davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IA)

I contacted Fed Loan Servicing regarding student loans in XXXX. I was inquiring about the student loan forgiveness program. I work for a non-profit, and have since XXXX. I was told that in order to become eligible for the program I would have to bring all my loans over to Fed Loan Servicing. Just recently I found out that information was not correct and my loans qualified for the program since my start date at the non-profit. All my loans were Government loans and did not need to be consolidated to be eligible. I have asked several times over the years and received misinformation on my loans. <P/>All I would like is to have my loan payments back dated to when I started working for a non-profit. I feel as though Fed Loan Servicing wanted my loan consolidated with them for their benefit, not mine. The customer service agents I have spoken with tell me they can not do anything.
Consumer complaint received 2022-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (OR)

I had 5 loans with a company, all 5 were purchased in XXXX by another company. 
One new loan I have access to online and am able to pay this one loan only. 
The other 4 I have not paid. I have sent numerous emails to cutomer care asking to add the other 4 loans to my account. I have spoke with a live person, I have sent emails several times within by login account. I have sent them ACH forms for the 4 loans, After all of this I have gotten no response from them. I have not been able to pay XXXX, XXXX & XXXX payments. 
I have sent emails to BSI Financial on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. I haven't kept track of the phone contact or the emails I've sent withing my BSI login.
Consumer complaint received 2024-03-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Freedom Mortgage Company (CA)

In XX/XX/2024, I contacted Freedom Mortgage to inquire about obtaining a Home Equity Line of Credit and spoke with XXXX XXXX. We never discussed a refinance, only inquired about the HELOC. He took my information from my wife and I, then received an email from XXXX XXXX stating that his underwriting system had approved us for a VA Cashout Refinance Loan. This is not a product we ever discussed. Later, I called and spoke to someone about the decision, they indicated that a HELOC is not even an option they offer. This is very misleading and very inappropriate practices to never disclose the product your are inquiring about is not a product they offer yet continue to take your information to put you into a product they do offer. They then overnighted refinance documents for us to sign even though we did not accept the offer.
Consumer complaint received 2015-04-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Como Law Firm P.A. (MN)

I went to court with Como Law Firm and we agreed to a payment plan of {$25.00} per month. The judgment is stayed as long as the payment plan is kept current, which it is. The Como Law Firm has illegally reported this dental bill on my credit report. Not to mention it was not my dental bill in the XXXX place it was my wife 's.
Consumer complaint received 2016-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WA)

My husband and I both have student loans with Navient. They will not combine our loans into XXXX - but yet they are using our joint income to make us make large payments on single loans. I have been trying for over a year to get this either combined or our income separated, but they are refusing to do this.
Consumer complaint received 2020-10-19
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: SIMM Associates, Inc. (UT)

BILL ME LATER ACCOUNT XX/XX/XXXX ORIGINATION. THEY MERGED WITH XXXX WHO WAS MANAGED BY XXXX XXXX. 
DEBT WAS CHARGED OFF ON XX/XX/XXXX. 

SIMM ASSOCIATES INC XXXX XXXX XXXX XXXX DE XXXX XXXX. 
SIMM ACCOUNT XXXX. 

SIMM ASSOC SENDING ME LETTERS PER COLLECTION ON A DEBT PAST THE STATUTE OF LIMITATIONS KNOWINGLY AND WILLFULLY.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I closed my checking account at Bank of America on XX/XX/2024. After I closed my account, I called Bank of America about 2 weeks later to make sure that my online account was also deleted. Upon calling the customer service number at Bank of America, I was prompted to put in the last four digits of my bank card or credit card. I put in the last four digits of my SSN and the automated system responded that " my checking account has a balance of {$0.00} '' and then transferred me to a customer service representative. 

I told the representative that I did not like that Bank of America was reporting that I still had an account at Bank of America and that the said account had a XXXX balance. The representative told me that the prompt given by the automated system will be removed 45 days after I closed my account. I called Bank of American back again after 45 days and the prompt was still saying that I had an account under my SSN at Bank of America. I once again asked the customer service representative to request that the prompt be corrected to state that the account is closed. This time, the representative told me that the prompt will be corrected in 60 days. In the meantime, Bank of America was still mailing bank statements even though my account is closed. 

I called again XX/XX/2024 which is XXXX days after my account was closed at Bank of America. The prompt is still saying that I have an account with XXXX balance under my SSN. I do not have any accounts at Bank of America at this time. Once again, I spoke to 3 different representatives including one in the fraud department. I told them that Bank of America still has an account tied to my SSN and that when I call in, the system is stating that I have this account with a XXXX balance. Nothing was done to correct this problem. 

I'm writing this complaint because I have called Bank of America on three occasions to request that they correctly reflect that there is no account under my SSN. I was told that the false information would be corrected in 45 days, then 60 days but so far nothing has been done.
Consumer complaint received 2016-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (OH)

I have an account in collections on my credit report and the debt is not mine. I contacted this company to resolve the issue but im told to take it up with the credit bureau. I was never contacted by mail or telephone prior to them reporting the debt to the credit bureau. I tried to send a certified letter of validation of this debt to the address listed on my credit report but the letter was undelivered according to the post office.I tried several times to get this issue resolved but no one that i speak with seem to want to help me. I found out that the debt belongs to my daughter who is an adult and at that point i was told that this debt is a mistake. I dont believe its a mistake because there is no account to be found under my name. The way that this company finds me is under my daughter name which they have listed as the account primary holder. They clearly got the invoice from the original creditor with the person that need be pursued. I have a copy of the exact invoice and my name appears no where. I believe the went beyond the scope of the invoice to implicate me and thats not legal either. Even if it was a common mistake they should be more willing than they are to resolve the issue. I feel that this company needs to be reported. I attempted to resolve this matter several times and im still getting no where.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PROSPERITY BANCSHARES, INC. (TX)

On XX/XX/XXXX, I had an overdraft due to an unexpected bill posting the day before my paycheck. There was an overdraft fee of {$35.00} charged for that transaction, which is excessive considering the process to handle these items is automated and should only cost the bank pennies. I was more surprised to have another charge of {$20.00} at the end of the month. When I called, I was told that was because my account went negative at some time during the month, and that is just what the bank charges. The representative ( call on XX/XX/2024 at approximately XXXX XXXX ) did nothing to help me. This is ridiculous to have a {$55.00} fee for one overdraft.
Consumer complaint received 2022-09-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been the victim of identity theft, and my personal financial information has been utilized without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am requesting communication from you freeing me from accountability for this debt and notifying credit bureaus and collection agencies. I appreciate your upcoming consideration of this matter.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Transunion {$12000.00} XXXX {$12000.00} XXXX : XXXX Last Reported : Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date Last Active : Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX Times XX/XX/XXXX days late Transunion XXXX XXXX XXXX ( different on different sites ) XXXX XXXX A ) As you can see I'm making my complaint because the credit bureaus are reporting inconsistent and inaccurate repossession information that are damaging my credit report. 
B ) Other information is inaccurate also which means the negative item on my my report is illegal and against the Fair Credit Reporting Act. 

I HAVE SENT OUT AND CALLED MULTIPLES TIMES REGARDING THIS MATTER AND HAVE NOT RECEIVED ANY INFORMATION BACK.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I sold my house on XX/XX/2020. I attempted to stop the auto draft for the payment on XX/XX/XXXX, by notifying Dovenmuehle that they were not authorized to charge my account. They charged it anyway, despite the loan being paid in full during closing. They owe this payment back, totaling {$1900.00} After closing, they also owe my escrow refund in total of {$5700.00} The total amount owed to me is {$7600.00} I have made multiple calls to Dovenmuehle regarding these refunds and no progress has been made. I have still not received checks, over 30 days out of closing. Dovenmuehle claims the checks were made on XX/XX/2020, but here I am on XX/XX/2020 without any check. 

Every time I call, there is a new excuse as to why.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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 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 XXXX
Consumer complaint received 2022-09-06
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: DISCOVER BANK (CA)

I have been the victim of identity theft, and my personal financial information has been utilized without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am requesting communication from you freeing me from accountability for this debt and notifying credit bureaus and collection agencies. I appreciate your upcoming consideration of this matter.
Consumer complaint received 2016-07-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (TX)

Linebarger, Grogan, Blair, Sampson LLP ( Linebarger ) has attempted to contact someone ( an " Individual '' ) at my address by US mail and by phone at the landline number associated with this same address since XXXX XXXX ; this person 's name is clearly spelled and specified as per the attached PDF and Windows Media Audio Files, respectively. 
In XXXX XXXX as the result of other mail and robocalls for the same Individual sought by Linebarger I filed an FTC Identity Theft Victims ' Complaint and Affidavit and used it to file a Report with the XXXX County Sheriff 's Office in XXXX XXXX against this same Individual. 
XXXX/XXXX/XXXX : Received an un-postmarked Presorted First Class Mail letter at my address sent by Linebarger to this Individual. 
XXXX/XXXX/XXXX : As a result of the letter sent to my address for this Individual by Linebarger I called the XXXX XXXX and opened a case. 
XXXX/XXXX/XXXX : As per instructions from the Postal Inspector I returned the envelope received XXXX/XXXX/XXXX UNOPENED marked w/ '' Does Not Reside at this Address Return to Sender '' to the US Post Office Annex in XXXX , TX to be returned to Linebarger . 
XXXX/XXXX/XXXX : I received a Presorted First Class Mail letter from Linebarger at Zip Code XXXX postmarked XXXX/XXXX/XXXX for the same Individual. I followed up with the Postal Inspector. 
XXXX/XXXX/XXXX : I returned the envelope received XXXX/XXXX/XXXX UNOPENED marked w/ '' Does Not Reside at this Address Return to Sender '' to the US Post Office Annex in XXXX , TX to be returned to Linebarger . 
Prior to returning both letters I scanned the UNOPENED envelopes as evidence as per the attached PDF file. 
XXXX/XXXX/XXXX, XXXX and XXXX/XXXX/XXXX XXXX : Linebarger robocalled my home phone with messages for this same Individual. 
These messages are attached ; the second is truncated because the answering machine ran out of recording time. Linebarger does provide an Option in the event that the call is live answered such that " If we can not reach ( Individual sought by Linebarger ) at this number press 7 and we will remove this number from our records. ''
Consumer complaint received 2015-04-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I was approached by XXXX at Home Depot, Store # XXXX, XXXX XXXX XXXX, NY XXXX, to open a credit card account. Heopened an account and told me no interest for 6 monthson purchaes for {$290.00}. So I bought a small refigerator formore than {$290.00} on XX/XX/XXXX. I made min. payments on time. But in XX/XX/XXXX theybut they added interest from XX/XX/XXXX, despite what XXXX, their employee, told clearly that interest would accrue aftersix months. So this is totally wrong and has to be correctd by Home Depot.
Consumer complaint received 2017-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On or about  XXXX / XXXX / XXXX   Trans Union  reported  XXXX  student loan as 'unpaid balance charged off '. On other dates listed in credit file number  XXXX  included the same account numbers listed as "  XXXX  '' address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  SD reported account numbers  XXXX  as date opened of  XXXX . Changed to another account number by   XXXX   XXXX  . On other previous occassions  XXXX   XXXX   XXXX  reported 90 day past due marks on credit account. All of which where erroneous.  1 ) Reported payment history deleted 2 ) Reported statues erroneous 3 )  Reported past due erroneous  XXXX . Furnishing certain deceptive forms " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in. ''  XXXX  False or misleading representations " Communicating or threatining to communicate to any person credit information which is known or which is known to be false, including the failure to communicate that a disputed debt is disputed ''. Sec  617 A ny consumer reporting agency or user if information which is negligent in failing to complywith any requirement imposed under this title.  ( 2  ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorney fees as determined by the court. Sec  611 ( c ) " Whenever a statem ent of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelavent the consumer agency shall clearly note that it is disputed by the consumer and provide the consumer statement or a clear and accurate codificatuin or summary thereof ''.  XXXX   XXXX   False or  misleading representations  ( 10  ) " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ''.
Consumer complaint received 2024-03-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC (TX)

When I closed in XX/XX/XXXX, I received my escrow analysis and had my taxes documented. In XXXX when they were due, my old servicer told me that I had a debt to pay as my MUD taxes was over {$3600.00} when my old servicer lender provided me with my escrow analysis in XX/XX/XXXX showing it was for {$34.00}. Yes dollars not XXXX. This is a real inconvenience as this is not what I signed up for when I closed on my house. I made a payment towards my escrow. Which I feel that the lender should've fixed, this is my first home, first generation owning a home. So I am not experienced in any of this. 
I am still very much stuggling to get things correctly, and not being heard, as the new servicer, continues to provide incorrect info onto my loan, I also received noticed that my old servicer was changing, I notified my housing authority, who were told to by my old servicer to continue to provide payments to old servicer. Which shows I haven't made 2 months payments bc of it. I pray I can go back to what I waS promised at closing, I proved, my first analysis along with current to show what I've paid, also, emails from housing explaining that they were told to continue making payments to old servicer, documents being told to make new payments to New Servicer, and first mortgage to current mortgage statement.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (FL)

On XXXX XXXX ( Monday XX/XX/2020 ) I went to XXXX XXXX XXXX XXXX  located on XXXX XXXX XXXX, XXXX, FL XXXX. 

The sales associate, XXXX XXXX, asked if I would like to get pre-approved for a XXXX XXXX  credit card through Synchrony Bank. XXXX clearly stated that this was just a pre-approval to understand how much credit I would be extended. 

I filled out the pre-approval application and turned the computer over to XXXX. She came back and notified me that I had been pre-approved for {$15000.00}. 

I told XXXX that I was not buying any furniture that day and would think about coming back. When I left the store, I had not been provided with a copy of any pre-approval documents I filled out. 

On Monday XX/XX/2020 I received a letter in the mail from Synchrony Bank. The contents were a new XXXX XXXX  credit card. 

I had never applied for a credit card ( only filled out the pre-approval ). It is my belief that the sales associate, XXXX XXXX, fraudulently submitted an application for a credit card under my name, without my permission.
Consumer complaint received 2016-06-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen is engaging is Mortgage Service Abuse, Dealing in Bad Faith with deceptive and misleading practices causing the Homeowner and spouse great deal of XXXX needlessly. 

Ocwen entered in to Loan Modification ( attached Exhibit C ) after the Homeowner has successfully completed all required payments. Ocwen has twice since XXXX of XXXX arbitrarily without notice and contrary to the completed Loan Modification Agreement. Changed the modified of 3.76 % to 8.25 %. 

In XXXX XXXX Ocwen completed Modification Agreement and the Homeowner then made seven ( 7 ) monthly payments of the requisite amount of {$4400.00} then on XXXX without notice Ocwen in violation of the Modification Agreement increased the monthly payment to {$7100.00}. 
When the Homeowner contacted Ocwen to inquire as to why the change they were told it was an annual increase. The Homeowner were force to enlist help from counsel and XXXX/XXXX/XXXX ( Exhibit B ) Ocwen issued a correction letter citing on XXXX XXXX they identified the error and made the necessary adjustments. 

When the XXXX ( Exhibit A ) Mortgage Account Statement arrived Ocwen once again without notice or reason has once again increase the interest rate form the contractual {$4500.00} ( 3.76 % ) to {$7200.00} ( 8.25 % ) that an 119. % increase of the interest rate!
Consumer complaint received 2024-03-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SANTANDER HOLDINGS USA, INC. (IL)

U was informed I owed XXXX on my vehicle but they are willing to take XXXX to pay off the vehicle Ive made several payments but according to them only a couple of payments were made. My car was repossessed illegally without the right to cure letter. I will like to file a complaint against Santander