davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

denied credit and mortgage based on retaliation and record falsifications bureaus and XXXX condones and or allows to be used to stop loans and credit legitimately this arises from prior complaint made to u and XXXX prior fabricated false claims by bureau. this further arises from fabricated judgments and public records done so deliberately by the officials with aid of banks and others corruptly. this further arises from the va and XXXX refusing to make accurate records of the XXXX XXXX in XXXX military retirement owed me the va should of paid and refuses to request XXXX to do an audit to verify ( debt ratio ) the XXXX did grant a loan application after last complaint here, but manufactured reasons to not close timely and drop mortgage and now claim i not eligible for same based on bad creit from falsified credit report fixed XXXX as a result of their wrong doing. said report falsified by falsifying some of first report falsification and based on this falsification of judgement records that are no valid on face and by statute as well as others fabricated by state agents to harm me after threats and without any authority and or due process of law. ( see XXXX title ) also see XXXX records since last time complaint filed and XXXX droped of and now more should be as bogas scams by bureaus and related indirectly to prior scams by themXXXX judgement not valid as matter of law per statute no collectable after case time done. other a judge signed i owed county money they paid lawyer to fix records for county on crimes that could not be charged by state or county while they denied me access to act as counsel personally a fruad scam all subject to federal civilrights suit obstructed by corrupt officials threats to harm XXXX denied loan by fraud and refused to correct name to do so after usa had and all else.
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I have filed several requests with Experian to have them delete Liens which have been withdrawn by the IRS. I have also sent in reporting documentation, including Identification, Insurance Bill, Drivers License and Social Security Card and receiving no assistance from Experian with having incorrect information removed from my credit file. I have also requested a copy of my credit report and attempted to dispute online and each time I attempted to upload the supporting documents based on the report number sent to me recently from Experian - XXXX, I am kicked out of the system an not allowed to go further. I believe this is a discriminatory tactic in attempting to keep derogatory information on my credit file. They are very deceptive in their practices in their attempt to keep consumers laden down with obsolete or erroneous information on their credit file to prevent them from moving forward in life to obtain credit. We are in the process of trying to purchase a home and need to have these liens deleted from my credit report and other obsolete information they are reporting which has been over 7 years still on my file. They have extended their statutory limits which is an attempt to keep people bound. Please help me to resolve my credit reporting issues with Experian.
Consumer complaint received 2015-09-09
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A former bank teller at Capitol One stole {$5000.00} from me years ago and quitCapitol One wo n't find the last name of the crooked teller that would take 20 minutes and commits a cover up for years on this
Consumer complaint received 2015-09-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (PA)

I have attached my correspondence with XXXX XXXX XXXX including a Priority Mail letter which included the police report, FTC Fraud Affidavit, photo of the identity thief and other materials. I was a clear victim of identity theft. The thief attempted to open XXXX accounts ( including the one with XXXX XXXX XXXX ) and successfully opened XXXX of them. Every other company has quickly closed my account and removed any adverse reporting. Only XXXX XXXX XXXX continues to harass me. 
I wrote to XXXX by email and stated that : I have also attached the " Termination Notice '' which she received recently. This is rather ridiculous since XXXX XXXX XXXX terminated the right to use the phones in question when I initially contacted your fraud division by phone XX/XX/XXXX. Nevertheless, I am asking that you respond to this email to confirm the following:1. You will note that the account was opened fraudulently as a result of identity theft ; 2. You agree not to report any adverse or negative items to the credit bureaus ; and3. You cease all future collection efforts. 

The FTC has advised me that if this is reported to the credit bureaus or if a third party collection is undertaken, you will be in violation of Federal law, and I will proceed accordingly. 

Despite this, the account has now been referred to a third party collection agency. I attached the demand. A letter was also sent to them.
Consumer complaint received 2015-10-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (AL)

I have a {$500.00} revolving line of credit with Regions Bank. I am in the process of trying to close on a condo, so I paid {$300.00} last month and yesterday, XXXX/XXXX/2015, the account had a balance of {$190.00} in which I made a payment of {$200.00}. This a.m. I went into the branch to try to get an update statement showing the {$200.00} payment with a available credit of {$500.00}. Unfortunately, the XXXX branch manager could not produce an updated statement showing this payment and available credit. Unfortunately, I discovered Regions had assessed a {$37.00} paid in full fee and was able to produce a statement showing only this transaction. I also noticed that on this {$500.00} revolving account, Regions had " willy nilly '' assessed a ton of fees to this account throughout the time I have had this account.
Consumer complaint received 2015-09-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (PA)

CLIENT CAME INTO THE OFFICE TODAY FOR DEFAULT COUNSELING. RFD- CLIENT WAS GIVEN A LOAN MODIFCATION IN XXXX 2014 PITI OF $ XXXXXXXXAND TAXES & INS OF {$710.00} FOR A MONTHLY PAYMENT OF {$1300.00}. CLIENT BEGAN MAKING PAYMENTS AND AFTER AN ECROW ANALYSIS HIS MONTHLY PAYMENT WAS INCREASED TO {$1600.00}, WHICH HE CAN NOT AFFORD. 
CLIENT ATTEMPTED TO CONTINUE TO MAKE THE {$1300.00} AND HIS PAYMENTS HAVE SINCE BEEN REFUSED. I CALLED PHH AND SPOKE TO A REPRESENTATIVE NAMED XXXX SHE ADVISED THAT CLIENT IS DUE FOR XXXXPAYMENTS. THE LOAN MOD AGREEMENT IN 2014 ONLY SHOWS THE PITI OF {$590.00} NOT THE TAXES AND INSURANCE.
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: FACTUAL DATA CORP. (TX)

I went in to XXXX in search of buying a house. After looking at my credit reports several inquires have been made which caused a significant decrease in my credit score. There were credit pulls on XXXX XXXX, XX/XX/XXXX from XXXX and from XXXX on XX/XX/XXXX. I was informed that the pulls would not impact my credit score or be considered as a hard inquiry.
Consumer complaint received 2015-09-10
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had some medical issues and failed behind on my payments but a few month ago I paid {$180.00} on XXXX/XXXX/2015 and brought the account back on track. At the time I made that payment Capital One had a restriction on the account and was calling me asking for that payment because they understood and wanted to work with me. So, I call them after that payment and asked if they could remove the restriction off the account. They said I would n't be able to use the account again so, they could n't take the restriction off. So, I stop making payments on the account ending in XXXX. A few month goes by and a get a call on XXXX, XXXX 2015 with an unrestricting offer. Once I make the agreed-upon amount of {$200.00} total amount, I could use my card again-as long as a portion of my credit limit is available and my account is in a status allowing me to charge. They did give me a due date which, I fell short of by a few days but, I called and made a XXXX payment on XXXX XXXX and they told me the offer was still good so, I told the agent that I will pay the rest in a couple of days later which, I did. So the total payment arrangements was paid on XXXX XXXX instead of the XXXX. I called them back a couple of days after that to ask about the restriction because that said in the letter for me to allow up to XXXX days following my payment for my charging privileges to be restored. XXXX XXXX, 2015 when I called the said they made a decision not to extend the offer but, they excepted my payment.
Consumer complaint received 2015-09-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

I have been a member with USAA for over 10 years and have had their checking product for years along with renter 's insurance and a credit card. Recently, after years of being able to transfer funds with immediate credit, they have arbitrarily started imposing an absurd 5-day business day hold on transfers from accounts I 've made for years ( from payment for my job ) while immediately withdrawing the funds from the other account. They offer no justification for this and no answers. It 's obvious this is a scheme to maximize profit from my overdraft credit line in my case and in others to accumulate NSF fees. The customer service can not explain this new arbitrary policy at all and is very rude about it. No other bank does this and when they impose a hold, the policy is fully disclosed and explained. I do n't think a hold policy that is not fully transparent and consistent is in compliance with regulations and can be manipulated and abused at will to increase profits, which is what is being done here. Regardless, transfers should n't take 5 days to complete as the banking system has vastly improved in speed since the XXXX.
Consumer complaint received 2015-09-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

The Rushmore Loan Company purchased my mothers loan from XXXX XXXX XXXX in XX/XX/XXXX with monthly payments of {$830.00} due. In XX/XX/XXXX, my mother passed away and I assumed responsibility as co-signor for the remaining debt of approximately {$24000.00} in which payments of {$900.00} to {$1000.00} have been made consistently on a monthly basis. In XX/XX/XXXX, I received notice from Bankruptcy Court that Rushmore wanted to request a motion of relief for delinquency. I contacted Rushmore immediately and was told that XXXX payments were missing during the XXXX time frame. I explained that I had no knowledge of delinquent payments and could I work out a payment plan to include adding any missed payments to end of loan. XXXX XXXX Rushmore Relationship Manager gave me XXXX options to pay the delinquency plus fees. Option XXXX is payment in full. Option XXXX is Repayment Plan for a short period of time. Option XXXX was for a loan modification. I was told that I would also have to pay for the additional fees associated with this loan. The fees were for a Lender placed Fire Insurance Policy ( not in a fire zone according to FEMA ) and {$1100.00} for the monthly home inspections and analysis of property. I have not received any contact from Rushmore until today XX/XX/XXXX regarding any delinquencies. I also feel the adding of the Fire Insurance Policy is not in standing with FEMA for Georgia. This property is not in a flood or fire zone and is covered completely by Homeowner 's Insurance Policy. There has not been any contact with the owners concerning the monthly home inspection and/or analysis. The charges for corporate fees and insurance would fall into the Predatory Lending Practices for inadequate disclosure along with inflated fees and charges.
Consumer complaint received 2015-10-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MD)

- I went to request my credit report to XXXX- I ordered credit report from all three agencies- I could download from XXXX but Experian- Experian generated " a system error '' problem and would not generate report- I ran out of my free report since it 's only one per year- I call is only automated and online submission has not resulted in any responce except getting email to pay for score!!!
Consumer complaint received 2015-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX disclosed that I was paying significantly higher insurance premiums due to information in my credit report. They arranged to have TransUnion ( TU ) send me a copy of their report. I had never seen it before and discovered that it had highly inaccurate, false and misleading information which appeared to leave a 10-year " gap '' in my record. The proper explanation is that : in XX/XX/XXXX I was upgraded to an XXXX XXXX XXXX XXXX XXXX XXXX with high credit limits replacing my original XXXX card started in XX/XX/XXXX. It became my primary credit source for the past 16 years. The face of the card clearly states that it continues my XX/XX/XXXX membership. TransUnion erroneously reports only the old card which was superseded in XXXX XXXX as having a {$0.00} credit limit and closed 10 years later in XXXX XX/XX/XXXX without explaining the actual change which took place. On XXXX XXXX I called TU about XXXX-XXXX AZ time and talked to XXXX . I asked that TU provide the above explanation as to what really happened to the old card EITHER by verifying it with XXXX Credit Bureau ( whom I authorized to give information to TU ) OR by allowing me to provide such a statement correcting my credit report. I then talked to his Supervisor, XXXX, who confirmed to me the points listed below which were stated by the TU rep accuratly reflect TU 's policies. I believe these stated policies conflict with my rights under FCRA. TU 's policies are : 1. TU is mainly a reporting agency of data given them by whichever creditors chose to file periodic reports. It is " not our job '' to seek out or investigate any missing information brought to our attention which might adversely affect a consumer 's credit record. 2. I asked how I could proceed to file a grievance or appeal on the omitted information. I was told that TU does not have any such procedure for doing this. 3. I asked if I could provide a brief statement giving the true and correct description which explains that certain credit information is omitted and why. I was told that consumers are not allowed to give their side of any dispute or denial.
Consumer complaint received 2015-09-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

IQ Data is trying to collect on a bogus water bill from when I used to live at an apartment complex called XXXX XXXX in XX/XX/XXXX. They say I owe {$280.00}. The apartment had XXXX proof of this debt. My water bill was like $ XXXX {$30.00} dollars per month and I added it with the rent. I move out when lease ends and they want to charge crazy amounts for water. I got it removed from my credit report in XX/XX/XXXX and here it is over XXXX years later and IQ Data keeps calling me and using unprofessional techniques. I say it 's not even on my credit and was removed. They say do n't care and I need to pay. They say it 's only {$280.00} and do n't I work? Very rude and bullying, trying to collect on something that I already proved I do n't owe and was removed years ago. I feel like suing them at this point.
Consumer complaint received 2015-10-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (MA)

Took out a car loan in XXXX with CPS. Car was paid off in XXXX and I relieved the title to my car. Upon looking at my credit reports in XXXX this year, they were reporting the status of this loan as charged off/collections and settled in full. I attempted by phone and by certified mail to correct this matter. I asked for proof that this was settled in full and not paid in full. Also asked for proof of the charge off/collections since this was news to me. As far as I knew, this loan was paid off normally. No charge off, no collections and not settled in full. On XXXX/XXXX/XXXX they sent a letter back to me stating that what they are reporting is accurate and supplied an account ledger of the payment history and a copy of the loan contract. Nowhere did they include my what I requested which was the proof of the charge off/collections and when did this take place. I also asked about a settlement that CPS was involved with that stated they were overcharging its customers and that they were to compensate people that had loans with them during the time of my loan due to the settlement they reached. I saw no compensation and again they brushed off my question. CPS is under the impression that I am disputing the validly of this past debt which I 'm not. I 'm disputing how they are reporting inaccurate information yet feel like they do not have to answer to how they report erroneous items. My car was paid in full and was never charged off. I never received notice of such a thing and when I made my last payment, a few weeks later they mailed me the title to my vehicle.
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: FACTUAL DATA CORP. (CO)

XXXX reported that I was past due on our credit card payment. 
They are wrong and could not provide proof that I was ever even sent a bill, they 're only response was that they sent me a bill and that was enough. I believe this is a scam as XXXX XXXX ( the company that issues the cards for XXXX ) benefits by charging higher interest rate to consumers after inventing the late charge, or not providing proper notice of a due payment. 
In fact our account has a positive amount currently in other words they owe us money. 
I will be closing the account after submitting this complaint.
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I phoned Transunion 's help number, ( XXXX ), to request they temporarily lift my credit freeze. The man who responded had an XXXX accent. ( I understand Transition relies heavily on XXXX subcontractors. ) The man clearly understood what I wanted. He then asked me for all my vital credit information ; name, address, phone number, social security number, etc. After he got all my personal information, he said, " I will give you the phone number you will need to call to help you. '' I said, " since you admit you understood I only wanted to temporarily unfreeze my credit information, WHY DID YOU NEED ALL MY PERSONAL INFORMATION! He said, " it 's just policy. " I believe this Transunion employee wanted my personal information for some personal nefarious reason. He now has all my personal information to perpetuate credit fraud on me. This is likely very prevalent with Transunion and their subcontractors overseas.
Consumer complaint received 2015-09-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (NY)

Hello, I received a Smart Option Student Loan from Sallie Mae in XXXX of 2014 in the amount of {$5000.00} to supplement my living expenses while finishing XXXX XXXX. I am still in school until XXXX of this year. I filed for chapter XXXX bankruptcy last fall and was discharged in XXXX 2014. Sallie Mae started contacting me last week stating that this loan ( unlike my others through the Federal government ) is now due in full because it is ( 1 ) private and ( 2 ) ca n't be discharged and that the ( 3 ) contract for this loan is now null and void. Sallie Mae is now looking to receive payment in full on this loan within 12 months, and doing so would require payments of over $ XXXX/month.
Consumer complaint received 2015-10-29
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (PA)

Compliant against XXXX XXXX XXXX of Annie Mac Home MortgageI am a victim of being treated unfairly by XXXX XXXX XXXX, branch manager of the Annie Mac mortgage company, XXXX, Delaware branch. Per the Dodd Frank Act under Unfair Deceptive Abusive Acts and Practices ( UDAAP ), it states " abusive '' is defined as : - materially interferes with the ability of a consumer to understand a term or condition of a consumer financial product or service, - takes " unreasonable advantage '' of a lack of understanding on the part of a consumer of the material risks, costs, or conditions of the product or service '' Deceptive '' is defined as : - consumer 's interpretation is what matters, not the institution 's intention with its message or practiceWhile UDAAP may not be applicable to Annie Mac due to their amount of annual assets, they should still fall under the laws of UDAP.
Consumer complaint received 2015-10-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

A year ago we took out a mortgage with Wells Fargo. At closing, the Truth in Lending statement disclosed a monthly payment of {$1700.00}. One year later we received notice from Wells Fargo stating there was a {$5000.00} shortage in our escrow account that would need to be paid, as well as our monthly payment would be increased to {$2200.00} We reviewed all mortgage documents, and found that Wells Fargo made an error on the Truth in Lending statement in regards to our taxes. We contacted Wells Fargo in an attempt to resolve this situation. After 2 months of review, they ultimately admitted they made a mistake, they covered the {$5000.00} escrow shortage, but said we are still responsible for the higher mortgage payment, which amounts to {$480.00} more every single month for the term of the loan. We are not satisfied with this resolution, as their mistake will cause our family to have to pay an additional {$480.00} each month for the next 29 years.