davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (OR)

I haven't been able to access my accounts with BBVA since they transferred everything over from Simple on XX/XX/XXXX. I tried activating my account on both their website and their mobile app, and I've tried multiple times a day every day since the transfer. 
I've called every day from Sunday, XX/XX/XXXX, to today, XX/XX/XXXX. I've been on hold no less than 2 hours each day and up to 4 hours at its peak. Most of the time their support line hangs up on me. Other times I have to hang up because there are other things I need to do, and I can't fully drain my phone just sitting on hold while running errands. 
I've also tried using their chat on bbvausa.com, but it's mostly pre-scripted, " smart '' replies. I asked to talk to a person, and the system said it was transferring me. After several hours with the page open, nothing happened. Tried that twice. 
I also tried reaching out to BBVA on social media, via their XXXX handle. Several replies went ignored, but eventually a bot of theirs started auto-replying to send them a direct message with my name and phone number. I did that, but they haven't responded for 2 days now. 
I tried contacting a couple executives via XXXX, but they didn't respond. Tried their email, but I got undeliverable notifications back from their system 's mailer daemon. 
It's been almost a week now, 6 days, and I haven't been able to access any of my money.
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (FL)

On XXXX around XXXX my IP address was hacked and 2 XXXX transactions were UNAUTHORIZED to XXXX I changed ALL my bank info & the amount total taken illegally was XXXX & my bank would reverse those unauthorized fraud charges, but my ip address matched?! I filed a police report, and no one is doing anything, please help
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Conn's, Inc. (AZ)

I am trying to ressolve my complaint with Conn 's for over 1.5 years. I only purchased a Tv for {$390.00}. Conn 's have charged me interest on the amount I never took delivery on. My account has not been adjusted to reflect the removal of the {$160.00}, {$260.00} and {$79.00}. Now Intrest has occured and I should have had an lower payment when the items where removed but instead the payment stayed the same. 

I am willing to pay the amount I owe for the TV, Tax not anything else. 
I have not been working whioch I have exlained to them and recently have been placed on FMLA. I explained I wold like a new ledger showing the current charges. Conn has refused to provide an updated satement refelcting the credits for items I never took delvier or scheduled a deliver for. Infact the items were never removed from the orignal purchase and I have been charged interst for all of them instead of 1 item the TV for {$390.00}. 
I explained I can make a paymnet of {$40.00} a month and they refuse to take the payment Rather I recieved this email from them today : XXXX You have had more than enough time to pay, get all of the answers you have deflected back to instead of making the payments. The last payment has been made since XX/XX/21. Actually, it is the opposite. We are accepting less than the {$1100.00} balance that you owe. The last payment made was XX/XX/21. Have you been unemployed for the last two years? You have mentioned several reasons why you refuse to pay, can not pay and deflect away from making the payments. How long have you been without an income? Is your spouse working? What other bill can you pay {$40.00} on in order to make a full payment on this bill? 

Conn 's is abusing their rights by asking me the questions above. As I mention I am out of work on FMLA and have not been working but they do not understand. 
I would like to only be charged for what I took ownership of the TV plus tax not all these additionla fees and I want to see a new ledger reflecting the credits.
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

I started a refinance with Quicken Loans LLC in XXXX of XXXX. Loan # XXXX. I am also the XXXX XXXX on the file. Right away I had problems. First they told me my XXXX number for my company XXXX XXXX XXXX that I've had since XXXX was wrong. I called IRS and they said Quicken was wrong. Quicken then said it was not up to IRS it's up to FHA. I called FHA and a supervisor said Quicken was wrong and sent me a screenshot of my FHA XXXX number. I sent in a complaint to CFPB. Quicken backed down. 
Quicken then spelled my street name wrong. Their escrow and title company had to over rule them and correct it in the computer. They had my dba wrong. They had the funding figures wrong. I had to correct everything. 
Finally I thought we were ready to close. But this is what my complaint is about. They said a mobile notary would come to me. I spoke to the first one and set up a time. I got a call before the appointment and the notary said she'd overscheduled and cancelled. I spoke to a XXXX XXXX who said she was supervisor of closings at Quicken. Her address is XXXX XXXX XXXX XXXX Michigan XXXX. I told her I would prefer to sign at an Escrow or Title office. But they had another notary call and she said she could make it. I told her I'd like a copy of what I sign and if she doesn't have a machine I have my scanner right here. She said no. I could not copy what I sign. She said it was against the law. 
I have always been aware that a person should get a copy of a contract they sign. I've been in the business a long time and have seen every escrow or lender give a copy of signed papers to borrower. XXXX XXXX said this is their practice. 
I volunteered to meet at My bank or any escrow to sign but she said no it has to be their mobile notary. Obviously the notaries are not independent. Because they won't make a copy of my signed contract I'm not confident they are being honest or independent.
Consumer complaint received 2021-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (SC)

They have called at least 6 times from various numbers in XXXX, MN but generally leave the same VM and number to call back. Voice mails are as follows : " Our client has recently give us the responsibility of reaching out to you on your obligation this is an important message from direct recovery services this is a call from a debt collector so please call us back at XXXX it is now Friday, XXXX of XXXX and we're open until XXXX XXXX this evening. Again, this matter is important so please contact me, XXXX XXXX, directly at XXXX. WE do have multiple resolutions that are possible. Do allow me to see if we can resolve the issue. '' ( called from XXXX XX/XX/XXXX @ XXXX ) " This is a confidential message for XXXX XXXX if you are not XXXX XXXX you must hang up now hello this is XXXX XXXX i'm calling to let you know we have a new options available on your matter please understand this is important in fact it's very important but you must respond if you'd like to resolve this today Thursday XX/XX/XXXX and I'll be here in the office until XXXX EST the phone number I can be reached at is XXXX our options are as follows on your balance of {$370.00} a 50 % settlement of {$180.00} a 55 % settlement and three payment to 65 % settlement ant 12 payments of {$20.00} settlements must be set up within the next two days call XXXX we are willing to work with you however we are also obligated to report back to our client. '' ( XXXX XX/XX/XXXX @ XXXX ) There are other voice mails as well : XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX they ask you to go to direct recovery services, which is a spam site of direct recovery
Consumer complaint received 2021-05-14
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. (PA)

Hello, my name is XXXX XXXX, and I am contacting you because I was wondering why these fraudulent accounts are still showing up on my credit report. I already went through the dispute process and sent in all documents necessary 30 days ago. I sent in my ID, social, Identity Theft Report, I am wondering why it is still not off my report, can you remove it off my report completely.
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

The original debt was owed to XXXX XXXX, XXXX. Hes located in XXXX, CA. He did a root canal for me in XXXX of XXXX. I made the first payment but missed the next because I was in a car accident. I received a notice from Rash Curtis and Assoc in XX/XX/XXXX that they were now assigned to collect the debt. I mailed a request to verify the debt shortly after and never got a response. On XX/XX/XXXX I logged in to my account on Rash 's website. The total amount owed was {$840.00}. I then paid that amount in full. My account showed a balance of XXXX  dollars and XXXX  cents. The total amount owed was paid in full. I have included the receipt that shows the {$840.00} was paid in full. Within weeks of paying the debit in full I received notification of a second amount, also {$800.00} that was owed. I only had one root canal, not two. An additional {$800.00} should never have been added on. The whole debt was paid in full on XX/XX/XXXX. At that time, the collection account should have been closed. I requested verification of the second amount from Rash via mail, to cover my bases, and got no response. They even put a collections account onto my credit report at the end of XXXX for this additional {$800.00}. It seems like they did that to try and extort more money out of me. This debt was paid in full on XX/XX/XXXX.
Consumer complaint received 2021-05-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A. (NJ)

There was an application I was thinking about submitting with PNC bank. The submit button was not hit by me as with further research, I found that PNC has poor products and rates. Some how the application went through. I called PNC and they would not start a dispute of credit inquiry, also would not tell me which credit bureau they used when accidentally application went through. I want this inquiry stricken off my credit report as it was not my intention to apply. The bank is confused and answers no questions, transfers to other departments without resolution. This again was not my intent to apply with them, I want the inquiry taken off my report. It happened on XX/XX/2021.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (GA)

As of XX/XX/XXXX XXXX XXXX my credit bureaus have added a new hard inquiry from an unknown authority. The XXXX XXXX inquiry did not come from any inquiry of my doing.
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TX)

When my Simple bank account transitioned to BBVA I lost access to my account. This was after being assured for months that we shouldnt run into any issues. I have tried calling BBVA three times now. The first time I was asked a verification question that there was no way I could answer- they asked when did a company last direct deposit into your account I have no idea. I have been freelancing for 5+ years and have payments deposited into my account in a variety of ways. The last time I worked for a company that had direct deposit was in XXXX so I provided that info only to be told that I had FAILED the verification process, then was hung up on. Another call and hour on hold and I get through to someone else, am able to get through the verification process XXXX suddenly they are happy to ask me other questions? ) but Im hung up on in the middle of it. Then again this morning I try calling, am on hold for almost an hour, and am hung up on before even reaching someone. This is absolutely insane. Over the past week I have already missed two major bill payments and have spent hours of time that I should be working dealing with this issue that just can not seem to be resolved. I would have no idea if my account was compromised to right now, if someone is making charges to it, nothing. This is extremely unsettling and seems illegal. I suddenly have zero access to my money after years of banking with Simple and not having a single issue. I am now hearing that I should just go to a branch to resolve the issue. I guess they forgot were still in a pandemic- and while I understand most people are now out and about, Im *actually* XXXX  right now and am waiting for XXXX test results. So Im gathering that my only option to access MY bank account, is to potentially with XXXX ( or at least some type of XXXX  that could be XXXX XXXX XXXX drive down to a bank?! I havent been inside a bank since I got Simple in 2016. Didnt ask for any of this, and cant believe how irresponsible BBVA has been with our money and our time.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : 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
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

XXXX someone stole and used my debit card to deposit fraudulent checks into my account and withdraw XXXX from the atm over the 2 days. I notified the bank as soon as I received a text from bank my account had been overdrawn which was the very next day. The bank then froze debit card and put fraud block on account. They told me they would investigate and I dont need to do anything else and issued me a new debit card. I ended up calling the bank over 10 times and going into a branch over 5x to resolve this matter. My home branch opened a new account for me as I was a long-standing customer with excellent history and told me that I could use new account while their back office investigated the fraud. The branch forwarded my police report over to XXXX back office twice and opened two new disputes. I get letters In the mail saying its consistent with regular activity despite me immediately notifying them it was fraud and I have never once used my card at the atm they told me the funds were stolen from. The bank has also taken all money that I deposited into the new account that was to be used for my bills although the branch told me the new account was safe. The bank has been doing collection calls as if this is a debt for me but this is fraud that was reported IMMEDIATELY after it began. The fraudulent checks also bounced so much account is negative and I am not liable for this. I have agreed with the bank to help them with criminal prosecution and gave them everything they requested. Please help me! They should not be taking my money and it needs to be returned to me and I also would like my account ( old or new ) back in good standing.
Consumer complaint received 2022-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I received a loan modification from select portfolio services Bank in XX/XX/XXXX. I then completed the 3 month trial mod, paying ahead of time. 2 months after that sps demanded my ex husband 's signature to complete the modification. I can not produce that, as I have a final restraining order against him for severe XXXX  XXXX. He had attempted to XXXX  me..sps knew this beforehand and agreed to the mod and accepted my payments. Sps refused to take more payments in XXXX XXXX then sent them a Notice of Error in XX/XX/XXXX. They had 30 days to respond but did not respond. At this point, they are attempting to foreclose on my mortgage. Please help, as survivors of XXXX  XXXX, my children and I need our home. I have lived here for XXXX XXXX 
Also : I had filed a complaint with XXXX XXXX XXXX XXXX in XX/XX/XXXX, they accepted and worked with me to get the modification. It was several months after sps took my payments and I honored the mod, that sps denied my money. Also sps called my homeowners insurance and told them that the home was vacant in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The home has never been vacant, I have resided here every single day and kept the property in pristine condition. Sps committed many acts of fraud against me. Please help. Thank you so much for your time.
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (UT)

On XX/XX/XXXX a debt of {$1200.00} was placed for collection by the XXXX XXXX for an apartment in XXXX. I was notified via email from Experion of the collection efforts by XXXX XXXX XXXX XXXX. I contacted the collection company and XXXX XXXX in XXXX of the fact that this was not my debt and that I had notified XXXX of the problem. No farther communication from the collection company and XXXX XXXX has been received. I received another email from XXXX that the same debt was placed for collection with XXXX XXXX XXXX in XX/XX/XXXX. I have contacted XXXX again. I have lived in Utah for over 62 years and have never lived in XXXX This is a case of Identity Fraud.
Consumer complaint received 2021-05-13
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: EQUIFAX, INC. (IL)

I applied for financing with only TWO finance companies. XXXX XXXX as well as XXXX XXXX. When applying i made very clear I ONLY AUTHORIZE THE MENTIONED FINANCE COMPANIES TO RUN MY REPORT. When lookin back there are multiple reported inquiries. I contacted credit bureau and was advised to call dealerships. I called XXXX and was advised they only ran through their private financing ; XXXX XXXX. I also contacted XXXX XXXX who also advised they followed instruction and only ran through XXXX. So i contacted bureau back to advise response and confirm fraudulent inquiries during that time and they state despite me confirming fraud i do not have a right to dispute because i authorized the two mentioned companies to run which is inaccurate and against the Fair Reporting Act as I NEVER AUTHORIZED ANY OTHER INQUIRIES!!
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Dear Experian, I am writing to request the removal of a late payment from my credit report. The account in question is XXXXXXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

Experian is reporting addresses that do not belong to me. These addresses are linked to identity theft. In addition, there is a name that does not belong to me and I would like to have it deleted as well.
Consumer complaint received 2021-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I received a letter from commonwealth financial systems about a debt collection. I did my research and found out that the debt was related to medical services. I contacted the medical provider, they never provided services to me ( which I already knew ), contacted the previous creditor and they said they could not provide any information even when they confirmed my case number. The current collector commonwealth financial systems try to convince me that the debt was mine because they had all my information on the case until I confronted them with evidence and prove they were wrong and ask the for a itemzed invoice. Tree weeks later I received a fake itemized invoice with fake information which was showing that the services were provided to a different person. I call back and all they said was that that made a mistake and hang up the phone. This is something that has to be investigated because doing my research I found out I was not the only person with the same problem with this company. They are trying to scam people and the worst part they have all your personal information home address, social security number date of birth phone numbers and you don't know if there will be future fraudulent intents to do the same.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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