davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-08
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BBVA FINANCIAL CORPORATION (TX)

In early XXXX 2015, I entered Compass Bank to do business. The counter agent solicited business. I was redirected to XXXX XXXX, XXXX Representative. XXXX XXXX attempted to increase my home equity line of credit ( HELOC ). In doing so, she opened both a checking account and credit card account. I strongly protested to both immediately. She advised that the checking account was a requirement of all " new '' HELOCs, which is what would occur if my limit is increased. I was not aware that the credit card account was not closed until I received a statement a few weeks later. 

In the meantime, I did not want to go through the changes the bank required to increase my HELOC. On XXXX XXXX, I advised XXXX XXXX I was no longer interested. At the same time, I instructed her to close the checking account ( and any other accounts ) opened in relation to this HELOC application. When I received statements, banking and credit, I realized that nothing had been done. I reached-out to XXXX XXXX on a couple of occasions with no luck. When I sent her an email inquiring about her availability to assist, she established contact. Unfortunately, she failed to follow through. She did not close either account and I have called customer service to do so. Today, a week later I find out that the checking account can not be closed via phone unless it is at a XXXX balance ( sounds crazy to me ). Last week, they told me that my balance would be returned less a service charge. I was unhappy to hear that I have to pay to close an account I never wanted. When I was advised that I HAD to open a checking account, the minimum amount required to open was {$25.00}. I have already lost {$3.00} due to the monthly service charge. 

We are over 60 days and I can not get this checking account closed, just confirmed credit card account closed XXXX XXXX per my request yet I can not get this checking account closed. I have spent a considerable amount of time with Compass Bank. This reminds me of a time, not long ago, when you entered a mobile phone company 's establishment to browse and would leave to realize later that your mobile provider had been changed. The term used then was " slamming. '' Even electric companies practice slamming. I feel like I have been slammed by Compass.
Consumer complaint received 2016-07-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Good day! 
I received a modification with Carrington Mortgage. It was confusing because first i was denied then I received one, then I was trying to make the payment on XXXX XXXX and I called the number on the modification and I was not able to make it. We called Carrington and spoke with XXXX in foreclosure department and he advised that someone would call me. I never received a call. I kept calling the bank to no avail. We called again today and finally spoke with XXXX in the Home Retention Department and I was advised that I had to reapply. I offered to make both the XX/XX/XXXX payment and the XX/XX/XXXX payment, but she said she could not take my payments. This has been a very stressful situation and I am at my wits end. Now XXXX advised that I have until Thursday XX/XX/XXXX to submit ALL of the documentation all over again. Please assist me in not losing my home, as I waited over 5 years to finally receive one and when I was going to pay they are not taking my payments. Another thing that they did, is that we kept having people trespass onto our property because all along they had the property on Auction.com while we were in the modification status, so how can we believe that even making the payment the house would not have been foreclosed, seems they have been dual tracking all along. The people stated that we were going to auction because we were losing our home! Can you imagine how one feels when we are trying to make payments and we hear this? We need your assistance in this matter. Thank you in advance.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I have been a customer of Wells Fargo for many years I currently have a checking account and my mortgage with them. I had a credit card with them in the past. I saw an article that customers may be entitled to monies owed to them. How do I know if I qualify?
Consumer complaint received 2016-09-19
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (TX)

I DEPOSITED {$240000.00} with Compass Bank XXXX XXXX Texas with the unders derstanding the it would be used for a money market. when I asked to have it transferred to a checking account I was told that I would have to pay a charge of of {$6800.00} as a penalty. I have tried to negotiate a settlement ( Forget the interest but all I got was a blank stare. ( you knew what you were signing. ) I am soon to be be XXXX XXXX. What would I want with a 10 year bank CD. I was offered a new deal for three years at ( supposedly ) 10 % It was to be a XXXX bank deal but was told that the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) said that for 3 years with a cap on earnings that only XXXX of XXXX show a posting of more 0 %. 
than 1 % per annum XXXX XXXX. CANCEL all & give me my money back .. It is {$240000.00} which I want my family to inherit. I am not asking for interest although I suppose that I am I am entitled to it. But do not charge me {$6800.00} This was presented to me on two sheets of small print, the first which was fold ed over so that I could not see it and the second which needed my signature. 
I had a witness with me who can confirm this Product Information Bank is Compass bank, a worldwide Spanish Company at XXXX, XXXX Texas XXXX The local telephone number is XXXX XXXX XXXX The Manager is XXXX XXXX The Headquarters is in XXXX, Alabama and Telephone XXXX XXXX. 


My name is XXXX XXXX, of XXXX, XXXX TX XXXX Email XXXXXXXXXXXX Telephone XXXX XXXX XXXX or XXXX XXXX XXXX ( cell ) Review, I was sold what I thought was a money market fund and when I objected the bank said the only way out was to pay {$6800.00}. At almost XXXX XXXX a ten year note paying XXXX XXXX percent is ridiculous, no-one wants that. 

Hope that you can help me before my XXXX beats me to it. Thanks
Consumer complaint received 2017-02-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Miller, Stark, Klein and Associates (FL)

This Company continues to call for a person that is not me. I have spoke with them 3 times telling them I have had this number now for 2 months and I am not the person they are looking for. They left a message again today for this other person they ask for which is XXXX XXXX. I called back and the person I spoke with stated his name is XXXX XXXX, which I doubt it was because it seemed he had to remember his name. I told him that I am not who they are looking for and he said he put me on hold and then he just hung up. When I called back their line would not even accept my call. I am just trying to get them to stop calling. I do not believe that Miller Stark Klein and Assoc. care about bothering anyone even when they know they have the wrong person.
Consumer complaint received 2016-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MD)

Our mortgage has been with Roundpoint Mortgage for several years and we have never missed a payment. I get repeated calls from them as " payment reminders '' even though the payment is not late. Today ( XX/XX/2016 ) I received 2 calls from Roundpoint Mortgage ( XXXX ) within 30 minutes. I have our bank account set to automatically pay the amount due prior to the due date every month. As I said, we have never missed a payment or been charged a late fee. When I spoke to the second person today she said they would continue to call me until they get the payment, like I 'm a deadbeat or something. It is total harassment.
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (CA)

I had a mortgage with XXXX XXXX XXXX that was refinanced with XXXX and closed in XXXX 2016. The loan has since been transferred to Seneca Mortgage Services from a letter that XXXX has sent to me. I have not heard anything from current mortgage company Seneca. No statements, welcome letters, calls or any contact whatsoever. I have also tried to contact Seneca 's customer service but it 's all automated and ca n't get to a live person. It asks for a loan number but the loan number I was provided by XXXX says it 's not valid on both their phone and web access. I do n't know what to do at this point since I ca n't even pay a mortgage I 've never received a statement on.
Consumer complaint received 2015-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (PA)

For over 20 month I was unemployed and I was behind with my mortgage. Original mortgage servicer was XXXX XXXX XXXX and the mortgage was transferred to Poundpoint Mortgage. 
XX/XX/XXXX I received a trial modification plan. 
I paid the trial plan on time XX/XX/XXXX when mortgage was modified. 
In accordance with Making Home Affordable program if the mortgage is modified the late payments shall be removed from the Credit Reports. 
Roundpoint Mortgage is still reporting my mortgage delinquent impairing my credit score and preventing me from getting credit. 
Roundpoint Mortgage is violating the clients wrights see the link below for victims XXXX XXXX
Consumer complaint received 2016-01-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Accelerated Receivables Management, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX now operating as XXXX XXXX XXXX has hired a company called Accelerate Receivable Management , Inc to collect what they claim is a debt of {$2900.00}. This is for a single cholesterol panel ordered by my family physician in 2014. This lab had ZERO contracts with insurance providers and was therefore out of network for all patients. Therefore, in order to get business with physicians they entered into an agreement that they would accept the insurance company 's out of network payment and not hold patients responsible for any remaining balance. I signed paperwork that assured this also XXXX. Therefore, the charge is completely fraudulent. In addition, when I got a hold of my insurance company I was told that they did not pay the claim because XXXX did not submit the claim properly and the insurance company denied the claim and asked for additional information that was never provided XXXX separate times. Now the claim is past the 15 month term and XXXX or Accelerated Receivables Management, Inc will not be able to submit the claim anymore, period. Accelerated Receivables Management, Inc is now asking me to provide an explanation of benefits that my insurance company can no longer provide me and attempting to charge me for whatever portion of the bill was not paid by my insurance company. This is outrageous and XXXX these companies should be investigated for fraud.
Consumer complaint received 2015-11-18
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

XXXX/Ohio. Called CheckSmart to arrange payments BEFORE loan in default ( due to legal situation, court with ex, etc ). Advised to default on loan, then I was told they would call me and I could make payments for a duration of 45 days. I did as they instructed me to. I defaulted, and awaited a call. However ; I did not receive a call and they debited my bank account for the full amount due causing me to go negative {$500.00} and we 're looking at {$300.00} in overdraft fees since I already set up my account to automatically send checks on my other bills. Called CheckSmart default loan/department and was basically laughed at by a worker then a " manager '' as it says in my contract they can debit my account. HOWEVER - they instructed me to go to the store and reloan as the best result since THEY did not keep our agreement. Had they told me they would debit my account, I would have tried to find a way around defaulting. I was trying to do the right thing since I am in a legal bind and paying a lot of money to my attorney to fight for me in court. This really set me back by far. Now not only am I out this money, I 'm out a lot more in fees and frustration.
Consumer complaint received 2016-09-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GLA Collection Company, Inc. (IN)

GLA Collection Service added debts to my credit report in which I had no clue what they were for until I called them. I also called the original creditor, XXXX XXXX in which they refused to give me printouts of the original debts and when they occurred, what the insurance paid ( or if ), stating it was against the law for them to give me that information and that they forwarded everything to GLA. I know that is an outright farce because they are required to keep billing information for no less than ten years. XXXX XXXX also sent me bills for a XXXX XXXX XXXX and at the time I was XXXX XXXX XXXX. They are refusing to cooperate with me and my insurance. My insurance actually sent GLA a letter stating that XXXX is investigating the debts and that GLA needs to " forebear '' any debts until the investigation is complete. 

The address for GLA is : GLA XXXX XXXX XXXXT XXXX XXXX, XXXX XXXX The address for XXXX is : XXXX XXXX BILLING DEPARTMENT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-06-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (OR)

I took a loan out of {$1000.00} and was told I would repay {$1300.00}. I have now made XXXX payments and my first payment was for {$500.00}, XXXX payments at {$290.00} and XXXX payment for {$320.00} so now I 've paid {$2000.00}. This transaction approval for funds was before signing and not knowing they were going to charge me thousands.complaint : Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX
Consumer complaint received 2016-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

This business does not communicate in a timely or effective manner regarding applications for home mortgages, or refinancing, which forced costumer to complaint and request information regarding the status of her loan application in an open Costumer Service comment box. To which the Loan Originator reacted in a rather unprofessional matter, costumer had to ask XXXX XXXX ( loan Originator At citizens One ) to lower his voice and to please transfer the loan application to another Loan Originator. Customer also requested to speak with a manager ( XXXX XXXX ) and made the same request. 
The Customer request were ignored and the lack of communication regarding the loan application continued. Customer made another post on the general Citizens Bank complaint box and immediately received a very animated call from XXXX XXXX telling the customer that she has been denied. 

This customer has documented all the attempts to try to get her loan application transferred to another loan originator given the lack of professionalism of XXXX XXXX, this customer discussed this transfer with XXXX XXXX who is the local Citizens Bank Loan specialist at the branch where this customer does her banking, XXXX XXXX seemed eager to help the customer get the loan application transfer to her until she contacted the Loan XXXX, XXXX XXXX. XXXX talking to XXXX XXXX, XXXX XXXX called customer to report that XXXX XXXX told her that the loan application could not be transfer, costumer has a voice message with this information. Now customer is extremely concern given thath all her sensitive financial information is with individual that have kept her in the dark about her loan application process, have disrespected her as a customer by yelling over the phone for having asked about her loan status, have been lied to not only by the loan originator but also by a manager. 

This customer is kindly requesting the neutral review of her loan application by an external agency as well as a the refund of the funds paid towards the home appraisal. I can not express enough how unprofessional and stressful this experience with Citizens One has been. Not to mention that my XXXX Credit score may be impacted by having this inquiry done, that can not be repaid.
Consumer complaint received 2015-12-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MARQUEE MORTGAGE (TX)

A former employee, forged money orders from consumers using her as the loan officer in the US XXXX XXXX of XXXX XXXX. We have been able to track down $ XXXX worth of forged MO. The individual also took cash form other consumers. The loan officer befriended the customers and got them to take her blank MO and told them she would take care of the services and pay with the MO. She forget the MO to look like it was used for the service but cashed them for her personal use.
Consumer complaint received 2015-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (IN)

I received a letter XXXX XXXX, 2014 from a collection agency XX/XX/2014 to which I responded with a dispute, I did not hear anything then I received another letter for same collection from a different collection agency XXXX XXXX, 2014 to which I disputed and nothing back-
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I am a victim of identity theft. I had filed a dispute with Experian but there has been no update. I need these hard inquiries off and seems like there is nothing that has been done. 

The hard inquiries are XXXX XX/XX/XXXX, XXXX is one there twice when it is only suppose to be on there one time. I do have a credit card with them. Also XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I have recently pulled my credit reports, due to interest in buying a house. I have noticed that there are XXXX bankruptcies reporting on my credit report, and this is inaccurate information. I have called the bureau to report this information as inaccurate and they told me that the information can not be removed or disputed. I have since wrote the Clerk of Courts, and they responded to me with a letter saying that they have never verified this information given, and they do not verify such information with the credit bureaus.
Consumer complaint received 2016-01-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I am at my wit 's end with disputing with the bureaus. I have already made complaints regarding the fact that the bureaus DELETED accounts that I was only asking for verification on the late payments and they will not put them back when it was their error. There were also XXXX accounts that I disputed in error and they removed them ; when I asked for them to re-add them they stated that they would not and will not add information given by 3rd parities. I sent them the proof that it was on my file in the first place and they still will not add them back to my file. I also have XXXX derogatory accounts remaining on my file that they continue to say are " verified '' when I know that they are not. Not only that, but they have failed to provide documentation legally verifying those XXXX accounts as required under sections 1681, 609 and 61a5Ai.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MI)

In XXXX 2015 I received a call from a blocked phone number that said I needed to call XXXX regarding legal papers they needed to serve. I called that number, they did not identify themselves, did not state was for a debt collection and gave vague information regarding a debt I owed. When I asked further they gave me a non existent account number and customer service phone number for XXXX XXXX. I called XXXX XXXX and they had nothing on file for that account. I called back to the XXXX number to get further info and was told I could pay {$400.00} of the total of {$600.00} to make it all go away. I said no and I needed proof of the debt in writing. They said they would mail it out, never did. I sent a certified demand letter which came back to me today as undeliverable. The company is XXXX XXXX XXXX XXXX who is also now on my credit report, that is the address I used to mail the demand letter. I have not heard anything further from them to date. I do not have an outstanding bill and will not pay anything on an account that does not exist.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Equifax and its affiliate XXXX XXXX XXXXXXXX is not updating fairly or properly. My fico scores are drastically dropped which hinders my financial opportunities. Equifax and its affiliates is reporting that my accounts on Equifax are in good standing but score is drastically dropping ie from XXXX to XXXX on Equifax. 
According to Equifax and its third party affilate nothing has change and payment history is good then why isn't Equifax notifying XXXX XXXX XXXXXXXX of accurate status which is all accounts are in good standing. Iam asking for this issue to be corrected as my financial opportunities are in danger and causing problems for future financial aid or assistance. 
In addition there are inquires that I did not authorize that's on Equifax and XXXX XXXX in platform. 
Lastly if there is no reason for change on report and score why is why score so drastically low. I will allow the stipulated time to have this issue corrected after that I will persue legal action starting with the credit bureaus in question and its affiliate. This issue is going on for years and i will get Washington credit representatives involved this has to stop.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Experian claims they 're reporting accurate information on my credit report. I sent a request to the data furnisher but the address on file is inaccurate. When I sent them a letter to get further information from them it was returned to me. Please remove the account from my report at once.