davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2023-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

SPServicing tried to hold up my refinance by providing only a one day payoff notice and no per diem. SPS through their agent, XXXX XXXX XXXX tried to block me from going to settlement. they continued to play games and make excuses regarding a proper payoff statement. This was in violation of XXXX. 

I made over five requests for a payoff statement. XXXX and SPS took longer than seven days to respond to my requests. Then, SPS 's payoff statement was good only for one day. It is impossible to go to settlement with a one day payoff statement. 

This is a violation of RESPA. 

SPS was trying to drag my refinance out until the moratorium expired. Then, SPS hoped that they would be able to foreclose on my home. All of SPS 's delaying actions were in violation of XXXX.
Consumer complaint received 2023-02-04
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 (FL)

Hello, Consumer Financial Protection Bureau, my PayPal account can not be linked to the bank and the withdrawal balance. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me. Thank you
Consumer complaint received 2021-01-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I was mischarged {$890.00} by Shell Point Mortgage Service company for Lender Placed Hazard Disbursement ( insurance coverage ) even though I have already promptly provided my insurance cover page. 

I received empty promises that the company is going to " remove the charges '' and the insurance department is going to contact me. 

Nothing happened. This company held me ( a loan borrower ) as a hostage. It ignored my consumer right and imposed mischarges over my account
Consumer complaint received 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (OH)

On XX/XX/XXXX, I contacted Caliber Home Loans to inquire a refinance letter received in the email. I spoke with XXXX XXXX from Caliber Home Loans who gave me more details regarding the refinance letter I had received in the mail. He reviewed my existing mortgage and recommended doing a refinance to a 10 year mortgage since the payment would only be {$27.00} more and we would save $ XXXX in interest compared to a 15 year mortgage. I mentioned that we had a home equity line of credit on the property as well as the mortgage from Caliber Home Loans. We discussed the amount the home equity line of credit was and the current balance of both loans. He said the home equity line of credit wouldn't be an issue since the mortgage and balance of home equity line of credit was less than my current mortgage loan was originated for. He told me that I had to pay {$23.00} for a credit check to move forward so I did. I submitted all required documents that day. He explained that the closing was going to take several months due to the low interest rates and all the refinances going on so don't expect any communication for a month or two. 
On XX/XX/XXXX, I received a letter from Caliber Home Loans saying the loan application was " Withdrawn by Applicant ''. I immediately reached out to XXXX XXXX trying to understand why the letter stated that I request to cancel the loan. He responded by saying " Looking at the notes it looks like there was a second mortgage/lien found on the property. We can not subordinate it. ". I asked him for more details about the second mortgage since I am not aware of one and he stated that the HELOC is considered a second mortgage. 
I tried to contact Caliber Home Loans Advocacy Department however it plays a message saying to call during normal business ( which I was ) and then hung up. I called Caliber Home Loan 's customer service normal and was informed by a agent that that Advocacy Department phone system was down and to try later. I requested an executive path and was told that the best I could get was a call back when the system is back up or to call back after the system was back up. 

I am very concerned that Caliber Home Loans isn't tagging the loan cancellation reason correctly since the customer didn't ask to cancel the loan as well as not providing any details on why they cancelled the loan. I would like to understand why I was charged for a credit check if Caliber Home Loans doesn't allow existing HELOCs for a refinance.
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

Enhanced recovery is reporting the XXXX bill on my credit report. I have had XXXX XXXX XXXX since XX/XX/XXXX. I have not had a XXXX  account. I have disputed numerous times with credit bureaus and they keep updating. I recently tried to contact the Enhanced recovery reaching the collector who was very rude and just outright said you disputed and it is yours. If there was an account opened it would be fraud because I have had att since XX/XX/XXXX or before.
Consumer complaint received 2020-12-27
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. (TX)

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account charged off. {$3100.00} written off. {$3100.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XXXX XXXX XXXX XXXX XXXX Addresses not names or address
Consumer complaint received 2021-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Pursuant 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries included as a attachment in this complaint
Consumer complaint received 2021-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XXXX I contacted Transunion about unrecognized inquiries that were made on my credit profile. They were very rude, and kept telling me to contact the " Original Creditors ''. After 10 minutes of trying to explain myself, I finally got to tell the representative that I had previously contacted the creditors, & they told me " Contact the Credit Bureau ''. Credit Agencies are required to report ONLY accurate & verified information. The inquiries are NOT accurate, nor verified.
Consumer complaint received 2020-07-10
Product: Credit card or prepaid 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. (MA)

Used citicard to purchase a car. Placed a temp hold. Bought my car and overpaid by {$3500.00}. Merchant gave me a check for {$3000.00} and a refund via a charge back for the original good faith hold of {$500.00}. I have the refund receipt and original automobile transaction ie ) bill of sale showing the charges. To date XX/XX/2020 Citi has not contacted the merchant XXXX XXXX even though I have called numerous times. Their ( Citicard ) website is very misleading when it comes to disputes. They sent me a letter CONGRADULATIONS we have resolved your dispute in your favor. Three weeks later I was reviewing previous disputes that I had filed in the past and noticed that the dispute for XXXX was still listed. It gave the option to withdraw the dispute so I did. Why, Because the dispute has been resolved in my favor that is why I removed it. They explained to me that by so doing I was acknowledging that I owed the debt. I informed them that no where on that page did it state I was giving up my rights after a resolution has already been granted. XXXX
Consumer complaint received 2020-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

Starting XXXX XXXX With agent XXXX XXXX up until today my Loan # XXXX seemed to be going in circles.I have never been late on a payment and purchased the property XXXX XXXX XXXX XXXX XXXX Arizona XXXX XX/XX/2018 for XXXX. The home has appreciated to XXXX to XXXX.My credit score was 750-770. The amount of the new loan will be XXXX. I am not asking for any money out. My XXXX XXXX account is at XXXX dollars.I gave Bank Statements that showed XXXX to XXXX per month.My second income property is valued at XXXX XXXX in XXXX XXXX with a XXXX balance and is also with New Rez Mortgage.My documents state that if this loan doesn't close within 90 days of application my borrowers rights may terminate.My current Insurer is XXXX XXXX which was presented to XXXX XXXX and was better coverage and less expensive than any presented.Many times I resent documents to make sure that the were in New Rez possession.I reached out to XXXX XXXX who was XXXX XXXX Superior with no return calls twice.I also reached out to Mr. XXXX of New Rez with no return call.I believe XXXX XXXX as I knew time was of the essence.My current interest rate is 4.8750 which is high and my payment is XXXX Dollars per month.My Loan Estimate was 3.25 % and a payment of XXXX with taxes and Insurance of XXXX included. Remember my Insurance is already in place and New Rez is the loss payee.I hate to say it but a loan agent not named said it might have slowed due to my age XXXX years old.Now suspect is {$6600.00} estimated closing costs and {$7300.00} Cash to close.Shellpoint Mortgage is associated with NEW REZ
Consumer complaint received 2021-06-18
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: PRESTIGE FINANCIAL SERVICES INC (OH)

This is my second dispute and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I donot recall doing business or applying for accounts with the following : -PRESTIGE FINANCIAL SVCS # XXXX -XXXX  # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: COMMERCE BANK (IA)

Commerce Bank- they charge a XXXX processing fee that is not disclosed in the terms of the loan provided by the dealership. 
-took 6 phone calls for then to provide the correct steps on where to have my bank send checks so my car payment is accepted. 
-They accepted the first check in XXXX set with my bank for recurring they returned the XXXX checks saying the account can't be found the XXXX check number is XXXX They have attempted to send me to collections for the missed payment. 
On XX/XX/XXXX XXXX sent another recurring payment via check number XXXX, they have yet to process the check. 

This issue falls under XXXX since the fee 's are across all non commerce bank customers. Checking Books are not a normal thing any longer. Most people and business use electronic payments due to safety.
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (SC)

The mortgage for my home in XXXX, AL, was serviced by Ditech Financial. On XX/XX/XXXX, I sold my home. On XX/XX/XXXX, Ditech sent a letter to my new address indicating that my  loan had been paid in full and that a refund for overpayment or positive escrow balance would be mailed to me within 20 business days of the payoff date. On XX/XX/XXXX, Ditech autodrafted a mortgage payment from my checking account -- despite the fact that my account was " closed '' and " paid in full. '' I spoke with a Ditech customer service agent on XX/XX/XXXX, who apologized for the error and explained that Ditech had 30 days to issue a check to me to refund the erroneous autodraft. On XX/XX/XXXX, I called Ditech again to inquire about the status of my refund ; the customer service agent stated that my escrow balance refund check had been cut and was about to be mailed but that the mortgage payment refund check had not been cut yet and that Ditech has 30 days to issue that refund. On XX/XX/XXXX ( the 20th business day following the erroneous autodraft ), I called Ditech again to inquire about the status of the refund of the mortgage payment ; as the customer service agent started to tell me that Ditech has 30 days to refund that payment, she realized it was the 30th day/20th business day. She said the check had not been cut yet, but that it should be " soon '' and to call back the next day. On XXXX XXXX, I called Ditech again ; I have been advised that the check was cut on the night of XXXX XXXX and should be in the mail but that it could take up to 10 business days to reach me. I advised Ditech that I have retained an attorney to help me with this refund and that if I do not receive that check soon, they should expect to hear from my attorney.
Consumer complaint received 2021-10-13
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: BMW Financial Services NA, LLC (FL)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (CA)

I bought a car from Chrysler capital in XX/XX/XXXX and it was repossessed in XX/XX/XXXX. They sent me a ledger of payments and the contract and both have been altered to state my last payment was in XXXX which is 4 years later On the contract dated with XXXX XXXX states I made a initial payment XXXX. The ledger states that there was repossession fee in XX/XX/XXXX and my official last payment was made XX/XX/XXXX by XXXX card. All these other payments being reported are formulated by Chrysler fraudulently .Inconclusive payments are being recorded but none are being removed from the principal balance which means those payments are falsely being reported to keep my account in a open status.
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (TX)

SIX SEPERATE ACCOUNTS POPPED UP ON ALL 3 OF MY CREDIT REPORTS FRAUDULENTLY CAUSING MY CREDIT SCORE TO DROP TREMENDOUSLY. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Consumer complaint received 2020-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (AL)

This account is in my XXXX XXXX XXXX name. I have been appointed XXXX of this property and this company has that paperwork on XX/XX/XXXX & XX/XX/XXXX by email. I made the last payment mortgage on this account on XX/XX/XXXX. I had a statement stating the last payment was {$140.00}. I tried to pay the {$140.00} on XX/XX/XXXX. Their system wouldn't accept, it still had the regular payment of {$150.00}. I called, held on, their phone hung-up several times. They would call me back, but when I answered, it was a message telling me to call them. So, once again, I called, their phone hung-up. So I just made the {$150.00} payment on XX/XX/XXXX, from my online account with their company, as I made the other XXXX pymts, so it would not be late and just get a refund later. I received a payoff letter on XX/XX/XXXX stating I still owe {$15.00} for a late fee. The last payment I made on XX/XX/XXXX for {$150.00} was sitting on my account when they charged me the {$15.00} late fee on XX/XX/XXXX. The {$150.00} was unapplied on XX/XX/XXXX. On XX/XX/XXXX, {$140.00} was the payoff pymt, which included a XXXX interest. Why at that time they didn't see they owed me {$10.00}, I have no idea. The unapplied my {$15000.00} payment again on XX/XX/XXXX. I just need my {$10.00} put back in the same account they got it from.
Consumer complaint received 2020-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

Im writing to try and clear this up this company has been confusing me for my son there is a XXXX and a XXXX. Which they have been getting wrong i dont know this company nor any of there affiliates i have never signed any contract with them nor any of there affiliates
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

I am in a payment program with CITI Cards that was accepted by the XXXX  XXXX  XXXX. I stopped working with my Credit Counselor due to personal reasons and wanted to set up CITI for automatic payments. I called CITI three months ago ( prior to the date of this complaint ) and they took payment and assured me I could set up my Macy 's card ( serviced through them ) and my Thank You card a Visa card through autopay. The Macy 's Card has been auto deducted but the Thank You Visa card has not been. I was reported late which CITI promised not to do, and they subsequently told me I could not set up autopay. I have made several attempts to pay, but they told me attempts to pay must on auto-pay must be done through the credit counselor unless it is a one-time payment. That does not make sense if they can take one-time payments. Additionally, they store payment information indicating they have a way to store and transmit payment information monthly.
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

A refund check was sent on my behalf for an online payment I previously made through the citizens bank bill pay service. The company ( XXXX XXXX XXXX ) sent the check to XXXX XXXX in order for it to be deposited back into my account. This check was cashed by XXXX XXXX on XX/XX/XXXX. However, the funds were never deposited back into my account. I have been calling and calling and speaking to manager after manager with a promise of the money being deposited within 2-3 business days. The money is never deposited and I never receive any follow-up calls. This leaves me to call yet again another time with no satisfaction and no resolution. I have provided all of the details of the cashed check to multiple representatives that included the check number, date cashed, routing number, amount etc. 
The calls that I have on record to have been made are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This company is reporting that I owe them money to which I asked them on multiple occasions to validate the debt so I can take care of the issue. They have yet to send me any contract, or methods of validations to prove that this account is indeed mine.
Consumer complaint received 2021-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (GA)

I received a notice in the mail from Capital Accounts on XXXX, which is dated XXXX, to respond to the validity of a debt that I do not owe them. This debt was written off and already paid to the original creditor XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX. However, this strange company illegally obtained personal medical records that I have not authorized to share with 3rd parties. This is a direct HIPPA violation. 

Also, the company prematurely added their account to all of the credit bureau without validating that they have and own the rights to collect on this debt, license and bonded to collect debt in the state of Georgia, or an original contract. Ive already responed via mail on XXXX, but was ignored. I DO NOT wish to do business with this company, and I want this account REMOVED FROM ALL CREDIT BUREAUS IMMEDIATELY! 

My next course of action is to seek legal advise, and file charges against Capital Accts.
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I have Mr. Cooper home loan which was transferred from XXXX. Now the loan is fully paid off. It's been worst experience dealing with Mr. Cooper where i got absolutely no help for anything. 
I have no statements from prior loan servicers ( XXXX ) -requested Mr. Cooper - they never shared with me. 
There is a {$45.00} - unapplied funds- i was told that within 30 days - I will be getting a check for that. nothing came. 
It seems that county recording fees is being paid on 3rd XX/XX/XXXX. But no further communication from Mr. Cooper. 
For more than 2 years - my online amortization schedule is not made available to me. 
I have no idea how much mortgage interest i paid for this property for these 6 years i.e. from XXXX to XXXX. Asked at least 10 times to Mr. Cooper- but no response. 
I have no idea how much mortgage interest i saved by prepaying the loan in the first 6 years. Asked at least 10 times to Mr. Cooper- but no response. 

Every time I open a CFPB complaint, Mr. Cooper takes it's sweet time of 30 days but then a good for nothing response.