davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing has once again failed to properly apply a mortgage payment. In this case, the payment is the final payoff payment on the mortgage. The payment was due XXXX. I was unable to make the payment online as I had always been able to do. So, I learned I needed to request a payoff statement. I requested the payoff statement on XXXX. I received the payoff statement on XXXX. I mailed the required cashiers check in the amount of the payoff amount on XXXX. Specialized Loan Servicing received the cashiers check of {$970.00} on XXXX. The cashiers check cleared XXXX XXXX Bank on XXXX. Specialized Loan Servicing has since mailed several requests for payment of this amount and called me several times for payment even though they had received and deposited the cashiers check. I spoke with someone at Specialized Loan Servicing who found that the payment had been made, and who said that Specialized Loan Servicing would be filing a Satisfaction of Mortgage with the XXXX XXXX XXXX XXXX XXXX. 

Specialized Loan Servicing has failed to file a Satisfaction of Mortgage with the XXXX XXXX XXXX XXXX XXXX Specialized Loan Servicing has reported this mortgage payoff payment as over 30 days late to the XXXX XXXX XXXX. 

My XXXX XXXX of XXXX with XXXX has dropped dramatically to XXXX. I am not aware of what my credit scores are with the other XXXX XXXX XXXX. 

My online account with Specialized Loan Servicing still does not show that this payment has been made.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (MA)

Synchrony for Sams Club master card ending in XXXX. 

I been getting statements sent to my email ( XXXX ) about an account I never opened or utilized. 

This is a Walmart credit card. I dont even shop in Walmart . 

XXXX/XXXX/XXXX XXXX ending in XXXX statement balance {$340.00}. 

XXXX/XXXX/XXXX XXXX ending in XXXX statement balance {$0.00}. 

XXXX/XXXX/XXXX XXXX ending in XXXX statement balance {$50.00}. 

XXXX/XXXX/XXXX XXXX ending in XXXX statement balance {$0.00}. 

I never opened this card. Ive called Synchrony Bank about having my email removed from their database because I do not own a Sams Club or Walmart credit card. 

Customer service told me that theyll remove my email address but they never did. 

Sams Club Mastercard account is a fraudulent account. It should be investigated immediately.
Consumer complaint received 2019-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Roberts Markel Weinberg Butler Hailey PC (TX)

My HOA, XXXX XXXX, who is currently managed by XXXX XXXX XXXX and represented by XXXX XXXX of XXXX  and XXXX  are attempting to collect years worth of discharged bankruptcy dues. They are further causing severe economic hardship, as they have stalled and are preventing me from selling my home, which I can not afford and was also included in the bankruptcy. My past due HOA dues were discharged in  chapter XXXX bankruptcy on XX/XX/XXXX, but the HOA continues to attempt to collect dues that were discharged for years XXXX through XXXX to this day. Despite the dues not being owed until late XXXX, they also referred my file for collections to an attorney. I have provided them notice of the chapter XXXX with the filing, once discharged, and again to their attorney directly on XX/XX/XXXX. The HOA now refuses to provide an updated balance statement removing the discharged dues, including through their attorney.
Consumer complaint received 2019-12-30
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: AMERICAN EXPRESS COMPANY (GA)

I started a {$1000.00} dispute with American Express back in XX/XX/XXXX, reference number ( XXXX ). The dispute was about a painting job done at my house from XXXX XXXX. The reason I tried to dispute part of the payment was that XXXX XXXX didnt do a good job, and they ignored my texts, calls, and emails when I requested them to come and fix their mistakes. I tried to dispute with AMEX, but the dispute was rejected 3 times for 3 different reasons!!! 

Ive provided AMEX all the documents and proof they needed, but they kept rejecting my dispute without trying to understand that I have received bad service. There is no consistency about how they handled the dispute since AMEX kept providing me weird reasons why they rejected my dispute. The dispute department have done a horrible job, but AMEX don't allow me to talk to anyone that works in the dispute department. AMEX also ignored my complaint on CFPB ( Complaint ID XXXX ) about how poorly they have been handling my dispute, they didn't provide any response in terms of the dispute and closed by complaint. Instead of trying to help, AMEX just delayed the whole process for more than 6 months. 

I am filing a complaint about American Express because this company has been falsely claiming on its website that they " promise to understand, respect and back our customers ''. This company is actually trying to trick its customers by saying it will protect the customers ' interest, but ended up rejecting their dispute when customers reach out, and then charge interest on the disputed amount. As a loyal customer with AMEX since XXXX, I have been very disappointed with this company, especially when they are making promises they can not keep and trick the customer.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MI)

XXXX XXXX  XXXX XXXX XXXX XXXX Charged my Card {$35000.00} for No Service Provided. 
XXXX On XX/XX/year> I Disputed these fraudulent Charges with American Express XXXX Ref. No. XXXX. 
XXXX On XX/XX/year>, American Express Closed the Dispute with no resolution, apparently, American Express XXXX on False Invoices provided by XXXX XXXX XXXX, for a vehicle that they didn't perform any work on. 
XXXX American Express even refused to provide me with documents to determine the validity of the debt. 
XXXX XXXX and American Express took advantage of my XXXX XXXX, to run this scheme, and deprive me of my right to dispute fraudulent charges.
Consumer complaint received 2020-06-09
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. (NC)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$400.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$630.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2019-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

The account that is being disputed is a duplicate account. The account that is being reported has been paid in full when previously owned by a different creditor ( XXXX XXXX XXXX ) in XX/XX/2014. 
The account being reported contains inaccurate balances, inaccurate dates, and an inaccurate reporting history. I. C. Systems has made no effort to validate the accuracy of the information they are providing.
Consumer complaint received 2019-12-30
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. (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2023-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 15USC 1681. 

XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX ( XXXX ) : # XXXX, XXXX XXXX ( XXXX XXXX ) : # XXXX, XXXX XXXX ( XXXX XXXX ) : # XXXX, XXXX XXXXl : # XXXX, XXXX XXXX XXXX : # XXXX 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 record 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 2019-12-30
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: M&T BANK CORPORATION (GA)

This Company was told to cease and desist as a third party collector with no contract to enforce collection of a debt and do not have a bilateral or unilateral contract with the company who contracted them. Lawyers and Attorneys do not have a license to practice law as a BAR Card is only a members card and not licenses. Notice of dispute and a qualified written request has been sent to the company. A power of Attorney has revoked any previous power of attorney and no company has power of attorney for this Estate. Under 12 USC 83 banks can not credit any money from their stock and I believe the note was deposited was cashed and no credit, value of gold or silver has not been given by either company. A request for a Securitization Analysis Report by the Consumer Financial Protection Bureau is requested on this account. All responses are to be by Affidavit of Truth only as letters can be filled with lies. Proof of power of attorney is requested as well
Consumer complaint received 2024-06-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc. (PA)

I recently found that they took a significantly large payment from me on the XXXX XXXX XXXX. Around XXXX XXXXwhich shocked me as I was paying {$92.00} due to financial hardship for months now and got XXXX notification of this change. Looking back at my payment history apparently they started doing this back in XXXX. For one thing this is a 18 % interest loan. Additionally they took this large payment just for interest alone without even touching the principal. And its an immediate issue for me that they did not communicate this change in payment amount with me! I can not pay this amount consistently!
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (CA)

I noticed there is New Chase total account and credit cards account open under my information. I have not acknowledge or consent to opening these accounts. Please authenticate the account holder and provide documentation. I have not consent to or acknowledge of these account opening.
Consumer complaint received 2023-05-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (FL)

I am still being contacted by XXXX XXXX, and I know it`s going to be the same response. He refuses to lower the monthly payment. He insists that wells Fargo Auto Finance was 'not present when the loan took place '. This still holds no water. Wells Fargo Auto Finance could see my credit score, and by looking at my banking records before I closed my checking account with wells Fargo. 
I have repeatedly told him that I did not receive the sales paperwork until two weeks after the deal was done. The car dealership also forged how much I make each month, along with how long I was employed, which was only one month with the healthcare agency. I highly suggest they either refinance this loan or lower the monthly payments as I am on XXXX. 
I have my award letter as well to show the judge that I didn`t make anywhere near the amount that was on the Loan Application. No Home health Aide makes {$4000.00} a month, and I can barely get by without working a lot of overtime to pay my monthly rent. I`ll be XXXX years old this month, and this, I feel is taking advantage of me not only as being XXXX, but as a XXXX XXXX.
Consumer complaint received 2019-12-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION (VA)

Dear Sir or Madam : I am writing to complain about UMB Bank and their unsatisfactory and unprofessional customer service regarding the delayed rollover of my Health Savings Account ( HSA ) totaling approximately {$4500.00}. I began the rollover process in early XXXX around the XXXX, but it has yet to occur. I have repeatedly called their customer service phone number and mailed them numerous forms to get my HSA rollover to process. Unfortunately, they have never completed this rollover despite my best attempts to provide them with each form that they mailed to me and I completed and mailed back to them. UMB has given me no less than four different forms to complete this process. Today, XX/XX/XXXX, I once again contacted their customer service and was told that the rollover can't occur without yet another form. UMB has not been transparent during this process and has never reached back out to me to help facilitate the rollover process whenever a new form was needed. Each time, I have had to call them after numerous weeks of no contact from UMB during the rollover process. Thank you in advance for your help to investigate my complaint.
Consumer complaint received 2019-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (WI)

I am seeking mortgage interest information from XXXX for the years XXXX and XXXX. I have tried for over a month to find the correct contact information. This information is needed for me to refile my federal tax forms for XXXX and XXXX. I would also like to have a payment history for those two years regarding my mortgage.
Consumer complaint received 2019-12-30
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: EQUIFAX, INC. (IN)

While serving oversees my idenity was compromised. During this time a credit car was opened in my name with XXXX. I demand that this item is immediately removed from my credit file, or I will seek further legal action.
Consumer complaint received 2019-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

my uncle and i just refinance our home select portfolio has frauded against us by not applying correct payments to mortgage account and escrow.now we have new mortgage company just bought our account from select portfolio servicing.our payments each month were not applied to mortgage loan properly by select.now select has threatned me not refund escrow account then select added extra fees to payoff account that origanaly at XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars.select added extra fee to pay off at XXXX XXXX XXXX dollars  we been making payments each month to select their payoff were at XXXX XXXX XXXX XXXX XXXX dollars.now select has mail letters to my uncle and i stating payments are recieve before XXXX XXXX of each month late fees are waived now since new company XXXX XXXX  has payed select XXXX XXXX XXXX XXXX and select agreed refund escrow account we also made payments each month to select now since new lender paid select.they threatned me by phone of no escrow refund and extra fees.in the payoff select frauded extra fees from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX i want your agency investigate select bad faith practices of hidden extra fees outstanding intrest and priciple higher rates and select violated fix rate terms the loan were under and now doesnt want agree on XXXX XXXX XXXX XXXX escrow refund which were in the payoff agreement select offer to do select has history of fraudulant practices towards their customers and complaints history of the same issue i am experiencing
Consumer complaint received 2019-12-30
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE (TX)

I HAVE BEEN TRYIN TO FIGURE OUT WHO XXXX XXXX IS ON MY CREDIT REPORT STATING I OPEN AN ACCOUNT WITH THEM ON XXXX XXXX, 2019. FOR WHAT I WOULD LIKE FOR THIS COMPANY TO PRESENT ME WITH PAPERWORK SHOWING I HAVE A LOAN WITH THEM AND ITEMIZE EACH CHARGE ADDING TO THE TOTAL AMOUNT OF {$1300.00}
Consumer complaint received 2019-12-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Resources, Inc. (NM)

I did not receive any communication from this company regarding the debt, but they posted a collections account on my credit reports with all three reporting agencies. I do not owe the amount, and have EOB 's from my insurance providers showing that I did not owe the supposed original creditor anything at that point in time. The collections agency has stated that they are unable to substantiate the amount owed with any sort of proof, but is unwilling to remove it from my credit history unless I pay it. Normally, I would just pay for something this small, but I'm furious that they would post derogatory marks on my credit history without ever contacting me in the first place. I would like this collections agency to be investigated for such practices.
Consumer complaint received 2019-12-30
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: Experian Information Solutions Inc. (GA)

My identity was stolen back in XXXX and XXXX I sent the credit bureau 's my Ftc Identity report, My Ftc affidavit, and my local police report. I had numerous accounts listed on my file. However most was removed from my report. Ihad 2 Bankruptcy dismissed listed on XXXX. They removed one but said the other was verified. They did not give me any details on how they verified one but not the other. Based off Fair Credit Act Law they are suppose to list how they verified the account. 

I also have a numerous inquiries that was made by the person or person 's who stole my identity. I also have a account listed on my file that i did not open, nor did i give anyone permission to do so. XXXX XXXX XXXX XXXX account number, there was no account number listed on my credit report, although it shows it was opened in XXXX XX/XX/XXXX. Us Bankruptcy Court, It is only listed on XXXX, the other two Bureau 's has already deleted it from my credit report. The date was Filing date was XX/XX/XXXX These are all of the inquiries that was opened fraudulently. 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, Experian 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 

I also have a Ftc Report and a police report.
Consumer complaint received 2019-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NV)

RE : Chase Bank ATM, To whom it may concern, I want to file a complaint with the Consumer Protection Bureau. On XX/XX/2019. I use the Chase Bank ATM, that is located at XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX to withdrawal {$300.00} dollars using my XXXX XXXX XXXX debit card ending : XXXX. Once the Chase Bank ATM Approved the withdrawal for {$300.00} dollars, the machine didnt give me the funds or any receipt, but it shows the money being debited from my XXXX XXXX checking account for {$300.00} dollars plus the ATM fee. Ill immediately filed a complaint with XXXX XXXX  and they gave me a claim number which is claim # XXXX. So, they told me to call back within 2 weeks to check the status on the claim. 2 weeks later I call again, and they told me that Chase Bank hasnt respond to their investigation, so they told me to follow-up by the XX/XX/2019, thats the final day for the investigation which the other bank institution ( Chase Bank ) should already respond to their investigation. Today is already XX/XX/2019. Ill have checked my bank account and the funds it still not available in my XXXX checking account. I will like the Consumer Protection Bureau help me follow up with this complaint, so I can get my {$300.00} dollars back. Respectfully, XXXX XXXX XXXX.
Consumer complaint received 2019-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION (PA)

I was refinancing my mortgage with another company. My current mortgage servicing company ( WSFS ) sent over a close out cost to the abstract company. Unbeknownst to me, or the servicing company, the pay off quote included using my escrow money to pay down my mortgage. The money in my escrow account was only for taxes and insurance, and had not been approved to pay down my mortgage, without my consent. 

I called and I talked to XXXX XXXX in the Loan Servicing Department to discuss this issue. She stated this is what they do, even though they did not have my consent to move the money. They gave me no options for planning for tax season and making sure I had enough set aside when tax season approaches.