davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (RI)

I recive a notification on my credit report stating that i owe a debt to debt XXXX XXXX XXXX for a blance of XXXX dollars i called the collection agency and ask for furture information concerning this debt i inform them that i had insurance at that time and was n't aware of this bill i ask for proof they sent me a email i told the rep i was not treated at that hospital by that dr and the debt was from XXXX past the XXXX yr i asked them to remove the debt from my credit i called the hospital billing who also could not verify the account as it was writen off their system instead the account was sent to a another collection agency comonwelath fianacal who also reported it as a current account so now i have multiple collectoin agency who are reporting information that should not be on my credit report when i ask for it to be remove they refused when ask for away to to dispute it she ignored me i asked to speak to a supervisor she hung up
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: REGIONS FINANCIAL CORPORATION (CA)

I receive my check via a prepaid payroll card and on XX/XX/2021 at XXXX my debit card was used at an ATM multiple times to withdraw {$1000.00} from my account. The problem with this is that I had my debit card on me and was in an entirely different city and county when this happened so how is this possible? Also it was done at an ATM so how did they get my PIN? This scammer also went to an ATM in an area I never go to. I don't know how this happened but it did. I didn't find out until the next morning ( XX/XX/XXXX ) and as soon as I found out I called to report the fraud. I told the debit card company what happened and was told they had to do their own investigation and if they found it to be fraud as i claim then they would refund my {$1000.00} that was stolen. I received an email today that stated the banks investigation didn't find evidence of fraud so my claim was denied. I live paycheck to paycheck and due to COVID 19 I am XXXX living in a XXXX  and need every penny I have to keep a roof over my head so what am I supposed to do when my money was stolen the same day I received my paycheck? I told the company I want copies of their evidence that made them come to the decision they did and that I have proof I was nowhere near the city the fraud happened in that day.
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (MN)

I am frustrated to see Experian stall the removal of the item I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking for proof of documents bearing my signature to prove the Credit Bureau claims that the disputed item belongs to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions but filing a lawsuit against Experian and sue them for the damage taken due to their incompetence. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see what they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please eliminate this damaging data immediately. 

XXXXXXXX XXXX XXXX XXXX ....
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 2021-05-24
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: ROBINHOOD MARKETS INC. (NY)

About XXXX months ago, I started investing my money on stocks through Robinhood App. When I decided to transfer my money out of Robinhood, it restricted my action because the initial bank account that registered with my Robinhood account was not the same as the one I would like to have my money transferred to. Thus, my request can not be fulfilled and they closed my account eventually without notifying me. Later, I got a call from their representative, he told me that my action requires their specialist to call me to assign a money order then I can withdraw my money from my local bank. However, during the past three months, I tried to reach them out and kept sending emails to their customer service email address regarding the same issue. None of my emails got a legitimate response from their side except those automatic replies. I deeply doubt that I got scanned by their company. Especially, considering the raging and increasing accuses and complaints pointed to their company since the 'XXXX XXXX XXXX '' I really don't know what to do and where to ask for help now. My family and I need this money to survive. Please help us find a way to get my money back. For your reference, I have attached some evidence below. Please don't hesitate to contact me if you need my further corporation. Your help is highly appreciated.
Consumer complaint received 2018-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

Payments over my standard amount due are repeatedly mis-allocated. I do not want them applied to future payments, despite the fact that every time I direct an overpayment, I specify that I want it applied to my balance and not put towards future payment. 

Additionally, I put in a request to change my repayment plan from income based back to standard, and this was not done.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

I 've attempted multiple times to freeze my credit report online with Equifax. I routinely encounter an error message online. I sent a letter in requesting the freeze. I want to make sure that the freeze has actually gone through since I do not know if the letter request arrived.
Consumer complaint received 2021-09-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I am filing the complaint against Equifax, XXXX, and XXXX because they have ignored my request for a reinvestigation since XX/XX/2020. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you
Consumer complaint received 2024-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (TN)

So I got sick before my first payment was due, at first they worked with me, which I just has XXXX a month ago that sick. Santander finally put my cat for repossession, even after saying they would work with me till I could get back to work. I had to.start borrowing money to get the {$1800.00} paid off, I paid {$1800.00}, so paid off last month. I got an email today saying I'm behind 3 payments and car back for repossession????????? According to online {$1600.00} is owed, which means either payments were not processed correctly, or they have charged me {$1600.00} in fee 's. I have sent them an email, I'm literally trying to get better, threw up today, so the stress is delaying my healing. Santander is a horrible company and how what they do is legal.
Consumer complaint received 2023-04-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

A few months ago, I closed my USAA insurance accounts because they claimed on several occasions that they did not receive my payments. Unfortunately for me every time they claimed to have not received a payment, I was charged a {$15.00} late fee. So, after several years of USAA losing my payments, I decided to change insurance companies to one who could properly process my payments without losing payments. After closing my accounts, USAA claimed that I owed them {$15.00}. The next month they claimed that I owed them {$30.00}. Enough is enough, I want them to stop contacting me and go away. I do not owe them anything. They can pay their own {$15.00} late fees from here on out.
Consumer complaint received 2021-09-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

Sold house on XX/XX/2021. Escrow balance at date of closing was {$3000.00}. Debit in XX/XX/2021 of {$3000.00}, bringing the escrow balance to XXXX ( verified on XX/XX/2021 statement -statement attached ). 

Waited a couple months for Escrow refund which never materialized. Began contacting company ( LoanCare ) in early XXXX, via numerous emails and phone calls. Customer Service contact line and options were all irrelevant to issue and unable to get a real person via phone. All requests for contact " looped back '' to recordings. 

Contacted organization representative from original loan ( XXXX ) via email between XX/XX/XXXX and XX/XX/2021 and received a direct number to speak to someone at Customer Service on XX/XX/2021. 

On XX/XX/2021, spoke to Customer Service representative and they acknowledged a discrepancy with the account/refund, as well as their inability to explain where the {$3000.00} balance/debit went. During this same phone call, Customer Service initially advised that it appeared we owed {$1000.00}, then reversed and said there appeared to be a balance, but did not expound on amount. Customer Service advised it would be deferred to Escrow Department and that a check would be sent within 7-10 days. 

In early XXXX, we received a check for {$10.00} ( dated XX/XX/2021 - check attached ) for account refund " Miscellaneous Expenses '' - letter attached. 

It should be noted that up to this point my wife was responsible for all contact with LoanCare representative with regard to this issue. Numerous contacts. On XX/XX/2021, my wife contacted Customer Service again because the refund issue was obviously not reconciled. Customer Service advised my wife she was not authorized to discuss the account. I immediately contacted Customer Service and was advised that the " system was down '' and my wife 's authorization status could not be verified. I then reiterated the issue with the escrow refund/balance/debit destination and my displeasure in the handling thus far. I was advised that the issue would be deferred to the Escrow Department ( or a department of that nature ) and that I would be contacted by them within 7 days. Unsatisfied with this, I pressed for a specific date and was told that if I do not hear from them by XX/XX/2021 to re-contact them. 

This afternoon I emailed LoanCare and received an " out of office '' reply. Ive essentially had my fill of this run-around.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Three ( 3 ) mortgage servicers erroneously reported my mortgage as late on various dates ; beginning from XX/XX/XXXX through XX/XX/XXXX. 
I engaged a law firm to conduct a formal and written audit as the account was serviced and transferred from each servicer. Upon receiving the report showing substantial inaccuracies in the servicers reporting of those mortgage payment lates, I first disputed them with the three credit bureaus ; beginning on XX/XX/XXXX. 
When the credit reporting was not corrected, I then ( in writing ) began disputing the erroneous information directly with the servicers on XX/XX/XXXX, including a copy of the audit report. 
To date, the servicers and the credit bureaus have not corrected the information.
Consumer complaint received 2020-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (OH)

Our homeowners insurance policy is to be paid through our escrow account with TCF bank- our current mortgage company. We received notice at the end of XXXX that our insurance had not received payment of {$900.00}. A call was made in which my insurance agent spoke to a representative named XXXX who indicated that the check was sent XX/XX/XXXX to XXXX XXXX. It was never cashed ( or received by XXXX XXXX our insurance company ) so she was supposed to reissue the check and re send it to state auto. I verified with her the XXXX XXXX address and our policy number. We were told it would take 7 days. 


By XX/XX/20 no check had been received. On XX/XX/20 I called and got disconnected twice that day and no one called me back. So I called on XX/XX/20 again and talked to a representative named XXXX. She said she would send the check to our local insurance broker so someone could sign for it to make sure we would receive it. No one could give me a confirmation # after the phone call except for XXXX, but no tracking number was provided. 

On XX/XX/20 we had still not received a check. I called and spoke to a supervisor named XXXX who indicated he did not know why we hadn't received it, but would initiate the process for an overnight check and would call me back to provide me with a tracking number and confirmation number. He called me back to say he could not provide a tracking number but it would be available the next day. 

I called again on XX/XX/20 to get a tracking or conformation number for the check and spoke to supervisor XXXX. She indicated that she started the process and would email me with a tracking and confirmation number by XX/XX/20. 

On XX/XX/20 I had not received a tracking or confirmation number and called back. I spoke to a third supervisor. She indicated that the request had been closed because they received a refund for a previously written check. She said she could initiate the process again, but would be unable to provide the tracking number at that time. 

Without prompt payment our homeowners insurance policy would be cancelled and without guarantee that a check was sent via tracking number, I was forced to pay our homeowners policy myself. I was informed on my phone call that our escrow account would not have an overage equivalent to the full XXXX and that I would need to provide a declaration of payment to them and make a request for a check in the amount of the overage ( less than I had to pay personally ).
Consumer complaint received 2016-05-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

Today is XXXX XXXX, XXXX. This property foreclosed in XXXX XXXX but the bank has not sold the unit and is not paying dues to the XXXX XXXX {$580.00} due ) or XXXX XXXX XXXX {$2300.00} due ). They also damaged Association property during the transition to take possession of the property. The estimated cost of damage is {$1900.00}.
Consumer complaint received 2021-04-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lewis, McDonnell & Associates (MS)

In XXXX, XXXX, I discovered XXXX XXXX XXXX XXXX were reporting an account on my XXXX credit file. I disputed the account with XXXX and sent XXXX a request for debt validation. On XX/XX/XXXX, XXXX XXXX responded with a letter and a statement. According to both the letter and the statement they provided, the balance owed on the account is {$2500.00}. To XXXX, however, they were reporting a significantly higher balance owed of {$3600.00}. In their correspondence they provided no explanation for this inaccurate reporting. Additionally, on XX/XX/XXXX, they updated the balance so it was even higher - now reporting it at {$3700.00}. 

Additionally, they are reporting the account as being opened in XX/XX/XXXX when they specifically note in their letter that the account is fromXX/XX/XXXX. They are attempting to extort more money from me by reporting falsely to the credit bureaj
Consumer complaint received 2021-04-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Mortgage Service Company (KY)

We closed on a property in KY on XX/XX/XXXX. On XX/XX/XXXX over 6 months later we were contacted by Springdale Title informing us that our escrow account was overdrawn. We were told that our tax amount for the year XXXX was more than estimated on the XXXX settlement statement. The amount demanded raised flags to us as it was a very large discrepancy. After it was brought to our attention, we requested a statement we could reference detailing why we owed this money and how Springdale Title calculated the exact number. We were provided a hastily produced word document that did not help us ( no debit or credit indication for each amount that was given ). Eventually between our emails with the company, the word document and our statement settlement from closing we determined where the error was made. The estimated taxes paid by the previous owner had not been correctly credited to the XXXX estimated taxes. Rather, the money was credited directly to us XXXX the borrower ). After some back and forth with Springdale Title, they admitted there was an error made on our final closing settlement statement. 

We do NOT dispute that we owed Springdale Title {$1300.00} to remedy our escrow account overdraft. We paid the amount requested XX/XX/XXXX. 

Our grievances/complaints are as follows : - Springdale title did not initially admit that they had, in fact, made an error.

- Springdale Title initially asked for an incorrect amount. In total, we were told our tax burden for the property for the year XXXX would be 3 different amounts ( one amount before the property taxes were paid and two different amounts afterwards ). These 3 amounts were significantly different from each other, which did not instill confidence.

- Springdale Title demanded payment via email with no documentation supporting the specific amount they were asking for to remedy the escrow account overdraft.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (MD)

Credit Collection Service is reporting derogatory remarks on my credit report when I've never done business with this company nor do I owe or have ever owed any balance or money to this company. The account appears on my credit report as a collection account from an original Lender ; XXXX. XXXX  is not a Lender and furthermore I do not owe XXXX any unpaid balances. I've had XXXX  as my insurance company for some time and would not be able to continue with their insurance service if I owed the company any unpaid balances. The information Credit Collection is reporting is incorrect and needs to be deleted.
Consumer complaint received 2021-09-20
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: AMERICAN EXPRESS COMPANY (CA)

Applied for and received an American Express XXXX XXXX XXXX ending in XXXX. I complied with terms of the promotional offer but was not awarded my welcome bonus. I confirmed twice during phone calls that I was eligible, but the bonus was not honored. On XX/XX/2021, I was told it was not honored because I have a credit card with XXXX. First, I did not authorize my information to be shared under Regulation SP. Second, I do not have the exact card with XXXX. Of course, I was told the exact opposite and relied upon that in both opening and using the card.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

I opened a joint savings account end of last year approx. XXXX or XXXX at the branch location in XXXX XXXX, NY. The employee stated there's no fees associated with this account. I normally make transfers from my savings to checking. This year in XXXX, I noticed a fee called " excess fee of {$9.00} charged over and over. I did not see this appear on statement or the app until this year. I called TD in XXXX, inquiring about it and the rep stated its fee associated with the account when you exceed the limit. I told the rep how I was informed no fees were associated with this savings, and why is TD charging me without informing me of such service changed? I told the rep I want a full refund of every excess fee of {$9.00} in this joint savings and in my own savings account. No one informed me of this. This is bait and switch service which is illegal and violation of federal rules. The rep gave me {$90.00} but this is less than what TD sneakily took from me. I want all of my money back from every excess fee charge. TD has a pattern and history of stealing consumers money!