davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLAZA HOME MORTGAGE, INC. (NY)

My house was severely damaged by fire, In XX/XX/XXXX. Since then, I no longer have the single rental income that I was dependent on to help me in paying my Reverse Mortgage obligations ( Retaxes, Insurance, Water/sewer ). I am a XXXX old, XXXX man living on my Social Security Income. My Insurance Company denied my claim and I have filed suit against them in Federal Court. The decision is scheduled for XX/XX/XXXX. 
Since the fire, I have met all my obligations, yet my Loan Servicer, Plaza Mortgage foreclosed on my property, because I had not fully paid my insurance. I borrowed the money to meet the Insurance payment and the foreclose is temporally removed. Since I depleted all my savings to meet my mortgage expenses, I now find myself unable to meet any of my mortgage expenses on time. Although my mortgage holder is aware of my current situation they continue to harass and threaten me with foreclosure. I am a very sick man and this pressure from Plaza Mortgage is having a profound effect on my health, I have since learned that Mortgage servicers like Plaza, employ tactics and impose illegal charges on individuals like myself. I am seeking the assistance of CFPB, as I try to keep only asset I have, my home. Please let me know where I can seek help ( financial or other ). 
Meanwhile, I can only watch as the inflated interest rates literally rip the value out of my house. Because I have a adjustable interest rate for the past two years is over 12 %. 
Please help or advise me on how to proceed, going forward. Thank you
Consumer complaint received 2015-05-17
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Second Round Limited Partnership, Austin, TX Branch (ID)

This account was a payday loan from the XXXX XXXX in XXXX, XXXX. 
XXXX years will be complete in XXXX XXXX. I am requesting that this loan disappear from my account. Company has claimed XXXX/XXXX/XXXX which is incorrect. Please send copy of original note signed to me verifying date. Loan was made against my social security payment from the XXXX government.
Consumer complaint received 2015-06-22
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (VA)

I contacted the company via phone on XX/XX/XXXX 2015 requesting assistance with my account as I am past due, over credit limit, and was shocked to learn that I was unknowingly signed up for a promotion that has led me to be over the original limit of {$1800.00} due to the promotion expiring and me being charged, according to the representative, 42 % interest on the unpaid promotion amount an entire year equaling around {$630.00}. This has left me with a balance due of more than {$2500.00}. Additionally, the representative informed me that I have an additional promotion ( that I have no idea how I signed up for ) that is set to expire in XXXX 2015 which will drive this {$1800.00} debt to close to if not more than {$3000.00}. After speaking with a financial representative for over XXXX minutes he advised me that I " did not qualify '' for assistance at this time and to try back later, despite being nearly XXXX days behing. I got no answers on how to take care of the unknown promotional purchase and no one assisted futher. After reviewing my finances I sent Synchrony Bank a repayment proposal and requested that my account be closed. In that letter I included the XXXX payment as proposed in the repayment proposal and this payment was cashed on XXXX XXXX 2015 via electronic draft. I recieved a call on XXXX XXXX 2015 from XXXX stating that they were collection agency assigned to my Synchrony account. The account supervisor informed me that there was no record of a repayment letter included with the payment, and that my account had not been closed. She had no details as to how the company got the check that was enclosed in the letter, but did not receive the letter. The rep closed my account and took some details of what was enclosed in the letter so that she may relay that information to Synchrony Bank. She could not help me with the issue of promotional purchases because she said she did not have access. I tried to call Synchrony Bank directly, but as they have sent my account to collections I am automatically forwarded to the collection agency who can not help me resolve the many issues I am having. I am not denying that I owe what I borrowed but I DID NOT sign up for a promotion and definitely did not sign on to pay nearly XXXX times the amount I borrowed.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, Chase Bank abruptly closed my XXXX XXXX XXXX XXXX account after accepting only XXXX payment transaction. They've withheld my funds and informed me that I would receive them within XXXX  days. Despite multiple attempts to retrieve the funds, Chase has denied my requests without providing any explanation or details. They have ignored my emails, letters, and even a communication from the customer involved in the transaction. This behavior is unacceptable, and I demand immediate resolution and reimbursement of the withheld funds. Furthermore, Chase 's actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) numerous times, exacerbating the severity of this situation.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I called Equifax to report a fraudulent credit card account on my credit report it was a XXXX department card that did not belong to me. I called them to dispute it and to have them investigate it. In doing so the representative I spoke to must have erased my credit profile because any credit report site I go on to pull my equifax report says there is an error. I logged into my XXXX app and it says its unable to pull my Equifax report. I logged into Equifax and nothing after the month of XXXX shows.
Consumer complaint received 2019-02-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (KY)

There is a debt collection agency called Diversified Consultants that is claiming that I owe {$1300.00}. I do not owe this debt. XXXX took it off my report on XX/XX/2018. A month or so later, this collection appreared on my credit report again. I have disputed this account several more times. Also, I recieved a letter on XX/XX/XXXX from this debt company saying that my account was disputed and they will cease collections on the account. Can you please have all three credit bureaus take this off my report?
Consumer complaint received 2016-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Creditors Bureau Associates (GA)

I get calls every few weeks weeks referencing a medical debt that is claimed that I owe. I do not owe this debt. It has been paid and I have the check image showing that it was paid and cleared my bank account on XXXX/XXXX/XXXX. There is now a collection item listed on my credit report as of XXXX/XXXX/XXXX for this debt that I no longer owe.
Consumer complaint received 2024-03-13
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (NC)

I transfer money from my payroll account to my XXXX XXXX XXXXXXXX account but the money has never posted into my XXXX XXXX XXXXXXXX account since XX/XX/XXXX and I called I never received the money but they told me that the money has been successfully transferred already so they asked me to talk with XXXX  XXXX XXXX called XXXX  XXXX XXXX. XXXX  XXXX XXXX even told me that money was never posted into my account. They only see money to try to take money out of my account, but they were posted the money money posted into my account and I disputed and my dispute has been denied for no reason.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

This is the 12th time I have contacted equifax about the following inquires that are Unverifiable and not mine that are reporting on my credit report nd still nothing have been done the only response I get is that the INQUIRES ARE FACTUAL and the following inquires are not factual : 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 XXXX XXXX If these inquires are factual : a ) Tell me in writing what information you received from this creditor to support the presence of this Inquiry. 

B ) Tell me in writing what you did to determine that the information the creditor provided was accurate. 

c ) Note how the information was relayed to the creditor and the EXACT information ( type/kind ) that was provided to your bureau as PROOF of the accuracy of these late Inquiry. 

EQUIFAX DID NOT PROVIDE ME WITH NONE OF THIS I DON'T UNDERSTAND. I did not authorize or give CONSENT to anyone employed by the this company to make any inquiry and view my credit report. Further more I did not GIVE any kind of instructions to report this ALLEGED inquiry on my credit file. U.S.C. 1681b ( a ) ( 2 ). 15 U.S.C 1681b ( c ) ( 1 ).
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I applied for a HAMP modification from Specialized Loan Service LLC ( SLS ) with the help of XXXX ( XXXX ) in XXXX. I was then told 5 weeks later that they would n't accept XXXX packet, so, I filled theirs out and updated all the docs requested of me.By the end of XXXX, I was told all of the docs had not been received and I would have to update mine and my daughter 's Social Security benefit letters while I was at XXXX. I left and went to the S.S. office and got both of the docs and brought them back to XXXX XXXX faxed them over to them immediately and brought my bank Statements up to date. When calling SLS in XXXX, I was told by XXXX, my counselor at SLS, I would n't be eligible for any government programs because they were missing my daughter 's S.S. benefit letter. She said even if I faxed them that morning at XXXX XX/XX/XXXX, it would be too late because it takes 24-48 hours to get into their system. She was very rude to me. I faxed them anyway and called them back and spoke to XXXX she told me that as long as I had the receipt dated before XX/XX/XXXX that it was acceptable but that I was also missing an update on my bank statement. I asked " Why did n't XXXX tell me that when I spoke to her earlier? '' She had no idea and she said she should have. I read that on XX/XX/XXXX there was a class action suit filed against SLS for the same reasons I 'm telling you about! They run people around for documents 2 and 3 times saying that they never got them. And They are not reviewing my application in a timely manner. I was also told by XXXX that the HAMP is over. I heard on the news that it has been extended. They have even called my insurance company and told them that I was in foreclosure. I have n't received any notice of that.
Consumer complaint received 2022-09-05
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX, XXXX XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX IN ( Original Creditor : 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, and XXXX XXXX XXXX have 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 a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

We applied for a loan modification in XX/XX/XXXX with Wells Fargo, and had to fax the information over and over to different case workers. They responded : ca n't help you unless you stop payment. So we stopped payment. They simultaneously agreed to work on a modification AND put us in to foreclosure proceedings. More faxing ( with ridiculous deadlines every time ... the stress was indescribable ). More names of new customer service reps over and over. XX/XX/XXXX, they modified the loan BUT NEVER TOLD US. We were forced to short sale XX/XX/XXXX - that 's when we found out about the loan modification ( that they never advised us of ). " You mean we could have afforded our home??? '' Too late. Interestingly, the national mortgage settlement paid those who lost their homes before XXXX/XXXX/XXXX. And these abusive practices became illegal in California starting XXXX/XXXX/XXXX. Our loss landed between those XXXX dates, XX/XX/XXXX. We seek justice and have documentation. Of course, the toll it took on our family ca n't be documented, unless you count the scrap of paper I found under my son 's pillow. It said, " My wish. To go into my old house just one more time. '' He took it pretty hard. He was XXXX.
Consumer complaint received 2016-12-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank put a hold on funds deposited for a check that was deposited at an ATM on Saturday night, XXXX until Tuesday, XXXX. The check cleared the payer 's bank on Tuesday, XXXX, but Citizens Bank continued to hold the funds. The check was for less than {$5000.00}.
Consumer complaint received 2017-03-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I spoke with the bank Representative around XX/XX/2017 to request a payout information for my HELOC ( Home Equity Line of Credit ). The bank representative never disclosed to me about any fees whatsoever. A few days after that I notice a {$25.00} fee assessed by the bank.
Consumer complaint received 2016-02-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Everest Receivable Services Inc. (NJ)

First and foremost the person who called me was very rude and did not let me even speak. He was giving me attitude and was n't very informative nor was he professional. I was late for work and asked him if he was able to contact me at a different time, he refused to do so and demanded I speak to him despite the fact of me missing my train. They were not able to provide what it was actually about. Also the gentleman asked me to verify my last XXXX digits of my social security number, I refused because at the time he had n't even told me where he was calling from or what it was regarding! He had n't advised me that they were trying to collect a debt, or anything just kept on demanding that I provide me the last XXXX digits to my social. He then proceeded by telling me that he had my social security number in front of him and then continued by reciting my 1st XXXX digits of my social security number! I was appalled and shocked that he would do something like that. That was my personal information he was sharing out, what if it had not been me? They continuously harass my boyfriend, which I do not even know how they obtained his number seeing how I did n't even know that he existed at the time they claim the date was. They stated that they use a " very powerful search engine ''. If so then how come no bill was sent to my correct address or how come they did not call MY number? I was APALLED at how I was spoken to. I then proceeded to try and get as much information as possible, leaving me to still scratch my head. My boyfriend was harassed, my personal information was given to me over the phone before verifying it was even me, I was spoken to horribly, Not enough information was given.
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with 15 U.S.C. 1692f ( 6 ) Unfair Practices and 15 U.S.C. 6802 ( b ) Obligations with respect to non disclosed personal Information Capital One Auto has violated my rights. 15 U.S.C. 1692 ( f ) Unfair Practices Taking or threatening to take any non-judicial action to effect disablement of property. Capital One Auto has Threatened me several times and repossessed my Vehicle with-out a Judicial Court order by the Judge this is a violation that constitute actual damages sustained by me the consumer I have suffered financial damage in accordance with 15 U.S.C. 1692k Civil liability.

In accordance with 15 U.S.C 6802 Capital One Auto has violated my rights by disclosing my non public information to a non affiliated third-party ( XXXX ) XXXX XXXX  . I have never done business with XXXX XXXX and somehow they illegally repossessed my vehicle. Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. Capital One has never giving me a disclosure of XXXX XXXX be affiliated of the contract on file.
Consumer complaint received 2022-02-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc. (IL)

State Collection Service , Inc. did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (PA)

To whom it may concern, This is a complaint against not only ocwen llc, but, also goldman sachs, for fraulant activity, dealing with my mortgage that originated with XXXX, apparently Ocwen, went to XXXX XXXX to invest in my property and they did as of XXXX/XXXX/XXXX. My loan with deuache Bank was paid off, Ocwen never gave me my satisfaction of mortgage, so I went to city hall and they informed me that my account had been updated as od XX/XX/XXXX,. On XXXX XXXX XXXX, one day before forclosure which I was not informed of, I was called by someone in the research esclations deptment telling me not to worry about the forclosure that my house is in the satisfaction of mortgage dept, well low and behold my home was sold on XXXX XXXX XXXX, even after the sherriff had told the law firm it was a fraudulent sale, 30 minutes later they had bought my home. Now I have been fighting to keep my home filing motions and being denied, I do not know if I could appeal it now I 've been sick, and my sister in law passed, But, I will go do that on XXXX/XXXX/XXXX. Now I have called Ocwen research XXXX/XXXX/XXXX, and they are again telling me it 's being investigated. I also called XXXX sachs reguarding their investment on my home and they toldme they ca not discuss this with me, but, he will be getting intouch with Ocwen, to see what is going on. Apparently, Ocwen, was servicing both of these investments, I have called XXXX and spoke to a vice president, who claims although he had everything stating my loan was satisfied in XXXX he could not put anything in writing. I do n't understand how people could sleep at night knowing they owe you what is yours. Now I have Ocwen 's eviction lawyer XXXX XXXX, phone number XXXX XXXX, she too has that it is paid off and she told me there going through with the eviction, Please help me, My home is mine, and no judge will go against another, they wont even look at my evidence, this is a violation of my rights. I need your help ASAP, Please I have XXXX daughter 's and a granddaughter in my home with me. Ocwen 's reo is coming to my home at night and flashing a flash light in my front window, that 's trespassing. I do n't know what to do, I have no money it has all gone on saving my home, Please Help Me.
Consumer complaint received 2022-09-05
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. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2017-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (GA)

Several years ago XXXX bought out XXXX XXXX co. I paid my final bill off with them. XXXX takes over and my bill goes up but I pay them faithfully for past several years.Well my credit score dropped XXXX points in the last 2 days. I go online to find out an credit collection agency ERC has posted a unpaid debt of XXXX with all credit reporting agencies. When I called them about this they said it was XXXX, filed this against me and they did n't know what it was for. 
I went to XXXX and they said it must have been an old bill, when I requested them to give me proof of this they had none. I paid those folks off before XXXX took over. But what 's worse is they sent me a bill marked XX/XX/2017 which clearly states I had 30 days to dispute this charge today is XX/XX/2017. And they already reported this to all the credit reporting agencies. I am livid about this I tried very hard for the past 10 years not to have any negative credit issues and there about to do this as easy as taking candy from a baby. My complaint is ERC and XXXX. Why can they exhort consumers and get away with it. Something needs to be done about them, they do n't even have to prove anything. If I brought a case against them claiming they owed me I would have to prove it! 
Why do n't they have to? Why are they allowed to ruin someone 's credit? It took me 10 years to build it up!