davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (MD)

My issue is that I am having trouble getting to the bottom of a credit alert that appeared in my XXXX account. As a XXXX impacted by the XXXX breach, I registered for this monitoring service. I received an alert, reported by Equifax, that a new XXXX XXXX account was " reported ... on your Equifax Credit Report. '' XXXX provided a phone number to call if I suspected fraud so they could follow up on the alert, but the only automated options available on that phone number were for opening new accounts with them, necessitating a PIN provided by OPM. But, I of course had already done that. There was no way to reach a person to talk to about the reported information and my concern. 
I then called XXXX XXXX to see what I can find out there. I did get to an individual in their credit bureau, but she could not find any account with my name or ss # -- other that an XXXX XXXX card I already have -- and suggested that I call Equifax to get the account information from them. At least I was able to talk to someone there. 
I then called Equifax, and again entered the automated system without any ability to talk to an individual in order to explain my situation. I was, however, able to establish a fraud alert for 90 days, through their automated system, and they indicated they would share the information with XXXX and XXXX. 
But, my concern now is that someone may have indeed opened an account with my ss # and, possibly, other identifying information, and could be creating problems for me. But, without more details on what led to this alert, XXXX XXXX seems unable to follow up from their end. 
Frustrated with not getting any satisfaction with XXXX or Equifax, I tried calling XXXX at various numbers. I was unable to reach anyone, even at the Director 's office ( can you believe nobody answers the phone at the Director 's office? ). Their office responsible for XXXX had no way to contact them either, only providing the XXXX phone number that I had already tried. 
Thanks you in advance for any assistance you can provide in this matter. I have attached the screen shot of the alert from XXXX page.
Consumer complaint received 2016-11-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (VA)

In XX/XX/2016 I attempted to obtain services with XXXX for home internet. I was told someone would be out in 4 days to install the internet, and I received my router in the mail. XXXX canceled the tech coming out because someone who lived here before had their services all I had to do was plug in the router and follow instructions as I did and it never worked. When I called back it was going to be another 2 weeks to have someone come out and at that point I canceled the account. I was sent the labels to send everything back, I sent it all back Via XXXX. Over the last 5 months I have received bills and collection calls and letters from them. I spoke with a rep in the Financial services department in XX/XX/<YYYY>, she said it had been received but not processed and it may take another moth or so ago. I started to receive more and more calls from their collection agency and bills so on XXXX XXXX I contacted them via XXXX hoping to resolve this once and for all. I was told by the Financial services department my account had been credited and the treadline on my Credit report would be removed with in 48 hours. it is now XX/XX/2016, and I received a letter from a second collection agency Diversified Consultants Inc to collect on the balance that was to be credited XX/XX/XXXX. I reached out to XXXX again and now they are saying they can not locate my account. I am so tired of being Harassed and given false and misleading information. My next step after turning them over to you is to contact an attorney.
Consumer complaint received 2016-05-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Bank of America ( BofA ) just assigned a new account number, as there was a " data compromise at a merchant where you do business ''. BofA customer service representative state that the Bank does not know which merchant 's data protection measures were inadequate. Apparently, the XXXX organization does not report that to BofA. XXXX simply reports the account numbers that were - or may have been - compromised. My question is simply. Can CFPB compel XXXX to disclose to cardholders the name of a merchant, whose inadequate data security led to the account compromise? I want this information, as I do not want to do business with any company, that has inadequate data protection measures. I have no concerns about financial liability for any fraud : the law shields me. I simply want to be able to re-direct my business away from those, who do not grasp the paramount importance of data security.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA representative kept telling me that an interest charge is not a finance charge. Based on this, and other misleading statements, I decided to cancel the card. It took me almost 30 minutes, and verbal abuse in order to cancel the card. I am a veteran
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I am addressing this complaint directly to you because I believe the issue needs attention from the highest authority. 
Recently, I had submitted an online application for mortgage refinancing to Amerisave Mortgage Corporation, XXXX ID # XXXX for my house located in XXXX XXXX, CA. Going through Amerisave 's online application, its system prompts XXXX to pick available rates the corporation would offer based on loan amount, property value, location and credit scores. Further, it let 's one view all associated costs and fees that come along the selected rate, and how much Amerisave offers as credit to the consumer to cover those costs ( please see attached printout from Amerisave online application ). According to the rate I qualified for and selected, all fees, including an appraisal fee of {$590.00}, was covered by the credit Amerisave offered, and even some leftover that ends up not being used. Even though I clearly pointed out this fact to the loan originator handling my application and I did n't want to pay an excessive fee upfront for a service I was not sure of, I was told and lured into making the payment on the pretext that it is customary and that all mortgage companies charge fees in spite of what its website claimed and offered. For an ordinary customer like myself it was confusing, and though I felt manipulated, I made the payment because I needed to refinance urgently and I was assured of the service. 
A few weeks through the application process, Amerisave indicates to me that it has rejected the application and would not return/refund the upfront charge it made. I tried to convince and prove to it that the grounds it based it decision on were not true and justified, but it was adamant on the money I felt I was unfairly ripped off. 
I believe that a mortgage corporation like Amerisave, or for that matter any other financial institution, has the right to provide services to whomever it chooses or deems qualified or deserving, but at the same time I strongly believe that an ordinary customer should not be taken or manipulated on hard earned resources for services not rendered. I believe that mortgage refinancing should not be like a " lottery '' where customers try their luck for exorbitant fees and there is a good chance that they would fail. 
I kindly request your authority to address this issue so that Amerisave refunds the fees it has charges for no avail. 

Thank you very much for your attention and consideration.
Consumer complaint received 2016-04-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (CA)

Affiliate Asset Solutions Dept Collections called and wanted payment now for {$630.00} for a XXXX XXXX, 2014 ambulance bill from XXXX XXXX XXXX. They would not give us an address, except XXXX XXXX XXXX, Georgia. We did not pay them. We called XXXX and were told we do not owe any money and they do not use this depth collection service. I think this is a scam.
Consumer complaint received 2016-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I received my credit report from TransUnion today and in there it says I have a balance due of {$270.00} from XXXX that went to the collection agency XXXX. I have never had a account with XXXX, and when I called, they informed me that they have no information on me or any record of me ever being a customer with them. I then tried to fill a dispute online and over the phone with TransUnion and was denied because they could not confirm my identify based on the questions they had asked me ( questions I could n't answer because they 're possibly about whoever is stealing my identity or whoever they 've mistaken me with ). They were asking me questions about a auto loan and a mortgage, neither of which I have never taken out. I tried several times to tell them that fact, and also informed them there was another name and phone number on there that is n't me, and that this could potentially be a case of mistaken identify or even identify theft. I was told there was nothing they could do because they could n't confirm my identity.
Consumer complaint received 2017-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Financial Management Solutions, LLC (VA)

On XXXX XXXX, 2017 @ XXXX XXXX, I received a call at work from XXXX. I answered and a man gave his name ( coulnd't understand ) and the company FMS XXXX Solutions . He proceeded to inform me that I owe XXXX $ for XXXX ( my previous apt ) He asked if I was aware of this. I said, no, I 'm suprised you are calling because I was in a dispute of sorts with the office about this several months ago and had heard nothign more from them since XXXX. He proceeded to get very rude with me and said " You signed a LEASE. '' I could not get a word in edgewise and he loudly yelled, " What makes you think you are different from anybody else?!?! '' I said, Sir, I 'm going to speak to someone more appropriate on this matter. '' and I terminated the call.
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BARCLAYS BANK DELAWARE (GA)

While applying for the Barclay XXXX Card I asked the application specialist if they waved the annual fee for XXXX XXXX service members ( since this is common in the industry and they have a high annual fee ). The application specialist told me that sounds right but could not give me a definitive answer until I actually opened an account so they could ensure I was in a DoD database. Given that they had recently waved the fee for a few of my friends I applied for an account. After receiving the card and opening the account I transferred to a SCRA specialist who told me that a few weeks ago 'leadership ' made the decision to stop applying that SCRA benefit unless the service member incurred the debt prior to DoD enrollment date. There were unable to wave my annual fee as my XXXX XXXX service started in 2005. I explained that the application specialist was vague when I asked this specific question and led me to believe that the fee would indeed be waved. There is no way I would have applied for this high fee credit card or let Barclay run my credit report if they had communicated their actual policy during the application process. 

I closed the account prior to the annual fee being assessed, however this account will now appear on my credit report, and the fact that Barclay ran my credit report will lower my score.
Consumer complaint received 2016-05-12
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (VA)

SunTrust Mortgage deposited/cashed the check earlier than the date written on the check, then caused an overdraft fees charged by my bank. 
Our monthly mortgage due deadline is on XXXX XXXX, 2016. I mailed a check in the first week of XXXX, but I made the check dated on XXXX XXXX, 2016. SunTrust Mortgage cashed/deposit the check on XXXX XXXX, 2016. Because there were insufficient funds in the account on XXXX XXXX, 2016, our bank charged a {$30.00} fee for overdraft. 
I went to our bank and our bank told me that SunTrust should not bank that check until XXXX XXXX, 2016. I then called SunTrust Mortgage and tried to resolve this matter. All I was told that SunTrust Mortgage processed the payment electronically on the date the payment was received thus there was no way SunTrust Mortgage could do to prevent such thing happen again. 

Here is the problem, the customer/consumer, in our case, could mail the payment a few days later, then SunTrust Mortgage would charge a late fee if the mail arrived late than the due date ; if the customer/consumer mail the payment early but date the payment before the due date, when SunTrust Mortgage can cashed/deposit the check regardless the check 's date whether it is for yesterday, tomorrow, next month or next year, just because it is process electronically. On the other hand, if any consumer tries to bank a check is dated for tomorrow, any bank in the US will not allow such check to be deposited or cashed until tomorrow. How come SunTrust as a bank can be treated or practice differently. I believe SunTrust Mortgage 's practice put all consumers at great disadvantage and we as consumers are at lose end no matter what and we have no way to assert our rights. I do n't believe this kind of practice is done by SunTrust Mortgage only, and I am not the only disadvantaged consumer/customer. 
SunTrust or any other bank can definitely do something that is not taking the advantage of the consumer.
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (CA)

XXXX XXXX, XXXX my mortgage ( including escrow ) increased by {$350.00} a month primarily due to my taxes increasing due to an {$8000.00} energy loan I made to repair damages to my property for an insured flood loss I suffered in XXXX XXXX. I applied for a loan modification to my mortgage company and while in processing in excess of 2 months, they sold my mortgage to Freedom Mortgage and I commenced the process over again with them. Finally they offered my a modification that only decreased my payment by {$180.00}. This low amount does n't really help me. I am a XXXX year old XXXX unable to get employment, living on social security retirement a couple of small pensions. I have a " special needs '' XXXX daughter who is now XXXX yrs old. As a result of unexpected expenses my credit card debt balloned to {$46000.00}. I did credit counselling and entered into a debt repayment plan to pay off my credit cards ( now closed ) over a 6 year period inorder to save on excessive interest payments although I am paying off the entire debt, but at a lower rate of interest. 
As my financial hardship was not alleviated by the modification and my debt repayment program, I counseled with HUD who told me I should apply to KYHC. I did and after a very long processing period with many documents provided, they just approved a principal mortgage loan reduction XXXX XXXX ( although they would not provide me the details ) and sent it to Freedom Mortgage for their acceptance which they said would take approx 3 weeks. Then KYHC called me back the same day ( yesterday ) after I made the inquiry and I was advised that Freedom Mortgage denied to accept their principal reduction plan because I am in a 3 month trial modification. This of course both parties were always aware of from the beginning of this frustrating process. I can not accept that Freedom Mortgage will not accept the KYHC assistance is offering me. I am desparately trying to hold onto our home as I simply ca n't be homeless with a XXXX year old to take care of and I ca n't afford to pay what the rental market requires if we lose our home. KYHC advised me today that they will close my file without even allowing me the opportunity to dispute Freedom Mortgage 's decision. I was lead to believe that KYHC was a federal program to help home owners save their homes. Both entities have put me through so much over many months to now end up with this unsatisfactory result. If the lender now has the option to deny the aid I have been offered, what is the point of putting someone through all of this when they are already suffering a hardship. Please help me get Freedom to comply. I am not providing documents as KYHC has approx XXXX documents as does Freedom Mortgage Thank you. 
Respectfully yours.
Consumer complaint received 2024-08-23
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: Experian Information Solutions Inc. (IL)

On XX/XX/year> I sent XXXX, Experian, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Consumer complaint received 2016-11-04
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have leased a XXXX XXXX XXXX from Toyota Financial Services ( TFS ) on XXXX/XXXX/XXXX. Since this was an electric vehicle, Toyota was offering a special promotion for unlimited mileage XXXX My lease contract clearly states that there is no mileage limit and no charge exists for additional miles. However, upon turning the car in at the end of the lease ( on XXXX/XXXX/XXXX ), TFS has sent me a bill for {$2000.00} for excess mileage. I have been trying to work this out with Toyota since XXXX, but just get transferred around different departments and nobody has the authority to make a decision in my case. I was advised by the representatives to seek outside help. At this point, my account is in charge-offs, and this would soon negatively impact my credit report.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (ME)

Hello, I have a home mortgage with TDBank. I desire to make additional payments toward principal on this loan. They do not allow you to do this -- either through electronic banking or through automatic funds transfers from other banks. They force you to call a separate mortgage department and process for each transaction individually ( or mail a separate payment each month ) thus putting up a barrier to the consumer regularly adding additional principal payments and thus shortening their loan term. I found it annoying and revealing that they call additional principal payments " Curtailment '' payments and not principal payments. In short, no one could give me a way of having additional principal payments added on a recurring basis. This seems like a passive way of ensuring that the consumer has barriers up against prepayment and should be against the law in my opinion. None of my other mortgages operate in this way there is complete transparency of how many payments I have left and I can pay down principal electronically any time I want from any account I have.
Consumer complaint received 2016-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (TN)

XXXX originally charged for internet service at a home that I sold ( and was vacant due to renovations after the sale ). The person that purchased my home informed me of the debt when they finished renovations and tried to connect internet service. I contacted them and explained, they agreed to research and pull records and call me back, they never called me back. XXXX continues to sell the debt to various collection agencies who resubmit for collection. I have provided details, including the HUD to prove the date of sale at the address, to XXXX twice and had the debt removed both times. Now they have put it on my XXXX credit report and I have submitted the information and pending the result. The amount is {$200.00}. I am tired of having to repeatedly provide documentation for something they have failed multiple times to prove is my debt. My credit score has been negatively affected in a major way, preventing me from refinancing my home until this is cleared up.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (NJ)

I was told to Contact you, by the office of State Senator " XXXX '' XXXX, New jersey XXXX. 

I applied for a home mortgage in XXXX XXXX, at that time and repeated times after that I had asked the loan officer XXXX lender Representative of XXXX, if I would be able to pay off the loan at anytime with no penalties or fees associated with the loan, his response was " I can pay off the loan at anytime without penalties or fees ''. 
Then, in XXXX XXXX, I was notified by a supervisor from " XXXX ' That I could NOT pay off the loan until XXXX XXXX! 
I asked why, his response was " how can we ( the mortgage company ) make any money if I pay off my loan? 
Then they made me go to a Notary and sign a statement that said as per telephone call, I will not pay off the loan until XXXX, I said what would happen if I do not sign it, they said " Then the Settlement will not take place ''. 
Under undue pressure I was forced to agree, and then signed the paper on XXXX XXXX XXXX, That I will NOT pay off the mortgage loan until XXXX XXXX. 

I feel that for some reason it is Illegal for them to pressure me to sign a paper that protects the Greedy mortgage company to make more money, taken it from me, after telling me I multiple times that I could pay it off at anytime in XXXX XXXX. 

I am ready, willing and able to pay off the Mortgage at anytime, and was willing to do so 1 week after settlement on XXXX XXXX XXXX. 

Do I have any legal rights???? Or do just the Mortgage company 's have legal rights to do and say what every they want, to make money at the expense of the consumer???????
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I sent disputes letters to XXXX, XXXX, and Equifax. Theres several inaccurate account on all three credit bureaus which I sent on XX/XX/year> Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of of the consumer of who relates I asked the account to be updated, and corrected