davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (CA)

RoundPoint needs to stop closing out the complaint process without addressing the issues. 

HOW DID WE GET PUT ON THE LOAN MODIFICATION IN THE FIRST PLACE???????? 
WE DID NOT ASK FOR OR SIGN UP FOR A MODIFICATION!! 
IT WAS JUST DONE!!! 
NO EXPLANATION ABOUT IT AT ALL!!!!!! 

WHEN WE HAD TO THE FOLLOWING TIME IT WAS BECAUSE OF THE INPROPER HANDELING THE FIRST TIME. IT PUT US SO FAR BEHIND WE HAD TO SIGN UP AND WAS NEVER TOLD APPLICATION WAS INCOMPLETE BECAUSE OF ONE MISSING PAGE. SENT 8 TIMES AND KEPT BEING TOLD THAT IT WAS RECEIVED, BUT NOT THAT THERE WAS AN ISSUE. ( AGAINST CALIFORNIA LAW ) THE EMAILED VERSION THAT WAS SENT IN XX/XX/2020 VIA EMAIL WAS NOT READABLE AND A PICTURE WAS SENT SHOWING THE DOWNLOADABLE COPY.

MORTGAGE COMPANY requested that a hard copy be sent in the mail of the three options that were discussed with case manager that never appeared. Not emailed in any way as the down load was unreadable. Non were ever sent at anytime other then email in XX/XX/2020, but this was ignored. YOU IGNORED THE REQUEST OF THE MORTGAGE COMPANY TO SEND THE DOCUMENTS VIA USPS. 

DO NOT DOUBLE TALK AND TALK AROUND IT!!! 

HOW WERE WE FIRST PLACED ON A MODIFICATION, THAT WE DID NOT APPLY FOR?????????????????? 

ADDRESS THESE QUESTIONS ONLY
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-South Adjustment Co., Inc. (AR)

Mid south adjustment debt of {$260.00}. Originally from XXXX XXXX XXXX XXXX. I have XXXX. I have had this insurance for several years. The hospital has my insurance and has billed them for everything Ive ever went there for. Now they have reported to my credit as I owe this. I have tried contacting them and have had no luck resolving this. I do not owe this debit. 

Thank you for you time, XXXX XXXX
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Bank froze my bank account and my {$800.00} in savings I was using towards a down payment of an apartment. They claimed their back office flagged my account for sending XXXX money transfers to my family members in the amount of {$4.00}! 

I went to the branch and spoke to management they refused to give me my money without a code that they claim is coming in the mail. Which I never received and I lost my apartment move in date. I'm out of gas and groceries and this compant refuses to let me access my funds with a CA ID and two forms of identification after the person I spoke with was the same one that opened my account two weeks ago the worst part is my direct deposit is scheduled there in a week or less and I can't stop it.
Consumer complaint received 2020-08-13
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: SUNRISE CREDIT SERVICES, INC (FL)

This letter is regarding account Sunrise Credit Services, which you claim theres a collection account that I have with you ). This is formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence and bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that you could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$2000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-13
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: National Credit Adjusters, LLC (AL)

I have a loan with NATIONAL CREDIT ADJUST. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and NATIONAL CREDIT ADJUST with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERIS BANCORP (FL)

on or about XX/XX/year> mortgage payment was made to lender, whom immediately returned payment to bank and ALTERED name in returned! transaction, Bank statement shows Bank receiving returned funds yet monies returned DO NOT show were returned funds were PLACED back into customers account. Once customer was made aware of this via fone con from XXXX spouse customer called lender and ask their customer representative why mortgage payment was returned LENDER 'S customer service employee stated : She did not know why monies were returned and after inquiring from fellow employees no answer!
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OK)

Last year I worked with the fraud department at Chase to finally close a credit card account that had been opened in my name fraudulently. I didn't find out about the account until the person who had opened it in my name became unable to make the monthly minimum payments. At the time I found out about the account I immediately contacted Chase and reported that the account had been opened fraudulently. At the time I did not understand my rights under federal law and because Chase bank said that they would not release me from the debt I began making monthly payments on XX/XX/XXXX and continued to make payments until I finally was able to Chase 's fraud department to release me of the debt in early XXXX. Between XX/XX/XXXX and XX/XX/XXXX I made 44 monthly payments to Chase which totaled to the amount of {$11000.00}. Since Chase has released me from the fraudulent account I have made 4 requests to Chase for a refund of the {$11000.00} in payments that I made to them. The last request which I sent in writing, in XXXX of XXXX. This request included detailed documentation of the payments I made, including copies of the email confirmations I received after making all 44 payments however Chase has continued to refuse to even respond to my request for a refund of the payments that they illegally obtained from me by threatening to report non-payment to the 3 major credit bureaus. I am hoping that your agency can help me receive a complete refund of the payments that I made to Chase.
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio (AR)

i recieved a letter from this vace and huffman saying i owed for something i never got or recieved of XXXX i disputed it on my XXXX it came back verified and i could not disput it again call the they were rude and had no explation of the company that financed it went out of business said i need to pay or it going to be on all of my credit reports and it is they needs to reomve this bogus account from all credit bureas i never got or recieved anything the company went out of business in XXXX and this collection got this is XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2020-08-13
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: BARCLAYS BANK DELAWARE (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

all wrong not mine : 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, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Account Name XXXX & XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$77.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$77.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$77.00} Highest Balance {$0.00} Terms 1 Months On Record UntilApr XXXX Payment History Account Name XXXX XXXX  Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$67.00} Balance Updated XX/XX/XXXX Recent Payment $ 100 Monthly Payment {$15.00} Credit Limit {$220.00} Highest Balance {$160.00} Terms NA Account Name US DEPT OF ED/XXXX  Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Transferred, closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$10000.00} Highest Balance {$0.00} Terms NA all filed to the ftc
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (AR)

ok i recieved a letter from a collection company its called transworld system inc on XX/XX/XXXX trying to collect from XXXX for the amount {$410.00} a medical debt from XXXX XXXX hospital it was sent to collection agency and i called to tell them this and would not do nothing and it was on my XXXX  credit report i said i going to dispute it with the credit XXXX   bureas and so i did 25 days later came back verified so i could not re dispute it so here i am needing your help
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Holding Company, Inc. (FL)

This Avant Card i only had for a few months who ever, the company took my line of credit and has stated it is done to overlimit activity, delinquency accounts, too high loan balance,, all information is on the credit report & the card company is looking at my report from the start of covid-19 pandemic and during that time i lost one job & was only late paying three crediter due to that job a lost withholding a pay check. before covid-19 and now there is no report of late payments.

the loan balance was there when i apply for this card from the use of the cards is due to vehicle was in need of major repairs and im currently recovering from Hurricane Ian. 

all credit cards has always been paid on or before times. 

all remarks is a personal attack on my Character
Consumer complaint received 2020-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Our loan was sold to Freedom Mortgage and at the time of the sale we noticed a {$700.00} increase in our payment. It went from approximately {$1100.00} to {$1800.00} a month. We immediately called when our payment was due to have the issue resolved and discovered that they added an insurance policy for flood that was already being covered by our condo association. We contacted our association and gave them all the information they needed to correct the issue. Next and to make matters WAY worse, they re-evaluated our escrow and submitted a tax code that included the taxes for the ENTIRE building not just our unit. Our new tax bill was {$53000.00} a year on a condo we paid under {$200000.00} for. This equals {$4000.00} a month. We immediately gave them the correct tax code and have been contacting them 2x per week for the past 10 weeks trying to get this taken care of and everytime we call we get a new person and a promise to have a manager call us back. After 10 weeks a manager has NEVER called us back. They are urging us to make the payment as is with all the extra charges or get a forbearance. We are able to pay what we are supposed to but refuse to pay for two insurance policies ( we have always paid through our association ) and the taxes -- I don't even know where to begin with this issue. We are now in default and I am worried about foreclosure, it is 2 am I haven't slept in over a week and need this issue resolved. I am so desperate I am actually considering selling the condo we love to get out from this nightmare. I am able to pay the correct amount for our mortgage and ready to pay for the 3 missed payments today! I need this issue resolved ASAP. Please help! Our credit is ruined and that also needs to be fixed.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My brother in-law asked if i could deposit his 2 checks from his XXXX so that we would be able to make the rent payment. I deposited the checks with my phone and it accepted the deposit. I waited the time period for the funds were on hold until the check cleared. Once the funds became available as soon as i went to make payment for rent and bounced my rent payment. I called chase to resolve my issue and found my account closed. The department i spoke with claimed they needed to speak to my brother in-law, which is fine, but when i gave them his XXXX XXXX phone number they told me that they can not verify with that number and that they can only call the number in thier system and they can not tell me what that number is. I asked about going into a branch with my brother in-law with our drivers licenses and resolvong it in person. They told me that is not done anymore and if i cant tell them the number that they have in the system for my brother in-law then there is nothing i can do. The checks have already been cashed so a reissue of check is impossible. I was evicted from my apartment and since have been struggling because of my account closing and want my money since i had no choice but to repay my brother in-law the money he lost during this nightmare.
Consumer complaint received 2023-05-25
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: Experian Information Solutions 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 15 USC 1681. 

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 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 an 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 years.

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.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, my lender had pulled what should've been my final credit report for the purchase of my new home. I was astonished when he reached out to me to indicate that there was a new " old '' account reporting that was not on any previous reports. I currently have two accounts reporting on my TransUnion credit profile with the XXXX XXXX XXXX XXXX. The account that was re-added had a date of last payment and activity of XXXX XXXX. Seven years and 180 days had passed and the debt was no longer reporting on my credit report. Then a new account number was established with history starting in XX/XX/XXXX, almost a year past the old account being removed, essentially re-aging a time-barred debt. The careless, reckless and erroneous error has now put me in jeopardy of losing the significant amount of money I have on deposit with the builder. Furthermore, this has now placed us in a position where if not corrected immediately, we face being homeless. I feel this is a blatant violation under my rights under FCRA and FDCPA ; even more so that TransUnion allowed these accounts to be furnished.
Consumer complaint received 2020-08-13
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: M&T BANK CORPORATION (PA)

I applied for a personal loan with XXXX XXXX XXXX XXXX  on XXXX, XX/XX/2020 and was not informed that my income was not high enough for the amount I needed. They ran a hard inquiry on my experian credit report and was denied on the basis of my income being to low. The relationship banker called and informed me that I was denied and the reason why. I told her that during the application process I specifically asked if my income was sufficient and she replied that it shouldnt be a problem. I asked if adding my father as a co-borrower would help as it would include his income as well. The relationship banker ran the new application through XXXX  on XXXX, XX/XX/2020 as my father as a co-signer vs. co- borrower which would help if my credit scores were not sufficient. I was denied a second time. The relationship banker called me on XXXX, XX/XX/2020 and informed me of her mistake and offered to expunge the hard inquiry from XXXX  XX/XX/2020 and redo the application a third time but correctly adding my father as co-borrower. XXXX  XX/XX/2020 she ran another application through XXXX  causing a third hard inquiry. I heard nothing till next day XX/XX/2020 when my credit was ran again for the 4th time again on my XXXX  report as well as my XXXX  and XXXX  credit reports. I usually have frozen at XXXX  and locked at XXXX and XXXX  but lifted them for a mortgage pre approval and for the personal loan. I also have an extended fraud alert on my reports as Im a victim of identity theft but was never contacted by XXXX XXXX XXXX XXXX regarding the steps necessary under the fraud alert bi-laws. I was told the extra hard inquirys were part of the verification process but I find nowhere where it says thats an acceptable verification process. They according to them are expunging the XX/XX/2020 inquiry as it was there fault in processing that application incorrectly. But they refuse to remove one of the last 2 hard inquirys claiming it was pulled twice due to the fraud alert on file. I know have 4 hard inquirys in a matter of 6 calendar days for a single personal loan, 2 of which Im not responsible for them not informing me about my income and incorrectly filling the application in XX/XX/2020. The excess hard inquirys are on my XXXX   report and not on my XXXX  or XXXX  reports.
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (SC)

I paid this credit card collections debt that was owed as a pay to delete, but my credit report is still showing the account is still derogatory instead of being removed from report which was discussed before paying that it would be when debt is satisfied. This account was passed to a third party collection agency. The account was paid through the third party and I no longer owe any debt to the collectors or original bank.
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Corporation (SC)

I paid this Medical collections debt that was owed as a pay to delete, but my credit report is still showing the account is still collection/charge off instead of being removed from report which was discussed before paying that it would be when debt is satisfied. The account was paid and I no longer owe any debt to the collectors.