davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I filed for a loan remodification. 
During the process several people at the mortgage company were involved because of their policies. I agreed to record every single phone call. An escrow issue became part of the problem. ( Which all phone calls can give the total truth. ). Moving forward I made every payment every month during this process. A few times I only had enough to make principal and interest. I was told that was ok at the moment while this process was going on. Every time there was an issue someone would give me instructions, I would carry that out, call and have to speak to a different person because my representative was on the phone. 
It was a nightmare to say the least because some would say to do something different because of some customer service person gave me wrong information. Id go to another step, turn that in and again someone else would tell me that was wrong. 
This seemed like it took forever to do. 
I was making payments, escrow was getting behind. I was told modification went through and I was given a payment to start the trial..that also changed XXXX times. 
I cant stress enough of how this whole process got twisted XXXX different ways. 
Then, the mortgage company turned false information in to my credit report with a much higher payment because of escrow. 
I never signed anything that said my payment was over {$1000.00} per month. 
I accepted and agreed to the last contract that was written for {$690.00} I set up XXXX automatic drafts to be deducted from my checking account for XXXX, XXXX and XXXX. The mortgage company sent the total monthly payment as {$1000.00}. 
Thats not correct!!! I have paperwork where I accepted {$690.00} My XXXX XXXX with all XXXX bureaus went down over XXXX points! 
This is wrong on so many levels!!! 
I need help please!!
Consumer complaint received 2024-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (GA)

On XX/XX/XXXX XXXX Mortgage paid {$5300.00} out of my escrow account to city of XXXX for our property tax. On XX/XX/XXXX they again took out {$5300.00} from our escrow account to pay the taxes which was double the tax payment due. Since then, our total mortgage payment was increased and our escrow account remains negative. We called trying to ask for refund to our account starting XX/XX/XXXX. Since we have called countless times and have been told varying stories from the representatives including being told that the taxes were not actually received by the city, the check had never been cashed and they were going to cancel it and give us our refund back, to the city is sending a refund and now we are waiting on the check to be received. It has been now over XXXX weeks since we were told that it would definitely be back in our account in XXXX days. I again called today XX/XX/XXXX and now they are saying they can not tell me when the check will be received and can not tell us how long it will take for them to refund our escrow account. Meanwhile we continue to have to pay a higher mortgage every month. This mistake was made by XXXX mortgage and the money was removed from our account and they have been unable to fix the balance after XXXX months of us calling and sending in written requests.
Consumer complaint received 2020-06-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC (IL)

I have disputed this account and have asked for proof in form of a signed contract with my signature and have not received anything. Flagship Credit continually reports this account to the credit reporting agencies incorrectly. I have never done business with Flagship Credit Acceptance. I have never signed any contract with Flagship Credit Acceptance but they still are reporting this account under my name. Under the FCRA the creditor is supposed to furnish proof of the debt if asked. I have asked them to send me proof and they have not. I want them to delete this account from my credit report immediately. This has hindered me from getting a house and other things.
Consumer complaint received 2024-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

I am writing to file a complaint against XXXX XXXX XXXX regarding a civil notice I received on XX/XX/2024 claiming an outstanding amount of {$7700.00}. I am deeply concerned about several discrepancies and the lack of information provided to verify the validity of this account. Upon reviewing the notice, I observed inconsistencies that raise doubts about the accuracy of the claimed debt. XXXX XXXX XXXX has failed to provide sufficient details and documentation to allow me to verify and validate the legitimacy of the debt, violating my rights as a consumer. 

I am specifically troubled by the following issues : XXXX. **Lack of Information : ** The notice fails to provide comprehensive information about the nature of the debt, including the origin, date of the alleged transaction, and a breakdown of charges. Without this crucial information, I am unable to verify the accuracy of the claim. 

XXXX. **Discrepancies in Amount : ** The stated amount of {$7700.00} does not align with any known transactions or financial activities on my part. I request a detailed breakdown of how this amount was calculated and why it is being asserted against me. 

XXXX. **Failure to Validate Debt : ** I have not received adequate documentation or proof confirming the validity of the debt in question. I believe XXXX XXXX XXXX has not fulfilled its obligation to provide the necessary evidence to support their claim.
Consumer complaint received 2018-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC (NC)

I have spoken with the original creditor in this the reference to account number XXXX XXXX XXXX XXXX XXXX they have informed me that the account was handled and paid in full. They informed me that there is no reason it should be reporting on my credit and leaving damaging effect to my credit reports. it is against the law to still report on the credit reports if the account is in fact paid and settled It also violates my rights a consumer and could be a penalty against your company.
Consumer complaint received 2015-09-23
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: STATE FARM BANK, FSB (AZ)

I became XXXX with XXXX in XXXX. I received a notice of intent to foreclose from XXXX in XXXX, XXXX. I vacated the house in XXXX, XXXX, after filing for Chapter XXXX bankruptcy. The bankruptcy was discharged in XXXX, XXXX. In XXXX XXXX XXXX XXXX took over the mortgage, which still was not foreclosed. I continued to pay homeowner 's insurance through XXXX XXXX XXXX until XXXX, XXXX, when XXXX XXXX XXXX cancelled my insurance because the house was not occupied. My annual insurance premium was approximately {$500.00}. I had been a customer of XXXX XXXX XXXX since XXXX. XXXX XXXX XXXX acquired homeowner 's insurance for the house from State Farm Bank, at an annual premium that was over {$3200.00} annually. The insurance premium was applied to the escrow account on the house at {$850.00} quarterly. The bank did not foreclose. I started the process for a short sale in XXXX, XXXX. Shortly after that, XXXX XXXX XXXX sold the mortgage to XXXX, serviced by XXXX XXXX. The short sale was still in process by the following XXXX, XXXX. The title company working with XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, discovered that State Farm Bank had applied a lien for over {$11000.00} to the mortgage -- a personal lien in my name. They discovered that State Farm Bank had also applied an item labeled a charge card to my bankruptcy records for the exact same amount. I never had a credit card with State Farm Bank. The items added to the bankruptcy record had n't been on the original paperwork. I was never notified about the lien. The only lien on the mortgage was for several years of utility bills for the house I had vacated, expecting foreclosure. There was a second item related to State Farm Bank on the altered bankruptcy record for XXXX Attorneys at Law for State Farm Bank. There is only the firm name on the record, with a XXXX amount owed. The same amount as the lien is entered on the line above as a State Farm Bank charge card. I do n't know whether the {$11000.00} is for attorney fees or what, but I do know it was applied retroactively to a bankruptcy already discharged and also applied as a lien to the mortgage, which XXXX XXXX XXXX has sold to XXXX. The short sale failed, as a result of the buyer being unwilling to pay the lien amount and, also, because XXXX XXXX bank decided to offer the house on an XXXX to see if they could get a better offer. I was never notified about the lien, which was applied in XXXX to a bankruptcy discharged in XXXX. I will be filing a complaint against XXXX and XXXX. These complaints joint the XXXX already filed against XXXX XXXX and XXXX XXXX XXXX. XXXX other note is that, when I asked XXXX XXXX XXXX to help me with this issue, I was told they are not a party to this transaction ; that I would need to file a complaint against State Farm Bank.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

Visited XXXX XXXX branch on XXXX XXXX, in XXXX XXXX to clear a XXXX XXXX for an account I could nor gain access too, as well as potentially open a XXXX XXXX account. After meeting with XXXX XXXX, I felt very belittled and degraded, as she spoke to me like a child. And refused to accept my payment for my XXXX XXXX. To be fair, I did arrive to my appointment XXXX XXXX late because I forgot my XXXX and turned back to get them from home. When I arrived she spoke out and said is my XXXX appointment here. I replied yes. She then said XXXX? I said yes, that's me, she again replied, it was for XXXX. I apologized and said I turned back because I realized I left my XXXX. And she chuckled. Then said how can I help you, I told her I want to pay a XXXX XXXX, and open a XXXX account. She replies, I don't do payments for XXXX XXXX, I can only handle opening a XXXX account. Then states " you know chase won't allow you to open a XXXX account if you owe them money right? ( IN A LOUD TONE ). Then replies, just to be clear, im not speaking loud, but I just want to let you know that. Then says, '' C'mon, would you lend someone money if they owed you '' Honestly, it felt like she wanted the whole bank to know I owed chase. I responded, I would assume that they wouldn't, that's why I said I want to make a payment on my XXXX XXXX. Then she decides to pull up my account. She then says, you have XXXX XXXX XXXX, what's going? I told her I'm only aware of the one I came to pay, and she said the other one is from XXXX XXXX ago. I said ok, well I didn't know. She then decides to lecture me about how chase views customers with XXXX XXXX XXXX, and ask who do I bank with? I replied just XXXX banking ( XXXX XXXX etc ). Then disrespectfully goes, do you work? Like why is that your business? I'm here to make my payment, and do business. I immediately ended the dialogue, and said mam, can you start the process to make my payment. She kept replying, I have to make a call XXXX, and I said so I can't just make a payment? She replies, I have to make a call XXXX. I decided to leave the meeting and go to the teller, where I easily made my payment. I've never felt so downplayed in my life, and im definitely not going to that branch. And possibly never do XXXX with XXXX again. I tried calling XXXX XXXX XXXX to complain. Waited XXXX XXXX, to have a representative transfer me to there XXXX, and been on hold for another XXXX XXXX. So here I am. OFFICIALLY COMPLAINING.
Consumer complaint received 2024-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MI)

I use Venmo to receive my direct deposits from my job. I tried to send money to my mother only to find my account was locked. This was after having run errands and using it all day for menial things like the dollar store and a fast food restaurant, however I did receive a transfer from the IRS, my federal returns, which may be relevant? But I had no warning. Nothing popped up on app, I didnt get the email they claimed they sent, nothing. So now they are holding just shy of {$200.00} of my funds and will not release them. I tried calling and they have no customer service you can speak to about account access issues.
Consumer complaint received 2020-06-30
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2019-05-22
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: EQUIFAX, INC. (LA)

Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX - partial account numbers XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-01-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

OnXX/XX/XXXX I made a deposit in good faith at JP Morgan Chase, in the amount of {$25000.00}, in the form of a check. The ATM receipt indicated that the funds would be available on the XX/XX/XXXXThe holiday passed and the funds registered to my account on the XXXX, however, JP Morgan Chase, put a " hold '' on the money till the XX/XX/XXXX for a reason that no one cared to explain at Chase Bank. They keep referring me to " loss prevention, '' that office wo n't open for another few hours here. I find the hold unnecessary and biased, as I have made a deposit from the same account for {$50000.00} on XXXX. I have filed a formal complaint about the matter # XXXX, and I am using every recourse I am able to resolve this matter. I am fairly XXXX and suffer from XXXX XXXX, and it is greatly affecting my peace of mind.
Consumer complaint received 2020-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

Re-certified for the second year of PSLF. Received update stating only two months of the 12 months qualified. I called FedLoan on XX/XX/20 and spoke with a representative who told me the previous representative was incorrect and a reConsideration into my case will not happen
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Marel Consultants Inc (PA)

Creditor contacted me on the XXXX XXXX, 2016. I told them I would need 30 days to verify the debt, which is an acceptable time as stated in the Fair Debt Collection Act, to verify the debt. I would then contract them on or before XXXX XXXX, 2016 to set up payment resolution. I was contacted again by the same creditor on XXXX XXXX, 2016. I explained again I would need to verify the debt and contract them on or before XXXX XXXX, 2016 to set up payment resolution. The creditor said they do not need to adhere to the Fair Debit Collection Act and I would need to contract them on or before XXXX XXXX, 2016 to set up payment resolution or they would pursue legal action.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Subject : Urgent : Request for Assistance - Potential FCRA Violations Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a significant issue I am facing concerning potential violations of the Fair Credit Reporting Act ( FCRA ) by my student loan provider.

A year ago I discovered discrepancies in my credit report that have had a substantial impact on my credit history and score. First my account with student loans was only one and it was closed for a full year. Yet one XXXX and Transunion never merged same information on the closed account. So I contacted the lender disputing the inaccurate information that it might need to be adjusted. Instead the following happens. 

The situation involves the reopening of a closed student loan account, after a full year, resulting in the creation of XXXX new accounts. This has led to a considerable decrease in my credit score, from XXXX to XXXX impacting my financial standing. My income is {$0.00} as I am caring for XXXX XXXX children. 

Based on my understanding of the FCRA, particularly Sections 611 and 623, I believe there may be violations related to inaccurate reporting and the reopening of accounts without proper explanation. 

I have already initiated disputes with the credit reporting agencies to address these inaccuracies directly with them. However, I am reaching out to the Consumer Financial Protection Bureau seeking your assistance and guidance in resolving this matter. 

I kindly request your intervention to : 1. Investigate the potential FCRA violations related to the reopening and splitting of my student loan accounts.

2. Facilitate communication and resolution between myself and the loan provider to rectify these inaccuracies promptly. 

I have attached relevant documentation, including copies of my credit reports, for your reference. 

Your prompt attention to this matter is greatly appreciated, as it has significant implications for my financial well-being. 

Thank you for your invaluable service and commitment to protecting consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-01-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

In XX/XX/XXXX, opened share savings account and given membership number XXXX, and in XX/XX/XXXX, opened limited checking account. Someone hacked into my XXXX account and attempted to make purchases with my registered accounts in the XXXX system. With very limited funds in the mentioned accounts, of course, PenFed rejected these debits from the account. However, after multiple attempts/returns to the account, this Credit Union has assessed at least {$700.00} in bank fees. On XX/XX/XXXX, sent an e-mail on the consumer website through " contact us '' advising them of the issue and to reverse the charges. As of this writing, they have ignored my e-mail and have been negligent in noticing/contacting the member about these suspicious transactions on a new account. They should be investigated for the numerous erroneous fees that most likely are charged to the members of this Credit Union.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX has recently settled in a multi state investigation about XXXX 's subprime lending practices. XXXX knowingly exposed borrowers to unnecessary risk and placed them into loans with a high probably of default. I have sent letters to XXXX about my account being deleted and to this day they have not deleted this from my credit report. It is against the FCRA for a creditor and the credit reporting agencies to report inaccurate and false information. I am asking that this XXXX account be deleted from my credit report immediately.
Consumer complaint received 2017-08-16
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: Professional Debt Mediation, Inc. (FL)

XX/XX/XXXX ( 5 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX {$1200.00} I sent this letter to them they have not gotten back to me. XX/XX/XXXX PROFESSIONAL DEBT ME XXXX XXXX XXXX XXXX, FL XXXX Dear PROFESSIONAL DEBT Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that PROFESSIONAL DEBT send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by PROFESSIONAL DEBT to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Dear XXXX XXXX Credit Reporting Personnel : I hereby ask that you substantiate your claims regarding all account data you conveyed to credit reporting agencies for me, XXXX XXXX, as concerns a suspicious account XXXX XXXX XXXX. Given the possibility that an error may be present within the account record, I must ask that XXXX XXXX send all relevant data on your letterhead as soon as possible. I want more than only a simple account statement. Instead I must call for a careful documentation. If these reasonable demands can not be met during this reasonable period, summary data disseminated by XXXX XXXX to the credit bureaus should not be deemed factual and may bespeak a nullification of my consumer rights. If this is the circumstance, kindly remove those credit report items immediately. I offer my sincere gratitude for your examining this circumstance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX