davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (CA)

My husband went to XXXX XXXXXXXX to view a car. I was not present. 
XXXX  XXXX ran my credit report without my authorization and had 4 companies pull inquiries on my credit. I was not in attendance nor was anything signed. None of this was authorized. Later, I did purchase the car and paid cash. No credit was involved. 

All happened on XX/XX/XXXX. 
SANTANDER CONSUMER USA Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies
Consumer complaint received 2016-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TN)

XX/XX/1999 I purchased a XXXX mobile home, and when signing the paper work, the finance company side if the interest rates went lower they would lower mine with in a year 's time, they did go down to about 6 % when I signed it was 12.25 % and all these years I have been paying nothing but interest. I have called more times that I can count and asked for a refinancing or a rate modification and each time I am told " sorry we do n't do that ''. it make 's me want to tell them well come get it then and give them a week to do so but I have put a lot of money into my home. my husband and I have reroofed it put floating floors thought out it and replaced to kitchen and bathroom floors with tile painted the out side this is home. I just do not understand how or why they are so unwilling to work with me my payments are on time never late but like everyone else I have a hard time and have to let other things go to make sure that it stays that way. I tried to trade it in before I we did all the work on it and all mobile home dealers in the area tell me the same thing " you are up side down on the money '' your home is n't worth what you owe ''. where do I go? what do I do form here? is there any help for us? my home is on privet property family owed. the the company I am financed with has changed name 2or 3 times I have asked for help 2 times each from each of them once to refinance and then to do a loan rate modification.
Consumer complaint received 2020-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

I XXXX XXXX paid my last collection today that was a debt sold to XXXX XXXX XXXX. The debt I paid off on a negotiated settlement was originally owned by XXXX, XXXX, and the timeline for a legal collection purpose existed. However, upon a discussion with XXXX XXXX XXXX with my attorney on a conference call with me, it was determined that another collection that was originally owned by HSBC Bank Nevada, NA actually defaulted back in XX/XX/XXXX. So it was determined that XXXX XXXX XXXX acquired a debt that was not valid. Accordingly, this collection should have never been reported on any credit bureau. Therefore, I respectfully request through the Consumer Financial Protection Bureau that this item be removed from all credit bureaus immediately and permanently. XXXX XXXX
Consumer complaint received 2018-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Earlier this year I got a couple of alerts from XXXX indicating Commonwealth Financial was/has been reporting an emergency room medical debt to XXXX and XXXX  ( credit bureaus ) since about XX/XX/XXXX. The report states it's for a debt I supposedly incurred in the E.R. some years ago. I do not recognize this debt - the provider or the amount - and I assume it's because all of my medical debts were covered by insurance. I never received any bills pertaining to this amount, or from this company. I disputed the account to XXXX XXXX which appears to have removed it, but I still see it reporting to my XXXX  and XXXX  reports. The reports indicate information was recently updated but doesn't report as under dispute, which I'm aware consumer protection statutes require. 

I have yet to see anything, document-wise, produced which would indicate any debt is owed. I looked Commonwealth up on the website of the Florida XXXX. and see that their previous license to collect debt in Florida was REVOKED and their new license only went into effect in XX/XX/XXXX. I'm not sure if that explains why they never bothered to contact me before reporting this collection, but I imagine they shouldn't be allowed to do either without a license to collect in this state.
Consumer complaint received 2015-10-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (GA)

I am a new customer at rush card and i cant access my direct deposit. I called and I got through nd was told my money was on the card and when I went to the ATM I could not access my funds. I called back and was told when the system come back up I can get my money but it has been 10 days since the system went down. I have still no been able to get my money.
Consumer complaint received 2022-09-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (IN)

I received a refund from my Insurance company ( XXXX XXXX ) and I called asking why I received a refund and they said that they cancel my policy due to non payment from Rocket Mortgage. But because there was an issue with the first check, Rocket Mortgage sent out the second check the next month. But the check did not arrived in time and my insurance was cancelled. I called Rocket mortgage to fix this and they dial my Insurance company to get this reinstated and made sure that no fee will apply to me. Then I received a letter stating that I will be charged {$72.00} due to lapse in insurance between XX/XX/2022 to XX/XX/2022. On XXXX XXXX called asking about this issue and they said it was a valid charge. I then called XXXX XXXX to explain about this issue. I have paid my monthly mortgage/ escrow account in a timely manner but because Rocket Mortgage failed to confirm that my money has reached my insurance in a timely manner, I will be charged {$72.00} and insisted that they are not at fault because they sent it out in time without confirming payment. There is no receipt confirming payment or anything from XXXX XXXX. But because I am the burrower, they want to charged me this {$72.00} fee due to policy. I then called again today ( XX/XX/XXXX ) and spent over an hour having this conversation with Rocket Mortgage and their argument is that this is a valid fee due to them just sending out the money and I am arguing that this is not a valid fee due to Rocket Mortgage negligence to confirm payment. They refuse to remove the fee and they wanted my insurance to extend the coverage to those dates in order to remove it. I told them the insurance will not do it and I even call the XXXX XXXX agent that is assigned to me and confirm that they can not extend the coverage. They insist that they want to make the phone call but I ask them what happen if XXXX XXXX refuse to extend the coverage? Their answer is that they will still charge me {$72.00} due to the reason still being " Valid. '' Now I am still waiting for their call back.
Consumer complaint received 2020-09-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have advised TransUnion on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX. I have never paid the XXXX account late, I have never paid the XXXX account late, I have never paid the DEPTEDXXXX account late. The XXXX XXXX account does not belong to me, the XXXX XXXX  account does not belong to me, the XXXX XXXX XXXX account does not belong to me, the US DEPT ED account does not belong to me, the XXXX XXXX   XXXX XXXX account does not belong to me, the XXXX  XXXX account does not belong to me. TransUnion has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

To whom it may concern, I am filing a complaint against Chex-systems because I have been a victim of identity theft and I sent them my police report and got a response from them that i was clear of any negative information that was reporting due to the fraud. I tried to open up a savings account and was denied because there is XXXX accounts reporting negative on my file with XXXX XXXX XXXX and XXXX Bank. The dates on these accounts are right around the time that I sent my police report to Chex-systems.
Consumer complaint received 2016-01-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (TN)

Waiting on loan modification ( Lost medigation ) the mortgage company PNC told us to disregard letter from lawyer with a sale date of XXXX/XXXX/XXXX to wait until all paper work as been done. As of XXXX/XXXX/XXXX our home was put on auction for sale with us knowing nothing about the sale. Just stumbling across it on the internet. We called them that evening and the person we spoke with told us to talking with the lawyer handling it. Has we called on XXXX/XXXX/XXXX we were told they knew nothing about the sale of the home and to contact PNC again. We did just that and we are still getting the run around. We were never told of the sale nor was the sale of our home posted in the local paper. We are being told there is nothing we can do to save our home. But it looks like to us the XXXX different people we have talked give us different stories of what is going on. We sent all paper work as instructed to do. And where waiting on them for answer which we never received.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (FL)

Hello, My complaint happened on XXXX, XX/XX/2023, after the XXXX XXXX XXXX hour at the PNC bank located at XXXX XXXX XXXX XXXX, XXXX, FL. 
I went to the drive through to cash a check, as I have an account with PNC and the check was written to me from a Realty company that also has an account with PNC. 
I was recently married and had not yet changed my name on my PNC account. However my State ID had been changed to reflect my married name and the check was written to me using my new married name. 
I presented the check, my ID, and my account information to the teller. I had asked that she cash and deposit the funds to my checking account. 
She returned and stated she could not cash and deposit the check because my last name was different that my account name. 
I then asked her to just cash the check from the realty account. She came back and said she can not cash the check either!!! 
I asked her why was there an issue cashing the check off of the account it was written from as my ID and the check had the exact same name. She refused, I asked to speak with a manager. The manager was unavailable. I was in the drive through line over half an hour trying to get a resolve.

Finally, the teller stated she could cash the check " if '' I signed my name as it appeared on my account. I asked why would I do that because the check was not written to me using my old name and she didn't have to cash it using my account, use the account it was written from She refused and stated the manager was still unavailable..

I became frustrated and ask that she just return my check.

I phoned PNC to make a complaint and was told I should receive a call within 24 hours.

I went to a different PNC bank and was able to cash my check without an issue. I felt I was disrespected and mistreated. I don't feel anyone should be treated as such from one bank location to another. They should operate under the same procedures.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I put a security freeze on all three credit agencies. I needed to lift it temporarily, and had NO problem with XXXX  and XXXX. Experian, apparently, sent me a PIN number in the mail, which I do not recall receiving. I answered questions it asked online, but the company would not life my freeze and wants me to send in a copy of my drivers license, bills and other proof of who I am, and will not lift the freeze or allow me to use a verbal identification over the phone with SSN, former addresses, and other proof of identity. I'm ticked off, because they make is so difficult to lift my freeze and can not make it reasonable like the other two services. Meanwhile, because I can not get the freeze lifted, I'm losing {$600.00} by not having my credit approved in time. 

We have no choice to be able to remove them from our credit services. I'm frustrated and feel that they should be sued for restricting commerce.
Consumer complaint received 2023-03-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (IL)

Navy federal is accountable for damaging my credit score. They have breached their contract and continue to report to the credit reporting agencies. It affects my livelihood as a veteran as I try to purchase a home.

Also, Navy federal needs to remove themselves from my credit report immediately or I will seek legal action. They have also violated my consumer rights as they have no right to communicate with me directly or INDIRECTLY. Including through credit reporting agencies. They do NOT have my consent.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rent Recovery Solutions (NC)

XXXX and XXXX Compliant Numbers were resolved acknowledging that Rent Recovery Solutions and Rent Recovery Solutions XXXX would be removed from my credit report completely. XXXX still remains on XXXX when it should have been removed. I have reached out to XXXX  no response concerning this matter.
Consumer complaint received 2020-09-10
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. (TN)

XXXX XXXX XXXX, TransUnion and XXXX are in violation of FCRA 623 ( a ) ( 6 ) ( B ) which states " If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency ''. As of XX/XX/2020 this trade line still appears on my TransUnion and XXXX   credit reports when I have on multiple occasions disputed this trade line as being opened without my knowledge or consent. On XX/XX/2020 I sent the attached letter to XXXX XXXX XXXX at the address specified by a XXXX XXXX XXXX XXXX representative on XX/XX/2020 at XXXX XXXX to reiterate this along with the attached FTC affidavit via certified mail. Also attached is certified mail tracking information which shows the letter was received on XX/XX/2020 at XXXX XXXX. I subsequently called XXXX XXXX XXXX XXXX on XX/XX/2020 to verify receipt which the representative confirmed. Per my rights under the FCRA I am considering the possibility of litigating this matter if not properly resolved. A XXXX search of XXXX   complaints for XXXX XXXX shows I am not the only person that has experienced extreme difficulties in XXXX XXXX XXXX XXXX and their credit reporting practices and this seems to be a pattern and part of a strategy to purposely report incorrect information to the credit bureaus. XXXX XXXX XXXXXXXX
Consumer complaint received 2015-06-24
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (MA)

Ordered eye glasses from XXXX, supplied Doctors XXXX  Received glasses from Marvel but eye glasses did not match prescription.  Returned glasses for refund.  Marvel offers 365 day refund guarantee which they refused to honor so I disputed charge with Chase cardmember services.  Chase must be in conspiring with Marvel as Chase refused to honor the dispute, in violation of the Fair Credit Billing Act, and also refused to investigate the claim against XXXX.
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

In XX/XX/XXXX I pulled all 3 copies of my credit reports. I noticed two ( 2 ) accounts from The Bureaus and Bureaus XXXX XXXX XXXX XXXX XXXX XXXX. InXX/XX/XXXX I disputed the two ( 2 ) accounts with all 3 credit bureaus. In XX/XX/XXXX, all 3 credit bureaus came back as verified. I never received a dunning letter from The Bureaus or Bureaus XXXX XXXX XXXX XXXX XXXX XXXX about the two ( 2 ) alleged accounts. I was not notified within 30 days of them placing negative information into my credit file. On XX/XX/XXXX, I sent a certified letter to The Bureaus specifically stating I needed validation of alleged accounts. ( Letter enclosed ) On XX/XX/XXXX I received correspondence from The Bureaus with a generic Bill of Sale and a bank statement. However, I only received response to 1 alleged account.
Consumer complaint received 2016-04-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Hi, my case No. XXXX, last month I filed a complaint because Carrington mortgage services llc, increased the monthly payment to $ XXXX/mo, the reason was because the home insurance premium was up, I was paying $ XXXX/mo ( I found the reason about the insurance after they lied to me many times ), so on XX/XX/XXXX, the payment went down to $ XXXX/mo ( attached documents ), and they told me that 's amount I will be paying the rest of the year 2016. Today XX/XX/XXXX, I received a letter saying that they increase the payment again to XXXX/mo, I wonder if they will tell me another excuse and keep increasing the payment every month. On the first complaint I asked to turn the loan back to XXXX XXXX XXXX XXXX, these people are in the state of XXXX, I live in XXXX XXXX, and I 'm XXXX, for me it 's easy to go any XXXX XXXX. I never asked XXXX to turn the loan to Carrington.
Consumer complaint received 2015-10-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (FL)

Just recently, I am receiving several items of mail from BBVA COMPASS BANK. These pieces of mail are1 ) Notice of Insufficient funds of {$600.00} in Account XXXX ) Notice of Load Advance of {$230.00} in Account XXXX ) Notice of New Loan Balance of {$2000.00} in Account XXXX ) Notice of checking account balance of $ XXXX in Account XXXX ) Notice of Amount of Deficiency of {$250.00} ) Issuance of XXXX XXXX Cards, which I have destroyed. 

My issue is that until now, I never heard of BBVA COMPASS BANK and have never have done any business with them. My concern is that his could be a case of attempted identity theft. I have made several attempts to contact BBVA by phone, ( no local BBVA Banks near my residence ), and can not get any answers to why this is happening. Every phone call ends in a dead end. Any help you could give me would be much appreciated.
Consumer complaint received 2018-10-01
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

I called XXXX XXXX XXXX, XXXX to figure out why they sent me a letter stating I owe XXXX $ from an apartment I moved out from. They stated to me it was for some move out charges. I was never notified of any charges after move out before this letter. I talked to a female I believe her name was XXXX. She was extremely rude, and tried to get me to pay today, however I declined and told her I need a breakdown of what these charges are, and she refused to do so. She then questioned me why I am calling her, and I advised her because this letter has your information on it. She began to get very loud, combative and rude with me, and at that point I felt threatened by her tone and felt as if she was trying to verbally harrass me.
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (FL)

I have contacted the Chase company several times regarding the disputed matter. They refuse to remove the charge of XXXX from XXXX off my card and continue to charge me interest. I advised them that i booked through XXXX that XXXX and allure knowingly falsified images and advertised lavish images of the hotel and described it as a fine luxury resort. The hotel had no water in the pool or spa and was under construction the restaurant and cafe were closed the rooms ac and sleep number beds broke, the place was rat and roach infested. This place is not a resort, its not even a motel it should be condemned. I had no place else to go as this was XXXX weekend could n't find another hotel to stay at last minute so we were stuck. We tried to leave but were threatened by the hotel they would charge us anyways as we had a booked agreement. Since they would not release are funds we could not leave. We could not find a hotel in range that had an opening either. Our claim is that they lured us to the hotel on false images and documentation they provided on the website. Had they disclosed the true and accurate images and lack of amenities no one would have booked a hotel here and that is exactly why allure resort continues to commit the fraud that they do. it is false advertisement.