davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I have been experiencing some financial hardship and contacted my loan servicer who is acting in behalf of XXXX XXXX XXXX bank. I have audio recorded evidence that the servicer has been engaged in " dual tracking '' and also has purposely caused delays since I have requested a modification. I am less than 60 days behind having made a payment recently. I was sent a default notice by the servicer twice. I have contacted the servicer and they say they are looking into what modification programs I might qualify for while at the same time continuing with forclosure procedures. They have violated the CFPB 's rules that require that a minimum of XXXX days delinquent before they can proceed with any type of foreclosure process. They are " dual tracking ''. They are trying to delay the process by saying they have not received all of the paper work. I can prove they have attempted this by the audio recordings I have of the calls I have had with them.
Consumer complaint received 2015-10-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I have been trying for the last 18 months to get a loan modification from SPS who is the servicing for XXXX. I have faxed and mailed documents to them for at least 12 months now. I have predotory lenders still on my account that should have been removed since 2009. My interest rate is over 12 percent. Sps has been given me the run around.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After recently looking at my credit report, I have numerous and fraudulent inquiries that does not relate to any credit transactions that I have made. These are inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (TX)

I cancelled XXXX service but I paid a final bill of XXXX XXXX sent me another bill for {$100.00}. I put that bill into dispute with XXXX who later ruled in my favor. Since that time, XXXX collection agencies have tried to coerce me into paying. This last agency has tried to intimidate me by saying theywillnot contact me again but they are implying further action.
Consumer complaint received 2020-09-10
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. (NV)

This is my second dispute requesting the credit reporting agency to REMOVE the attached items from my credit reporting. The creditors listed are UNVERFIED, INACCURATE, AND MISLEADING. The credit reporting agency has failed to provide the proper documentation validating this credit and/or proof of signatures.
Consumer complaint received 2022-08-15
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 — Investigation took more than 30 days
Company: Maximus Federal Services, Inc. (AZ)

I have filed a dispute in regards of the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Why is still open on my credit report? and the balance is zero. THIS IS FIRST ONE The finance report on XX/XX/2010. I have the health plan from our school. It is cover this bill. 
I also payed this about 5 fives years ago. It also send me the refund on this one. THIS IS SECOND REASON. LET ME LOSS XXXX POINT ON THIS
Consumer complaint received 2015-05-05
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES (MA)

I am writing about the company called Zwicker & Associates, a debt collector located in XXXX, MA. I live in MA also and when my daughter was at XXXX XXXX I took out a MEFA loan for {$3000.00}. I fell behind because of a XXXX and was unable to keep up the payments. The loan was given to Zwicker and I have been paying {$100.00} a month to them for a couple of years. I asked them for a statement and received something that did not clearly tell me how long I will be paying this bill. I am helping my daughter by paying this bill, because I signed for the MEFA loan and she already pays about XXXX a month for her loans. I arranged with Zwicker & Assoc. to have automatic withdrawal at or near the XXXX of each month. 
I understand that I agreed to pay my MEFA loan of {$3000.00}. As I have been paying on this debt for two years at least, I should have paid {$2400.00} by now. I would like to have a written statement telling me if there are added costs that disallow me from having this debt paid in full in the next six months. Thank you for your help with this matter.
Consumer complaint received 2015-08-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

I found an entry on my credit report from ARS, a collection agency. I disputed with the credit bureaus and recently requested a validation of debt. The letter I received in the mail as validation of debt is not adequate as it does not give a place of service, service provided, or who the service was given to. It only has a date of service and an amount. I do not believe this account belongs to me and they have failed to prove that it does.
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WI)

I Have XXXX disputes open with chime on for a cancelled transaction with it works for {$120.00} and another for a merchandise not as described from finish line for {$160.00}. They denied my dispute # XXXX XXXX XXXX ) via email and stated I need to email them request for documents to support denial, which I did, and have still not received reason for denial. I then received a denial for claim # XXXX XXXX XXXX XXXX on XX/XX/XXXX. I called to speak with a supervisor who advised me they can not provide a denial reason and I have to wait 10 days for them to send me an email with the denial docs. Keep in mind this claim was mishandled from the start when I first sent to dispute form over on XX/XX/XXXX. Initially chime disputed the wrong transaction. Instead of disputing {$160.00} from finishline on XX/XX/XXXX, the disputed {$79.00} from XXXX XXXX. No one called to notify me of this error. My daugther 's school account was locked due to non payment and I called them for more information on XX/XX/XXXX. They advised me I dispute my daughter 's tuition payment and thus they sent the payment back on XXXX. I then called chime and was advised they would cancel the dispute, but the {$79.00} from accelus never posted to my account and I should contact XXXX to find out why. Prior to finding out chime disputed the wrong transaction, I did receive a new dispute form on XX/XX/XXXX, but when I called chime to ask why I received it, I was told by the representative that it was sent in error, please disregard. When I called back to advise that the accellus transaction should not have been disputed, I was told to send the new dispute form to start the dispute that should have been started XX/XX/XXXX, and they would close the credit builder card and put a block on my account so itworks could not keep trying to process the XXXX automatic debit. needless to say they cancelled my card to my checking account instead of the credit builder card and I am still getting notices of itworks trying to debit my account. I then received another denial for the XXXX dispute stating my dispute for unauthorized transaction has been denied. I immediately called and advised I did not dispute as unauthorized, I disputed it as merchandise not as described. The rep advised he would reopen dispute and try to cancel closing of my card. He said the case would be re-examined as merchandise not as described. I received a denial on XX/XX/XXXX for this claim again, which is how we ended up here. I feel like this claim has been mishandled from the beginning. I have never been told that a bank could not provide me a reason for my claim being denied. I also still have not received credit to my account from accellus for the {$79.00} disputed in error. I would like this matter reviewed as I am starting to wonder if this is even a valid banking institution based off of the way they do business. Did they receive the credit from XXXX  and take my credit?
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Dear PayPal Support Team, I am writing to appeal the recent blockage and limitation placed on my newly registered PayPal account. I am reaching out to you to resolve this matter as quickly as possible. As a new user on your platform, I assure you that I have not engaged in any activities that would violate PayPal 's terms and policies. 

I understand and appreciate PayPal 's commitment to maintaining a secure environment for its users, and I fully support your efforts in that regard. However, I believe that my account may have been mistakenly flagged or subjected to an error during the assessment process. 

I kindly request you to thoroughly review my account and provide me with specific details regarding the reasons for the blockage and limitation. I would like to rectify any misunderstandings or issues promptly. I am committed to adhering to PayPal 's rules and regulations and would appreciate the opportunity to continue using your services. 

Please note that the email address associated with my blocked account is XXXX. I kindly ask you to communicate any updates or instructions regarding my appeal through this email address. 

I am more than willing to provide any necessary information or documents to verify my identity and validate the legitimacy of my account. I understand that security is of utmost importance, and I am prepared to cooperate fully to ensure the resolution of this situation. 

Thank you for your attention to this matter. I sincerely appreciate your prompt assistance in reviewing and resolving the blockage and limitation on my account. If there is any additional information you require or if I can be of further assistance, please do not hesitate to contact me. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2021-02-25
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. (LA)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2016-12-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I had a small business merchant banking account with Santander Bank several years ago. I decided to switch back to my original provider and closed the checking account associated with my Santander merchant processing account, but regretfully neglected to also close the merchant processing account. Without having the ability to perform the duties they were charging me for, and without notifying me that it was a dead account with nothing but fees, they continued to charge me up to {$83.00} per month directly through my primary checking account.
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I am joint on a credit card with my sister. My sister has charged it to the limit XXXX twice. She and her husband paid it off in XXXX 2015. At that time I was to be removed from the account after 30 day to ensure it would be reported correctly on my credit report. However, when I called to make sure I was removed, they said the account had been closed, but they would have to reopen it to ensure proper in reporting, so I said in thirty days I would be removed. So they never removed my name because they say my sister does not qualify on her own and just opened it with me still on it. Now she has run it up again, and has not made a payment in 4 months. This is negatively affecting my credit because the balance of {$10000.00} is a XXXX of my income she makes almost {$XXXX} a year. I have been on the phone with the credit card company 2 hours at a time on two different occasions and they refuse to remove my name from this credit card I do not recall authorizing I did not authorize them from the beginning. I do n't know this. I do n't want this burden of this that reflected on my credit report and negatively being reflected on my credit report.
Consumer complaint received 2021-02-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I am the owner of XXXX XXXX XXXX, XXXX. We had a file closing and needed to update the payoff prior to closing. We received the payoff XX/XX/XXXX. Then received another payoff XX/XX/XXXX ( it is not unusual for a lender to send updated payoffs without being asked ) XXXX XX/XX/XXXX payoff was altered with the lender name changed from XXXX XXXXXXXX XXXX to Suntrust/Truist and the account number was altered along with one digit in the payoff amount. We closed and the wire was sent to Suntrust/Truist on XX/XX/XXXX at XXXX. 

XX/XX/XXXX the realtor, seller and lender called to say the mortgage was never paid off with XXXX. After further research with our bank, XXXX, we find out that the name on the account was NOT XXXX XXXX XXXX, XXXX at Suntrust/Truist. Suntrust/Truist should have returned the wire since it didn't match what we sent. XX/XX/XXXX XXXX XXXX  requested the wire to be returned as the title of the account and the account number didn't match. To date, I haven't been able to speak with anyone at Suntrust/Truist since I don't have an account with them ( I called their fraud department and they said they won't speak to me since I don't have an account with them ) The amount of loss is {$150000.00} and has been accruing since XX/XX/XXXX when we initiated the wire.
Consumer complaint received 2021-02-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Please help assist me, I'm paying on a loan that is not listed correctly on my credit file. I have sent several request and there has been not one response back. 

The account is listed as follows CAPITAL ONE AUTO FIN - XXXX Furnisher : CAPITAL ONE AUTO FINAN The account states " Profit and loss write off '' however I am paying for the car. Please help me get this corrected and or removed
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SUNTRUST BANKS, INC. (FL)

During a recent approval process for a mortgage from a Colorado lender, a credit report revealed that SunTrust listed a XX/XX/XXXX former mortgage, unrelated to me of which I will explain, as " Foreclosed. " This home was clearly awarded in a divorce settlement ( court document provided and highlighted ) XX/XX/XXXX where former spouse was to " ... receive sole and exclusive ownership ... '' would be " responsible for the monthly payment of the mortgage, the home equity line, taxes, and all other debt associated ... '' and " holds the Husband harmless from any liability associated.. '' Furthermore, a Quit Claim Deed ( document provided ) was signed to former spouse XX/XX/XXXX. 
Not only do these documents absolve me but most convincing is a letter ( document [ s ] provided ) dated XX/XX/XXXX " pleased '' to reference the loan " paid-in-full '' by SunTrust 's Lien Release Department accompanied by the Payoff Department 's notarized Release of Mortgage document. 
Despite these clear documents SunTrust states in a letter today that " we determined the account is being reported accurately to the consumer reporting agencies and will continue to be reported in the current manner. This is preventing me from acquiring a mortgage loan and is willfully wrong. Please help.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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.

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 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

THE LOAN SERVICING COMPANY OPENED AN ESCROW ACCOUNT WITH OUT ANY AUTHORIZATION, THEY STATE THAT THEY PAID THE PROPERTY TAXES AND THATS A LIE, THE XXXX XXXX XXXX TAX COLLECTOR SENT AS AN EMAIL LETTING US KNOW THAT THE TAXES ARE DUE. AND ONE OF THE LOAN SERVICING AGENTS NOTIFY ME THAT THE XXXX XXXX XXXX HAD RETRNED BOTH CHECKS BACK WITH OUT BEEN CASHED. AND THEY ARE STEAL TRYING TO FORCE US TO PAY ESCROW AND WERE NOT GOING TO DO SO.AND WILL LITIGATE THE MATTER FURTHER. AS THIS IS DONE IN BAD FAITH WITH INTENTION TO DEFAULT AND STEAL THE PROPERTY AS THE BANKS DID IN THE 2008 MELT DOWN. WHERE GOVERNMENT DID NOTHING.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (FL)

I closed on my new home on XXXX/XXXX/2015. I was informed at the closing myrate was 4.1 %, this was not the APR. Just last week I received a " temporary '' coupon from Caliber Home Loans, no amount to be paid, very little information. 
Today, I received a more official payment request, but again NO APR % rateon the form. When I called Caliber, they did not know what I was asking forand basically disconnected the call. I believe the APR rate should be includedon all documents relating to this mortgage. Why is the company being sosecretive about this number. Do n't I have a right to know?
Consumer complaint received 2024-02-15
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. (LA)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2017-01-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I was approved for a trial modification starting XX/XX/2016 to XX/XX/2016. After that Ocwen promised to send a final modification and it never came. When I called they had sent to a different address even though I told them to send to my home address. Now when I call, only XXXX Ocwen answers and I can not get anyone in US Ocwen to answer. Please help I made all three payments they should 've provided me the modification to my house now they are foreclosing.
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Requested a payoff quote from Ocwen loan servicing. The document had almost {$22000.00} in XXXX fees, bill padding and unnecessary charges. 
EXAMPLE ; {$440.00} for " Mailing fees '' EXAMPLE ; " Foreclosure fee '', " Foreclosure expense '', " Foreclosure cost '' EXAMPLE ; " {$7800.00} for 'legal filing service ' '' Calls to the company have been met with stall tactics and refusals to provide information.