davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (FL)

I have been attempting to clear up a escrow question with Fay Servicing since receiving my escrow analysis from them in XX/XX/XXXX. Since XXXX, I have always been responsible for paying my home owners condo insurance. When I first called them I was told they removed the insurance payment from escrow. After waiting several weeks the payment due never changed which promoted me to contact Fay servicing again to review this. This time I was told the mortgage was adjusted back in XXXX. They have sent me modification letter, but it does not say anything about home owners insurance paid through escrow. To ensure that my Home Owners insurance was paid on time I paid the first of two payments to XXXX XXXX XXXX. I was assured that my Home Owners Insurance would be paid on time by Fay Servicing through the escrow. Well Fay Servicing did not pay the Insurance and thank goodness I did pay on time or I would have been dropped. My account needs to be reviewed by Fay servicing and they need update my escrow payment to reflect insurance payment not included. They need to look into this seriously and stop just sending me blanket responses that are not correct since you are not paying the insurance. Please review the attached email correspondence hopefully you can review the phone calls I made too. I've contacted them through the XXXX XXXX XXXX as well. Their response is the same we will contact once we review. It has been over 4 months trying to correct this no one is reviewing.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When I first arrived in the United States, the only bank where I could open cards for regular use was Bank of America. I also opened a so-called secured credit card with them and made a deposit of {$200.00}. Six months later, I tried several attempts to increase the credit limit, but the bank refused every time. The only successful attempt was to increase the credit limit by {$100.00}. In total, my credit limit was {$300.00}. Over the past six months, I began to actively use a credit card and made all payments on time. I was not satisfied with such a small credit limit, I applied in every possible way for an increase at my own expense, offering to write off a large amount from my Bank of America current account to increase the limit. I wanted to at least increase the limit to XXXX dollars. Even if I spent the entire limit on my credit card, I actually replenished the card balance within 1-2 days. As a result, one day I simply received a notification in XXXXXXXX XXXX that the card no longer worked. ( This was somewhere at the end of XX/XX/2024 ) On the same day I called the bank, to which no one could give me an answer. They told me to wait for the paper in the mail. I also went to XXXX or XXXX bank branches to find out the reason why my account was closed, where not a single specialist could give me an answer, although they called the credit department in front of me, where the employee also could not explain the reason. Everyone referred to the fact that I should receive a letter by mail indicating the reason for the closure. I waited about two weeks for this letter with a reason, upon receipt of it I still did not receive the exact reason for closing my account. ( Verbatim according to the banks policy ) Without proper notice, without really indicating the reason, they simply closed the account. After that, my credit rating collapsed. I really cant use any services due to my low credit rating. How can you do this to a person, for my own money ( my deposit ), they ruined my credit rating.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (DC)

I received a promotional offer via email ( attached ) on XX/XX/23 to earn XXXX points on my TD Double Up credit card for making 5 digital wallet transactions by XX/XX/23. I completed those five digital wallet ( XXXX XXXX ) transactions on XX/XX/23 but have not received the bonus points despite waiting well past the terms of the promotion that said " Bonus Points will be deposited within the next two billing cycles after the promotional period is completed. '' I sent a secure message on XX/XX/23 requested the missing points be credited, but did not receive a reply. 

I followed up via another secure message on XX/XX/23 and received a generic message about how to manage my reward points online and not addressing the problem.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C. 1681 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2024-04-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (GA)

Pnc took over the motage loan XXXX XXXX XXXX XXXXXX/XX/year> Pnc did an analysis stated I was short of {$800.00}. Pnc representatives. Called my insurancecompany XXXX. They XXXX explainI was only short of {$170.00}. They didn't bill me for they, because I didn't notify me.. Pnc did another analysis in XXXX increase again {$400.00} or {$600.00}. I went from {$760.00} to {$960.00}. Once the shortage was paid the mortage was to go down {$880.00}?. Instead my mortgage increase to {$1000.00}. I made numerous of attempts to get assistance from Pnc to verify how and why my mortage would increase {$330.00} in one year. I was told they could see both analysis but couldn't explain why. I sent to the next level up department and was told that's what it was. Rude and couldn't explain. No one can or will explain to me what happened. I do feel there's some fraudulent going on with PNC.
Consumer complaint received 2024-04-16
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA (GA)

MOHELA/DOFED Is alleging I owe a debt I do not. The promissory note that they have possession of is the security being used to fund this credit transaction and under the XXXX that govern commercial transactions the securities should be registered with the SEC and display the owner of it. Furthermore each creditor that has an interest should file a XXXX XXXX with a financing statement outlining the debtor and creditor relationship alongside the collateral being used. I have researched the lien system and have found no evidence of a XXXX being placed. I havent received any profits from the selling of my security.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I recently found out i was on the XXXX XXXX XXXX  i went thru the process of get my report. I made account so that i can upload the information so that i can dispute this bank of America and XXXX XXXX XXXX XXXX, these accounts were fraudulently opened. These accounts were opened and over drafted. But these accounts were fraudulently open with out my consent.
Consumer complaint received 2024-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (NJ)

I canceled XXXX and tire protection on my car loan on XX/XX/XXXX ( over 5 months ago!!! ) I had to file a CFPB previously to have the dealer issue a refund ( case XXXX ). 
The dealer acknowledge to refund, and sent me an email that a refund was issued for {$1800.00} on XX/XX/XXXX. 
As of today I have not received the refund, and dealer is again not answering my emails. 

I'm attaching cancellation form, and last email from dealer confirming they issued a refund ... which was never received. 

Contacts information : - Hyundai Protection Plan administrator : XXXX - XXXX XXXX Hyundai dealer : Finance manager : XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENOVA INTERNATIONAL, INC. (TX)

I recieved notification that someone had fraudulantly tried to apply for credit in my name with netcreditXXXX I called them and advised that it was fraudulant and requested that they both deactive my account and remove the inquiry. They did deactivate my account, but refused to remove the inquiry without first getting a police report. This is despite the fact that there are so many obvious reasons this was a fraudulent attempt ( The application used old legal name I no longer use since legally changing my name, used an address I have not lived in for almost a decade, and there is an existing fraud alert with the credit reporting companies. ). 

As a consumer I don't have time to take off work to go file a police report that tells them what I have already shown them. This is anti-consumer to to refuse to investigate a fraud claim without putting a burden on the consumer.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Today XXXX {$75.00} taken without warning. Only had a {$100.00} to my name. 

Different account XX/XX/XXXX {$71.00} also stolen without warning XXXX {$17.00} XX/XX/XXXX {$79.00} All taken without warning or even a letter received before or after.
Consumer complaint received 2024-04-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DSR HOLDINGS GROUP, LLC (TN)

DSR Holdings Group contacted not only me but my father, my step mother, my step sister, and my step brother trying to get a hold of me. I called them Friday XX/XX/year>, and spoke with a representative named XXXX. XXXX was very rude and pushy. He basically told me he doesnt care about me or if I paid that its his job and that it doesnt matter if I pay {$1000.00} or {$2.00} he gets paid by how many debit cards he runs in a day. It was a 5 minute call of complete unprofessional attitude and raised a lot of red flags. Fast forward to today Monday XX/XX/year> I spoke with XXXX XXXX, the supervisor, and he was completely unprofessional as well and even told me that they wont be dealing with me anymore. It is my belief that this company may be legit but practices shady business practices. I would bet my bottom dollar that they dont follow the law accordingly based on the interactions I had with them. If its possible I would like for them to be looked into. Im also reporting them to the better business bureau as well.
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Unauthorized transaction happened through XXXX and other forms of payment. I disputed other transactions that happened the same day and time. One after another and this one was denied due to someone receiving a product. Card got lost or stolen as well and have not been able to purchase anything in this card since the incident happened. I thought I lost the card in the house but it isn't here after looking for months. I never made this purchase or received any product. Please help. This was not me.
Consumer complaint received 2024-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (FL)

I am writing to file a formal complaint against my mortgage company, Calcon, which bought the mortgage from XXXX, who bought it from XXXX XXXX ( all resold in under 3 years ) regarding what I believe to be predatory practices and a lack of transparency in their dealings with me as a customer. I have encountered several issues that have significantly impacted my ability to manage my mortgage account effectively : Double Coverages and Lack of Documentation : I believe the mortgage company has applied double coverages for XXXX policy and flood insurance at multiple firms despite my providing evidence of such doing. 

Account Access Disruption : On XX/XX/XXXX of this year, I discovered that my account access was disabled without prior notice or explanation. This disruption lasted for over a week, preventing me from logging in and managing my account online. As a result, I was unable to make a timely payment for the month of XXXX, which has had a negative impact on my credit and financial standing. 

Ineffective Communication and Support : Despite my repeated attempts to address these issues by contacting representatives in the contact center and escalating my concerns to higher-level personnel, I have encountered significant challenges in obtaining meaningful assistance. Calls have been frequently disconnected, and I have been transferred between departments without resolution or clarity on how these issues will be addressed. On top of all this, one of their senior staff contacted me pressuring me to refinance my loan from 3 % to 8 % and they would waive closing costs which just seem silly. This person at Calcon was fairly aggressive in pressuring me on the phone and saying that my mortgage would get resold if I did not refinance it and things would be very annoying for me.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (CA)

On XX/XX/XXXX Jefferson Capital LLC, a 3rd party organization, emailed me about a debt they were attempting to collect. They have submitted this illegal reporting of debt to credit reporting agencies and have caused a derogatory mark on my personal credit without legal clearance. This continues to be an ongoing issue and I have first reported this mal-practice back in XXXX with the Consumer Financial Protection Bureau XXXX My original complaint number is XXXX. Here is my original statement of facts that I continue to stand by today : On XX/XX/XXXX I canceled my XXXX account due to multiple inaccurate charges reappearing on my statement. I have contacted their company several times to correct the bill for overage charges dating back to XXXX XXXX final balance was {$500.00}. I have spoken with a variety of sprint representatives, escalation department members, as well as supervisors within the XXXX customer care team. Notations were placed on my account about the errors. I also received what they called " interaction IDs '' that prove my calls, complaints, and " solutions '' in regards to my account, they are as followed : XXXX, XXXX, and XXXX. The account was paid, but somehow was sent into collections when it should have never been sold. XXXX had no right to sell my account! 

Please assist me with getting this new agency, Jefferson Capital LLC, and any new 3rd party business hereafter who attempts to try and defraud me out of monies that they have no right to. XXXX is no longer in business and I continue to be harassed by 3rd party companies. For several years this derogatory mark have not been present on my credit report and I am appalled to see it reappear after so long- especially with it holding no merit.
Consumer complaint received 2016-04-21
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: TD BANK US HOLDING COMPANY (FL)

Our company reached out to your organization in 2014 regarding a mortgage dispute with TD bank. TD bank changed their tune and decided to work with us to resolve our mortgage issue. They renewed the loan and stated we had 2 years to remove the loan from their company. We found a bank to renew our loan and are in the process of doing so, however, TD Bank told our new bank we had {$20000.00} in legal fees. TD bank never disclosed this information to us. It 's another underhanded attempt from TD Bank to keep our property and to make money at the expense of a small business. Our lawyer charged us {$500.00} to take care of this issue with TD Bank and spoke minimally to the TD Bank lawyers. If this was a justifiable amount, I would not reach out. Please let me know if there is some sort of avenue I can pursue to address this issue. My name is XXXX XXXX, XXXX
Consumer complaint received 2024-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VANDERBILT MORTGAGE & FINANCE, INC (NM)

Company is refusing to stop tax escrow payments. I have provided New Mexico State government evidence of a military exemption and they have refused to honor the official government documents. I have enclosed the official state documents that have been provided to me by the state of New Mexico, these documents have also been logged and signed for by my county assessor office. Company refuses to verify exemption by calling XXXX XXXX.
Consumer complaint received 2023-12-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: BLINCLOANS, INC. (LA)

i just want this loan cleared off my credit report i was told it would be updated to a XXXX balance on XXXX XXXX XXXX. I call again this morning and they tell me i have to wait another 30 days even though i paid it off on the XXXX of XX/XX/2023.
Consumer complaint received 2024-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (CA)

On XX/XX/2022 I was taken by emergency to XXXX XXXX XXXX XXXX and provided with medical care covered and paid 100 % by my health insurance provider ( XXXX ). A few days before I received a bill for medical care provided and immediately called them and gave them all the information they requested about my insurance provider, medical number, etc. they told me not to worry about it because they would redirect the billing properly to my insurance provider. I never received any other notice, notification by any way of communication from any other medical care company or provider neither my own insurance until I noticed my credit report showing a debt collection from RMP SERVICES LLC for {$1000.00} the debt was on my name, and XXXX XXXX XXXX XXXX as original creditor but didnt explain the charges or services broken down nor else but merely a total amount of {$1000.00}. My credit report showed the derogatory mark due to the debt collection and obviously as consequence it lowered down my credit score. 
On XXXX decided to send a letter ( attached with the certified mail receipt and tracking number and the confirmation of delivery ) to RMP notifying them I would dispute and requesting the validation of the debt based on the Fair Debt CollectionPractices Act, 15 USC 1692g Sec. 809 ( b ).

Until today I have not received any response. 
I respectfully ask for any help can be provided in order to resolve this matter. Also I thank you in advance.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (IL)

US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/2024 You violated the United States Code law ( TILA 15U.S. Code 1666 ( b ) so check this out recently I checked my credit report and noticed multiple billing errors- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be late payments on this account. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you cant apply that information then it is false allegations and you are in violation. I demand that the items below all be updated to paid as agreed on my consumer reports. 
US Bank XXXX XXXX As a consumer by law this accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals OfficeXXXX XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely XXXX XXXX
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.