davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
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)

U S DEPT OF EDXXXX Account number XXXX Balance XXXX U S DEPT OF ED/XXXX Account numberXXXX Balance XXXX Address XXXX XXXX XXXX XXXX XXXX, IA XXXX the account is report twice with different amounts and past do I do not know this company and have never done business with them
Consumer complaint received 2018-07-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NY)

I was called repeatedly by AMCA in regards to an unpaid medical bill I was not aware of. The bill had been sent to an old address and my name was spelled incorrectly in their system, so the bills didn't make it to me. The only notification I got was that the bill was in collections. I then started receiving daily phone calls from strange numbers with no voicemail messages or identification. I ignored all of these calls, as I always do from strangers without a voicemail, even going so far as to block one of the numbers, only to have it replaced with a new one the next day. When I finally picked up the phone out of frustration, they explained my balance and said I had no option but to pay it ( despite the fact that I was in communication with the insurance company over re-billing ). I begrudgingly set up a payment plan to get the bill off my plate ASAP. Now almost 2 months later, I assume the bill is paid off and done, and I get ANOTHER call from AMCA saying their tech messed up while setting up my previous plan and asking me to set up a new one. So because of their error, my payment schedule has been extended and I had to take time out of my job to set it up. I understand they have a job to do, but one would think they could do it in a professional and timely manner. If there was an error with my payments or the plan I set up, AMCA should be required to alert me immediately so I can remedy the situation, not pass the baton to me 2 months later.
Consumer complaint received 2020-01-29
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (CA)

I received a notice from PHH Mortgage Escrow Services who took over my mortgage loan from XXXX services in XXXX of XXXX. I received a notice from PHH, dated XX/XX/XXXX, that claimed I owed PHH {$170.00}, for an escrow shortage. However, the notice did not reach my mailbox until XX/XX/XXXX. I contacted PHH immediately and informed the representative that, XXXX, the previous mortgage company had already re-accessed my escrow and charged me {$75.00}, in XXXX of XXXX. PHH representative, on my initial call, in XX/XX/XXXX told me she could see in their records what I was telling her, and that she would send a notice to escrow for a " correction. '' I have called PHH several times ( 4+ )  and each time I'm given a different date for an answer. the last date I was given was XX/XX/XXXX. I checked on line, called PHH, and keep a close eye on my mail with USPS, but still no answer! I called PHH today on XX/XX/XXXX, the representative told me Escrow just put in a note on XX/XX/XXXX, stating they do not have my Escrow information from my previous servicing company ( XXXX ). To date, I have paid escrow shortages to XXXX and to PHH totaling over {$250.00}. If PHH has taken over my loan from XXXX, it is their responsibility to make sure they have all the documents needed in order to collect money from me! since PHH took over my mortgage services, I am now paying an additional {$30.00} per month in excess of the initial increase from my previous mortgage servicing company. My monthly mortgage has increased in less than one year to nearly {$60.00} per month between the two errors!!! I am on a fixed income, and can not afford this increase in my mortgage payment from PHH!!! I attempted contacting XXXX  for PHH, and was put on hold today for over an hour and then cut off!! I have been trying to rectify this situation with PHH mortgage servicing since they sent me the notice of an escrow shortage in XXXX of XXXX. I have NEVER received anything in writing from PHH, no courtesy call, nor am I able to access ANY of their escrow information on their website. Yes, there is a balance they show in my escrow account, and the amount they paid to my first installment for property taxes, but when I make a payment specifically to PHH mortgage escrow, I expect to see evidence of that immediately on line or somewhere in a statement!!! I have paid PHH {$170.00}, for a so called escrow shortage and have not received any answer for this error!!
Consumer complaint received 2023-01-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

USAA refunded a portion of an active automobile insurance policy that I havr paid for in full for a XXXX month duration in order to cover a credit card debt that was about {$500.00}. They provided no warning in advance that they would cancel a contractual and legal automobile policy to satisfy a small debt. I am permanent and totally XXXX as determined by the VA. 

Unknowingly, I was aware that I was without coverage since the close of XXXX, 2022. Should I have been in an accident escorting my pregnant wife and children around everywhere, I would have been without coverage. Was this really worth around a {$500.00} charged off credit card? And, I was given no notice. 

USAA effectively, deliberately, and carelessly endangered my family. I believe they are in violation of several Hawaii Revised Statutes and would have been responsible for the administration of such violations of law for improperly notifying me of any of this and taking such darastic measures. They seemed to have filled my shoes to break the law for me.
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX I received a letter from XXXX XXXX making such false claims that shes available to speak with me any time concerning my mortgage. Only to find out is that she may not be an individual currently employed at Wells Fargo because Ive tried reaching her dozens of times @ XXXX XXXX XXXX and it goes straight to Voicemail dated XX/XX/XXXX. Plus she has lied claiming that I was continuing getting calls because someone wanted to speak with me pertaining to my mortgage. After already knowing the fact that I had an Attorney by the name of XXXX XXXX to whom I had to fire because he lied to me prior to taking on this case claiming that he had absolutely no associations with Wells Fargo. Only to find out is that he has a Bank Account with them and was working undercover with them to set me up. And the so called XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Ext XXXX keeps avoiding me and hasnt returned any of my calls and this is inappropriate behavior coming from supposedly professionals. And Im willing to try and work things out with Wells Fargo but they continue to play games and cater to XXXX XXXX as my attorney whose a former XXXX for a Former Ruthless District Attorney. Im requesting that these Wells Fargo Employees be investigated for their illegal activities and that a Manager or a real higher up official gets back with me because XXXX XXXX and XXXX XXXX are just customer Service Represenatives who only works in a cubicle
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I booked a hotel stay in XXXX XXXX XXXXXXXX in XX/XX/XXXX for a trip in XX/XX/XXXX. I was billed in full ( nightly rate/taxes/fees ) after the reservation was made. Upon checking out from the hotel, I received a Capital One app alert of a charge from the hotel. I received no additional communication from the hotel regarding the charge. I contacted the hotel and after several back-and-forth email exchanges, I was told the charge was for taxes/fees. The hotel was not able to address my question as to why I was billed taxes/fees twice, once at the time of booking and then the second time was upon checking out from the hotel. I then contacted Capital One Travel since that was the venue where the reservation was made. The agent was not able to answer my question either and contacted the hotel while we were on the call. She came back with the same answer that the hotel had already provided to me although I had informed her of my communication with the hotel in the beginning of our conversation. She wrapped up the conversation with she could not assist me further. 
Since my question was not answered by either the hotel or the travel company that sold me the hotel nights, I decided to file a dispute through Capital One Credit Card. The investigation took over 4 months including multiple lengthy phone calls with different agents and supervisor as well as providing supporting document. In my last conversation with the supervisor, he seemed to understand the issue and told me they would reach out to the hotel and ask for an explanation to the doubled charged taxes and fees. 
On XX/XX/XXXX, I received an online document from Capital One. To my shock, I was being told of the exact same thing they had told me in XXXX, which was I did not supply sufficient document to justify my dispute. I am at a loss at this point and decided that continuing to work with Capital One is a loss cost.
Consumer complaint received 2018-11-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Texas Guaranteed (TX)

Dear Sirs : I have just started a new job with XXXX XXXX as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My very first pay check starting this new job and I mean the whole paycheck from this work for the month of XX/XX/2018 has been taken and I mean all 100 % of it as a payment to Texas Guaranteed student loan! 

Ive made payments to them in past sizable amount to no avail ore even a dent ever made to the principal. They are an out of touch and carelessly, corrupt and unregulated because their interest rates are not realistic to student abilities to ever catchup and depend on small payments to sustain and prolong the misery to students. 

Also corrupt is the Treasury Dept willingly giving my entire paycheck to the pigs at Texas Guaranteed. The latter literally refers to 100 % without any warning or rule or regulation making it a reasonable percentage portion, but instead all of it was taken. Is there no percentages that limit amounts? How can it be the total earnings? Where is tax payers government when needed if our very Federal Treasury Department is doing this for rich corporations intoxicated by anything goes tactics?

I have bill realities to contend and attend to and one of them is insufficient funds and accumulating charges versus income and an appropriate balance to be kept. One of them is my son going to college himself this spring. 

The whole check of a months worth of work is gone without notice of its being taken or even a 40 % amount would have been impactful, consequential and resonable enough but the whole paycheck? 

Why has the federal government allowed this to be carried out as such? Versus a reasonable and understandable amount? The latter is counterproductive to domestic down to earth income and survival. Why did the federal government take a full income and feed it to a loan corporation in its entirety? Why was I mistreated to a 100 % garnishment? Is it some kind of a backwards lesson to an already vulnerable poor and lower class prejudice that clouds financial realities? Why do the treasury carry this out for a corporation when they could have taken a portion? 

Sincerely, XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-12-27
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. (FL)

Please review my uploaded documents this complaint is for false reporting misleading information this is XXXX XXXX and no one else is filing this complaint for me
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2020-11-05
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: Credence Resource Management, LLC (TX)

I canceled my XXXX XXXX XXXX XXXX XXXX service in XXXX and switched over to XXXX. During that switch over their was a problem with XXXX XXXX XXXX switching my home phone number over to XXXX. I could not cancel my XXXX XXXX XXXX service until this was completed because of my age and health, I nee a land line. A day after the phone number was switched I cancelled by XXXX XXXX XXXX service. XXXX XXXX XXXX continued to bill me for service that I did not want, need or used during this time. I contacted them numerous times and one accounts supervisor said he would reverse the charge and close out my account. This never happened and my account was turned over to Credence XXXX XXXX debt collector ). I received a letter from them trying to collect this unpaid balance and I wrote back and explained the situation to them. During this time Credence reported by account as delinquent even though it was being disputed, {$250.00}. My credit rating has dropped from just under XXXX to XXXX because of this.
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastpoint Recovery Group, Inc (NY)

Around XX/XX/21 my adult daughter who is a business woman, said a woman called her and asked for information about me. My daughter said the woman was extremely rude and thought my daughter was myself, My daughter told her she would not give out information about me to this rude woman! I later recieved a voice mail on my phone from this woman who was yelling that she sent someone to my address and I was not there! She continued to yell a say I need to contact her because the will be serious consequences, My daughter has her own home, so this woman searched for relatives with the same last name as mine and used bullying tactics, This is a credit card debt I could no longer pay due to job loss and a recent divorce.
Consumer complaint received 2018-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings (CA)

On applying online for an installment loan with SPEEDY CASH on XX/XX/18, I was told to go to my local store in XXXX XXXX CA, which I did on XX/XX/18 ; this after calling the store to inform them that my ID was New York issued with a California address, to which I was informed would be " no issue at all '' for approval. On arrival to the store, low and behold, the staff wasted an hour of my time calling in to their center, informing me that they could not help me in store due to my ID ( which I had explained the issue of in depth before going to the local store ), but that I would be approved via the phone number given my income and other credentials. So, I phoned the XXXX staffed line and the agent pulled me up, ran my information stating that my NY ID would be of no issue, and then stated I was declined with no reason given - but then told me I would " probably '' be approved in store! She stated I would receive decline reasons via email, but the only email I received stated once AGAIN to go in to my store for approval. SpeedyCash has wasted a great deal of my time and money today, and I am in need of immediate assistance from an executive level employee. 

This has been a terrible experience, bordering on what I view to be a scam, as now these stores and agencies have all of my personal banking information, debit card information and ID, only to tell me I was not approved for which is likely the issue with my old NY ID ( I have just permanently relocated to California after a long school stint here and do not have my CA ID yet, though have my vehicle registration and proof of address here in California, which was requested prior to me going in to the store ). 

I am extremely dissatisfied and require immediate executive level intervention to get this loan approved, as stated by staff. I am requesting immediate executive level assistance in aiding me in the approval of this loan. Please reach out to me urgently at XXXX to discuss resolution to this matter. Thank you.
Consumer complaint received 2020-12-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (GA)

I co-signed on a car loan for my son, after 2yrs the car was repossessed on XX/XX/2020. I didnt find out until XX/XX/2020. When I called Ally Financial to resolve the car loan I had to payoff the loan in full since it was repossessed. On XX/XX/2020 my wife wire transferred {$13000.00} to Ally bank, to this day XX/XX/2020 the tile on the car still has a lean on it and Ally refuses to remove it so I can sell the car. I have begged for 102 days for payoff papers for my records to show the loan was payed off just to be told Ally has NO OBLIGATION to send me anything. They still have charge off on my credit report and refused to fix it to payed in full, I have a buisness and I depend on my credit, I think all of this is wrong to be treated this way. I didnt know what else to do, I call 3 or 4 times a month to fix this to no avail, Please someone help me resolve this nightmare. I have done everything Ally Financial has asked just to be treated like I dont matter.
Consumer complaint received 2018-04-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastpoint Recovery Group, Inc (FL)

Contacted by a representative XXXX XXXX claiming to represent XXXX XXXX XXXX The representative then called a XXXX  relative to state I am having an issue with a bank to try and contact me that way. The representative has already been informed I am handling any and all debt through my credit repair service -XXXX XXXX  and not sure who they are representing as I am taking the proper steps to resolve any issues.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have two checking accounts with Bank of America ; one ending in XXXX and one ending in XXXX. On XX/XX/XXXX, I called Bank Of America to close the account ending in XXXX and consolidate all of my funds into XXXX. The agent I spoke with was helpful and was able to move all of my remaining funds in XXXX into XXXX ( confirmation # XXXX ). The agent told me it would take a couple of days for the account to show as closed and we hung up. The following week on XX/XX/XXXX, I noticed the balance in my XXXX account had gone to {$0.00} and a cashiers check for my full account balance had been issued. I immediately called Bank of Amierca to try and issue a stop pay on the cashiers check and restore the balance into my XXXX. At this time, both of my accounts with BofA were showing a {$0.00} balance and I had zero access to liquid funds. The agent was not able to resolve my issue and opened a complain interally ( case # XXXX ) and said I should recieve a call back withing a few busienss days. BofA failed to follow-up with me and I had to make several additional outbound calls to try and resolve without any success. The XXXX account was closed without my request and the XXXX account was still open. 

On XX/XX/XXXX, an automatic payment on my credit card tried to draft from my now closed XXXX account and was returned resulting in a {$29.00} fee charged to me by my credit card issuer. 

On XX/XX/XXXX, the cashiers check for my remaining XXXX balance arrived via mail and was deposited into a new checking account I created with a different bank. 

There were 6 days where all of my money was unavailabe to me due to an issue by Bank of America which created financial difficulties. I do not believe BofA took sufficient action to escalate the issue and resolve internally.
Consumer complaint received 2021-12-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Rapid Auto Loans LLC (FL)

Due to unforeseen circumstances, I missed a payment of {$150.00} that was due XX/XX/2021. I called the company and asked if I could possibly get an extension. I told them I was unable to pay @ the present time, due to an emergency. I found out that they are in the process of repossession only by checking the website.
Consumer complaint received 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

Upon servicing transfer of the loan to Mr. Cooper, there was an escrow balance of {$1500.00} with the originator. The originator has given me assurances that {$1500.00} was transferred. However, my account at Mr. Cooper shows a balance of {$710.00} at the time of transfer, which is incorrect. The servicing transfer took place on XXXX XXXX and I have spent several hours with Mr. Cooperss customer service on the phone but to no avail.
Consumer complaint received 2021-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020, I sent the attached letters to TransUnion, XXXX, and XXXX requesting an investigation of the erroneous accounts currently being reported on my credit report. It has been over 30 days and they have yet to provide me with the investigation results and by law if the CRA 's were not able to verify the derogatory accounts within the time allotted, the accounts must be deleted from my report. I am filing a complaint because the negative accounts are hindering me from obtaining credit and I am trying to purchase a home. The unverifiable accounts are : TransUnion - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
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: Receivables Performance Management, LLC (MD)

This account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) was opened in my name on XX/XX/2020 & I am reporting Fraud. I never opened an account in XXXX XXXX, CA. Someone stole my identity.