davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies and my consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each disputed account. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2016-12-27
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (NJ)

Signed up for US BANK XXXX rewards card during XXXX XXXX, using their XXXX promo site at XXXX. At the sign up bonus given was XXXX plus extra for each XXXX XXXX won. Total bonus should be just around XXXX XXXX XXXX sign up bonus and around XXXX Olympic bonus ). I called US bank in XXXX ( only call made that month XXXX to confirm everything is good with all promo and a female service rep was able to confirm. Now 4 months later US bank is claiming I dont qualify for XXXX extra since they do n't track correct enrollment. I consider this complete fraud and false advertisement on US BANK part. Also after googling my issue, it seems quite a few customers had same issue with US bank not honoring its own promo.
Consumer complaint received 2016-12-27
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (MD)

Hello, I leased a vehicle through Honda Financial ( dba Acura Financial ) in XX/XX/XXXX. I paid that loan off in XX/XX/XXXX and the installment account was reported as closed and " pays as agreed '' on my Credit Report. In XX/XX/XXXX, I was contacted by Acura Financial about " toll fees '' that I accrued in XX/XX/XXXX and XX/XX/XXXX unbeknownst to me. At this point in time, the lease account had already been closed and paid for ... well over a year. I told them I would pay the fees and made a single payment over the phone. I admit that I forgot to pay them after that as I did not have an active loan or credit account with them. I also did not receive any correspondence about the rest of the toll fees. On XX/XX/XXXX, I was alerted to a credit alert on my report. I noticed that my old lease account, which was closed and was once " pays as greed '' had changed to " pays XXXX days ''. As a result, my credit score dropped XXXX points. I think this is highly deceptive to anyone looking at my credit. This change implies that I did not pay my lease agreement on time which is untrue. I was NEVER late paying my lease or any of my cars. I had NO idea about these fees until over a year later. If I accrued these tickets in XX/XX/XXXX and XX/XX/XXXX..why was n't this added to my loan? Why was I able to pay my lease off with unpaid tickets? Why a year later? I admit that I forgot to pay the fees after being contacted in XX/XX/XXXX, but it seems they also forgot to add these " unpaid tickets '' to my loan while it was still active. I also do n't see how it 's legal to " update '' a closed account with false information. 

I purchased another Acura at a dealership and we had to payoff the account before I could obtain possession of the new car. I have proof that these tickets were added to my closed account over a year after the payoff was sent. 

I 've been very loyal to Acura and Honda up until this year, all I have purchased is Honda and Acura cars ... .but it seems they do not share the same loyalty.
Consumer complaint received 2017-05-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NV)

I filed a previous complaint about wells fargo and you closed the case without the appropriate resolutio n. Wells Fargo says the  " found '' about {$300.00} they owed additional. The real amount is nearly {$3000.00}. We owed $  XXXX  on the mortgage and were required to pay a $  XXXX  amount. The difference is $  XXXX . They are saying that the {$2500.00} escrow check contained additional money owed. This is not true. WHen I was receiving a payoff amount I was told that there would be a {$2500.00} escrow payment. I still paid {$3000.00} more because I had until  XXXX   XXXX  to pay it off and that would be accrued interest until then. However, I paid it off nearly a month before that,  XXXX   XXXX , so there is a month of interest, about {$3000.00}, that are they still trying to steal.  Wells Fargo  as we all know is a corrupt and criminal organization. I 'm not going to allow them to take my money as I did n't even get a loan through them. THey bought my loan without my consent. I have now wasted several hours on this corruption and expect compensation above the amount owned for that.
Consumer complaint received 2016-12-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I did a VA Refinance by XXXX - a California Corporation on XXXX. By XXXX, the mortgage was sold by XXXX to PennyMac - ( PennyMac loan number XXXX ). My first payment to PennyMac was on XX/XX/XXXX. XXXX Mortgage and PennyMac required that my Hazard Insurance and Property Taxes be paid through an escrow account. My payments were all made on time and included the requested escrow account amounts. However, PennyMac ( XXXX ) did not pay my Hazard Insurance with XXXX. By the time I saw correspondence related to this issue, I could no longer reinstate my cancelled insurance policy and was forced to re-apply for a modified policy ( some policy provisions were no longer available ). Upon the initiation of a new policy, it was paid by the PennyMac escrow and I was assured that an accounting would be done and I would receive a refund as appropriate. The amounts due, from XXXX perspective, were not paid for the period of XXXX until the policy was cancelled on XX/XX/2016. The new policy was in force on XX/XX/XXXX, leaving a period of XXXX and XXXX wherein my house was not covered by Hazard Insurance. 
I have needed, so far, to spend over 10 hours of my time on hold or speaking with someone at XXXX Mortgage, PennyMac, XXXX, and the XXXX collection agency - XXXX. The problems that I can not get resolved are as follows : 1 ) get PennyMac to pay the currently due amount of {$300.00} for the collection account with XXXX XXXX XXXX for the period they failed to pay for Farmers Hazard Insurance policy ( XXXX through XX/XX/XXXX ). A " supervisor '', XXXX, did call and leave a message that there was no money due from XXXX the bill was probably a " scam ''. So, I called her back and left a message explaining that she probably inquired about the current policy number which is paid - not the policy that was cancelled due to the failure of PennyMac to make the required XXXX payments ( the policy numbers are cancelled=XXXX, new=XXXX ). 2 ) I received a demand notice from PennyMac for {$19.00} to cover the XX/XX/XXXX to XX/XX/XXXX period because I did not provide " proof of coverage '' - which is ridiculous since they are the cause of the problem, and 3 ) be paid the remainder of the refund I should receive since there was a two-month period with no Hazard Insurance coverage ( it should be about {$100.00} ). I did receive a check in the amount of {$87.00}, which is less than one month of the cost of the prior cancelled policy. 
This problem has been going on for more than a month. I own and run a small business and should not have to waste over 10 hours of my time resolving a problem that was caused by PennyMac and/or XXXX Mortgage. When I first looked at my PennyMac Escrow and Hazard Insurance information online, it had the correct old policy number and annual amount due.
Consumer complaint received 2016-12-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (PA)

I had medical assistance at the time of the XXXX visit, all referrals were in order and insurance card was given. No bill was asked upon leaving the facility, no bills were sent in the mail, about a year later I received a collection notice for a debt owed on that specific date of service. How can you send something to collections that you never gave the person a chance to pay, I did n't even know I owed anything. But anyways, I then called the collection agency and ended up paying the bill they asked. I thought everything was fine.. Well about 2 years after I received a new notice from another collection agency for the same date of service saying I owed them money again. How can this be?
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CT)

I HAVE NO KNOWLEDGE OF SAID DEBT ACCEPTANCE NOW, XXXX, XXXX BANK, AND XXXX BANK AND I WOULD LIKE IT REMOVED AS ITS REPORTING TO THE CB AS AN CLOSED, NEGATIVE, REVOLVING ACCOUNT. XXXX is a car loan that was totaled and paid in XXXX by XXXX and gap insurance. the information was also shared illegally through a third part without my consent. I also sent out certified letter 609 letters and no respond, I have a lot of inquires that I did not put in as well. I also sent in a divorce decree that my ex spouse is accountable for all my debts and they have yet to remove them
Consumer complaint received 2016-12-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo sold a mortgage we had and paid off via bankruptcy to a XXXX Home Loans. I have already filed a complaints with the XXXX which is under the Pennsylvania XXXX Office and the, Pennsylvania XXXX. I have documentation that Wells Fargo filed a satisfaction of mortgage with XXXX County, I have further documentation from the Bankruptcy court records that indicate said mortgage has been satisfied. XXXX Home Loans is currently trying to foreclose on our property, even know documentation has been submitted to them multiple times proving the mortgage has been satisfied, was recorded in XXXX County on XXXX XXXX 2016.
Consumer complaint received 2016-12-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NC)

I cancelled XXXX and paid the final bill on time there was a cancellation fee of {$690.00}. There was no timeframe to pay this fee so it was paid in installments for XXXX months. XXXX gave no notification this was an issue. Not sure who this third party is as all payments were made directly to XXXX.
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (TX)

I have a XXXX Credit score and a stable income of {$500000.00} and my credit card application with American Express was denied based on discrimination, ( there is no other reason ) I have a superb credit score and excellent income and I make 100 % of my payments on time, I never missed any credit card payments ever with all my other XXXX credit cards, I have reason to believe that I was denied credit by American Express based on discrimination.
Consumer complaint received 2016-12-28
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: SUN WEST MORTGAGE COMPANY, INC. (NJ)

I refinanced my mortgage using contour mortgage. My current mortgage company sunwest mortgage gave contour a payoff on XXXX XXXX. I signed the closing papers on XXXX XXXX, 2016. I have my monthly payments directly come out of my checking account every XXXX of the month. I was advised by sunwest to cancel my XXXX payment threw my bank due to the signing which I did. XXXX also calculated per dime payments into the final payoff which would bring the payments current from the date of requested payoff until XXXX XXXX when the payoff check was received. I received a letter from sun West stating my loan has been paid in full dated XXXX XXXX. I am now receiving phone calls from sunwest stating I need to make a XXXX payment. Both myself and contour mortgage have documents paying the loan in full and do not believe I owe a XXXX payment because of that.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are the inquiries that I want deleted from my credit report. Your customer service would not help and take care of the negative inquiries reporting to my credit report
Consumer complaint received 2016-12-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: AMERICAN EQUITY MORTGAGE (MO)

I contacted American Equity Mortgage company in XXXX, MO on XXXX/XXXX/2016 to get a refinance for my home mortgage. So I spoke with XXXX XXXX and give him all my information to pull my credit report as he suppose to call me back after few hours on the same day. I waited and he did n't call. The next day I called him back and left him a voice message and never returned my call and call them again few days later and left another voice mail and no one returned my call period. He did pull my credit report and 2 days later after he did so my credit score significantly dropped for unknown reason as there 's no negative information reported or added to my report. I believe I have been racially discriminated for no reason and I believe he did something to my impact my credit score over all.
Consumer complaint received 2016-12-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OR)

My chase bank account was left with no activity for a couple of months and that is because I 'm waiting on my school money to deposit again. I had someone wire money into my account an few days ago and went to the bank today and they told me my account was closed last XXXX with no notice at all no email or anything. I ca n't understand why they can just close your account without any notification at all.
Consumer complaint received 2017-06-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Atlas Capital, Inc. (CA)

I was told by lender that they will lower my interest rate after making 4 payments on the {$25000.00} loan I made with them. After paying over {$6600.00} in 4 payments they did the refi and the contract still stated {$25000.00} as the loan amount. To date I have paid them the {$25000.00} and over {$20000.00} in interest. This loan should be paid in full as my understanding was the refi was for 24 months but I am being told that there is another 12 months left. If you are not able to get this situation resolved, I will be making a claim with the Attorney Generals Office and filing a lawsuit.
Consumer complaint received 2016-12-27
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: JPMORGAN CHASE & CO. (IA)

My husband, XXXX was seriously injured in an accident on XX/XX/2016. He is still recuperating from the resulting below-the-knee amputation and other injuries and has been unable to work. We do not have the funds to make full payments on our accounts at this time. We are currently working with XXXX ( XXXX ), a non-profit agency in our home town. XXXX is not charging us any fees. All our other creditors have been willing to work with them and we are making payments to keep those accounts current. Chase has refused to work with the XXXX, saying they ( the XXXX ) are a " XXXX '', even though we 've been trying to set up something with them ( Chase ) since shortly after the accident. Even when I called directly to try to negotiate, Chase refused to speak to me, and instead referred me to XXXX of their XXXX. Although the initial recording said I would hear a list of agencies serving our area code, my call was immediately transferred to someone who identified herself as " XXXX '' at " XXXX XXXX XXXX Solutions. '' XXXX stated that she was in XXXX and did not have offices in XXXX. XXXX boasted that XXXX XXXX was XXXX of only XXXX credit counseling agencies that Chase refers customers to. Without knowing any of our personal or financial information, XXXX right away offered XXXX solution which she called " XXXX XXXX XXXX '' where XXXX XXXX would make our payments for us and charge us a {$50.00} setup fee and up to {$55.00} per month fees on top of what we owe to our creditors. Why would they refer us to a company that sounds exactly like the type of service they are warning us against? I do n't understand why Chase would refuse to communicate with the local non-profit agency who are already helping us and instead coerce us to deal with an unknown " debt management service '' that will charge us setup and monthly fees on top of our debts. Chase is in effect creating a monopoly by referring us to XXXX of their in-house credit counseling agencies, which will cost us to use, generating more income for the Chase brand. Additionally, the " negotiated settlement '' payment is actually higher than the minimum payment we 've been billed. Our other creditors have already worked with XXXX to help us set up hardship payment plans. Chase 's refusal to cooperate with us is causing undue stress. Please respond quickly to help us resolve this situation.
Consumer complaint received 2016-12-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (AZ)

My mortgage was paid through the sale of my home. The balance paid resulted in an over payment. BBVA Compass indicated that they were to issue a refund to me, for {$1200.00} processed on the XXXX. I contacted them on the XXXX of XXXX to inquire where my refund was. I was told that the check was mailed on the XXXX of XXXX, and that I needed to fill out an affidavit of indemnity for them to reissue payment, and that they would directly deposit the funds afterward. I did so, and then followed up with them, at which point I was told that they had mailed the check a second time rather then placing it in my account. They indicated they would stop the second check and then deposit funds, and that I should hear back on the XXXX confirming the same. I did not hear from them, but did receive the first check on the XXXX, which they failed to mail until the XXXX despite their representation. It is absolutely unacceptable that they could not simply tell me that they had only mailed the check two days prior from Alabama. I would of course been upset that it took them that long, but this whole ordeal and comedy of errors could have been avoided. I called back again on the XXXX, and was told by a supervisor that my funds would be in my account Friday after business hours, the XXXX. On top of that, they mailed my 2nd check to the wrong address. I did not receive my funds as promised. I called them again today, and they of course ca n't get a supervisor on the line. I was told they would have a supervisor call me, and I have not received a call. I have tried dealing with them and I am fed up. If I owed this bank a delinquent payment I would be assessed fines and collection calls. This is ridiculous that they ca n't competently process a refund, and continue to make false promises.
Consumer complaint received 2016-12-27
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STERLING JEWELERS, INC. (VA)

This company has repeatedly called my elderly former in-laws regarding my account. They have told them repeatedly to stop calling, and continue to call them. My ex-wife is constantly receiving calls from them complaining. The company has been told they have no contact with me any longer, and continue to harass them. They have discussed the account with them, disclosing the amounts owed. this is completely illegal.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was calling regarding the data loss that took place also known as " inquiry issue ''. I had to call 3 different times. The first time I spoke to some lady and she hung up on me and I decided I would not call until Tuesday. I called just a little while ago and was hung up on by XXXX and then had to call a 2nd time and spoke with XXXX. I kindly asked XXXX to take the inquiries off my credit report and he refused to and instead told me to write letters and maybe hopefully someone will do something. I do n't appreciate that these major credit reporters XXXX over the working class. They expect us to continue getting loans and they continue to make money off of people that have low credit scores just continues to destroy the american public. In this case I should start charging transunion for every month that goes by and my hard inquiries are not removed I should charge interest on that because I know for a fact that if I am " late '' on a payment I know the bank will definitely charge me interest without a problem and expect me to pay for it.
Consumer complaint received 2016-12-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NM)

When I was about XXXX I enrolled to go to XXXX College in XXXX, Utah. I was in a " XXXX '' ( XXXX ) program under the impression that after a month I would be moved to a XXXX program, this never happened. I did graduate but they never gave me a diploma. I now owe Navient {$33000.00} for a 20 month XXXX degree. I also owe XXXX College another {$8000.00} for a private student loan that is accruing interest at a rate of about {$70.00} a month. XXXX college also told me I would be making around {$XXXX} a year and it was not wise to pursue education at a XXXX college because it would take too long. Obviously that did/is not happen. I believe I have been a victim of a predatory loan. Please help