davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (FL)

In XXXX 2014 I attempted to obtain a verification of this debt that was reported on my credit report. They responded that they atempted to send me notice, albeit I never received any such notice. I offered them my current address to further substantiate the debt they say I owe. To date, I never received any further corrospondance and when I called them today to follow up, I was told that the account is in " dispute ''. Well, it has been in dispute since XXXX 2014. They state I owe {$2900.00} which I was informed is inflated due to interest however when I asked what interest they could not verify the charges, just that it has been 5 years worth. Per the FDCPA, i am entitled to know what charges I owe. LVNV has concluded they have complied with the FDCPA 's regulations however just saying that they have is not proof of their due diligence to satisfy my request. I am once again requesting proof of the calculations supporting the debt amount, The original creditors contract with my signature or a certified copy and a letter of assignment of my debt from the original creditor.
Consumer complaint received 2015-07-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (SC)

My complaint is related to NSF fees on checking accounts. My account is at Wells Fargo, but I know there are other banks that have adopted this same practice. Several years ago, they changed the way items post to accounts for no other reason other than to maximize the fees. They purposely post the largest item first, so that the more items will be NSF. For instance - a customer has {$100.00} in their account. XXXX items are presented for payment. XXXX items for {$90.00}, XXXX items for {$15.00} and XXXX item for {$20.00}. By posting the {$90.00} item XXXX, they are able to collect XXXX NSF fees at {$35.00} totaling {$100.00}. If the posted the itmes from smallest to largest, the only NSF fee would be for the {$90.00} item ( {$35.00} ) so they XXXX the fees. My college student daughter had XXXX NSF fees ( {$100.00} ) for items on her debit card which totalled less than {$20.00} because of this practice. While I recognize that it is the account holders responsibility to keep track of their balances, this seems to me like legal predatory lending. They continue to take advantage of the people who can least afford it. They are now " fee driven '' rather than making money on " spread '' and they have ablsolutely no scruples about how they do it.
Consumer complaint received 2015-05-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BBVA FINANCIAL CORPORATION (CA)

I called BBVA Compass Credit Card services to pay my credit card to XXXX and close my account. They informed me that they do not know how much I owe, and they can not calculate the accrued interest for me to pay it off. I was confused and asked how do I pay off my account and close my card, they said you can do that by phone. I said, I am on the phone, what do I need to pay this off? He continued to state he can not calculate the interest for me to pay the card completely to XXXX. So now I have a credit card I can not close nor pay off? Please Please help, I am poor and unemployed and this is scary situation that I have a Credit card that I can not pay off due to a company that gives me the run around.
Consumer complaint received 2015-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

We took out a loan. We noticed that our principle reduction over-payments were credited to future monthly payments. I went to the branch, spoke to an officer who told me that he would fix the misapplication of the over-payments and rightfully classify them as principle reduction. As the payments are auto paid from a savings account at the same bank I did not examine a statement until over a year later. At that time we saw that our payments were applied until XXXX. I went into the branch where we took out the mortgage, spoke to the manager who did not understand the misapplication and fixed the issue. 
However the bank has not been transparent about the way it reapportioned the interest. I requested several times that they send me a statement showing that if they applied the principle reduction correctly, the interest paid each month would go down slightly every month, which is not shown that way on the statement they sent. 
After XXXX months and several emails with the branch manager and several calls to the mortgage department they have not responded to my request. I request that USBank provide a statement transparently showing my payments and interest paid in the format as follows : DATE BALANCE PAYMENT PRINCIPLE REDUCTION INTEREST BALANCE as this is the way all financial institutions show history.
Consumer complaint received 2015-11-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (NM)

I had a car payment with Credit Acceptance Corpration. I was never late for years until I got a job transfer to New Mexico. The Credit Acceptance Corpration did not help me they made me feel I was a dead beat consumer. They finaly repo the car because I didnt want it anymore because there poor customer service and i paid them over {$10000.00} in intrest and fees and I still owe {$8000.00} and the car is only worth {$4000.00} I feel this is unfair and want them to renegotate the terms.
Consumer complaint received 2016-01-27
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

I, my brother, and my daughter ( on my phone ) recieved threatening phone calls from a supposed law office representing ACE Cash Express, that if I did not pay that I would be charged with attempting to defraud a financial institution. The phone caller said specifically on each message that I would be charged with fraud. That is defamation of character and illegal collection practices. When I did call them to try to make arrangements, the man on the phone was disrespectful and again threatened me with a felony for not paying a debt.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2015-09-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NV)

I BELIEVE THAT MY ACCOUNTS AT THE WELLS FARGO BANK HAVE BEEN UNLAWFULLY USURPED AND DEVALUED. I WOULD LIKE TO ENSURE THAT NO MONEY IS LOST EVEN AT BANK CLOSURE. I AM HOPING THAT NO MONEY IS LOST DUE TO TRANSFER, TRANSPORT OR ANY MOVEMENT ON THE CASE.
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ad Astra Recovery Services Inc (LA)

I file chapter XXXX bankruptcy on XX/XX/XXXX. It was dismiss on XX/XX/XXXX, the case was reinstated to a chapter XXXX on XX/XX/XXXX. My case was discharge on XX/XX/XXXX. I keep calling and mailing my bankruptcy case information to this company, and they failed or wo n't updated my credit report with XXXX to reflect the correct information. This company just did a update as of XX/XX/XXXX to collect on this account still showing a open collection on XXXX and XXXX.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

In XXXX of XXXX, I was approved for a {$600.00} personal loan by the XXXX XXXX XXXX XXXX of XXXX, NJ. I paid the loan off in XXXX of XXXX, the final payment being a little over XXXX days past-due. That is how the account was reflected in my credit reports, until XXXX of XXXX, when all of a sudden, it started showing I was past-due XXXX days. The dispute number I cited above, which was for a dispute with Equifax, is one of several disputed I have submitted since I discovered this on my credit report. Each dispute has been to NO AVAIL. The continue to report the offending information and I keep hearing the same excuses from the credit union and the credit bureaus. The credit union says they took the necessary steps to remove the item and the credit bureaus INSIST that they only report what the credit union submits to them. I do n't know who to believe. By now, I am thoroughly frustrated with this highly impersonal and anti-consumer process, which has proven to me how powerless we are in situation like this. I need someone to SUPERVISE the provess, on BOTH ends, so this can finally be resolved. This has affected my ability to get cheaper credit, apply for work, or apply for an apartment rental. I am appealing to you as a last effort before I seek legal representation, although I feel I should n't have to. THIS IS A STRAIGHFORWARD CASE. What they are reporting is INCORRECT, and is damaging my credit score by approximately XXXX points!! Please investigate this and help me resolve this.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC (NY)

The reason for my complaint is that I have been a victim of identity theft and apparently XXXX XXXX Bank, XXXX Bank, and XXXX XXXX XXXX. These institutions have reported Fraud Activity to Early Warning Services and this has prevented me in being able to open a checking account. I contacted Early Warning when directed to them with my Financial institution that brought to my attention the reporting that is showing on the early warning report. I need this removed from my early warning file. I have provided and attached a police report that has been filed with the XXXX County Sheriff 's office. I am asking for this to be removed immediately.
Consumer complaint received 2015-07-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (OH)

I filed a complaint " Qualified Written Request '' on XXXX/XXXX/2015 and received no response what so ever. Not even an acknowledgement of receipt from Citi Mortgage in reference to my escrow account and the illegal holding of my mortgage payment As per fax receipts all papers where received at the number given to me by Citi XXXX. supervisor. 
Please see attached documents for entire explanation.
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (IL)

I 'm trying to perform a trivial operation - temporarily lift a security freeze on my credit report. However Experian 's website is not working correctly ( it repeatedly gets stuck at " loading '' ). When I call them, I get an automated phone tree with limited and inappropriate choices. I can not speak to a real person to perform this trivially simple operation. This is wasting an enormous amount of my valuable time. This company makes money from me therefore it should be more accountable and responsive. I strongly support heavy federal regulation to ensure this happens. Please tell me what I need to do to cause this to happen.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently ordered copies of my credit everything looked good until I saw all thrse hard inquiries that was not mine I instantly called and had these disputed XXXX and they put a fraud alert on my credit report I then contacted XXXX and went through the online process of disputing these inquiriesin they just sent me an email saying to contact the creditors who furnish them with the information which I did before in they told me I need to take that up with the credit bureaus I also tried calling transunion to dispute the inquiries in everytime im met with rude people that give me fake names transfers me all over the place even people hanging up so right now I dont know what to really think or do I was advised by XXXX to contact consumer financial since I was having such a hard time getting someone to help its always that stigma guilty until proven innocent
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (CT)

XXXX XXXX, XX/XX/2015RE : XXXX XXXX XXXX Loan # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXXConsumer Financial Protection BureauSir/ Madam : Good morning from XXXX XXXX XXXX Connecticut and thank you for reading this. 
In the effort to pay off our total mortgage balance of {$6500.00} XX/XX/XXXX, we made an additional payment of {$2000.00} to the $ XXXX amount for Escrow we were told was short, with a note requesting that the extra {$2000.00} be applied to the Principal. 

Days later, I contacted Suntrust over the telephone and inquired what the balance was so we can proceed with paying off the total mortgage expecting the amount to be {$4500.00} because of the {$2000.00} additional that should have been applied to the principal. 

I should point out by the way that we are enrolled in their automatic monthly payment. 

In any event, during that telephone conversation, I was informed that the amount was still {$6500.00} and when I asked how that could be, when we had made an additional {$2000.00} extra to the principal, she said " let me put you on hold and I 'll check '' and shortly thereafter said yes it should have and then apologized and assured me that it would be corrected immediately. 

Believing what I was told I waited several more days before contacting Suntrust again and to my astonishment was informed that the amount was still the same ( {$6500.00} ) and when I asked how that could be since I just spoke with someone days before and was assured it would be corrected, she apologized and said it would be done and to call back after XXXX days. 

I did XXXX more times after that. 

Over all and in a span of a month and a half at which point I have made XXXX ( maybe even XXXX ) telephone conversation with a CS representative, I would essentially be told the same story. 
That they are sorry and it would be corrected immediately. 

In fact sometime early this month I was contacted by someone at Suntrust who told me to request for an " escalation '' to resolve the problem. Imagine that. 

Considering Suntrust is a XXXX dollar corporation this unusual " mistake '' can not be coincidental, which prompted me to write to their CEO accusing his company of engaging in fraudulent practice because maximizing the interest payment is about the only sensible conclusion that would explain what we had encountered. 
Sincerely, XXXX XXXX ( I am the husband )
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

I made extra principal payments on my mortgage and my loan servicer did not apply them to principal and just pocketed the money. My loan was in the bi-weekly payment program since XXXX of XXXX. In reviewing the payment history I received from Ocwen Loan Servicing, it was determined that the XXXX XXXX, XXXX and the XXXX XXXX, XXXX payments were not applied totally to principal per the terms of the bi-weekly payment program. 
In researching my loans payment history, it was also determined that the XXXX XXXX, XXXX payment was not applied totally to principal per the terms of the bi-weekly payment program. 
In addition, when the loan was assumed by OCWEN, an additional {$1300.00} was added to the principal balance. This amount was equal to the bi-weekly payment amount, and OCWEN has never explained why they increased the loan balance by the amount of the bi-weekly payment. 

I calculate that Ocwen owes me {$3600.00} based on the calculation belowXXXX : payment of : XXXX applied to principal : XXXX applied to escrow : XXXX balance due : XXXX payment added toprincipal balance : XXXX : payment of : XXXX applied to principal : XXXX applied to escrow : XXXX balance due : XXXX : payment of : XXXX applied to principal : XXXX applied to escrow : XXXX balance due : XXXXPrincipal reduction after properly applying paymentsto principal balance XXXXOcwen indicated that the final loan balance at the time of payoff was {$340000.00}. This does not match a standard loan amortization schedule with all the additional principal payments properly applied which indicates a final loan balance of {$340000.00}. Which results in a difference of {$3600.00}, which confirms the above. All additional principal payments made can be documented through either loan or bank statements.
Consumer complaint received 2015-07-09
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (KY)

On XXXX XXXX, 2015, I applied by telephone to Citi for the Double Cash Back Credit Card and was rejected. The reason for rejection that I was given by a " supervisor '' was that my annual income was too low, as dictated by the Federal Card Act Ability to Pay provision. I well recognize that I have a very low income, but I think that I was given a one-sided look at my credit worthiness. The XXXX intake worker did ask the amount of my rent or mortgage payment. I told her " XXXX '', since I own my home. They did not ask any other financial questions -- assets or debts. Had they, I would have told them the following : I own approximately XXXX acres of land, have XXXX ownership in another home on the land, have a CD at a local bank, and money in my checking account at XXXX banks ( XXXX in XXXX KY and another in XXXX KY ). I have no debts. Also XXXX or XXXX times I told the Citi employees that I am in good standing with XXXX credit cards ( XXXX and XXXX ) for which I have always paid my balance monthly. I offered to give them my account numbers. They did not want this information. 

In my later reading a bit about the Federal Card Act time and time again was the statement that any credit card issuer must do " a review of the consumer 's income or assets as well as current obligations ''. Thus I think that I was not treated fairly by Citi in my telephone application process for their Double Cash Back Card.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IA)

We applied for a home mortgage and our application came back with serious delinquencies and other issues on both my wife 's and my Credit Score Information that was provided by Experian. They are the only agency that reported any issues, none from XXXX or XXXX. 
I went to the Experian website and entered all the information, including my SSN and then was left with a blank webpage with no options and going back in the browser deleted all the sensitive information I had just provided to Experian. They have no way to contact them by phone as every number defaults to the same voice menu. 
My complaint is that I/we have always have excellent Credit and these Experian reporting 's are not just incorrect they are a serious consumer abuse that they have the right to damage consumers confidence in the Credit reporting system and the arrogance to be out of contact when their website does not work.
Consumer complaint received 2015-06-02
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: General Motors Financial Company, Inc. (UT)

XXXX XXXX called me on XXXX/XXXX/2015 collecting for GM financial I explained to them the the account with GM financial was over the statue of limitations for collection XXXX XXXX explained to me to send them a validation letter and she would send the file back to GM Financial. I received the letter from the company on XXXX XXXX,2015 and sent a validation of account to XXXX in the meantime they inquired on my credit with all XXXX bureaus on XXXX XXXX,2015 after I spoke to them over the phone and put them on notice when I called them XXXX XXXX, 2015 to confront them they told me that GM financial gives them authorization to pull my credit. I did not authorize XXXX to pull my credit and GM financial account is null and void due to statute of limitations.
Consumer complaint received 2016-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX XXXX, XXXX FRAUD ALERT. 
Re : Respectfully Request an Investigation on the following : Failure to Disclose and Misrepresentation of Fact On XXXX XXXX, XXXX, I purchased a home and upon having the water turn on I was informed that the house is sitting on a Septic Tank. I contacted the XXXX XXXX XXXX XXXX and confirm the fact and emailed a diagram over where it is located The listing agent listed the property as public water and sewer. I had a certified inspector to come out that fail to inform me of the septic tank and my agent fail to do her job. 
I attempted to resend the sale and my credit union that is refusing to resend. In addition I did n't received paper work to resind the loan and my right to have the septic tank evaluation. 
I was defraud by my agent, the seller and the inspector. I believe that it is that there is something wrong with the septic tank and possible sitting on some sort of sink whole. A could cost from XXXX, I also discover that in XXXX, there was a {$13000.00}, insurance payout on the property. I also believe that listing agent possibly are selling these foreclosures with major home repairs and leaving the consumer with the bill and possibly foreclosure. 
In XXXX of XXXX, I live in a house where the septic tank back-up and sewage came back into the property my property was damaged and the landlord refuse to help me. I moved out and living with my sister to save to purchase a home. 
I contacted the Consumer Protection Bureau stated that I have three-years to resend the sale because I was n't in the disclosure papers. My agent text me and ask if I wanted to sell the home. I 'm XXXX and the happiest day of my life is now the saddest. I was scam Buyer Agent - XXXX XXXX XXXX XXXX XXXX - XXXX, GA XXXX XXXX XXXX Listing Agent/Broker XXXX Real Estate XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX - Certified Home Inspector XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX Navy Federal CU - XXXX Property : XXXX XXXX XXXX XXXX XXXX, GA XXXX