davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-08
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc. (OR)

I purchased a {$500.00} load it pack for my paypower pre paid credit card on XXXX XXXX. With no prior notice to their customers they added a new level of security to their process called " safe ''. 
The program was not ready to be implemented with all of the issues they were having accessing the safe program. I purchased this card to pay XXXX bills that were due immediately so I closed my account with paypower and asked for a refund check for my {$500.00} reload it pack and still have not received my refund check as of XXXX XXXX, XXXX each time I call and speak with XXXX she assures me the check is on the way and the date comes and goes with no check. I feel I have been scammed by this company and just get lied to repeatedly. XXXX months is not acceptable time for a refund.
Consumer complaint received 2023-05-29
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (CA)

On XX/XX/XXXX I purchased XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I decided that I want to pay both devices off and switch couriers to suit my financials after Covid. When I paid off the devices I have a receipt that states that The devices are paid off and my account is closed and also That I dont owe anything. But XXXX told me that they dont give out receipts when people pay off phones so I had to go in store and take a screenshot. When I switched couriers to XXXXXXXX XXXX for cheaper services on XX/XX/XXXX I had them for about 4 months or so. My wife bought me a new phone from another courier so now we no longer have XXXX we have the courier she got the phone from. The first letter I received was on XX/XX/XXXX saying that I owe a past due balance of {$600.00} and that my account is suspended for non payment. I started calling XXXX everyday and they couldnt even tell me how they came up with that amount and why am I receiving letter in XXXX if my account was paid off and closed in XXXX?. So I received another letter stating that I owe {$720.00} and my account been deactivated. So I started back calling XXXX  asking about the amount and they still couldnt tell me how I owe that amount. So generally speaking that it takes a phone company 4 months to cut off a phone line due to non payment? Why would I pay anything if For 1 I dont owe anything, for 2 I dont have the service with them, and for 3 account access was denied for me to even log on after I paid everything In full. Then threatens me to pay it or they will put the collection on my credit which they did. So the amount ended up being a collection on my credit and I disputed the debt because its not mine and it got deleted but came back with a different creditor. This collection has been taking a toll on my credit for way too long and the credit bureaus just keep saying that they validated the debt. I never missed any payment with XXXX I never had any late payment on my bill and I paid my devices off. This has to be a misunderstanding
Consumer complaint received 2020-08-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized loan Servicing ( SLS ) started servicing my Mortgage less than a year ago and SLS has made several mistakes. If i was not on top of the following mistakes it could cost me more money. 
I received a frighting letter from SLS saying all my requests were denied and i had two possibilities. one was a quick sale or a deed in lieu and they needed my answer by XXXX XXXX. I'm XXXX and don't want to leave. I called a HUD counselor and he helped me. THE FOLLOWING ARE THE MISTAKES I HAVE CAUGHT SO FAR : 1 ) I found cheaper homeowners insurance and sent the 2 page declaration to SLS. SLS paid the amount on the bottom of the first page and not the total on the second page. I managed to recoup {$190.00}. overpay from the insurance co. SlS is still showing the wrong amount of the Policy on their web site. 
2 ) I received a BPO copy from SLS and the assessment left out my garage even with a closeup picture. 

XXXX ) A HUD counselor advised me to call SLS today. As i was mentioning my concerns to the teller she said i did not have a XXXX Mortgage. I got her to look at XXXX 's website. She returned and said it was overlooked???. 
4 ) After ending our call today i received in the mail another BPO duplicate of the first one. 

I made 4 attempts to send SLS this message but their site kept erasing it. 
WHAT IS WRONG WITH SLS? I hate the thought of dealing with this company in the future.
Consumer complaint received 2020-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (MT)

I spoke directly with XXXX XXXX and discovered that I had a collection out against me so I paid it right then and there. I spoke with the customer service lady and signed up for a payment plan to prevent any further issues. She stated that they report the information every couple of weeks to the debt collector so they can remove it from my credit report. I then went back to make a current monthly payment and expressed to her that it was still on my credit score and she suggested I wait a couple more weeks. It has now been several months. I disputed the information on my credit report and they are refusing to remove the debt. It is still showing on there as well as XXXX XXXX  whom I have spoken with directly and they also are not valid collections. I would like to see these removed as soon as possible please. Thank you The company is Credit Systems Inc XXXX XXXX XXXX XXXX MT XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp. (FL)

I am writing to file a formal complaint regarding violations of the Truth in Lending Act ( TILA ) by South East Toyota and XXXX XXXX XXXX. I believe that both companies have engaged in unfair and deceptive practices related to the financing and sale of a vehicle, which has resulted in significant harm to me as a consumer.

Details of the Complaint : Description of the Issue : In XXXX, I acquired an automobile from XXXX XXXX XXXX, with financing facilitated by South East Toyota. During the financing procedures and subsequent ownership tenure of the vehicle, a series of discrepancies emerged, suggesting violations of the Truth in Lending Act. Subsequent to the Consumer Financial Protection Bureau initiating legal proceedings against XXXX XXXX XXXX, I commenced an independent investigation, uncovering various infringements of my rights under the Truth in Lending Act by Toyota. Upon discovering these violations, I promptly notified Toyota of the matter and formally requested the expedited retrieval of the vehicle. Regrettably, to date, Toyota has not taken action to retrieve the vehicle as requested.

Refusal to Cooperate : Despite numerous attempts to address the concerns with South East Toyota, including formally requesting the retrieval of the vehicle from my property due to violations of the Truth in Lending Act ( TILA ), the company has demonstrated a lack of cooperation and has failed to take necessary actions. My initial communication with South East Toyota occurred on XX/XX/XXXX, during which a representative acknowledged the request for vehicle retrieval within XXXX week. Subsequent attempts to engage with South East Toyota, particularly on XX/XX/XXXX, were met with refusal and abrupt disconnection when providing my social security number for verification. Despite repeated attempts totaling ( XXXX ) phone calls, South East Toyota persists in refusing to retrieve the vehicle or engage in constructive dialogue after verification.
Consumer complaint received 2024-06-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (VA)

I called Navient to request that they send me a School Misconduct Discharge Application. They said that they could not send the application because I was not eligible for it. The reason they said I was ineligible for it was because I previously in the past had consolidated my private student loan. I do not know if this is true or not, but the article I read about it did not say anything about this being an issue. I just would like someone to look into the matter further.
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC. (TX)

On XX/XX/2020, I used XXXX to shop for a 30-year conventional mortgage to refinance my home loan. The best rate quote from the site came from Wyndham Capital Mortgage , Inc., with a quote of 3.0 %. A screen print of the quote has been uploaded. After taking the time to provide all of the requested documentation for a loan application ( including my spouse ), I was provided no means with which to lock this interest rate. I was provided with an electronic packet of initial loan disclosures on 7/22/2020. This packet has also been uploaded. The Loan Estimate ( page 21 ) indicates an interest rate of 6 %, which is double the amount of the rate quote on XXXX. After seeing this, I attempted to call XXXX XXXX, the assigned Wyndham contact person, but was unsuccessful because her name could not be found on the automated phone directory. I also sent XXXX an email asking why the Loan Estimate contained a XXXX XXXX interest rate, while being quoted a rate of XXXX XXXX. I received no response from this person. I was asked to e-sign certain pages of the disclosure packet, but refused to do so based on the interest rate discrepancy. I indicated in the e-sign system ( DocuSign ) why I refused to sign the disclosures. I feel Wyndham Capital Mortgage has been unfair and deceptive throughout this process. My wife and I have credit scores approaching XXXX, low debt-to-income, and substantial equity in our home, so I am confident we would have qualified for the lowest rate offered.
Consumer complaint received 2020-08-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

This is XXXX XXXX. My Social Security number is XXXX. On XX/XX/XXXX, I checked my credit reports generated by XXXX XXXX and XXXXXXXX and discovered that I owed {$57.00} to a collection agency called CMRE Financial Services. I also discovered that CMRE had reported this amount as delinquent to the credit bureaus. I contacted CMRE by phone and was informed that a company called XXXX ( a provider of ambulance services ) had charged me {$56.00} for date of service XX/XX/XXXX. I explained to the customer service representative with CMRE that I never received a bill from XXXX nor from CMRE. When I asked CMRE to verify my mailing address, it was wrong in their system ( and, of course, wrong in XXXX 's system ) -- that is why I never received a bill from CMRE or XXXX, and why the debt was reported as delinquent to the credit bureaus. I should also mention that I was not contacted by phone or e-mail by CMRE or XXXX. My mailing ( and home ) address at the time was XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX. In CMRE 's system, there was a typo in my address, as follows : XXXX XXXX XXXX XXXX, XXXX XXXX. 

On XX/XX/XXXX, I paid CMRE the {$56.00} using a Visa credit card. The payment is listed as made via XXXX XXXX XXXX. 

( For the record, my current mailing address [ as of XXXX, XXXX ] is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. My current home address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. ) Because XXXX and CMRE had an incorrect mailing address for me, which resulted in my never receiving the bill, and as neither XXXX nor CMRE phoned or e-mailed me to make me aware of the bill, I strongly believe that the delinquency which thus came about, and which was reported to the credit bureaus, should be removed from my credit reports with XXXX, XXXX and XXXX
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX  is reporting an illegal inquiry on my Experian credit report. 

XXXXnquiry has no permissible cause, no loan or credit has been awarded. This a violation of FCRA rules section 1681.
Consumer complaint received 2020-06-17
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.
Consumer complaint received 2020-06-17
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time and I have derogatory items are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXX BANKRUPTCY DISCHARGED XXXX
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I received notification of a shortfall in my escrow. In XXXX I made my regular payment ( or thou I thought ) I made two payments for the shortfall and my regular payment. My bill comes for XXXX and it is not adjusted. I call and I am on hold for 30 minutes and disconnected. I call again and was told I was being transferred and would not be placed on hold and put on hold for another 40 minutes. Finally I am talking to a representative of the bank and they say they can't tell me the exact amount owed for my payment. It will take 3 days for the back office to recalculate to include the escrow and then I have to call back and find out the payment. If these banks using the current technology can't tell me what my payment is how am I suppose to avoid late fees. This waiting on on the phone for hours is not acceptable. I am paying for a service and if they cant provide me with the service they need to pay me for the time I am sitting on hold.
Consumer complaint received 2020-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time and I have derogatory items are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXX BANKRUPTCY DISCHARGED XXXX
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2020-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc (CA)

XXXX XXXX has repeatedly called me told me to go " XXXX myself '' called me 100 times called my elder mom threating her. talk to a XXXX I told him that I was a victim of id theft and that the man was arrested XXXX said he did not care was rude and said his just going to keep calling I told XXXX at XXXX that he could no longer collect because the time frame was up under California law he made up some bs thing! I again told he that the time frame by law was 4 years he was not listen or taking anything I said seriously rude XXXX arrogant! this man has violated every collection law! he said he can do what ever he wants and there nothing I or anyone can do about it!!!
Consumer complaint received 2020-08-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (OH)

I am a XXXX XXXX XXXX XXXX  XXXX XXXX veteran who currently has a VA Fixed Mortgage which is serviced by Planet Home Lending. This complaint is with Planet Home Lending 's handling of the escrow account which is a part of this mortgage. 

On XX/XX/XXXX an escrow analysis was conducted which showed an estimated shortage of {$1200.00}, resulting in a {$100.00} expected increase in monthly payments to cover the shortage set to begin XX/XX/XXXX. This shortage amount was calculated based off the estimate that the remaining property taxes owed for the year were in the amount of {$3400.00}, when in fact the remainder due at the time of the escrow analysis was only {$2300.00}, resulting in an over calculation of {$1100.00} on the part of Planet Home Lending. ( Sect B, Item 2 of Escrow Analysis Statement ) Planet Home Lending has an estimated escrow balance of {$1800.00} for the current month of XXXX ( according to escrow analysis done on XX/XX/XXXX ), when in reality according to the XXXX statement dated XXXX, my escrow balance is currently {$3000.00}, the difference being {$1100.00}. ( Table 2 of Escrow Analysis Statement ) This over-calculation resulted in the miscalculation of future escrow  requirements which is the main reason for this complaint. I will attach the escrow analysis statement and the current county tax record reflecting all of these figures, and showing the obvious miscalculation. Planet Home Lending has an estimated escrow balance of {$1800.00} for the current month of XXXX   However, according to the XXXX statement dated XXXX, my escrow balance is currently {$3000.00} the difference being {$1100.00}. ( Mortgage Statement for XX/XX/XXXX ) I attempted to contact Planet Home Lending to resolve this issue and after waiting on hold for an hour I was connected with a Customer Service Representative who could not comprehend what I have explained in the above paragraph. 

In addition to the issues above, a {$110.00} late fee has been charged to my county tax account for the late payment of my taxes. Taxes for XXXX County, OH are due XX/XX/XXXX for the second half of the previous year. According to Planet Home Lending 's records, a payment of {$2300.00} was issued out of my escrow account on XX/XX/XXXX. According to the county records the payment was not posted to my tax account until XX/XX/XXXX. I do have recourse I can take with the county in order to have this fee waived, but in order to have the fee waived I need Planet Home Lending to prove the funds were received by the county before the due date. I attempted to communicate this to the Customer Service Representative I spoke with, but was told repeatedly that it was between me and the county tax office and that Planet Home Lending could do nothing to assist me with it. 

Any assistance the CFPB can offer with this is greatly appreciated.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (TX)

I XXXX XXXX ordered furniture from Ashley home store in XXXX XXXX store in XX/XX/2020 - we receive approximately XXXX or more delivered dates - which all have been cancelled by Ashley, and now i beening told it may be delivered in XX/XX/2020 - i have no confidence this will occur - I have no couch to sit on and they want me to pay 10 % for no service, cancellation fee, Ashley furniture failed to fulifill their end of the contract, I able a student at XXXX and unable to enjoy apartment with no living room furniture and guest from out of town and they want me to continue to believe they will delivered, this is not reasonable to ask a person to have no furniture and continue to wait months and months and pay a 10 % fee for cancellation for nothing, I would like to cancel this contract with no penalty and to find a furniture store that can delivered within a reasonable time frame, I have waited on the phone for corporate for hours and no answer - this is poor business practice and I would not recommend this store to anyone, I am a student with dealing with this current panademic, this corparation is taking advantage of the situation and consumers. XXXX XXXX XXXX XXXX or XXXX XXXX email XXXX XXXX