davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TN)

Today I pulled my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into any contractual agreement with them stating that I would pay them for any services or goods
Consumer complaint received 2016-04-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Regional Management Corporation (TX)

I have requested that Regional Finance not call my place of work. Which is a government agency, I have requested no calls to my work number on several occasions. Today makes the 15th call. I spoke with XXXX on XXXX/XXXX/16, I requested no call to my work number. XXXX from Regional Finance has continued to call, and she disclosed my personal debt to a co worker. These types of practices will not be tolerated. The company is Regional Finance located on XXXX XXXX XXXX, XXXX XXXX, Texas, XXXX
Consumer complaint received 2022-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NY)

My husband lost his job during XXXX and we filed for forbearance with our mortgage company Flagstar. Once we were able to resume payments, we contacted the company and started the loan modification process. We were given terms and asked to make 3 months worth of payments to show we can resume regular payments. We did that successfully and then were sent a loan package. We had the documents notarized and sent back to Flagstar before the due date. After some time I reached out to them to set up autopay on the new loan amount only to be told the loan had been terminated! After many hours on the phone, Flagstar admitted they had indeed received the documents on time, but that due to some clerical error on their part it was terminated and we had NO RECOURSE. We tried to continue to argue our case, but were on a hamster wheel. We spent well over 20 hours on calls ( that can be documented with phone logs ) and finally out of sheer frustration and warnings of losing our mortgage by Flagstar we reluctantly accepted a second modification at a higher interest rate. We made the three months of payments on this recent modification as required. Then we received the modification package and returned it ahead of the XX/XX/XXXX due date, the documents were in fact received by Flagstar on XX/XX/XXXX at XXXX ( documents and tracking info attached ). 

I called Flagstar this morning, just to confirm that everything was in order and was informed AGAIN that our loan has been terminated due to not getting the documents on time! I had the agent confirm that they were in fact received on time, I then asked for a supervisor and was connected to XXXX ( XXXX ) in the XXXX XXXX XXXX XXXX  XXXX confirmed our documents were in fact there on time and did not have an answer as to why our loan was terminated. He said it would be sent to the underwriting department and they would fix it. 

We did this song and dance the first time around. We trusted the system and believed that Flagstar had our best interest. That was absolutely not the case. We feel strongly that Flagstar is purposely introducing errors to cause delays in the process and force consumers into higher rates. There was no effort on Flagstars part to rectify their initial admitted error and they are now trying it again! 

This time we are going to take action which is why I am filing this complaint. 

I can provide all pertinent information as needed.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (LA)

Jefferson Capital System account # XXXX. 
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that every thing is verified correctly. My credit report is still showing inaccuracies, as well the account constantly being deleted & reappearing on my credit reports month after month, my consumer rights has been violated over & over by this company disregarding laws 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 
15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-10-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

Here is a timeline of the most important actions regarding the XXXX  {$160000.00} wired to XXXX, to beneficiary XXXX XXXX XXXX : XX/XX/XXXX Wire was sent in XXXX, with Senders Reference Number XXXX - XXXX - XXXX, XXXX Reference Number XXXX -Confirmation Receipt attached-. 



XX/XX/XXXX Amendment XXXX message was sent with field XXXX Remittance Information to credit funds as follows : XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Reply from XXXX XXXX XXXX, XXXX, in XXXX XXXX was : PLS BE ADVISED THAT UNFORTUNATELY WE ARE NOT ABLE TO ATTEND YR AMENDMENT REQUEST SINCE YR XXXX WAS ALREADY EXECUTED WITH YR ORIGINAL INSTRUCTIONS. AMOUNT PAID TO XXXX XXXX XXXX ( FEES DISCOUNTED AS PER YR FIELD XXXX OF YR XXXX ) VD. XXXX UNDER OUR REF. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX As per beneficiarys request, we opened a XXXX to XXXX the wire. XXXX XXXX XXXX. No response from beneficiary bank. 



XX/XX/XXXX A second XXXX request was sent. 



XX/XX/XXXX A third XXXX request was submitted. 



XX/XX/XXXX We were informed in a call with XXXX representative, that monies were in XXXX XXXX XXXX since XX/XX/XXXX with Reference XXXX. With that information our bank sent another XXXX, and our Intermediary bank replied the following : PLS BE ADVISED THAT UP TO THIS TIME, WE HAVE NOT RECEIVED ANY REPLY FROM XXXX. WE HAVE SENT ANOTHER REMINDER TO XXXX AS SOON AS WE RECEIVE A REPLY FROM XXXX WE WILL LET YOU KNOW XX/XX/XXXX We were informed XXXX XXXX XXXX had reached out to XXXX to recall the wire and waited for reply. No reply from XXXX. 



XX/XX/XXXX Again we were informed through XXXX XXXX that beneficiary was on XX/XX/XXXX in the amount of XXXX XXXX under ref XXXX. kindly advise if client has now been able to locate funds. 



XX/XX/XXXX XXXX wire room escalated to their contacts for assistance. No reply from XXXX. 



XX/XX/XXXX We requested our bank to send another Recall message with information provided by XXXX, which Is the same as the message XXXX provided on XX/XX/XXXX XX/XX/XXXX Our Bank informed us they were not able to submit more Recall requests. 



XX/XX/XXXX XXXX XXXX XXXX that they have submitted a Case ( XXXX ) with a request to have the beneficiary 's bank provide confirmation of where the funds were credited, but have yet to receive a response. In regards to the most recent XXXX communication, the request is still in progress. You can expect to receive further information within five to eight business days. If you need to contact us further regarding this request, please reference the following file number : XXXX -no XXXX  Messages provided-
Consumer complaint received 2022-10-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending (GA)

We recently closed on our mortgage back in XX/XX/2022. We received confirmation on our documents that the funds to cover our county taxes were collected up front and put into our escrow account. The amounts we were required to pay every month to go into and towards our escrow and taxes were analyzed by our lender. It is almost time for our taxes to be disbursed and we received the Property Tax bill, and it is much higher ( over {$2000.00} short ) than what was collected upfront and calculated to cover this cost. It is going to create a shortage in our escrow account and make our monthly payments go up higher. This is going to create a hardship due to an error on the lending company not calculating and collecting the correct amount up front. This should not be something we have to make up for, the Lender should be responsible for this shortage we are just starting off with obtaining our home.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

This debt has surpassed the statute of limitations. The date of last of activity was XX/XX/XXXX, the SOL is 3 years in maryland, yet it still appears on my credit report despite me contacting the company several times. This company is inaccurately reporting on my credit report a payment made in XXXX however, no activity has been made on this account since XXXX
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (LA)

Round point mortgage servicing company have refused to provide information concerning the terms that was signed on property XXXX XXXX XXXX XXXX Louisiana XXXX they have applied all payments made has been held back as though we are n't making payments. I HAVE ALL DOCUMENTS FROM ATTORNEY OFFICE, HUD CONTRACT.
Consumer complaint received 2017-10-10
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Santander Consumer USA Holdings Inc. (CA)

On XXXX XXXX, XXXX at XXXX ( PST ) I was contacted by Santander Consumer USA regarding my account status and a pending complaint that I had with the company. After informing the agent ( identified himself as someone calling from the President 's Office ) that it was XXXX, the call ended after he informed me his system did not stop the call from going through. I was woken up to take this call and felt completely violated by this company.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

On XX/XX/2022, XXXX XXXX agreed to waive the late payments and remove the 2 recent, late payments for four different accounts I have with them. The delinquencies are still on my credit file and need to be removed.
Consumer complaint received 2022-10-06
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: EQUIFAX, INC. (FL)

I am a natural person. I am a living human being. I have rights under 15 usc 1681 Equifax is govern by 15 usc 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because : According to 15 USC 1681. I have the right to privacy. And I did not give written permission to furnish these accounts. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( {$29000.00} ) XXXX XXXX XXXX XX/XX/XXXX ( {$22000.00} ) XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Equifax is reporting addresses on my consumer report and I did not give them permission to do so, also they did not give me the three disclosures about nonpublic personal information.

They are in violation of 15 U.S. Code 1681b ( a ) ( 2 ) They are in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ) ( B ) and ( C )
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bliksum, LLC (CA)

Loan me has sold my loan to another company called XXXX. I have paid XXXX for my loan with loan me from XX/XX/XXXX until paid off on XX/XX/XXXX. 
I filed a dispute with XXXX on XX/XX/XXXX because loan me did not update my loan status. After completing the investigation loan me reported I paid them until XX/XX/XXXX and then my loan was charged off. 
This is inaccurate information because I did not pay loan me I paid XXXX from XX/XX/XXXX - until paid off on XX/XX/XXXX after my loan from loan me was sold to them. 
Under the fair credit reporting act loan me has violated my rights. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
Due to the incorrect payment history and dates I would like to request loan me account is deleted from my credit report. I will attach the supporting documents of the Loan payments to XXXX for loan me being paid off on XX/XX/XXXX.
Consumer complaint received 2016-08-23
Product: Credit card — 
Issue: Other — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I have a {$25000.00} credit card line with Regions Bank split into XXXX accounts. I was going to be in the hospital and had my wife bring the XXXX checks to Regions, which I have never been late on. Afer being discharged from the XXXX XXXX I went thru what she did & noticed that Regions had misapplied both payments to XXXX account there fore reporting me 30 days late in my credit report. When I got out I went in person with their receipt and a copy of both my cancelled checks asked for the manager & he was tied up. I knew the assistant and asked him to have XXXX call me as I needed it fixed and wanted a copy of the letter sent to the credit bureau. No one called me until the next day even though I was there early Monday XXXX. The same assistant said XXXX is still busy and knows my concern. I told him I wanted it fixed in writing. Now I am late because they are over charging me on XXXX account and the wrong amount on the other. This is being done intentionally and is against the law. I have NEVER been late and they say they can correct it internally on the payments but that does n't undo reporting me 30 days late when I was NOT.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I signed up for a savings account with Citi Bank under the premise that they will provide a promotional bonus of XXXX dollars upon my deposit of at least XXXX dollars and keep it in the account for 3 months. I met this requirement and it has been 7 months and I have not received any bonus amounts. I have reached out to Citi for this, and they are requesting a promotion disclosure document as evidence. I did not receive such a document as Citi had advertised this promotion to me on their " Offers For you '' section on their webpage. 

I feel very misled by Citi ; it is simply impractical to keep screenshots and documentation of my internet browsing history, just on the off-chance that a banking institution requests this proof to honor their explicit offer to me.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

We received a payment for the purchase of insurance via American Express card, provided the services purchased, and nearly five months later the cardholder disputed the charge and AMEX deducted the full charge amount from our bank account, despite our providing clear evidence that the charge was valid and the services provided tot he cardholder. AMEX refuses to return the {$18000.00} that they took from us.
Consumer complaint received 2017-10-10
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

TENS OF THOUSANDS OF DOLLARS MYSTERIOUSLY DISSAPEARED FROM MY ACCOUNT UNBEKNOWNST TO ME. AND AFTER NUMERIOUS ATTEMPTS TO OBTAIN ANY BANK STATEMENTS AND FRADGULENT CREDIT CARD PURCHASES FITH THIRD BANK REFUSES TO RELEASE TO ME MY BANK STATEMENTS ... ..AS IN NO BANK STATEMENTS XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I WAS UNAWARE THERE WAS AN INSTITUTION I COULD CONTACT TO PROTECT ME. BANK ACCOUNT NUMBER IN QUESTION XXXX. XXXX. AFTER NUMERIOUS ATTEMPTS TO RETREVE THESE STATEMENTS .... NOTHING. PLEASE HELP ME
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

Wells fargo bank XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX.This company pulled my credit report on XX/XX/2022 wituout my authorization.They told me contact credit bureau XXXX To delete the inquiry.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Both Transunion and XXXX removed a past debt that was XXXX in XXXX. Then the debt was placed back on my report without notification stating the account was verified. The XXXX copy has been sent to both parties showing that the debt is void and the continue to leave it on my report. The debt continues to be reported as {$24000.00} owed by both agencies while the 3rd agency has removed it since early XX/XX/XXXX
Consumer complaint received 2022-10-06
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX 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. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

On Sunday XX/XX/XXXX I was purchasing two tickets to an event for XXXX dollars through XXXX  When I had sent the money my number was blocked my the person who I sent it to. I tried getting it back through chase and XXXX and both could not help.
Consumer complaint received 2022-10-06
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: Financial Data Systems (NC)

Okay today - Financial data systems falsified another complaint response by tagging it a duplicate complaint. I filed a complaint regarding them sending me a threatening letter coercing me to stop disputing ( see attached ) okay so again, this has happened multiple times over the past 8 weeks - Financial Data systems is providing falsified responses to the CFPB in a cover up attempt and not having to respond to the complaint which is a serious violation that they have not responded to at all this far. More proof- the complaint number today that Financial Data Systems responded with a duplicate tag is XXXX and they claimed that that complaint number is a duplicate of XXXX which when you actually look at that complaint it is an entirely different complaint and totally different subject matter! I have copies of it all Im attaching it all here. Again this is not a duplicate- this complaint may have been submitted several times and thats only because the complaint has never been answered to by Financial data systems because they keep concealing it through deception. I have proof of them with this pattern of behavior and happening often.
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2022-10-06
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. (FL)

I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2017-10-10
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (SC)

I would like to dispute the collection attempt against me from Allied Collection this account has been reported as of XX/XX/XXXX in attempt to collect a debt. I want to dispute this action based on their attempts to reage my debt this student loan debt comes from XXXX XXXX XXXX XXXX the collection attempt was sold to collection agency XXXX and XXXX and I paid them for several years. The account was again resold back to SC student loans and I paid them from XX/XX/XXXX to XX/XX/XXXX. This year XX/XX/XXXX I received notice to collect a debt from Allied Collection they opened a new  collection under my social security number and again reaged my debt. This is negatively impacting my credit and I would like this Allied Collection attempt removed from all three of credit reports.