davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
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. (WV)

XXXX and/or XXXX and/or Equifax have failed to address the issues on my credit report as follows : 1-XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX ; thereby there are two collections regarding the one XXXX ... acct.

XXXX XXXX and XXXX XXXX are one and the same company ... .when I called and told them about this ... .each rep hung up. XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX, which was charged off/tax deduction by XXXX/tax deduction NO CONTRACT ... .therefore there can be no collections ... .much less two in one companies collecting 2-XXXX XXXX  and XXXX XXXX each too, fall under the FRCA ... no contract/no debt,
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (IN)

XX/XX/XXXX, spoke with XXXX - he reversed charges that were wrongly accrued. Brought balance owed to {$0.00}. Closed the account completely on that day. 
Received another statement - account was NOT closed. I called back on XX/XX/XXXX disputed the now new charges that accrued again. Spoke to XXXX, then XXXX and a XXXX - reversed charges again and got a confirmation # that account was closed and all issues resolved. Confirmation # XXXX. 
Received yet another bill for the account that should be closed. New charges once again have accrued. XX/XX/XXXX Tried calling in again explaining the account was closed now twice but yet still getting charges and fees. All while crushing my credit score because its showing I am not paying past due fees. Spoke to three gals, first XXXX hung up on me. Promptly called back spoke to XXXX ( ID : XXXX ) she said she couldn't help me. I asked to be transferred to a manager. Got XXXX, she said she can only " send 'it ' off '' can not do anything with the account.
Consumer complaint received 2018-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Since XX/XX/2017, an entity called XXXX have been withdrawing {$19.00} from my bank account. I have no knowledge or any transactions with this entity. I have tried getting my bank to stop this but they claim they can not since XXXX has my account number. 

I have called the number attached to the withdrawals ( XXXX ) but I get an answering service which claims I am not in their system after giving them all my information ( name and account number ) and so they can not answer even my basic questions like what is XXXX ( Is it a bank or an organization, and where is it based ). 

I have not gotten anything from XXXX -- no reports or communication. 

What hurts me the most is when my Social Security check is delayed and I dont have enough funds in my bank account, I get an overcharge fee XXXX XXXX XXXX- when XXXX withdraws. This has happened many times, so I have many times a negative balance showing. 

Please help me stop this scam. 

Thanks.
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

On XX/XX/2024 a charge from XXXX in the amount of {$99.00} was pending. XXXX was contacted and due to the software not being utilized since XX/XX/2024 the transaction was reversed on their end, as told by several representatives of the company. The charge remained pending until it posted. After waiting 10 business days, communication was sent to the merchant with a response stating that there would be no refund as the transaction was voided on their end and the charge should have reversed, resulting in the funds being returned to my available balance. Being that the merchant stated this information and the charge still reflecting as posted, a dispute was issued with Block Inc/Square Inc/Cashapp , hereby addressed as 'financial institution '. The dispute included the communication from the merchant stating the transaction was voided on their end. The dispute was denied and the supporting documentary evidence was disregarded. Further communication with the merchant referred to my financial institution for any further assistance due to the fact that the transaction was voided and nothing further on their end could be done. Several communication attempts with the financial institution resulted in the refiling of the dispute a total of 5 times along with 5 denials of said dispute, regardless of the communication directly from the merchant stating the transaction was voided and services were not rendered. Upon request of the information used to determine the decision, a timestamp of the posted transaction was provided with no additional supporting evidence relied upon to reach the conclusion of no error occurring. 

The dealing of this issue has caused a great deal of stress, migraines, loss of sleep, mental anguish and XXXX  XXXX. Not including the time spent on various phone calls to attempt to have a proper investigation completed. All of this has been very stressful and without a proper investigation to be conducted, concluding that the funds for services not rendered by the merchant is deceptive, unfair, and unethical as per 15 USC 1693 ( f ) ( e ) ( 1 ) and 15 USC 1693 ( f ) ( e ) ( 2 ) as refusal to make a good faith investigation of the alleged error, nor did the financial institution provisionally credit the consumer 's account, nor was there reasonable basis for believing that the consumer 's account was not in error. The financial institution also knowingly and willingly concluded that the consumer 's account was not in error when such conclusion could not reasonably have been drawn from the evidence available at the time of investigation. Upon request of all information used during the course of the investigation, the financial institution failed to provide all documents relied upon to conclude such error did not occur, as per 15 USC 1693f ( d ). I have attached the communications from both the merchant and the financial institution as supporting documentary evidence.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc (TX)

Hello, I have requested for a 1099c form from the original creditor Possible Finance which they denied and stated they could not find my account by my social security or birthday. From my knowledge the creditor is supposed to provide the 1099c form after placing the account under a written charged off account. Not only that, the creditor is updating my credit report agency XXXX XXXX and XXXX as Charged off repeatedly every month which is false information that ' falls under the law of 15 U.S.C 1681. The account been closed since XX/XX/XXXX. However, the Charge off is still reporting across the board as a late payment as of XX/XX/XXXX as if the loan been charged off every month.
Consumer complaint received 2024-10-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: M&T BANK CORPORATION (MN)

I have asked for a loan modification or loss mitigation due to me losing my job and not being able to make payments for 3 months. But the day that I sent in my payment for the XXXX month being behind, was 2 days late! 
So they put me in foreclosure! 
When they knew my situation. Then when they come back with a loan modification, they are supposed to cut my interest in half do I can make my mortgage if need be, instead they up my monthly mortgage by XXXX a month! 
And my month payments would be XXXX going to my principal while XXXX going to interest and XXXX going to escrow XXXX going to insurance. I was dumbfounded! 
They didn't do nothing to help me stay in my house which I've owned for 16 years, ( my loan was transferred to M & T Bank back in XXXX  right before COVID hit and I'm a XXXX XXXX XXXX XXXX so I was outta work for almost 2 years ). I'm starting to get really frustrated with them. And then going through all of my statements, they can't seem to tell me where {$5600.00} of my payments went!!! Through out the years. I didn't not sign the recent loan modification due to them saying in the loan modification " this agreement should not be understood or construed ''???? 
And due to the fact that I was going through hard times and they upped my mortgage payments with my interest rate going from 2.25 % to 7 %...
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (CA)

I have been contacted numerous times during the day and at night by Jefferson Capital Systems LLC for a debt that is not showing on my credit report. They have emailed me and call me about 6 times a day, 7 days a week. They have never mailed a single letter to me to explain how they obtained my information.
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Mandarich Law Group, LLP (NV)

Was sued in Justice Court and received summons XX/XX/year>. Contacted and entered into settlement that was signed and returned to them XX/XX/year>. Also attempted to enter into hardship program and was sent notification XX/XX/year> of receipt of request and to provide proof. Contacted XX/XX/year> and was told my payment was returned XXXX it was never sent to my bank. Was told they have hardship information and will determine if I qualify. Was never contacted about possible returned payment by them or bank. Last day to file court response was XX/XX/year> which is same day I contacted them and was told the payment was returned. If I didnt file response they had my signature to claim full amount for failure to adhere to agreement. Feel they knew this and never submitted the payment in an effort to get full amount through judgment
Consumer complaint received 2018-04-24
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC (TX)

Good Morning, I received a call from Reliant Capital Solutions. I do not know who this company is, Ive never done business with them, and they have no right to collect a debt I do not owe to them. Subsequently, I sent them a letter to validate not verify the debt. I have not received a reply. Letter is attached to this submission.
Consumer complaint received 2018-04-24
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

Incorrect amount and interests charged when nothing in the original contract or lease agreement indicates interest can or will be charged. In accordance with the Fair Debt Collections Practice Act, 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Consumer complaint received 2018-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

This is my 2nd complaint! There have been Too many escrow shortages with this mortgage! We bought this home XX/XX/14 and there have been a total of 4 shortages, 3 with my current lender. 

I want to delete my escrow account, however my mortgage company is trying to charge me {$980.00} to do so! This is the 4th home I've owned in my life, and never had this happen until now!
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PROVIDENT FUNDING ASSOCIATES (PA)

I contacted Provident Funding on XX/XX/XXXX to cancel my Private Mortgage Insurance ( PMI ). They provided a cancellation form indicating eligibility under XXXX XXXX The representative also mentioned I might qualify under XXXX XXXX on XX/XX/XXXX. 

I submitted the cancellation request on XX/XX/XXXX under XXXX XXXX, as it required no additional documents. However, the request was denied due to a loan-to-value ( XXXX ) ratio of XXXX XXXXWhen I inquired about the denial, Provident Funding informed me that I was ineligible for XXXX XXXX because more than XXXX years had passed since the loan origination. Upon requesting more details about any policy changes, they were initially hesitant to provide updated information. 

After escalating the issue, they sent me a revised PMI cancellation form. When asked about the effective date of the policy change, they stated that supervisors received the information on XX/XX/XXXX and communicated it to other associates on XX/XX/XXXX, effective XX/XX/XXXX. 

This timeline seems inconsistent, as I did not receive any prior notification about the policy change. Additionally, their claim that I am ineligible for XXXX XXXX  to close my PMI contradicts their initial assessment. 

I believe I am still eligible for PMI cancellation under XXXX XXXX, as I submitted my request before being informed of the policy change.
Consumer complaint received 2018-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

School is not listed in official listings. I attended XXXX XXXX College which has changed its name to XXXX XXXX  College. I graduated in 2006. This For Profit Private College first priority was to get there hands on your FAFSA, their only priority. I was sold a Dream and delivered a nightmare. I was told my degree was transferable and the college had lifelong career placement. All lies. The also exaggerated the career field. As a divorced mother raising XXXX child on my own and working as well as trying to better our lives by getting a degree, I can tell you I made plenty of sacrifices. I feel this school preyed on low income families. I have filed many complaints a and forms with NAVIENT because this truly is a FRADULENT LOAN AND NAVIENT/XXXX XXXX know this. They have done nothing to right this wrong and have steadfastly continued to harass me and have COMPLETELY RUINED MY CREDIT FOR LIFE. This loan has NEVER DEFAULTED because Ive had to plat their stupid little FORBERANCE/ DEFFERMENT GAME. I CAN NOT get a home loan because as of now I owe them 2 the amount of the ACTUAL LOAN!! I will NEVER make a payment on this loan ... .. I regret ever trying to better myself. I have a worthless DEGREE and a pile of debt I will never pay on ... NAVIENT ILLEGAL ACTIVITY at its FINEST PLEASE. I have found many other student that attended same college in same situation
Consumer complaint received 2018-04-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WA)

I have two houses House-A and House-B. I lived in A until XX/XX/XXXX and moved to B. Now, house B is my current primary residence and will stay here for long period. 

We bought this house ( B ) in XX/XX/XXXX when my children were born ( XXXX ) and we lived here until XX/XX/XXXX, they grown here until they become XXXX XXXX XXXX. In XX/XX/XXXX when we moved back to this house we felt like we are back to our true home. Also, one important thing to note is my kids go to the school right in front of the house B. 

I told the lender that I will be subdividing the property A as the market went up and it is good time to make some money by selling these lots. 

I applied cash-out refinance in XX/XX/XXXX under primary residence category. The lender " quicken loans '' accepted the loan application under primary residence plan and verified that I am actually living in B. But at the final stages the lender backed off and he converted the loan as investment property loan. This changed the whole equation. I had to bring in additional money and had to pay for an appraisal, had to pay more APR and had to shrink LTV to 75 %. This is a violation of Equal Credit Opportunity Act ( ECOA - XXXX XXXX XXXX ). Due to this change, the whole process delayed as well.
Consumer complaint received 2018-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (MD)

Receivables Management has placed a collection on my report in the amount of {$440.00} for a medical debt which is not valid but also violates my HIPPA laws as I have never signed a contract with them or given them access to my medical records. I do not have any knowledge of this alleged debt nor have I ever received services from Receivables Management. I have disputed the validity of this debt as well as questioned if they are authorized to collect this alleged debt. This alleged debt that has never been validated has caused irreparable harm to my credit and credit score. I will be following up with more letters to the credit bureaus and to the company after seeking legal representation for violating HIPPA laws.
Consumer complaint received 2018-04-13
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: Telerecovery Corporation (LA)

I was reviewing my credit report and there are two medical bills,, that are on my credit file. One does not belong, to me. These accounts, have been sold to two collection agency ( s ). XXXX XXXX ( which was a account transferred from " XXXX XXXX XXXX XXXX XXXX XXXX' and Tele recovery ( which was account transferred from " XXXX  XXXX XXXX XXXX '' I don't have any outstanding accounts with XXXX  XXXX XXXX XXXX '' and I have never done any business with Tele recovery ( collections agency ( s ). Both these collection agencies are in violation, because if a debt has been purchased, they are required to make contact and I am allowed a certain amount of time, to cure the matter. Before it can be reported, on my credit file. Per the Fair Credit Reporting Act. XXXX XXXX, just contacted me on XX/XX/2018, a year and one month, after the account, was placed on my credit file. As for the Tele recovery account. I have no knowledge of this account, what so ever and it is not my account, nor has Tele recovery, made any effort to contact me via phone, email or U.S Postal service. To determine if the account is actually my account or if I would like to cure the debt. A direct violation of the Fair Credit Reporting Act. 

As for the tow original credit, per the credit report, neither account holder, has ever made a attempt to contact me via email, phone or U.S Postal service, to determine or validate if this debt is my actual debt or if I would like to cure the matter. How can a matter be cured, if one party doesn't know that the matter actually exist
Consumer complaint received 2018-04-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: ALLY FINANCIAL INC. (GA)

On XX/XX/XXXX we purchased a XXXX XXXX XXXX XXXX XXXX  from XXXX of XXXX XXXX, FL. I live in XXXX, GA and saw the vehicle on their website. They did a Face Time to show me the vehicle and because I couldnt see everything up close, I asked them if there was any body damage or dents, and if the headlights were clear. They assured me that there were no dents or body damage, and that the headlights were not cloudy. In fact, the salesman said they had someone clean the headlights. When I received the vehicle, this is what was wrong with the $ XXXX vehicle I had just purchased : 1. Body damage in the amount of {$750.00} 2. Headlights were not clear ( part of the {$750.00} ) 3. The 2 rear tires had a XXXX manufacture date and were dry rot and worn and had to be replaced - {$650.00} 4. Replace Battery in the key fob - {$8.00} Further, when I realized that the vehicle didnt have a sun roof, they quoted me a price of {$850.00} to install a sun roof. They charged me {$1300.00}. I have called repeatedly and left messages for the manager to call me and havent heard anything. XXXX XXXX XXXX XXXX engages in deceptive practices and took advantage of me as a senior citizen and XXXX veteran. I have invoices to show that I paid for the body damage, 2 Tires and a battery for the key fob. I feel the difference in the price of the sunroof should not have been added into the loan and that the cost of the body damage and tires should have been deducted from the price of the vehicle.
Consumer complaint received 2017-04-11
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Dear Officer I am writing to report that Bank of America has never listened to its customers and has never looked into their mistakes. 
I followed the instructions of Bank of America but Bank of America did not keep its own instruction. Please ask Bank of America why they have XXXX policies for the same transaction? 
Thank you! 
XXXX
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (CA)

I opened a checking account with Navy Federal Credit Union on XX/XX/XXXX. My niece XXXX XXXX XXXX ( a minor ) was a signer on the account. I had some financial difficulties including a withholding order from the California Franchise Tax Board which resulted in several checks that I deposited being returned. Due to these continued financial difficulties, I was unable to make deposits into the account to bring it to a positive balance and the account was charged off on XX/XX/XXXX.

To my knowledge, Navy Federal has made no attempts at trying to contact me to collect the balance due on this account. They have my social security number and my current credit bureau report reflects my correct address, telephone number and employer information. Instead, they reported this charged off account on my nieces credit bureau report. She was a minor at the time the account was opened and was still a minor when the account was charged off. She has recently married and her new husband banks with Navy Federal and tried to add her to his account, which they denied. They have repeatedly contacted her to secure payment of the charged off amount, even though I am the legal account holder. They have refused to assist her in both the branch and through their corporate channels. She requested an investigation into this matter and received a response stating that the Financial Crimes and Risk branch at Navy Federal had completed a thorough investigation and denied her claim, informing her that she would need to pay the balance due before they would remove any negative information or consider adding her to, or opening new accounts for her. Again, she was a minor over the life of the account and is not contractually liable for the charged off balance. I would like this information removed from her credit bureau reports and the records of the credit union, since she is not legally responsible for this debt.