davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OK)

I attempted to withdraw XXXX dollars from a gas station ATM on XX/XX/2020 but had forgotten my pin. I never received the cash my transaction was denied due to invalid pin. I have receipts showing no money was dispensed. My bank ( Chime bank ) deducted the XXXX from my account anyway. I have disputed and was denied with no reason except that the ATM company said no error occurred. I have emailed them and they won't answer me. I have attempted to reach out all the way up through the company including the CEO but have been ignored. No one will help me and I can not afford to lose this money.
Consumer complaint received 2015-04-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

I contacted this agency because they are stating that I owe a balance on behalf of their client. The client ( XXXX XXXX XXXX XXXX ) went out of business. The hospital XXXX XXXX Hospital stated that they have nothing to do with Procollect and do not have a claim against me. I contacted the insurance company ( XXXX ) and they stated that they never received a claim for this alleged bill. I requested the name of the physician who has placed this bill in collections and Procollect would not provide that information. This company will not provide me with the original account information nor will they provide me with an account number. I believe that they are fraudulently trying to collect on old accounts that no longer exist. My name was previously XXXX and when I visited the hospital XXXX/XXXX/2015, I had full insurance through my employer who was XXXX at the time. I have never heard anything about this alleged bill or account until just recently.
Consumer complaint received 2016-10-26
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Northeast Recovery Solutions, LLC (PA)

A woman by the name of XXXX called my husband. SHe told my husband I owed XXXX. He asked for what and they would not tell him. My husband gave me the phone number to call back. I called the number and a guy answered the phone not even mentioning the name of a company. He immediately transferred me the XXXX and I asked her what this was in reference to and how dare she call my husband and give information to him without my knowledge. She told me that I am a " friggin mess '' and that she was going to have my wages garnished. I have no idea what company this is and when I look up the phone number online there are similar complaints.
Consumer complaint received 2015-03-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BBVA FINANCIAL CORPORATION (TX)

I am receiving calls ( XXXX ) a day from BBVA Compass and have told them on the phone and in writing I am not XXXX XXXX ( my name is XXXX XXXX ) and to please stop the barrage of calls. They clearly do n't believe me and another person may call within hours, most certainly days. I should n't be getting calls all evening and I have an XXXX shift and head to bed early around XXXX. Weekdays, weekends, they do n't believe me and wo n't stop. What do I do?
Consumer complaint received 2020-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (AL)

XXXX XXXX While going through a refinance process with another lender, we were made aware that the legal description in our current mortgage- Dovenmuehle paperwork is incorrect. The legal description and parcel # linked to our mortgage documents do not pertain to our property at all. This incorrect legal description is filed with our county courthouse. Until this legal description is corrected, we are unable to refinance our home with any other mortgage company. 

XXXX XXXX A certified letter and documents outlining correction to be made was sent to mortgage company. A representative for the special loans department called and assured the error would corrected immediately. 

XXXX XXXX XXXX Multiple phone calls were made with no answer, left voicemails, with no return calls. The calls that were answered were operators that directed me to the special loans department. This is the only department that can " help me '' but they are always unavailable or closed. 

XXXX XXXX Sent an email to Dovenmeuhle special loans email address given requesting a return call and update on correction process. Still no answer. 

I am unable to EVER refinance my home or sell my home until that legal description is corrected. Per the other mortgage company, no company will ever approve a new loan until the legal description is correct.
Consumer complaint received 2017-05-23
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. (KY)

XXXX   XXXX  claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Consumer complaint received 2015-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

I requested that this company send validation of my SSN and are how obtain. the company have not responded to my request instead sending a letter stating that they are threatning to put this on my credit file. The company should be able to support the validation of the method of them obtaining vital information.
Consumer complaint received 2016-05-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was talked into opening a bank account af after declining several times. The rep stated that if I opened a checking account I would receive a safe deposit box for as long as I had my checking account. I received a notice several days ago that next month I would need to pay for the box. 
They never said why, they just sent me a bill. I went into the branch and closed my account because it was unfair to do this. Bof A just decided all of sudden to discontinue the benefit and then charged me for the safe deposit box. I feel that this is unfair practices and they should be held accountable. If I received this, I should have been told that BofA could cancel it at any time. How do they have the authority to take things away from people and change things at a moments notice. If there is anything that can be done or any other agency that I can file a complaint with, please let me know. 
I feel this is very unfair to those who received this promotion. It is quite disturbing how the reps pressure the customer and tell them anything to get them to sign up, then once the customer has signed up to fulfill the purpose of BofA or satisfy their needs then it is taken away or they change the rules again when BofA want to benefit from the customer again. This is unfair.
Consumer complaint received 2015-09-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (FL)

I have signed up for a TD Bank Cash credit card on XX/XX/XXXX. They advertised a 15-month 0 % interest rate but on closer attention I now see they have in fact been charging interest on purchases within the 15-month period. 

The site does not allow me to contact the bank by secure message anymore. I called on the phone on XX/XX/XXXX and spoke to XXXX. I explained the situation and she refused to fix the issue. I have asked for a case number but she also refused to provide one.
Consumer complaint received 2016-05-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

The loan was approved for a trial modification while the XXXX law Firm was representing XXXX and XXXX XXXX for a loan modification in XXXX of XXXX. Thereafter, XXXX and XXXX XXXX made all of the trial modification payments and has continued to do so and SLS has accepted the payments. Unbeknownst to XXXX and XXXX XXXX, the permanent modification was allegedly sent to XXXX XXXX XXXX XXXX # XXXX, an address that was not listed anywhere in the RMA or application for assistance nor did the XXXX XXXX XXXX request for documents to be sent to this address. Additionally, the XXXX specifically requested assistance on the primary residence and listed the mailing address for the subject property of XXXX XXXX XXXX XXXX XXXX, FL XXXX. On XXXX XXXX, XXXX, the XXXX Law Firm contacted SLS to inquire as to the status of the permanent loan modification. IN response, on XXXX XXXX, XXXX, XXXX informed our firm that the permanent documents were sent to the alleged address provided by the borrowers and that the loan modification was being rescinded. We have attempted to ask SlS to re-open the modification and comply with the terms and conditions of same. However, SlS refused to comply with the offer and now wants our clients to begin the process from scratch. As the failure to timely submit the loan modification back to the lender was due to the fact that our clients did not receive a copy of the modification until the modification was sent to our firm, SLS must be required to finalize this loan modification.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ACS Education Services (OH)

ACS contacted me about a loan that was not mine, threatened and harassed me until I hired a lawyer, XXXX XXXX, and went to court. They could not provide documents to show I ever had the loan the court ruled in my favor. Now, in some student loan database, while I'm trying to apply for Public Service foregiveness, it's showing a loan with ACS. After several emails, would call but the company has changed, I can't get this to go away!!!
Consumer complaint received 2016-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NJ)

I applied for income based repayment in XXXX 2016. My Fed Loans has continually put off processing the application. I have called them multiple times a month for the last few months and it still has n't been processed. They keep saying that if I a pay a {$4.00} bill it will get processed. At first the bill did not come for a couple of months despite calling repeatedly and asking about it. Now I have paid the {$4.00} bill twice and still my loans have not been processed to income based repayment. Fed Loan Servicing keeps putting my loans in forbearance allowing interest to accumulate at an astronomical rate. My wife 's applied at the same time in XXXX had her loans processed in 2 weeks by XXXX XXXX XXXX. No matter how many times I call and they promise it will go through nothing has happened.
Consumer complaint received 2015-04-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (OH)

I have been receiving calls from a company called RPM ( Receivables Performance Management ) for several weeks, claiming about a debt I own. I think they are either scammers or someone has given my personal information to them. I am an customer of XXXX insurance which was subject to a recent hack and data leak. 
They either call and hang up or leave messages. Most calls are on the weekends in the evening or early morning. The XXXX time I was able to talk to a representative they were unable to tell me what creditor or company was seeking payment from me. I hung up. I 've already checked my credit report and have no accounts in collection nor have I been turned over to collection by any of my creditor. I 've block the XXXX numbers they have tried to reach me at, but I still get voice-mail messages
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (IL)

This complaint is targeted towards the lender who holds my loan, XXXX XXXX XXXX - the main problem is this lender is aggressively trying to foreclose this loan, despite me showing my ability to abide by a recently-terminated repayment plan - timeline below : Late XXXX : Borrower falls behind in Mortgage, due to unexpected dip in buisness revenue, combined with having to pay recently-hired staff out of personal funds ( held off Mortgage a few months in order to make payroll ) ; Early XXXX : Business revenue begins returning to prior levels, and laid off staff ( only use part-time 1099s now ), kept ( & continues to keep ) expenses low XXXX XX/XX/XXXX : Borrower tries to get loan modification on his own from lender XX/XX/XXXX : Lender rejects loan modifocation XX/XX/XXXX : Borrower contacts law firm for representation to get loan reinstated by lender XX/XX/XXXX : Lender rejects modification submited by law firm XX/XX/XXXX : Borrower meets w/law firm to begin bankruptcy preparation XX/XX/XXXX : Bankruptcy filed XX/XX/XXXX : Borrower completes credit counseling XX/XX/XXXX : Borrower begins bankruptcy payments to trustee ( has kept these current, even though amount has been adjusted upward 3 times ) ; XX/XX/XXXX : Borrower begins making mortgage payments to lender again ( did not realize when he should start, since statements are no longer sent ) XX/XX/XXXX : Lender informs Law Firm of payment defieciencies ; new agreement crafted with provisions to make up XXXX - XXXX misssed payments XX/XX/XXXX law firm informs borrower of new monthly requirements, borrower misses this update XX/XX/XXXX : Lender informs Law Firm of borrower 's failure to make up payment deficencies ; ( Borrower still making orginal payments every Month ) XX/XX/XXXX : Law Firm again alerts Borrower that Lender claims Borrower is failing to keep up with payments ; Borrower submits proof of payment ( XXXX - XXXX XXXX, still not realizing that additional monthy amout has been contractually agreed upon ; XX/XX/XXXX lender cancels agreement, moves forward with foreclosure process XX/XX/XXXX - Borrower finally realizes additional montly committment, asks law firm to contact lender to be allowed to bring agreement into complliance XX/XX/XXXX : Counsel for lender returns message that request to reinstate was denied Based on the latest calculations as of XX/XX/XXXX, a total of XXXX XXXX rough estimate, based on extra {$680.00} not being paid from XX/XX/XXXX - XX/XX/XXXX XXXX would bring the loan back current with the terms that were signed as of the XX/XX/XXXX agreement. The borrower is willing to reconcile this with one payment ;
Consumer complaint received 2016-10-15
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (AZ)

I was working with Wells Fargo to see what rates they had for mortgages. I was working with XXXX XXXX and once I found out that they could n't go any lower than XXXX % down, I told him to stop the process. I thought it was stopped but then I got a call from XXXX XXXX asking if we wanted to continue with the loan. I texted her that I had told XXXX that we were n't interested any longer a while ago. Then I received a letter in the mail that they had carefully reviewed our application and that they were sorry they were n't able to approve our request for home financing. I was upset because we told them to stop the process multiple times. Even though the letter indicates it would n't affect our credit I want this rectified.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Experian sent me my most recent Credit Report dated XXXX XXXX, 2016. Unfortunately my previous disputed inquires have not been removed. The same inquiries have been properly investigated and removed within the time period while Experian is using delay tactics to resolve the matter. The following inquiries are being disputed : XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX ( 2 TIMES ) XXXX # XXXX ( 2 TIMES ) XXXX XXXX BANK # 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 Please note that for some of the mentioned disputes have been made known to Experian since XXXX 2016. Experian has not complied with the 30 day period as per the FCRA.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

XX/XX/XXXX sent DISCOVER FINANCIAL SERVICE notice to rescind any written or verbal contracts with my signature. And to return the securities and FRN ( XXXX XXXX XXXX ) payments made over the length of the establishment of this account. 
A registered securities was mailed out and accepted on XX/XX/2024, been over 30days.

DISCOVER FINANCIAL SERVICES per CFPB responded with a letter informing me that they will not stop reporting potential harmful information to the public. And will not stop receiving and selling my securities fraudulently, this fraudulent debt thats continuingly collecting interests and principal on my behalf.
Consumer complaint received 2021-09-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

I refinanced my Mortage XXXX. The Mortage company totally messed all the numbers up and I filed a formal complaint with you guys for that. I received a check {$3100.00} XXXX for the refinance which they over calculated closing costs and escrow. Now today XXXX XXXX year later they charged me {$1400.00} and my Mortage is {$1100.00}. The Mortage company told me they sent the check by mistake and it was suppose to go to escrow. So the Mortage company charged me for there mistake from a year ago it makes zero sense. The Mortage company is being very sneaky and deceiving. I refuse to pay for an error they made over a year ago and just now noticed. This is so frustrating to a hard working man that never missed or been late on a Mortage payment.
Consumer complaint received 2021-05-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: JPMORGAN CHASE & CO. (CT)

on XX/XX/XXXX my PPP loan was funded by XXXX XXXX, which went through XXXX, funded to my bank Chase.

Chase claims ( with no proof ) that the funding was sent as an XXXX, which I am NOT, I am a XXXX XXXX, Both my PPP application / XXXX  and XXXX state this, However Chase is sticking to their story. 

Chase then offers a " resolution '' if I bring in my XXXX Schedule C they will release, I did, they refused and then asked for a XXXX Schedule C to release, I did, they once AGAIN refused, then the asked for a list of my transactions, I brought those in, they still refused and closed my account BUT did not send the money back to the lender. 

Lender nor XXXX will respond to me at ALL to help resolve this situation, PPP 's are something I OWE back and I never saw a XXXX.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth Financial c urrently is trying to collect a debt for the amount of {$930.00}. They have kept this on report when they also do not have a license to collect in the state of Florida. I have contacted them asking for the removal and also forward this information to all   XXXX   credit bureaus.
Consumer complaint received 2018-03-19
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. (NY)

I notified both Experian and XXXX that there is an incorrect late payment for XX/XX/2018 for my mortgage with XXXX with both credit reporting agencies. Both credit reporting agencies told me the information could not be changed because XXXX would not correct the information. I notified XXXX and was sent a letter from them verifying that I was NOT late for XX/XX/2018. I would like both my XXXX and my Experian reports be updated to display the correct information on my credit reports immediately. In addition, since my scores on both reports dropped considerably because of this late notation, I would like to be rescored to reflect the updated information.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I notified both XXXX and Transunion that there is an incorrect late payment for XX/XX/2018 for my mortgage with XXXX with both credit reporting agencies. Both credit reporting agencies told me the information could not be changed because XXXX would not correct the information. I notified XXXX and was sent a letter from them verifying that I was NOT late for XX/XX/2018. I would like both my Transunion and my XXXX reports be updated to display the correct information on my credit reports immediately. In addition, since my scores on both reports dropped considerably because of this late notation, I would like to be rescored to reflect the updated information.