davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ershowsky Verstandig PLLC (VA)

This group is, at worst, a criminal enterprise and, at best, a professional extortionist. They have a client ( XXXX XXXX ) that conducts their business by practicing up front and blatant predatory lending and, when backing borrowers into a position of ruin, Ershowsky Verstandig extorts the borrowers and harasses the borrowers contacts. 

I conducted no business with XXXX XXXX, yet because I hired a contractor to perform a job, and that contractor borrowed money ( at roughly 260 % APR, and no that is not an exaggeration ) from XXXX, we're getting harassed by Ershowsky Verstandig to pay the borrower 's debt, EVEN THOUGH THIS IS NOT OUR DEBT AND OUR WORK WITH THE BORROWER FINISHED MONTHS AGO. And, by the way, in the state of SC where the contractor is, it is a state requirement for a lender to file a Maximum Rate Schedule ( MRS ) with the state if conducting lending with an APR of higher than 18 %. Did XXXX do that? No, rendering their loan illegal to begin with. Yet this attorney group feels perfectly content to continue harassing us for payment. 

They're sending us letters, calling my wife... How this is is legal is beyond me. All I have to say is it doesn't take much to recognize malicious and ethically devoid groups, and Ershowsky Verstandig definitely fits the description. 

As I said on the phone, and will continue to say, stop harassing us.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Deposited check on XX/XX/XXXX. On hold til XXXX Today my account has been restricted for no reason at all. Can't access my funds or pay my bills and will be evicted if I don't pay rent and chase won't let me pay my rent with my money.
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: M&T BANK CORPORATION (NY)

I had started a loan Application with M & T Bank on XX/XX/23. On this date, I had spoken with XXXX XXXX, a mortgage officer at M & T. 

On the very first call, within the first few minutes I had mentioned the house NEEDED a roof and asked if this would be able to be tied into the mortgage, he said he's not sure and we'll see what we can do. By the end of this ~hour long call, after I've given him all of my information I can, I follow up on the roof. He responds " what roof '' ... The first sign of issues. He ends up saying that we can see what we can do, and that we can move forward for now. 

I had given all of my financial information, bank accounts, active payments, loans, etc. From the start XXXX had misconstrued this information, however I did not find this out until later down the line. 

At this point XXXX told me I should go forward with getting an inspection for the house, and I had scheduled with a third party to get this done. 

Over the next few weeks, the roof was a topic of discussion I kept bringing up, as I knew it was a major part of the decision for them to approve the mortgage. Through the entire process he kept just reassuring me that " we'll figure it out ''. 

At this point I had gotten to underwriting. While working with them he had reached out to me to get some clarification on my income and other information, and at this point I found out he was " crossing off '' my car payment since the beginning, and that was inflating the view of what I could afford. 

Additionally, while it was at underwriting, i was mistakenly sent a message by XXXX that was meant to be internal to M & T, and it stated that the " {$5000.00} grant '' was not eligible, and that the bank would have to " cure '' it. Once again, showing that XXXX was not following due diligence for this process. 

Overall it is my strong belief that if XXXX had appropriately reviewed my information and the situation, and that if the team at M & T actually reviewed these calls and processes, that it would be seen that I should have never been told to move forward with inspection, as the house would not have fit within the DTI ratio from the start. 

The manager I have spoken to that was reviewing my case did not know what I was referring to when we discussed it, showing that he had not efficiently reviewed my case, and only referenced it not being something they would refund as it's a " third party expense ''.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ZuntaFi Corp (TN)

I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX and XXXX ) regarding a fraudulent student loan account that I noticed on my credit reports. There is a student loan account with a company called Zuntafi ( which I've never heard of ) and it is not mine. The results of my dispute with XXXX said that the company verified my information as being accurate and that this account belongs to me. This account was reportedly opened on XX/XX/2010 and I have documentation and records to prove that I was at XXXX basic training during that time, so it is extremely impossible that I opened this account. The report also shows that the account is being paid on monthly and I absolutely have no documentation of those payments coming from my account. I've never heard of this company, I never opened this account, and the payments for this loan are not coming from my bank account. I don't know what else needs to be done to prove this account isn't mine and needs to be removed from my credit report. They have no documentation to prove that this account was opened by me and they have no documentation to prove that these payments are coming from my account, because they are not!
Consumer complaint received 2018-11-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (FL)

PHH has effectively kept us from obtaining a loan modification, for which our mortgage loan qualifies. We had always made our mortgage payments on time every month, but when I suffered an unforeseeable job loss, we saw that it was going to be impossible to stay current with our payments. We proactively contacted their Loss Mitigation Department, but were told there was nothing they could do because our loan was current. One of their representatives advised us to miss some mortgage payments and then they would be able to help us. Twice our loan was reviewed for workout options, but we were denied due to lack of sufficient income. Then we were given a forbearance agreement which we accepted and started making the payments. Unfortunately, Hurricane Irma came through and wrecked our home. We were forced to make repairs to ensure the home was livable and could not afford the mortgage payments. Our case manager from PHH told us that even though there was disaster relief allowed for missing mortgage payments, we still had to make our forbearance payments on time. 
This was impossible and we had to stop making payments. We tried again for assistance, but were told that the could no longer review our mortgage for assistance options and we were shut out of help. Then we had to take matters into our own hands and the State of Florida approved us for the Hardest Hit Fund, but PHH rejected those funds because it did not cover the entire past due amount. However, we had the excess money to pay the deficiency, but the PHH representatives refused the money. This has left us high and dry and we are extremely upset and frustrated with PHH. They are sending our loan through the foreclosure process and we need help to keep our home. We are really hoping that you can help us.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CA)

Hi, I hope this letter finds you well. I am writing to file a formal complaint regarding a significant issue with the reporting of my credit information on my XXXX credit report. I have encountered numerous challenges in attempting to rectify this matter with the involved parties, and I am seeking your assistance in resolving it. 

The issue at hand involves multiple inaccuracies related to my Affirm loans on my XXXX credit report. Specifically, I have observed the following discrepancies : Incorrect Number of Charged-Off Loans : I am aware of six Affirm loans that were charged off. However, my XXXX credit report displays a total of seven charged-off Affirm loans, which is an inaccurate representation of my credit history. 

Multiple Collections Companies Reporting the Same Debt : After the charge-off, my Affirm loans were reportedly sold or transferred to three different collections agencies, namely XXXX XXXX, XXXX, and XXXX XXXX. Despite this, Affirm continues to " own '' these charged-off accounts on my credit report. Consequently, the collections agencies have been unable to update the credit bureau themselves, as they " do not own the debt, but only report to Affirm. '' Paid-off Loans Not Updated : Four out of the six Affirm loans were paid in full or settled between XX/XX/XXXX and XX/XX/2023. However, my XXXX credit report still reflects these loans as " charged off and unpaid, '' which is misleading and inaccurately represents my credit standing. 

Unresponsive and Uncooperative Affirm Customer Service : I have attempted to address these issues by reaching out to Affirm through email and phone calls. Unfortunately, I was met with unhelpful responses, stating that the information on my credit report is " accurate, '' despite the evident inaccuracies. 

Dispute with XXXX Unsuccessful : In my efforts to resolve this matter, I disputed the accuracy of the negative accounts with XXXX. Regrettably, they asserted that the information provided by Affirm was accurate and thus could not be removed. 

I firmly believe that these inaccuracies have significantly impacted my creditworthiness and financial standing. As a responsible consumer, I have taken appropriate measures to address my financial obligations, yet the misreporting persists, hindering my ability to access credit and financial opportunities. 

I am hopeful that your intervention will result in a prompt resolution of this matter and restore the accuracy of my credit history. I am prepared to provide any additional documentation or information necessary to facilitate the investigation. 

Thank you for your attention to this complaint. I eagerly await your response and cooperation in resolving this pressing issue.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have an account # XXXX XXXX XXXX Bank that's being reported through XXXX as XXXX or paying as agreed. See Attached Document XXXX ) This account is Only reported on TransUnion, according to XXXX. 
As I looked into the payment History, it's contradictory to the XXXX XXXX. See Attached Document - It reports of a 30 day XXXX XXXX for XX/XX/2021. 

This company has been reporting inconsistencies across the board. How is that one information is shows positive status. 
Then another one separate with Damaging, Negative, and inaccurate information dealing with the exact same account.. This is not Right and it is so unprofessional. 
Why would this company report my payment status as pay as agreed. Then conflicts that positive information with a 30 day past due payment. 

This inaccuracy has negatively impacted any possibility of financing. I ask that this account be REMOVED from my credit reports. It is clearly this company is in violation of the fair credit reporting. 

See Attached supporting documentations Thank you
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Well I requested XXXX remove my child support off my credit report because it is not a loan or a revoling line of credit and XXXX has already removed it but XXXX will not and the info is incorrect also my data was breached from XXXX and all the hard inquiries are not authorized and with my data being stolen I ask for XXXX to delete the incorrect information immediately off my report
Consumer complaint received 2024-02-14
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: CITIBANK, N.A. (NV)

Case ID dispute XXXX {$200.00} XX/XX/year> They keep sending me emails/letter stating past due I get many different responses when I calltoday XXXX in fraud said there is no charges showing, it just hasnt cleared, been told the day I disputed there was a charge but didnt know by whom, after that rep I got supervisor saying no charge existed and the dispute would go away, it didntyesterday the rep said it had to be resubmitted and Id get an email ..did not get Macys American Express..told them nothing was received for the charge too
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO. (AZ)

I am writing this letter because of the treatment I am receiving from Chase Bank on my XXXX loan. Chase decided to close all of our personal and business accounts in early 2020. This was unsettling, but it all worked out fine. I understand that a bank can choose who they do business with. 

Since this time, they still service my XXXX loan. It is impossible to be treated fairly when I call in. They have a hold on our account that causes employees to treat us like we are criminals. I have an XXXX plus credit score, and no criminal record. I have had so much XXXX  over the way I have been treated both in the bank and by phone. I am actually scared to even call in because the representatives are so unkind. 

I used to have a contact in the business side that was really helpful. He went above and beyond to help me, but now he has left. I am unable to login to online banking and honestly am feeling very distressed because I know that nobody will help me. I am entering my correct account number and social but it says that XXXX cant be found. If I call in, I will be passed around and treated unfairly. 

I have been charged forced placed insurance presumably from flood insurance. I have had insurance the entire time that I have had the loan. I have even sent proof of this. Because I am not able to communicate with anyone, I continually get charged fees that I dont understand. Because I am not able to use the website fully, I am not able to make payments toward this specific purpose. I have tried to make extra payments to resolve this. I feel like I will never be able to pay the loan down because there are always fees that nobody will explain to me. 

As a result we are going to move the loan, but we feel that Chase should reimburse the forced placed insurance and associated fees and interest that this has caused all the way back to 2020 since we had insurance and nobody will help us.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

It is illegal to furnish history transactions without written consent. It is a violation of privacy. There is a need to ensure that the Consumer Reporting Agencies defined as ( CRA ) exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Experian, XXXX and XXXX are all Consumer Reporting Agencies. I am defined as the consumer. Being the consumer I am exercising my right to privacy. 
XXXX XXXX XXXXXXXX is defined as a Finacial institution under title 15 USC 1801. I do not and will not give consent written or unwritten, verbal and non-verbal consent to any Finacial institution or ( CRA )
Consumer complaint received 2024-02-14
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Dear CPFB, I am writing to submit a formal dispute regarding National Credit Systems. This issue appears to violate the following consumer protection laws : 18 U.S.C. 8 : Identity theft and assumption of a distinctive name and means of identification 15 U.S.C. 1681b ( 2 ) : Fair Credit Reporting Act ( FCRA ) - Accuracy of information 15 U.S.C. 1681i ( 4 ) : FCRA - Investigative responsibilities 12 C.F.R. 1006.34 ( b ) ( 5 ) : Fair Debt Collection Practices Act ( FDCPA ) - Validation of debts 12 C.F.R. 1006.34 ( c ) ( 4 ) ( i ) : FDCPA - Description of charges National Credit Systems that is located at NATIONAL CREDIT SYSTEMS, XXXX XXXX XXXX XXXX, GA XXXX, in the amount of {$2900.00} and they are violating my consumer rights by using false misleading, misrepresentation and deceptive means. I am letting you know that I am disputing owning any and all debts to them. I am also revoking all your rights of communicating with me through email/text/calls. 

I am requesting debt validation. I am also requesting the purchase agreement between them and the original creditor. Lastly I am requesting that they furnish proof that they are licensed and bonded. Please consider this letter a formal complaint and respond within 30 days outlining the steps you will take to resolve this issue. Please remove this off my credit report and I reserve the right to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal counsel. 

Thank you for your time and attention to this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (GA)

For the past few months, I was trying to use the American Express ShopWithPoints option on XXXX. I noticed that for whatever reason, my Amex Blue card was no longer registered in the XXXX program on XXXX. I have had my Amex Blue card for almost 26 years and this was never a problem in the past. Every time I tried to re-link my Amex card with the program, I got the following error from XXXX : An error occurred while trying to enroll your card with XXXX. 

I finally decided to call Amex this evening ( XXXX ) and they ( agent XXXX ) informed me that the Pay with Points programs were removed from my card on XX/XX/XXXX, as my XXXX card is a legacy card. 

I indicated to XXXX that I never received notification of this pending change to my card. While chatting with XXXX, I researched online and it appears many other cardholders were also caught off-guard by Amex with this change. I asked XXXX to be transferred to a supervisor and so she transferred me to XXXX. 

XXXX mentioned that Amex put out a communication in the XX/XX/XXXX statement that the Pay with Points programs were going away. I informed XXXX there is no way I would have known about this upcoming program change because Amex has not been properly sending me my paper statements. Well over a year ago, I called Amex to complain that my paper statements do not have the correct delivery address printed. In Amex 's system, my address appears correct, however, when they print the statements ( which I can see in the PDF files ), they are truncating my street name, and thus the Post Office is returning the statements back to Amex. Amex previously confirmed they were receiving the statements returned, and that they would fix the issue, but til this day, Amex still have not resolved the problem and I am still not receiving my paper statements. While chatting with XXXX this evening, I pointed out to him that if he goes to look at the PDF of my XX/XX/XXXX statement, he will see the address is still incorrectly printed, and he confirmed as such. I have lived in my home for over 11 years and have no issues receiving mail from any other company. 

Given Amex 's negligence in fixing the postal delivery of my paper statements, I never received the communications in XX/XX/XXXX or XX/XX/XXXX that the Pay with Points program was ending, and as such, I did not have the opportunity to redeem my points with those programs. I am now left with Amex 's current and diminished value redemption options, which will force me to use more points and get less value. 

I have screen captures of my entire chat with Amex, should they be needed for this complaint.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

In XXXX of 2023, My pension amount of {$240.00} stopped coming to my Bank, which was XXXX XXXX  at the time. XXXX XXXX  XXXX with US Bank. So now my Bank is US Bank. The problem is since this merger I have had trouble receiving my pension amount from XXXX XXXX XXXX which is where the amount of {$240.00} was supposed to be coming from to be deposited into my bank account. US bank claims they are not receiving these funds anymore, yet I am still receiving direct deposit summaries from the XXXX XXXX XXXX. So the Bank no longer has my money they claim, and XXXX continues sending receipts that its being deposited somewhere because they are sending monthly deposit summaries. I continue to receive from them with the amount of {$240.00}. I have tried to resolve this with XXXX XXXX  and with XXXX, but the same thing continues to happen with me not receiving my pension payments. Neither party is taking responsibility and acts as if its my fault and continues to say the same thing and that is US Bank claims that they are not receiving anything from XXXX and XXXX continue to send Direct Deposit Summaries.In XXXX, I have requested that XXXX start sending my pension funds directly to me, but so far, I havent received my pension payments. XXXX states that they are sending my payments to Money Market Retirement : XXXX : XXXX XXXX XXXX, Direct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX is the correct Bank number address, but they must have gotten confused because I told them the name of my bank is US Bank XXXX NOT Money Market Retirement.