davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-19
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 — Investigation took more than 30 days
Company: ATG Credit, LLC (IL)

On XX/XX/XXXX, I mailed ATG a letter requesting validation of a debt that they said I owed via certified mail for which I have proof. It is now XX/XX/XXXX, 2 months later, and they still have not answered my request for validation, and I have yet to see any results from their investigation. Per the FCRA and FDCPA debt collectors must validate the debt that they say a debtor owes within 30 days or delete it from their file, and stop reporting it as accurate to the credit bureaus.
Consumer complaint received 2020-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Deparment of education/XXXX is reporting a 90 days late payment in XX/XX/XXXX for XXXX different federal student loan accounts with XXXX  & Transunion & 22 accounts with XXXX, but the accounts were never late because they were all in forbearance from XX/XX/XXXX until XX/XX/XXXX then paid in full through consolidation XX/XX/XXXX. I sent proof of the loans ' status history from the department of education to XXXX and all 3 credit bureaus & requested that the late payments be removed, but they have not been removed. These late payments are causing a huge impact to my credit score as there are so many accounts that the late entry is multiplied by. I need this corrected asap. I have attached the documentation showing the loan 's status history where it was never late as well as my statement from XXXX from XX/XX/XXXX showing no late balance.
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

The servicing of my mortgage was transferred to XXXX XXXX XXXX XXXX c/o LoanCare , LLC effective XX/XX/2020. On XX/XX/2020, after contacting LoanCare and speaking with a customer service representative, I made an online principal curtailment in the amount of {$43000.00} along with a one-time fee of {$300.00} in order to re-cast my mortgage. 
Since that time, I have repeatedly contacted customer service to follow up on the re-cast documents. After the first two follow-up attempts, with no resolution in sight, I reached out to my Loan Officer,  XXXX XXXX, on XX/XX/2020 to see if he could assist. 
On or about XX/XX/2020 almost three months after I submitted the online principal curtailment I finally received an Agreement for Modification, Re-Amortization, or Extension of a Mortgage in the mail. However, upon review of the document, I realized much of the information was inaccurate. I, once again, contacted customer service and was advised that I would have corrected documents in my hands by XX/XX/2020. 
As of today, I have still not received the corrected documents. I contacted customer service again today for the 5th time and spent 38 minutes on hold waiting, in vain, for someone to connect me to a supervisor. 
It is now almost four months since I sent LoanCare over $ XXXX and I have nothing to show for it. I continue to make my monthly mortgage payments, on time, in the full amount specified under the original terms, when I should, in fact, be making principal & interest payments on the reduced amount.
Consumer complaint received 2017-08-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (NY)

I have PayPal Credit. A feature they advertise is that if you buy something, you get 6 months no payment/no interest. I made two purchases through PayPal with PayPal Credit. PayPal Credit refused to apply the no payment/interest promotion to these purchases. This is because apparently if you choose to pay for goods and services through the " send money '' feature on PayPal they do n't qualify. PayPal never made this explicitly clear when they changed their terms, not do they warn you when you pay for the transaction. It is deceptive advertising for them to say it 's 6 months no payment/interest over a certain amount when PayPal purchases ( which is what you use PayPal credit for ) do n't qualify. It 's a scam.
Consumer complaint received 2015-08-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2015, a friend of mine in XXXX wired me USD {$500.00} from his bank, XXXX, in XXXX. Only {$470.00} was posted to my account at XXXX XXXX XXXX XXXX XXXX. He paid the wire transfer fee separately. On XXXX XXXX, 2015, he wired another USD {$500.00}, once again paying the wire transfer fee separately. Once again, only {$470.00} was posted to my account. I called XXXX XXXX, and they said that {$470.00} was all that they got. 
I contacted XXXX in XXXX via email, and they said that they sent USD {$500.00}, and that the Federal Reserve took out a fee of {$25.00} for transmitting the wire to my bank. I contacted the Federal Reserve, and they said that the XXXX XXXX XXXX 2015 fee schedule is {$0.00} for transfers up to {$14000.00}. 
Whenever I have received wires before from overseas, I have never had any fee charged. {$25.00} is not a large amount, but something may be going on that affects more than me. Somebody is taking out {$25.00}. I am getting no place in determining who this might be, and would appreciate your help in this matter. 
Thank you for all the great work that you do. Every American is proud of you and grateful for what you do. Keep it up
Consumer complaint received 2022-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (CA)

There is not now nor has there ever been a consensual contract with this company. No personal information was ever supplied by consumer, the reporting of derogatory account activity to XXXX and any other Credit reporting agency is extremely harmful and fraudulent.
Consumer complaint received 2022-08-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

In violation of the Fair Debt Collection Practices Act, Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX filed the attached Notice of Sheriff Sale XX/XX/2022, and caused the same to be served on my wife and I, who hold a deed to the property with stating the Judgment to be satisfied, in violation of the FDCPA. Upon receiving notice of the sheriff 's sale, I immediately contacted XXXX, XXXX XXXX, XXXX and spoke to an employee that identified herself as : XXXX. I explained the Notice of Sheriff Sale did not list the Judgment to be satisfied. She stated she would have that amount emailed to me that day or at the latest the next day, Friday XX/XX/2022. It was never emailed. This violates the FDCPA. Further, for years the mortgage holder servicer ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX and the mortgage holder : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  AS TRUSTEEE FOR XXXX XXXX XXXX, ASSET-BACKED CERTIFICATE, SERIES XXXX, has repeatedly failed to comply with federal after we have received written authorization from their client and he also gave verbal authorization to the servicer who gave us a quit claim deed to stand in his shoes to pay off his mortgage so we can clear the stain on the title. 15 U.S. Code 1639g, states : - Requests for payoff amounts of home loan. A creditor or servicer of a home loan shall send an accurate payoff balance within a reasonable time, but in no case more than 7 business days, after the receipt of a written request for such balance from or on behalf of the borrower. In fact the attorneys for the XXXX XXXX XXXX XXXX and its servicer, XXXX, Attorney XXXX XXXX, Attorney XXXX XXXX and Attorney XXXX XXXX, have mislead courts on a material factual matter, to wit : they in fact had the required authorization to provide a payoff letter, whether for use in an assumption or for the Plaintiff to get an outside loan, and made a material misstatement of fact that they could not provide a pay off letter. This violates federal law as shown above. The Property secures a mortgage loan ( the Loan ) serviced by Bank of America , N.A . ( the Master Servicer ) held in XXXX, Asset-Backed Certificates, Series XXXX ( the Trust ). XXXX XXXX acts as the trustee for the Trust but does not service or have the authority to service the Loan. The Master Servicer is the party who is required to service the Loan, which includes, among other things, determining whether to foreclose on or responding to Consumers concerns related to, the Loan. The Master Servicer has advised that any questions concerning its servicing decisions related to the Mortgage Loan be addressed to XXXX and that any written communications be addressed to its Office of the CEO and President, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The Master Servicer is the appropriate responsible party to respond.
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Google Compare Credit Cards Inc. (NY)

I took a credit with XXXX XXXX  and agree to make autopayments to cover the costs for 36 months. At some point, the system charged for the whole debt in one payment. Wanted to change again to monthly autopayments, bank agreed to send me a check as a way to reimburse and then being able to proceed with monthly autopayment. Check never arrived. So I decided it was for the best to just leave it like that, the bank already got my full payment, I was debt free.

But, few weeks later, they still try to charge me for something I already paid!. And even when I tell them to review their system and see that 1 ) I never got a check 2 ) I never cashed that check 3 ) they got the full payment from my side, they try to keep pushing for me to make payments.
Consumer complaint received 2021-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. They have had 6 months and 3 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2019-05-19
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: I.Q. DATA INTERNATIONAL, INC. (HI)

XXXX XXXX knew that dad was evicted. I want to know how was my SSN released to damage my credit report for over 6 years. I requested in disputes numerous times to have it removed and it always still remained, dad never made a payment according to CA. I would like to also know how is eviction process handled, and how is the SSN reported to collections without proof of knowing who was evicted? My dad is not trying to pay this debt his wife is trying to put the blame on the complex for missing documents and knowing that you cant prove it to wife she still believes its mines. Only my dad knows my SSN? I was Supposed to have been removed on XXXX XXXX and release from this debt dad owes. I suggest that you cease communication with them and let them know that FCRA laws allows the person that damages there credit report documents proving that it was supposed to be mines. Dad and wife lied to me saying they were gon na pay it when they go on vacations, and paid off other eviction to qualify them for VA housing assistant almost like county housing. They refuse this one because its on my credit report and not dads. My dad wants to fix it but I understand that wife refused to and continued to blame it on XXXX XXXX instead and still denies this being there debt?
Consumer complaint received 2018-06-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc. (CA)

I am in receipt of settlement offer dated XX/XX/XXXX offering a Temporary Payment Arrangement, and a Resolution Amount of {$79000.00} ( copy enclosed ). 
I am also in receipt of letter dated XX/XX/XXXX, wherein stated the balance due is {$33000.00} ( copy enclosed ). 
I am also in receipt of letter dated XX/XX/XXXX in which the balance due is {$32000.00} ( copy enclosed ). 
And finally, I am in receipt of a letter dated XX/XX/XXXX, wherein a Resolution Amount of {$19000.00}. 
As you can see, the documentation that has been provided to me in regards to the stated balance due, is nowhere near recent resolution amount {$79000.00}. 
I am therefore and hereby requesting that Real Time Solutions provide me with a complete and detailed accounting of this debt, including all copies of letters that have been sent to me in regards to the collection of this debt and a copy of the Notice of Servicing Transfer. Pending receipt and concurrence of this information, I am prepared to consider a resolution offer of {$19000.00}, to be paid through escrow from the proceeds of a refinance of the first mortgage. 
Please contact me at your earliest convenience, as I am anxious to get this matter settled.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (TX)

XXXX XX/XX/XXXX a charge went in to my regions account I transferred money from cash app the next day to cover the negative balance. They still charged me a XXXX $ overdraft fee. The manager at the XXXX, TX location said she would get back to me before end of day when I called. And I also used the chat that night. Nothing was done. 
On XX/XX/XXXX they returned my payment which brought my account back positive and still charged my account a {$34.00} overdraft fee. On XX/XX/XXXX I called the XXXX XXXX number and spoke with XXXX and told her about both incidents. I told her I know it's computer generated and sometimes it mess up she told me none of the higher upside could fix it. She told me to call the branch manager at XXXX and follow up with her since she didn't follow up with me.
Consumer complaint received 2019-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (MA)

i started a refi with loan depot back in XX/XX/2019 and i spoke with XXXX XXXX the loan officer and he took my info over the phone and shortly after had pre approved me for a refi loan on my primary home. I went through the entire process, sent in my {$490.00} for the appraisal fee and gave them everything they asked for By the way I work in the auto business and get paid {$1000.00} salary, {$1000.00} draw and {$110.00} car demo allowance plus bonus. 

After XXXX XXXX and his team finished with my verification of employment for all my previous jobs, he calls me says that the ratios are too tight and that they couldn't use the demo allowance of {$110.00} per week and that if i could pay off a credit card bill of {$9600.00} to help out the ratios. They had declined the loan at this time and I worked over the next 2 weeks to have my wife transfer the credit card debt to another credit card in her name as it was a joint account. Once the debt was off my name, I called loan depot back and spoke with a new LO XXXX XXXX. He said he could get the old loan and would have to open a new one and start where the old one left off. I gave him everything all over again and he was saying that everything looked good and clean and should be great. Well, after it went to final review in underwriting they said that they couldn't use the draw as i didn't have 2 years history of that. Even after my boss wrote a letter of explanation to them that states that my draw would never go below the bonus i receive, that wasn't good enough and i was declined again. I wasted 5 months of my time for this and feel that they should have known about my draw and asked questions as professionals. It says it right on my paystubs i gave them that I get XXXX salary and XXXX draw. I've spoken to other mortgage professionals since and they said that it should have never been pre approved in the first place. Which means I should have never paid for the appraisal in the first place wasted 5 months of my time. 

i asked for my appraisal refunded and they refused
Consumer complaint received 2021-09-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

9 MONTHS AGO WHILE MONITORING MY CREDIT REPORT I DISCOVERED AN ACCOUNT IN COLLECTION STATUS ON MY CREDIT REPORT. IT WAS REPORTED ONTO MY CREDIT REPORT FROM A TELECOMMUNICATIONS/INTERNET SERVICES PROVIDER COMPANY THAT I HAD NEVER DONE BUSINESS WITH, CONTRACTED WITH, OR HAD SERVICES PROVIDED BY THEM. THE COMPANY REPORTING THE ACCOUNT AS UNPAID AND IN COLLECTION STATUS WAS SHOWN AS : XXXX XXXX FOR XXXX, XXXX XXXX, XXXX, MASS. 
TELEPHONE:XXXX  THE AMOUNT OF THE COLLECTION WAS FOR {$360.00} AND INDICATED THE ACCOUNT BEING OPENED ON XX/XX/2018. 

SINCE THE ACCOUNT WAS NOT MINE I WAS CONFIDENT THAT IT HAD BEEN REPORTED IN ERROR BY THE CREDITOR. I PROMPTLY NOTIFIED THE REPORTING COMPANIES OF THIS ERROR BY USING THE DISPUTE PROCESS TO THESE CREDIT REPORTING COMPANIES, XXXX, XXXX  AND TRANS-UNION. I WAITED THE REQUIRED 30 DAYS BEFORE REVIEWING MY CREDIT REPORT TO DETERMINE THE STATUS OF THIS DISPUTE. UPON MY REVIEW OF THE CREDIT REPORTS FORM EACH OF THE CREDIT REPORTING COMPANIES I DISCOVERED THAT XXXX  AND XXXX  HAD DETERMINED MY DISPUTE AS VALID AND HAD REMOVED THIS WRONGLY REPORTED COLLECTION ACCOUNT. TRANS-UNION DID NOT REMOVE THIS INACCURATE ACCOUNT/COLLECTION FILE. I MADE TWO MORE ATTEMPTS ASKING TRANS-UNION TO DELETE THIS CREDIT FILE WITH THE SAME RESULTS. I THEN SENT A REQUEST TO THE COMPANY MAKING THIS INACCURATE AND INCORRECT CREDIT REPORT ASKING THEM TO FORWARD DOCUMENTATION THAT WOULD SHOW THE ACCOUNT HISTORY AND PERTINENT INFORMATION. IT HAS BEEN OVER SIX WEEKS AND NO RESPONSE HAS BEEN RECEIVED I THEN MADE THE SAME REQUEST TO TRANS-UNION TO PROVIDE DOCUMENTATION THAT I WAS THE OWNER OF THIS ACCOUNT AND ALSO ASKING THAT IF DOCUMENTATION COULD NOT BE PROVIDED TO THEN DELETE THE FILE FROM MY CREDIT REPORT. NO REPLY HAS BEEN RECEIVED AS WELL AS THERE BEING NO CHANGE TO MY CREDIT REPORT. TRANS-UNION HAS BEEN EXTREMELY UNRESPONSIVE AND BY LAW IS OBLIGATED TO EITHER SHOW PROOF THE FILE IS MINE OR IF NOT TO DELETE THE FILE. THIS NEGATIVE AND INACCURATE CREDIT FILING IS CAUSING GREAT HARDSHIP. IT HAS HURT MY CREDIT SCORE AND PREVENTING MY ABILITY TO PROCURE LOANS TO PAY MEDICAL BILLS FORM MY THREE YEAR BATTLE WITH XXXX.THIS ISSUE DEMANDS INVESTIGATION AND MY RIGHTS GUARANTEED BY LAW B E ENFORCED.I HAVE EXHAUSTED ALL ASPECTS OF RESOLVING THE HARM AND INJURY RESULTING FROM THE CREDITOR AND TRANS-UNION TO SHOW PROOF OR DELETE THE FILE. I GRATEFULLY ASK YOUR HELP WITH THIS ISSUE. IT IS DIFFICULT ENOUGH WITH THE ISSUES WE ALL ARE FACING IN OUR DAILY LIVES MUCH LESS HAVE MY ABILITY TO INTERACT IN REGULAR FINANCIAL COMMERCE.I THANK YOU IN ADVANCE FOR YOUR ASSISTANCE. XXXX XXXX
Consumer complaint received 2020-04-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

I have an FHA mortgage and the handler is " Freedom Mortgage '', I called on XX/XX/XXXX and let them know that I have been impacted by COVID 19. I spoke with a representative that stated that I could do a DEFERMENT at NO PENALTY for three months ( XXXX, XXXX and XX/XX/2020 ), and I would resume paying on XX/XX/2020. I was told that the processing time for this request would take 2 weeks, and I called back on XX/XX/XXXX. I spoke with XXXX from Freedom Mortgage customer service ( id badge number : XXXX XXXX, and was told that the initial information that I was given was incorrect and I could ONLY do a forbearance ( My mortgage would be suspended for the 3 months then after the 3 months then a lump sum payment would be required ). XXXX then transferred my call to a manageXXXX, and the manager was going to review my call from the first person that initially talked to on XX/XX/XXXX, and that she would return my phone call within 48 hours. I have never heard anything back, and they have representatives telling mortgage lenders incorrect information during this time when millions of people are losing there jobs and need help. I know that some mortgage companies are offering a deferment at no penalty, and do not understand why FHA loan borrowers are not able to receive this assistance. 


Please look into this matter. Thanks.
Consumer complaint received 2021-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (AZ)

I left school in XX/XX/XXXX and my last student loan was issued prior to that. I consolidated and made payments under a consolidation plan. After that I was forced into a new consolidation because loans that had been paid off were being placed in collections. Now, after making more than {$20000.00} in payments, I have a balance due of {$140000.00} on loans that originally totaled around {$50000.00}. I have asked the both the servicer and the Department of Education for copies of all of the promissory throughout my loan history as I believe there are discrepancies. The servicer told me to contact XXXX and XXXX told me to contact the servicer and this has just gone back and forth for about two weeks. 

I want the copies because I believe they reconsolidated loans that had already been consolidated. 

I also want these copies so I can share them with my Senators as they move forward with their loan forgiveness legislation.