davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (FL)

Thank you for your help. 

Arvest Mortgage Company at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AR XXXX, did an ESCROW audit in XXXX and I paid what they told me was short {$4400.00} the end of XXXX, then I got a notice that they did a second Audit and I needed to pay {$4000.00} after I had already paid the {$4400.00}, they said if the extra {$400.00} was not needed I would get it back next year. 

I was told my new payment amount would be {$1400.00} and I paid XXXX payment the end of XXXX in that amount, and I thought everything was fine, then I paid XXXX payment on XX/XX/2023 it cleared my bank on XX/XX/2023, then this weekend XX/XX/2023 I got a notice that the payment of {$1400.00} is " Suspense '', and I owe the payment of {$1800.00} ( which was the amount before I made the Escrow payment. ) for XXXX and a late fee along with XXXX payment of {$1800.00}. 

I have had many phone calls with this bank and was told it was fixed two times now and then I get the notice of a late payment and the payment still not corrected.

With 2 different Escrow Audit done and both with different amounts I know what is right in reference to the ESCROW and I can't get my payment correct after paying the shortage.

This Bank has been a nightmare to deal with, for a long time when mistakes happen, they said it was because a system change.

Thank you.
Consumer complaint received 2024-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AR)

My student loans are being managed through Mohela currently and I have been on the Public Service Loan Forgiveness plan for the past 10 years which means after XXXX qualifying payment working for a non profit, your loan is forgiven. I have submitted the proper paperwork to certify my employment for a non profit when it was due in XX/XX/XXXX as I do each year, my employer has not changed since my previous submission. My account shows I have made XXXX out of the XXXX qualifying payments since XX/XX/XXXX, despite my monthly payment since this time, putting me at XXXX qualifying payments. I reached out to Mohela about this on XX/XX/XXXX and got no reply, so I reached out again on XX/XX/XXXX and was responded to on XX/XX/XXXX stating that my employment had not been certified since XX/XX/XXXX so they could not count my most recent payments. In my records I have a document of employment certification on XX/XX/XXXX that says processed while all my other documents uploaded say approved which means they have received the document but have not processed it which I have no control over. When I attempted to call and discuss this, the phone call says that the wait times are long due to an influx of calls and it could take a while to process. Due to this, I am still making payments of $ 1500 monthly that in no longer need to be making and when updating my Income Driven Repayment Plan recently, I was told my new payment would be starting in XXXX but for the month of XXXX I will owe {$5000.00} which I can not afford but Im afraid if I dont make the payment I will be penalized.
Consumer complaint received 2023-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CO)

On XX/XX/XXXX I received a letter from UWM saying we did NOT make our XX/XX/XXXX payment. I checked my account and we paid {$2100.00} on XX/XX/XXXX and then another {$100.00} paid on XX/XX/XXXX to cover the payment. I have payments automatically sent thru our account, our XXXX changed which I covered with the additional {$100.00} on XX/XX/XXXX. Please note my check was cashed on XX/XX/XXXX by UWM XXXX weeks after it was mailed, but still before it was considered late on XX/XX/XXXX. 

Then on XX/XX/XXXX another {$2100.00} was mailed and cashed by UWM on XX/XX/XXXX. I did NOT send in the additional money this time because I started getting these DELINQUENT NOTICES. Future payments will be the correct amount, Ive just had XXXX family deaths this year and Im the only child that is helping my parents and have been in Arizona quite a bit this year helping. 

So on Friday XX/XX/XXXX, I called the XXXX number listed in the DELINQUENT NOTICE, it was a collection company. When I explained I had proof in front of me that my payments were made and cashed by UWM, I was transferred to UWM. The first lady looked up my account, she stated that UWM had refunded and mailed me a check on XX/XX/XXXX because the payments were not EXACTLY right. As you will see from my banking account for this year, this has never been a problem before with additional payments being sent in. I HAVE NOT RECEIVED ANY checks, and UWM has {$4300.00} of my money right now in the payments I made. I asked to speak to a supervisor because I was getting frustrated, I was transferred 5 times, and not XXXX was a supervisor. Then I was told they were transferring me back to collections and I should make payment arrangements. At that point I just hung up because I was getting nowhere. Proof of payments and copy of bank report attached. 

On XX/XX/XXXX Mark and I decided since our house is being threatened, I scrounged up the money and called in MORE money {$4400.00} when I already paid you {$4300.00} for those 2 months. This seems like fraud on so many levels! 

I want the late fees removed, I want our credit fixed! And PLEASE sell our loan!!
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2023 I Was Checking My Credit Report & Noticed An Unknown Account From  XXXX XXXX Account Number XXXX With A Balance Of {$2000.00} I Immediately Contacted ALL Credit Reporting Agencies To Dispute This Account After It Was Marked As Verified Without Conducting A Full Lawful & Proper Investigation & Sending Me A Hard Copy With A Detailed Description Of How This Account Was Verified Experian Is In Violation With FCRA & Owes Me {$1000.00} For Damages Caused & Now Has 15 Days To Complete A Proper Investigation & Delete This Fraudulent Information From My Consumer Report After Receiving This Notice
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (WA)

I XXXX XXXX during Covid 19 Pandemic was not able to make online payments on my mortgage, due to problems with the lenders online platform. I instead made payments by check thru certified mail. I have spoken with lender multiple times and they do not correct the error on there behalf. I still do not have access to my accounts online, and I am now suffering from the negative reporting that should had never been on my file to begin with. I was told that the late payment was going to be removed months ago. 

XXXX : XXXXXXXX XXXX XXXX Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/2020 XXXX : XXXX XXXX XXXX Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/2020 Experian : XXXXXXXX XXXX XXXX Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/202XXXX XXXX
Consumer complaint received 2023-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (LA)

I have missing escrowfundswhich my mortgageservicers refuse to account for. I had a mortgage serviced by Specialized Loan Servicing ( Loan # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) that was transferred to XXXX XXXX XXXX Loan XXXX ) in XX/XX/XXXX. 

When the loan was transferredto XXXX XXXX {$5800.00} in escrow funds were not transferred. At the time of transferthere was {$6800.00} in escrow and only {$960.00} was sent to the new servicer XXXX Specialized Loan Servicing refuses to say why they only partially transferred my escrow ). I have attached the escrow accounting from XXXX showing this. XXXX then shows {$5800.00} as a miscellaneousdisbursementbut neither I nor the new servicer have receivedit. 

I have attached my first statement from XXXX XXXX showing only XXXX in escrow funds. 

Specialized Loan Servicing is stating that they no longer have a responsibility to open an inquest into these funds as they no longer have the loan ( although the transfer was only in XX/XX/XXXX ) and XXXX XXXX is stating it is not their responsibility as Specialized Loan Servicing was responsiblefor transferringthe funds. 

SLS is also stating that they no longer keep records pertaining to prior loans and can not research this item although it just happened a few months ago. 

This is the second escrow discrepancy over XXXX I've had with Specialized Loan Servicing and per my bookkeeping my other loans ( XXXX in number ) have various missing funds. I submitted written requests ( submitted XX/XX/XXXX ) for escrow accounting for these loans but Specialized Loan Servicing says as they are no longer the servicer they don't have these records ( even though the loans were transferred in XXXX ). 

These are the other loans I submitted a written request for escrow information from SLS for but was denied : Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2023-01-09
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 — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC. (AR)

Santander is reporting a {$27000.00} balance on my account, and showing it as a charge off on all XXXX major credit bureaus. My online Santander account shows they received over {$14000.00} for my vehicle that was illegally repossessed. It shows the payment posted on XX/XX/XXXX, yet on XX/XX/XXXX they also again reported a {$27000.00} charged off balance, instead of the {$9000.00} balance that my Santander account shows. They also still have not subtracted my service contract amount of {$3500.00} that I was not allowed to use, never used and never received paperwork on. I have disputed this since I purchased the car in XXXX because I was forced into it after being told it came with the new car purchase, which is deceptive practices. I was never notified of the sale of my vehicle either. I want Santander to completely delete this account from my credit report immediately since they have continually reported wrong information and refused to fix it. There is no reason that they should be allowed to continue to cause me further financial and credit harm.
Consumer complaint received 2023-02-28
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. (FL)

Greetings my complaint is driven by XXXX XXXX lack of respect do to me, As a Consumer, I have rights so I choose to exercise them. I contacted XXXX XXXXXXXX to inform them of the inaccurate reporting of my private information and how continuing of such reporting would be against consumer law and an act of fraud as I will prove to you also There are two alleged debts that they are reporting on my consumer profile both are Collections according to my Experian Profile, I have disputed these accounts numerous times with Experian and they refuse to Delete them, they always give me the same answer Verified, Only I can Verifiey something. Now Only on my Experian profile are these accounts being reported I disputed them with a couple others reporting agencies like XXXX and XXXX XXXX and they deleted them ( no problem!!! ) so after so many failed attempts I reached out to XXXX  XXXX on the XX/XX/2023 which I will attach ( Now that alone should be enough reason to show that the information is indeed inaccurate because the same information is not being reported across all the other third-party reporting consumer agencies, and only 100 % accurate information can be reported according to consumer law that's grounds for deletion, Also according to 15 USC 1681A ( 2 ) ( a ) ( i ) *Transations are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to 15 U.S. 1681 ( e ) income is not included in a consumer report so if income is not part of a consumer report and a charge-off/closed account has been reported it is fraudulent and deeming it illegal because they filled a XXXX and did not inform me. They never sent me a XXXX form to inform me that the alleged debt was canceled and they never sent my XXXX so I could file this income on my upcoming taxes Both alleged debts are as stated One is {$4400.00} and the other one is at {$3900.00} which was originally {$3000.00} and they taxed {$900.00} on it. I filed Identity theft to that charged account because my CC was unlawfully used and they refused to do anything about that and I filed a complaint with XXXX  against them and identity theft with identity-theft.gov, when this occurred last year by Consumer law a Creditor can not report an identity-theft account as a Charge-Off on a Consumer report and once again if they canceled the debt by way of Charge-Off then they owe me a XXXX for that alleged debt too. My rights have been abused and misused by both companies XXXX XXXX and Experian for due process by law I need these accounts deleted and Cease and Desist from any and all future
Consumer complaint received 2023-08-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (TX)

I only want my online access un-restricted so that I may apply for a credit card. I do not want a savings account. I repeat : I do not want a savings account. I do not want a savings account. I want my online access available so that I may apply for the My GM Rewards Mastercard. I want my online access available so that I may apply for the My GM Rewards Mastercard to complement my new vehicle purchase. The savings department is blocking my online access. I do not want a savings account. I only want my online access restored.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX, XXXX and Experian are reporting XXXX inaccurate late payment for the XXXX XXXX XXXX XXXX with the account number xxxx - XXXX. This includes late payment ( s ) 60 days from XX/XX/2017. This is incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX, Experian and XXXX in violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that XXXX, XXXX and Experian have violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MS)

Upon reciept of actual notice of intent to defraud the United States XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I sent an email XX/XX/XXXX XXXX AM, Chase Accessibility from " secure online messaging '', subjectAccommodation assistance, informing JP Morgan Chase as a medical necessity, " after an ongoing media intrusion, and threats to personal safety from obstruction of access to personal property at XXXX XXXX, established the need for any available accommodations to keep the account open for deposits from the United States Department of Treasury, until the issue of XXXX XXXX XXXXXXXX employees maintaining a record of intentional fraud on the federal government has been resolved to correct my past due benefit amounts in default since XXXX of XXXX '' Denying fraud alerts as would be available to persons without need for XXXX accomodations, JP Morgan Chase responded XX/XX/XXXX XXXX XXXX, from Chase Accessibility, subject : We received your accessibility assistance message, clearly showing bias against the consumer in a statement that reads, Based on our review of your messages, we understand that you are currently disputing activity from the Social Security XXXX. We recommend you work with them directly to resolve any disputes relating to Social Security XXXX. 

However, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, " Nothing in this section shall require a person with a XXXX to engage in a futile gesture if such person has actual notice that a person or organization covered by this subchapter does not intend to comply with its provisions. '' Therefore, if an underpayment is egregiously neglected, but evidence submitted to the bank established a claim due an eligible survivor, the money would be paid immediately but the Department of Treasury would not reimburse XXXX based on evidence provided to the bank showing intentional delays. JP Morgan is requested to suspend the checking account in question until further notice of action from the claimant, with a return of remaining balance adjusted to meet claimant dire needs pending forgery determination awarding a new decision on underpayments paid against the agency false records without delay. 

JP Morgan Chase has thus far exploited the conflict of interest by refusing my written requests on multiple trading days across several public markets, allowed media companies to use a separate credit account for fraudulent transactions causing a cumulative financial injury, and coerced the complainant to stipulate all communication through phone calls with an XXXX XXXX unwilling to document the procedural history of fraudulent transactions.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I went to the car dealership trying to apply for a car. They said that they were ONLY going to run my credit once through jeep. However, there are 21 Hard inquiries. 

CREDITOR / DATE OF INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ME)

I reviewed my Consumer Reports and noticed that I had Four late payments on my XXXX XXXXXXXX account Dated XXXX with the account number XXXX that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for my XXXX XXXX account. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand that these payments be updated to on time as they should be, as I was never late. Thanks.
Consumer complaint received 2023-05-04
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS ACCOUNTS ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. 
Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-04
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.