davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I just started a new job. There was a memo sent out company wide about the company going from a bi-weekly to a semi-monthly payroll schedule. This company wide memo was issued prior to my start date. Friday XXXX XXXX was the beginning of the semi-monthly pay schedule. I scheduled all my bills to be paid on XXXX XXXX when I realized my direct deposit did not hit my account I immediately contacted my employer then contacted Bank of America to inform them of what happened. The representative I spoke to assured me not to worry that she was going to notate my account so that these transactions are paid since since my direct was set to hit my account overnight. The direct deposit it my and bank of america returned all of the items and charged me XXXX overdraft fees with money to cover those items in my account.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FBC MORTGAGE, LLC (ME)

I talked to a loan officer in Florida where I am trying to relocate to. He advised me that the only way to buy a house there before moving was to buy it as a second home. He knew from the beginning that the intent was for it to be a primary home. He advised us to give all the money we had saved to a XXXX party to " gift '' to us, as no funds would have to come from our account. Every thing was going as he said it should until 2 weeks before closing. Underwriting told him that 5 % of the funds had to come from our account, But we had already gave all the money to the XXXX party as he told us to. We told him we could put the money in there but it would be cash, Then he advised that I sell a vehicle or other valuable item so the money we need could be sourced. He admitted that it was his mistake and when it seemed he could not fix the problem he found another item underwriting had an issue with to try and blame his mistake on. Lost all the money we had invested for appraisal, inspectors ect. We even had yard sale and sold half our belongings on the assumption we could close on the house and move in a few months. My wife who is pregnant is seeing a doctor for all the stress that was created from the situation of losing the home and loan. As I was filling out this form tried to get copies of good faith estimate and other documents the website wont allow me to veiw them.
Consumer complaint received 2015-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (NC)

I paid off a mortgage loan from US bank and they are holding the overpayment as wells as the escrow account balances for upto XXXX days. There is no reason for them to be able hold onto my funds, as they were paid in full from the new lender. This process of waiting to provide borrowers with their money and overpayments is unfair and uncessesary. I demand that these should be remitted within XXXX business days of the loan paying in full.
Consumer complaint received 2015-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (PA)

I never received the right to dispute these accounts. The early warning - notice clause of FACTA section 623 ( A ) ( 7 ) .his law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Enhanced Recovery Corporation are in violation of the FCRA.
Consumer complaint received 2015-07-01
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (OK)

On XXXX XXXX 2015 I received a settlement offer letter from Santander USA in regards to my car loan debt. I reached a settlement offer and they emailed me a settlement letter to be paid by XXXX XXXX. I called them on XXXX XXXX, 2015 and paid the full settlement offer with my debit card and it cleared my bank. Then on XXXX XXXX, 2015 I received another email from Santander USA acknowledging that my settlement was paid in full and they would be reporting to the credit bureaus. By XXXX XXXX, 2015 my credit report was hit by Santandar USA showing the my debt was " Closed '' and " Paid ''. On XXXX XXXX, 2015 I received a phone call from a third party debt collector named XXXX XXXX XXXX stating that Santandar USA sold my debt to them and they were trying to collect my old settled out account. XXXX XXXX XXXX did not show I had made any payment. I forwarded on my settlement offer and paid in full letter I received from SantanderUSA to prove that I had in fact paid and settled out that account a month before they even sold it off. I then called Santander USA to clear this up. The rep with SantanderUSA did show on my account it had been paid and closed in full and they do n't know what happened and why it got sold after the fact. They said they would get it taken care of. Then today, XXXX XXXX, 2015 XXXX XXXX XXXX calls me back trying to collect the debt once again. I explain my situation again and they then acknowledge they received my emailed letters showing I made a payment and that they did try to reach out to Santander USA about my account and they still had not heard back from SantanderUSA. I then called SantanderUSA again on XXXX XXXX, 2015 to double check on my account status and to let them know I am still getting calls from their third party company they sold my account to. They advised me again that they were going to get this taken care of and would reach out to the third party collector in regards to my account. They again verified that yes my account was settled and paid in full and this XXXX XXXX collector should not be trying to collect from me. I am filling out this complaint because after going through all the legal and proper steps to reach a settlement, pay off settlement, and my credit report being hit for closed and paid status shows how SantandarUSA has not abided under the Fair Debt Collection Practices Act.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Peace Unto You! 
All three consumer reporting agencies XXXX, XXXX, and Experian, as well any and all Consumer Reporting agencies know and unknown illegally reported to and shared directly & indirectly my consumer report. I did not consent to any persons to have access to my consumer report.
Consumer complaint received 2016-02-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (MI)

I have been repaying on my private student loans for the last 6 years and when economic hardship fell upon my family, I had defaulted on XXXX my smaller loans. The loan did get paid off but this has effected my credit score as well as my parents and when trying to talk with representatives from the private loan institutions no one is willing to talk or help take care of any of issues or terms of repayment to ease the monthly financial burden. There are no options and the debt burden on myself as well as my parents who are cosigners is effecting everything in our lives. When asked if the terms could be changed or allowed for my cosigner parents to be released from my loans after so many consecutive on time payments, the idea was completly dismissed. Its so frustrating and upsetting that there is no relief or willingness to help elevate the burden that so many people are facing with student loan debt. How are you to repay your loans when the whole system is set up for you to most likely fail, the uncertainties of life can not be managed and accounted always and its unfair for students trying to better their lives and living situations to be stifled so much from being able to live. It 's no longer just that individual persons problem it is a problem that is effecting many aspects of families as well as the economic growth of a generation that ca n't truly establish themselves.
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

We are currently trying to refinance our current mortgage to XXXX from Ocwen. We had a loan modification with Ocwen XXXX. We are not late with payments or in foreclosure. We started the process for refinance over XXXX weeks ago with Cash Call. Ocwen will NOT provide the pay off to XXXX. They have been harassing me, stating they need various " bogus '' things. XXXX requested the payoff, but they call and harass me! An example of their misdeeds ... I spoke with them XXXX XXXX at XXXX very upset because they had not sent the pay off to XXXX. The agent told me after she spoke to her " supervisor '' that they DID indeed have a copy of that appraisal and the pay off would be sent to XXXX XXXX within 3 days. Come to find out someone at Ocwen cancelled the request for pay off the evening of XXXX XXXX, because they " could n't reach me to get authorization for the pay off ''. I had just spoke with them the day before! They assigned me to XXXX XXXX XXXX XXXX XXXX XXXX X XXXX. They keep with these types of games. An appraisal was done within the past 6 weeks. They are trying to make me pay for another appraisal by THEIR company. I have sent color copies of the appraisal and XXXX has ALSO sent color copies of the appraisal. I have just received another call from an appraiser from Ocwen today. They are breaking the law by withholding the payoff to XXXX XXXX. We have a right to refinance. They have all the documentation they need and are still playing games and breaking the law. We want our pay off to XXXX XXXX ASAP and litigation brought to Ocwen for their continued misdeeds and breaking the law.
Consumer complaint received 2016-01-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I have been working for over 2 days to speak to someone who can help resolve an issue. I have been told several times that the procedure to so have someone call me back. So far no one has ever called back, when I call I am just told that the procedure is to put in for a call back and we go through the same drill again. I am concerned about the lack of resources to escalate any issues. The issue stems from being given incorrect information from a customer service rep. At this point I have lost complete trust in them to give correct information, or to return a phone call. We are going on 72 hours with this at this point.
Consumer complaint received 2023-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Revolution Financial Inc. ()

XX/XX/2023 paid XXXX via bank transfet after thinking I was hiring a escort via a website after I found it wad a scam I immediately contacted the bank and logged a fraud claim with all the evidence they also confirmed it was fraud but will not reimburse the money or can't collect from the scammers account
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (FL)

My XXXX credit accounts where closed abruptly without notice I called in spoke to the security team member by the name " XXXX '' He confirmed that all my account where closed He offered to review my account but he would have place me on hold 3-5 mins he came back and told me unfortunately would they would stay closed, he gave me no options The reason given was " not enough credit on credit file and " too much credit extended '' He also said my account activity raised concerns!! 

I feel bullied, I did absolutely nothing wrong. 

why did chase extend credit to me in the first place. 

Why did n't they just decrease the amount of credit given. 

Im just left with nothing, not XXXX of the account where past due I was gon na pay each line in full this friday. 

no balances where gon na be carried over into the following month I have a XXXX income from being re seller on XXXX XXXX helps me better maneuver during a 30 day period I was n't even given the chance to pay the bill The security rep was very nasty and smug.he laughed when I explained that I would fight this unfair treatment he seem not to care that I 'm homeless with XXXX children under XXXX my credit rating will be destroyed due to XXXX closed account with short payment history. 

I moved up to XXXX to be by my sick mother but now I do n't have enough credit to maneuver each month. 

Chase allows XXXX credit line in 24 month period and extended the max too me so why am I being penalized for something when i did nothing but utilize the credit extended. 

Can someone on the executive level please review my account and re-open my account. 
I can submit financials, identity document, etc.
Consumer complaint received 2016-02-03
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (NV)

In XX/XX/XXXX we took out a reverse mortgage with Financial Freedom, everything went well until my husband was diagnosed with XXXX XXXX XX/XX/XXXX. He was in XXXX from that time until XX/XX/XXXX when he passed away. I had trouble trying to adjust from XXXX incomes to XXXX. About 6 weeks later I had found a job, but on XX/XX/XXXX. I was walking near my home when a car came speeding around the corner and hit me as I was crossing the street. XXXX and I had to have XXXX plus other complications. During that time my home insurance was canceled because because our hot water heater went out flooding the garage. The insurance company decided that the law of probablities stated that we could have another incident after 7 years and they cancelled the house insurance. I immediately contacted another company and put the same insurance back on my home. I set up the payments to come out of my checking account. In 20 minutes there was new insurance on my house, What I did n't know was that Financial Freedom had turned down the new insurance that was just like the original insurance and they had chosen to replace it with their own coverage which was twice the amount I was paying. I was unable to see what was happening and after several months there was a huge bill building up. So I tried again with a XXXX XXXX and the same thing happened. I am back on my feet and paying. I went to pay the taxes and they had already paid them! They never contacted me. Now I have an outrageous bill. XXXX. They are foreclosing by XXXX. ; For that amount of money I loose my home which I planned on living in til I die! I want an opportunity to pay them back and they have declined unless it is for the whole amount. Also the insurance payments should be charged at a normal rate.
Consumer complaint received 2016-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (CA)

Good Morning, My issue with this company was that in XXXX XXXX I signed up for their web hosting service. During their whole pitch it was n't mentioned that XXXX was tied to a one year contract. Well XX/XX/XXXX I was told by superlative that it was a one year contract by XXXX XXXX, the person that came to XXXX pitching his horrible web hosting service. So I tried cancel ; ling it the following month which was the anniversary month in XXXX XXXX. I left 2 voicemails and an email!!!! Thinking they had honor the request and I did as I was told, I was still charged the following month. They refused to grant my request!!! Then they kept charging be XX/XX/XXXX until I finally cancelled my card in XXXX XXXX. They kept calling me and harassing me. I told them I canclled them back on anniversary date which was XXXX XXXX but they refused to honor it. I then got a bill for {$100.00} on XXXX XXXX XXXX. A year way too late in which they finally agreed to cancel my contract. They decided to take it upon themselves to cancel it on their terms. I was told by their debt collection agency it was a 2 year contract now not 1 year like I was told by XXXX XXXX. This is outrageous and if you look them up on XXXX there are a ton of other victims of this horrible business practice. I am getting hit on my credit report for this injustice. I have warned my fellow agents about this horrible company. This company sent me emails in the spring of last year telling me I had to pay. I told them I could n't afford it anymore and was n't getting any results from their service. They threaten collection so I had to beg for an extension to pay for XX/XX/XXXX for a service I was n't using cause they supposedly did n't get my request. But I should n't have to pay for something I cancelled on my anniversary date on XXXX XXXX. The Collection agency transworld system has been assigned to this. They already hit my credit rating and I have yet to receive this supposed invoice that I owe. I will submit the final letter from Superlative stating that they were sending my supposed debt to Transworld Systems Inc . Prior to that letter they tried to blackmail me for a partial payment on an email for about XXXX dollars. I can FWD that email to the person ( s ) that will be looking into this. I will just need an email address to send this blackmail email. This has been so stressful and very uncalled for..
Consumer complaint received 2015-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (TX)

I have a negative acct on my credit report from AFNI a debt collection agency. The original creditor is XXXX XXXX XXXX. I have disputed the date with XXXX 3-4 times now. I have called AFNI concerning the date and was told they do n't have records of anything more than my personal information and the amount of the debt. I have been told the time of the debt on the credit file is XXXX yrs from the date of last payment. I have a past due bill from XXXX XXXX XXXX dated XX/XX/XXXX but AFNI has challenged each time listing it as XX/XX/XXXX which is when I believe they purchased the debt. I have been dealing with this for about 6 mths now.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the charge-off account listed below, which I believe is reporting inaccurate information under my credit report maintained by TransUnion. I am requesting that you investigate this matter as required by the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2015-07-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (NY)

I requested a co-signer release from Navient on a XXXX year old student loan and they claim I still do n't qualify. My cosigner is in poor health and needs to be released. If you look at their pre-qualifying requirements. I XXXX have had a stable job making over {$90000.00}, I have XXXX completed all of my programs. I am not in default, I am not a payment plan with them, more than half of my credit cards had XXXX balances at the time they pull my report and my federal loan are in the process of being consolidating which do not impact this loan in anyway. I have not missed any payments of this loan either.I meet all of the qualifications. They claim that after XXXX years and paying the loan for the last XXXX on time that I do not qualify. They first stated in a letter I received in XX/XX/XXXX that my income was insufficient,. I told to submit more documentation regarding my income and when I did that they came up within even excuses. They claimed to have a dispute committee but it never made it to this supposed committee which does not exist. hen after I demonstrated that the my income XXXX {$100000.00} year annually XXXX was more than sufficient then they stated XXXX other things in my credit report that were not accurately. I called to speak to a representative who was not polite and who claimed my large federal loan which has nothing to do with this loan was too big and I needed to pay that one down significantly first before they would consider releasing my cosigner. They continue to make it every excuse to keep my cosigner tied to this loan. They have now issued a letter detailing what they claim was in my credit report to my cosigner with out my permission and violated my rights and confidentiality as again they are trying to make the case that I do n't qualify even though they state that credit is not entirely of their decision and again I meet all of their other criteria. Some of their reps have any made statements that they would go after my co-signer 's estate. The claim about going after her estate was made in a phone in XX/XX/XXXX and was stated in several calls over the last 2 years while getting trying to get her released. They even claim in a letter that I did not make XXXX consecutive payments and have made the payments. They refused to take me out of their deferment when I asked them not to defer my account and refused to give me a regular payment amount. They kept making the claim that my account was paid up. Their practices are illegal and unethical and they need to release my XXXX year old cosigner from this debt that she will never have the ability to pay. They violated confidentiality as they had no right to disclose to my cosigner anything that the claim was in my credit report as I requested the co-signer release and I filed the better business report. This continues to mislead the cosigner, her family and creates more conflict on trying to get her released.