davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MT)

my husband had a XXXX XX/XX/XXXX. our lender was required by law to work with us and gave us a loss mitigation for 12 months. as soon as my husband was able to return to work before the 12 months was up, they sent us a nasty letter demanding over {$7000.00} in back payments and over {$2700.00} for some terrible very expensive insurance they purchased, when it was due to their incompetence that our good insurance in escrow had gotten dropped because they kept paying it late, causing there to be alot of late charges and increasing the overall cost of the insurance. but that 's a secondary problem. after a loss mitigation loancare/XXXX- was suppose to have offered us a payback agreement arrangement or give us a modified loan which would have put the missed payments onto the end of the loan, which we mistakenly had believed they had already done. but they offered us nothing. they sent the letter dated XXXX XXXX, but we did not receive it until XXXX, and the deadline to file an appeal they set on XX/XX/XXXX. so we barely had any time to file an appeal. i managed to hand write a very sloppy one and get it mailed on XX/XX/XXXX. what they have done is to invalidate the entire loss mitigation purpose. they knew we did not have an extra {$9000.00} at that point just lying around to give them. they were angry at having to give us the loss mitigation in the first place. but this has to be a violation. they also XXXX so his credit rating has become so poor, that when we tried to get new house insurance there was n't one company that would pick us up anywhere! suddenly due to conditions beyond his control, and after never before missing a mortgage payment, or filing a house insurance claim of any kind, he was such a high risk as to be completely uninsurable! this company is disreputable and should be put out of business, they started foreclosure proceedings after wer were late once by five days with our payment. when we tried to make payments twice they refused to take our money, yet they keep sending letters stating we are now two payments behind, but they wo n't take our money. then we found out they have refused to put our XX/XX/XXXX payment on our loan. so they have our {$540.00} just floating around somewhere. they sent us an apology letter, saying they had meant to tell us our new payments were {$700.00} but they were still foreclosing! now my husband is a veteran and we had been working with the va home loan program and were told they would refinance our mortgage if loancare would remove all its demonizing and libelous bad credit reporting, we did not miss any payments. we had a loss mitigation and kept up with all that was required of us for almost a yr. during a very difficult time in our lives when we did n't have XXXX cents to rub together! this negative credit reporting is obviously just done by robo computer program. its not as if XXXX just decided one day to quit making his house payments.
Consumer complaint received 2023-05-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: JPMORGAN CHASE & CO. (OR)

I purchased a used 2023 XXXX XXXX from XXXX XXXX XXXX in XXXX, OR on XX/XX/2023. I repeatedly told the salesperson ( XXXX XXXX ) I did not want to purchase an extended warranty with purchase of my vehicle. The dealer included an extended warranty with purchase of my vehicle at a cost to me of {$1200.00} even though I repeatedly expressed I did not want to purchase an extended warranty under any circumstances. The salesperson ( XXXX XXXX ) misrepresented the purchase of the extended warranty as I was signing all the required paperwork. The salesperson ( XXXX XXXX ) led me to believe the extended warranty I was purchasing was actually a factory warranty at no cost to me.
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

My Chase 24-Hour Online banking account often displays out of date information, including payments recently made. See attached documents. 
A payment made to XXXX Account on XX/XX/XXXX shows as paid, but still does not show on my Chase activities by XX/XX/XXXX. If it 's already paid, it should show as activity on XX/XX/XXXX. 
This has become a consistent problem, resulting in inaccurate info on my account, which then results in overdrafts and fees. It seems this is done to maximize collection of overdraft fees. I 've complained about this to Chase by telephone before.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hello, my name is and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-02-01
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (MA)

I have received several calls from XXXX, on behalf XXXX, regarding a student loan that I cosigned on behalf of a younger sibling. They had called several times throughout the day and weeks from various numbers including ( XXXX ) XXXX. 

When I finally answered, XXXX, the first representative, didnt identify herself or the agency. Instead, she began to ask me for my ssn. I asked for information before providing any personal info and eventually felt comfortable enough to provide the last 4 digits of my ssn. XXXX indicated that there was an opportunity to remove my name from the loan altogether through a settlement of about {$8000.00}. When I asked for written documentation regarding that settlement she refused to send anything in the mail or by email. 

After several requests to send written documentation of the settlement offer by email or mail, the representative indicated that failure to pay would have implications on my mortgage and other financial obligations. At that point, I explained to her that I understand my rights under state and federal law and that I believe her communication was inappropriate and may be in violation of those rights. 

The representative continued to speak over me and would not listen. She refused to provide any written documentation to me. The representative continued to indicate that certain actions will be taken if I had not provided payment account information to preserve the settlement offer. 

Once again, I asked her to provide written documentation regarding the settlement offer and possible payment plan but she refused. At that point, I told her that because she could not provide any additional written information I would hang up and would file a complaint. 

Within about an 1hr, I called the number again to get the full name of the representative and a mailing address. The second representative, XXXX, told me that she had no record of my previous call. When I pressed her for information, she said that she overheard the call. Because she lied about the recording of the previous call, I ended the call. 

I do want to remove my name as co-signer of the loan and, depending on the terms and other factors, am willing to enter into a settlement and/or payment plan. But the representatives withheld information, made threats, and several misrepresentations. These calls were around XXXX and XXXX on XX/XX/2018. 

So I am filling a complaint but would also like some guidance. My contact information is above. 

Thanks XXXX
Consumer complaint received 2015-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

Fidelity Information Corp, on behalf of original creditor, " XXXX XXXX and XXXX XXXX XXXX, '' is attempting to collect a debt for which I was never contractually obligated. This debt, resulting from unpaid obligations to rental property management, should only be assigned to the contracted lessee, my father. At the time, I was a dependent of my father ; he was my sole source of housing and financial support, as I was an unemployed full-time college student. Although I was likely listed as an occupant on my father 's rental agreement, I never signed a lease, and never agreed to pay any portion of the rent. The collection agency, Fidelity Information Corporation, has been unable to provide me with adequate proof of this debt, and has been unable to prove that I was contractually obligated to repay this debt resulting from a contract that my father signed while I was listed as his dependent.
Consumer complaint received 2015-07-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (AZ)

I took out private loans through the lending institution American Education Services/National Collegiate Trust back in 2006, while I was an XXXX student at XXXX XXXX XXXX University in XXXX XXXX, CA. The initial amount of the loans was approximately {$57000.00} ( current remaining balance is approximately {$46000.00} ). The loans remained in a deferred status during the remaining part of my education as an XXXX student at XXXX and throughout my XXXX education at XXXX University in XXXX, PA. Upon graduating from XXXX school, the loans qualified for the 6 month grace period. Although I was employed within 6 months of graduation, I requested several consecutive deferment and forbearance periods due to the fact that my total salary was not sufficient to make minimum payments while supporting a family of XXXX. I have XXXX children, and at the time, I was married, and my spouse was unemployed. Upon finally entering repayment, my original minimum payments were approximately $ XXXX/month. After my spouse returned to full-time employment, this was a payment that our family could afford without being placed into a financial hardship type of situation. However, after 6 months, AES notified me that they were going to be ballooning my minimum monthly payment to over $ XXXX/month ( approximately $ XXXX/month ). I was very clear with AES that, if they took this action on my loans, this would certainly pose a financial hardship for my family, as we could not afford that amount for a minimum payment. AES persisted in taking this action anyhow, and my private loans subsequently entered default status. I continued to make the $ XXXX monthly payment even after my loans entered a default status to show that I was making a good faith effort to repay my loans. This action did nothing, however, to prevent or reverse the status of my loans going into default. I had not been in a financial position to repay the loans for quite some time post-graduation from school, and when I finally got to a point where I could repay my loans, AES only accepted 6 months worth of payments before ballooning my minimum payments. AES was not in any way concerned about impacting my credit and sending the loans into a default status. This has had an incredible impact on me and my family, personally, as now I am divorced and was allocated ALL of my student debt in the final divorce settlement ( this amount totals over {$200000.00} as it includes BOTH my private and federal student loans ), and financially, as the consequences to my credit means that I have a difficult time qualifying for purchases I may need to make in the future, such as purchasing a home or a vehicle. These loans are currently being managed by a collections agency, and the loans have been turned over several times to several different collections agencies since entering default.
Consumer complaint received 2021-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (VA)

For XXXX years I have carried motorcycle insurance on a XXXX XXXX that I purchased that can not be driven on the road. 

In XX/XX/2021, I permitted the coverage to lapse rather than extend the coverage, as I decided that the insurance was too expense for a vehicle that I only drive in my yard. 

XXXX took it on themselves to extend the coverage that I did not want, and then sent me a bill for the coverage. I ignored the bill because they charged me for something that I never wanted or agreed to in the first place. 

Now they have sent the bill to collections, with Credit Collection Services. I carry homeowners and car insurance with XXXX, but clearly, it's time that I found someone else for insurance.
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo bought my mortgage for my condominium. My mortgage is not supposed to have an escrow account, yet they are charging me for escrow, but they are not paying for my taxes, or insurance, or Condo Association Dues. I pay them myself. Last year I had a lot of trouble getting my flood insurance renewed for my condominium. So, Wells Fargo started sending me threatening letters and charging me an exhorbitant amount for insurance. I have since been able to get my own policy. I have paid back Wells Fargo for the lapsed time of my coverage, yet they are insisting to continue to charge me for escrow, without paying any bills with escrow money. I have contacted Wells Fargo twice in consecutive months after I receive my statement. Last month they assured me that the matter was resolved, but then they kept adding escrow charges to my non-escrow mortgage.
Consumer complaint received 2019-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Chance Collections, LLC (VA)

I have been contact repeatedly by this bill collector on a debt that is not owed. I have repeatedly told them to stop contacting me as well as asked for verification of the debt which then can not produce. I have been contacted by email on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX I have been contacted by phone : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2015-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Comerica (NC)

We sold our house in the XXXX XXXX last week and moved to a home in XXXX where we want to use the proceeds of the XXXX area mortgage to pay off for a mortgage here in XXXX. The bank involved on the payoff mortgage for our present home mortgage has no offices XXXX area. Because of that they have stated that we must come in person to payoff this mortgage requiring a XXXX mile round trip. We want to pay off the mortgage without making this trip! Is this possible? The bank is Comerica.
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

XX/XX/2023 I made two payments over the phone to Rocket Mortgage. I specifically told the woman on the phone that one payment was for XXXX and one was for XXXX. In XX/XX/2023 I get notice that my mortgage has been transferred to XXXX Bank. I call XXXX XXXX  to make sure two payments were received. XXXX told me they received one payment and the other payment was applied to principal. I have made several phone calls to both banks but the problem has not been resolved. The people at both banks tell me the problem will be resolved but that has not happened. On XX/XX/2023 I spoke with XXXX from XXXX and XXXX XXXX from Rocket on a conference call. Both said they would take care of it. I fowarded a copy of my checking account statement to and XXXX XXXX indicating the two payments made XX/XX/2023. XXXX said she was going to open an inquiry into the matter and gave me a XXXX XXXX. XXXX XXXX. XXXX. To date I have not heard from either Rocket or XXXX. 
I made a payment on XX/XX/2023 to XXXX.
Consumer complaint received 2017-01-30
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Liberty Home Equity Solutions, Inc. (MD)

My sister-in-law XXXX XXXX had a reverse mortgage with Liberty HE Solutions. She passed way on XX/XX/2016 and had {$31000.00} in her line of credit ; on XX/XX/2016 she sent a request to have the those monies transferred to her checking account. Liberty has refused to send the money because she had passed before the transfer took effect. They told us that taxes were owed and the Executor of her Will, XXXX XXXX ( son ) said that was fine, pay the taxes and send the remaining. I had prior approval to communicate with Liberty and called Liberty numerous times to ask for release and was bounced around by a supervisor, XXXX XXXX, with no satisfaction or a written decision other than saying this was unusual. The money was needed to pay for her funeral and other expenses.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (CA)

ALL 3 credit Bureaus have been made aware via certified mail. 
Sent in FTC report via USPS certified mail and filed to credit bureaus on XX/XX/XXXX FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Email : XXXX I did not consent to nor authorize or benefit from following fraudulent accounts below. Please lock and remove them immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts Affected by the XXXX XXXX XXXX Opened by the Thief Company or Organization : Inquires Total fraudulent amount : {$0.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Consumer complaint received 2015-07-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: The Law Offices of Kenosian & Miele, LLP (CA)

i was sued by kenoshian miele. .went to court was waiting for proof ( discovery ) ) had a court date for XXXX 2012 and they moved the court date to XX/XX/2012 without notifiying me and so in turn they got a default judgement against me.
Consumer complaint received 2016-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (WA)

No written notice. No communication. Did not receive notice of right to disputed. Sent info to my credit report. Not enough correct info to verify debt or amount. After I filed a complaint to XXXX I recieved an email.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently I've viewed my credit report & noticed inaccurate information reporting. I reached out to all 3 credit bureaus, Transunion, XXXX XXXX XXXX to correct the inaccurate information reporting nothing was done & I did this twice & no updates of any kind. Today I decided to escalate it with making 2 complaint .1 with the FTC & a other one with the CFPB. This matter can't continue. NEED HELP SOLVING THIS ISSUE.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (FL)

I have been attempting since XXXX XXXX to add a POD beneficiary to my checking and savings accounts at US Bank . I first tried on-line and can not get the form where it looks like it should be available on their website. 
I called an 800 number and was transferred around until eventually I was transferred to XXXX. That was XXXX. I was asked for confidential info about my intended beneficiary and was told it would be added to the form and the form would be mailed to me. I never received the form. I became concerned about providing the bank with the confidential info for my beneficiary. ( name, address, social sec no... ) I called XXXX again around XX/XX/XXXX. This time I was told I would receive a call back from another representative to assist with this. I never received a call. 
I called XXXX on XX/XX/XXXX since this looked like a number to file a complaint with the bank. The person I spoke with was another customer service person who suggested a manager could call me back. I asked a number of times how to make a complaint since I had already tried that. She ended up pretending to transfer me to XXXX and hung up ( after raising her voice at me ). 
I live in Florida and can not get to any branch. I can not get the bank to provide a POD form or accept a complaint to management.