davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I wrote a check to someone. I confirmed with him that instead of cashing the check I would XXXX him. I sent him the XXXX payment and moved funds out of my checking account to my savings account so that the balance would be lower than the check amount and the check would not be accepted. Instead, PenFed authorized an overdraft from my savings account which I never agreed to at any point. I was also charged an overdraft fee of {$30.00}. I want my {$1500.00} back.
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Midwest Loan Services, Inc. (CA)

I refinanced my mortgage with XXXX XXXX XXXX XXXX XXXX, the servicer is Midwest Loan Services and my first payment was due on XX/XX/2020. I walked into XXXX on XX/XX/XXXX to make a payment and inquire about setting auto withdrawal for future payments. The XXXX person that helped me took a payment and told me how to contact Midwest to set up auto withdrawals. I did not do anything else regarding my XXXX payment and figured I would worry about XXXX later in the month. 
Today I received a letter in the mail from XXXX showing that I had insufficient funds to cover my mortgage payment on XX/XX/XXXX. So, there was already an auto withdrawal set up on my account, but I was not aware or told when I made my payment on XX/XX/XXXX. I called XXXX and they waived any fees associated with this event. Next, I called Midwest to ask for a reimbursement of my double payment because I could not make two payments in XXXX, they advised there is a {$10.00} fee to mail a check or {$25.00} electronic transfer. My request was to waive the fee because I am a new customer, the mixup was at the branch and I had good intentions to pay. I requested a manager and the operator said let me check because it is Friday and late in the afternoon, so there may not be one available. She connected me to a manager without telling me  she was transferring me, then XXXX XXXX came on the phone ( she would not give me her last name after I asked for identifying information ) and I requested the fee to be waived in order to process the electronic reimbursement. Her response was no and she has no control over the fee waiver. Once I explained the situation, she said it was my fault that a double payment was made. Her solution was to let everything sit on the account and not make a payment for XXXX, unfortunately I need the payment or I would have been okay doing that. XXXX XXXX stated she is the highest manager and did not have someone above her, but she said I could call back on Monday, the customer service line, to speak to someone else. After  asking for her managers name twice, she said her managers name is XXXX XXXX and I can call the customer service number on Monday to speak to her. XXXX XXXX was very sarcastic as the call continued, as I was upset at this situation, her customer service skills were not acceptable at defusing or showing any type of empathy. 
My request is/was to waive the {$25.00} fee in good faith, knowing I want to be on time and make my payment monthly.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

old accounts have been previously disputed that are not accurate and they have still been appearing on my credit report along with different old address that needs to be removed because none of them along with workplaces are not accurate, my name is not accurately spelt either i need those to be deleted asap!
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

there was a bank account open in my name at XXXX XXXX XXXX, that is now close due to fraudulent activity and now i ca n't open any type of bank account because of this. my identity was stolen when i lost my wallet and phone a couple months prior to this. when you call the social sercurity place to report a lost social all they do is give you a replacement but ca n't tell you if things have been open with your information.
Consumer complaint received 2015-08-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SIMM Associates, Inc. (NC)

School is XXXX in XXXX, NC. Simm Associates, a collection agency, left several voice messages and then sent a letter informing me they were collecting for a delinquent student loan, for which I am the cosigner, with XXXX. This loan is being serviced by XXXX. After contacting XXXX, I was told the loan was NOT delinquent and since the student not graduated yet, it is impossible for this loan to be declared deliquent. The agent at XXXX was very helpful. When I contacted Simm Associates, the collection agency, at the number listed on the letter they sent, I was asked for identifying information such as my date of birth. I declined to provide any personal information and offered the account number from the letter. The agent refused to continue the call unless I provided this personal information, and which point I ended the call.
Consumer complaint received 2017-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

Chase bank closed my account without letting me know until I received a letter in the mail on   X/XX/17  t  ha t my accounts were closed back on   X/XX/17   with documentation to prove it. Clearly stated on the letter it says, accounts were closed   X/XX/17   and your funds will be mailed to you withi n 10  business days. After contacting the bank, they would not refund me in cash and said that they could do nothing, and I needed to wait for the check in the mail. A check arrive s  X/XX/17  b ut missing {$120.00}. I ask for a statement print out, which says {$120.00} check charge along with the remaining {$2600.00} check charge. When returning to the branch to find my {$120.00}, they just told me it 's in the mail and their system is down. After letting her know that I was not leaving without my money, she called the police. I just do n't understand how a bank can withhold my own money.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Someone has used my personal information to open 1 loan and 1 credit card under my name which are now reporting on my credit. I do not know who used my information but these accounts are unauthorized and were not opened by me. They must be removed from my XXXX, XXXX, and Equifax credit reports! 

The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$25000.00}
Consumer complaint received 2023-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

When our mortgage got transferred to Mr. Cooper, they did not transfer our insurance documents. They failed to notice that this information was missing from our account for an entire year. They sent us a letter stating that our coverage was delinquent which was false, and to update our home insurance information. In accordance with the instruction provided we uploaded our policy to mycoverage.com/mrcooper and received notice that our policy was up to date. Mr. Cooper, without informing us, then purchased a duplicate policy from the policy we updated paying for this out of our escrow. We are now effectively paying twice for the same policy. In an attempt to address this issue we spent hours in cyclical IVR questions before finally being able to talk to a human. The individual said it was XXXX, our insurance company, who had REQUESTED that our insurance be paid through escrow. When, speaking with out XXXX agent, they explained this was false, they had no direct communication with Mr. Cooper, there was no need to pay through escrow, and that Mr. Cooper had failed to add themselves to the policy when the mortgage transitioned from Nationstar. Now, after again hours and multiple attempts to reach a representative, we have not been able to speak with/contact a human being, leaving us currently paying twice for an insurance policy we bought independently. 

This issue is ongoing as we have not been able to talk to anyone.
Consumer complaint received 2020-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (NJ)

XX/XX/2020 MRS BPO placed a collection account on my credit report in that amount of {$290.00} I called and ask the rep why was this account showing on my credit report. She asked my name and address and stated she couldn't find me in her system and told me to dispute the charge. I told her if she could not find my name and address in her system then how was this account placed on my credit report? To no avail could the rep answer my questions. I never received any mail or phone calls from this company yet an account for {$290.00} was placed on my credit report. I need help for I have no knowledge of this account or company. MRS BPO XXXX XXXX XXXX XXXX XXXX, NJ XXXX with a phone number of XXXX is on my credit report as an collection account.
Consumer complaint received 2015-10-27
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

I did file complaint XXXX .Welles Fargo are not resolving the issues and instead they are not looking at the whole issues. 
Per their letter dated XXXX XXXX XXXX the line of Credit Balance for the account XXXX at the time when I sold the home was XXXX. And per their letter dated XXXX XXXX, XXXX the mortgage account # XXXX for the property located at XXXX XXXX XXXX XXXX XXXX CA XXXX was paid off at the time of sale of the property on XXXX XXXX, XXXX. 
Based on the above information I should not be reported to credit Bureau that I had a balance on the account # XXXX and the account started Foreclosure. I did not own the home in XXXX and both account Balance were XXXX as of XXXX XXXX, XXXX at the time of sale. 
This inaccurate information needs to be corrected with credit BureauI did submit to you the HUD and Pay off proof dated back in XXXX. 
Please keep copy from this letter on my file. This letter will be faxed to you today XXXX XXXX, XXXX. 
I would like to resolve this issue ASAP
Consumer complaint received 2023-03-17
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-03-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Information Bureau, Inc. (FL)

The rudest, most unprofessional people I have ever dealt with in my life. They call me about a bill from 2 years ago that 1 ) I never even received 2 ) Was settled in FULL. After confirming with the hospital and insurance that it was paid in full, this collection company says I still owe them money when I do not! And had the audacity to report it to the credit bureau! They say I still have to pay them, complete thieves.
Consumer complaint received 2016-11-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (CO)

My bank consistently finds new ways to charge new fees. I am constantly checking my account because they attache fees that do not belong on my account and refuse to reimburse the fees and never give me a straight answer as to why the fees were applied even though my accounts are suppose to be exempt.
Consumer complaint received 2020-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

ATTENTION TO XXXX XXXX XXXX. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$8300.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2015-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

We XXXX have attempted XXXX Mortgage Modifications with Wells Fargo. We have been lied to, tricked, cheated etc ... The XXXX application was approved, our monthly payment was increased and we were promised XXXX, that 's a disgrace. XXXX Mortgage Modification attempt we were denied because we were current on our payments. As soon as we applied for this XXXX Modification Wells Fargo placed a For Sale sign in front of our home. We applied for the Modification because we were in danger of default, this is XXXX of the reasons to apply for a modification. XXXX Mortgage Modification, Wells Fargo requested document after document and then Foreclosed on us while in Modification. We saved our home with an emergency Bankruptcy which stopped the sale 5 minutes before it was to begin. The XXXX Mortgage Modification attempt we were denied, Wells Fargo added over XXXX in imaginary income. Then said we did not qualify because of our income. 1 year later Wells Fargo said that they made a mistake on our income but they never rectified it. We then sought the assistance of Keep Your Home California. They instructed us to call Wells Fargo for Modification and Principal reduction documents to fill out. The representative of Wells Fargo started yelling at me, yelling that Wells Fargo was not going to send me any such applications. Keep Your Home California instructed us that we could do this later. Wells Fargo received XXXX from Keep your Home. We understand that a Bank can charge a small fee for a Modification, but Wells Fargo paid themselves XXXX for administration fees, they stole XXXX from the Federal Government and from us, in this usual trick of theirs. Wells Fargo called the help Keep Your Home California gave us a Modification. According to Keep Your Home it was not a Modification and that now I can apply for the Principal Reduction and Modification. Wells Fargo is now in the process of selling our Loan to another Bank. They approved sending us the documents for Principal reduction and Home Modification we requested but reneged on us saying to ask for this Principal reduction and Modification from the future new Mortgage Holder. Wells Fargo has caused us to suffer a great deal with worrying, despairing, sleepless nights etc ... We are XXXX years old and Wells Fargo has not shown one iota of cooperation. If anything the total opposite. We can bear their injustice no more. One last thing, Wells Fargo forced us to pay twice for the month of XXXX, 2014.
Consumer complaint received 2023-03-16
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)

I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.
Consumer complaint received 2017-10-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (NJ)

In or around 2007 I received student loans which were eventually serviced by XXXX XXXX XXXX. Due to delinquency I sought legal assistance and settled my balance for the loans which was paid in the amount of {$13000.00}. I recently learned of XXXX XXXX XXXX improper collection practices and as such, I would like my account reviewed and to receive a refund of all settlement monies paid should it be found the the company did not have the right to collect this money. Thank you for your time and assistance.
Consumer complaint received 2016-07-26
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Capital Alliance Financial, LLC (MI)

I recently received notice from a law firm, XXXX XXXX XXXX stating that a lawsuit was filed against me by Capital Alliance Financial LLC. Capital Alliance is first attempting to collect on a debt that was discharged in court because they failed to appear in court after I objected to the accused charges. Some time has passed and the debt that is claimed that I owe is now time barred. The statute of limitation to collect debt in Michigan is 6 years. I find it unreasonable for me to have to take off from work to file a counter suit against this collection agency when they are knowingly breaking the rules established by the FDCPA.
Consumer complaint received 2017-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ONLINE Information Services, Inc. (TN)

Identity was stolen and used to turn on electricity in my name through XXXX. I faxed necessary documents to XXXX also explained the situation. XXXX has put bill in collections and is still reporting to credit bureaus that I owe {$170.00}.
Consumer complaint received 2015-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Tower Loan of Mississippi, Inc. (MO)

Tower loan company came to my home and a friend was aty house and answered my door and told them I was not home. They told him that my account was past due and I must pay immediately. They should n't have talked to anyone about my loan. They call my friends and family every day and call me at least XXXX times a day. This is very unprofessional and borderline harassment.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2017-02-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Sierra Holdings LLC (PA)

I purchased a XXXX XXXX XXXX in XXXX XXXX. I have made 2 payments so far but Sierra is reporting an increase in my original balance. My original balance was {$16000.00} but Sierra reported an increase to {$16000.00} on my credit reports