracies and violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. I am not acknowledging ownership of these debts, and my dispute is based on the legal violations and inaccuracies detailed below. 

Disputed Accounts : * JEFFERSON CAPITAL SYSTEMS ( related to XXXXXXXX XXXX XXXX ) * JEFFERSON CAPITAL SYSTEMS ( related to XXXX XXXX XXXX ) Basis for Dispute : XXXX. Violation of 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : * There is no permissible purpose for these accounts to be on my credit report. According to 15 U.S.C. 1681b, consumer reports can only be furnished under specific conditions, none of which apply to the accounts in question. 

1. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : * Furnishers of information must ensure the accuracy of the information provided to consumer reporting agencies. The accounts in question contain inaccurate information that I have not authorized or recognized. 

1. Violation of 15 U.S.C. 1681 ( a ) ( 4 ) : * The FCRA provides me with the right to privacy and accuracy in the information reported. The accounts in question were reported without my knowledge or consent, violating my right to privacy. 

1. Violation of 15 U.S.C. 1681g ( Disclosures to Consumers ) : * I was not notified in writing within five days of the accounts being reported, as required by 15 U.S.C. 1692g. 

1. Violation of 15 U.S.C. 1692f ( 1 ) ( Unfair Practices ) : * These accounts involve unfair and abusive practices, including the addition of unauthorized amounts, violating the provisions of 15 U.S.C. 1692f ( 1 ). 

1. Violation of the Privacy Act of 1974 ( 5 U.S.C. 552a ) : * These accounts were reported without proper authorization under the Privacy Act, which governs the collection, maintenance, use, and dissemination of personal information by federal agencies. 

1. Violation of the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692g ( Validation of Debts ) : * Debt collectors must provide a validation notice within five days of the initial communication, detailing the amount of the debt, the name of the creditor, and the right to dispute the debt. Failure to provide this notice is a violation. 

Requested Action : Due to the above violations I request that the inaccurate information related to the above-mentioned accounts ( JEFFERSON CAPITAL SYSTEMS ) be removed from my credit report immediately. The presence of these accounts is unjust, and they should not have been included without my explicit consent and proper verification of their accuracy.
Consumer complaint received 2024-05-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP (TN)

I spoke to this company multiple times over an outstanding debt of {$700.00} of which only {$200.00} is overdue. They harass me. Calling me 12 times in the last 7 days and calling family and jobs after being told not too. The stand in manager was very rude when I have explained I have to have XXXX and have some health issues and will get caught up.I advised her to pursue legal procedure. Im then which in me calling back trying to explain to her what happened and what was going on she proceeded to explain to me thats fine Ill file the paperwork with the court. I never had issues with the previous store manager. It wasnt until this lady came I had issues
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (NE)

Several solutions could have been made and instead my money was turned away. 

After I explained multiple issues with the online payment platform that was recently updated, there was no recourse or reimbursement for my account that was heavily compromised. 

In reality those hours turned into days and as it stands now could have been entered into a management team member to resolve. 

However, the poor customer service resulted in trying to take me into a series of steps that were heavily one side and pre determined so whatever information I had to share was a foregone conclusion. 

Very disappointing and will not recommend this company even after multiple years of service. 

I will be filing a complaint with the XXXX and FTC as I believe the software platform and customer service agent used scripted tactics, deceptive practices, detoured my ability to provide payment and worked against my favor with malicious intent.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

As of XX/XX/XXXX bank of america has not yet paid the claims i have filed in XXXX there was XXXX claims i had filled and they where all changed and bank of america is saying they are paying the claims and then they are writing them off this is not right my money was put in to the bank of america XXXX XXXX and i received the first check that was {$330.00} and that was it after that check all the deposits put in my account was stolen i received paper work from bank of america and there where XXXX cards being used at the same time bank of america said that cant happen well i have the statements from bank of america and it shows them all being used at the same time the whole year of XXXX and i contacted unemployment last week and i was told that unempolment put {$57.00} XXXX dollars in my account bank of america said no it was only {$3200.00} XXXX so there is another {$27.00} XXXX dollars missing so i contacted bank of america and they are just telling me that all my claims are pending well these claims have been done sense XXXX this is not fair that they can do this they have been in court and they are to pay these claims and they are not doing it they are saying they are paid and they are not and then they paid XXXX claim XX/XX/XXXX for {$75.00} XXXX and there was only {$25.00} XXXX put in the account and i called them and let them know but they are not correcting the money that was put in the account i have talked to supervisor after supervisor and nothing is getting done
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-18
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: Experian Information Solutions Inc. (TN)

FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIVED ANY GOODS OR SERVICES FROM THESE FRAUDULENT INQUIRIES AND ACCOUNTS