davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TX)

It is undisputed that I cancelled service with XXXX and XXXX in XX/XX/2021. XXXX was still attempting to charge me for service in XX/XX/2021. I called in XX/XX/2021 and confirmed that all cancellations were on file and they issued credits to my account to resolve the balance that never should have been issued in the first place. 

But they continued to seek payment for the same thing after all of those credits were issued. Then they referred the matter to Credence for collection. Credence has been slow to respond and has not removed the negative action from my credit report despite their receipt of documentation showing all of the credits and to support that nothing is owed.
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

Loan # XXXX my loan was transferred to Rocket mortgage on XXXX from XXXX XXXX I received a statement from them on XXXX stating that my current unpaid principal balance was {$230000.00}. After I cancelled my refinance loan application on XXXX XXXX my balance is {$230000.00}. According to the loan details on the refinance disclosure, the payoff amount was $ XXXX I dont understand why my balance went up after cancellation of my refinance loan?
Consumer complaint received 2021-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (WA)

This is regarding transaction ids : XXXX and XXXX I paid for these transactions using paypal key for convenience which is backed by my credit card. 

For some reason paypal key authorized these transactions via an echeck despite me selecting a credit card banking my key. I also had multiple other cards in my account all active and willing to complete the charge if needed. 

Paypal to reduce its fees decided to debit my bank account instead, it debited this amount twice and it led to two NSF fees of {$20.00} each. 

I tried to resolve the issue via the PayPal help feature on the side and the agent after telling me they will resolve it asked me to call. After I asked for revocation of authorization to debit my bank and they closed the chat.
Consumer complaint received 2022-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

I retained a real-estate agent to help me finance a home. I decided to buy one that was up for sale. The agent attempted to help me get financed. My credit score was too low. However, the agent insisted there was someone they knew that would get me financed. I explained to the agent that I no longer wanted the home due to my credit score. I was not able to get approved by several banks. Nevertheless, the agent insisted I would be approved by the new year of 2018. Happily, 2018 I was approved. The amount of the home went up approximately {$100000.00}, the interest rate went to a 5.25 % and works on the defects of the home ceased. When I called the realtor to report defects that were to have been repaired etc. I was told, " Well, it's your house now. '' The realtor returned to a vehicle and drove off laughing. I began to cry. 
Nevertheless, I keep my word and paid the mortgage monthly. One month before moving in, after beginning repair of hidden defects, the company began calling stating I was behind on the mortgage when the mortgage was not due until two months later ; they had sold the loan to another company who also stated I was behind on my mortgage. This continues for approx XXXX. I wondered where my money went. So I retained an attorney. Monthly fee was {$1800.00} a month. This attorney told me NOT to pay the mortgage. It lasts 22 months. Now the loan is greater than {$100000.00} behind and the company placed the home in pre-foreclosure. I want to keep my home. I am a XXXX XXXX XXXX, XXXX with XXXX XXXX
Consumer complaint received 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WA)

Citi closed my credit card after a review of my credit report without due cause or notification to me. On or about XX/XX/2021 Citi reviewed my credit and saw that my ex husbands bad debt was reported on my account. Due to that debt they canceled my card without any notice to me. When I contacted them on the telephone they refused to tell me why they canceled my card. It is my understanding that they can not cancel my card for a bad report on my credit without notifying me. I am disputing the bad credit report that resulted from my ex husband and it will be removed as it was not my debt. I was not even an owner of my ex husbands account but only a signer without any authority or ability to removed my name from the account. The divorce judgment shows my ex was the owner of those accounts. 
Regardless of my ex husbands bad credit, I had the Citi card for over 8 years without one late payment or problem. It is wrong for them to cancel my card without any notification to me or ability for me to object to the reason why it was closed. This will show badly on my credit report once they get around to reporting it. What a terrible company to do that to a good customer who had perfect payment and credit history.

See page 14, item 23.1 of attached judgment which shows that the bad debt reported on my credit was my ex-husbands - Citi closed my credit card immediately after this debt was reported. Had I known I could have fixed this months ago.
Consumer complaint received 2021-03-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BHFC Financial Services INC (AZ)

Recently noticed a derogatory debt from a repossession of a car purchased on XX/XX/2018. I never purchased a car from BHFC financial at any time in my life nor have a had a repossession of car from them or at this period of time. I bought a brand new car under XXXX XXXX on XX/XX/2018 have never made a late payment or even gotten a new car since my auto loan with XXXX started. This company is scamming people because I have never dealt with financial company in my life.
Consumer complaint received 2021-10-28
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: DFC Global Corp. (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2021-10-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I submitted a complaint previously regarding a 30 day late reporting on my credit by XXXX from XX/XX/2019. XXXX refused to remove the late because they feel they notified me by mail on a statement that I did not receive. 

My statements with XXXX are not always received on a monthly basis and they are sometimes received late. I do not recall receiving this specific bill. 

Additionally, on the bottom of the bill in tiny writing, it states that my account " may be '' transferred to Capital One. Even if I had received this statement the writing on this notice is very small and seems to be a general notice only affecting certain customers. 

I don't think it's fair for this 30 day late to stay on my credit just because they have a record of mailing out a notice. There is no record of me receiving this notice and I am stating here with penalty of perjury that I did not receive this notice. 

Please reconsider the removal of this late that is tarnishing my great credit record.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Hello, On XX/XX/2021 upon checking my account I had a balance of over XXXX. I made a few purchases on XX/XX/2021. On XX/XX/2021 upon checking my account it was a negative balance of over XXXX. 

I contacted Citizens Bank on XX/XX/2021 and spoke to a banking representative. I explained my situation and the representative placed me on hold. After returning to the call she explained that there had been an banking error with the system on XX/XX/2021 that caused several transactions to disappear from the customers account. The representative assured me that Citizens was in the process of correcting this error and the accounts. I asked the representative how this would affect the over draft balance of over XXXX dollars on my account. I check my account on a daily basis and follow all transactions. The representative responded by saying that the accounts would be taken care of including the overdraft. Not confident with this response, especially due to the significant amount associated, I asked to speak to a manager. 

Upon speaking to a manager, she confirmed that the bank did occur technical errors on XX/XX/2021, however they would not be charging overdraft fee 's to the account. I asked the manager who would be responsible for the transactions suddenly disappearing causing for confusing in the balancing of the checking account. The manager stated that the bank would not be responsible for transactions made even though their system a problem occurred with their system that caused several transactions to disappear. I asked the manager to speak with someone above her and she stated that there was no one else that I could be transferred to. 

I do not feel that customers should be held responsible for banking errors. This situation has been very confusing and frustrating and without receiving any assistance from banking representatives at the institution that you trust with your funds it is very frustrating. I would appreciate any assistance in this issue.
Consumer complaint received 2024-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

This is my second complaint as the first complaint proved ineffective. I hope this one does not. In XXXX, I had Loans 1 and 2 disbursed. In XXXX XXXX XXXX, I took out Parent Plus loans for loans 3 and 4. I asked for consolidation around XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, loans 1 and 2 were forgiven. According to the Dept. of Education, Mohela ( my service provider ) was to have adjusted the consolidation request so that loans 1 and 2 were not part of the consolidation. Mohela failed to do so. Accordingly, a consolidation loan of over {$90000.00} was issued to satisfy my four loans. But loans 1 and 2 were already discharged effective XX/XX/XXXX... so what happened to the loan amounts that were supposed to pay off loans 1 and 2? I never received the loan proceeds for loans 1 and 2 and they could not have been applied to payoff loans that were discharged effective 3 years prior. Nonetheless, Mohela inexplicable says I owe over {$110000.00} when they know 2 of the loans that were part of the consolidation were forgiven prior to consolidation and my amount should be much lower, i.e. about {$40000.00}. They have repeatedly stated they would adjust my account but do not do so. As recently as XX/XX/XXXX, a supervisor with Mohela said my account would be adjusted within 14 business days -- and it is 2 days past that deadline with no adjustment. I can not make payments on my legitimate loan amount because Mohela refuses to adjust my account, adjust my payment to accurately reflect what I owe in principle, or forward to me the consolidation loan proceeds that could not have been applied to loans 1 and 2 because they were forgiven beforehand.

I think it is clear they are violating the Fair Debt Collections Act by misrepresenting both the nature and amount of loan I owe. 

Please help and advise what other laws they XXXX be violating. Thank you.
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (UT)

I have a mortgage with PNC bank starting in XXXX. 
I lost my job in XX/XX/XXXX because COVID so I applied to skip payments to PNC website and I was approved for 3 months. After that, the benefit was automatically renewed for 3 months extra. 
In XXXX I started back to do my payments, after that, I got a letter with a XXXX  XXXX XXXX which didn't include a pre-paid envelope. I'm not American and I've never sent a letter before so I used the same envelope wrongly and I got it back. I reached PNC and they said to take a picture of the signed page and send it to them by email. After few days, they replied to me that I need to send pictures of all the pages, after few days they said the format is wrong so I need to send a PDF, after that they said I need to submit it by fax and finally I got an answer that it's too late. 
In XXXX the Loss Mitigation representative, XXXX sent me a FedEx envelope with a Conditional Trial Plan, which I attached here ( The pictures were taken previous my signature ), with another XXXX envelope to send the papers signed. I need to do these trial payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX so I included in the envelope a check with the amount. 
A few days later, XXXX said I got the envelope and I have the money, we are good and you don't need more papers. Days after that, I got another Payment Deferral Agreement, but I thought it was sent by mistake and the conversation with XXXX left it clear to me. 
On XXXX, XX/XX/XXXX, I got a check back with the amount of my first trial payment. I've tried to contact XXXX  but it's impossible and they said I was removed from Loss Mitigation. After losing hours of my time, they said I'll be called back after an investigation on XX/XX/XXXX or XXXX but I don't want to wait more and having any risk of losing my house because of the mistakes of these people. 
I've called today to XXXX XXXX as well because they are the owner of the mortgage and PNC is only an intermediate, doing a terrible job by the way .. 
The only I want is to solve this situation as soon as possible. I don't want to lose my house because a misunderstanding or a very poor job from PNC.
Consumer complaint received 2018-07-01
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. (PA)

I have the same error on my XXXX  credit report, and my Experian credit report. XXXX won't give me my credit report online because they can't identify that I'm the same person because they have my information completely wrong. 

This error is part of an account that is NOT mine. Me and my father have a similar name, and these credit reports blatantly show that and even have my birth year completely wrong and also show that I use multiple different names. 

The account name is XXXX XXXX, and the past due amount says {$870.00} dollars on my credit reports. XXXX  and Experian state that this account has been opened on XX/XX/2017.
Consumer complaint received 2021-10-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Im a XXXX XXXX who is XXXX  and on XXXX. I was XXXX for extra money to be able to pay my car loan and due to the pandemic she chose to take her child elsewhere. I have tried working with my auto loan financial company who does not refinance, and they just want to break up the past due amount and add it to the current payment amount. I can not even make the current payment amount Im three months behind XXXX XXXX XXXX now coming up XX/XX/XXXX of next payment is due they wont lower my payments they wont lower the interest rate theyve already extended it two times to the end of the loan. I need my vehicle to get my kids back-and-forth to school I dont really want to turn it in to Capital One but I cant afford the payment any longer. Thank you
Consumer complaint received 2022-02-05
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: DISCOVER BANK (IL)

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by DISCOVER FINANCIAL SERVICES ( XX/XX/2021 ) ), and I have no recollection of doing any business with DISCOVER FINANCIAL SERVICES. I contacted DISCOVER FINANCIAL SERVICES and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (TX)

On XX/XX/XXXX, I received notification from US Bank that my business account was in the process of closing for suspected irregular activity, in accordance with the terms and conditions of the Deposit Account Agreement. In the letter it stated if i had questions to contact to a number that is no longer working. ( XXXX ). Therefore, I contacted the customer service number on the back of the debit card and for 3 hours I was transferred to about 15 people that still could not provide answers. I asked if I could at least pay my account to a XXXX balance and was told since there was no local branch in my area I could : 1. ) XXXX from another account- which did not work 2. ) Wire transfer- which was not true 3. ) Recovery department could not take a payment because my account was not officially closed Then after calling back from all the failed attempts the next day ( Friday ), I was setup with a virtual call with a branch manager at XXXX XXXX XXXX XX/XX/XXXX XXXX to only be called by a banker at XXXX XXXX and was told they was not sure why this meeting was setup. When I explained to the banker that the meeting was scheduled with a branch manager, I was told no one could help me and she hung up. I called back several times with no answer. I also let a very polite email and no response. 

I called one of the 15 numbers I had been giving previously to file a complaint and of course was told someone would contact me. As of today XX/XX/XXXX, I have not heard from one manager.

On XXXXXXXX, I wrote an email to the chairman, president and CEO of US Bank to only receive an acknowledgment from the Executive communication department. As of XX/XX/XXXX, I have not received a phone call from anyone to assist me with my concerns. But only acknowledgement that they received my complaint. 

As of today, the account is at a XXXX balance but I had to pay more ( {$440.00} ), versus if I was given the opportunity to pay during the 3 weeks of denial ( {$390.00} ), run around and transferred to several different departments that had no clue of how to handle my situation. I honestly feel I was treated with disrespect which makes me feel this was done based on me being a female. No one asked me what the issue was as to why i had the return check.
Consumer complaint received 2022-02-25
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE