davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

My mortgage company is called XXXX XXXX XXXX/ My Loancare. Ever since our mortgage was sold to them 2.5 years ago, they consistently do not pay our property taxes on time which results me in having to call and beg them to pay on a quarterly basis. Every 3 months like clockwork we receive mail from our town stating our tax payment is overdue and we are being accessed late fees, or even worse, that our home will be " advetised and sold under the provisions of N.J.S.A 54:5.19 ET SEQ, which governs the enforcement of the collection of all unpaid taxes ''.

We have more than enough cash in our escrow account, there is no reason why they shouldn't be paying our tax bills on time. Our tax bill this quarter was due on XX/XX/XXXX. We reached out to them first on XX/XX/XXXX and asked them to pay, then again on XX/XX/XXXX when we received the tax sale notice. The assured me they would and would send the check overnight. We get a call today saying they sent the check via regular mail on XX/XX/XXXX and could not confirm it was paid. When we called our city 's tax department, they verified they have not received the payment. They said my taxes have been sold and there is now i lien on our property.

Now our credit score 's are damaged because of this company 's inability to pay a simple tax bill for us. We are sick and tired of fighting with them every 3 months about the same exact thing.
Consumer complaint received 2021-07-17
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. (NC)

I've sent Equifax and XXXX  two letters giving written instructions on to remove/delete every account, inquiry, and addresses but everything still remains. Today, XX/XX/2021, I called Equifax and was told they would not remove anything and to send, the same stuff I mailed twice, in one more time and fax. Also, I sent in a FTC Report and they claim they didn't get that either. I reminded everyone Pursuant to 15 USC 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, Consumer, a natural person, never gave EQUIFAX or XXXX  any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Therefore, I want everything removed. They still would not do so but instead dispute. This is not a negotiate but a demand. I am enforcing my rights as a Federal protected Consumer. I want everything remove ASAP.
Consumer complaint received 2018-12-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (GA)

I began repaying my XXXX XXXX student loan in the earlier part of XX/XX/2017. I was ordered to pay around $ 1300/month. I did this for a few month but literally would be negative in my bank account or with just a few dollars left at the end of the month. Called XXXX XXXX to explain I couldnt afforded the current payment plan. The XXXX XXXX rep told me to let my account go into collections to prove I couldnt afford my current payment so that they would work with me to lower my monthly payments. I didnt know any better so I did exactly what she told me too. XXXX XXXX eventually called me and then offered to lower my monthly payments to $ XXXX/month. However this reduced payment plan only last 2yrs then it goes back up to $ XXXX/month. Also I fee that XXXX XXXX trapped me by telling me to let my loans go into collections because I cant even refinance the loans due to the collections being on my credit report.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

A XXXX deposit didn't go thru. The bank did no call or send letters regarding all the overdraft fees they were charging. The never notified me about the fees and somehow my notifications were turned off. They took over {$800.00} and refused to reverse most of them even tho I am long time customer. I am basically facing bankruptcy because of this. I can not pay my bills. Hey took whole paychecks. I think {XXXX} is reasonable for 1 months time frame I would like XXXX back in order to recover.
Consumer complaint received 2019-11-18
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. (CA)

I received a notification on XX/XX/19 that I had a hard inquiry on my Experian credit report from XXXX XXXX. This was not me and I did not authorize this, I would like this removed please : )
Consumer complaint received 2018-12-22
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (IL)

XX/XX/XXXX : received mail indicating XXXX XXXX XXXX XXXX XXXX has named me as a defendant in a lawsuit. The amount I'm being sued for is {$56000.00}. This is a private student loan taken out in XX/XX/XXXX.

This mail did not come from the aforementioned party or the agency which bought my debt ( Weltman Weinberg & Reis Co. LPA [ WWR ] ). This mail came from a law firm, with language suggesting I file for bankruptcy.

I have yet to be served for this debt, so there is no scheduled court date.

A phone call with WWR on XX/XX/XXXX had me sending an email containing two pay stubs, two bank statements, and a thorough listing of monthly expenses, in addition to a monthly payment offer I believe I can reasonably make. I was told that my offer ( $ XXXX/mo ) would be either approved, denied, or met with a counter-offer. The counter-offer was nearly double my own ( {$400.00} ), and additionally would require that same amount ( {$400.00} ) from my co-signer of the loan from XX/XX/XXXXthe cosigner being my mother, who is retired and living on social security. My mother filed for bankruptcy herself back in XX/XX/XXXX, at which point she and my father lost their house and now rent a one-bedroom apartment. I've been told that even with regards to her hardship, the party will continue to pursue my mother for this debt that should have been discharged.
Consumer complaint received 2023-03-19
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. (GA)

Hi I'm XXXX XXXX, I'm filing a compliant against credit bureau Equifax, because I have submitted numerous of dispute letters over a year regarding companies : XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXXhats still reporting on my Equifax credit report. I have a list of problems with Equifax, after giving me the option to send additional information to further the investigations after still allowing the accounts to remain from the previous investigation, I sent in the additional information within the timeframe of Equifax, Equifax still continues to ignore my dispute information and with incorrect feedback results that is not regarding my dispute information or they're requesting the same information again I already sent to them. Equifax is leaving unknown addresses that is currently on my credit report I'm unaware of and never lived at nor authorized the addresses to be on my credit report, I sent dispute letters regarding the addresses and accounts Equifax results was " the items are being modified '' I never received the following results over a forty-five day period of receiving the first results. Their investigation did not help my disputes resulting with inaccurate results to not remove the items and not receiving any results from Equifax.
Consumer complaint received 2022-09-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I've reviewed my credit report. After requesting validation, It occurred that this item had not been verified with accuracy and completeness, as required by FCRA. I contacted XXXX : XXXX XXXX XXXX XXXX, asking to verify payment in full; was received in the amount of {$280.00} on XX/XX/XXXX ; in exchange for removal. However, this account is inaccurately reported as a closed and paid collection account. I spoke with XXXX from XXXX on XX/XX/XXXX, approx. XXXX XXXX. She stated they were not a collection agency, but a guarantor. However, my credit report is reporting as a collection account ( Please see attached ). 
This collection account exceeds the statute of limitation, is reported without my consent and is being reported against my right to privacy. It also violates my right to privacy, according to the Fair Credit Reporting Act. I, the consumer have the right to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with FCRA. This account must be discontinued from reporting and deleted!
Consumer complaint received 2022-09-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TOLL BROTHERS INC (CA)

On XXXX XXXX, 2022, my husband and I had a call with our loan officer at Toll Brothers Mortgage Company to lock our rate. One this call, we mentioned that we were interested in buying points to lower the interest rate. The loan officer specifically said to wait until AFTER the float down period, which is between 45 and 10 days before closing, to buy points to lower our interest rate. Our closing date is set for XXXX XXXX, 2022, so we are currently in the closing period. When we asked about buying down points, the loan officer responded that the loan is finalized and we can no longer buy points at this time. There is no response on when we should have requested points and no response about speaking to someone higher up. We would've gone with a completely different type of loan ( ARM instead of XXXX fixed ) with a lower interest rate if we had known we couldn't lower the rate. It was significantly harder to qualify for the XXXX fixed and we had to increase our down payment by {$90000.00}.
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

Gulf coast collections calls every day and has been doing so for over a year. They keep stating they will take the number off the list but they do not. Today, they simply told me to tell someone else not to give out my phone number, were rude and hung up on me. I can not control what someone else does. I am old and only responsible for myself.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (NV)

FRANKLIN COLLECTIONS SERV ( 10 XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had funds deposited into my checking account and went to XXXX and had XXXX left. The Bank made errors on my account that put it into overdraft when my account does not, have, overdraft and never had it. If my account does not have the funds to pay for anything it wont allow the purchase to go through however the internally bank employees are penny pinching and transferring money and stealing it at the Bank of America. I have not had an issue like this since XXXX/XXXX. I never had a issue at this bank until today since XXXX/XXXX when they tried to pull this before. I really good with accounting and have no issues whatsoever with overspending and this is reflected at every bank I ever banked at. They need fix fix my account and put it back the way it was 2 weeks ago. There were never ever any overdraft purchases on the entire history of my accounts. I will not allow myself to become a victim to predatory banking practices.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress. I kindly request that you prioritize this issue, thoroughly investigate the situation, and expeditiously eliminate these unauthorized accounts from my credit report. Your swift attention to and resolution of this matter are greatly valued.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On XXXX around XXXX XXXX CST I spoke to XXXX a supervisor in Chase Disputers who stated the following charges were valid because I stayed at the hotel. For them not to be valid I need to have canceled the stay. 

XX/XX/18 XXXX XXXX  XXXX XX/XX/18 XXXX XXXX  XXXX I provided the original invoice from the merchant which clearly shows a credit in the amount of {$100.00} should have been received. Instead I was charged {$100.00} Additionally, I highlighted the items I was charged in error for, including the mini bar and minibar tax fees. Upon check-in I had the hotel remove all items from the mini bar to prevent these charges. I was also charged for breakfast which is an included amenity for XXXX XXXX XXXX XXXX XXXX. To substantiate this claim I also included a copy of the printed member benefits from XXXX 's website. I even provided the exact chargeback reason code of XXXX Misrepresentation, which she stated in order for it to be valid I would have had to have canceled the breakfast despite the merchant verifying it was included and would not be charged. When I asked for her name and id number to identify her she refused to provide any identifying information stating they were not required to do so and they were not required to process the dispute as requested in writing.
Consumer complaint received 2019-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

I have a newly created online store where I was unaware that customers had a PayPal Express pay options. Well one of my first few online sales on XX/XX/19, the customer choose to pay using PayPal and the funds were sent using PayPal. I was then instructed to created a PayPal account to gain those funds. 

I then created a PayPal account, add added my business banking information and waited the 2 business days for the micro deposits to verify my bank. I logged back into today XX/XX/19 only to be told that my account is restricted until I upload a copy of my drivers license. Well, working in Fraud Management for a large credit union, I know that PayPal had a data breach within the last two years, so I did not feel confident uploading this information on there website. 

So I decided to call PayPal, I spent well over an hour trying to resolve the issue today during my lunch break. I was passed around to a few different agents as I explained that I didn't want to upload a drivers license. Being that I had to get back to my full time job I abandoned the lack of support I got from Paypal. Every associate was rude and one even insinuated that I was wasting time by not letting her transfer me to the next person. 

Upon returning home this evening, I decided it would probably be quickest to just refund the customer and request them to reprocess their payment. After refunding the customer leaving my PayPal with a XXXX Balance, I called PayPal to close my account. I have been on the phone now for 1 hour 31mins. They will not let me " close '' my account without providing my drivers license. They will not let me remove banking information ( debit card/ account numbers ) without providing my drivers license. They have compleletly taking my information hostage until I provide the my drivers license. I have now completed my call and at 1 hour 46 mins 04 sec the supervisors tells me there is nothing that can be done, my information will remain in the system and the will NOT close my account without providing a drivers license.
Consumer complaint received 2022-07-09
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. (WA)

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. To remove personal information that I did not want on my credit report. 

According to the fair credit reporting act 15 U.S Code 1681. I have the right to privacy.

Also according to 15 U.S Code 6802. No financial institution is not suppose to share my information to third party people.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Systematic National Collection, Inc. (CA)

the refer the debt to another agency and close case, the information results in a increase of debt and worsening deformation on my credit report of the amount reporting owed. The original debt reported had no interest and should report the correct and true debt owed not a made up number when the consumer debt is sold or referred to another creditor agency. A Scanned copy of a individual ( initials XXXX. ) named on a cashiers check and provided a police report # XXXX case # XXXX XXXX XXXX XXXX Police Dept ( copy attached ) and Informed the Original creditor that the debt was done by not intention but I ( Claimant S.E ) was a VICTIM of fraud the named individual ( Initials XXXX. ) was never prosecuted for the issuance of the cashier check # XXXX. I attempted to seek restitution and trying to arrange a payment to the original creditor or collection agency. the Creditor continued to harass me when I attempted to validate the ACCURACY OF AMOUNT of debt owed they the agency retaliated ( in numerous deformation attempts ) by increasing the amount of original debt by adding over 120 % Interest to a none-interest account, deformation of my good credit rating and continued to report though multiply creditor on my credit report two different amount owned that are not the true amount what was reported on my credit bureau. 
Systematic National Co XXXX Account # XXXX and XXXX XXXX XXXX XXXX reporting {$2300.00} Account # XXXX.
Consumer complaint received 2018-12-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (ID)

On XX/XX/2018 I refinanced my home in Idaho. Statebridge Co. was the servicing company for my loan. They are located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Co. XXXX. Phone-XXXX. I contacted them about one month after my loan was paid off to inquire about my ESCROW funds. I was told they have up to sixty days to return the funds but are usually returned within thirty days. After several weeks, I again spoke to them. They informed me they would open a ticket on the issue and would be in contact with me in a few days. I did not here from them. I spoke with them again XX/XX/2018. I was told my situation had been escalated and more tickets were opened to expedite the return of my funds. I requested to speak to a supervisor of which none were available. I cant pronounce the name of the person I was speaking with. But I was assured the supervisor was handling it personally and I would receive a follow up call in a few days. I called them again XX/XX/2018 with basically the same scinerio. I called again and spoke to XXXX who mimicked the previous contacts. 
The company did not pay my insurance in XXXX nor have they paid my taxes which were due XX/XX/2018. They have far surpassed the deadline to return my funds. Please help. What accountability can they be held to.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma (OH)

There was {$1000.00} dollars taking out of my account and they were 2 different transactions for XXXX $ and the bank told me that they reviewed the account and I would have the money back on my account by XX/XX/XXXX and then around that time when XX/XX/XXXX came they closed my account and then when I spoke with someone about it they said they couldnt give me a reason why they closed my account and they would issue a check for it and I have still yet to recieve anything and my account is still closed like I dont care about the account at this point, at this point I just want my money thats mine and that was promised to me. This was with my credit karma spend account