davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (PA)

I have disputed this account multiple times, as I have never received anything from Professions Debt Mediation ever. I wrote them letters to the address they reported to XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. I do not believe they have received my mail. I checked again and found an entirely different address on the XXXX  website, where I have also complained now. that address matches the one on my XXXX report XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. They are reporting inconsistent and inaccurate information on my credit report. They need to comply with the Law and report 100 % factual information about me to third parties. PLEASE HELP ME!
Consumer complaint received 2017-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (WA)

XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX is not only trying to collect a debt that I do not owe, but who they are claiming is the original debtor ( XXXX XXXX ) is a company whose services are not even available to me at the location where I have lived for over five years. I moved to Washington State over five years  ago in XXXX of 2012. In addition to this fraudulent attempt to collect a debt I do not owe, this company has posted a derogatory remark regarding this fraudulent debt to my XXXX Credit Report that has harmed my credit score.
Consumer complaint received 2021-04-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (GA)

I contacted Loan Depot in XXXX because we refinanced our loan with them and the Taxes for the property were disbursed in the refinance ( See the XXXX and XX/XX/XXXX showing Title company paid ). {$600.00} was received by XXXX on XX/XX/2020 per the County. I contacted Loan Depot because they also issued a check from our escrow account on XX/XX/2020 to pay the same taxes. I advised them that XXXX 's check was received 1st and cashed by the county to pay the taxes. I requested they refund us for the {$600.00} sent to pay the same taxes and disbursed from escrow on XX/XX/2020. At that time, the representative I called said that the county would refund the check to them and they would send it to us. I waited 30 days and called again in XXXX as well as using the secure mail within the account. The responses were illegible and by calling I was told it would take some time. I found additional resources on their site and I faxed the documents to their escrow department because the customer service email would not accept the documents and I couldn't speak to anyone by phone to get the issue resolved. I asked for status and 7 days later I was thanked for my inquiry. I followed up again in XXXX and was told 7-10 days. It is now XXXX and I don't have status. The documents attached show that Loan Depot issued Taxes from our escrow account on XX/XX/2020. We refinanced with them and on the XXXX it shows taxes were also paid.
Consumer complaint received 2024-03-18
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Axela Technologies, Inc (GA)

Schwartz Vays continues to attempt collection on behalf of a property management company that is no longer governing my property. On XX/XX/2024 the management company that requested Schwartz Vays collection assistance was relieved of property management duties. I informed the Schwartz Vays representative, XXXX, that my payments would resume with the new management company upon XXXX payment to Schwartz Vays. XXXX requested proof of my payment to the new management company. Such was provided. On XX/XX/2024, Schwartz Vays reported that my dispute claim was denied and that I owed them payments for XXXX and XXXX, despite having provided proof of payment to the new HOA management company. I called to contest the challenge of dispute, speaking to XXXX. He reported that the dispute had already been denied and that the amount would continue to increase beyond {$800.00}, totaling {$1200.00}, where further action would then be taken. He advised that I pay whatever amount they requested. He reported that a previous complaint to CFBP did not favor my stance on the matter ; therefore, he advised that I pay Schwartz Vays to avoid greater financial inconveniences. XXXX, in XXXX, had more explicitly stated that a lien would be placed on my property with eviction authority if I did not resume payments with Schwartz Vays. I again forwarded, to Schwartz Vays, proof of payments made to the current company, reiterating the fact that previous direct payments to Schwartz Vays were each processed after 30 days, prompting a payment invoice to Schwartz Vays for the following month ( source of initial complaint ). It is for this reason that direct payments have continued with the current management company instead of Schwartz Vays, who is not collecting on behalf of the current management company. They have already exhausted their collection authority as it relates to a debt fulfilled to the former management company that they represented. Their current collection attempts and tactics are seemingly illegal, immoral and financially self-serving.
Consumer complaint received 2024-03-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company (FL)

At the end of XXXX, I called freedom mortgage and informed then that I need it a 90 day forbearance because i was in the process of retirement from the federal government. 

Since then I provided all documents that they are requested but every time we speak with a customer service representative seems that each one of them have a different requirement for the request.

At this point they went to danage my credit and added fees stating that they will continue to do so until the protection get approved.

In oder word the going to hold it the most the can to add more fees.
Consumer complaint received 2018-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

I called the general customer service number printed on the back of my XXXX Citibank Visa card on XX/XX/2018 around XXXX. After the usual lengthy phone tree and entering all my account information into the automated system, I finally reached a representative who I asked about benefits associated with the use of the card. I was surprised that she didn't know and asked if she can connect to a benefit specialist. I agreed ( what else? ). Sure enough I was transferred to another phone tree and again I had to enter all my account info. I was then promised to be connected to a benefit representative. After half a minute of silence on the phone, the call was ended. At no point in time was there an announcement that the office was closed ; I was strung along in a phone tree that dead-ended. This makes me question if Citibank has any sense of the word " customer service ''.
Consumer complaint received 2018-09-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I XXXX XXXX and my husband XXXX request through the Consumer Financial Protection Bureau a motion for my mortgage servicing company Select Portfolio Servicing , Inc. to cease and desist all calls to our home or cell phones about missed mortgage payments. All correspondence must be in written form only from this point forward. We are currently facing several financial matters that has caused a hardship for us and our family and business. Accordingly, we will be requesting a mortgage forbearance while we design a game plan to work out all of our financial difficulties. SPS should submit our cease and desist request and abide by the rules, and assign a mortgage workout specialist to notify us on how to start the forbearance/modification process. Therefore, our request should cease any threats of a foreclosure process, as we will file for bankruptcy if necessary.
Consumer complaint received 2018-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To whom it may concern : I am writing this complaint due to XXXX XXXX XXXX is trying to collect a debt that is past the FL Statue of limitations to collect ( 4 years ) as well as the 7 years that it should be showing on my credit report. 

The account number to the original account is XXXX XXXX  XXXX XXXX . The XXXX   account number is XXXX. 

The last payment was made XX/XX/2009. I have taken care of this matter and closed my account from XXXX  XXXX XXXX. However I am now receiving these statements from XXXX stating that they are seeking payment for over {$9000.00}. 

With the Florida Collection Limitations and FCRA, XXXX is no longer legally allowed to contact me about this matter, let alone collect a debt that has been paid.
Consumer complaint received 2018-09-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (KS)

I have a mortgage loan with Wells Fargo bank and have been struggling to make payments as a result of divorce settlement. I have been in contact with the mortgage lender several times in phone, email and in person. I have been approved for a short sale, but what I need is a forbearance of payments until we can get the house sold. I've been in touch with the bank since early XX/XX/XXXX asking for assistance and submitted all the paperwork they requested, and have not heard back. I'm a XXXX on full XXXX as well as a XXXX XXXX XXXX, and have served my country for many years and am really disappointed that there is no one willing to assist me. I've been upfront and forthright in the struggles I'm having and trying to be proactive, but Wells Fargo is not responding to my requests so at this point, I'm reaching to the Federal government for help. Please help me.
Consumer complaint received 2018-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

An amount of XXXX was taken from my account which were unauthorized transactions I reported on XX/XX/XXXX They were credited back to my chase bank account On XX/XX/XXXX they were taken back out stating they were correct The companies XXXX  and XXXX stated they had evidence stating were authorized transactions XX/XX/XXXX XXXX ,XX/XX/XXXX XXXX,XX/XX/XXXX XXXX,XX/XX/XXXX XXXX,XX/XX/XXXX XXXX,XX/XX/XXXXXXXX All totaling XXXX
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

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 that a consumer reporting agency can not furnish a account without my written instructions. 

XXXXXXXX XXXX XXXX Account # XXXX or XXXX Type Collection Agency/Attorney Balance {$780.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXPhone : ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Type Collection Agency/Attorney Balance {$950.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXPhone : ( XXXX ) XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Type Collection Agency/Attorney Balance {$260.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXPhone : ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Type Collection Agency/Attorney Balance {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN37950Phone XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Type Collection Agency/Attorney Balance {$150.00} XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXPhone : ( XXXX ) XXXX XXXX XXXXXXXX XXXX Account # XXXX Type Collection Agency/Attorney Balance {$360.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXPhone : ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX # XXXX XXXX $ XXXXXXXX XXXX XXXX XXXX XXXX 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 2021-08-12
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. (TN)

I filed a dispute with Experian to have a old apartment rental removed. I just received notification the dispute is going to stay on my credit report and Experian has now extended the removal date for 3 more years. I moved out from the Apartment house XX/XX/2014, the account is only being reported on Experian
Consumer complaint received 2018-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Today, one year after it was revealed that Experian was giving access to individual credit freeze PINs to *ANYONE* who could provide a social security number as well as answer security questions with information that is EASILY obtained through public records. The original security blog is provided here for reference ( XXXX XXXX XXXX ) demonstrating as such, I found out today that all 3 credit bureaus are STILL making this PIN available to anyone who can provide the proper information to obtain it. 

I will remind you, that this PIN is NOT supposed to be known by the credit bureaus at all. Them being able to find it defeats the entire purpose of a credit freeze. Only the owner of the data ( me ) is supposed to be able to unlock it. In essence, my, and millions of other Americans ' credit files ARE NOT LOCKED if anyone can obtain the unlock PIN using simple information and a SSN.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (OK)

I checked my app today to check on my taxes being sent to my account today and I realized that they froze my account and I'm supposed to be getting my taxes today but now I can't even access my account or do anything else with it I've been waiting for almost 3 weeks for my taxes to come to my account I have to pay rent room and this came in a very very bad time and I don't know what to do and I don't have any information about trying to fix this today is XXXX the XXXX of 2024
Consumer complaint received 2020-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ad Astra Recovery Services Inc (AZ)

Ad Astra Recovery Serv is in violation of practice of usury. According to State Statue for " legal loan interest rate '' Title loans have APR 's of over 200 %. That's fraud by misrepresentation. United States Code 931 ( a ) ( 1 ) Co
ntract is automatically void
Consumer complaint received 2018-09-29
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. (NY)

I have tried unsuccessfully to submit my dispute of Identity Theft to the Credit Reporting Agencies. I have all of my supporting documents yet after two attempts at each I have not gotten the results the law according to the FCRA states.
Consumer complaint received 2018-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

So yesterday, I was in contact with someone who pretended to be the famous rapper XXXX, which they were not. They were posting on the accounts XXXX story that he, XXXX, was doing features and to message him being PayPal ready. Of course me, a musician at heart and a huge fan of this artist, took up the chance and messaged him confirming that it was the self proclaimed rapper, which he then claimed to confirm was him. He asked me to send him {$1000.00} dollars via PayPal, which I ended up doing. Throughout that, as he said he was going to the studio to record later that night, he told me that he was not able to do the track anymore because he had certain spots open and they were now offering {$2000.00}. He said that he would refund me, and when an hour passed with no refund, he never answered me back and ended up deleting me off of XXXX. I am still {$1000.00} dollars out, and I have screenshots of the conversation, his PayPal account, his XXXX name and everything. He also forced me to make it sent to a friend/family instead of doing to for business so that was he could get the money now and use it for the studio. The name of the XXXX account is @ XXXX
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: Experian Information Solutions Inc. (OR)

Yes Im the trustee XXXX, Ive been involved with human trafficking. Ive been lost at sea. 

I dont know how much longer XXXX be on shores, I just found this communication device, ohh XXXX, here they come, got ta run.
Consumer complaint received 2023-01-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (OR)

Have been trying to get hold on them But never had the opportunity! Pls lets get to a agreement I can do payments I had been XXXX to work for health problems but I believe I can fix this, im open to negotiate
Consumer complaint received 2018-09-29
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. (NY)

I have tried unsuccessfully to submit my dispute of Identity Theft to the Credit Reporting Agencies. I have all of my supporting documents yet after two attempts at each I have not gotten the results the law according to the FCRA states.
Consumer complaint received 2023-06-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (NC)

I purchased a puppy through XXXX XXXX in XXXX of 2023. The salesperson was very convoluted about the purchasing process and did not tell me that she had an issue with pulling my credit report, as I did not realize that my credit was locked at that time. She kept stating that everything was going well, and the process was almost complete. She just kept needing me to sign a document on her tablet or a document that was sent to my email for verification purposes. By the time it was all said and done, and I had time to review the documents, I had signed up for two different loans totaling over {$6000.00}. I immediately paid off one lone with XXXXXXXX XXXX in the amount of {$950.00}, but the loan from Monterey Financial is insurmountable and I was charged for things like a crate, food, and supplements that my puppy could not use ( items were advertised as being a gift ), not to mention the interest charges. I initially reached out to XXXX XXXX and was issued a check for {$200.00}, but this by no means covers it. I have tried to make payment arrangements with the company, but the process has been cumbersome and due to having to assist my recently widowed mother the monthly payments are entirely too much. Over the past week, I have received multiple calls throughout the day from this company to my cell and work phone and the messages that are being left are threatening and in by no means professional.
Consumer complaint received 2018-09-29
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. (NY)

I am submitting this complaint as the 3 major credit reporting agencies have not returned an acceptable response to my identity theft report disputing items that have been fraudulently reported to my personal credit reports
Consumer complaint received 2024-03-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Aspen Yo LLC (FL)

I HAVE A HEARING FOR RESCHEDULE A FORECLOSURE SALE ON XX/XX/XXXX, AFTER THIS DAY THE LENDER WILL NOT REVISE ANY SHORT SALE OFFERS, I BELIEVE THE SERVICING IS DELAYING TO ANSWER PREVIOUS COMPLAINT, SO I RUN OUT OF TIME. SERVICER GREGORY FUNDING JUST DON'T WANT TO SAY HOW MUCH THE LENDER WANTS FOR THE PROPERTY, SERVICER IS NOT TRANSPARENT IN THIS PROCESS, AND IT LOOKS LIKE IS INTENTIONALLY DELAYING ITS ANSWER
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MA)

Chase sent me an email stating that if i refer someone for a credit card. I would get {$100.00}. I did exactly what i was suppose to. I sent a email to the person i was referring. That clicked on that email and was approved. I received and email from chase that i was going to get a {$100.00} credit on my next statement. This never happed. I contacted chase via XXXX and secure messaging. They didn't seem interested.