davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alorica Inc. (PA)

Visited XXXX XXXX XXXX in XXXX and updated address on patient form. XXXX was sent to address from XXXX year prior and I never received correspondence. No calls were received. 
On XXXX, the collection showed on my credit report so I immediately investigated and called XXXX and paid the balance owed of {$150.00}. I was told at that time the collection would be removed from my account due to circumstances. 
The collection is still showing on my account as a {$0.00} balance and the derogatory remark remains. 
I called the accounting team at XXXX and was advised they would not be removing the collection remark from my account as I " should have known '' there was an outstanding invoice. This is their billing error due to the fact they did not update my address with corrected/new information.
Consumer complaint received 2017-01-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alorica Inc. (OH)

A medical bill of mine was turned over to collections. I filed for medical assistance and everything on my account was credited including the account sent to Global Receivables. I have contacted them several times and sent the credit notice to them, along with a copy to XXXX and XXXX and I can not get it removed from my credit report even though I have sent them all copies from the hospital that I do not owe it.
Consumer complaint received 2015-09-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PlusFour, Inc (NV)

Plus XXXX just reported an outstanding collections with XXXX of XXXX stating I owe a medical bill. This bill was paid/settled out and was to be removed from my credit file. Now I am closing on a home loan and can not now due to this inaccurate information listed. I need some quick help.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On Monday, XX/XX/XXXX, I had two false XXXX charges on my Chase bank account after losing my phone and wallet. I called Wednesday, XXXX XXXX to submit a claim. I was told there would be reversal of charges and an investigation. I did not recieve either. My claim closed within 3 days, and I never recieved any temporary reversal of charges while the " investigation '' was ongoing. 

They told me to get in contact with XXXX, which I did, and they could not help me either with a refund and told me to contact my bank. A Chase representative told me on Friday, XX/XX/XXXX, that my claim was actually in progress and I should recieve a reversal on XX/XX/XXXX. 

However, today, on XX/XX/XXXX, i had not recieved anything, so I reached back out and was told my claim was closed after just 3 days. I don't believe the claim was investigated properly, with the ticket quantity being looked into and such. i was told because I used XXXX before, that it couldn't be fraud, which did not seem feasible to assume.
Consumer complaint received 2016-07-12
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FC HoldCo LLC (OH)

Went in XXXX 2016 applied for vehicle loan, left with vehicle dealership needed more information a week later gave in mean time received a denial letter from finance company and as of yet still have n't received any information from finance company to pay my loan was told from dealership on XXXX XXXX 2016 everything was finally worked out
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc. (GA)

Loaner vehicle customer got a parking ticket in City of XXXX. Under Georgia law, specifically Georgia code O.C.G.A 32-10-64, ( c ) ( 3 ), this parking fine is owed by the driver of the Loaner vehicle, NOT the owner. We have advised the City of XXXX 's agent ( XXXX ) and this collection agency ( Professional Account Management, LLC ) of this law on three separate occasions. However, they continue to pursue this debt against us instead of the customer that actually is responsible for this fine per GA law.
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (AZ)

I am a XXXX in XXXX Az and represent the seller. The buyer came prequalified with a loan from US Bank, XXXX XXXX XXXX, NMLS XXXX. All communication via the Loan Status Update document and other email showed the buyer as being prequalified but 3 days prior to closing, US Bank decided to deny the loan because of something on her credit from when she was married years ago. This wasn't something new that just happened and should have been caught during the weeks leading up to closing. They were unapologetic and would never give anyone a clear reason as to why the loan was denied. I never received anything in writing alerting us to a potential issue. 

The seller during this time had moved to TX and put an offer on a home, now risking the loss of earnest money because of US Banks negligence. The buyer quickly found a lender at XXXX who said they could close in 2 weeks if US Bank would supply the appraisal. US Bank said they would and promised each day to send it over but kept dragging their feet and delaying the paperwork. We should have known they would not do as promised and just ordered a new appraisal. 

Now, we are days from the second COE date and they still have not supplied the documents promised. During this time I have called my several contacts at US Bank numerous times to complain and plead for help but no one has returned my calls. I told them several lives are being held hostage and unable to move forward because of their negligence but they still do not seem to care. The lack of fiduciary duty by these in the mortgage industry is embarrassing to our industry and a cause for concern. They should not be practicing in this industry. Please let me know if there is any recourse with US Bank.
Consumer complaint received 2015-09-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (NJ)

XXXX has that I owe them XXXX. This amount is erroneous. I called XXXX to cancel my mobile service and they refused to cancel unless I paid the outstanding balance so they continued to bill me and add on late fees which totaled the amount above. I can not believe they refused to cancel my service and continued to bill me. this outstanding balance has been transferred to various collection agencies in an attempt to collect the erroneous debt and its negatively impacting my credit score/credit report.
Consumer complaint received 2017-05-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (MO)

Like many Americans, my wife and I have been paying student loan debt for the last 17 years.     During the consolidation process in the  XXXX  's our loans got locked in with 7.8 % interest rate, even though some of the loans had lower interest rates we figured it would be easier to manage the loans.   After the consolidation process-I was paying between $ 500-600 dollars a month on my student loan but because of the 7.8 % interest rate and several forbearance periods on the loans, the initial principal balance kept growing out of control. Besides the interest growing out of control it was also hard to keep track of who was servicing the loans. The loan servicers kept changing for both my wife and I, from  XXXX   XXXX  to  XXXX   XXXX  to  XXXX  to Great Lakes, etc. we were not able to keep track of the payments we had made and the manner the loan servicer was applying for our payments. Each time the loan was sold or taken over by another servicer, they only showed the amounts from the time they received the loans and did not easily include past loan info from the other servic er ( s ). At one point a l ump sum payment in the amount of {$5000.00}, to my wives loan was completely applied just to interest and we saw no real drop in the amount owed.     My wife and I suffered a tremendous loss during the financial crises of   XXXX  . Our savings and business were practically demolished. It was at this point, I reached out to my loan servicer and asked if I could negotiate a lower interest rate for the student loans, but I was denied. I was told that since we had consolidated a few years earlier, we could not reconsolidate and there were no other plans or income repayment opportunities. My only recourse was forbearance or deferment. I realize there are a number of income repayment plans now available and that works for new student loan borrowers, but it does n't do any good for older student loan borrowers that got trapped during the financial crises. Most our loans are loaded with interest and without the ability to renegotiate.   Why is it that most banks got close to 0 % interest loans to pay down their debt during the financial crises of  XXXX - XXXX , and y et US Citizens with  student loan debt were not able to get refinancing and debt relief for whatever reason and were only provided with options that increased our debt load, and is keeping us tethered to unreasonable interest rates, unreasonable length of time for paying said debt and directly affecting our ability to purchase a home or property.
Consumer complaint received 2017-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Chrysalis Holdings LLC (NJ)

I applied to NewDayXXXX who has TV ads that promise help for veterans. they turned me down for the same reason that all the other companies did. despite the fact that I have a high XXXX credit score, have paid my mortgage for 40 years, XXXX on time payments, substantial assets, and was asking for a mortgage that is 1/5 the selling price of my house. guess they do n't want to help vets that much!
Consumer complaint received 2016-01-12
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Skopos Financial, LLC (GA)

HELLO this company is did a hard click on my credit file without my written consent i never asked them for credit and never authorized any one to ask them on my behalf they are refusing to remove the hard click of my credit file last XXXX of ss XXXX reported XXXX/XXXX/2015
Consumer complaint received 2017-01-30
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Chrysalis Holdings LLC (CA)

This is my complaint which i have also filed with the XXXX, MD Office. I have also sent a copy of the below complaint to my Congressman. They are not helping Vets they are lying to them saying you do not qualify for a 3.5 percent loan for cash out. When every other home loan company rates are 3.5 with cash out. 

I 'm writing this in hopes of warning fellow veterans to look into alternative Mortgage Institutions other than NewDay USA mortgage loans. After submitting required loan documents, I was pleased with the progress of the loan process until I received a copy of the Loan Estimate. NewDay USA gave me an interest rate of 4.2 and 4.7 when the prevailing VA interest rate was at the 3.50 percent. After receiving this information, I contacted XXXX other reputable loan companies and also filed for a VA mortgage loan. Shortly after I received both Loan Estimates, they were surprisingly lower at 3.50 ... Same credit, same loan amount, same loan duration. I was also told that the reason my rate was at the 4.7 was that i had take the XXXX percent financing, however when she looked at my loan she discovered that i was not taking XXXX but XXXX percent. So, she quickly change to another topic. 

I called my loan representative back from NewDay USA and asked why was my loan interest rate so high. The rep stated that the VA rates we carry are at the 4.5 level and if I wanted a lower rate, I would have to take loan without the cash out option. When pressed on the various details of their loan estimate, my rep became evasive. My loan was cancelled. Now i 'm currently in the process with a new company to obtain a VA Loan with the cash out option. The Loan Estimate i received with this company is at the prevailing VA rate of 3.50 %. 

My Fellow Veterans - NewDay USA seemingly pride themselves of having Integrity and promotes giving back to service members and veterans. However, please be careful and shop before trusting any company, especially NewDay USA. Please review your " LOAN ESTIMATE '' very carefully before signing closing documents. If your rate is substantially higher then the prevailing VA rate, " Do n't Sign '' those documents. 

The President, CEO, COO, and Board of Advisors should be ashamed of themselves for misleading VETERAN. Veterans expect more from a company that represents themselves as being the brightest military minds of our generation. Members who know the needs of veterans but instead of helping veterans they take advantage of them by charging outrageous rates for VA Home Loans even when the prevailing VA interest rates are lower. 

I believe this matter needs to have a congressional leader involved.
Consumer complaint received 2016-08-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation (NJ)

I opened a XXXX and leased a credit card machine the business was n't doing well and had to be closed. I was told that if I returned the equipment everything would be fine so I did. I was never told that I would be responsible for paying for the equipment even though it was returned to the merchant. The company first data has this account on my credit report and it 's affecting my ability to get a mortgage. Please help me remove this account from my credit report.
Consumer complaint received 2017-03-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Simon's Agency, Inc. (CA)

I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request. 

RE : Account Number : XXXX Balance : {$13.00} Original Creditor : UNIVERSITY XXXX XXXX / Account Number : XXXX Balance : {$15.00} Original Creditor : XXXX Account Number : XXXX Balance : {$15.00} Original Creditor : XXXX Account Number : XXXX Balance : {$360.00} Original Creditor : XXXX Account Number : XXXX Balance : {$200.00} Original Creditor : XXXX XXXX Account Number : XXXX Balance : {$920.00} Original Creditor : XXXX Account Number : XXXX Balance : {$15.00} Original Creditor XXXX Account Number : XXXX Balance : {$15.00} Original Creditor : XXXX Account Number : XXXX Balance : {$15.00} Original Creditor : UNIVERSITY XXXX XXXX /
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I have contacted Navient many times to see if I qualify for a payment reduction or to consolidate the loans and they have told me many times that for my loan that can not be done. At this point I dont know what else to do. I pay and the balance never goes down. It is a nightmare.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

There is a  XXXX   XXXX   XXXX  account on my credit report with a total balance of {$19000.00} that was opened on or around  XX/XX/2008   . When I was just  XXXX   years old , my birth mother coerced me into taking out this loan. I did not receive any money, goods, or services, nor did I benefit from the opening of this account. I hired an attorney to represent me for this account. After my attorney spoke with  XXXX ,  XXXX  determined that I was no longer liable for this account. I 've disputed this account on  XXXX  and  XXXX , and it was removed almost immediately. However, I 've disputed it on Equifax, and was not even notified of the results or anything that the investigation was complete, and the account is still outstanding on my Equifax credit report.
Consumer complaint received 2016-08-09
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: MyScore LLC (CA)

I am just learning that XXXX is a well- known and much-reported scam. This is a copy of the email that was sent to me asking me to do a free credit report. I am asking for my three months ' billings to be refunded. I am in touch with XXXX Fraud Prevention and I am filing a claim. I have also been in touch with XXXX ( which is the company that you allegedly use ) that this scam is ongoing throughout the US. 
I am on social media and alerting all that this company as a scam. 

Here is another example of it : https : XXXX? XXXX -- -- -- -- -- THIS IS THE FORM LETTER I RECEIVED Hi XXXX, Thank you for your interest in the property listed for rent. You were the second to e-mail from the ad. The first prospective tenant no longer had to move because of his home situation. So we give the opportunity to you. We are now ready to lease with flexible terms and just completed all new renovations. We will work with you on move in date, lease length and security deposit. 

I understand that you desire the exact address of the property but my husband does not want me divulge due to safety reasons. We have had a string of break-ins, squatters and thefts at our other properties. We want to prevent that with this property because of the renovations that have cost plenty of money. You 'll be the first to move in with the renovations. That is why we want to confirm you haveyour updated report before we schedule a tour. 

All utilities are priced into the lease along with garage parking spaces. The appliances in the kitchen as well as laundry room were just installed. You have the option to pick your paint color and flooring priorto your arrival If you would like to set up an appointment, go to the link below and request a copy of your report. We recommend this site because all of our tenants used it and have n't had any problems. Just fill out the form and indicate that you want the report. We are not concerned with any negative report items, it 's more of a formality to ensure you have rental history. You can get your report by CLICKING HERE Do not send me the report over mail, bring it to the tour. Please let me know when you grab your report. I can then schedule you for a walk through of the place. 

Thanks, XXXX
Consumer complaint received 2022-08-04
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. (IL)

I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have caused me.
Consumer complaint received 2016-07-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC (FL)

I have asked Capio Partners to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF THE WEST (NE)

Bank of the West was asked to submit an itemization concerning the breakdown of figures for a mortgage Reinstatement and it was discovered that payments in the amount of {$5300.00} had not been properly credited. Additionally, the P & I payment was {$760.00}, representing an overpayment from XXXX, 2006 of {$490.00}. 
I was previously provided statements from XXXX, XXXX XXXX showing that the legal fees charged back to me were incurred after BOW continued to accept my monthly payments. This is in direct violation of Nebraska statutes regarding the acceptance of mortgage payments after default. These fees are not legitimate or collectible in the amount of {$1500.00}. 
The appraiser called me and said that he must have access to the inside of the property for an appraisal for BOW. I informed him that the mortgage was being reinstated and that he was specifically denied access to the inside or the outside. The appraisal fee in the amount of {$370.00} is fraudulent. 
In addition, BOW forced an insurance policy on the roperty where there was already XXXX in place charging {$1400.00} for it increasing my claim to {$9100.00}. 
BOW previously provided figures to this agency in a related complaint none of which included the return of overpayments collected by them and the records further provided by them proves they did not. 
BOW has now, subsequent to the previous reporting against them, charged {$230.00} in junk fees to my personal account. Note that after a check was paid, the balance was positive XXXX. This is subsequent to my previous complaint to your office. The information above is new information regarding the previous complaint to your office. 
Your review of this matter is greatly appreciated.
Consumer complaint received 2015-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (TX)

This is the XXXX time I have received a statement from EOS CCA/XXXX XXXX saying that I owe a debt to XXXX XXXX XXXX XXXX. I have contacted XXXX and they have no idea what this could be and said that I do not owe anything.