davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Flagstar Bank, N.A. (MI)

I requested Flagstar bank to send a billpay check to XXXX XXXX Rentals for {$750.00} and it was never received or cashed by XXXX XXXX Rentals. Their negligence caused me to lose a vacation rental, and the only way to get my money back was to file a stop payment on the check that was never received by XXXX XXXX Rentals. They charged me a {$36.00} fee for the stop payment to correct their error.
Consumer complaint received 2015-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (FL)

Regarding a XXXX installation. XXXX installed internet and TV service under a30 day trial. The service did not function correctly repeatedly. Within the 30 day trial period, I told them to remove it. They did so but charged my account {$130.00} but never sent a bill that I received. They turned this over to Credit Management , LP. to collect. Credit Management would not accept the XXXX reference number ( XXXX/XXXX/2015 ) saying it was rectified. My XXXX score, I just learned last week, is now low XXXX 's down from over a consistent XXXX. I had called XXXX to rectify on : XXXX/XXXX/2015 XXXX # XXXX ( talked to XXXX in XXXX XXXX XXXX said she would fix it and someone would call back to confirm. They never did. 
XXXX/XXXX/2015 talked to XXXX Billing Dept?? Ticket # XXXX said I would receive a letter confirming the correction and XXXX fix on priority basis. As of XXXX/XXXX/2015 no letter was received. 
XXXX/XXXX/2015 I explained XXXX last time the issue but I am certain the gal on the phone was not understanding the issue. I requested to be contacted by a supervisor and let them know this is my LAST call to XXXX. I have no confidence I will hear from XXXX. 
I applied for a home mortgage last week to find my damaged credit score and now have to accept a higher rate 4.75 % due to this. This will cost me XXXX dollars. 
I request XXXX be fined and pay me damages of {$100000.00}. 
I have the notes from each call on file. I also want them to fix my XXXX score and I ask that Credit Management be fined and pay me damages for predatory practices.
Consumer complaint received 2017-03-13
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: KEYCORP (WA)

We applied for a HELOC through Key Bank in XXXX, because they were offering a 2.75 % rate on the first and told us we could get 4.5 % on the second loan. We were promised repeatedly over the 3 month application pending period, that we were getting these rates. While signing the document for the first, we were told that they " do n't put the rates on the documents '' so they could n't show us the rate we were signing for, and we would have to call customer service to verify that we were getting the promised introductory rate. During the second signing, I noticed on the document that it said " 5.91 % '' rather than 4.5 %, and asked about it. They said that was the rate plus prime, and if we have a problem with it, we should n't sign the documents. Of course we were already there, and felt pressured because we had already spent over 3 months trying to get these loans, and were waiting for the loan to start designing a remodel. Only after signing the documents did I call customer service and they told me we signed a loan at 3.99 % for the first and 5.91 % for the second. Quite a bit higher than we were told, repeatedly. The entire process was very sketchy. We even have emails with them telling me I would get the 2.75 % rate.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (CA)

I have lost my Discover card and copy of my social security card last year and when I discovered it I called the bank informed them about the matter and disputed all unauthorized charges from my Discover bank credit card. 
I have never authorized any charge from my credit card. My credit limit during that time was {$9500.00} and I still do not understand why Discover approved transactions over my credit limit which totaled charges approximately {$10000.00} additionally I already owned {$1500.00} on this card. Their security department never attempted to contact me and verify any transactions. 

And it is more suspicious and ridiculous their statement that somebody has called them from different number and authorized it. No evidence was provided to me and why Discover authorized it without verifying with me remains a big question for me. 

I have appealed this decision with Discover as it is not fair and it is against The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) I have never authorized these transactions and I have never requested or authorized any balance limit change and no credit check was authorized to change my limit from XXXX to XXXX. I should not be responsible for any unauthorized transactions from my Credit card.
Consumer complaint received 2015-08-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (FL)

Dear Regional Acceptance, I included the following documents : RAC Payment Admin - EZPAY - Phone Payment Confirmation Notice # XXXX am disputing a missed payment currently reflected on my credit reports ( attached ). 
On XXXX XXXX, 2014, I made an EZPAY Phone payment on my account in the amount of {$470.00} Confirmation # XXXX. However, in XXXX of 2014, my account was reported to the XXXX major credit bureaus missing ( XXXX ) payment. 
Please see the attached confirmation and please report to the XXXX major credit bureaus ACCURATELY as NO MISSED PAYMENTS since inception of the loan.
Consumer complaint received 2016-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (CA)

When my daughter and son-in-law refinanced their home on XXXX/XXXX/2012 Quicken Loans did not file a Release removing my name and my husbands from the deed on the house. We had cosigned on a prior mortgage but not on the one with Quicken. Subsequently, creditors we were unable to pay filed liens against the property. We are unable to pay the liens and this has caused my family to be unable to refinance or sell the property.
Consumer complaint received 2016-08-03
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: AR Resources, Inc. (NY)

Today one of the representatives called me while I was at work and was very rude on the phone. I let him know that the whole situation will have to wait because I 'm at work and he told me it could n't because it affects my credit. After that he started talking over me as I was speaking to him explaining I ca n't continue on trying to figure out this how to fix the situation. Things escalated and I ended up having to hang up on him because he was still rude to me after I explained to him he is not supposed to be talking to anyone like that especially as someone who works in an office. I feel harassed and he was being manipulative and I do n't appreciate that. On top of that I also explain to him about how my medical insurance already paid out what they could and sent an explanation of benefits to the hospital and if he needs to talk to my medical insurance than he should. He wanted me to get them on the phone with him in a 3-way call which I did n't have the time for. He was very rude to me throughout the whole conversation.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I am XXXX patient account number XXXX all bill i paid on time, but they send to collection without any notice, I paid full amount on time to XXXX not to collection, I heard they send statement to wrong address, that is not my mistake, I used only XXXX mailing address that is XXXX XXXX XXXX XXXX # XXXX, this mailing address more than 4 years in patient file, in the time of ER why they used other addressee I do n't now. I talked to XXXX, XXXX XXXX XXXX XXXX they said we got this information from XXXX XXXX XXXX XXXX, I called to XXXX XXXX XXXX XXXX XXXX they told me ( you update your address after statement ) but I got call from XXXX In XXXX 2015, they told me this bill from XXXX, that is way I called to XXXX to correct the own problem b/c they used wrong addressee, when I got the statement I paid unpaid balance full to XXXX not to collection. 
Because of them my credit report is damaged, I need correction from XXXX XXXX XXXX XXXX and XXXX to fix my reportXXXX/ XXXX/XXXX take responsibility, I am not responsible for late fee, they never send to me any statement to me, I do n't now my credit card number too from them. 
Please clear my credit report in right way I am not responsible for above mistakes
Consumer complaint received 2015-04-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (KY)

Chase is SERVICER of loan to which they misapplied, held in suspense, to push us into foreclosure, chase ignored MULTIPLE attempts to stop un-needed insurance to the point of XXXX removed from my escrow to pay for attached flood policy 's NEVER needed, & reasons for attachments is invalid chain of title, Good Faith Estimate, Truth & Lending statement, is for a DIFFERENT RESIDENCE, in a different county of ky, & is NOT MY RESIDENCE.I brought this ENORMOUS facts to chase, ignored & false default claims began,XXXX false claims now, to which all are paid.I 'm currently BOUND to litigations still, initiated XX/XX/2011. & Assignment of mortgage came a full year AFTER suit in progress, & the Assignment of Mortgage was created by the law firm suing me? NOT BY CHASE? & I BELEIVE THATS ILLEGAL ALSO, & signatures, notary 's that signed this assignment are CHASE EMPLOYEES, NEVER DEFAULTED, NEVER NEEDED LOAN MODIFICATION.NO DEED, NOTE SERVICER DEEMED ''LOST '' NEVER FILED ANY ASSIGNMENTS IN COUNTY CLERKS OFFICE, UN-CLEAN HANDS IS AN UNDERSTATEMENT.
Consumer complaint received 2015-04-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (DC)

I had an account with BB & T Bank. When I opened my checking account I specifically stated I did not want them to process any transactions that would send my account into an overdraft status. I clicked on the " opt-out '' link. BB & T allowed many transactions to go through on several occasions which resulted in exhorbitant overdraft fees. I paid BB & T for some transactions. I even spoke to a representative who stated she saw where I " opted out '' and she refunded my money for this. However, BB & T continued to allow transactions to go through and now they are trying to collect these funds from me. I have spoken to several representatives in customer service trying to resolve this matter but to no avail. I do not believe I owe BB & T any money because of their negligence. I want them to cease all collections activity and to remove all disparaging information from Chex Systems, Telecheck and any other consumer reporting agency that they have reported this information to. It is not right for them to disparage consumers based on their negligence.
Consumer complaint received 2017-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I was a resident at XXXX XXXX and moved out and was then sent a bill over {$1000.00}. I had no idea why. I contacted XXXX XXXX and was told that the apartment complex was under new management and owners and they had no knowledge of my debt. I asked for the former owners information and they were unable to provide me with that. The amount then went to collections and I corresponded with the agency to find out who owns this debt so I can figure out whats going on. They would n't release any information but stressed the fact that they did not own, they were only collecting the debt. After a few back and forth, I ignored them because it was going nowhere. Fast forward to XX/XX/XXXX, I started repairing my credit and this debt comes up again. I signed up with XXXX XXXX and they acted on my behalf to clear deliquent things off my report. The collection agency once again sent a notice stating the debt was valid but the information I got which was apparently submitted from XXXX XXXX XX/XX/XXXX, was false. The employee forged information and submitted fees for stuff that I never knew existed. She claims I moved because I got a pet which was false. She also changed dollar amounts on paperwork to reflect a ridiculous amount of charges. I contacted the agency and they told me to contact the company who submitted the debt ( XXXX XXXX ). I contacted them once again even though I knew what the response would be. Email response below : XXXX XXXX XXXX ; XX/XX/XXXX at XXXX To XXXXXXXXXXXX Message body Hi XXXX I am sorry you are having such a hard time resolving this matter. The company that currently owns and manages XXXX purchased the property XX/XX/XXXX. We do not own your debt and would not have access to your records. I do not know who owned the property when you lived here. 
Sorry I can not be of more help. 
XXXX XXXX XXXX, XXXX, XXXX Property Manager XXXX Apartments XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX XXXX visit us at XXXX I am stuck and going back and forth with XXXX XXXX and the collection agency. I hope that I can get more information as far as who owns the debt and who I can dispute this amount with. The false claims really are what have me in a bind.
Consumer complaint received 2016-09-02
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (WI)

I purchased my home in XXXX XXXX and had my loan serviced thruogh XXXX. I had set up automatic payment to come out the XXXX of every month and had no problems or missed payments. On XXXX XXXX XXXX I received a packet in the mail stating starting that day my loan will be serviced through Loan Care. I never received anything from XXXX saying they were selling my mortgage. I contacted Loan Care to find out how to pay my XX/XX/XXXX mortgage since it was due that day. When I contacted Loan Care they were unable to tell me anything because it would take some time for my account to be loaded into the system. They told me to go ahead and send a payment in with the coupons that came in the packet of info. I mailed the payment and coupon on XXXX XXXX and kept checking on the status of it for 3 weeks. The payment has not cleared, I am being told that I am past due. I asked if I should stop payment on the check and just pay online. I was told if I stopped payment on the check I would be charged a XXXX dollar NSF fee. In the meantime, I set up automatic payment for XXXX XXXX mortgage and that payment has n't cleared the bank either. I never asked to be sold to another company and this has been a headache for about 4 weeks. I have made 4 phone calls and no one has been able to tell me Anything. My homeowners insurance was also renewing in XX/XX/XXXX and my insurance company had no idea who to contact regarding billing. This is ridiculous. I can not believe that I did n't have to legally be told sooner than the day payment was due. XXXX never informed me of anything. They sent the XX/XX/XXXX statement saying the normal payment was due but never anything about selling the mortgage.
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their companies has on file that they used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA-they are required to '' promptly delete all information which can not be verified '' that I have disputed. please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2022-10-01
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: EQUIFAX, INC. (NV)

This is my XXXX CFPB complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit reporting agencies are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent : 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 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 XXXXXX/XX/XXXX. Also, the Credit Reporting Agencies have claimed that the disputed items belong to me and that the items are verified by the Data Furnishers themselves. However, as my request indicated in my previous CFPB, the Credit Bureaus should send me copies of proof of verification or proof of ownership bearing my signature, in which they have failed. The Credit Bureaus have continued reporting the disputed items claiming to be verified. This action of the Credit Reporting agencies is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. I am submitting this CFPB complaint to request to the Credit Bureaus to remove the disputed items from my Credit File as soon as possible.
Consumer complaint received 2016-01-10
Product: Credit card — 
Issue: Balance transfer — 
Company: PNC Bank N.A. (NJ)

I made a balance transfer of approximately {$6300.00} to my PNC XXXX XXXX card using a PNC balance transfer check. The balance transfer offered 0 % APR through the XXXX XXXX billing. When I received my XXXX XXXX statement, I noticed an interest charge of {$72.00}. I called customer service for an explanation and was told that the 0 % balance transfer offer had expired for the check I used. Upon examination of the balance transfer checks used, I noticed an expiration date was NOT posted on the checks. Information on the page that the checks were printed on stated that the balance transfer checks were only good for 90 days after opening the account, therefore the interest charges were correctly applied. 
My complaint is that most, if not all banks, clearly state the date for which the balance transfer checks are good on the face of the check. PNC did NOT include an expiration date on the face of the balance transfer checks making it much more difficult for the customer to realize when the checks expire. 
So in total, I paid PNC bank {$310.00} ( {$240.00} balance transfer fee + {$73.00} interest ) for the " privilege '' of transferring to a high rate 13 % PNC card. I was now forced to pay off the {$6600.00} balance due to the high PNC 13 % interest. Basically I paid PNC {$310.00} for no good reason. 
I wrote a complaint letter to PNC and a customer service representative contacted me at the end of XXXX XXXX stating that they did receive my letter. About a week later I placed a call to the representative and left a message requesting an update on the status of my complaint. As of this date, I have not received a call back nor a resolution.
Consumer complaint received 2016-05-28
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: MB FINANCIAL, INC. (FL)

MB Financial Bank has sent us several Closing Disclosures with many errors involving closing costs and amount of the loan ( VA ). We contacted our Loan Officer and asked for corrections. She has said, " Oh do n't worry about it! '' This has gone back and forth several times, mainly because MB Financial & the Loan Officer did not want to rewrite the loan. They finally conceded that there was misappropriation of funds and now rewriting the loan. We have yet to see the Closing Disclosure and even so, we were told the closing on the home will be this Friday, XXXX XXXX, 2016. 
We have lost trust in the Loan Officer and MB Financial. We also feel pressured by the Loan Officer, the Realtor and MB Financial. [ We were told that if we opened the email ( secure document ) from MB Financial, we were giving consent for the Closing Disclosure. ] Can you help us look at the Closing Disclosure without giving our consent? 
We feel we would like to use another financial institution and have already started this process. We do not want to use MB Financial due to all these problems. 
The Loan Officer is not happy and neither the Realtor ( whom recommended the Loan Officer ). The Seller ( s ) are unhappy due to this delay. It is a mess, but not our fault! 
Thank you, XXXX
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (TX)

I purchased a homeowner 's warranty using my BarclayCard XXXX. When I attempted to make a claim against the warranty for a broken washing machine. After two weeks of phone calls and telephone calls to the company, XXXX XXXX XXXX has yet to repair or replace the covered appliance. As a result I submitted in writing a demand for the full refund of the purchase price for the warranty be credited back to the credit card I used to purchase the warranty. To date there has been nor response. I contacted BarclayCard and submitted a dispute for the full. I also faxed over the requested documentation the needed. After 11 phone calls to customer service, my account has yet to reflect the provisional credit amount which means BarclayCard is still charging me interest on that amount. When I call they refuse to allow me to speak directly with the person handling the dispute and have claimed that someone will call me within 48 hrs.
Consumer complaint received 2015-08-10
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (NY)

Since going on medical leave and unable to keep up with payments, have been getting robocalls from XXXX different numbers at least XXXX times per day, from both numbers, which amounts to up to XXXX calls per day including weekends beginning at XXXX Also have been getting emails about once a week. When attempting to answer the emails, they are 'donotreply ', and must go to website. I find these practices offensive and would like to simply answer an email. This is the first and only default on this account, and have been discouraged from answering in writing and being bombarded from calls almost every XXXX minutes on a daily basis, from XXXX creditor.