davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC. (AR)

Exeter finance has now lied XXXX times they refuse to fix anything they mess up and dont honor anything they say first in XXXX on XXXX/XXXX/2015 they said I could do a two month deferral just fill out a form and return it by email filled it out sent it in got a call saying they do n't accept e-signatures ( even though they are legal 15 U.S. Code Chapter 96 - ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ) but fine I resigned it with a LIVE signature logged back in to their secure messaging portal and sent it back in BEFORE the expiration date of the offer. I got some money and made a payment so I assumed I was AHEAD since XXXX months were deferred then a few months later I get a call they say I am past due by way more than would be possible I explained the situation and the rep says they never got the live signature form ( have proof it was in fact sent successfully ) but if I make just XXXX payment we can do a new deferral and all will be well again, this time no form is ever sent they collected the payment customer service now says im not eligible for the deferred payment agreement and must pay now to avoid repossession I pay them again explain that I was on unemployment and that billing me in this manner does nothing more than keep me behind and make it impossible to catch up I was now demanding they correct the XXXX previous deferrals THEY promised and no one could help not customer service not a manager NO ONE XXXX rolls around and I am past due now I have had nothing but unemployment for XXXX months but I advised them I was starting a new job on XXXX/XXXX/2015 the lady tells me again just make a payment call back in tomorrow and ask for the deferral and you will be current and can finally get back on track I gave them the last of my money as in my grocery money my gas money everything I had to make a payment I call the next day and the rep says well now you have a payment due because its your due date and you ca n't get a payment deferral unless you make ANOTHER payment I have nothing he tells me they dont have to honor their word because thats just their policy. On top of this fiasco they charge outrageous interest to the poorest customers college students like I was when the loan originated and that is just absurd we need help more than anyone so if you 're going to make us your target audience you need to be willing to work with the financial situation you KNOW we are in from day XXXX.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I opened a checking account with XXXX and a debit account was provided and tied to my checking account. I now discovered that XXXX has reported the year of opening the acount as XXXX. The problem I discovered in XXXX which allows me to view and challenge the Equifax as well as XXXX reports is that, while the checking account and debit account was properly closed with XXXX in XXXX prior to our relocation to XXXX in XXXX from XXXX. It contained many errors. 

The information I viewed on Equifax states that this account was a credit card which was false since I never had any credit card in XXXX. XXXX is the first State that I received my first credit card. Equifax also reports that XXXX XXXX XXXX, 4years after we have relocated to XXXX was my 1st delinquency date and reported it as a charged off account. XXXX timely correct all informed that were reporting incorrectly, however, Equifax pretended as if it was investigating the errors in my file while it was a sham investigation. I challenged Equifax on this sham investigation since the telephone number I was initially provided to XXXX by Equifax was already disconnected. After I notified Equifax of this sham investigation, I was informed that another investigation would be conducted, which now produced another confirmation # XXXX written on a correspondence sent on XXXX XXXX, XXXX. This last response again reaffirmed the already erroneous report that XXXX is reporting on the account. The number I was provided to XXXX is XXXX XXXX XXXX XXXX and it is still not in service. I went on XXXX to find a telephone number to SECU and received a mailing address and a copy of the correspondence I sent on XXXX XXXX, XXXX was sent to SECU without any response. 
This was not the only challenge in my file that Equifax is not reporting accurately on and refusing to conduct the required investigation on. I would appreciate your agency intervention on this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I demanded verification/validation of account status, amount, original creditor and copy of the contract. I demanded removal of unauthorized inquiries on my report. they refuse to validate/verify accounts and inquiries and they refuse to delete incorrect information and are causing great harm to my ability to obtain credit.
Consumer complaint received 2015-07-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (TX)

I called into to cancel my payment due to fraud. Dated for tomorrow. I was advised that they would cancel it tomorrow once I called in with my new payment. I explained several times I wanted it cancelled today. I was advised she could n't or would n't do it. Then told due to my delinquency I would have to speak with management. I asked why it could n't be cancelled was told I needed to set something up. Her name was XXXX the debit payment was never cancelled after again explaining it would n't go through due to closing out that debit card. I felt like my checking information was held hostage with nothing for me to do except comply with their demands. I called back to speak with a rep and asked their speedpay policy. All she could tell me was it depends on how far past due you are. I flat out asked could they cancel my payment and was told I still needed to speak with a manager. I should n't and wo n't go through all these hoops to cancel a payment. If I needed it cancelled it should have been done. I planned on calling in tomorrow to set pmts up with my new checking information.
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In 2007 I was being treated for XXXX XXXX While I was undergoing treatment I had many health care providers in and out of my home I was also going through a divorce at the time.My credit cards were stolen and in some cases accounts were opened in my name without my consent. When I became aware of what was going on I called the creditors and requested they close the accounts. I filed a police report and gave information to the creditors as to whom I suspected at the time.In regards to my credit cards. The creditors began calling and demanding payments. Then they reported the accounts to collection agency 's miss reporting dates.I filed disputes with the credit reporting agency 's in some cases I paid for my reports.The debts would be sold and re reported by other collection agency 's in some instances the reporting agency would remove and item only to have it replaced on my credit file or report it to another reporting agency. I locked my credit file down with all the credit reporting agency 's After fighting this for several years I have become unable to resolve this problem it has caused be great hardship as I am on XXXX XXXX and I am unable to rent a place of my own or have utility 's in my name. I did not receive any benefit from the fraud or transactions that were made on my accounts without my knowledge or consent. I have Federal loans that have been discharged yet are still being reported as in collection The loans are XXXX by the XXXX XXXX XXXX XXXX acct # XXXX and are not in collection.I have been harassed by collection agency 's every time they sell the debt.
Consumer complaint received 2015-07-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Consumer Asset Management (Texas) (TX)

On XX/XX/XXXX, I received a voice mail from a lady named XXXX around XXXX and on the voice mail she threaten to take legal action if I did n't return her call by XXXX. She left XXXX numbers on the recording : XXXX and XXXX. Because of the threating tone, I told my common law husband, XXXX. I provided him with the phone numbers because I was experiencing mental anguish over the nature of the call and had not gathered my composure. He called and XXXX XXXX answered the call. XXXX XXXX was rude and told me that she was calling about the debt associated with a XXXX XXXX account # XXXX in the amount of {$2900.00}. I indicated that we both had experienced episodes of identify theft and I would like to speak to her supervisor. At that time, she placed me on hold and I was able to speak to XXXX XXXX XXXX. I asked XXXX XXXX when was this debt incurred and she stated that the account was open on XXXX and closed XXXX. When I asked XXXX XXXX why was she attempting to collect a debt over eleven years old, she stated that her company just got the account. When I told her that she was not following federal guideline as a debt collection agency, she became irate and evasive. I asked to proof her identify by reciting her driver 's license and she refused. I told her that she had not validated the debt. I told her to show proof that the debt was assigned to her collection agency along with the date and by whom. XXXX XXXX hung up the phone. In fact, the phone was hang up on me XXXX or XXXX times each time I called back. After getting off the phone, I told my common law wife that someone is conducting an illegal investigation into our credit background. I asked my common law wife did she know anything about the debt and she told me that that account was dissolved in bankruptcy court in XX/XX/XXXX. After this incident, I researched this collection company, Consumer Asset Management, and found the owner to be XXXX XXXX and that the company was bonded XX/XX/XXXX. As with a similar complaint on file with your agency # XXXX, this above named collection agency had no legal standing to attempt to collect a debt that was already liquidated and well out of the statute of limitations. Please have XXXX XXXX provided his occupation over the past twenty years and the name of the individual, his affiliation, his company, the creditor who forwarded this account to his collection company. Also, please have XXXX XXXX provide documented proof that this debt was assigned to him by the original creditor, a workable phone number to reach said individual and the driving license number of said person, and again the date that this debt was assigned to his company. The request for a driver 's license of the person who transferred this debt is significant because we believe that this is a bogus and fraudulent attempt to collect a debt and it violates the fair debt collection practices. 

XXXX XXXX and XXXX " XXXX '' XXXX
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX is an account that was originally opened in XXXX of XXXX, was then sent to a collection agency named XXXX and eventually paid off in full in XXXX. I had printed a credit report in XXXX to get the status of when the items, XXXX XXXX and XXXX XXXX, would be removed from my credit report and it was noted that it will be removed in XXXX of XXXX. I recently inquired to a credit bureau representative about late payments to another account that should be removed and upon confirming the removal of XXXX XXXX and XXXX XXXX from my credit report in XXXX of XXXX, I was informed that the date was changed to a time in XXXX without any legitimate reason. I am disputing the fact that I should n't have to wait an extra two years to have items removed from my credit report when its was verbally expressed and stated on a credit report that the items were going to be removed in XXXX of XXXX. I have the original copy of my XXXX credit report if it is needed to confirm my dispute
Consumer complaint received 2016-03-23
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

Exorbitant service charges without warning I have recently been making a quite a few online purchases using my peoples debit card via the online service paypal. I use my debit card online because it should be the same as cash with out fees. I had n't noticed these " network service charges '' until my most recent statement where the charges reached {$81.00} dollars. Furthermore the total charges for the past 12 month are {$200.00} in total of said " Network Service Fee 's. '' On Monday XXXX XXXX, 2016 I contacted XXXX, peoples, and had a conference call with XXXX institutions. I First contacted XXXX to question the fees on on bank statement, I spoke with a supervisor and he assured me that they do n't know why peoples would be charging a " per use '' fee. Second, I contacted Peoples, explained my frustrations on being charged over {$80.00} dollars in fees in one month alone, they assured me that " XXXX was aware of the methods of payment charges according to the 'nice ' system. '' From what i gathered from the conversation with peoples bank is that i am being charged as if i were using a " non-network atm ... '' I Have never been charged a fee to use my debit card online. ever. Furthermore, I do n't understand, nor could peoples bank explain, how making a purchase online is in the same category as making an atm withdrawal. When i make an atm withdraw, which is infrequent in my case, i am immediately notified on the screen of the impending charges BEFORE i make a withdrawal and only then am i asked to proceed. These charges on my statement have had no such warning. I asked peoples for an explanation of these charges and a refund. They denied my request. Explaining that " it 's in their universal contract '' that they will not refund and its not a problem with them, but the issue lies with paypal and " how they initiate the charge. '' To the average consumer, such as myself ' I would have no way of knowing that these charges would be instilled prior to to getting the statement! I feel defrauded out of {$200.00}, due the the fact these charges were instilled with out my knowledge. If I were to have known prior to these purchases that an additional {$3.00} " Network Service Charge '' per use of XXXX were to be placed i would have certainty have not done so.
Consumer complaint received 2015-07-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Pacific Union Financial, LLC (IL)

client came to office to see housing counselor - packet was submitted to Pacific Union and according to client, they initially confirmed verbally that her file was in review. however, client has not received anything in writing. Client did go to XXXX court hearing on XXXX/XXXX/2015 and the case was stricken from the case management call, the Court having determined that no further case management conference is necessary. Client believes that no one from lender or lender 's representative showed up to court that day. Since then, the lender/servicer continues to harass her with phone calls and written correspondence regarding amounts owed, and client states that she opens all her mail, so she is unaware of any written correspondence regarding her file submission. On XXXX/XXXX/15, client was serves again with another foreclosure filing - and has another court hearing on XXXX XXXX, 2015 - housing counselor scanned in all of her documents to her file, and will call lender for status at this point. XXXX informed client to go to court hearing - according to the new set of documents client brought into the office, the new petition states that her previous loss mitigation packet was closed due to insufficient income, and did not qualify - this will need to be confirmed with lender - Called Pacific Financial @ XXXX and spoke with XXXX. missing docs letter was not sent because the information that was sent in XXXX - and because the previous review for assistance was denied due to insufficient income, no change of circumstance had occurred - so therefore no missing docs letter was sent to client - according to XXXX, file was never submitted to review - because it was immediately determined that income information and household circumstances were same as previous submission - therefore file was closed. Lender/servicer did confirm that FHA is investor and she needs to consider transition option at this point - XXXX continued to meet with client at this point to discuss alternatives. XXXX now has a discussion with client - file a complaint with CFPB - show up to court on XXXX/XXXX/15, and request mediation - and understands that there is strong possibility that client will have to resubmit file once again since previous file was closed with no missing docs letter or acknowledgement letter provided to homeowner.
Consumer complaint received 2016-02-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MN)

When depositing a pay check through Wells Fargo mobile app, the deposit has always been available immediately. When using the service today, I get an email after the fact stating that the funds were not going to be available until tomorrow - leaving me with an overdraft on my account, and NO money for groceries today. I tried calling Wells Fargo at their helpline ( XXXX ) to ask if it could be reversed so that I could take the check to the bank and cash it there. They said that that was impossible. It should also be noted that my paycheck is also issued from a Wells Fargo account. When I talked to them - they said that in the terms and conditions ( many pages of fine print ) they state that some times they require overnight processing. I find this ridiculous since it is from Wells Fargo to Wells Fargo. I had been given that warning in the App, I would have walked to the bank and cashed it there and I would have had cash in hand. The check was for {$2500.00} - which is within the limits permitted in the App. I have confirmed with my employer that the funds went out of their account immediately - so this is simply a ploy by Wells Fargo to earn interest on my money.
Consumer complaint received 2016-02-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP (OH)

My brother and sister and I had schedule to meet at the Key bank XXXX in XXXX, Ohio on XXXX XXXX, 2015 around XXXX My husband drove me to the bank. My brother was there when my husband and I showed up. My sister was a little late getting there so my brother and I greeted each other and he called my sister to see if she was on her way. XXXX when the bank opened, a banker came to unlock the doors. She went back in and another banker came to the door. My sister showed up about XXXX The XXXX of us greeted each other and proceeded to go into the bank. We were met at the door by XXXX the bankers. She told us the system was down and we would have to use the drive thru window. We told her we did n't need to use the drive up window. We told her that we needed to speak to someone about a loan modification. She told us we would have to call customer service and speak to them about getting a loan. We tried to tell her why we were there but she kept referring back to a customer service number and a loan. All of the conversation was taken place outside the door of the bank. My brother asked the banker why we were standing outside in the cold and not inside having this conversation. We were stopped at the door and told we could go to the bank in XXXX. We live in XXXX and we did n't need to talk to anyone about getting a loan but we needed to speak to someone about modifying a loan we already had with the bank. We never got a chance to tell this. Every time we tried the banker would say we can speak to customer service, and she told us to go to another bank. We were embarrassed and humiliated. The police were called and people were coming out of the bank looking at us as if we had stolen something. Women were rushing to their cars. Yes even though we were told the system was down everyone that was n't XXXX was able to go into the bank and do their normal banking. After we realized we were being discriminated against my sister used her cell phone to record the events. I told the banker, after she said she recognized my sister, that we are together and that we were siblings. She just looked at us as though we had done something to her. This situation was so embarrassing, plus it was cold I went back to the car to get warm. My sister was still trying to get information while still being told to go else where. I tried to explain to her that we were siblings. She said she recognized my sister but she still would n't allow us to come in and sit down and talk to her. Mean while other XXXX people were allowed to go into the bank and do their normal banking. People were leaving the bank in a hurry as if we were some kind of criminals. It was embarrassing and I had to keep my brother calm.
Consumer complaint received 2015-06-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (VA)

My Loan Servicer is Caliber Home Loans. I wrote to them about understanding my options regarding a loan modification. I sent my question to them at the end of XXXX. My spouse heard from them on XXXX XXXX, 2015. Caliber staff refused to discuss modification options. They said once they have updated financial information, they alone will decide what options, if any, we have. Caliber has been difficult and rude. Under the present terms of our loan, we are supposed to assume a 20 year amortization. How can we understand our rights? I am XXXX and trying to assist my spouse in this matter. Please respond to XXXX of us at : XXXXXXXXXXXX XXXX XXXX XXXX ) and XXXXXXXXXXXX ( XXXX XXXX ). The home telephone number in Virginia is XXXX. Thank you
Consumer complaint received 2015-07-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Data Line Credit Corp (CA)

Since XXXX 2011 I send this collection company a certified letter requesting verification of the debt pursuant to Fair Debt Collection Practices Act 15 USC 1692g Section 809 ( b ). The company never responded and over the phone threatened to report negatively in my credit, which they have done since day one to this date. They have caused so much damage to me and my family with this bad credit markings, which arose another question as to private information, such as SSN, being public information. The property they are attempting to collect fees for was never legally mine and due to that I am not legally responsible for anything that happens with such property, thats just the law! I have tried numerous times to negotiate my release from any ties with them and even with certified documents that prove I was never the legal owner, they continue to harass me into paying or deal with their malicious consequences.