davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (IL)

Our mortgage is with PHH mortgage company. Our house payment decreased yet the mortgage company refuses to take out the correct amount from our checking account. We have it set up as automatic drafting which they control. I noticed the amount in XXXX and contacted them at that time. I was assured that the problem was corrected yet twice a month they continue taking out the old payment which equals to an overpayment of {$240.00}. 
I have requested the automatic drafting be stopped and I will pay it myself but that also has not been done. 
I finally contacted my bank and for a {$36.00} fee they will stop the payment but only for 6 months. My bank hopes this will force them to make the requested changes. 
I am not able to speak to anyone in a position or to that specific department that controls such matters. I feel as if my bank account is being held hostage.
Consumer complaint received 2023-03-03
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. (NJ)

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, XXXXXXXX XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, 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 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 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 2022-08-17
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: Prince Parker & Associates (CA)

There is an account reporting on my XXXX XXXX credit profile that does not belong to me. I do not have att service nor have I ever had att serivice. Someone has opened an account without my knowledge the account is listed from PrinceParker from the original creditor XXXX XXXX XXXX acct # XXXX date opened XX/XX/2022 balance is {$340.00}
Consumer complaint received 2022-07-08
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. (OH)

N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS # XXXX XXXXXXXX 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 A 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
Consumer complaint received 2019-01-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BANK OF THE WEST (SD)

My father and his XXXX children ( I am one of them ) needed to remove his name/cash in 4 CD 's. The process of cashing in these CD 's at  this location was long with no cooperation what so ever by the bank president or staff. The only alternative allowed us was to cash in CD 's outhside of the 10 day grace period therefore subject to penalties. These CD 's had been in this location for 28/29 years. The penalties charged were 3 % of face value on 3 CD 's with 12 month renewal and 1 % of face value on 1 CD with a 6 month renewal PLUS a {$25.00} per CD fee. The fees taken ranged from {$100.00} to {$670.00}. Also, the rate of interest receiving on these CD 's ranged from .08 % to .15 % which in our views should/is their current rate of interest since they were auto renews. Our calculations show that of the 28 years these CD 's were invested in this bank - their penalty fees took 19-20 years of interest away from the CD holders. This is outrageous. We currently worked with 4 banks and this bank was the only one that very obviously screwed its customers with their outrageous penalty fees and lack of customer service. Keeping in mind this bank was using these funds for 28/29 years at a much higher interest rate than .15 % and they now are taking away 20 years of interest income at a ridiculously low interest rate.
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MiraMed Revenue Group LLC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trailXXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (GA)

XXXX sent my account to collections for a transaction. XXXX never issued me payment for an item I sold. They held payment because I was a new seller. The buyer returned the item however I never collected payment. XXXX issued a refund to the buyer but attempted to debit my XXXX account for the refund amount. My paypal account never received the funds from XXXX in the first place. My XXXX account is linked to my XXXX. XXXX has now sent me to a collection agency for the funds and is destroying my credit. Ive attempted to resolve and investigate over a dozen attempts via call and email with both XXXX and XXXX since XXXX 2020- now XXXX XXXX.over 9 months I have been seeking answers and resolution. XXXX refuses to give me any insight or proof and has locked my account. XXXX has also locked my account now. Both companies are saying the issue is with the other company yet refuse to work together with me to resolve. This is now falling into extortion- as of today the XXXX support agent said we are not doing anything and you either pay the balance we claim you owe or our collection agency will report you to the credit bureau XXXX XXXX says we never got funds from XXXX so you need to settle this with them and XXXX says we sent funds to your XXXX take it up with them or pay.
Consumer complaint received 2019-09-10
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. (SC)

XXXX ; Experian and XXXX  are reporting incorrectly on the XXXX XXXX partial account number ****XXXX-XXXX. ( Please see page 3 attached from my credit report. ) This account does not belong to me. I did not authorize this account, nor did I sign any documentation to open this account. This line item needs to be removed from my credit report. It is clearly being reported in error. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2022-08-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Circle Internet Financial (NY)

I invested money in cryptocurrencies via the Circle XXXX app over a period of time starting in XX/XX/XXXX. At some point Circle was purchased by another company, XXXX, and after an initial promise of transition to XXXX, this spring I was informed that Circle was ceasing operations in New York state and I had to sell my investments and cash out my account by XX/XX/XXXX. I sold my cryptocurrency holdings but am unable to withdraw the cash proceeds of {$5200.00} from Circle. Every time I attempt to do so, I receive a message saying " Your recent transaction did not complete because it looks like the street address that you have listed on your account is not a valid residential address for XXXX. Commercial addresses, po box es, and certain temporary addresses will not suffice. '' I am using the same valid and current residential address as before, which I also use with my bank. I have tried linking another bank account and using other addresses with no luck. All my queries to customer support have received no response or the same automatic response with no solution. My money is being held hostage in the app with no explanation and no way to withdraw it before their services are fully shut down.
Consumer complaint received 2021-07-15
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: EQUIFAX, INC. (TX)

Certified letters were mailed to XXXX, Equifax & XXXX on XX/XX/2021, to address unauthorized fraudulent information being reported on my credit report. No response 60+ days later.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUSTMARK CORPORATION (MS)

I'm XXXX year old XXXX living alone. I work part-time at a non-profit to help pay my monthly bills since XXXX isn't enough to live on since my XXXX in 2017 after over XXXX surgeries. During this time Trustmark Nation Bank Employee Trust department XXXX XXXX XXXX contacted me regarding distribution of trust that I was part of from being employed with them for almost 9 years. They instructed me to go open up checking acct so they could deposit funds & I did. My church soon took over due to me being severely ill with a XXXX XXXX XXXX & my XXXX representative meet with XXXX XXXX XXXX Trustmark instructing them to close checking acct. & to deposit funds into my XXXX acct. Account was never used by me. I've tried calling & emailing 4 Trustmark VP 's regarding this & nobody will call me back. Trustmark 's attorney will not call me back. 
Writ of Garnishment was issued for {$1200.00} of BANK FEES against me last month. Nine long years I worked there. I was locked in bank twice from working late but never paid overtime & they do this for bank fees. I still have all documentation & I'll be happy to send to anyone. I'm surprised the any Judge signed it honestly because of it being ALL BANK FEES? I thought FTC stopped them from over charging bank fees? I can not pay for my medication now or buy groceries.
Consumer complaint received 2019-01-16
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. (IL)

I have Disputed this Negative XXXX XXXX account # XXXX   Six times with TransUnion. TransUnion Did Not do a proper investigation on the item I disputed. THIS IS NOT MY ITEM! THIS IS NOT MY ITEM! I Am Demanding a Copy of the Original Signed Contract and a Proper and Internal Investigation get done. ( Per FCRA just because TransUnion have the name and date of birth Doesn't MEAN IT'S MY ITEM ) I AM DEMANDING A COPY OF THE WRITTEN SIGN CONTRACT WITH MY SIGNATURE ON IT. If TransUnion would have did a Proper Investigation this would Not be on my Credit Report. I Have submitted a complaint with the attorney general also! Please remove this Negative account thanks.
Consumer complaint received 2019-01-15
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: JPMORGAN CHASE & CO. (NJ)

I just recieved a letter in the mail from chase stating that I applied for a XXXX XXXX visa signature account when I didnt. It also says that they didnt approve the request. I already know my credit isnt great. So I know not to apply for these types of things. I went to check my credit report since it said that XXXX XXXX looked it up and its on my credit report and Im concerned that someone is trying to steal my identity.
Consumer complaint received 2019-09-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Great American Finance Co (MI)

Started the account last year, missed a couple payments due to bank not allowing the payment to go through, never missed a payment more then 30 days. When I stared this account I had to call multiple times because I never received bills, I've checked with the post office multiple times and nothing was there. Now that im getting close to the end of my payments they ended up removing my promotion for interest free claiming because I had missed payments. I had no idea thats how it worked I was never told by anyone that I could lose my promotion. i have done everything in my power to pay these payments I work two jobs to make sure of that. I never received a welcome letter and in the paper work I have for them nothing says they could remove my promotion.
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

Closed the loan in XX/XX/21. 

The loan has had a continual overfunded escrow account and servicer has refused to adjust the monthly payment. 

The escrows are {$960.00} for insurance and XXXX for taxes a year for a total annual expense of XXXX, the escrow account has {$4800.00} and they are collecting {$570.00} a month. 

Each time I call which has been 5 times I am told an escrow analysis will be done and the payment adjusted and the surplus refunded yet they never do what they say they will do.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have sent letters to correct my personal information. The only address that is a valid address is the address that I am currently residing in and all my credit accounts on my credit reports states that I reside at XXXX XXXX XXXX, XXXX, FL XXXX. All other address which is an invalid address that needs to be remove immediately from my credit file. My name is XXXX XXXX XXXX. Please remove all other name variations IMMEDIATELY from my credit file-they are not accurate. All other address needs to be remove immediately from my credit file. All other name need to be remove from my credit file.
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX }
Consumer complaint received 2024-04-01
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

After my roommate at XXXXXXXX XXXX XXXXXXXX XXXX  in XXXX, XXXX  created a request to remove me from the lease and live there alone, I responded with my signature and date of moving out, and proceeded to move out of the apartment. After leaving town and arriving in XXXX, I was told over the phone that I was still liable for the lease since the office 's printer wasn't working at the time of my ( former ) roommate 's request to remove me from the lease. Thus, they did not get a signature at the time the request was initiated in their system. Not sure how one can respond and sign off of a removal request that wasn't verified with a signature at the time of the initiating party 's request. If your printer isn't working, there are plenty of e-signature options to compensate for your equipment failure... they were simply lazy, irresponsible, and refused to take any accountability subsequently. XXXX 's employees and property assistants knew that the situation was unjust and voiced such opinions to me in my many attempts to fix the outcome. 

After getting this news, I returned to town to sort this out. I then learned that my former roommate decided to break the lease instead of staying there as they had originally planned. When I visited the leasing office, I had to request permission to enter the apartment and any facilities, and was to return my key after I was done with my visit even though I was " still on the lease. '' I am now in collections for a 2 months penalty for " breaking the lease, '' even though I never signed ANYTHING to break a lease. The only legal document I signed and dated was a roommate removal request, which I completed as the respondent. They then filled the apartment with new tenants the same month. 

Unethical, unknowledgeable, opaque, rude, ignorant ... words can not describe how unreasonably bad of an experience I had with this apartment community management led by XXXX XXXX at the XXXXXXXX XXXX XXXXXXXX. 

My unreasonable debt that has been wrongly passed on to XXXX - XXXXXXXX XXXX XXXX XXXX who harasses me by mail on a weekly basis via phone calls, voicemails, mail. I have asked for no further contact on multiple occasions and blocked multiple phone lines of theirs. My request is continuously ignored and I am still getting calls roughly every other day
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP (OH)

Us bankreliacard basically not providing information about my account being lock, trying to hold ny funds against my well, hanging up in not being Professional about the situation I saw they hang up the phone place me on hold for more than 2 or 3 hoursThe manager also told me the same thing to call representative is saying I have to keep sending my identification two forms of identification in a tax 2019 formAre they keep telling me is to wait so many days so many days time so I might I have to have for {$2000.00} and something on his card there a hold of my money is my will, They are lying telling me that PUA is the one to have to hold on my card, But really theyre just lying they also telling me that they can not give me the routing and account number for this account of mine pretty much giving me the runaround can you help me
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

My PayPal account banned permanently after I've submitted proof of my sales activiy and social links. They ask for many reaquirements to lift my account but they initiate the closure of my account. As a result of their decision, I am not be able to access my account in 180 days and can not use my account anymore. It's so frustrating if my violation is clear but I am genuinely don't know what is my violation. I want to insist my rights to have access on my account with my funds.
Consumer complaint received 2019-01-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

To whom it may concern, I am XXXX XXXX and typing this on behalf of the deception and immorality of Navient. I was the first to go to college and they mislead me into taking a loan out that could not be consolidated in the federal loan forgiveness program intentionally. I have over one hundred thousand dollars in debt and it is unfair and disgraceful that I was misguided and still being penalized for their manipulation. This company has already been sued in multiple other states and I would like my loans also forgiven or at least consolidated with the rest of my loans. It is absurd that going to college has turned into a debt collecting punishment. 

Sincerely, XXXX XXXX XXXX XXXX