davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (MA)

Midland Mortgage is being difficult and not offering any post covid forbearance help on my FHA loan asking for unecessary documents to delay it, they bought out the mortgage at the time it was going into forbearance from XXXX who was always difficult to deal with. I've asked to be assessed for covid relief after coming out of forbearance only to be treated rudely from them. I've had to get an attorney with XXXX XXXX and will do the same if Midland doesn't respond soon with my loan modification documents, I've called and emailed them including the Vice President. Midland did send me a bill for almost {$30000.00} due the very next day after coming out of covid forbearance XX/XX/XXXX due XX/XX/XXXX in full. I know this Company is bad news and likes to cause people problems after reading similar complaints online at XXXX. I'm requesting my loan documents regarding a modification loan be sent directly ASAP!
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is the several time I've complained about being a victim of identity theft. The XXXX  credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (CA)

Well, I had an absolutely horrific time with this lender prior to this issue regarding the processing and closing of my loan. Finally had to get resolution by submitting a complaint to the XXXX XXXX XXXX 

I thought with my refinance in XXXX I was free of the errors and hassles around dealing with Cross Country Mortgage until it came time for taxes. I do not have a 1098 from them. It's XX/XX/XXXX and I need to do my taxes. I reached out last week after learning from XXXX, the servicer XXXX transferred my loan to, that XXXX can not provide me with a 1098 that reflects anything prior to the transfer. That's on XXXX. 

Basically they need to send me a 1098 ASAP so I can get my taxes done and be free of them once and for all.
Consumer complaint received 2024-02-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAND HOME FINANCIAL SERVICES (NV)

I called Land Home Financial Services to enquire about my monthly payment statement and informed them that I haven't received a statement since XX/XX/XXXX. The Land Home Financial Services representative agreed and stated one will be mailed out today. I further stated that I have to call in and make my payments without the statement remittance and pay an additional fee. I explained that is putting additional stress on me and asked if the fee could be waived for XXXX payment as I paid a fee to pay XXXX payment. The representative stated I had a fee waived in XX/XX/XXXX therefore I had to pay the fee it couldn't be waived. I have written numerous complaints on them just trying to make payments and enjoy my home ownership. Land Home Financial Services have made that impossible and I feel is retaliating because of the complaints. I have anxiety attacks anytime I enter my house due to Land Home Financial Services constant harassment.
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

Pursuant to my original complaint # XXXX XXXX XXXX promised to send a gift card for {$100.00}. The card was not sent. Below is teh script from his response : On behalf of PennyMac, please accept my sincere apology for any frustration and confusion you experienced as a result of this matter. PennyMac strives to provide quality service to all of our customers. Your feedback is very important as we are constantly looking for ways to improve our services. As a gesture of goodwill, a gift card for {$100.00} will be sent to you under a separate cover. Thank you for allowing me to address your concerns. In accordance with the Real Estate Settlement Procedures Act ( RESPA ), you have the right to request documents that we relied upon in reaching our determination ; therefore, I have enclosed the supporting documents for your convenience. Should you have further questions related to the matter above, you may contact me directly at ( XXXX ) XXXX, extension XXXX. My office hours are XXXX XXXX  to XXXX XXXX PT, Monday through Friday.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

This is a typical experience I have been going through for years, but reached a new high this time. I have preserved the recorded phone message that I got an hour ago from ( XXXX ) XXXX " unavailable '', stating that Amazon received a purchase order for {$790.00} from me. I did no such thing and did not call the number back. I will independently try to contact Amazon later to ascertain whether such a transaction took place. Since I have not heard directly from Amazon, I feel that this is a spoof call -- but am not sure. I get dozens of these calls per week and, frankly, ignore all of them or hang up the phone once I do not recognize the number and/or listed " unavailable ''. 

XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

EQUIFAX HAS VIOLATED SEVERAL OF CONSUMERS FEDERALLY PROTECTED RIGHTS. INCLUDING THE REPORTING OF INQUIRIES, ACCOUNTS AND COLLECTIONS WITHOUT CONSENT, WRITTEN PERMISSION AND PERMISSABLE PURPOSE. EQUIFAX HAS ALSO VIOLATED CONSUMER 'S RIGHT TO PLACE SECURITY, FRAUD ALERT AND XXXX XXXX ALERT XXXX MYEQUIFAX.COM. VERIFICATION OF IDENTITY HAS BEEN SENT SEVERAL TIMES AND EQUIFAX IS NOT ACKNOWLEDGING CONSUMERS REQUEST TO DISPUTE INACCURATE AND IMPERMISSABLE INFORMATION. TOTAL LIST OF THE FOLLOWING : XXXX XXXX ACCOUNT NUMBER XXXX CLOSED ACCOUNT : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, ALSO THE AGE OF THE SATISFACTORY ACCOUNTS ARE INCORRECT THE ACCOUNTS ARE SAID TO BE OPENED IN XXXX AND XXXX BUT ARE REPORTING AS ONLY A FEW MONTHS OLD, THIS DECEPTIVE AND INACCURATE. 
REGULAR INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COMPLETE LIST OF 150 SOFT INQUIRIES STARTING XX/XX/XXXX TO XX/XX/XXXX Consumer states they have not given any written, verbal, or non-verbal consent to the following reporting. Consumer is requesting the file be updated immediately. Consumer is requesting compensation for violations. The invoice has been enclosed with this letter.
Consumer complaint received 2021-04-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I am a spouse of an XXXX XXXX serviceman. My current mortgage company is United Wholesale Mortgage. We refinanced and closed XX/XX/XXXX with a deposit into escrow because property taxes were coming due. I was alerted the taxes were not paid XX/XX/XXXX and called the company to see what the delay was. I was assured that the taxes would be paid and received several follow-up calls assuring me that the problem was handled. In the end of XXXX this year I was again alerted that my property taxes were still not paid. I contacted UWM and was again assured the taxes will be paid and they were on the situation. I received several calls without resolution of the problem. 2 weeks ago I began insisting that I was explained what the problem was. I was told that we were tax exempt ( which we are not ) and was told they had no intention of paying with the over XXXX XXXX dollars of money currently in escrow. They said they were only going to pay the home insurance with the money which makes no sense as that is only {$1000.00}. I contacted the XXXX County Assessor 's office and they were very helpful in finding out the mortgage company was using the wrong parcel number ( Assessor 's ID ). I again alerted the company to this error and sent my copy of the current tax bill expiring XX/XX/XXXX on XX/XX/XXXX along with the conversation with the XXXX County agent. I again received a follow-up call stating that they couldn't pay the bill yet. They told me they contacted the XXXX County Assessor without changing the parcel number. I asked if they could close the escrow account and give me the money to pay my taxes or just simply pay the taxes immediately. The penalty fees are currently {$360.00} but will probably be doubled because they once again missed the deadline. At this point in time they still have not resolved the problem and my taxes are unpaid about 5 months late.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

Have had a TJ Maxx-Synchrony Bank credit card account for over 20 years. Since the middle to end of XXXX there has been a problem with Synchrony Bank receiving mailed payments in a timely manner even though payments have been sent at least 1 week in advance of due date. The first late payment was resolved in XXXX XXXX as they reversed the late charge and finance charge. At that time I moved up the time of the mailing of my payments to approximately 2 weeks which is about 1 week after receiving the bill from Synchrony. For the XX/XX/XXXX bill I was charged another late fee and finance charge. The total of the XXXX bill was approximately {$4100.00}. The previous balance was {$2100.00} and was not received even though sent in timely manner. I put a stop order on {$2100.00} check and reissued and sent certified mail. That check was received XXXX XXXX, XXXX. I sent current balance check approximately XXXX XXXX, XXXX. That check was posted on XXXX XXXX, XXXX. Synchrony applied an additional late fee and finance charge since they stated it was due XXXX XXXX, XXXX. Called Synchrony and agent said they couldn't reverse charges since their computer system wouldn't allow her to do it. I have filed a complaint with Synchrony Bank and NY State as Synchrony continues to charge late fees and finance charges on a disputed amount/charge. I have since cancelled my Synchrony card as of XX/XX/XXXX and closed the account. Synchrony has provided a letter to that extent. Am looking for Synchrony to reverse the bogus charges.
Consumer complaint received 2021-07-09
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. (OK)

Equifax and XXXX are reporting wrong information on a XXXX XXXX XXXX account, I have disputed several times, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021, They just say every time that it comes back verified and updated from their XX/XX/2021 investigation, The account numbers are wrong, ( Incorrect ) The amounts owed are inccorrect, Payment displays are incorrect. They refuse to hear my complaints. 
Amounts owed are very irregular and not consistant to what I have paid on the account. 
I have tried to call them and ask them to investigate properly and they hag up on you. 
They will not take the dispute. XXXX says that they are reporting. XXXX and Equifax are not reporting the account correctly, It is hurting my credit score. I recently made a very large payment on the account and Equifax and XXXX refuse to show this also on my reports.
Consumer complaint received 2019-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

I checked my credit report and noticed that ICS System was reporting on my credit report. I never received a notice about the debt or given the opportunity to dispute. When I contacted the company one representative could not locate a letter that should've been sent to me. They drafted a letter to send to me after i called. I sent a certified letter on XX/XX/XXXX to them requesting more information and I never received a response. from them. They placed the items on my credit report initially without notifying me in advance and giving me the opportunity to dispute ;.
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

1. Capital One has yet to pay me for unnecessary time spent on their issues with my accounts. Bill enclosed. 2. Capital One owes me {$24.00} in over payment on account ending in XXXX. 3. Capital One has not fixed their issues with my online account, not showing account ending in XXXX. 4. This is my last attempt at mediation.
Consumer complaint received 2022-12-14
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. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-06
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. (TX)

Experian continues to report inaccurate, unvalidated information to my credit file.The creditor, XXXX XXXX XXXX, has sent me information directly regarding the account, and that it can not be verified. I have written proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately.
Consumer complaint received 2023-12-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MN)

Me XXXX XXXX was flagged for fraud on XX/XX/XXXX and blocked from use. I called XXXXnComm and was asked to email a copy of the card, card purchase receipt, my driver 's license, and proof of address. I sent all this via email on XX/XX/XXXX, and again on XX/XX/XXXX when they requested it a second time. Since then, I have not been able to use the card, and have received no further information from InComm unless I proactively call. 

My latest two calls were XX/XX/XXXX. Spoke to Manager XXXX who asked for more proof of address verification. I resent all the other files mentioned above, along with two more photos of IRS and State of MN documents showing my address. He said it would be 24-28 hours and a new card would be mailed. 

I called again on XX/XX/XXXX. Spent 45 minutes on the phone, spoke to another manager who said she would escalate the case ( again ) and said it would be another week. 

At this point, they've had {$470.00} of my money for nearly two months with no proactive measures on their end, and no resolution. I have done everything they've asked, three times now. My InComm case # is XXXX.
Consumer complaint received 2018-02-02
Product: Credit card or prepaid 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: PNC Bank N.A. (CA)

XX/XX/XXXX i received a phone call from XXXX XXXX credit card company that i have behind bills that I have to pay. Over the conversation, I found that somebody is using my identity from the advice from XXXX  XXXX card, I checked credit report and found that there were fraud accounts in my credit report. 
it was XXXX XXXX, XXXX XXXX and PNC bank. I got a police report and dispute all fraud accounts and also contact identity theft goverment. I sent all documentations what credit company asked for and it made them to concluded that it is fraudendent accounts from XXXX  XXXX and XXXX XXXX companies however I never received any answer from PNC bank and on XX/XX/XXXX, so received a phone call from collection agency regarding PNC bank account. I sent documentations that they requested therefore they made concluded that it is fraud account on their side on XX/XX/XXXX and it goes to PNC bank customer service. I contacted them since XX/XX/XXXX till today XX/XX/XXXX, but they never give me any answer or letter or any response therefore I sent police report to their company to proof that this fraudendent but they called me and said that with the police report and do legal action. 
so I am filing a complaint to solve this issue. 

date XX/XX/XXXX till now credit company name is PNC bank the amount is {$15000.00}
Consumer complaint received 2018-06-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/XXXX, I turned in my leased vehicle per the lease agreement which expired onXX/XX/XXXX. In XX/XX/XXXX I was sent a letter requesting payment of {$290.00}, which was the balance of a disposition fee owed by me, ( see attached ) per the lease agreement. I paid the fee resulting in a XXXX balance on my lease agreement. ( see attached check ). Further investigation on my part with regard to the Motor Vehicle Lease Agreement revealed I was owed the {$570.00} for a refundable security deposit ( see attached lease agreement ).

In XX/XX/XXXX, I called Chase 's End of Term Lease Department about getting the refund. I sent a letter ( see attached ) in XX/XX/XXXX about the refund. On XX/XX/XXXXand XX/XX/XXXX, I called Chase 's End of Term Lease Department about the refund. To date, I have not received reimbursement for the {$570.00} I paid at the time of entering into the lease agreement with Chase.
Consumer complaint received 2018-02-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (ND)

Hi I am from ND and I am getting this information that i supposed to have signed up with this company called Nel Net/XXXX XXXX XXXX and i have never in my entire life have i heard of this company and the are saying i have 4 or 5 loans out with them and i don't. They are scammers trying to get money from me and i NEVER EVER signed a promissary note with this company. I want them stopped and investigated and they remove all information from them and all off my credit report ASAP. Thank you
Consumer complaint received 2018-06-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (IN)

I have been using their services for awhile. I currently have a loan that is due XX/XX/XXXX. I called to make arrangements for an Extended Payment Plan, something I have NOT done before. I had 2 prior consecutive loans right before this one so I counted this a my 3rd consecutive loan. According to the documents I signed & the Indiana Small Loan Law Borrower Rights & responsibilities document I was given with my loan should be eligible for an Extended Payment Plan due to it being my THIRD consecutive loan. However, after calling XXXX XXXX XXXX to inquire about the EPP I was told I was not eligible according to the " State Database ''. The gave me a phone number to XXXX  ( XXXX ). I called them and was told I was not eligible for the EPP because my 1st loan in this " series '' was actually loan XXXX so my current loan is number 2 not 3. I do not know WHERE this counting process came from & was never informed that's how they " count '' nor is it in any of there documents. So they are refusing to give me an EPP. To me this is blatant skewing of the law and there documentation to keep people from requesting the EPP. 
Here is a response I received via e-mail : " Dear Valued Customer, We're sorry we were unable to accommodate your request. According to our policy, we may grant you an extended payment plan on your fourth consecutive transaction with a state-licensed payday lender. ( consecutive meaning less than 7 calendar days have elapsed between each transaction. ) After reviewing your account, we show you do not meet those requirements at this time. We apologize if this is any inconvenience. 
If you have any additional questions or concerns, please call our Customer Service department at XXXX to speak with a representative. '' The documentation states " At the time you enter the third, fourth or fifth consecutive loan, the lender is required to offer you an EPP. '' It does not say " 4th consecutive transaction '' or that your first loan is loan XXXX.