davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (FL)

As part of my Health Care Plan for 2015 with my last employer, I opened an HSA Account, which is with HSA Bank, subsidiary of Webster Bank. I enrolled for electronic statements and here is where the problems started. I have not been receiving my statements, including the alert informing me that my statement is ready for viewing/download. When I log into my account online I see the activity on my account including the monthly service fee, but when I click on the Statement Tab to view my statement no statements are available. I have called customer service each time and I 'm told the same thing, it 's a problem with the " new '' system. Once on XXXX XXXX, 2015 I got a secure email to access my missing statements for XX/XX/XXXX thru XX/XX/XXXX. I called again in XX/XX/XXXX about my statement and was told again it was due to system problems that they are working through and they would email me the missing statement. I never received that email. I called again today, XXXX XXXX, 2015, after going online and finding the statements were still not available. Only to be told the same thing ... .system issues. I am missing statements for XX/XX/XXXX through XX/XX/XXXX. However, as usual my account is being assessed a monthly fee. 
I know based on my other bank accounts, including my previous HSA with another employer, that I am required to get statements monthly and a notice when an eStatement is available with a link or instructions on how to download the statement. I am at my wits end and as a last resort is reaching out to the CFPB for help. I Appreciate any assistance you can give me to resolve this issue. I have requested the customer service representative escalate the issue to a superior, which she said she would and I am waiting for a response but since I never received follow-up the last time my expectations are not high that I will this time.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2015-07-08
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I 've had this Bank of America credit card since XXXX. This is the ONLY card that my wife and I have that does not have the ability to setup payments online to pay the minimum payment each month automatically. Instead, it requires that you declare a payment amount to make automatically each month. Since we did n't use this card often, years ago, I set it to pay {$50.00} per month believing that it would easily cover the minimum payment and then some if we did decide to use it. For literally years that assumption held true. This XXXX, purchases were made that resulted in the minimum payment being greater than the {$50.00} that was setup previously. As soon as I realized the problem, unfortunately in XXXX of XXXX, I payed the overdue balance, and contacted Bank of America to attempt to have my credit report corrected based on several limitations on their part : First, we NEVER received supplementary contact to indicate a problem. It is true that I did sign up of paperless statements in XXXX, and I routinely do not check those statements because I rarely use the card. If there were a problem, I had expected Bank of America, like ALL of my other creditors do, to attempt to contact me to indicate such. NO phone calls or letters were received to indicate a problem with the account. 
Second, this is the ONLY account that we have that does not have an option to pay the minimum payment each month on their online bill payment system. Coupled with a lack of communication from the Bank, it would seem to me that this situation was engineered to make money for the Bank through the generation of late payment and over limit fees. 
I submitted requests to Bank of America several weeks ago to make the requested adjustments to my credit report given my exemplary history with them spanning a decade, the above described limitations, and my immediate payment to bring the account current on the day that the problem was finally brought to my attention. When I called today to follow up on the issue, I was notified that my request was denied. I asked them to reconsider my request, and to escalate my request beyond the department that had made the decision to deny my request and was told that was not possible. At that point I cancelled my account with Bank of America and notified them at the same time that I would be making a formal complaint with the appropriate consumer protection agencies.
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

On XX/XX/year>, I requested that MOHELA either reissue the missing check from XX/XX/year> for {$650.00} or credit my account with the payment and they have done neither. I have also contacted FSA regarding this matter on several occasions and nothing has been done.
Consumer complaint received 2015-07-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MI)

Mortgage originator sold my mortgage to U.S. Bank, I had already made my first payment to Mortgage XXXX, the originator, the next payment is due to US Bank, which I could not setup an electronic payment for the first payment, hence my need to send a check. Although payment is due on the XXXX it is not considered late until the XXXX. I mailed a check on the XXXX of XXXX and on the XXXX of XXXX I received a call from US Bank 's collection department looking for payment, a payment which was already sent! As I understand, the law states a creditor must provide a letter in writing if a customer is delinquent, as I have already made my payment and am still within the grace period why I am being harassed by collections? I suffer from XXXX and had a severe XXXX XXXX because of this call!
Consumer complaint received 2015-07-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NC)

I have requested validation from Enhanced Recovery Company and the letter was delivered XXXX XXXX, 2015. I have not heard from the companies nor have they bothered to validate or remove the invalid debt from my credit report. 

This is now damaging my credit making it harder to secure a mortgage. This is criminal behavior at best and without proving that I owe a debt after requesting evidence, how are they allowed to continue to damage my credit and good name without punishment?
Consumer complaint received 2015-07-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Got an auto loan in the amount of XXXX paid down to XXXX car was repossed and sold, now they 're saying I still owe the XXXX. They took this matter to court, now I have to make monthly payments of {$100.00} until paid in full, and still do n't have the car
Consumer complaint received 2015-07-08
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TMX Finance LLC (AZ)

Title Max in XXXX has made numerous attempts to collect a debt owed to them by a woman with the same name on a vehicle I do not and have never owned. The only commonality we have is our names. She has a different birthdate, address and last XXXX numbers of her social. They have left notices on the rental house I own and a family members address which I do not live at. After speaking to them ~6 weeks ago I was assured that they would remove my addresses from their system and I would not be bothered again. 
Today a tow truck company they subcontract showed up to the house I rent and live in to collect the vehicle. " XXXX '' in XXXX claims they got this address from Title Max. I spoke with Title Max again and they claim they do not have my current address anywhere in their system and they do not know how XXXX got it. 
At this time I am being continually harassed by Title Max and their subcontractors over a debt I have never had with them. I believe they used my name and Google to try and find the woman who has outstanding debt with them. I am concerned that they will show up to my place of work or other family member addresses and continue to harass me. 

Title Max in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXXPhone ( XXXX XXXX XXXX
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MN)

I have disputed a XXXX credit card about XXXX to XXXX time with experian and XXXX I have also informed them that this account does not belongs to me. and got no place now XXXX is now reporting that the account is paid as agreed I dusputed once again asking them to investigate the account that I have no knowledge in what so ever also asked them to provide proof of who is making payments on this account but once again they both replied back to me as the account belongs to me. I mean in all fairness experian and XXXX should be able to provide me whatever result that XXXX provided them which to verify this account! I have file a complaint with the office of comptroller of currency on XXXX. I feel if the credit reporting company have said that they have investigated this they should be able to provide what type documents was use to verify this account in this case in which i have asked both reporting agencies at the start of their investigation was to provide me proof of any cashed checks, money order or whatever method of payments thats been used. both keep replying back that the account was verified and belonging to me. I have asked them verbally and in certified us mail to please send me copies and all I get is a verify as belonging to me. I want answer or my next step with to contact an attorney at law ... ..
Consumer complaint received 2015-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ResidentCollect, Inc. (GA)

I received a phone call from XXXX from XXXX, ext XXXX. He left a vm message stating it was an attempt to collect a debt. I returned phone call. The collector stated that he was collecting a debt from XXXX from 2008 in the amount of {$210.00}. I have never received a letter or anything regarding this debt, and then 7 years later a phone call to collect the debt that 's clearly outside of Georgia Statue. I have not received any documentation, letters or correspondence from the apartment complex and 7 years later. This debt is bogus and I advised him to not call me again. He refused and stated it had to be in writing. Well, I never received a letter to dispute the bill initially ...
Consumer complaint received 2015-12-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (TX)

Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX XXXX XXXX XXXXXXXX XXXX XXXX, texas XXXX To Whom it may Concern Regaurding a car loan ( acct # XXXX ) in the several year I have had this loan due to economy and work I contacted Santander serveral times and get this loan refinaniced or to low the payments. When this avenue was not going to avail anything On XXXX XXXX, 2015, I called Santander for a volintary reposession. 
At that phone call I was informed that call could be recorded which I had no problem with, and was told that to complete the volintary reposession they would HAVE TO MAKE A RECORDING, I informed them that I too would be recording the rest of phone call, I was promply hung up on. I also sent a written message to the ONLY ADDRESS I had which the bill paying address. 
When no atempt was made to pick up car I called Santander in the beginning of XXXX SEVERAL TIMES, and because of their failure to accept voluntary reposession and that extra fees would be applied. I told operators at Santanders that I would be recording calls to prove my request. Each time I was told I could not and hung up on, I even tried several times to speack with someone about the policy that they record calls and that their policy to even get a voluntary reposession IT WAS REQUIRED THAT A RECORDING of myself but that I could not record their calls. I was refused an explaination and was denied to speack with any supervisor. 
After several attempts to clearify this matter I report this UNFAIR policy, and pracitice I tryed to report unfair business practices to " Texas XXXX of XXXX XXXX XXXX ''. I was informed that Santander accknowledged that I did try to ask for voluntary reposession and that the policy of recording was not done so that they refused to accept request, and that Santander also recived the written notice to reposess car, but that it was sent to their contracted assosicates! These accknowledgements prove that they are violating law and that they consider their policies surpercede law. These accknowledgements also prove that they feel consumers have no rights and that fair policies for them supercede FAIR BUSINESS PRACTICES. The OCCC of Texas stated that they do not have jurisduction of unfair busieness practices and that I should report claim to federal trade commission and that OCCC can not deal with Santander 's company policy. 
They have harassed me everyday and several times a day concerning making a payment and added illegal fees since XXXX XXXX, 2015. Each time they call I inform them that AS THEY DO I am going to record the call and each time they refuse to continue and they terminate the call. Since they have violated Fair practice and have refused to accept reposession after they accknowledge notice, I want this harassment to end and for punitive damages that my account be cleared and they stop reporting any issues to my credit report.
Consumer complaint received 2015-12-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P. (MD)

I had an account with XXXX XXXX XXXX that was paid in full. I had in the past trouble with people using my information without my knowledge. I have contacted XXXX XXXX XXXX and had my account closed a few time. I recently received a notice in the mail from a debt collected stating that I owe money to XXXX XXXX. I told the debt collector that this is a fraud account in my name. I also stated with them that I had in the past a account with XXXX XXXX that was paid in full and closed. The collection agency stated that they will contact XXXX XXXX to have this removed.
Consumer complaint received 2015-07-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PMAB,LLC (NC)

PROFESSIONAL MED ADJ BUR is trying to collect {$430.00} & {$260.00} from when I was pregnant and had XXXX. I have given them my XXXX card # and told them that I have medical assistance then.
Consumer complaint received 2015-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (FL)

PDM ( Professional Debt Mediation ) send me letter XXXX XXXX, XXXX that my account with XXXX XXXX has been referred to them for collection and I need to send them {$78.00}. The bill from XXXX XXXX ( another name XXXX XXXX was {$31.00} and was paid upon receipt by check # XXXX XXXX/XXXX/XXXX and cashed by company XXXX/XXXX/XXXX. there was a typo with year on check, but company was able to cash it. XXXX was informed ( copy of the check both sides and bank statement was provided by fax, mail and registered mail as well as PDM. Last time PDM was informed I have an attorney to present me and requested not contact me but they still sending me letter, last one XXXX XXXX, XXXX.
Consumer complaint received 2016-03-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (WA)

In late 2010 we opened a car loan account with BMW Financial after paying by mail for a number of months, we contacted customer service at BMW Financial to set up our auto-pay. They walked me through the process, i specifically asked if I need to make an interim payment and they said no. 33 Days later I just happened to check my account, because i had not seen money removed from my bank account. i contacted BMW directly and they said I was late 33 days and needed to pay for the missing payment during the transition period. They also said although it was technically beyond 30 days, that they would not report it as late due to the circumstances. I did not realize that they had reported it as late until months later after applying for a home loan. The account was paid off entirely and they have been unhelpful in my efforts to remove the erroneous report from my credit.
Consumer complaint received 2024-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (CO)

Below is the email I sent them detailing my issue, and they have not been responsive : Dear Fay Servicing Team, I hope this message finds you well. I am writing to formally request a review and adjustment of the default interest charges applied to my mortgage account ( # XXXX ). 

My loan was in default up until XX/XX/year>, at which point it was brought current via a wire I sent for {$2900.00}. 

However, I noticed that default interest continued to accrue and was charged up until XX/XX/year>, when the loan closed. I believe this additional interest charge was applied in error, as my loan status was no longer in default after XX/XX/year>. 

I kindly ask that you review my account and adjust the charges accordingly to reflect the correct default interest period. I would appreciate it if you could provide a detailed explanation of the charges and confirm the adjustment once it has been processed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2016-02-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

My mortgage was originally With XXXX XXXX, then sold to XXXX, sold to XXXX and then sold to Bsi financial. Bsi financial does not answer their phone, return calls, and they lose documents submitted and Certain departments of BSI do n't even see me as a consumer. I keep submitting that I have insurance on my condo and when I call the insurance department of BSi they say no loan exists in my name. I could be making payments and sending my information to where? Also my interest rate keeps increasing every year. I can not afford this and when I submit paperwork they tell me it 's not valid or expired. I do n't want to lose my home. Today I waited 2.5 hours on hold and then a message came on to leave a voicemail ( I have done so and emailed but never hear a response back ). 
I was also told that my person of contact is a XXXX XXXX, I have called him, left messages, to no avail since XXXX. I can not connect with him. 
Something needs to be done.
Consumer complaint received 2015-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CMI Group, Inc. (ID)

I have recently discovered that XXXX XXXX has reported a delinquent account to my credit report in the amount of {$250.00} in which they state on my report that they are the original creditor and that the account was opened XX/XX/XXXX. There was no such account opened in XX/XX/XXXX. The original creditor was XXXX ( and XXXX is no longer in business ) in which the account was sent to collections in XX/XX/XXXX by XXXX. XXXX XXXX failed to have ever send me a debt validation notice 15 U.S.C. 1692g They have further falsified information on my credit report stating that they are the original creditor and that the account was opened in XX/XX/XXXX, this is simply not true.
Consumer complaint received 2016-02-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

want to cancel my membership and am unable to do so. I work for the Federal Government and they recommended I request a free credit report through XXXX. I signed up for through this website XXXX and did not receive any information on how to cancel membership. My bank is being charged {$17.00} a month by TU TransUnion and I want it canceled now. TransUnion said they have no record of my account but their name shows up on my bank statement for the draft. If I do not hear back from Annual Credit Report, I will report this as a fraud to all credit reporting agencies and XXXX.
Consumer complaint received 2015-07-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I filed bankruptcy XX/XX/XXXX with discharge. XXXX XXXXAlly bank wrote in CFPB complaint XXXXXXXXWhat appears to be a violation of the bankruptcy stayCar was reaffirmed VIN XXXXIt appears Ally bank took car without permission during bankruptcy stayThis is my first knowledge of any action XXXX XXXXTo my knowledge all action stopsAppears I was taken advantage of with a clear disregard to the bankruptcy stayNo proof of claim or relief was applied for by GMAC/Ally BankGMAC/Ally did not appear at creditors meetingGMAC/Ally provided 100 % percent interest to me
Consumer complaint received 2015-07-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I am a XXXX who needs access to a statements from a closed joint checking account held with Bank of America. EVEN WITH the " letter XXXX '' given bank of america on XXXX XXXX, 2014, they refuse access XXXX. The bank contends they do n't have the document even though it was used to close the joint checking account and open a " guardianship '' checking account. They are requesting documentation again to review and see if they can grant access XXXX for his closed joint checking account which will be thru XXXXXXXX, I am asking for immediate electronic access to the closed joint checking account in preparation for interrogatories and his pending divorce. XXXX Hence, the reason for a court appointed XXXXguardian.