davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Southwest Stage Funding (AZ)

My name is XXXX XXXX and my husband 's name is XXXX XXXX. Together we are filing a complaint against XXXX loans for refusing to file a water waiver on our behalf for hauled water. It is very common in our area and we have been told by FHA and Hud that this is possible if the lender requests it. Hud advised me to file a complaint against the lender since they refuse to file a water waiver. Our other complaint is that our loan was closed and funded in early XX/XX/2021. The lender hired the appraiser, in which he appraised our property with a well on it. My husband and I had no knowledge of themistake until 5 months later when XXXX XXXX brought it to our attention. The property does not have a well on it. 

We had told our builder XXXX XXXX that we would not be getting a well and we would go with hauled water. We made this clear on several occasions. My husband signed multiple documents to that effect, however it appears that one such document was either manipulated or presented in a way that we wouldn't have known or thought to check the exact verbiage of the document. 

We had put our full trust in the XXXX XXXX and XXXX to do and provide honest service, as this is their area of expertise not ours. We are first time home buyers. We stronglyfeel that XXXX XXXX and XXXX Loans have misrepresented their intentions and integrity. We feel both XXXX XXXX and XXXX Loans are at fault and need to be held responsible for their negligence in this matter. Furthermore, leading us to believe that we could trust that we were all on the same page in all matters regarding the construction and building of our dream home, More specifically the hauled water situation. I have filed a complaint against XXXX home with the Department of Housing. 

XXXX XXXX is now threatening to declare us in default and foreclose on our property. 
I am attaching some supporting documents to this complaint. Please let me know if you need anything more to help with the investigation. 


Property address is XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Reference numberXXXX. 


Sincerely, XXXX XXXX XXXX XXXX mailing address XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2017-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

I submitted my original complaint about a month ago ... .still waiting on a resolution from XXXX ... .they have been very slow about getting back to me and giving me the information I have requested now ... ..2 times in certified mail ... ... .8 times verbally ... ..now 2 times with the CFPB. 
They are trying to collect about {$7400.00} labeled as ... .corporate advance, for fees that are not mine. They told me it was for either construction without permits ... ..which is untrue ... .. I have and submitted twice ... ... .or for foreclosure ... ..of which I was never in foreclosure on my property ... XXXX XXXX XXXX in XXXX XXXX 
They are dragging me along with no solid answers as to what the actual charges are for.
Consumer complaint received 2020-11-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CO)

I have been a member of chase for a long time and this year alone they have taken over {$1800.00} in overdraft fees from my account. Recently I have changed my options for overdraft protection since I didn't want my bank to continuously go negative but payments are still being processed when funds are negative and im still being charged a fee for each item charged. I have also noticed my bank rearranges the way I spend so they can charge me more in overdraft fees. Just this month alone chase has taken {$230.00} in insufficient funds. In addition to the rearrangements, their site states I can deposit money before XXXX so I deposit the money to prevent more fees and whenever I am already negative they delay the deposit process to get the fees. The most recent occasion has been these past few days from XXXX-XXXX. On the XXXX they rearranged a charge so that I got 2 insufficient funds fees instead of just one. They also continuously allow my bank to go negative and charge me more fees, I initially thought overdraft protection was there to protect me from overdrafting my account but it only seems like another excuse to keep taking money so it doesn't seem like it matters whether I have overdraft protection or not. I believe this is malpractice and I can provide more information and evidence if needed.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In or around XXXX, Capital One offered COVID-19 relief and ensured me that my credit card account would not report as late ; however, they reported a late payment on my credit card account despite the fact that I have had perfect payment history.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My credit report shows ONE 30 day past due amount of {$79.00}. 

On XX/XX/XXXX I made a purchase at XXXX XXXX in XXXX, FL. I requested, at checkout, to have my account set to auto pay and that the email address on file needed to be changed from XXXX to XXXX. 

The checkout agent documented my account number and had me write my name and the correct email address on a piece of paper. 

The change of email address and auto pay never applied to the account as requested so the account was not paid automatically and the statements and alerts did not go to the correct email address. 

Once I uncovered that the changes were not made as requested I immediately brought the account up to date on XX/XX/XXXX from an initial payment due date of XX/XX/XXXX and paid the account in full on XX/XX/XXXX. ( 37 days passed the due date ) I called XXXX card services and they said they sent a letter to my house. I explained to them that I have been in a hotel and not been home since XX/XX/XXXX, due to travel restrictions and my need to work in essential industry. I asked them why they didn't call, and they said that was not their responsibility. I asked them why the email address wasn't changed and they said the store can only change my rewards email address and not my statement email address. ( that was not explained to me in store ). 
They called me back a couple days later and said that this is not their fault and would not update the credit bureaus. 

I am distraught that they are not making considerations with the current pandemic going on. The CARES ACT allows for people to miss payments for inability to pay due to covid-19. I can pay and have since payed the account in full, I just didn't receive my mail because I'm not home due to covid-19 and am living in a hotel since XX/XX/XXXX. I have perfect credit and this is now the only late payment on my credit score.
Consumer complaint received 2021-10-14
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. (NJ)

I sent in multiple letters the last letter I send in was XXXX XXXX certified and I see know changes or deletions. I mailed in a dispute letter my FTC report copies of my ID social and bank statement all in one envelope certified. and nothing has been done.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I paid the student loans off in full XX/XX/2020. XXXX XXXX reported to my credit a new consolidated loan and it's not accurate. I never signed any documents to consolidate the loan. I have copies of the cashier check and a receipt from the Student Loan department showing full payment.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

My credit report shows ONE 30 day past due amount of {$79.00}. 

On XX/XX/XXXX I made a purchase at Nordstrom Rack in XXXX, FL. I requested, at checkout, to have my account set to auto pay and that the email address on file needed to be changed from XXXX to XXXX. 

The checkout agent documented my account number and had me write my name and the correct email address on a piece of paper. 

The change of email address and auto pay never applied to the account as requested so the account was not paid automatically and the statements and alerts did not go to the correct email address. 

Once I uncovered that the changes were not made as requested I immediately brought the account up to date on XX/XX/XXXX from an initial payment due date of XX/XX/XXXX and paid the account in full on XX/XX/XXXX. ( 37 days passed the due date ) I called Nordstrom card services and they said they sent a letter to my house. I explained to them that I have been in a hotel and not been home since XX/XX/XXXX, due to travel restrictions and my need to work in essential industry. I asked them why they didn't call, and they said that was not their responsibility. I asked them why the email address wasn't changed and they said the store can only change my rewards email address and not my statement email address. ( that was not explained to me in store ). 
They called me back a couple days later and said that this is not their fault and would not update the credit bureaus. 

I am distraught that they are not making considerations with the current pandemic going on. The CARES ACT allows for people to miss payments for inability to pay due to covid-19. I can pay and have since payed the account in full, I just didn't receive my mail because I'm not home due to covid-19 and am living in a hotel since XX/XX/XXXX. I have perfect credit and this is now the only late payment on my credit score.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS SYNCB/PPC XXXX XXXX MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from SYNCB Inc WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2021-10-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

I had a loan on a XXXX silver XXXX XXXX XXXX Santander Consumer USA. Due to Covid 19 I was in a very difficult situation and I was late on the last 3 payments of my car. On XX/XX/XXXX my vehicle was repossessed from my apartment. It was then sold on XX/XX/XXXX for {$30000.00}, I owed {$11000.00} to the bank. Now I have a surplus of {$18000.00}. I have called countless times and they tell me I have to wait until accounting comes through with the payment.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Everything about this account ( XXXX XXXX ) is not right, for starters I did not authorize this account, and secondly its reporting that a partial agreement is in place inwhich is not accurate. Then its also reporting that the last payment made was in XXXX of XXXX but yet the payment history does not reflect that. And lastly this account was already removed from my credit data file in XXXX but reinserted in XXXX without any prior notification inwhich a 7day notice was suppose to be given to the consumer by law. Therefore, with all the factual grounds stated above via the consumer laws thats governed by The FCRA, this account shall be removed and blocked immediately from my credit files. Please remove and block this account. 

1 ) XXXX XXXX
Consumer complaint received 2020-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NY)

I dont understand I got a letter from synchrony bank, regarding a mattress firm account which I knew I never opened an account with this company so I was surprised when I got that letter because I never even receive a bill so I dont understand
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union continues to verify an account that is reporting inaccurately by using public records data. Ive pointed out to Trans Union several times the information is incorrect and every dispute comes back as verified and updated but has no change in the account information whatsoever. Ive also reached out the the County of XXXX XXXX who has stated they DO NOT VERIFY ANY INFORMATION WITH CREDIT BUREAUS. Since this is the case, its obvious that Trans Union has not conducted an Investigation and has violated my rights under the FCRA
Consumer complaint received 2020-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (RI)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MA)

This company IC System is still reporting this account to XXXX and XXXX, I have asked them many times that I want them to provide me with the original contract as proof that this debt belongs to me because I am not going to pay them a single dime until I see the original contract. If this company keeps giving me problems then I will take them to court and file a small claims suit against them for reporting false information which is also considered defamation of character. It wouldnt cost me much to do so, on the other hand they will have to provide the original contract to the court. If they want we can do it that way. Delete the account from my credit reports immediately. I know that the FCRA states that a creditor must provide a consumer with the original contract when it is requested, if that cant be provided then the account must be deleted from the credit report.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/XXXX, XXXX sent a letter to me stating that they would no longer be reporting an inquiry to the credit bureaus ; however, said inquiry is yet appearing on ( at least -- not sure about XXXX or XXXX ) my Experian credit report. Experian 's site says you can only dispute this inquiry by mailing ( snail mail ) XXXX ... but XXXX already said they would no longer be reporting the inquiry in question, so it appears as though the ball has been in Experian 's court since then ( XXXX ). I'm tired of waiting for them to take action -- there is no other recourse but to file a complaint.
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

This mortgage was sold to " Select Portfolio Servicing, inc, from XXXX XXXX XXXX XXXX 
They took over on XXXX XXXX, XXXX. We have been calling Select Portfolio, every XXXX weeks to get our Homeowners insurance paid by XX/XX/XXXX. 
They keep saying its under " review ''!. We made a payment to XXXX XXXX XXXX ourselves to avoid cancelation of this policy! We have been with this company for almost 35 years. 
We were told on XXXX XXXX, XXXX by a XXXX with " Select '', that he understood the problem and it would take 3 to 5 days to get this problem fixed and payment made. 
This policy will cancel on XX/XX/XXXX if Select Portfolio does not make payment. 
They are currectly holding over XXXX XXXX XXXX in escrow for a {$4100.00} insurance payment. 
This is placing a hardship on our family, through financial, and extreme stress!
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXXADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XXXX/XXXX/XXXXFOCUS FINANCIAL SERVIC XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious FOCUS FINANCIAL SERVIC XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX   Telephone Consumer Protection Act Litigation, Case No. XXXX-XXXX-XXXX-XXXX-XXXX, in the U.S. District Court for the XXXX  District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (OH)

PNC Bank merchant services has given me a great deal of difficulty and adding a different bank to deposit my payments for my business. PNC banks merchant services will not accept the documentation from a national bank, even though it reached the checklist that they have given me the one thing that is missing is a signed document from that bank, but it is the policy of the other bank not to have bank employees draft their own form letters and signed them so that Bank has been more than accommodating by providing additional documentation Unemploy, phone number and name This is resulted in PNC keeping or having the payments from customers go back to the customers and me as a business owner using PNC marching services to lose out on payments. I dont know how to go around because Im stuck. There is no other way around this bank policy and PNC is uncompromising in allowing me to provide anything else to show that I am the actual customer and that the bank is an actual legitimate bank, the other bank is XXXX
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX XX/XX/21 XXXX XXXX XXXX XXXX charged my accounts to my unemployment debit card. An initial seven-day trial was opened. On XX/XX/XXXX, {$50.00} and {$29.00} were charged. My unemployment debit card is issued by Bank of America and a dispute has been filed.
Consumer complaint received 2020-05-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

In 2005, I attended XXXX University for XXXX. At that time the loan amount was {$20000.00}. I was told I was getting a student which at the time was called Sallie Mae. Later I learn it was a private loan. When Obama was in office he came out with the student loan forgiveness program. Sallie Mae which is now Navient wasn't a part of the forgiveness. Now I am learning that Navient were supposed to provide the service. Because I couldn't get help with my loan. It has been in default for about 3 years.