davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

late payment XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late payment XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX late payment XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX not my account NOT my account opened fraudulent XXXXXXXX XXXX XXXX Not my account opened fraudulent XXXX XXXX XXXX  Not my account opened fradulent
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (CA)

We have used Nationwide Bi-weekly on our 1st mortgage since XXXX XXXX and our 2nd mortgage since XX/XX/XXXX. We just received inthe mail the letter saying they are suspending service on our 2nd mortgage,, we still have notreceived a letter for our 1st mortgage, I have made several attempts toget out of the Nationwide Bi-weekly since this incident has occurred andonly left us 30 days to make our mortgage in full. I want all my fees I had to pay up front to come up with for this service to be refunded to me along with any on-going fees, since they no longer are providing the service I signed up for. I will make my own payments to my mortgage company. I have emailedthree times, with no response. I have called daily and just get anautomatic message. How are you supposed to completely get out of thisservice when there is no way to contact anyone?
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

We had a mortgage with Bank Of America. It was transferred to XXXX effective XXXX/XXXX/2015. I just checked my credit reports, and discovered Bank of America has reported us 30 days delinquent for XXXX 2015. After spending 2 hours on the phone, I was sable to clarify their rationale for our reported delinquency. Our mortgage payment had been XXXX. We paid that XXXX/XXXX/2015 and BoA confirmed receipt. However, BoA says they reanalyzed our escrow in XXXX and discovered our real estate taxes had increased. They claimed to have sent us notification prior to the XXXX XXXX payment due date to this effect. We have no record of this letter. BoA reanalyzed our escrow a second time in XXXX, and sent us another letter dated XXXX/XXXX/15 informing us of this and advising our new payment amount was {$1500.00}, effective XXXX 2015. We interpreted this to mean our XXXX payment was the same as previous, and that our increased payment began in XXXX. We paid our XXXX installment XXXX. We then received a notification form BoA advising us our escrow was short {$170.00} due to the real estate tax increase. We made that payment XXXX via check. the check was cashed. We then made our XXXX payment for {$1500.00} on XXXX XXXX. Now, BoA claims we were technically delinquent in XXXX. They ca n't adequately explain why.
Consumer complaint received 2016-02-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

XXXX, headquartered in XXXX, Pennsylvania, merged with First National Bank. Following the merger, online bank statements prior to the effective date of the transition ( XXXX/XXXX/16 ) are no longer available.
Consumer complaint received 2016-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

I applied for a mortgage and was told Experian reports XXXX judgements : 1. XXXX County. XXXX {$15000.00}. XXXX XXXX XXXX XXXX. XX/XX/XXXX 2. XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX . XX/XX/XXXX I have never resided in XXXX County and have never heard of XXXX XXXX XXXX XXXX. These do not belong to me and because of the mistake I am denied a mortgage!
Consumer complaint received 2015-12-08
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (VA)

I have a deferred transfer balance which is due XXXX 2016, with no interest due until expiration of the deferral period. Howver, Chase is charfing me interest on new purchases, even though I pay those charges by the due date. They say that carrying a deferred transfer balance causes interest to be due on new purchases until the deferred balance is paid off, even though it is not due until XXXX.
Consumer complaint received 2015-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (GA)

I started a review for a modification with Caliber on XXXX/XXXX/2015. I was still in review for the modification on XXXX/XXXX/2015 with all documents that had been requested submitted to them and nothing additional was needed. My authorized XXXX party was informed by an agent at Caliber named XXXX XXXX, that my file was declined with the reason of an upcoming sale date in less than 15 days! They did not allow for a complete review and just closed by review simply because they wanted to foreclosure. This is not a valid reason for denial of a modification review that started in XXXX! Not only that but the representative XXXX stated on a recorded line to my XXXX party that they have pulled that " the client can not do anything at this point besides reinstate the loan and no one can help them. '' Then when he was reminded that this was a recorded line he hung up. PLEASE HELP!
Consumer complaint received 2015-12-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have disputed this account three times and they continue to verify but not validate according to the information requested in my initial letter, which to my understanding I have a right to request that all of these questions be answered. I am enclosing the last correspondence which shattered my faith in this company when I found another consumer 's credit information included in my mail and I believe in retaliation this company immediately added this account to my account again which caused my credit score to go down again. I think there aggressive behavior and the consistent letters stating they are concluding their investigation without providing the information I requested is intimidation. 

Please help. I am really stressed out over this company. 

XXXX XXXXAttachments : enclosed
Consumer complaint received 2015-07-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Corporation of America (TX)

Per the attached letters dated XXXX XXXX, 2015, I had previously contacted XXXX of Texas questioning charges. I received a letter XXXX attached ) in return dated XXXX XXXX, 2015 stating that they would review my concerns and that they would respond within XXXX business days. I did not receive a response from them. Today I received a letter dated XXXX XXXX, 2015 from Financial Corporation of America, the collections division of XXXX Texas, again demanding payment, without any of my concerns being addressed.
Consumer complaint received 2015-03-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Accelerated Financial Solutions, LLC (KS)

I recently disputed a claim on my credit report last month about a company called Accelerated Financial Solutions who had turned in a bad credit on my report. They had that the original creditor was a XXXX XXXX XXXX. for XXXX {$.00} I do not know who these people are and have never heard from them before. So the credit bureau was looking into this and undoubtedly contacted them. I get a letter today XX/XX/XXXX telling me that I owe these people this letter is from them so I called them and talked to a person which unfortunately I did not get her name but I called to tell them that I was disputing the claim and she asked me if my last XXXX social security # was XXXX and I said yes then she asked me if I had had an account with this certain bank in XX/XX/XXXX. I told her yes I thought I did at that time. She then preceded to tell me she was a debt collection company and that they were trying to collect a debt that I owed in XX/XX/XXXX from this XXXX XXXX. I told her I had never had an account with this company and that no deposit of XXXX dollars was made into an account on XXXX XXXX for me from a loan. I also told her that just because she had the name of a bank I had banked with and my social security number did not prove that I owed this money that you can get that information off of the internet on sites that you look up background information on. She then informed me that unless I send them my statements from the bank to PROVE to them with in 30 days the debt would stand and they would not take this off my credit report. I thought the law stated they are the ones who had to prove the debt was owed and also had to supply me with the original creditors. Then on top of everything else they actually have this on all XXXX credit reports listed XXXX times under XXXX different account numbers and after I got off the phone with them I called my bank told them what was going on and they have supplied me with those statements and no where on the statements does it show me having a deposit of XXXX $ It shows my XXXX check going through but that was a totally different amount. It also shows that before my XXXX check went through I was over drawn and when the deposit came through it showed the overdraft being taken care of it also does not show a amount being debited or credited for that amount on or around XXXX XXXX of XX/XX/XXXX
Consumer complaint received 2015-04-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NY)

I attended XXXX XXXX. School of XXXX and graduated in XXXX. The legal industry has not recovered from the recession. I am employed full-time XXXX in New York XXXX. I make {$65000.00} pre-tax, annually. I make {$3400.00} a month, post-tax. 

I borrowed from the New Jersey Higher Education Student Assistance Authority. When I researched and signed this loan ( really, XXXX separate loans ), I was under the impression the company was affiliated with the State of New Jersey, and as such, would have a loose enough affiliation with the Federal government such that it would be subject to Federal repayment guidelines. Total amount borrowed : {$180000.00}. 

The total monthly repayment amount of my NJ HESAA loans is {$1500.00}. On top of that loan, I also borrowed roughly {$80000.00} in Federal loans. My Federal loans have been in deferment/forbearance ( for XXXX and most of XXXX ) and until recently, IBR ( for most of XXXX, XXXX and barely XXXX ). I have been advised that my IBR Federal loans have expired, and was asked to re-apply. I did, and was recently informed by Nelnet ( the Federal loan processing company ) that I did not qualify for IBR. As such, Nelnet expects me to pay {$800.00} at the end of the month. 

HESAA, after repeated and courteous requests from me, refuses to offer ANY repayment cooperation. From IBR, deferment, reducing interest rates, NOTHING. 

I am youngish ( XXXX ) and fear that I will never be able to crawl out from under this rock of debt. 

I am writing to put CFPB on notice that NJ HESAA is a predatory lender and should be treated as such. Thank you for reading and for your time.
Consumer complaint received 2016-02-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (TX)

Went to make deposit on bank ATM. I was trying to make deposit cash in the amount of XXXX. After posting XXXX cash the ATM end up in error and denied me to make more deposit and did not giving me receipit for XXXX or post the money to my account. I called bank and report error for ATM and bank respond that my found will be available in next 5 business day. Today is 7 days and bank did not refund money yet and every time I call I get different answers.
Consumer complaint received 2015-10-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NJ)

I am being wrongfully charged {$200.00} from this collection agency on behalf of XXXX. I have spoken to XXXX and they have no recollection of this account. It appears someone is opening accounts without my knowledge. This account is on my credit report and affecting my credit score, I am requesting it be removed as this is NOT my account. I have never opened an account with this company and do not owe them money. I am being charged {$200.00} through the collection agency ENHANCED RECOVERY COMPANYXXXX XXXX XXXX, XXXX ( XXXX ) XXXX have tried contacting this agency to no avail.. I did not receive any notices until I checked my credit and saw this charge on it.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

I have repeatedly been denied access by all XXXX major credit bureaus for my free annual report ... I submitted ALL of the asked for documents to receive my credit reports from all XXXX agencies : XXXX Experian XXXX XXXX XXXX ... .I have not received a response at this time, or a report XXXX XXXX XXXX XXXX I received a response from Experian stating that they REFUSE to send me my credit report, after they received a copy of my Driver License, a copy of my Social Security card, a copy of my mailing address on a cable bill, and years worth of address history, date of birth, full name. By law they MUST give me a copy of my credit report. Please Intervene. Also, I received on XXXX XXXX, 2014 dated an " incorrect reporting '' copy of a credit report, not my actual positive file, XXXX, and the report stated a FRAUD ALERT on my file ... which was never put there by me. Please assist. Thank You.
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

My husband got hurt at work 3 years ago. We have had a hard time keeping up with payments. I have started to work to help out but our payments are behind. We dont dispute that we are doing the best we can and are almost back up to date on payments. The problem is that they will call us XXXX times a day when they know we are at work and not able to answer or phones. When we do answer the phone they are always rude and telling us how what we are doing is not good enough and we just need to move out. We have been told many time that they are about to forclose and they leave this on my husbands voice mail after we told them he didnt have that number any more in hopes to cut down the calls to his number. It has got to the point that we dont want to answer the phone at all to talk with them just to be told we are not good enough and that sending our whole paychecks in to them isnt good enough. The company is Ditech. If there is something that can be done please help us. We are at our wits end with them.
Consumer complaint received 2015-07-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: RFNA, LP (SC)

I received a loan from XXXX XXXX XXXX in XXXX SC. I was paying my loan faithfully. I also had insurance on my loan. In XXXX of 2014 I had to have XXXX. I turned in all paperwork that was needed to cover the loan under the insurance program. I checked my credit a few months later and the lady at the office told me that it was going to report negatively since the insurance company takes a while to send them the checks and they cant report till the actually receive a check. 
That is not fair to me, the consumer. I followed all of the rules, turned in all paperwork on time and had my dr statemts when they were due. I am being charges additional fees due to the insurance company being late with payment.
Consumer complaint received 2016-02-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I 've been a member of USAA since I was a XXXX in 1988. I started banking with USAA about 5 years ago. My complaint is they charge {$25.00} overdraft fees even though I had sufficient funds available the day the transactions posted and were recorded on my on-line bank statement. I had XXXX OD fees of {$25.00} each charged in XX/XX/XXXX for transactions as low as {$3.00} and no more than {$37.00} and it was only a matter of hours before funds were available as deposits arrived the same day the fees posted on my account. This is a gross example of loan sharking. Transactions are authorized, posted and cleared in a manner that favors the banks and hurts the consumer and makes the bank money via fees. They should n't be allowed to charge {$25.00} to loan {$3.00} for a few hours. This is predatory lending at its worst.
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has engaged XXXX XXXX as her official Housing Counselor to submit this complaint on her behalf. Around XXXX XXXX XXXX contact Select Portfolio Servicing ( SPS ) the mortgagee who is the current servicer of her account. In order for them to quantify her for this special program for homeowners living on a small budget and can longer afford her home due the high interest rate of 10.75 %. This program is entitled XXXX XXXX Relief Program that allow homeowners to keep their homes under a paid in full settlement. Without any other cost to them. When she started reaching out to SPS she was current on her loan and was seeking an answer before the end of that first month never happen. After she had and requested that she be considered for this special program. This how the program works, after producing the required documentation the underwriter will closeout the loan. After XXXX XXXX faithfully submitted everything they ask for, now SPS is refusing to accept her income statement concerning her small pension of nearly 20 years to complete the transaction. They have inform us that they will not and can not accept the bank statement where both her XXXX is been deposit. She had inform SPS that the company only gave her a statement of of what her monthly pension will be and the company is refusing to send her any more statement concerning her pension, after informing SPS they are totally denying and workout option for her. They are using her pension as an excuse in order to keep her loan current rate as it is and force her into a foreclosure. This a predatory lending practice which violate Frank Dodd Predatory Lending Practice Act and Discrimination under The National Fair Housing Act. We are refusing to allow SPS to keep abusing Senior homeowners from practicing this negligence and unsound deceptive business practices. Please help.
Consumer complaint received 2016-02-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Summit Financial Corp. (IN)

I opened an auto loan in XXXX XXXX with Summit Financial. They just set up a website for the company about 4 months ago. I logged on to pay my account last month. The billed stated that my payment was {$430.00} + {$110.00} miscellaneous fee= {$540.00}. I paid that amount. This month I check my online account only to see that This month 's payment included another {$110.00} miscellaneous fee. I called Summit to find out what this miscellaneous fee is and she explained that the {$110.00} was not being charged each month. It was for XXXX NSF fees that were applied to my account in XXXX. They are continuously charging interest on this {$110.00} even though I made a payment which was more than enough to cover it. Instead of applying my overpayment to eht {$110.00}, they have the funds " set aside '' for me until I have enough extra month to make a full payment. They said that I have to " request '' the money be applied to the miscellaneous fee. Also, this company just recently started sending out statements within the last 9 months. Before then, I had no way of knowing what is charged and what is due. I believe this company is unfairly collecting interest by keeping consumers in the dark in regards to this " miscellaneous '' fee collection and interest accrual. I have requested a copy of my entire transaction history, but I am sure that this " extra '' money they have sitting aside for me has been there for a while. And instead of applying it to my principal balance, they have been unfairly gaining interest on it while charging me additional interest at the same time.
Consumer complaint received 2024-08-14
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. (CA)

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (MI)

I was looking for a Mortgage in XXXX of last year. I contacted quicken loans. They pulled my credit and told me at that point that I need to sell my old home to get another mortgage. At that point I was not interested in the loan. I got calls repeatedly and I informed them I am not interested in the loan. They pulled my credit again in XXXX of 2014 without my permission. When I called Quicken loans, I was lied to and said, oh this is a soft pull and does not effect your credit. 

I contacted Quicken to get this inquiry pulled. The refuse to remove it stating that I signed a document stating that they can pull my credit whenever they want. I told them that I am no longer interested in the loan and they should not have pulled my credit without asking me.
Consumer complaint received 2015-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (WA)

XXXX charged me a termination fee in error. XXXX turned this over to a collection agency for collection. XXXX has reversed the charges but the collection agency keeps trying to collect it. I have contacted XXXX numerous times. They said as soon as I dispute the charges then they will send a letter to the collection agency. Please help!!