davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV INC. (PA)

XXXX XXXX = XXXX Customer name = XXXX XXXX XXXX # XXXX XXXX refuses to unblock my account stating there is a balance owed. I do not have an outstanding balance with XXXX. I contacted their 3rd party collection company several times and was able to confirm the statement above each time. The collection company stated that an email was sent to XXXX each time I contacted them about the balance. I contacted XXXX after each call to their 3rd party collectors and never obtained any results. Each time I spoke with a representative I was informed that an email would be sent on my behalf. The department that handles the accounts is unreachable by phone and does not have a point person to resolve matters. They informed me that there is no physical way to contact a member in that department directly, all concerns must go through a mass email account. As of today my account remains blocked and I have yet to hear from XXXX with a response as to why. 

XXXX XXXX = XXXX Customer name = XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MI)

I'm having an issue with a new mortgage company that took over my account beginning XX/XX/XXXX. I do have an escrow account. My property taxes were due on XX/XX/XXXX and they have not been paid yet. Also, my Summer property taxes have gone up {$930.00} this year. They haven't adjusted my mortgage payment to make up for the rise in my property taxes. I received a past due notice on my property taxes last week and called the company and they said they would look into it. I also sent messages to them on their webpage but when I called the city office yesterday they told me their still not paid. I don't know what to do to fix this problem. I already have a {$50.00} late penalty on mytaxe and that increases at the end of this month. I'm currently retired and lining on Social Scurity. The name of the Mortgage company is Freedom Morgage.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (IL)

I received a debit card from CHIME bank on XX/XX/2021. I have never opened, or requested an account with this financial institution. Attempting to contact a representative is impossible over the phone. calling the 800 number listed on the card prompts you to submit an email request. I submitted a request via email and they expected me to take a picture of the debit card, front and back along with the account information ( account number and routing number ) along with My ID. This is suspicious and not standard practice for a financial institution. I work at a bank, and i would never ask for this amount of information over the phone. I want to close this account immediately but not able to.
Consumer complaint received 2017-09-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

My sister was recently contacted by a so called " debt collector '' stating that she was over {$2000.00} in debt with HSBC. She asked the company to verify her account number and the account number they had on file did n't match any account numbers she currently has. My sister also checked her credit report and none of the account numbers listed on her credit report matched the number the company gave her. The debt collector that called her is now harassing her by nonstop calling her and leaving her multiple voicemail messages stating that it is in her best interest that she calls them back. They have also threatened to sue her and contact her employer to garnish her wages if she does n't pay them the money owed. Now since my sister is not answering their phone calls, they have now contacted myself, both of my parents, and my aunt to try and get a hold of her. The number that contacted me was XXXX. They left me a voicemail asking for my sister and stated that she needed to contact them immediately. The number they left for me to contact them was XXXX ext XXXX.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OR)

The public record / lien that was recorded ( Ref. # XXXX ) does not comply with the rules set forth in the National Consumer Assistance Plan that states that liens must have a full name, address, FULL social security number, and/or date of birth to be included on a credit file. The lien and subsequent lien release recorded does not include all of the required information to be included on my credit report. 

The public record / lien ( Ref. # XXXX ) should not have been filed against me or included in my credit report, as I did not owe the State of Oregon personal income tax for the period ending XXXX XXXX 2014. I received a personal income tax refund of {$180.00} from the State of Oregon for the year 2014. While the lien has been released, State of Oregon does not do lien withdrawals and is on my credit report.
I have included attachments regarding the liens and tax summary for 2014.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (TX)

I recently paid XXXX for a application to First Progress Bank on XXXX2021. This was charged on my XXXX XXXX and posted XXXX2021. I was approved for a secure line of credit. On XX/XX/XXXX I deposited {$500.00} as secure deposit and they charged me {$29.00} dollars again for the yearly membership which was chargeed to the new master card. I belive they are charging me twice. Could you open a case for this with I talked to the XXXX XXXX  but the could only give me my statement where I paid on XX/XX/2021 {$29.00}
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (TN)

Had a number of events that led to getting behind on our mortgage. We have been trying to get a loan modification for over a year now and our mortgage company keeps denying us saying our income to debt ratio wo n't allow them to help. I have contacted hud and XXXX other organizations that say our income now is more than sufficient to make payments to get caught up. Our mortgage company US Bank will not return phone calls or give the organization trying to help us any information on trying to resolve this matter. The other reason we were denied is because I 'm presently employed which makes no sense to me. Me and my wife are willing to do whatever we can to resolve this issue we just need a chance to get back on track
Consumer complaint received 2021-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1. On XX/XX/2021 someone took {$820.00} out of my checking account by changing the server. As a result my account was overdrawn by {$800.00}. I am requesting that the {$820.00} be restored to my checking account. 

2. I informed Bank of America that I had security breach I request that my checking account number be changed the Bank of America, XXXX XXXX XXXX, XXXX, CA XXXX refused to change my account number. 

3. My Bank of America XXXX  saving account was changed to a checking without any prior knowledge
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

I suffered hardship due to covid-19 beginning in XXXX of 2020. As well as I was current in XXXX of 2020, therefore met the requirements for a Pandemic forbearance plan. As I became more delinquent I submitted requests for assistance as well as asked about the pendant forbearance plan or some kind of option for Relief and was told there was no relief for me. I have a SPOC, who continued to tell me my only option was to refinance and I would have to come up with 5 to 10 payments to be able to do that or I could have my interest rate raised and my monthly payments raised that's the only way they could help me that's the only modification they could give me. Since then after sending several modification documents and missing documents and complete more documents constantly not being received or being incorrect or any other reason they deemed incomplete or rejected. XXXX XXXX, MY 4TH SPOC, is that person who continually told me I didn't qualify for a forbearance plan. After getting the door notice with no attached documents to send back for any kind of assistance, letter stated they would be attached but were not, I reached out to XXXX XXXX once again. Not only was I able to finally utilize a forbearance plan because sure enough I did qualify. How is it that I didn't qualify when I first suffered my hardship but now all the sudden I do qualify? there's only three four months left if they're going to allow it? Not only has this caused my credit to plummet due to the negative reporting, the late fees and overall stress of losing my home to find out this option everyone else I know used or is using to keep their homes that I had requested multiple times. I wouldn't have experienced these burdens on the forbearance plan if they would have let me use it when I needed it. So no I couldn't refinance anywhere if I if I tried because my accounts delinquent before going into the forbearance that they've been reporting every month the late fees I'm incurring winter adding up every month the assistant options that aren't available for me to reduce my payment on my interest to make my home more affordable these damages I have been detrimental to my financial well-being my mental well-being and there's nothing I can do about it. I feel like this falls under deceptive Lending not to mention the other issues I've had with them some of which are in class action lawsuits. To have programs available but not let your customers utilize them until it's too late so the situation that they're in is too deep so now the only resolution they have is to increase my monthly payment with a modification that will not lower my interest and not extend my mortgage therefore increasing my payment it doesn't seem like that's the type of modification that would provide relief. Once again I feel that some of these are deceptive loan practices or predatory lending.
Consumer complaint received 2021-04-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CT)

My Complaint is about Fay Servicing and how they keep you in the dark about the status of your loan and how deceptive and unprofessional the employees are. My mortgage loan was initially with XXXX XXXX XXXX who I had been working with on a Forbearance Extension for XXXX & XX/XX/XXXX due to my financial hardship after losing my job in XXXX of XXXX due to XXXX. I had submitted an updated Loss Mitigation application along with my most recent bank statement and proof of my unemployment income on XXXX XXXX XXXX. I recieved a letter from XXXX on XX/XX/XXXX stating that my loan was being transferred to Fay Servicing effective date XX/XX/XXXX. I called XXXX on XX/XX/XXXX and spoke to XXXX who assured me that even though my loan was being transferred all documents in regards to a Forbearance Extension would be forwarded over to Fay Servicing and they would then complete the review and make a decision in regards to my options and a Forbearance Extension. It has been a nightmare eversince. On XX/XX/XXXX I spoke to XXXX who informed me that he just so happens to be my account manager. I asked XXXX if he rececived my documents from XXXX and he informed me that they just sent a letter to me with an option of XXXX XXXX.I asked him what happened to my request for XXXX XXXX which he never answered. He said how do yo expect to pay this you don't have a job. I explained to him that due to XXXX how i lost my job and XXXX had a XXXX XXXX. XXXX responded with " What Are you talking about XXXX happened a XXXX  ago. Evidently he is not aware of what is happening outside his cubicle. I asked him several times does this mean that you are declining my request for a XXXX XXXX and all he would keep saying is do want to accept the XXXX of forclosure? I repeated once again so your saying they will not do a XXXX XXXX and his final response was I did not say that. Is that want you want to do? I said yes and then XXXX said I will send out an application. At this point i am so stressed and frustrated with this company. It stems from the top and I will tell you as a professional myself who had worked as a XXXX XXXX XXXXXXXX for XXXX and at my last job business banker this company is XXXX, Deceptive and Unprofessional. They shouldn be stripped of their license and not be allowed to do business in any XXXX!!!!!!!!!
Consumer complaint received 2019-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

Repeatedly tried to resolve with Suntrust and based on what I am hearing from others, Suntrust does this frequently and should be investigated. They are refusing to even do a holdback for whatever work they think is needed, and are holding hostage all of the settlement money I received from the insurance company. Suntrust has NEVER sent over a list of what items they deemed needed to be fixed. I had their evaluator out who told me she was going to put the work done on the house at 80 % as they usually payout at 80 % -- -which is why she chose 80. I chose to have my roof replaced even though the repair had already been made months before when Suntrust sent the first person out to inspect ( who didn't see anything that needed to be fixed aside from the roof tiles being put back on that we took off for the repair ). I have since had it replaced, and were just waiting for tiles. Anything else is cosmetic and does not have to be repaired. Suntrust instead arbitrarily===just for my loan changed their 80 % to 90 % so they can hold on to all the money. A brand new roof does not cost {$57000.00} so there is zero justification for holding on to ALL of the funds in any logical framework. They can't justify holding back that much except as for RETALIATION for the complaints I have made -- -when their own adjustor said they pay out some funds at 80 %. This is retaliatory and not justified when my home is worth at least {$450000.00} and I owe them {$130000.00}. Please get them to justify holding back {$57000.00}!!! No roof costs that much for the size of my house. Again, they have never said what repairs they need made!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2021-09-06
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. (PA)

My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have submitted a credit card application for an additional CapitalOne credit card as an existing card holder with CapitalOne. After submitting an application, I have had to contact CapitalOne seven times to get information on why the application was not approved. They declined requesting more documentation. I submitted social security card, and Drivers License. They denied the application again for insufficient documentation and request bank statements, XXXX XXXXs, and proof of residence. After submitting this documentation they asked for me to wait two weeks for approval. I followed up two weeks later where CapitalOne made another mistake and did n't combine the documentation into the correct file. After resubmitting the documentation for a third time I was told that it would be approved after processing. After not receiving my credit card for a month I contacted CapitalOne two more times to discover that my application was declined again and archived. Now CapitalOne is stating that they need to hit my credit again in order to resubmit my application in order to get a credit card that I was told I would be approved for.
Consumer complaint received 2022-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (NC)

Had a emergency hospital visit XX/XX/2022. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company A R Resources NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was RECEIVING TREATMENT inside the hospital not 30 days late. This collection in itself is fraudulent. Please remove this a report company for malpractice. Seeking possible litigation if not resolved.
Consumer complaint received 2019-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My bank statement for the monthly mortgage payment includes a {$10.00} fee. The fee is described as " overdue payments, fees, and charges. I called the bank several times to ask why I am being charged that amount every month but they do not give me an explanation and do not delete the fee. My mortgage payment is done via automatic transfers from my bank so the payments are never late. Every time I called for clarification I get transfer from one employee to another but with no result or explanation of what that {$10.00} fee is for. 

I would appreciate any assistance you can provide me on this matter. Thanks