davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (WA)

My complaint ; Equifax and XXXX is being negligent and their investigation is taking to long that I requested both of them to do over 2 months ago. XXXX did their investigation with in the first 30 days and removed all the improper information on my credit report which is perfect with that credit reporting agency.
Consumer complaint received 2015-09-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (CA)

I have XXXX hard inquiries on my credit report. For both companies, I did n't apply for credit with them. 

These are the companies : XXXX, TX XXXX ( XXXX ) XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2015-10-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NJ)

On three occasions, I have requested that my daily ATM withdrawal limit be raised from {$310.00}. The bank has refused to raise the limit, and when cash was needed for an emergency on a Saturday evening, I was unable to access my available funds.
Consumer complaint received 2015-07-03
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I have a of Capital One 's Sparks Business Card that I took out in XX/XX/XXXX after I began my financial practice. My business closed shortly have the XX/XX/XXXX crash but I chose not to claim bankruptcy, but instead try to manage the huge debt that I accumulated. I have been nursing a {$14000.00} balance on the card and up until just recently have used the card regularly. On XXXX XXXX, XXXX, I contacted Capital One 's call center due to a cash flow difficulty because my next pay period was falling on the XX/XX/XXXX and my payment date was the XX/XX/XXXX. The representative was very nice but he omitted some very important information concerning what would happen if I missed my payment date. I asked him to move my payment cycle to the XX/XX/XXXX to help make the current payment on time as well as future payments. He informed me that he can move the date but it would take a whole payment cycle. I explained that I could n't make my payment until the XX/XX/XXXX to which he answered, that I just needed to call back and they would reverse the late charge. 

On the XX/XX/XXXX, I logged into my account to make the payment as I promised and noticed that Capital One had now doubled my interest rate, which cause me to also go over my credit limit and generated another {$39.00} fee in addition to the {$39.00} late fee. I called back the next day ( Saturday ) and ask for a supervisor. Although she agreed to credit the account for the charges and the extra interest on that bill, she said I had to continue to pay the 29.4 % interest rate for twelve months before they would consider lowering it. It was formerly at 15.9 %, already very high for a period of historically low rates. I was having trouble making the minimum payments of $ XXXX/month and now I 'm expected to make $ XXXX/month payments? I calculated that to be an extra {$1900.00} on a {$14000.00} balance over the next XXXX months for being XXXX days late. I told her that I needed to speak to someone who had the authority to make a decision to change my interest rate back to where it was. At first she would only offer me the general correspondence address, but then when I press her she said that she would have someone call ; but no one every did call. 

Finally, I call back on XXXX XXXX and immediately asked for a supervisor. I spoke with XXXX who really did n't care to do anything for me except offer me the same address as before. By this time, I was pretty heated so I told him to close the account and send it to collections because I can not pay it as is. I do n't know about the latter, but he did close the account and this is where I am with it today. Can you please help me? I did send a letter on XXXX XXXX, to the address they gave me, but after reading some of the complaints online, I doubt if I will get a response. Your assistance will be greatly appreciated.
Consumer complaint received 2022-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp (OK)

CAC FINANCIAL STATED THEY WOULD SEND VERIFICATION/ITEMIZED BILL ONTOP OF IGNORING MY REQUEST FOR A SIGNED HIPPA RELEASE, THEY SENT ONLY PHOTOCOPIES THAT ANYONE COULD HAVE TYPED UP THEMSELVES. THERE ARE NUMEROUS Descreptancies WITH BOTH BILLS. ONE WHICH DOES NOT EVEN HAVE MY NAME ON IT. BOTH BILLS HAVE A DUPLICATE CHARGE FOR SAME SERVICE YET COMPLETLY DIFFERENT AMOUNTS BILLED, ALONG WITH NUMEROUS DUPLICATE CHARGES ON THE BILL THAT IS NOT MYSELF FOR SAME SERVICE. 
THE BILL OF {$3800.00} SHOULD OF BEEN XXXX  OUT {$0.00}. I HAD ALREADY BEEN XXXX  FOR OVER A YR DUE TO XXXX XXXX XXXX XXXX, I WENT INTO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT SURE WHY OTHER CHARGES WERE CHARGED. I ALSO FILLED A HARDSHIP APPLICATION AT HOSPITAL AND WAS INFORMED ALSO THAT XXXX WAS OPENED FOR ENROLLMENT DUE TO PANDEMIC, I APPLIED AND IMMEDATELY APPROVED. XXXX XXXX XXXX XXXX XXXX  AND WAS DOWN FOR CLOSE TO TWO MONTHSXXXX XXXX XXXX XXXX XXXX XXXX THAT RESULTED IN XXXX XXXX XXXX  AND TWICE WEEKLY VISITS TO XXXX XXXX  FOR CLOSE TO A YR. THIS WAS NOW GOING ON 3 YRS OF XXXX. I QUALIFIED FOR XXXX XXXX AND WAS APROVED AND STILL ON TO THIS DAY, COMPLETED HARDSHIP APP AND HOPSITAL RESULTS OF HARDSHIP APP WAS THEY NEEDED TRANSCRIPT FROM IRS BC THEY CANT ACCEPT SELF PREPARED TAXES, AND AT THAT TIME IT WAS NEXT TO IMPOSSIBLE TO EVEN REACH THE IRS BUT EVENTUALLY RETRIEVED THE TRANSCRIPT AND SENT TO HOSPITAL AND WAS INFORMED IT WAS IN COLLECTIONS. I AM BY NO MEANS IN A POSITION TO PAY THIS, EXSPECIALLY SINCE HAD I KNOWN I COULD GET MEDICAL FROM STATE THEN I WOULD OF BEEN ON IT WHEN I WENT TO XXXX  BC I DID QUALIFY FOR IT.THIS COLLECTION IS HURTING MY CREDIT. BEING XXXX  BEFORE PANDEMIC, XXXX  XXXX  ONLY AS A XXXX  FOR MERLY XXXX  WKS BEFORE XXXX TOOK THAT AWAY. THEN ONLY TO HAVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ALSO NOTICED ON THIS OTHER BILL WITH DIFFERNT NAMES THERE WAS A SELF PAY DISCOUNT, WHY WOULD THAT NOT BE APPLIED ALSO TO THE BILL OF {$3800.00}. REGARDLESS I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of BOTH accounts. According to the Consumer Reporting Act, Section 609 ( a ) ( I ) ( A ), the collection agency is required by federal law to verify - through the physical verification of the original signed consumer contract- on any and all accounts they post on your credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts or info. 
They have not provided me a copy of a contract with my wet original signature to validate I owe the debt. Please remove these negative unverified accounts from my credit file.
Consumer complaint received 2016-04-08
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Michigan Mutual, Inc. (WA)

I applied for a loan to purchase a home in XXXX XXXX. I was a pre-approved $ XXXX with XXXX XXXX, Mi Mutual Mortgages. We moved on with the purchase, did the inspection and they were working on the loan. They kept on asking me for documents over and over and I provided them with everything requested. I was told that everything is ok that the loan is just processing and we are waiting for the appraisal. The whole process was longer that usual and the communication very poor. At one point right after the appraisal was done my lender completely stopped communicating with me. He never answered my calls, e-mails or text messages. Just to find out from my realtor right before closing that the loan was not approved and they need more documentation. Now the file got moved to the company 's branch manager, XXXX XXXX, who took over from here. He was as bad in communication as his employees. The only updates I got were from my realtor and she was trying really hard to keep this communication going. They kept promising us that they would review the file at a higher level in the company. All the emails that my realtor shared with me clearly stated that they would n't approve us, but XXXX kept saying that they were working on it. They even pushed us to get an extension where my earnest money would have been jeopardized. Luckly my realtor did not let this happen, knowing that all we have in hand is a promise. At that point the listing agent got involved and he had his wife, who happens to be a lender try to look at this loan and see if anything can be done. XXXX completely refused this. This is when we found out that Mi Mutual had not even done a verification of employment, almost two months into this transaction, although they had all the necessary information from the beginning. 
Now if they knew so long ago that this loan wo n't get approved then why did they do appraisal? I spent {$700.00} out of my pocket and an additional {$350.00} on inspection just to tell us two months later that they ca n't approve the loan. This is outrageous! 
I tried contacting them several times requesting at least my appraisal money back. It was their mistake from the beginning. I felt like they overlooked and ignored my file until later in the transaction and they were trying to save it all at the end. 
Now when I asked for a resolution and my appraisal money back, I got no answer, no response to my emails or calls. I have received no communication from the mortgage company whatsoever. 
More so, going through another lender afterwards, they would only approve me for max $ XXXX. This is almost $ XXXX difference!!! How can they be so off in their calculations if they had many sets of eyes going over my loan? This is unethical and Mi Mutual Mortgages need to be held accountable.
Consumer complaint received 2016-06-02
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Big Picture Loans, LLC (MN)

I went online last summer around XXXX to look into a short term loan. I submitted a former that I guess connects you with multiple lenders. In the end I ended up with a payday loan from a company called XXXX. I guess now it 's called Big Picture Loans. Well from the moment they deposited XXXX into my account I started getting multiple calls from other companies trying to deposit money and XXXX calling you collect way more than the MN law states is legal. Than I find out this company based XXXX per online but they list MI HOWEVER not legal in WA per Department Of Financial Institutions. This is XXXX XXXX XXXX and they are not licensed XXXX. I read how they continue to debit your account towards fees only nothing to principle and the rates are beyond belief. As soon as I started getting scam calls after the deposit from people with accents saying I 'm going to jail for bank fraud check fraud etc I got scared I called my bank immediately and canceled this unknown tribal company from access. I have called XXXX who is now Big Picture Loans to obtain a way to mail what i borrow plus the fee that I found through research that in MN online loans can charge a maximum of 33 % I found so with what I loaned XXXX I felt I owed XXXX each time I call it am asked for every piece of my personal info dob, ssn. Address drivers license #, etc I am pursuing on hold and issue is never resolved. I am now being harassed by another company a debt collection company who state they are hired by XXXX XXXX in XXXX demanding I pay {$3800.00} or I 'll be charged with check fraud amount many other charges. This company is called XXXX XXXX out of XXXX XXXX. I asked for a validation of debt as I want to pay the legal amount I owe. But they refused continue to threaten with legal charges unless I give my card #. I asked for some proof this is legit they would only give me a generic email setting up XXXX payments of like {$290.00} and no address of the debtor just a generic " castlepay '' memo. I asked if I were to call Big Picture Loan would they know you 're the collection company handling this and they said no they would n't. So after I was scared about these so called legal charges I gave my XXXX XXXX card # but before signing some email they sent I ended the call. Called my bank to cancel my debt card realizing it 's a scam but they scared me enough to almost agree to there insane demand. I once again called big picture loan they were not associated with trademark as I suspected but again I was back to square XXXX. No one was willing to help and they wanted all my personal info again. I have also gotten emails from random places about fraud charges arrest warrants. I 'm loosing sleep, I 'm nervous, I Feel my information was given out I get calls.and emails weekly thanking for applying for payday loans I did n't apply for. I truly just want this to end I want to pay what I loaned to the right company and the legal amount of fees by XXXX laws. 
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Consumer complaint received 2016-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MI)

I secured a conventional 30 year fixed mortgage for my Mother in XXXX XXXX for {$90000.00} ( less than XXXX the appraised value ) on her home here on XXXX XXXX, MI to help pay for my brother 's XXXX treatment. The mortgage was transferred to XXXX within one month and remained with them until this past XXXX XXXX when it was tranferred again to and new servicing company Specialized Loan Servicing ( SLS ). This is when the problems started. The notice of transfer was received by me on or around XXXX XXXX, XXXX XXXX weeks after the last payment was made to XXXX on the first of XXXX XXXX for the original monthly amount of {$680.00}, which included escrow amount for property taxes and hazard insurance. On or around the same time ( XXXX XXXX ) I also received a payment statement from SLS for the next payment due XXXX XXXX, XXXX, however the statement showed an additional {$30.00} late fee for a payment that was n't due for another two weeks. I contacted SLS by phone, but he representative said he could not talk to me because I was not the original borrower. However, I had been authorized by XXXX seven months prior ( XXXX XXXX ), because my Mother passed XXXX XXXX, XXXX and as sole heir I was appointed Personal Representative of my Mother 's estate by XXXX County Probate Court o in XXXX XXXX. Thus I resubmitted my Mother 's Death Certificate and relevant court documents to the new mortgage servicing company SLS. This took place in mid XXXX XXXX, but I never received a response regarding the {$30.00} late fee. 
Then my payment went up to $ XXXX/month and XX/XX/XXXX/XX/XX/XXXX I was notified that my monthly payment ( on my 30 year fixed rate mortgage ) was being increased by a $ XXXX month to accommodate and $ XXXX deficiency in my escrow account. When I called to inquiry I was not given any explanation because the customer service agent was not privy to any information and did not connect me with someone qualified to answer my inquiry. I double checked the Premium for the Hazard Insurance which had not increased and then I checked the local township clerk 's office for the current property tax amounts, which had actually gone down by over {$200.00} annually starting XX/XX/XXXX. I have not had a good feeling about this company since they acquired the mortgage particularly when I searched you site and found a lengthy list of complaints against SLS by individuals whose mortgages were being serviced by them. Because I have not seen any documented disciplinary actions by any regulatory agency I am also submitting this filling and supporting documentation ( including time stamped emails and faxed comumincations with SLS regarding these concerns ) with both State Attorney General 's Offices in Michigan and Georgia, the Federal Attorney General 's Office, and the FTC ) I also have the intention of submitting this to printed media ( i.e. XXXX ) and digital media ( i.e. XXXX, XXXX, XXXX, XXXX, and other pertinant blogs ) I
Consumer complaint received 2016-08-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services (IL)

My name is XXXX XXXX. I attended University XXXX XXXX and XXXX XXXX University Online classes XXXX. I graduated XXXX XXXX. If I could go back in time and reconsider I would NOT attend college. For XXXX reasons, the debt that I am left with now is IMPOSSIBLE to pay back in full before I die and the second is that education is NOT recognized in the workforce and it 's useless. I have NOT landed a job to utilize my degree credentials since I 've graduated 6 years ago. 
I divorced in XXXX and the loans I took out prior to that were based on my ex-husbands income and now I struggle as a single mom of XXXX kids trying to stay afloat in our expensive economy. I have done forbearance that just got me more interest and higher amounts owed. I then went to repayment by income, I make my small payments as required but I can NOT buy a home so that my payments are smaller than renting. My total debt to income ratio is too high and causes me to have a lower credit score. This student debt is consuming my every chance in life to succeed as a mother and a working citizen. 
I am just asking for some help. Student loans are NOT feasible for anyone 's future. I have to say if I could give back my degrees in exchange for my debt relief I would in a heartbeat. I want to ask a couple of questions, if someone is unable to pay back their student loans and go into forbearance or loan deferment status 's, why on earth would they be charged additional fees on top of what they are currently unable to pay? Loan establishments are greedy and nobody truly cares about our country success! This is a manipulative vicious cycle that sets us up those who are actually trying to make a difference in our own lives as well as others for complete FAILURE. 
NOW, I am against college or furthering knowledge beyond high school with this as my own personal experience from trying to do the right thing in life and show my kids the importance of higher education. I have to have XXXX jobs just to make ends meet providing a life for me and my kids barely making XXXX a year. 
Is there anything I qualify for that I am not aware of to get some assistance in student loan debt relief? I am at the last point here, I do n't want to struggle any longer I 'm not asking to be rich, I am asking for any help in eliminating some or all of my student debt if at all possible. Like I said before I 'll give back my degrees as they are no longer of importance to me. 
Also student loans are confusing, I believe I have both federal and private loans totally over {$64000.00} only to walk away with an XXXX and XXXX that are not acknowledged for me to get a job. I 'd appreciate any correspondence regarding my issues and pray to XXXX that I 'm taking seriously and receive some sort of assistance in digging out of underneath this impossible student debt.
Consumer complaint received 2021-02-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

XXXX XXXX- 1st car loan- in accident in 2015. Car was towed. Impound yard tried to charge $ XXXX for storage. They sold the car at auction. Had no options to resolve matter.
Consumer complaint received 2015-04-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (OH)

Below is a letter written to PNC Bank on XXXX XXXX, XXXX. Per instructions, it was sent to Credit Bureau Disputes Department in XXXX. A copy of the entire packet was also sent to XXXX XXXX, Associate Director of the CFPB. I have n't heard from PNC and I have n't heard from the CFPB. 

We are writing to ask for a bad mark against our credit score be removed due to circumstances we believe are the fault of PNC Bank personnel, not our own. 

We have worked with XXXX XXXX of your Escalation Dept., who provided the background materials attached. She suggested we contact your department regarding the correction of this mistake. 

We opened a checking account at National City Bank in XXXX. At that time, we were sold an overdraft protection line. When we closed the checking in XXXX, the overdraft protection line was not closed. At the beginning of XXXX, we were charged the annual fee on the protection line of credit. We were a customer in good standing for nearly 15 years and we still have money market accounts set up with PNC for our children. I 'm very disappointed in the policies around this, and that our credit score has been dinged over a {$36.00} fee that we were not notified about. 

For the following reasons, I 'd like this matter to be resolved. 
We were customers in good standing for many years. 
The overdraft line is sold with the checking account. 
When the checking account was closed, we were not asked if we wanted to close the overdraft - I find it rather dishonest that they are sold in tandem but that they are not cancelled in tandem or at least that the overdraft is not flagged when an account is closed and the customer given the option to close. 
After realizing the account was closed and you could n't assess the fee, you mailed us a statement - TO THE WRONG ADDRESS. Our address changed in XXXX of XXXX, while our account was still active. We took the proper steps to change the address at that time. In fact, our current address was on file with XXXX when I spoke to her just last month. So, again, PNC made a mistake that is affecting our credit. 
Frankly, I feel like PNC tried to trick us by not suggesting we close an overdraft protection line on an account we were closing. Why would any reasonable person keep such a line and why would any reasonable person not think they would be closed in tandem when they are sold in tandem? This is dishonest policy. 

We also find that your company makes it as difficult as possible to resolve disputes, by providing me a XXXX XXXX and department name only, no person, no phone number, to have this matter handled. I can bank electronically, chat with reps on your Web site, find you on XXXX and XXXX. However, we are sending this letter, as instructed into what we feel is a great abyss, with no way of knowing if it 's ever received. We do hope, however, it can be resolved simply and efficiently, as both our credit scores have been impacted by PNCs poor policy decisions and mistakes.
Consumer complaint received 2017-03-09
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Paypal Holdings, Inc (CA)

purchased egift card purchased from Paypal Digital Gifts on ebayXXXX website was XXXX out. the egift card was for {$100.00} XXXX gift card. 

Item # XXXX Purchased on XX/XX/2016
Consumer complaint received 2020-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (NM)

Debt was for XXXX added to credit report. Original debtor was XXXX XXXX Hospital in XXXX or XXXX, nm. I did not live in XXXX XXXX XXXX from XX/XX/XXXX toXX/XX/XXXX so debt can not be mine. Even if i was at yhe hospital I have XXXX to pay the medical bills since XXXX. So the debt is false and not mine. Needs to be removed from credit report.
Consumer complaint received 2015-11-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SKO Brenner American, Inc. (PA)

I have something in collection that i have no idea what is it.collector name : SKO BRENNER AMERICAN.Then i dispute XXXX XXXX online.investigation result deleted, description # XXXX, file XXXX, date XXXX.