davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (GA)

XXXX XXXX has " PAID '' electronically on XXXX XXXX, 2017 the amount of XXXX XXXX XXXX dollars and XXXX cents {$520.00} towards my M & T Mortgage loan ( ending in XXXX ) for the month of XXXX 2017, and I am responsible for the remaining balance of {$350.00} as this is my last homeowner assistance payment per the letter I received on XXXX XXXX, 2017. On XXXX XXXX, 2017 I called the M & T Bank General Customer Service phone number and spoke with M & T Bank employee XXXX whom stated that the payment is not there. I called back again after speaking with XXXX XXXX XXXX XXXX and I last spoke with M & T Bank employee XXXX XXXX, supervisor ( so stated ) in regards to my XXXX XXXX, 2017 mortgage payment. XXXX XXXX whom stated that works in the Mortgage Assistance Department with M & T Bank that she would need to send an email to another department that receives the Mortgage assistance payments and will note my account. XXXX XXXX XXXX  program stated that the payment was sent electronically to M & T Bank on XXXX XXXX, 2017 in the amount of {$520.00}, and The PAYMENT is THERE. I find it ludacris that with all that I spoke with at M & T Bank today, XXXX XXXX, 2017 claims they can not find the payment made by XXXX XXXX. Later I went ahead and paid the full amount of the mortgage of {$880.00} online for the month of XXXX 2017 mortgage and want the amount of {$520.00} " CREDIT '' towards XXXX 2017 mortgage payment. The last XXXX  XXXX Assistance payment should not have been returned and the employees I spoke with at M & T bank claims that the last homeowners assistance payment is not there.
Consumer complaint received 2017-08-23
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. (NV)

I have recently started a dispute process with the credit bureaus regarding a bankruptcy that is on my credit file with inaccurate information. Beginning July 1st 2017 in order for the credit bureaus to report public information on your credit file it must contain ; name date of birth socia security number and address which tied the debt to you, I have disputed this bankruptcy multiple times and the credit bureaus have yet to follow the new law inplace, yet all they have done was updated this bankruptcy with the information about the court where the bankruptcy was filed. I have contacted the court and was advised they have NOT verified a bankruptcy being tied to me with ANY of the credit bureaus, therefore I would like this information to be rereviewed and REMOVED from my credit file
Consumer complaint received 2017-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a victim of identity theft. I have been living overseas for the past two years. When I returned home this month I attempted to open a domestic checking account and found that I could not because a Bank of America account had been opened in my name without my knowledge. I did not open this account nor did I live at this address this company has on file.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (OH)

I believe Chase is deliberately holding onto credit card payments in order to fraudulently charge late fees. On XX/XX/XXXX, I mailed my credit card payment which was due XX/XX/XXXX. On XX/XX/XXXX, I received an email notice that my credit card payment had not been received. I called XXXX and had funds transferred from my checking account. On XX/XX/XXXX, I called to have the late fee reversed. Miraculously, they found the previously-written check on the very night I called ( sometime in the hours between the late afternoon of XX/XX/XXXX and XXXX XXXX  XX/XX/XXXX. I do n't believe in coincidences. I think they know I would have verified that my check had cleared and thus they had to apply it to my account ... or go through an auditing procedure to find out exactly where they put that money. I think they are doing it to collect late fee payments even when payments are made well within the deadline. I closed the account. This is the second time it has happened with Chase within two years. It has never happened with any other bank or credit union, and I have held credit card accounts since XX/XX/XXXX.
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (NY)

There was a violation from the XXXX XXXX XXXX. Which was n't mine because the vehicle was stolen. I notified them and the account was sent to collections. I disputed the collections with the collections company Linebarger Goggan Blair & Sampson LLP back on XX/XX/XXXX and also on XX/XX/XXXX I have called twice and still no resolution to collections matter. I called today XX/XX/XXXX and they stated it is still under review. I tried also calling the XXXX XXXX XXXX and they referred me back to collections, I do n't believe I should have to wait 3 months for a reply on debt that is not mine. I want it cleared up asap.
Consumer complaint received 2017-08-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

BSI Financial is the service company for my mortgage ; it was sold by XXXX to XXXX XXXX because I was XXXX and needed a modification. XXXX sold it to BSI Financial. After BSI did the modification they said I had no esgrow and I needed to pay extra to build it up ; which a did for a year and a half to put extra into my esgrow. one year later BSI is saying I have no esgrow again. I asked them how is that possible and where is the extra I paid already. They told me basically because they said so ... I asked for a detailed report showing me what was going on with my esgrow. They sent me a incomplete print out which showed some other errors. I asked my bank if the would help me since they are always offering financial planning services ; which they did. They saw that the mod looks like I was charged extra. there was no credits listed for my homeowners rebate. They felt that it proves that they never put the extra I paid into the esgrow account. At the end of this it says my budget is off by {$2.00} and they said it does n't warrant asking for {$1500.00}. and the original bill asking for esgrow shows that the planed and actual that the extra I paid was never added to the account also. I have spoken with BSI Financial 4 times about these errors and asked for a aduit of my account and a detailed report showing everything in order to correct these errors. It appears that they are n't taking this seriously. Please intervene to help get this matter fixed.
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

I am the victim of a Debt Collector, SOUTHWEST CREDIT SYSTEMS, L.P., who is trying to shake me down on behalf of XXXX XXXX XXXX, who claims I did not return XXXX equipment. I have however returned the equipment in question exactly as I was told to do by taking it to the XXXX store and giving them my information. I received a receipt and was told I was all set. However I have now a record on my credit report saying I have the XXXX XXXX XXXX account in collections because I did not return the equipment in the amount of {$480.00} USD. I do not owe this however because I returned the equipment and have paid all bills to XXXX XXXX XXXX.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to contact each credit reporting services but is unable to find a telephone number to a live person to explain myself to. I have found numbers on line but sometimes are routed to sometime of third parties that charges some type of fees. Then tell you after your credit card is charged that they will forward your concerns to the credit agencies. 

I have also tried to fill out information on one of the agencies site but is being rerouted to third parties cites. 

I understand that you not be able to do a lot but I thought i would try reaching out to a government official site Thank you
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX XXXX XXXX, in XXXX 2007 I was a victim of identity theft and fraud. I have filed 7 Police reports in different states with in the past ten years and place a fraud alert on all the Credit Reporting Agencies ( CRA ) XXXX, TransUnion, and XXXX. trying to correct my credit report. The problem I 'm having with all credit agencies, is that their not complying with the Fair Credit Reporting Act Laws. The ( CRA ) are by law to verify documents sent from the creditor ( s ) place into my credit file. I have been  sending request that the ( CRA ) provide me with that proof of documents verification for over 1 year and I have not received a response and when I call over the phone. The ( CRA ) always state that they never received my supportive police reports or complaints.
Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( FCRA ) Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently reviewed a copy of my credit report. I found numerous inquiries from creditors who I did not give my permission to pull my credit report. These inquiries are fraudulent. Please remove these fraudulent inquiries from my credit report. 


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
Consumer complaint received 2017-09-06
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

This complaint is against Rushmore Loan Management Services, LLC. My first complaint, was back in XXXX 2017. In viewing my credit report, I noticed Rushmore closed my mortgage loan. But, it should n't be closed. I filed a complaint. They corrected the account to " open '' but now reporting it as in default 60 days.
This is false reporting. I 'm providing proof of XX/XX/XXXX and XXXX 2017 mortgage payments. I 'm attaching the XX/XX/XXXX, XX/XX/XXXX and the XXXX XXXX 2017 reports. I believe, they have knowingly reported this falsely reported to the credit bureaus. Due to the numerous errors and negligence cause on Rushmore 's behalf, I now believe I 'm targeted individual by Rushmore Loan Management. 

Thanks, XXXX XXXX
Consumer complaint received 2017-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (IL)

I contacted Santander Consumer 4 times. I wanted to settle the debt of XXXX dollars. They told me if I paid XXXX dollars of the debt it would be updated and removed from my credit report. I requested confirmation of this on 3 separate occasions. They have yet to update this on my credit report. It is still stating that the debt is owed and I yet to receive the confirmation letter from the company, though I requested this information on several occasions. I would like my XXXX refunded to me the original charge off date returned to me in the form of a check or redeposited into my bank account or this debt removed from my credit report. This is falsification of information and I would have never restarted this debt had the company not lied and stated the information would be removed from my credit report. I am making strides to fix all things on my credit report and I 'm very upset that they are n't being truthful.
Consumer complaint received 2017-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (GA)

Today I called Santander Bank to close my checking and savings account. Upon closing the accounts I was informed that if the bank receives any future debit requests for bill payments ( utilities, checks, etc. ) against my closed accounts they would automatically re-open my accounts. I was further advised that I would be responsible for any fees levied as a result of processing the debits because the accounts would be over-drafted. I clearly stated that I did not consent to having my accounts automatically re-opened, but was told that I had no choice. Legally banks should not be allowed to re-open closed accounts without the consent of the account owner.
Consumer complaint received 2017-09-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XXXX XXXX XXXX is trying to collect on a debt that is n't theirs to collect and it also does n't exist. XXXX XXXX XXXX has that my mortgage is one month behind due to not paying a payment to Bank of America in XX/XX/XXXX. 

Please note, XXXX began servicing of the loan as of XX/XX/XXXX. They are trying to collect a debt that is n't owed because Bank of America made an adjustment to the loan due to a mortgage modification. 

XXXX also has an incorrect loan balance from the beginning of the loan. If anything, they owe me money. I 'm attaching the loan transfer information. It has the proof of date that XXXX began servicing loan. I 'm also attaching Bank of America 's final statement, dated for XX/XX/XXXX payment. It shows a final principle balance of {$100000.00} ( I circled it ). The statement does not show any late payments. It actually shows " unapplied funds '' which XXXX does n't show on their records. 
XXXX shows in there records of a beginning balance of {$100000.00}, I circled that too. The unapplied funds which XXXX does n't show on my account is {$490.00} which was actually sitting on account prior to filing a bankruptcy. It should actually be applied to the principle on my loan cause technically I 'm out of Bankruptcy now. This unapplied funds can easily be viewed on the Bank of America final statement. You can also note my final payment to Bank of America which was applied XX/XX/XXXX. There are no missing payments reflected on the statement. 

XXXX is in violation of the Fair Credit Reporting act on trying to fraudulently collect a debt, putting my loan in a false default and I think their in violation of insurance fraud because I think they have fraudulently collected on mortgage DEFAULT insurance. I 've tried to correct this so many times with XXXX by even reconciling their statements for them. 

I want my loan taken out of default. They should also be assessed each individual {$1000.00} for each occurrence for violation of the Fair Credit Reporting act and they should be investigated by the appropriate agency regarding mortgage loan servicing fraud. 
Please see the attachments. Please also note, I circled all the payments made to XXXX that are noted in their own records. You will see, I have n't missed a payment. 
Thanks, XXXX XXXX
Consumer complaint received 2017-09-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (IL)

I got a letter in the mail from Discover student loan, saying they sent me a check that was never cashed. It mentioned I must cash byXX/XX/XXXX or call to get it reissued. However I did not get this letter until after XX/XX/XXXX. I called their toll free number that was stated in the letter but they said they had no information regarding this check, when it was sent, the amount, etc and I must contact the XXXX to get this resolved.
Consumer complaint received 2017-09-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (VA)

This loan servicer has been unreliable and impossible to work with since closing on the loan. 

In XX/XX/XXXX we were notified that our mortgage company did not pay our hazard insurance premium and they were going to cancel our policy. So we paid the premium out of pocket. 

In XX/XX/XXXX we were noticed by our local city government that we had n't paid our property taxes and were facing a judgment. These also were to be paid by the mortgage servicer via Escrow. 

In XX/XX/XXXX the mortgage servicer sent us a notice that our Escrow account projected balance was too low and we needed to send them {$440.00} to settle it, which we sent on XX/XX/XXXX. 

In XX/XX/XXXX we requested that our Escrow account be removed and refunded so that we can just continue to pay our insurances and taxes out of pocket on our own since they continued to make errors and they denied our request. 

In XX/XX/XXXX we received a notice from our flood insurance servicer that our flood policy had n't been paid and they were going to cancel our policy. Again this is supposed to be paid by our Escrow. 

InXX/XX/XXXX we recieved a notice from the mortgage servicer that we did n't have a home owners insurance policy on our property so they were providing us one, we do in fact have one. 

In XX/XX/XXXX we received yet another notice that our Escrow fund was low and they need a check for XXXX. 

If they are n't paying our taxes, are n't paying our insurances how is the fund low? Further more I 'm a XXXX and my husband is a XXXX XXXX and we own 3 homes ; neither of us have ever seen anything like this in 15 years. Additionally, all of my clients that are serviced by this mortgage company have the same complaints. I want to open and investigation into the Escrow funds to see if they are servicing them appropriately and if there is any mishandling or commingling of the funds in some way to pay the companies debts or something, because this is just insane.
Consumer complaint received 2017-08-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (WI)

My kids father told me the only way he would support my desisions reguarding my children was if I stopped XXXX payments and wrote off the back pay because my mother was telling my daughter to lie to me about things I did not want for my daughter. I filed for bankruptcy and 3 months later I was fired. I have a learning XXXX and I stated this to my attorneys from XXXX and XXXX. I have no one will contact me back. I have tried to email XXXX and XXXX. Last time I went into the office they told me to file for chapter XXXX once I have a job. I am a XXXX XXXX XXXX at XXXX. I give up my car. I have no support from anyone. I can not loose my house I am a single mother of XXXX amazing children. Please help me.
Consumer complaint received 2017-08-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Coastal Credit, LLC (VA)

On Friday XXXX XXXX around XXXX XXXX from Coastal Credit Auto loans threatened to destroy my credit and garnish my wages if I did not make an arrangement to settle my debt with them even when I stated several times that I was calling to make arrangements on settling my debt. He went on and on about when I bought the car how I was making the payments up until two months ago and it was not his fault that I was in an accident and that he was going to make sure that over half of my wages be garnished and how would I like that? When I asked him if he was threatening me he laughed. This back and forth kept on until I finally asked him what he was going to do? Either he was going to sue me or take my arrangement? He said that I better not bounce the check on XXXX XXXX or they were going to garnish my wages. Per federal guidelines this is unacceptable. I felt threatened and bullied into arranging a payment that I can not afford. I am seeking your assistance in the matter first before taking other legal actions. This is not my first threatening encounter with representatives at coastal credit company. Approximately two weeks prior to this phone call another representative from the company, XXXX, did the exact same thing. I hung up on him after he said that he was going to report to the credit bureaus that I refused to cooperate with the company and I refused to pay. I told him that his conversation was recorded and that he was lying and I will no longer communicate with him unless its in writing. I have yet to receive a letter from Coastal Credit company stating that they are suing me for the balance. I only have received threatening calls.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (MI)

I have a Care Credit which has limits as to what it can be used for. A common use is health cost like dental or medical costs for a pet. During New Years weekend I lost two pets in three days. In order to help me three of the charges where put on no interest deferred promotion for 6 months. Upon the near expiration I sent a electronic Balance Transfer through my account with XXXX XXXX for the remaining total of the promotional balance. I had contacted Care Credit and talked to one of their cutomer service Representatives and explained what I was going to do. Initially I was planning to just transfer balance from one account to the other but the Care Credit agent said they could not do that. So I contacted XXXX XXXX representative and explained what I wanted to do for what amount. He then set in motion to send electronically to Care Credit the balance transfer. This was all accomplished on the date that the promotional period was to expire. I then received notice from XXXX XXXX that the balance transfer was received by Care Credit. However, Care Credit took their time processing the balance transfer for several days and then I was slapped with all the back interest from the promotional program to the tune of {$430.00} at 26.99 %. The whole point of the balance transfer was to avoid the promotional period interest at the very high interest rate. It was bad enough losing two special pets but now I am being insulted with the huge interest charge.
Consumer complaint received 2024-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

these credit inquiries were unauthorized and fraudulent. Please remove from my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX