davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

My mortgage loan was being serviced by XXXX Bank up until XXXX XXXX, when XXXX XXXX and I, XXXX XXXX, received a letter from XXXX advising that the mortgage loan was going to be serviced by Rushmore Loan Management Servicees effective XXXX XXXX. We had caught up with mortgage that was behind but we still owed late fees in the amount of {$900.00} ( which surprising enough is the same amount that we pay for our regular mortgage payments ). On or about the middle of XXXX XXXX, I called XXXX on the phone and spoke with a customer service representative regarding my interest in paying the late fees so that we can have a fresh start with Rushmore in XXXX. I specifically said to that XXXX customer service rep. that the {$900.00} that I was paying over the phone needed to be applied to late fees because the XXXX XXXX mortgage rent was already paid. Well, XXXX came and I called Rushmore and paid the XXXX rent. When I received the XXXX statement from Rushmore it said that we still owed the {$900.00} in late fees ( please keep in mind I already paid the late fees with XXXX - or so I thought ). I called XXXX back and spoke with customer service who informed me that instead of applying the monies towards late fees as I had asked, they applied it to the XXXX XXXX mortgage rent. I was furious! I had paid my mortgage twice!! I immediately contacted Rushmore and asked them to apply my XXXX overpayment towards my XXXX rent and they refused. They said that they needed a letter from XXXX indicating that they received the XXXX payment. After a couple of weeks and several visits to a XXXX branch, I was able to obtain a letter from XXXX advising that they indeed applied my XXXX payment to the XXXX rent. I faxed the letter to Rushmore on XXXX XXXX, XXXX, and as of today, my rent remains behind on month. I keep getting harassing letters from Rushmore asking for money to pay the XXXX XXXX mortgage - I have been paying the mortgage every month despite my efforts to get credited for the overpayment. I have complained to the Florida Office of XXXX XXXX XXXX XXXX XXXX and they sent a letter to them over a month ago and have still ignored the agency 's request for an explanation of why they have failed to credit my account accordingly. The letters Rushmore send to us, is very upsetting because we do not owe any mortgage rent. We have paid in time. The account is in my husband 's name but I am an authorized user on the account.
Consumer complaint received 2015-10-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX XXXX, 2015, I spoke with XXXX XXXX. XXXX XXXX asked me had I received my evaluation letter in the mail dated XXXX XXXX, 2015. I indicated, I had not received such correspondence. Nevertheless, XXXX XXXX indicated the evaluation letter was to inform me that I was denied the opportunity for a home loan modification based on my current monthly salary of $ XXXX ( gross ) and $ XXXX ( net ) ; in addition, my monthly expenses exceeded my net income - and in order to qualify I had to have at least a {$300.00} a month cushion between expenses and net income. When I inquired to XXXX XXXX how BoFA derived at the figures for expenses as well as the income, she was not able to provide me with an answer. She indicated I could appeal the decision - and she would reach out to me on Tuesday, XXXX XXXX to share how the figures were reached. Please be advised I sent BoFA an expense sheet that totaled {$4500.00} in expenses and find it odd that they have expenses that are much higher. On XXXX XXXX, 2015 I went to the mailbox and noticed the evaluation letter dated XXXX XXXX, 2015 as XXXX XXXX indicated, however, the letter did not indicate why I was denied and immediately stated, while I was not eligible for the home loan modification, I was eligible for a short sale or a deed-in-lieu. Well, in early XXXX 2015, I was told by BoFA that the home loan did not qualify for a short sale. This BoFA home loan modification process is repetitive and contradictory to say the least. I am seeking a home loan modification based on the submission of my monthly expenses being {$4500.00} or less.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2022-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

I live on XXXX XXXX in XXXX, Florida. It used to be called XXXX XXXX but was changed back on XX/XX/XXXX. In XXXX of last year I contracted XXXX along with my fianc. I contacted my mortgage company US Bank and entered into a COVID plan essentially putting a temporary stay on my mortgage payments. Fast forward to XXXX of XXXX, I was provided the loan modification documents and the address reflected XXXX XXXX XXXX, XXXX, Fl XXXX. I called the mortgage company and requested 3 times to change it to XXXX XXXX XXXX as XXXX XXXX no longer exists. Well they never changed it. I have attached the letter that was faxed and received ( I have the confirmation ) and mailed certified return receipt with confirmation on XX/XX/XXXX, XXXX XX/XX/XXXX I send back the loan modification documents and decided to send one set with XXXX crossed out and XXXX  written on top, then another copy that I added / XXXX XXXX XXXX after where it said XXXX XXXX XXXX XXXX I called US Bank and told them since they kept getting it wrong that maybe they will finally acknowledge to make the change. Instead I find out they cancelled my COVID plan and I had to reapply!!!! Well it wouldnt be that big of an issue except for the fact that during the first COVID plan my trial payments were {$1300.00} instead of my old mortgage of {$1500.00}. When I got the final loan modification documents it was going to be permanently {$1400.00} which would save me {$66.00} a month. However now when I reapplied the trial payments are {$1700.00} ( {$200.00} more a month than my original mortgage ) and when my final loan modification comes due after this trial period my mortgage will go up to {$1900.00}! Thats a {$400.00} increase all because the mortgage company refused to change my address to the proper legal address. I asked them over and over to please call or write to me and explain how it is legal to keep my address as an address that does not legally exist anymore only to be ignored. The worst part of this is, when I have to start paying the {$1900.00} mortgage will be when Im due with my second child which will be end of XXXX XXXX and will be on UNPAID MATERNITY LEAVE. I am a XXXX soon to be XXXX XXXX XXXX woman ( XX/XX/XXXX ) and am currently XXXX weeks pregnant ( XXXX XXXX  ). I have expressed this in writing and verbally to the mortgage company and it has fell on deaf ears.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NH)

I have a student loan with Navient, I have had repeated struggles finding a repayment plan that is in the range I can pay. They either want {$400.00} a month or want me to " just pay the intrest ''. I have tried repeatedly to set up payment plans and they keep telling me I have only a few options. I am on an income based plan now but for the last 2 years I got NO notice that the plan was up, then I got SO many fees when I did n't even get notified the plan was up. They then put the loan into forbearance until the new paperwork could be processed all while tacking on MORE interest on top! The original loan was for {$26000.00} and I have paid about {$39000.00} over 20 years and I STILL owe {$22000.00}. THIS IS NOT FAIR! I NEED HELP WITH THESE PEOPLE AT NAVIENT!!!
Consumer complaint received 2017-01-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Paypal Holdings, Inc (PA)

XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Complaints XXXX Consumer Financial Protection Bureau PayPal Headquarters XXXX via website XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : XX/XX/XXXX statement from XXXX I received the attached creditor demand dated XX/XX/XXXX just after the XXXX. I was surprised as this was the first time I became aware of an outstanding matter with Pay Pal. I have not used Pay Pal in years, and when I joined my use was infrequent. I do not even know my log in credentials. If I owe money for some reason I would appreciate the details. To have revert to a collection agency was unfair and slanderous tactics. 

Kindly provide detail for this matter so we all can arrive at proper satisfaction. 



XXXX
Consumer complaint received 2022-05-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

collection account closed an paid collection company did not remove the collection from all XXXX credit beareus in a timely matter from my credit report..they have it in writing that its removed but only shows on XXXX XXXX
Consumer complaint received 2016-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (FL)

I got a letter on XXXX/XXXX/16 from Dynamic Recovery Solutions for a XXXX account that I 've never had. They say I owe {$410.00}. I checked my credit report a month ago and figured if I owed a debt, that this would be on there, but it was n't. Also, there is no information about this account other than it 's XXXX and the amount owed. There is no dates or information about the account, and the reviews about this company are n't too good - they 've apparently been scamming people.
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (FL)

This is second time I received the same Wells Fargo Visa card which I never asked for. I refused to activate card when I called their number. Representative told me to call customer service and I did. They said the card has been active for four years regardless as its activated. They then said to destroy the card. I want to make sure I was never charged anything. They did say I had a XXXX balance. I never asked for this card. They did say this was some type of rewards card.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

They have BEEN RETAILITORY TO MY WRITTEN REQUEST FOR HONEST SERVICES after being harmed by XXXX XXXX XXXX pattern of making fraudulent claims against a victim of trafficking. Their records show they collected monies through U.S. mail and agreed to the terms but then committed honest service fraud, 18 U.S. Code 1346 in XX/XX/XXXX when they sent emails claiming they reject their own agreement. They have benefited in the inaccuracy of their reporting against a victim of trafficking, 22 U.S. 7102 ( 11 & 12 ). They intentionally lied to the CFPB in further attempt to collect wrong amount and harm me with false reports to the credit bureau since XX/XX/XXXX and been on this scheme ever since. They violated FDCPA back in XXXX XXXX and I am requesting 15 U.S.C. 1692g and they cease immediately. They failed to correct the account in a timely matter back in XX/XX/XXXX after the first filing about the missing allocations and their false claims on the account. They further harmed me making false derogatory claims to my credit account on and around XXXX XXXX and the commands of federal law.
Consumer complaint received 2015-11-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Luna Financial LLC (CA)

Luna Financial located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX has called me on numerous occassions trying to locate my sister and nephew because they were late on their payment, XXXX XXXX and XXXX XXXX, who have a car loan with them. They were not skip tracing. They would also leave messages on my voicemail. I asked them to stop calling me month after month. They stopped. Today, XXXX XXXX, 2015, I received a call from them again. I told the gentlement not to call and that I had asked them in the past not to call me anymore. He said they were going to continue and call me again next month and hung up on me. I called back to ask for a manager and the same guy answered and said that they were going to continue and call me and hung up on me again. I would like for these phone calls to stop. I am not a message center. I would like my phone number to be removed from their records and for them not to contact me again. 
Thank you. 
XXXX XXXX
Consumer complaint received 2015-03-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (IL)

1 ) Discover Bank closed my checking account without any notice. 

2 ) Its customer service rejected my request of transferring my money XXXX more than {$2000.00} in balance ), and sent a check to my old address. No chance was given to correct the address error, even if I pointed out the mailing address is out of date. 
Note, my above conversation with Discover Bank was before the final check was issued. 

3 ) The online bank system was not working properly. After my checking account was closed, Discover Bank continued sending online bill pay checks to at least XXXX of my billers, including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank, etc. 
These are absolutely unacceptable mistakes conducted by Discover Bank, which intentionally incurred returned check fees from my billers to me, totaling over {$100.00}. Before these checks were sent out, Discover Bank customer service representative even confirmed with me that no money or check would be sent out since my account had been closed. 

4 ) According to Discover Bank 's term and statement, my checking account had cashback rewards when it was closed. I do not have any proof showing Discover Bank paid me for that.
Consumer complaint received 2017-02-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ray Klein, Inc. (OR)

Good evening. 
On XX/XX/XXXX, Ray Klein Inc. filed a writ of garnishment against me for {$1500.00}. I just received notice of my companies intent to withhold all or a portion of this amount from my XX/XX/XXXX paycheck. 
Upon research I discovered that the majority of this collection is from my estranged wife 's medical debts. They combined several of my small debts with her big ones and filed against me. 
I was never served. I called them on XX/XX/XXXX and they said my estranged wife received the papers at her address. They said they had the right to collect her debts from me as we are married. It took me 30 minutes to get to the proper person to verbally explain the nature for the debts they are collecting. We have been separated, living in different homes since XX/XX/XXXX. She filed for divorce on @ XX/XX/XXXX. It is not final yet. 
My complaints are as follows : A ) I was never served prior to adjudication so I had no chance to respond. They say they served my ex but she says they did not. 
B ) I have received no written information of the nature and source of the combined debts they are collecting. I have not had the opportunity to determine whether the debts are valid or mine as I never received advance notice. 
C ) I should not be held liable for debts my ex has incurred since our separation. 
D ) The amount they are having garnished from me on the XXXX of this month will cause an undue hardship. 
E ) I have never lived at the address that they say they served. ( My former wife 's ) Please let me know what can be done to resolve this issues.
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (NE)

Discover closed my credit account without an reasonable explanation. The only reason the customer service gave is " business decision '', but no further explanations. 
It is unacceptable. I used the discover credit card daily for restaurant, gas and grocery, and paid the full balance on time each month.
Consumer complaint received 2015-07-24
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

I tried independently due to changes in incomes to seek a modification from my lender. There representative XXXX from Greentree told me I could not until I made about 6 payments on time. I told him I could not do that. I then went to a HUD authorized counselling center called XXXX XXXX in XXXX, Fl. since XXXX of 2015. After working with them it was decided we needed to do a Deed in Lieu. We gave our XXXX XXXX rep XXXX XXXX all information on XXXX XXXX. XXXX has been working with Green Tree and during the ensuing time they have claimed they did not have possession of the files sent although we have proof they have been sent to the contrary. Then when they do, they say they are missing some items. Etc. XXXX has detailed documentation of her back and forth experiences with them. In summary we have done our best and the delays and stalls dealing with Green Tree internal issues has astronomically causing me financial hardship. Please help!
Consumer complaint received 2016-09-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (NY)

I had originally had XXXX HELOC accounts with XXXX XXXX, XXXX for {$110000.00} opened in XX/XX/XXXX and another XXXX for {$65000.00} opened in XX/XX/XXXX. These loan went delinquent and were ultimately settled. BOTH of these accounts have MORE then 7 years since date of first date of first delinquency and should therefore not be reporting on my credit file. PNC, which took over XXXX XXXX, has engaged in an illegal practice called " re-aging '' to indicate as if NEW delinquencies had occurred on the FIRST of these XXXX loans and therefore it IS updating on my report as if I 've RECENTLY become delinquent on it while in fact that account has had NO activity for the longest time.
Consumer complaint received 2016-03-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (VA)

I opened checking account with PNC financial in 2007, which was free checking with no minimum balance requirements. I donot keep too much money in this account. every year or so, PNC bank keep changing the terms on the account, I find out about when my balance is decreasing because PNC keep charging {$7.00} fee. Sometimes PNC credits those fees automatically but now My wife went to the branch and was misinformed that this virtualwallet account will solve her problem of having to pay fee because of low balance and was changed into virtual wallet account which has excessive fees and now I am told that if i close in 60 days, there will be fee charged. I have lost money by keeping in the PNC checking account and PNC bank does not want to return my account balance to amount before PNC started charging fees. 
I have called and filed complains with PNC and everytime I inquire, i m given complain # but nothing gets done in fee escalation department. I am given some claim numbers like XXXX and XXXX. When I called this fee escalation department, after talking to XXXX and XXXX XXXX ( supervisor ), It sounded like that PNC does not take these fee complaints serious and donot want to resolve consumer complains by saying Pnc bank is entitled to charge these fee and account balance is not under FDIC protection when fees are charged.