davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My husband and I sold our home in XXXX, XXXX XXXX. We paid our portion of the property taxes during closing to the new owners and they were to pay the taxes for the remaining portion of the year when the bill came out XX/XX/XXXX. They were late in making the payment. As a result, a predatory collection agency paid the taxes and put a lien on the property. They sent the new owners a bill for the taxes due and a hefty fee to remove the lien. She then paid the bill and the lien was removed a few months later. We were made aware of this when a credit report was pulled for my husband and I during our NC home purchase process. It seems that XXXX County does not immediately update the tax database when a home is sold to show the new owners. They wait until they issue the next tax bill. Our names stayed in the system from XXXX XXXX until XXXX XXXX when the next bill was sent out. When the new owners were late in making the payment, XXXX County sold the debt to this collection agency. It seems this is a controversial process they use to make it seem like they have a lower percentage of delinquent tax bills. There is big money involved. My home was nearly {$800000.00} and I do n't know if this collection agency does this for all price points, or just singles out higher priced homes. I filed a complaint with TransUnion and their solution was to show on my credit report and my husbands, that there was a lien and it was paid off. I explained everything, sent documentation and they think it is acceptable to simply say the matter is resolved because the lien was paid off. It never should have been on our credit reports to begin with. I will have to explain this every time I apply for large amounts of credit. As someone who pays bills on time and has a very good credit score, I want this removed from our credit reports. It was n't our lien.
Consumer complaint received 2016-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: MST Financial Services, L.L.C. (WA)

A disputed debt was sent to a XXXX collection agency. The XXXX collection agency has failed to notify me of how to dispute the debt, failed to notify the CRAs that the debt is disputed, and is now charging me more that the original amount. I believe some or all of these violate federal law. They have also failed to respond in full to my letter sent certified mail.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (NY)

On XX/XX/2023, I was paid a direct deposit by my employer. I transferred some money from my XXXX XXXX XXXX XXXXXXXX account ( under KeyBank ) to another account I owned under my name, but my entire account was restricted and I am locked out of being able to access any funds in my XXXX XXXX  accounts. Moreover, I wasn't even given a notice of this restriction or an explanation as to why over the weekend until I called myself on Monday during their weekday-only business hours. Apparently this issue is widespread as many others across the web have posted similar holds/restrictions for some reason.
Consumer complaint received 2015-08-12
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I transferred {$5000.00} to XXXX of which banks with XXXX XXXX. I was charged a {$25.00} wire fee from my bank for the transfer. However, the trade station employee sent me an email stating, " If the bank charges you a fee for the wire, let me know and we will credit that amount back to your account. '' This has not been done and I am now wanting to cancel my account with them after two weeks. In addition, I now come to find out they are going to minus {$25.00} from my account to send me a wire back to my bank. There 's no such policy in writing stating that this is the only option to get my money back. It gives me an option on their website stating you can " Wire Transfer, {$25.00} '' or " Request a Check, Free, '' but they will not send out a free check, because their " Internal Policy. '' This is illegal. I spoke to " XXXX '' the supervisor and he stated, my concern is not written publicly anywhere, but that they will not give me back my money I sent them -- in full. I am requesting a check which is free for them to send and they will not send me one, because of " internal policy rules. '' I want my money in full, and I want it now ; so they need to figure out how that can be done. I also want the {$25.00} ( of which is in writing ) credited back to my account and a check or wire for the amount of {$5000.00}. There 's no written public information to justify what they are saying. They are only willing to send me {$4900.00} back of my {$5000.00} I sent them and there 's no way around this unlawful practice. What they are stating is not in any contract I signed or a public policy. When I informed XXXX that this is not stated anywhere he said, " yes it does n't say that anywhere, but it 's in our internal policy. '' Does this mean that everyone can have some internal policy that rips off the client and that 's justifiable? My next action is to charge them interest on my money for how long it takes for them to get my money back to me, because I would be making interest on my money through my bank.
Consumer complaint received 2016-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (TX)

I was a victim of identity theft and noticed a collection from Enhanced Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-08-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

I signed up for this loan without realizing my total payments were going to be {$4200.00} in total on a loan that was for {$600.00}. 
I did n't realize these disclosures until after the fact. This is outrageous. How can a company get away with a 849 % annual percentage rate? This is killing me. I have already paid them {$1000.00} and still have XXXX more payments.
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Collection Services, Inc. (MD)

My original letter to CBCS on XXXX/XXXX/16 acknowledged their your demand for payment in the amount of {$470.00} on behalf of XXXX XXXX XXXX XXXX. 

They provided no information about this account. I demanded " that you provide the following information to me within 14 days, otherwise under the provisions of Public Laws XXXX, also known as the Fair Debt Collection Practices Act, that you and your organization must CEASE & DESIST all attempts to collect any and all debts. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Maryland XXXX 
Provide details regarding this account : 1. Property address 2. Dates of service 3. Complete payment history 4. How this amount is calculated 5. Proof that this is in fact my personal debt, rather than that of a business entity. This proof must include any and all signed documents by me assuming personal responsibility. " I never received a reply until a letter dated XXXX XXXX, 2016 which is the exact same demand for payment/settlement with no evidence that this is my account.
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (TX)

I called SENECA Mortgage Servicing at XXXX. There is no option to talk to a live person which is ridiculous. I am calling about a fee charged on my account and there are absolutely no options to talk to someone. Is n't that a requirement of a loan servicer?
Consumer complaint received 2016-05-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I want to call attention to what I consider to be a load of XXXX. Currently, my checking account shows a direct deposit from my employer on XXXX XXXX ( today being XXXX XXXX ). Normally, I would not think anything of this, however it shows that amount as being available now. 

The last time this happened, I took Citizens Bank at their word, and operated under the belief that my money was mine to use. They proceeded to hit me with {$100.00} in overdraft fees - for using money that they told me ( via their website ) was available. Out of the kindness of their collective heart, they refunded {$35.00} when I complained. 

Now I see the same thing happening. However, I 'm smarter this time. I consider this practice to be deceptive and predatory. They 're dangling the carrot out in front of me, waiting for me to take a bite so they can charge me a bunch of fees. How is this even legal? 

As a XXXX Bank customer, I demand an explanation for this wolfish practice. If there is no resolution, my wife and I will be taking our business elsewhere. I attempted to submit this message through XXXX Bank 's secure message site, but it was rejected for " exceeding the limits ''.
Consumer complaint received 2015-10-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (FL)

I received a collection call at XXXX XXXX this morning from Roundpoint Mortgage. They hold the mortgage on my investment home. I had n't paid the mortgage this month because the website was down. It would not let me in. Mind you, the loan is up to date and paid every month. It 's a courtesy for them to do this. I find it insulting. I have never been late and my credit score is over XXXX. They could have cared less. They carried on about if there is a problem, they want to be there to help. I continued to tell them about the website and said I had just gotten out of bed and had n't tried today.
Consumer complaint received 2016-01-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I have been paying my loans by check since Navient refuses to let me open my online account and make payments. I could pay several time a month when money is available for me and get the payments caught up without the harassing phone calls and mis appropriating my monthy payments. They continue to make me late on payments each month. For the last 6 months, I have paid {$150.00} for XXXX loans. XXXX is bout {$98.00} and the other {$47.00}. I paid XXXX with XXXX check and after a few months, I noticed my bills were saying I was late again. I XX/XX/XXXX I sent in an extra payment so that I could pay my {$150.00} any week of the month, since I am on very limited income, and need to pay mortgage at the first of the month. I got bills saying I was ahead on XXXX bill and the other is showing me as {$170.00} late, they started calling my house all day long again. I had to turn off the answering machine. 
The reason for not speaking to them, is because I will only get a roto call bill collector who will only ask me for money, not be able to investigate why my payment have not been applied to XXXX bills each time I send in the money. The collector will not have the correct information and I have to tell them to update their screens. I tried to send in both payments in XXXX separate envelopes, so that the processer would not be able to apply my check to only XXXX of my loans.. But regardless of XXXX checks and XXXX stamps, all my money should have been applied to XXXX payments, regardless. Now I am paying interest on XXXX of the loan notes again. I wish we could have some help from the government, because of all the interest money that has been taken from me, I feel illegally. I have not ever gotten help with a real live representative that can bring solution to my case. Thus, I refuse to answer the phone. Please help me get my payments accredited to XXXX my loans.
Consumer complaint received 2015-05-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America. Not a good option for XXXX XXXX military. 

In XXXX XX/XX/XXXX XXXX on active duty. Just before XXXX I replaced my BankAmericard Cash Rewards Visa. I had automatic bill pay setup for the account, but it did not carry over to my new card. I was not warned against this when I changed my card. Due to the fact that I was XXXX I did not receive my statements in a timely fashion so I did not see that I had an outstanding bill of approximately {$95.00}. Unknowingly my account went into delinquency. 

I noticed this - not from BOFA - but when I checked my credit to find a delinquency. In XXXX I noticed my credit score dropped XXXX points because my BOFA account was past due. Note : BOFA took no steps to notify me, except mail a statement that did not reach me because I was XXXX. The last time I had spoken to BOFA I understood that I had recurring billing set up. I immediately paid the minimal balance and requested that BOFA remove the negative report since it was their fault due to recurring billing fault. I addressed the issue with Bank of America and they did nothing. When I returned from XXXX in XXXX XX/XX/XXXX I noticed I still had the negative report. Since the beginning of XXXX I have spent countless hours on the phone attempting to speak to someone to fix this. The failure of their automatic payment service is the reason why this payment was late. They did not email or call. This is terrible treatment for someone that has limited access to communication because of XXXX service. 

I strongly warn XXXX military to find other banking services.
Consumer complaint received 2016-01-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a checking account with Bank of America after receiving a promotional offer. The offer was to give me XXXX Alaska Airline miles for opening an account and making XXXX direct deposits within a certain time frame. I completed the requirements within the specified timeframe and called twice to confirm with supervisors that I met the requirements before the promotional period ended. The supervisors confirmed I met the requirement on XXXX separate occasions. 
It has been approximately 7 months since I met the requirements and I have not received the miles. When I call BoA they keep transferring me and I do not get an answer. On XXXX occasion a person told me my deposits did not qualify but I told that person I was told twice already they did. The person said he would forward my request to the promotions dept but I never heard from them. 
To be told after the promotional period they deposits did not qualify leave me no recourse to rectify. I opened in good faith the account and did all I could to meet the requirements and verify I met during the promotional period. The result of what I got was long delays in responses, no solid answers, and no miles.
Consumer complaint received 2016-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I AM WRITING TO COMPLAIN ABOUT A BANK OF AMERICA MORTGAGE POLICY THAT APPEARS TO BE DESIGNED INTENTIONALLY TO DRIVE UP FEES AND COSTS. 

Summary of the facts : My mortgage ( which is about $ XXXX ) was set up for automatic withdrawal/payment from a Bank of America checking account to my Bank of America mortgage. This arrangement had been working fine for years. In early XXXX 2016 I forgot to fund the account from which the automatic withdrawals were being made. Consequently, on XXXX XXXX, the date scheduled for automatic payment, there were insufficient funds in my checking account. I did not immediately notice my oversight, so the next day there were also insufficient funds. This generated a second overdraft. A few days later I funded my accounts, but Bank of America terminated my ability to make electronic payments to my mortgage. I have been fighting with Bank of America ever since to get my mortgage back on track and electronically accessible for payment. Bank of America refuses. They insist that I may payments with a certified check or a money order and they have informed me that I will have to make payments via one of these XXXX mechanisms for one year before my electronic payment privileges are restored. One of the telephone representatives I spoke with recently about this problem explained to me that I " needed to demonstrate that I was able to make my payments '' before I would be allowed pay electronically. I am able to make my payments. I currently have about {$8600.00} in my Bank of America checking accounts. But, Bank of America will not accept any method of payment other than by cashier or certified check. 

I can pay all my other bills electronically from my Bank of America account. I can transfer money to any other bank account in the world from my Bank of America account. But, I can not pay my Bank of America Mortgage from my Bank of America checking account. The only explanation for this practice is to drive up fees and costs. 

I will be glad to produce any additional documents that you might want should you agree to look into this matter. Thank you.
Consumer complaint received 2015-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Amsher Collection Services, Inc. (CA)

Amsher Collection services sent me a notice regarding my delinquent XXXX balance offering me a settlement. The settlement is {$32.00} off my balance if I pay before XXXX/XXXX/15. It states that to accept the offer I am to call XXXX. 

When I call this number I am greeting by a message telling me I can leave a message which is then interrupted by another message leading me through a series of prompts which leads me back to the original message creating a loop where I can never leave a message nor speak to a representative. 

I simply want to pay my bill and would like to accept the Amsher 's settlement. However the number they provided does not allow me to do that.
Consumer complaint received 2015-05-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (SC)

We filed chapter XXXX bankruptcy XX/XX/XXXX and we decided to convert to a chapter XXXX XX/XX/XXXX and we included or mortgage in the chapter XXXX and our mortgage company XXXX sold the loan to another servicer Selene finance without filing for foreclosure when we went to bankruptcy court for the chapter XXXX. Selene finance did not foreclose until 1 year later and they were supposed to foreclose when we went to court a one year ago. We have XXXX loans on our credit report and we want the loans removed and the proper foreclosure date updated on or credit report. That foreclosure date should be XX/XX/XXXX. That is the discharge date for the bankruptcy chapter XXXX.
Consumer complaint received 2016-09-19
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc. (MN)

State Collection Service Inc. hung up on me after I tried to provide them information regarding why my mother did not owe the bill they stated she owed. XXXX Collection Service Inc. does not provide an email address to speed the communication process, XXXX has to communicate with them via postal mail.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

I was instructed by Experian to open a claim with the Federal Trade Commission. On XX/XX/XXXX, an inquiry was created by XXXX XXXX  XXXX. On XX/XX/XXXX, I inquired about a car loan refinance with another company. I suspect that my personal and proprietary information was shared with XXXXXXXX XXXX XXXX  without my consent. I did not authorize this. Will you please correct this and remove this inquiry? Thank you.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Moss Law Firm, P.C. (TX)

None of these fit my pending report which is Case number : XXXX. Sued in XXXX XXXX Civil Court. Allegedly by XXXX South Dakota XXXX now calling themselves XXXX XXXX A. Address is still XXXX XXXX South Dakota. Original law firm was known as XXXX XXXX XXXX XXXX XXXX XXXX now known apparently as XXXX XXXX same location in XXXX Texas. I have never been notified of a name change. I have sent the original law firm a request to release my homestead from the abstract judgment that was filed in the real property records. I am attaching this as not sure I sent it originally as I forgot to print my report. As the XXXX is not detailed my homestead would be included. In Texas the homestead is exempt and I have requested a release by them as i sent a certified letter to XXXX XXXX XXXX as I believed still lawyer of record which is still unclear. You may deem me a failure to pay a debt but I fought in court against their law firm and defeated them 4 times in court. I deny the debt and I believe that the court granted it in error. I would not arbitrate as I again deny this debt. I however assert that it is an illegal practices to engage in a blatant disregard to a Texas law which identifies in the real estate codes what is admissible to seek actions for assets retrievable. Thus the financial institution with their law firm issued an Abstract Judgment as though there were no restrictions that were not within the guidelines of their reach. In my opinion this has been a long time practice of illegal actions and both parties have committed a crime. I have not committed a crime in the eyes of the law and which I deny I owe. I believe that they use intimidation, coercion, and reckless regard for the Texas Homestead Exemption to collect on legitimate or illegitimate debts via Abstract Judgments. I believe that since the statue of limitations can go on for 20 years that the crime has strong possibilities that past and future debt holders have or might pay is considerable and undeserving.