davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

Hello. I've been having problems with citizens One mortgage Company. Out of XXXX Rhode island main office. basically they are trying to deceive me into refinancing. I'm not getting a straight answer, I've been doing this for over three weeks trying to get them to explain the process of deferring payment to the end of the loan which is a program that was set out by XXXX XXXX  as a XX/XX/XXXX.. this is a program to defer payment to the end of the loan without affecting current mortgage. I have asked to talk to a manager I ask for email. Especially when the representative have all given me misinformation or was not able to explain. I have faxed over information about the deferral program last week I have gotten no response. I have fact over to them, two other times, asking for a response. my loan number with this company is XXXX. The company representatives and refused to give me any email address or talk to any manager. also I've been put on a customer in a customer cube for a callback they do not return all their calls especially in the evening. And also they have stated and put information in the system saving that they call you and your phone was busy and none of that is true. my cell phone recorder is all incoming calls and I have a voicemail that set up. There are phone records of all my conversations with that company which shows I have tried to talk to the company, which is all on call log records under my loan number. XXXX XXXX
Consumer complaint received 2018-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

In XX/XX/XXXX/XX/XX/XXXX I called our mortgage company, Chase to ask about any programs that could lower our monthly mortgage payment. Our financial situation was changing and I was looking for ways to adjust our budget while we considered a long term solution. I asked about just making interest only payments but was told I could not make partial payments. I spoke to several different people in the beginning because each time you called the customer service number you got whoever answered the phone but eventfully I was told I needed to start missing payments to qualify and not just pay them late. I did get a packet to apply for Chase 's Mortgage assistance program which I mailed in using their prepaid envelope. But they didn't receive it, so then I faxed a copy to them in XX/XX/XXXX. But before I heard anything back from them I received a letter saying they would no longer be servicing my loan as of XX/XX/XXXX. That was the last I heard from them until XX/XX/XXXX when I received a letter from Chase telling me they may have made an error while we serviced your loan that could have extended the document collection period during our review of your application for mortgage assistance. We've enclosed a check for {$100.00}. as compensation. When XXXX took over in XX/XX/XXXX they wanted over {$5000.00}. to bring my account current or they would start foreclosure actions against me. Chase may not have had any control over what transpired after they transferred to another servicer but they sure had a hand in getting the ball rolling. Your customer service did not handle this correctly right from the start by giving misinformation, by misplacing documents, by not keeping me correctly informed about the status of my application. I was never denied anything, never asked for more documents or information just transferred. In XXXX you contacted us to give us a rate reduction because we paid on time ; had a very good credit rating and our LTV ratio was low. Within 30 days it was done and with no closing cost although I didn't think it was a great financial decision my husband was happy that the payment was lower. So what happened this time? It has cost us over {$9500.00} so far to keep my home from being sold at a sheriff sale. The loan value of my home has gone down because it's in foreclosure. We are trying to sell but it's been difficult since most home buyers don't want the uncertainty of a foreclosed home or they are investors who want to purchase at way below its value. And our credit rating has dropped considerably.
Consumer complaint received 2021-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (NJ)

I filed bankruptcy on XX/XX/XXXX. L.L. Bean credit card was notified by the courts that I filed bankruptcy on that day. I had my hearing on XX/XX/2021. I keep receiving emails from them regarding a credit card statement. Nobody takes the initiative nobody takes the responsibility of L.L. Bean credit card MasterCard. I get off the phone with them on XXXX 2021 and I get two emails that I said I supposed to pay a balance. I never gave them authorization to take {$370.00} for me and {$120.00} for me. I have confirmation emails. People were in my house I never told them that I was paying any bill. I am protected on chapter XXXX bankruptcy and theyre violating the chapter XXXX law.
Consumer complaint received 2018-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

I received a {$250.00} Fee from M & T for not signing up M & T Bank 's Online Banking electronic billing statement program. I was under the understanding that I already was as I was an existing customer and my other accounts where electronic. On XX/XX/XXXX I received a letter warning that if i didn't sign up for auto payments and ebill that I would be fined. That day I called M & T 's customer services line. I informed the rep I was calling from the letter that was just sent. She looked over my account and told me that no further action had to be taken and that I can disregard the letter. The next month I was fined for not signing up, I have called the customer services line and refuted the charge. They keep coming back with that the warning letter was sent and I did not take action. I took action to mitigate my damages and was misled by an M & T rep and now have been charged {$250.00}.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (NV)

I was with XXXX XXXX XXXX for my cell phone service and XXXX XXXX. I had cancelled my cell phone service when moving from XXXX, XXXX to XXXX, XXXX. Once my move was complete, I had my dXXXX XXXX transferred and stayed with XXXX XXXX XXXX. I continued to receive billing just for XXXX XXXX and continued to pay all amounts due. I am in the process of trying to buy a home in XXXX and found out that I had a collection with XXXX XXXX XXXX that was sent to Diversified Consultant. Again, I was still with XXXX XXXX XXXX ... they had my contact information and I was never called or notified of this debt. I went ahead and reached out to Diversified and explained my situation ... I was told the only way to remove the debt from my credit report was to pay the account ... so being under pressure ... I paid the debt. I had also reached out to XXXX XXXX XXXX Office of the President to let them know what had happened ... I received the notification via email indicating that XXXX XXXX XXXX sent an email requesting the deletion of the account from the credit bureaus. The account has not been deleted as of yet.
Consumer complaint received 2022-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

Good Afternoon, I am trying to contact Truist Mortgage- formerly Suntrust Mortgage- regarding my forbearance agreement. I already had one complaint filed with you, regarding this mortgage company, which you helped me resolve. 
COMPLAINT ID XXXX Covid Forbearance- I was to pay 3 months on time and then I would receive the new mortgage agreement in the mail after the underwriters were done. I was promised it would be sent out in XXXX, but never received it. I received a letter telling me it was being completed and to continue making payments, but I can not make the payments due to the following. I had auto payments set up for the 3 months. I can not pay online because it goes back to the first payment missed, not the current payment due. I tried to make the payment over the phone, but was put on hold for 1.5 hours yesterday x 2. They do not answer the phone call que, they do not respond to online chat and there is no way to email them on the website. I can not contact this company or pay my current mortgage payment or find out when I am receiving my new mortgage agreement. ( I also don't understand why they add all the missed payments onto the principle when those payments would have paid the principle down. It has increased my mortgage with the escrow, interest and missed payments to over 30K. ) Covid relief added all my missed payments on, which i did not understand would happen. I understand the escrow and interest, but not the missed payments increasing my mortgage. 
They should not be in business if they can not hire people to answer the phones. No one has time to sit on the phone for over an hour. People need a response to issues same day. The call back que does not call back. I need to be able to pay my payment without speaking to anyone over the phone and not be put on hold for hours. 
I want my new mortgage completed and sent to me.
Consumer complaint received 2020-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (NJ)

Yamaha Motor Finance Corp reported me late to all three credit reporting agencies, XXXX, XXXX and XXXX  during the Pandemic. I was never 30 days late. I tried explaining this with Yamaha Motor Finance Corp SEVERAL times. They were very nasty, rude and wouldnt help me in any way. Not the way they should handle this situation, especially during the COVID crisis. Now my credit is ruined which I work very hard to maintain. It also caused one of my other credit cards interest rate to TRIPLE!
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

A debt collector by the name of Law Offices of Mitchell D. Blum & Associates has not notified me about a delinquent account that this debtor collector has reported on my XXXX creditor report. I called the Law Offices of Mitchell D. Blum & Associates after I saw the negative report on my XXXX credit report and asked them to remove the negative reports off my credit report. I want the Law Offices of Mitchell D. Blum & Associates to remove the negative/past due bill reports off my credit reports. These debts have already been paid to the original medical company.
Consumer complaint received 2022-03-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (MO)

XX/XX/XXXX : debt collector calls and says that legal documentation has been filed in a suit against me for a delinquent account. The amount was in excess of {$1400.00} from check into cash. We agreed to settle on the amount of {$800.00}. 

Many other debt collectors calling to collect on the same account since then. 

XX/XX/XXXX : phone call from debt collector ( XXXX ( XXXX ) XXXX ) saying that legal documentation has been filed for a suit against me for a delinquent account. Amount in excess of {$1400.00} from check into cash. I told the woman on the phone that I had already settled that debt last year and hung up. 

I called Check Into Cash customer service. They informed me that the debt ( from XXXX ) was sold to a collection agency in XXXX, but that agency went out of business in XXXX and no other company could have access to it. 

The company I paid ( XXXX XXXX XXXX ) has an address to a civilian home ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) and the owner of the company name ( XXXX, XXXX A ll ) has had XXXX other company names but both are inactive now ( source : XXXX XXXX XXXX ). 

I tried to contact the company but no one answers the number left on the letter of release they sent me through XXXX, which had another company name on it ( XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX ) I called my bank but they said they couldnt do anything since the fraudulent activity was more than 120 days old. So Im out {$800.00}
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Please confirm the information shown in this collection account. The unverified account listed below is still reporting on my credit report in violation of Federal Law. This account is already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the Credit Bureaus is legally allowed to report this on my credit report. If unable to, remove the account immediately. 

XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$3200.00}
Consumer complaint received 2020-07-31
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)

We reviewed your complaint and apologize for any difficulty you may have experienced. To process your request and protect the confidentiality of your credit report, please re-submit your complaint and provide us verification of your Social Security number. Acceptable forms of verification include a copy of one of the following documents that show your Social Security number : current drivers license, Social Security card, a letter from the Social Security Administration, state ID card, XXXX or XXXX card, military ID, bank or credit union statement. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX  XXXX XXXX ET. For more information please visit our Frequently Asked Questions page at www.transunion.com/consumerfaqs.Transunion has requested I send this information in to prove my identity.
Consumer complaint received 2019-03-30
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: Early Warning Services, LLC (KY)

I was XXXX for almost 10 years. I was released XX/XX/XXXX-18. All my information was stolen and accounts have been opened and debts accumulated beyond belief! This is a very frustrating process. This complaint is for XXXX and XXXX XXXX XXXX. They have listed multiple accounts as well as bad checks. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and a bad check to XXXX.
Consumer complaint received 2018-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo added an insurance policy to my account in or around XX/XX/2016. I believe I have payed on that and want to make sure that I havent. I was insured through my own insurance and they should have never added me. I called and had them cancel it but I want to know how much I was charged for when I was double billed
Consumer complaint received 2018-08-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (FL)

I have a private loan by and through Discover Student Loans which bears a 10.875 % interest rate. My social security number is XXXX and my name is XXXX XXXX XXXXt f/k/a XXXX XXXX XXXX. Over the last 7 years only {$3000.00} has been paid on this loan based on the way this loan is structured. Should you require additional information please contact me at XXXX XXXX
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with The Fair Credit Report Act XXXX account XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 B states i have the right to privacy.

15U.S.C 1681 Section 604 A section 2. I also state a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2018-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

I have been writing to this department since 2015 about Wells Fargo Home Mortgage deception. Rather than investigating and inspecting my documents but each time my complaint was to the bank and the response was *in our review it was found that our process was correct*. And nothing was done by this department or by the bank. I made several complaints. Now the bank have the nerves to say *It was a computer glitch* Claim # XXXX Claim # XXXX and a few others So what should be my next step. I would like your help in get the justice for this. I kept saying something was wrong because I was not late with my mortgage. I was on time. My income was more than enough to pay my mortgage.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 
XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter.
Consumer complaint received 2022-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (UT)

I was told over and over by my mortgage company that my payments would be the same after my Covid relief and that everything that was missed would be put onto the back of the loan. Now my payments are becoming due and my house payment went up {$300.00}. This was deceptive.
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

Hello, I need help please! 
My loan was transferred to a new servicer ( XXXX XXXX XXXX ) as of XX/XX/2021. 

But the previous servicer Dovenmuehle Mortgage , Inc. went into my Bank account and took {$560.00} on XX/XX/XXXX without my consent. They were not servicing my loan anymore but yet they took money causing me bank overdraft fees. 

I have contacted Dovenmuehle Mortgage , Inc. multiple times asking them where's my money and nobody have a clear answer. 
They keep saying that they already sent everything over to the new servicer XXXX XXXX XXXX but they don't have any records of any money from Dovenmuehle Mortgage , Inc . 
They took money illegally from my bank account and I want it back! This is ridiculous and beyond frustrating. I need help please!!
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (AZ)

I sent a letter via mail over 4 months ago requesting a cease and desist in regards to contacting me about a debt. The statute of limitations expired over 4 years ago. The company still continues to harass me with letters each month. This morning XX/XX/21, I received a call from an XXXX guy that I could barely understand regarding the account. They are clearly violating my rights when I have requested that they STOP contacting me.
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

On XX/XX/2022 I received a qualifying payment letter from FedLoan that says they have evaluated my payments under the Waiver when they clearly have not. This is happening to thousands of borrowers and it is causing huge stress and trauma. This is just another example of abuse that student loan borrowers have been under with this loan servicer. After years of being lied to by XXXX and Fedloan about the PSLF program this is just icing on the cake of XXXX. Thanks, XXXX XXXX
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experian and XXXX  should not be reporting a collection/chargeoff on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) XXXX  XXXX agreed to a pay-to-delete which they have not honored. I paid this account and was told by the representative with XXXX XXXX that once this account was paid that they would remove the negative item showing on my credit report. This deletion has not been completed and I request this item be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX multiple times to fix this however, I have not been successful.
Consumer complaint received 2018-08-13
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: Resurgent Capital Services L.P. (GA)

ALL 3 CRA AND 3 DIFFERENT COLLECTION COMPANIES ( " XXXX XXXX, XXXX AND XXXX XXXX '' ) DEMAND SAME PAYMENT OF DEBT THAT NOT MINES AND NEVER DONE BUSINESS WITH COMPANY " ... VIOLATES " FDCPA, FCRA AND FCBA '' AND REPORTING SAME ACCOUNT ON ALL CREDIT REPORTS
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

USAA has a fee problem. They inundate clients with fees and provide no help with getting them waived. I am moving my baking to a company that doesnt charge fees. I have gotten 15 nsf fees since 2022 started. That is XXXX dollars. That is so excessive for someone who is working hard and trying to make ends meet. I know I cant be the only person to be negatively impacted this way. With banks like XXXX no longer charging those kinds of fees USAA is charging fees on a criminal level. I am severely disappointed at this and at the lack of service when trying to get some help. I was instead told I needed to dispute charges with companies I do business with in order to get the fees looked at. I have multiple products and pay quite a bit of money in premiums to this company over 8 years. To get such a lack of accommodation is truly terrible.