davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Preferred Lending (CA)

On XX/XX/2016 we closed on a loan with Pure Mortgage and they did not include a final CD with the loan docs and all docs were stamped and pre dated. 
Pure mortgage told me to back date the CD and I told them I could not do that and they forged my signature on the CD so they can sell the loan to XXXX. 
The CEO XXXX XXXX acknowledged that someone forged our signatures and offer to remedy it by firing the person who forged our signature. After I asked for them to run the final CD it showed they were out of compliance and owed me a tolerance cure of {$3100.00} and they stopped payment on the check. 
They also increased our income amount on the loan application. 
Fraud was done in order to complete our loan and the company did not stop there as they forged our signatures on valuable loan documents in order to get a $ XXXX loan sold and they also admitted to that via phone. They did a lot of things that were un ethical and I am attached the supporting documentation.
Consumer complaint received 2018-04-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I bought a home under a VA loan with fifth third bank in XX/XX/XXXX.In XX/XX/XXXX i got married and in XX/XX/XXXX we refinanced the loan with fifth third bank with the sole purpose of adding my wife 's name to the mortgage, this is a fact that was repeated through out the process so there was not any chance of a misunderstanding.On all of the paper work we have from the refinancing my wife and myself and consistently documented as co-borrowers and co-owners as well as requiring both of our signatures. The bank ran both of our credit scores to achieve the loan and my wife 's was higher so they used it to complete the loan.When we discovered her name was left off in the end we contacted the mortgage department at fifth third and they said unless they ran my wife 's credit score that's the only way they can add her to loan and we have that document but they are denying any knowledge of this. When we went to the bank with all of our documents showing both of us were on the refinancing papers as well as credit score ran and in addition a document stating that a notary public was there to verify that we were both in the room to refinance, they simply looked at the documents and said the only way they would correct their mistake was if we refinanced again at a higher rate. We feel like they are at fault and we are demanding that they add her name as originally agreed. We are getting no cooperation from them at this point.
Consumer complaint received 2018-02-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (VA)

I applied to Quicken Loans for a refinance, combining a 1st and 2nd mortgage in XX/XX/XXXX Although I found the process extremely invasive, at first everything went smoothly due to my excellent credit. I was offered a conventional loan which I found acceptable. 
After about 6 weeks, my closing was scheduled on XX/XX/XXXX However, IMMEDIATELY after closing was scheduled, a judgement " suddenly '' appeared against my ex-wife. I had been divorced for 4 years at this point. 
I had submitted a Divorce Decree, and a notarized Quit Claim Deed to Quicken, which clearly removed my ex-wife from all claims to the property. None of this was honored. 
I believe that Quicken knew about this judgement, and colluded with my 2nd lien holder to make it appear, so that I would be pressured in to financing it. 
Quicken then made an offer which required me to pay for my ex-wife 's judgement at closing. I rejected this offer, expressed my extreme distrust, and indicated that I was done with Quicken.

In spite of my rejection of them, and expression of distrust, Quicken then offered me another product, an FHA loan, which was completely unacceptable, and which I outright rejected. 
So, after a mysterious judgement suddenly appearing, and my subsequent rejection of Quickens offers, they send me a letter saying that I was " Denied '' financing due to my credit. 
I rejected them, repeatedly, yet they are reporting that they denied me! Furthermore, they said that they would not report this to any Credit Bureau! 
How is this possible? How are they able to lie like this? 
I have entire email streams that prove they were consistently trying to finance me, and that prove that I flatly rejected them. At the time that they created this fiction, my credit score was XXXX. 
My complaint is that Quicken has lied about the nature of the refinance not happening, and that they knew about a pending judgement, but hoped to use it to their advantage. 
I've attached documents which prove that they created a false pretense for the refi not happening
Consumer complaint received 2018-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

XXXX XXXX  wrongfully applied the annually-recalculated, monthly Revised Pay As You Earn ( REPAYE ) payment for my student loan. As I am in repayment and on the REPAYE payment plan, I should make 12 monthly payments before my payment is recalculated. XXXX applied the newly recalculated payment amount for this year one month early. Instead of 12 monthly payments at the old payment amount, I made only 11. When I called XXXX and brought this to their attention, XXXX said they would look into it. That was over two months ago and I still haven't heard from them. By wrongfully applying recalculated amounts early, XXXX is in effect overcharging student loan holders. Correctly handling student loan accounts should be XXXX 's foremost priority. It appears to me XXXX is failing in handling this responsibility. Please look into this for me. Thank you.
Consumer complaint received 2024-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2018-11-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

On Wednesday XX/XX/XXXX I contacted CMRE who is a debt collector attempting to collect a debt on a medical bill. They left me a voicemail, I promptly returned their call. I obtained the details of the account when speaking with XXXX, and we worked out a settlement of {$210.00}, a discount from the original balance of {$310.00}. In that particular moment, I was not able to complete the transaction as I had to review my finances and ensure that the {$210.00} would not leave me with no monies for the rest of the month since I only get paid once a month. I advised XXXX I would call back within 48 hours and finalize this. Once I called back on XX/XX/2018, I had the unfortunate displeasure of speaking with " XXXX '' who was simply rude, unprofessional, distasteful and insulting. I was at a lost for words at the way she was treating me, talking to me, and flat out intimidating me with her tone and inflection. I tried to reason with her, explain to her but kept get getting cut off by her. She was not wanting to honor the {$210.00} pay off quote I was given and was attempting to co-erce me into paying the full amount. I tried to explain to her I could barely squeeze out the {$210.00} and now she is trying to bait and switch me into the {$310.00} - I could not even get a word out. It was her way or the highway. I'm shocked, upset and frustrated. I never want to deal with this person again.
Consumer complaint received 2018-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I applied for a home loan and was notified by the mortgage company that I have a judgement on my credit report from XXXX XXXX on behalf of XXXX. I contacted XXXX XXXX on XX/XX/2018. I spoke to XXXX XXXX with XXXX XXXX at XXXX XXXX in an effort to determine the validity of this account, as well as the scope of the case/judgement. 

XXXX XXXX advised me to complete their form and send it to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I reviewed the internet to and located a different address. I prepared a letter contesting the account and judgement ( attached ) and mailed a copy, certified USPS signature required to the address XXXX XXXX provided and the one I located on the internet. Interesting enough, the one XXXX XXXX provided me was returned undelivered. The one I sent to the internet address was received by Jay ( attached ). 

I have since received no proof or response to my letter.
Consumer complaint received 2018-11-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (RI)

The XXXX XXXX was started XX/XX/XXXX for {$10000.00}. It has been sold at least twice. I and my co-signer have paid in {$9200.00}. I went into bankruptcy from XX/XX/XXXX to XX/XX/XXXX. 
The loan is now with Navient.. This is a private loan. Navient has accrued the interest during bankruptcy and applied {$640.00} from the bankruptcy administrator toward interest while the court shows principal payments. 
This XX/XX/XXXX ( XX/XX/XXXX ) Navient advised me to take a forbearance and capitalized interest and fees and I paid them {$50.00} to do this. The terms were to start payments XX/XX/XXXX. This agreement was taped., now they say that I missed XX/XX/XXXX and they say I owe an XX/XX/XXXX payment plus a late fee. 
This loan has been handled this way throughout, selling the loan, advising forbearance and capitalizing interest. 
To sum up, after 13 years, paying in {$9200.00}, and a bankruptcy the PRINCIPAL IS {$10000.00} OR {$440.00} LESS THAN THE ORIGINAL PROCEEDS.
Consumer complaint received 2018-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have submitted disputes with Transunion, XXXX, and XXXX about balances and incorrect reporting of student loans and also student loans that do not have contracts. XXXX  and Transunion has refused to dispute these items and did not validate or verify information with the companies but stated that they were valid and updated while none of the accounts were updated or valid. Upon asking for re investigation it was denied although the accounts were never investigated. XXXX investigated the accounts and deleted them because there are no contracts and and are also reported incorrectly/open close dates/amounts/ balances/etc. I am seeking the method of verification from transunion and XXXX as they are not valid and there are no contracts for these accounts. I am adding the disputes so that they can be re investigated validated and deleted immediately. The Credit reporting bureaus Refuses to investigate items but will state in dispute letters that it has been investigated upon contacting the company the companies state that they have not validated or verified any information with the credit reporting bureaus. I have attached the dispute to this complaint
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (FL)

I am writing this after learning that my typical 845-860 credit score dropped to XXXX! You can understand how upset I am to see this occur as a XXXX who has had almost perfect credit scores her whole life. The reason for this credit score drop was a result of a past due delinquency in my credit files that was reported by XXXX XXXX XXXX XXXX XXXX Credit Card. This late payment was due to the fact that I opened up a XXXX XXXX card in XX/XX/2018 for a {$8.00} purchase, actually as a favor to the sales girl making a pitch. I never received a statement and didnt even receive the credit card. I called in XX/XX/XXXX after I saw that something was going on with my credit report as I was advised my credit score dropped to XXXX. The first thought was that someone had stolen my identity, but after pulling my credit report, I saw it was due to a " delinquency reported by XX/XX/XXXX. Of course, I got in touch with XX/XX/XXXX and paid the bill in full, including all late fees, after realizing this situation and advised their representative that this oversight was as a result of not ever receiving a statement. I did not receive a statement for this new credit card. I have many personal and business credit cards as I own my own business so when I dont receive a statement, I do not think there is a balance due. 
As you can understand this late payment reporting for an initial {$8.00} ( yes XXXX dollars ), has adversely affected my credit record which I rely upon as a minority certified business owner in Florida. I sent a letter to customer service requesting a revision of this delinquency as I never received the statement after opening this new account and to date have not even received the credit card. They denied my request. I urge you to please check my credit history and see that I have had excellent credit throughout and see the unfairness from this bank. They have terrible reviews and testimonials that support their poor business practices. I thank you for your consideration.
Consumer complaint received 2018-04-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (NC)

I made a serious mistake by entering into a lease agreement with XXXX XXXX in XXXX NC. XXXX XXXX XXXX. At the time I went to just look around, my XXXX lease was expiring. I defiantly was pressured into this vichle. I am XXXX and the simply wore me out. The went so far as to drive me back to my home with a salesmen to pick up my puppy, so I wouldn't leave and not come back. The said they did not want anything to happen to the XXXX XXXX I was turning in. I was looking for a payment of about 260 . I finally got out about XXXX XXXX that night, with the car. When they sent me to the financial man he gave me all these papers in small print to read. I stupidly trusted him. There motto is Our customers are always for life. Now I know why. They failed to tell me I would get a bill from XXXX for XXXX because I did not buy from them, plus I was billed for some damages on the XXXX. They did not want me to go with the salesmen as I was supposed to do., to get the pay off. The knew I was going to be billed and that would have stopped me from leasing the XXXX. Instead they turned in themselves and a few days later I received a XXXX $ bill from XXXX. Within two days I receive a bill for over 350.00 + . From Hyundai. When I returned to ask about this they never told me I would have that bill as soon as I left wth the car. In addition to that I find the finance man put two warranties on the car. One for maintenance and one for one for Master tech, whatever that is. I was unaware of that. After much haggling they removed the warrantees and gave me a credit. To make matters worse my daughters company closed and she was without a job. She still does not have a job and now has XXXX and it will be 6 weeks before she can even think about it. She has moved out so I have no help from her. Now the payment was impossible. I am behind and they Want to reclaim the car. I will never catch up. I have pleaded with them as I live on SS. It's a constant battle. I returned to the dealership and asked for help. I tried to turn it in and get an older car from them. No never. They want me to lose the car so they can repo it and then sell it cheap and I would be paying for a car I don't have. I am desperate and have no where to turn to. This's lease is now almost one year old so I have two more years of torture unless I die first. I guess I would be out of the lease.
Consumer complaint received 2018-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I contacted USAA to report a deposit that was put in my account on XX/XX/2018, the USAA reps were not able to identify who or where the transfer was from, they then locked my account and prohibeted me from access any of my own money. USAA then told me that it would be 2-3 business before I could have access to my account or my money. I made several phone calls to USAA and went to the XXXX XXXX and no one helped me to get access to my own money, even after I explained that I had no money and I had no other bank account. I explained that I could not wait 2-3 business days to buy gas, food and supplies. Despite the fact that this coming Monday is a holiday and will delay the broken process USAA has in place, nobody at USAA assisted me or attempted to give me access to any of my own money. Pentalyzing the victim is a crime in itself.
Consumer complaint received 2018-11-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

In XXXX I had XXXX and had to have a full XXXX. I was not able to work so I enrolled in college. In XXXX I took out a loan for {$1500.00} to cover the expense of college. After about six months I was not able to continue with my classes due to complications from the XXXX, so I dis-enrolled. I picked up small, odd jobs to try to pay the loan back. My physical complications progressed and got worse so I was not able to hold a job for many years. I have paid a significant amount of money on the loan throughout the years. They have transferred my loan to multiple companies many times, and each transfer I am expected to pay an absurd transfer fee. I am now a low income, XXXX year old on Social Security. Once I pay my bills I do not have enough money to provide for the special diet my doctor requires me to be on. Even after 36 years, and years of wage garnishment, I am expected to pay back {$10000.00}.
Consumer complaint received 2018-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

XX/XX/2018 I was given a refund from an XXXX  seller in the amount of {$49.00}! I have told PayPal I have not gotten the money. PayPal has ignored my request to be called or emailed to find out where that money has gone. 

This is the second incident where PayPal was been given money on my behalf and has not put it into my account, both times the money was coming from XXXX.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

I have had one account with CONN 's that I opened XX/XX/2013. Conn 's has reported this account as five different accounts on my credit report. I just recently checked my credit and CONN 's was showing me past due and that I owed {$350.00} on the account. I have set up payments multiple times to re-occur so that my account would stay current. Here is what I found out after talking with a customer representative with CONN 's and is what I believe is an unfair practice that CONN 's uses to report derogatory information. Conn 's never sends out a past due notice either electronically, by mail, or by phone. You might get a phone call if your account is 90 days past due. Also, when you set up automatic payments over the phone they can only be done for 3 or 4 months at a time which is something that I was unaware of. Conn 's his a high risk granter of credit and I believe they use this practice to keep peoples scores low so they will have repeat business. I myself have received several offers to increase my credit by mail but not one late notice. Please Help!
Consumer complaint received 2024-10-12
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Sezzle Inc. (CT)

XXXX / XXXX XXXX XXXX reporting is inaccurate : My history with the company CONGRESS CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report! They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have 10 calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for!. Defamation of character 2. Negligent Non - Compliance 3. Civil Liability 4. XXXX XXXX 5. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 DID YOU FILE A 1099 c?
Consumer complaint received 2018-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MA)

In XXXX of 2018, the my Direct Stafford loans were transferred to XXXX XXXX   because I submitted an employment certification for the Public Service Loan Forgiveness Program. I was informed that once my loans were transferred, it could take up to ninety days for XXXX XXXX to certify the number of qualifying payments I had made towards Public Service Loan Forgiveness. I did not hear anything within ninety days, and emailed XXXX XXXX in early XXXX asking for an update. After approximately three and a half weeks, I had not received a reply to my email, beyond a notification that it had been received, and so called XXXX XXXX. I was told in my conversation with a representative of XXXX XXXX that certain information required to certify my number of qualifying payments had not been received from my priorservicers. The representative was unable to tell me exactly what information had not been received, whether only some or all of the required information was missing, or provide me with any time frame for when this issue would be resolved. 

I need to understand XXXX XXXX 's position on the number of qualifying payments I have made towards Public Service Loan Forgiveness as soon as possible, so that I can address any problems XXXX identifies or any mistakes that XXXX makes in its calculations. XXXX XXXX is the Department of Education 's worst performing loan servicer, see https : //studentaid.ed.gov/XXXX # XXXX. It has not proven in the past that it is capable of effectively administering the Public Service Loan Forgiveness program. Experiences like mine -- where XXXX can not in a timely fashion provide basic information about the number of qualifying payments I have made, and therefore my eligibility for the program it is in charge of administering -- only serve to further undermine confidence in its abilities.