davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-24
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (IN)

XXXX XXXX, XXXX, my husband and I went to XXXX XXXX, XXXX IN to look at vehicles. We thought we had purchased a XXXX Ford Edge. Ally financial was the finance company who was financing the vehicle. We took the vehicle home that same night. I put insurance on it but I was never able to register the vehicle. I received a letter of denial from Ally date XXXX XXXX, XXXX stating they could not finance the vehicle. I called Ally and I called XXXX in regards to the letter of denial. Ally said I should contact XXXX. I returned the car on XXXX XXXX, XXXX. I could not get anywhere with XXXX. Ally processed the loan anyway even though I had returned the car. The car was sold at auction some time around XX/XX/XXXX. Then they claimed that I still owed them {$8800.00}. This is a charge off. I do not owe them anything. There was never any agreement to the modified terms of the contract. I never signed any additional papers. There was no meeting of the minds. And once you make changes to the original contract that voids the deal. Which is what happened. I have supporting documents to prove my case.
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (KY)

My husband and myself are XXXX with excellent credit. We applied for an investment loan twice ( XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX ) through Quicken Loans and on both occassions we were quickly pre-approved and reassured that we 'd be able to close the transaction but later denied funding. On both occassions, after we already had a sales contract, paid for inspecton, application fee and appraisal, and many weeks into the transaction, we were told that the loan could not be funded. 
1. We were not able to purchase a duplex in XX/XX/XXXX/XX/XX/XXXX because after 4-5 weeks after pre-approval and countless documents sent to them, we were told that they could not lend us the money. We were able to put down XXXX % or more of the purchase price. We lost a great investment opportunity with XXXX units already rented and awesome appreciation potential ( we had a sales contract for {$130000.00}, comparable real estate is currently selling for {$230000.00} ) ; we also lost about {$1200.00} in inspection and appraisal fees, and of course, we lost valuable time that we could have used to find funding with another financial institution. We could not purchase this property because we were denied funding. 
2. We applied again XX/XX/XXXX because I work for XXXX, and as a XXXX employee I could get a discount on apraisal and fees. Once again, I was quickly pre-approved, put an offer on a duplex and the seller declined the offer stating that Quicken Loans approved but later does n't close. I went back to Quicken Loans, explained what had happened and asked, if they were confident that we could close. I was, once again, reassured that the loan could be funded, that the seller 's claim was unreasonalble because they 're a reputable company, etc, etc ... We put an offer once again but we had to offer more money for the seller to be confident ( we offered {$15000.00} more ), seller accepted, we had a sales contract, we made an inspection, paid loan fee and a couple of weeks into the transaction Quicken Loans said that the loan could not be funded because they had not noticed that we had other mortgages!!! How in the world our credit ( mine and my husband 's ) gets checked and mortgages go unnoticed? What criteria did they use to pre-approve us? Do QL associates get a commision when people are pre-approved even if guidelines are not followed? Are there guidelines? Are they just playing with consumers to rip us off like XXXX XXXX did? Are they discriminating against us because we are XXXX?
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Today I received in the U.S. Mail a letter dated " XXXX XXXX, XXXX '' from " Equifax '' who is refusing to " delete '' the negative " XXXX XXXX XXXX XXXX '' entry of " Foreclosure '' off my " Equifax '' credit file. I filed for divorce on XXXX XXXX, XXXX. My ex-wife ( XXXX XXXX XXXX ) wanted our house in XXXX, California. So I moved back to XXXX, California. Around XXXX XXXX, XXXX, Family Law Judge XXXX XXXX ordered me in writing via a Court Order to " immediately turn over '' the home in XXXX to XXXX. So I did so. I did n't know until recently that she, not me, but she had STOPPED paying the monthly mortgage after I had physically moved out from it around XXXX XXXX, XXXX. " XXXX '' and " XXXX '', the XXXX other large national Credit Bureaus under the above " legal '' facts and they both have removed the " negative '' foreclosure status off of my " XXXX '' and " XXXX '' credit files. Yet " Equifax '' still refuses to do so. I even mailed " Equifax '' all XXXX pages or so of Judge XXXX XXXX 's Court Order and " Equifax '' is financially penalizing and libeling me for something that my ex-wife had 100 % control over because of Judge XXXX 's Court Order.
Consumer complaint received 2016-07-28
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: GABA LAW CORPORATION (OR)

I received a call this morning from an attorney 's office in regards to a debt they said they have made multiple attempts to contact me and I 've left several voicemails but I have not received any of those today was actually the first voicemail I received from them. Upon speaking to this individual identified myself my name but did not give any other information aside from my phone number and he did not attempt to verify that I was who I said I was and continued to give me information in regards to the debt. he said that he will be advising the party that sucker out their attorneys office if I do n't make attempt to payment. I felt very pressured to try and do something give you simply said that some is going to file a lawsuit against me if I do n't do something right at this very moment. Now this long offices out of state so I 'm not sure what their procedures are what the laws are in regards to being out of the council but I feel very harassed
Consumer complaint received 2016-10-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NC)

Vehicle was totaled, declared a total loss on XXXX XXXX, 2016. WFDS/WDS has reported to the credit bureaus a 30 day late pay to all XXXX credit bureaus for either XXXX or XXXX, I am unclear on the exact. However I was told not to make payment as the car was a total loss XXXX XXXX. Attached is the letter from my insurance company via my lawyer.
Consumer complaint received 2017-01-02
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NY)

There was fraud committed against me in XXXX 2013 by sister in law that used to live with us. over $ 4XXXX in online charges were made by this person. shortly thereafter she moved out and left the state. I have called numerous times to Discover, filed fraud affidavit, and even a police report. They did credit most of the charges however, they left over {$800.00} for some reason. 
I am now learning about this as a result of being turned down for a car loan, because of the discover issue that is apparently reflecting negatively against my credit. 
This issue will now force me to pass up an opportunity to privately sell my current vehicle and most likely be forced to trade it in, in order to process the loan and obtain the new vehicle. This will cost me money I can not afford to lose.
Consumer complaint received 2024-10-09
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: Upstart Holdings, Inc. (PA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear UPSTAXXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with Pennsylvanias identity theft and consumer protection laws.

It has unequivocally come to my attention that UPSTAXXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Additionally, Pennsylvanias laws protect consumers from unauthorized use of personal and financial information. Under Pennsylvanias Identity Theft Statute ( 18 Pa. Cons. Stat. 4120 ), it is illegal to use another person 's identifying information without consent, which applies to unauthorized reporting of credit information. 

I assert with unwavering certainty that I have not provided consent for UPSTA/XXXX  to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that UPSTA/XXXX  immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Pennsylvanias relevant identity theft and consumer protection statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Pennsylvanias identity theft laws.

Obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and Pennsylvania state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that UPSTA/XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2016-05-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC (IL)

Client had an account with XXXX XXXX. After receiving a free government phone, she added another line to the service, but when the fees turned out to be astronomical she cut off the services. She made as many payments as possible but the balance never went down. Now she owes a large sum of money to a collection company. That company has not validated the debt.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX XXXX : {$360.00} XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00} XXXX  XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX XXXX XXXX, XXXX Balance {$120.00} XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Sale of account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is a follow up to dispute : XXXX Bank of America contacted me 3 times regarding the above mentioned CFPB dispute. They contacted me once by phone, once by email and a third time by phone. I was able to pickup the call on the third time and talk to an agent that mentioned to me that Bank Of America attempted to contact me ONCE in XXXX of 2015 to settle the debt associated with my credit card prior to submitting me to collections and charging off this account. 

Bank of America is notorious for deceptive practices such as this. It 's very easy for a Bank to utilize rules and laws to benefit themselves, charge off bad debt, transfer debt over to third parties for collection and access fees all under the pretense that they attempted to contact me ONCE.
Consumer complaint received 2016-12-30
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CL Holdings LLC (UT)

Both Jefferson Capital and XXXX have been calling me on my cell phone continuously since XX/XX/XXXX about a medical debt that I incurred XX/XX/XXXX 0r XX/XX/XXXX. I have an old bill from XX/XX/XXXX. I was in financial distress because of the recession and things have happened since to make it worse. I believe that the statute of limitations has expired to collect this debt. The debt was charged off on my credit report. What should I do to stop them.
Consumer complaint received 2016-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

On XXXX XXXX, 2016 I called our mortgage company, ditech XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX ), to ask them the procedure to have the PMI to be removed from our mortgage payment. I was advised to write a letter asking for the PMI to be removed and giving authorization for an appraisal and told to fax it in. I faxed it in and received confirmation it was received. I was told I would hear back within 30 days. 
I never heard back and have called every month since ( XXXX ) the staff at ditech are very nice but they continue to tell me they do n't understand why the Escrow Department has not contacted me to set up an appraisal. I have asked to speak with someone in the Escrow Department and have been told that department does not take calls. I spoke with a supervisor and she has tried to help but I am still getting nowhere. 
The home values in our area have increased significantly and I would not be asking for this PMI removal if I did not know it is not justified at this point. 
Your help in this situation is appreciated. 
XXXX
Consumer complaint received 2017-01-15
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I accidentally purchased the wrong hotel rooms for a trip to XXXX. As soon as I made the mistake, I called my credit card company to see if they could cancel my transaction bc the hotel does not have an international number to call. I was assured that the transaction would not go through because it would cause my credit card balance to exceed the limit. The next day, the credit card transaction processed and I was allowed to exceed the limit. I have not previously been allowed to exceed my limit which is one of my favorite things about this credit card. When I called to ask why they said I had signed up to allow for the card to exceed its limit ( not sure when I did that ... ) and I would be responsible for the extra hotel rooms. I also reached out by email to try to correct the mistake but they have a no cancellation policy.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, XXXX, AND XXXX have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you
Consumer complaint received 2016-10-25
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (MI)

Quicken Loans refuses to close my loan. They pushed off my date while not requesting I provide all required information to do the loan. Now I am in a hotel with my kids and no home because of it. They told my bank I fraudulently provided bank statements for my earnest money check. Which is absolutely wrong. I had the check and everything provided to them.
Consumer complaint received 2016-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Sonnenschein Financial Services, Inc. (IL)

on XXXX XXXX, 2016 I received the enclosed notice from SONNENCHEIN Collection Agency. In that notice I received no validation of the supposed debt but one photograph with of the supposed traffic violation. At that time I wrote the company the enclosed validation letter via certified letter with return receipt, to which they never replied. Shortly after that date as I was periodically checking my credit report, I saw a collection account for {$400.00} and my stellar credit rating dropped by XXXX points! The next day I called the collection agency and they told me " they are not responsible for the mail they sent out. '' I never received anything from the city of XXXX regarding these fines. What is most important is I never got a chance to have a hearing regarding these fines. Additionally, the pictures taken by this red light camera show I came to a full stop before making a lawful right turn. The city of XXXX has also been sued for practices like this in not allowing drivers to have proper notice or options for a hearing. This red light camera, which is located on XXXX appears to not be properly calibrated. I would like the public to know this company, along with the city of XXXX is exploiting a loophole within the debt collection laws. This company is collecting for the city of XXXX and is calling them " fines '' and not debts. Therefore, they think the Federal Debt Collection Practices do not apply to them.
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (CA)

I received a 0 % interest for balance transfer from CITI. After filling up the application and being approved, I proceed to do the balance transfer. Once the balance transfer was completed I received a letter stating the terms of the transfer including a 22.49 % interest fee. I requested a revision of the account, requested evidence of my acceptance of the offer with an interest rate, and CITI is not willing to provide the information.
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We have been requesting a modification since XXXX. We have been jerked around over and over. We have even called the corporate Headquarter to no avail. Our mortgage company is Bank of America. Loan # XXXX. Promise after promised. We have contacted many difference agencies and have been approved under the, ( XXXX and XXXX XXXX ect, which Bank of America has denied all of these programs approvals for us.. We have worked with XXXX for years and every time we got close to being modified, BOA told us we had to drop XXXX in orderr for the to help us and as always we end up in FORECLOSE again, again, again, .They promised if we could not get APPROVED we could use the XXXX program or short sale route to liquidate the property. But as always. Forecloser notices ARRIVED AT OUR DOOR OVER AND OVER AND OVER.We deserve a second chance like everyone else.Why have n't we received ours?
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a Mortgage Loan with a bank, XXXX XXXX. This property was returned in foreclosure in 2013. It still appears as open accounts. They should be closed accounts now. XXXX XXXX went bankrupt and does not exist anymore.
Consumer complaint received 2016-12-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America and their cohorts will wrongfully auction off my home and property via Trustee 's Sale at public auction on XX/XX/XXXX at XXXX - and knowingly so. 
As no determination by an Appeals Specialist of the Bank of America Appeals Department has generated a written decision upon completion of an appeal review and the issueance of the Appeal Report of XX/XX/XXXX granting Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) Trial Payment Plan ( TPP ) to date and since recoding a Notice of Default ( NOD ) of XX/XX/XXXX publically beginning the foreclosure process, Bank of America has been engaging in dual tracking and stonewalling practices for years including, but not limited to, park and stall tactics designed to hold their customers indefinitely in limbo until separation from the mortgaged property occurs. 
To date, I have not been informed of any cancellation of Trustee 's Sale, NOD or the Notice of Trustee Sale ( NTS ) of XX/XX/XXXX by way of the recording of a Rescission withdrawing both the NOD and NTS. 
78 ) Vexatious Solicitation. 
79 ) Negligent Solicitation. 
80 ) Fraudulent Solicitation. 
81 ) Loss of consortium of real property. 
82 ) Loss of consortium of a private home. 
83 ) Civil Rights Violations ( right to exist freely and naturally without fear of retalliation ). 
All previously mentioned resolutions are desired and mandatory.