davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (CA)

Evidence of property insurance has been provided since loan was transfered XX/XX/XXXX Letter from Planet says they will be sure i do not have charges.Yet there is NO PROOF BEEN PROVIDED.Read letter from them 4 letters no detailed payments that were APPLIED WITH PROOF FROM INSURANCE OFFICE EVERY YEAR GIVEN TO PLANET HOME LENDING account had never had impounds for insurance.a 20 % loan to value on a equity line of credit ON property no loan.CONFORMNG 4 plex residential XXXX XXXX XXXX XXXX XXXX XXXX XXXX owner checked in his system shows PLANET HOME LENDING copies being sent automatic.Yet every year they send letter saying they will put insurance.I go get emails from my insurance agent and make him send me copies and them again.The head guy XXXX XXXX year says he will deduct from my account.Planet in the last complaint said THEY WERE SORRY THEY FOUND PROPLEM IT DOES NOT TAKE FROM XX/XX/XXXX TO XX/XX/XXXX TO FIND PROBLEM I have reported to CFPB SHOWING PROOF I need a copy of the charges and reverse charges to be sure there are no charges... I will also send to DEPARTMENT OF INSURANCE AND OTHER AGENCYS TO PROTECT CONSUMER.
Consumer complaint received 2024-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

All my student loans should be on XXXX. I applied for XXXX in XXXX but Mohela only put some of my loans on XXXX because some loans had a grace period and some loans didn't have a grace period. Some loans are from before XXXX  school  and some loans are from XXXX  school. Some loans had been in repayment before and some loans hadn't. Mohela has no process for automatically applying XXXX to loans after grace periods end. Instead they just put loans that fall off grace period on LEVEL. They force me to apply for XXXX a second time with all the same information as the first application. This hasn't been processed since XXXX, it is now the middle of XXXX. I have called so many times. Just recently I was on hold for over an hour and never got to a human. Despite talking to a supervisor a couple months go that put me on admin forbearance they still didn't fix my loans. The supervisor said that my loans should have automatically all been put on XXXX and that Mohela messed them up. She told me that they would put me on forbearance until XXXX and get it sorted out. My forbearance is now ending in two weeks and my loans are still not fixed. They are accumulating interest that shouldn't be accumulating. They say I owe {$1700.00} a month on my LEVEL loans and {$30.00} a month on my XXXX loans. ALL MY LOANS SHOULD BE ON XXXX! They are stealing {$1700.00} from me this month and thousands $ $ $ of interest is accumulating all because they can't do what they are supposed to do. How many thousands $ $ $ are you going to let them steal from me? I can't get the forbearance extending because I can't get through to a human. I'm a XXXX  XXXX. Do you think I have time to sit on the phone all day long while I'm supposed to work XXXX hours a week seeing patients? Does this country just want me to default on these loans? Do you just want to steal more money from me after already making me pay hundreds of thousands to become a XXXX. Should I just let patients die while I try calling Mohela for hours and hours, month after month. They will not answer. They will not fix anything. I have sent them almost 100 messages through their website. They never respond. They never fix anything. PUT ALL MY LOANS ON XXXX!!!! XXXX XXXX XXXX JUST FIX THIS XXXX XXXX YOU ARE STEALING THOUSANDS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FROM ME!
Consumer complaint received 2023-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

I received an email notification that a debt collection was opened on XX/XX/2023 and added to my credit report by a company called CAINE & WEINER COMPANY. The information indicated that the original creditor was PXXXX XXXX XXXX XXXX ; the alleged amount owed was {$300.00}. I have never done business with or heard of either of these companies. I contacted Caine & Weiner CoXXXX on XX/XX/2023 to inform them that I did not owe this debt and wanted the information removed from my credit report. I spoke with three representatives to resolve the problem, XXXX, XXXX, and XXXX. Each time I was told that they could assist me, but first, I would have to pay a {$1.00} fee online to a company called Identity IQ. When I refused to pay the first two representatives abruptly hung up their phones. The last agent informed me that the {$1.00} would allow both Caine & Weiner and me to access my full credit report for seven days, and Caine & Weiner would submit dispute letters to the three credit reporting agencies for ALL of my accounts in collection. I do not owe this debt. The company appears questionable in its business practices.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I tried to defer my payments while I was in school, but they said that they would not defer on XX/XX/2020. I am trying to buy a house and it is defamation to my character and livelihood.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (AZ)

I received a letter from a company named Innovis. According to this company, they are a consumer reporting agency who is collecting my information and storing it onto a report in their database in my name. 
This company sent information before and I freeze everything in their report database dealing with my personal information as I did not grated any permission to this agency to collect my information. I have no dealings with this agency and I would like them a cease and desist of any and all information and communication with me. 
This is how identity theft starts with the trapping over consumers rights without permission. Everything on this consumer report I deem as fraudulent because I have no knowledge of it. I invoke USC15 1681C2 as it is a violation of my rights. I also invoke permissible purpose USC15 1681ED as I do not know the intent or reasoning behind this company nor did I granted permission to my information. 
It is NOT a LAW for this company to violate my rights to privacy, infringement on my information is deemed theft. 
Please refrain from collecting any information on my behalf. I have enough problems with the regular XXXX bureaus unnecessarily and sometimes intentionally violating consumer rights. 
Again, I do not authorize or give permission for this agency to have access to my personal information as it is personal and private. This is a violation of my rights and privacy. 
My next step moving forward will be to formulate a class action suit again this company XXXX there is NO law that grants them ANY access to my personal information. 

Please refrain/cease from sending me any information about a file you do not have legal rights or authority to use.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

Please Provide Consumer Report as well as submit an Opt Out Request to the following email with confirmation XXXX Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations that I the Consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Effective immediately and indefinitely. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (VA)

I am writing to formally dispute a collection account that has been inaccurately reported on my consumer report. It has come to my attention that this collection account has been placed on my report without adherence to consumer protection laws and regulations. 

As per 12 CFR 1006.34 ( b ) ( 5 ), collection agencies are required to provide validation information upon request. However, despite multiple attempts to obtain this information, the collection agency has failed to comply. This failure to provide validation information calls into question the accuracy and legitimacy of the reported collection account.

Furthermore, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of due process denies me the fundamental right to challenge the accuracy of the information being reported about me.

In addition to these violations, it has also come to my attention that the collection agency may be engaging in deceptive practices, which is prohibited by 12 CFR 1006.34 ( d ). Such actions undermine the integrity of the credit reporting system and violate consumer rights.

Upon reviewing the circumstances surrounding this collection account, I have reason to believe that the collection agency may have acquired this debt unlawfully. Therefore, I kindly request that the Consumer Financial Protection Bureau facilitate the retrieval of the purchase agreement between the collection agency and the original creditor.

Obtaining a copy of the purchase agreement is crucial for evaluating the validity and legality of the collection agency 's claims. This documentation will shed light on the nature of their agreement with the original creditor and ensure transparency in this matter.

Additionally, I request that the Consumer Financial Protection Bureau verify whether the collection agency is licensed and bonded. It is essential to ensure that the collection agency is operating within the bounds of the law and meets the necessary regulatory requirements, as stipulated by 15 USC 1681-S2 ( 7 ) ( A ).

I urge the Consumer Financial Protection Bureau to promptly request the purchase agreement from the collection agency and provide me with a copy for my review. Furthermore, I request verification of the collection agency 's licensing and bonding status to ensure compliance with regulatory standards.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure consumer rights are upheld and that proper procedures are followed in resolving this dispute.
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc (OH)

Received a letter in the mail from Stuart-Lippman and Associates concerning a debt owed by the company XXXX XXXX XXXX XXXX of {$7800.00} ( File # XXXX ) to their client of XXXX XXXX XXXX .

I am not affiliated with this company or client and this is not my debt. 

I did call the contact on the paper ( XXXX XXXX ) and let him know this as well.

See attached file for letter.
Consumer complaint received 2024-01-11
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: BARCLAYS BANK DELAWARE (NH)

On XX/XX/2023, while on vacation in XXXX XXXX, I purchased a vacation club membership from XXXX XXXX XXXX XXXX. For the purchase I used four different credit cards and the rest was put on a new credit account ( {$4000.00} ) through Barclays Bank in XXXX DE. 
After doing some research on the vacation club I decided that this was not a good purchase for me and under XXXX consumer protection act I had five business days to return the club membership. 
I returned to the office XXXX XX/XX/XXXX and had everything credited back to my accounts. However at the time Barclays Bank had not processed the account yet. 
XXXX XXXX XXXX XXXX XXXX up a letter stating that I had terminated the purchase agreement and returned all of my charges. 
After returning back home I called all of my credit lenders stating that I had terminated the agreement and that they should be removed. After the investigation all charges were removed except for Barclays Bank. 
After receiving my account information I called them ( Fraud dept. ) immediately to let them know that this account should not have been created. At the time I did not realize it was going to be an issue so I did not write down the actual date. I called again about three weeks later and they said it was still under investigation. I waited another three weeks and made another call and the representative suggested I speak to the charge dispute dept. 
Upon speaking with them they requested any information that supported my claim. I faxed them the letter stating that I had terminated the agreement that was written by XXXX XXXX. 
About 2 months later I received a letter stating that my claim was declined because it was past their 90 day policy. They suggested I reopen the claim and fax any relevant information to support my claim. I did as requested and received the same letter about a month later. 
I called them back again and they refused to help me any further because the company policy states they can not support a claim past 90 days. I informed them that I did call before that 90 day window, I was just put in the wrong dept. For claims processing. The representative said they can see that I filed a fraud claim on my account but was not able to help me any further and suggested I take them to court despite sending them receipts and a letter from the actual company making the initial charge.
Consumer complaint received 2024-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Selip & Stylianou, LLP (NY)

On XX/XX/24 I received a debt collection notice from Selip & Stylianou , LLP Attorneys at Law trying to collect a debt in the amount of {$740.00} from original creditor XXXX XXXX XXXX. 
As of this date I have several fraudulent XXXX XXXX accounts not accrued by me that have gone into collections. 
I have put a freeze on my XXXX XXXX and done all I can to resolve this matter. 
This debt is not mine and I am asking for this debt collection agency to recognize that and close this account immediately. 
I also have a identity theft report filed with the Federal Trade Commission and the reference number for that is XXXX XXXX XXXX
Consumer complaint received 2018-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

During all of 2018, Ive happily used my PayPal account to purchase my important things through merchants. In early and mid months of 2018, the PayPal website would request from me my mobile to number to verify identity again, and it was always successful. On XX/XX/XXXX, I received my third incoming seller payment that I accomplished via XXXX. The amount on XX/XX/XXXX was {$150.00}. My funds were placed on hold until XX/XX/XXXX. The funds were released to me on my PayPal account. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I attempted to purchase socks from XXXX for {$8.00}. My purchase could not be processed by PayPal because I was running into an error message. PayPal once again requested from me my mobile number to verify identity again, of which it was not successful, and is still not successful. PayPal has told me that their security flagging system is automatic, that nothing can be reconfigured, although I hardly believe they tell me the truth. There was not a problem with my identy verification before I processed a seller payment from XXXX into my PayPal account. All of a sudden I ran into error measures that they could not explain to me in any specific way. They clearly have a system larger in scope that simply identify checks. It is based on what theyve made the system which is a system that is built to do whatever it wants whenever it wants to peoples money and personal accounts. I hereby chose to end my relationship with PayPal and close my account. And once again, they have made up their own reality and took illegitimate control over my account. PayPal will not close my account because : A ) Their faulty security system continues to request my mobile identity verification ever after I removed my mobile number from their site, B ) On the telephone PayPal told me I could not close my account until I have withdrawn the funds even though they know I can not withdraw or debit due to their error message, and C ) in a new e-mail dated yesterday, they slammed me with more demands that I must have my withdrawal cheque processed and cleared by my bank before PayPal will choose to close my account. They know for a fact that they can submit unclaimed funds to any U.S. State. They are not legally bound to force me to take funds in order for me to close my account. Theyre creating their own deceptive abusive policy because they have chosen this. I will not do business with PayPal. I do not consent to any business with PayPal. They are not pals in any shape or form. They are XXXX. Greedy XXXX XXXXXXXX with a T.O.S. thats hundreds of pages long, and of how thousands of consumers have hatred for them all over the Internet. My PayPal balance as of this letter date is {$0.00}. PayPal will close my account NOW.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (AZ)

I Applied for a Chase United Explorer Credit Card and my application was denied based upon Number of recently opened accounts on credit report My credit score is XXXX so obviously I am creditworthy. 

Chase would not specify what they mean with recently opened nor would they specify what number of accounts is excessive. Is a second account which was opened 5 years ago excessive? I applied for the same card several months ago and havent applied for any other card. I feel being discriminated by Chase since there was no valid reason to deny my credit application.
Consumer complaint received 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: General Mortgage Capital Corporation (TX)

I sent a check ( ck # XXXX ; {$3100.00} ) for my XXXX mortgage to General Mortgage Capital Company in the beginning of XXXX, and the check was cashed by them on XX/XX/2023. After I sent my XXXX check to them, I received a letter from them that my mortgage was transfer to XXXX XXXX and the payment we paid to General Mortgage Capital Company will be transferfed to XXXX XXXX. Then, I realized that the payment did not transfer to my new loan company, and I started to call General Mortgage and submitted proof of check withdrawal to confirm my payment on XX/XX/2023. Based on the phone call, the CSR from General Mortgage told me that they need to confirm if they have received my payment. If they have received it, it might take XXXX  months to complete the transaction. Then I keep calling to follow up with them, but still no update. The last time I call General Mortgage was on XX/XX/2023. The customer service from General Mortgage told me that they confirmed they did not receive my payment. I was so shocked at that time. Then I called the bank and told them the situation and tried to dispute this transaction. However, after the banker checked on my case, he said this check was cashed by General Mortgage Capital Corporation which is the same with the title on my check. The XXXX bank is unable to stop this payment. Seems like my money disappeared after General Mortgage XXXX XXXX cashed the check. I have attached all the documents, like proof of check withdrawal, letter form General Mortgage Capital Company that showed they did not receive my payment and did not apply the check amount to my mortgage account.. 
Please let me know if you need more information from me.
Consumer complaint received 2023-02-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC (NH)

I was initially looking for a loan to pay off my medical debt and other expenses so I applied online. Then a man claiming to be from speedy cash called me saying I was approved for the loan amount he said his name was XXXX. I checked online to see if speedy cash was a scam or a legitimate company it said the company was legitimate. He sent me a loan application to to sign on the speedy cash letterhead with correct grammar and language. I signed and dated it as well as sent a picture of my drivers license like he requested. He said in order to receive the loan amount of XXXX I needed tp first purchase a prepaid gift card at my local XXXX with XXXX $ on it and then send him the gift card information then they would send the money back tp me along with the loan account via my bank account information. He said because of my bad credit that would make it look like I had already paid off a loan with them and therefore they would be willing to loan me a greater amount. So I initially loaded a XXXX gift card with XXXX $ dollars and sent him that gift card information. He said it wouldnt work because the care had to be worth the exact amount of the loan which was {$290.00}. I proceeded to repeat the processs with the correct amount on the card. After which he returned the XXXX to my bank account assuring me the XXXX would come later that night. This was on XXXX  night. I assumed because of the weekend and the bank holiday the payment hadnt processed yet. But when I tried calling his direct line back no answer. So I called speedy cash directly. They has no record of an application or loan and informed me it was a scam so now I am reporting it to the appropriate authorities. This man has my drivers license and bank information and Im terrified of what he will do with it. Please help.
Consumer complaint received 2018-10-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IN)

My checking account was closed out in XX/XX/2018 due to what the bank claimed as insufficient funds. The account did go into the negative, but would've been offset by the credit that the bank manager at XXXX XXXX Branch in XXXX GA was supposed to make. Upon opening the account I was qualified for a new customer bonus after I used the debit card 8 times within the first month. Well, the branch mailed the debit card to an address that was never mentioned when I opened the account ( which happened to be an old account for my old ESPP account ). The card was bounced back to the bank 's operating center and I requested a replacement, which was also sent to the wrong address. No clue as to why they never mailed to the address specified when I opened the account. Finally, the third time ended up being a charm as I received it but it didn't allow me to use the card the minimum of 8 times within the first month of being open. I went into the branch for assistance and ended up being assisted by the manager over the phone ( as he was on lunch when I went in ). It was determined that he would debit his GL for the {$150.00} as it was bank error but this was never done. If he had credited my account, it never would've went into the negative. Now I have a charged off account and it was reported to XXXX XXXX falsely.