davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

I received a form 4506-c from discover on XX/XX/XXXX. After I realized that it was not a spam email and was in fact from discover, I filled out this form and submitted to discover on XX/XX/XXXX. I was taken to a confirmation page, but received no confirmation email. I expected to receive a response, but no response was received from discover. On XX/XX/XXXX discover closed my credit account with them. I sent an email regarding this erroneous account closure on XX/XX/XXXX. They called back saying there was nothing they can do to reopen the account. I have tried to resolve the issue by calling into the discover executive office on several occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and providing proof of income or paystubs to verify my income due to the technical issue with XXXX  not receiving my 4506-c form, but I keep getting vague or inaccurate answers on the next steps to take to dispute this error. On XX/XX/XXXX I spoke with an agent that informed me she would be asking a supervisor to reach out in 24-48 hours, but that most likely the account will remain closed as I never received a confirmation email from XXXX.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NJ)

Good afternoon, I applied for a mortgage with XXXX bank and they did a credit check and there is an American Express card on my credit report showing a balance of {$500.00}. I dont have an American Express card and I have never apply for an American Express card therefore this American Express card shouldnt be on my credit report. 

Kind regards, XXXX XXXX
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX my husbands company gave him a check for us to get XXXX presents, my medication, and other things. I deposited the check on XX/XX/XXXX on the Wells Fargo app. It said {$400.00} would be available at that moment then the rest would deposit XX/XX/XXXX. That to me was fair. I woke up and the money wasnt there. They said it would be deposited in 7 business days which is really longer because of the weekend. Everything in our account was going to bills because I started paying bills immediately. I called spoke to managers who have in the past over rode the system so we could have funds available. We asked to reverse the check so we could go cash it at the bank that issued it. They would not let us. The manager was rude to me. Very rude. Several managers said they could help us but when calling that department they decided they didnt want to help us. They could but they didnt want to help us. They told me they use to be able to over ride these long holds but cant now. I asked why are yall moving backwards. Seems that over riding these in emergency situations especially when its a check from the same company that direct deposited in our account twice a month.
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (AL)

I have a XXXX XXXX credit card issued by U.S. Bank. My card has been inexplicably been declined over 3 times. The app wont let me log in due to technical difficulties. I called them and was on hold for over 20 minutes. I am not sure what is going on but hope someone can give me some answers.
Consumer complaint received 2021-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

After sending a formal complaint with the CFPB back in XXXX, the company that is servicing my loan number XXXX, SPS, decided to offer us a loan modification. I asked multiple times what type modification could SPS offer and I was told that we had to pay three consecutive payments in a Trial Period from XXXX to XXXX before sending a definitive proposal. Today, we received the loan modification agreement which is not sound, looks blatantly illegal and financially abusive. When we applied for a loan modification we properly informed SPS that my husband is battling XXXX and we needed to lower our payments but we were denied refinancing due to a high debt ratio. 
Today, this unscrupulous company named SPS presented its offer, asking us to extend the length of the loan 8 more years, which sounded acceptable, PLUS PAYING, an additional balloon payment of of XXXX at the maturity date which is overly abusive. IF THE LENGHT OF THE LOAN WAS EXTENDED A BALLOON MUST NOT BE APPLIED. 

If the loan was extended an additional 8 years, overcharging a person with an extra balloon payment is basically usury. I am also requesting a detailed explanation of all the money disbursed during the trial period and how this money was applied to the escrow account and the principal and interests.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I opened a Money Market account with Huntington Bank. At some point due to withdrawals, the balance fell below {$25000.00}. Huntington moved my money to a different type of account without my knowledge or consent. A Huntington employee told me that there were no signatures when the money was moved to the account with the service charge, and started charging {$25.00} a month service fee. If I was aware or had been advised of the situation I would have made sure the balance in the money market was at the appropriate level, or moved the money to a different account which did not cost me {$25.00} a month. This situation went on until I accrued over {$400.00} in monthly service charges. I did not check my accounts because I believed that there were no service charges with the money market account. When I spoke with the branch Mgr he said that I did sign documents that said I was aware but I have never signed any documents advising me of a different type of account or allowing them to move my money to an account which charges $ XXXX service charge.
Consumer complaint received 2021-08-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (PA)

Under complaint number XXXX this company is willfully violating my rights as a consumer under the truth and lending act Title 15 U.S.C.1611 this issue has now damage my reputation as a consumer because this company is trying to enforce a position in a contract that is void due to the furnishing of deceptive forms under Title 15 U.S.C.1692j. This company has outright lied about being creditors or having any security interest in a contract with me because they have never lended me anything nor were they present at consummation of the contract. This company is committing identity theft and has no regard for the rights of the consumer.
Consumer complaint received 2021-06-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MA)

Specialized Loan Services sent a letter back in XX/XX/XXXX about a modification. Which I already did one with the previous mortgage co. back around XXXX '. Called them on XX/XX/XXXX spoke with a customer service rep. and she hung up. I called back and got another rep. which the male answered then hung up. I then called on XX/XX/XXXX an spoke with a male rep. explained didn't owe no {$18000.00}. that would be about 2 years of back payments. Which I only been with Specialized Loan Services for about 2 - 2 1/2 years. 
Also, stated why were my payments not posted correctly. Which would go done as credit then as a negative showing no payment received. The male rep. stated was posted to account and that now balance was down to {$15000.00}. past due. In which I stated again was incorrect balance past due. Plus, I also stated that had already did a modification with previous mortgage company. Then the male rep. advised that I wouldn't be able to apply for a modification, due to lack of being on unemployment. I know that Specialized Loan Services ( SLS ) has only been in business since about XXXX '. Also, they have had Class Action Lawsuits against them in other states.
Consumer complaint received 2021-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (MO)

I rented a XXXX XXXX from XXXX rental car at the XXXX XXXX XXXX in XXXX, XXXX on XX/XX/2021. At that time I picked up the car, no one from XXXX took the time to review that car for any damages. I personally went around the car and did not see any apparent damage to the vehicle. I returned the car to the same airport on XXXX, XXXX, XXXX. Once again, no one from the XXXX rental agency took the time to review the vehicle. I once again walked around the vehicle and saw nothing different from when I picked the car up. Roughly a XXXX later on XX/XX/2021 I received a letter from Viking Billing Services ( XXXX XXXX XXXX XXXX, XXXX XXXX ) claiming that I owed {$1200.00} for vehicle damage. This is quite clearly a scam. I am starting this route first. My next communications on this will be to the attorney generals of XXXX and XXXX. Since XXXX failed to do any due diligence in inspecting the car either going out or coming back in, I see no basis on which they can make this claim. My next resort if that fails will be to hire an XXXX and seek damages for this clearly transparent attempt at insurance fraud. ( This is my complaint posted with the XXXX ). Next step is the FTC, the XXXX  and XXXX  Attorney Generals, and the XXXX XXXX XXXX XXXX. And, I am sure I can find others. 

I attempted to work with XXXX ( the owners of XXXX XXXX XXXX ) and they basically said there is nothing they can do. 

This company has a XXXX rating with the XXXX and if you google " Viking Billing '' you will come up with a great deal of hits for fraudulent collection attempts.
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST MORTGAGE COMPANY (NC)

We have a mortgage financed with First Mortgage Company LLC on XX/XX/XXXX. 
Recently we received a letter from XXXX  dated XX/XX/XXXX claiming they provided the funds to XXXX and XXXX is the owner of the mortgage. XXXX also sent a notice dated XXXX XXXX stating that our loan has been transferred to XXXX XXXX XXXX due to legal issues with XXXX president. 

Shortly thereafter we received a letter dated XX/XX/XXXX from XXXX refuting the XXXX claim and stating that First Mortgage is still our loan servicer. 

XXXX XXXX sent us an invoice dated XX/XX/XXXX claiming that we are delinquent in the amount of {$8700.00} for the months of XXXX, XXXX and XX/XX/XXXX. We responded with proof of payments ( to XXXX ) for the aforementioned months and XXXX verbally agreed that we are current with our payments but should send our monthly payments to them. 

We are caught in the middle and do not know who is the actual owner of the loan and to whom we should send our payments. We have never missed or been late with a payment and do not want our credit rating affected by issues beyond our control.
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I only applied for a car loan from XXXX XXXX XXXX and I only applied for a mortgage from XXXX XXXX. However I have the following XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2020 XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2021-12-10
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. (OH)

I reported this to Equifax and XXXX. This fraudulent account keep returning onto my credit report and it cause me to not close on my home. I would for this issue to resolved and removed immediately from my Credit report! I did file an FTC with a reference # XXXX
Consumer complaint received 2021-12-10
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. (OH)

I reported this to XXXX and Experian. This fraudulent account keep returning onto my credit report and it cause me to not close on my home. I would for this issue to resolved and removed immediately from my Credit report! I did file an FTC with a reference # XXXX
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MN)

PayPal held my money for 6 months with a promise to contact me on how to get the balance afterward. I never received this message and lost over {$600.00} in the process. They are blocking my account from withdrawing and they ALSO blocked me from contacting them so I cant even reach out to them to withdraw.
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I XXXX XXXX XXXX checked my consumer report on XX/XX/2021 and I noticed some damaging information that was listed on my consumer report I then reached out to the agencies that were reporting the false information to correct the situation but they refused to do so
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

I XXXX XXXX XXXX checked my consumer report on XX/XX/2021 and I noticed some damaging information that was listed on my consumer report I then reached out to the agencies that were reporting the false information to correct the situation but they refused to do so
Consumer complaint received 2021-08-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Resolution Corporation (MO)

The company is unable to provide a detailed bill for services on the dates the service was provided and what attempts they made to bill insurance. The company Is Account Resolution Corp Address : XXXX XXXX XXXX # XXXX, XXXX, MO XXXX Phone : ( XXXX ) XXXX-XXXX  I believe they have violated 45 CFR 164.508 Section 4.
Consumer complaint received 2021-12-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Hello, I am filing this complaint because of a collection account that was placed on my credit report in error and deleted over 3-4 times only to reappear once again recently. This negative account has not only affected me financially but has taken a toll on my general well-being due to the continuous stress it has caused me. It has also prevented me from being approved for housing, a necessity. This collection item was initially placed on all three of my credit bureaus reports however after providing proof that it was incorrect, the account was deleted from all three only to reappear on Equifax and XXXX several times since then. I have spoken to Equifax and XXXX representatives each time it would reappear, and it would be deleted after providing proof that it was indeed erroneous. This account has been deleted in re inserted each time without any notification. I can call Equifax and XXXX yet again and do and dispute by phone but at this point its getting pretty redundant. The account is listed below. 

XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) Acct # : XXXX The collection Item is from an apartment complex that I have never lived at before. The most recent proof I have submitted to the bureaus is the attached document that they, the apartment complex, has sent me stating that they have no documents or records in their systems under my wife XXXX XXXX and myself XXXX XXXX. This document was sent certified mail to Equifax and XXXX. The item was deleted. I was never notified when this account appeared originally on my reports nor was, I notified each time it was re-inserted on my credit file. I have been doing research and found that the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. I was never notified when this happened. It was only brought to my attention when applying for credit and being denied. Can you imagine the stress  and embarrassment this has caused me time and time again? I applaud XXXX for deleting and doing what is right and not violating my rights as a consumer. However, Equifax and XXXX need to do the same. This whole ordeal has just been an ongoing travesty. 

Most recently ( XX/XX/21 ), I sent a certified letter to this creditor demanding all information they had pertaining to this account as I am seeking counsel if I can not get it resolved and I have yet to get a response. Attached you will find copy of email from the original credit stating this is an error because they do not have me in their system, also a cop of the certified letters sent to XXXX, Equifax & the original creditor. 

The only resolution is for XXXX and Equifax to delete this account from my credit report for good and to never reinsert it again. Just as XXXX has done.
Consumer complaint received 2018-07-08
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: Early Warning Services, LLC (NJ)

To Whom this may concern : The company has flagged my name for fraud and warning. The company did a investigation and did not remove the mishap. Although I know its the companies responsibility it is not my fault and I shall not be punished for this.
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (GA)

I have a mortage with Chase Loan # XXXX. My wife has been XXXX for greater than 10 years, I closed XXXX XX/XX/XXXX as a consequence of the financial crisis during the preceding years. On several occasions, I have had to withdraw funds from my 401K to cover expenses including my mortage. Chase turned me down for assistance 2 times. XX/XX/XXXX I sought the assistance of an attorney ( XXXX XXXX XXXX ) to assist with the difficulties in gaining mortage assistance form Chase and they turned me down agian. I am cChase and other mortage lenders accepted bailout money during the national financial crisis -- -however ChaSE they selectively applied assistance and used funding to increase their profits. I wish to file a complaint against them. 

Thank You, XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (OH)

IC System XXXX Payment Status on my report notates this account as a charge off, if this is correct, where is the required late payment reporting? There is no reporting of 30-60-90-120 etc. days past due as required to report a charge off on my credit report. 


REMOVE THIS ITEM IMMEDIATELY
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2015-07-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Halsted Financial Services, LLC. (GA)

Continuous robo calls using different phone numbers with the same or similar message : '' This call is solely intended for XXXX XXXX. If you are not XXXX XXXX, please hang up now and disregard this message. File number XXXX, ( or a variety of other numbers ), which was placed with XXXX or XXXX XXXX XXXX has been escalated to our final review department due to the lack of response from the required respondent. A full review of this file is being conducted by one of our loss litigation specialist and a recommendation of action to our client is imminent. In order for your personal statement to be included in this review press XXXX ( or XXXX ) now to speak to the representative responsible for conducting the review, or call us at XXXX ( or XXXX, XXXX and other phone numbers ), immediately upon receipt of this message. Failure to respond will result in a recommendation being submitted to our client without your personal statement being submitted. " These calls come from a variety of phone numbers with area codes from mostly XXXX, and XXXX. 
I am not XXXX XXXX, and have never heard of Halstead Financial Services. These calls seem to come in " batches ''. I receive these calls several times a day from different numbers, for several days a week and then wo n't receive a call for maybe a week, then it the cycle starts again. I have deleted many of the calls or messages, but what I did save goes back to XX/XX/XXXX. 
These calls are mostly to my cell phone, but a few have been to my home phone also.