davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

A loan modification packet was submitted to your office on XX/XX/XXXX. Per your office the only document needed was a quick claim deed. Several calls were made to your office and a divorce decree was never requested by your office. Your office stated on XX/XX/XXXX. That a letter was sent to our office on XX/XX/XXXX. Your office confirmed on XX/XX/XXXX that you erroneously sent the letter to the wrong address. therefore providing no notice to the client that a divorce decree was needed. Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NC)

I went on XXXX XXXX and started purchasing airline seats. A pop-up on XXXX XXXX website offered me an XXXX XXXX XXXX XXXX XXXX XXXX credit card with XXXX miles and a {$50.00} credit on my next bill if I would apply to the card and use it to but the tickets, with the condition I spend over {$3000.00} on the card within the next three months. I have spent over 4k in less than two months so I called Citibank and asked how long it normally takes before I received my miles. I was told by the Citibank rep that I had a previous XXXX card 1 year and 51 weeks ago and that I was disqualified because It had n't been more than 2 years. I 'm very upset that I was solicited online and approved immediately for the card without the two year term being mentioned. If I had known, I would n't have applied for the card and used one of my cash-back credit cards. I feel this is a very deceptive practice especially since I was solicited with this offering on XXXX XXXX prior to purchasing seats.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I called XXXX and told them that we 're fraud charges on my account I did not fill out for credit cards or auto loans they would n't delete them ask to speak to a supervisor they hung up in my face.
Consumer complaint received 2017-08-16
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA (OR)

I became XXXX in XX/XX/XXXX and notified MOHELA, the company holding my loans ( {$58000.00} ; {$8800.00} and {$5200.00} from XXXX ) that I was no longer working and dependent on food stamps as I applied for XXXX. The customer service agent, XXXX, said I would be placed on zero payment due status because I was receiving food stamps. I began the process for permanent dismissal of the loans through XXXX. Over the past two years ( it has taken over 4 years to qualify for XXXX because I have severe XXXX at least 4 days a week and suffer from XXXX XXXX/XXXX ), MOHELA representatives began calling, sometimes twice a week. I notified them that I was still on food stamps awaiting XXXX and was forced to allow a friend to live in the home I had rented since I could n't afford the payment, and lived with different friends ; therefore, I did not receive communications from MOHELA. On XXXX XXXX, I called MOHELA and spoke with XXXX, to let her know documentation had been submitted to the Dept. of Education/XXXX to dismiss my loan permanently. Although she initially indicated she would correct the delinquent payment indications on my credit report since my circumstances had not changed until I was approved by XXXX ( though still waiting for payments ) ; she indicated I would have to complete another form for them because dismissal by XXXX could take up to 120 days ( I submitted all required documentation to them XX/XX/XXXX ). Then she told me she would not make the corrections to my credit report ( which have dropped my FICO score 200 or more points ). I am afraid to sign anything from MOHELA after this experience. I simply want MOHELA to remove the delinquent payment indications on my credit report because of the financial hardship I was suffering for the past four years ; I am XXXX XXXX ; and I was not in the home to receive communication from them.
Consumer complaint received 2017-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: QUALITY ACCEPTANCE LLC (NV)

I have been fighting this for quite some time against QUALITY ACCEPTANCE and XXXX XXXX. The issues are huge and plentiful. And at no point has other company done anything to fix issues. I got a letter from NEVADA GOVERNOR OFFICE who found my issues and complaints to be accurate. The Governor office sent the issues to CONSUMER AFFAIRS in NEVADA to assist in my issues. I spoke to CONSUMER AFFAIRS who indeed found my complaints and issues to be more than valid, they have recently submitted my complaints and issues about XXXX XXXX and QUALITY ACCEPTANCE to DMV INVESTIGATORS and DEPARTMENT OF BUSINESS AND INDUSTRY on behalf of the GOVERNOR OFFICE and CONSUMER AFFAIRS. Not only are the issues huge, but XXXX XXXX at QUALITY ACCEPTANCE called an officer of the law and said I was calling and texting her threatening things. I did email QUALITY ACCEPTANCE never here specifically, but in my letters I did express extreme anger and hoping XXXX found guilty and sent to prison due to fact she has NEVER returned a call and her letters to me are XXXX, cross and never ever does she discuss the issues. And I did use the XXXX word. But, I did not call a cop and make illegal statement like she did and I do not try to cover up a crime. XXXX XXXX And QUALITY ACCEPTANCE committed these issues TO NAME JUST A FEW : Lied to make a sale saying they would change high interest rate a year later just to make a sale, used unethical business practice to make a sale, charged a high interest knowing we were victims of a huge robbery and identity theft when the prior car we obtained from them was only % 4 verses the now % 19.95, on paperwork put the {$2000.00} deposit, and bunch of other items in the final payment, where we were to pay {$12000.00} for the junkie fifth rate car they dubbed sold us, the put the overly high and gross interest rate on over {$15000.00}, with the down payment and everything else the car ended up costing over {$19000.00} for a car that only cost a little over {$14000.00}, called repeatedly after called manager to warn them they were breaking FTC commission laws ( BUT CALLED REPEATEDLY AND WAS AGGRESSIVE FOR NO REASON, after a year of making payments found out XXXX XXXX illegally lied about saying they could lower interest rate so turned car in upon turning the car in QUALITY ACCEPTANCE NEVER CONTACTED US TO LET US KNOW WHETHER OR NOT WE WANTED TO BUY THE CAR OUT RIGHT OR TO LET US KNOW IT WAS GOING TO AUCTION, on top of that QUALITY ACCEPTANCE FLATLY REFUSES TO SEND A SALES SHEET OF HOW MUCH THE CAR ACTUALLY MADE AT THEIR ILLEGAL AUCTION, ON TOP OF THAT ON TOP OF THAT ON TOP OF, QUALITY ACCEPTANCE IMMEDIATELY SENT OUT THREATENING LETTER ABOUT SUING WHICH THE LAW HAS VERY SPECIFIC LAWS ABOUT THREATENING CONSUMERS WITH SUING ( A COMPANY MUST SUE IF THEY ARE GON NA SUE NOT SENDING THREATENING LETTER AFTER LETTER ESPECIALLY WHEN QUALITY ACCEPTANCE FELT THEY COULD BULLY AND HARASS US SO WE COULD LINE THEIR POCKETS WITH EXTRA EXTRA MONEY )
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: TD BANK US HOLDING COMPANY (TX)

I opened a nordstrom account in XX/XX/XXXX before account changed in XX/XX/XXXXand did not receive notice. When using this card in XX/XX/XXXX transactions were reversed without any notice account was closed and Company open new account just to close it in XX/XX/XXXX terms and condition. Company will no longer give me original XX/XX/XXXX terms and conditions.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have sent multiple letters to Experian with regards to the XXXX that is reporting on my credit file. I have informed them on a number occasions that this is not my account. But have not had any success in getting them to remove this account from my credit file. I am in need of your assistance in getting this matter resolved.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I recently checked my credit profile and realized there are some accounts that I am unfamiliar with and alot of accounts that are reporting incorrect information. I have never gave written consent or permission to report to my credit profile and I have contacted the credit companies and the credit bureaus to seek the documentation that shows I gave them permission to report to my consumer profile. By law that is Aggravated Identity Theft 18 U.S. Code 1028A These companies are also reporting inaccurate information across all 3 bureaus. Dates opened, dates closed, and other things are not the same dates or numbers across all three credit bureaus.
Consumer complaint received 2017-08-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP (MI)

This is also included In complaint XXXX. It only has US Bank listed as whom I am complaining about. But I really think it is more XXXX XXXX that has a problem. So I 'm trying to get them listed also. I have also filed a complaint with the Attorney General office Complaint # XXXX On X/X/17 My husband ( XXXX XXXX ) received a call from a documents server stating that he had documents that my husband must be home to sign he then gave another phone number for us to call XXXX with a file number of XXXX. He included me ( XXXX XXXX ) on the call to a " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Case manager XXXX XXXX. She claimed that he had an overdraft now worth over {$2000.00} ( never gave us the original amount ) for US Bank. He never opened an account with US Bank, but was concerned that maybe his ex-wife had, under his name. The debt was over 10 years old, but he felt we should pay it. XXXX XXXX gave us specifics about his social security and an old address. Never gave us proof that he actually owed the debt, but told us if we paid {$100.00} a month, in biweekly payments she could reduce the debt to {$1500.00}. That this would avoid any legal action being taken against us. That if we signed the agreement that day and provided a picture of my debt card and my drivers license that she would set up a " stipulation of settlement '' agreement. We agreed to do this, but I felt the picture of my debit card and drivers license was strange. I did give them to her and did sign the agreement. Which supposedly releases me from being able to take any kind of action or disagree with the debt. They also made a withdrawal from my account for {$50.00}. We looked up his XXXX XXXX report and they were not on there, nor on any of his credit reports ( we checked all 3 ) when confronted with this information, XXXX XXXX explained that was because we had not disputed the debt. When I spoke with my bank, they said it should have been on there if it had been in collections for the last 5 years and that they should not have had me send a picture of my debit card and license. I have since looked up the company, number, person and looks like a total scam. I have closed my debit card and had a new one reissued. XXXX XXXX XXXX ( XXXX ) XXXX are still calling us and all our family members and giving us a new number to call XXXX and case number XXXX. When we called on that nothing could be found.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

1. Equifax was hacked mid 2017 and did not properly secure confidential information for over 143 million Americans.
2. Management found out the issue and dumped stock prior to disclosing the hack. 

3. A poorly created website was set up to " help '' people who could be affected by this hack. However, as this website it not connected to their servers it is easy copied and turned into phishing sites which will compromise even more people. The website also attempts to squeeze out of arbitration through " implied consent '' through use of the provided XXXX XXXX coverage.
Consumer complaint received 2017-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

Our client has been attempting loss mitigation with Wells Fargo for several months now. However, Wells Fargos ( WF ) conduct has been in violation of servicing laws and standards as more particularly described below.
AFFIDAVITS FROM PERSONS WITH FIRST-HAND KNOWLEDGE Being filed along with this Complaint are affidavits from persons with first-hand knowledge of the below referenced falsehoods and loan servicing violations by Wells Fargo ; those affidavits contain additional details.
MAKING FALSE STATEMENTS ; FALSLEY AND INACCURATELY DOCUMENTING MORTGAGE LOAN SERVICING AND LOSS MITIGATION FILE On XX/XX/XXXX, we submitted a request for ongoing loss mitigation with the required documentation to WF. It was our understanding that this application was complete. On XX/XX/XXXX, one day before a scheduled foreclosure hearing, WF contacted us and stated that a representative from WF called our office on XX/XX/XXXXand informed us that additional documents were needed for the loss mitigation application. That statement was completely false ; no one from WF contacted our office on XX/XX/XXXXand, until the call onXX/XX/XXXX, no one from WF contacted our office to inform us additional documents were needed.
OnXX/XX/XXXX, our office received a letter from WF datedXX/XX/XXXX, that stated WF contacted our office onXX/XX/XXXXto discuss re-entry and the person from our office who answered the phone refused to take a message. This is yet another false statement by WF. In fact, our office contacted WF on XX/XX/XXXX, confirmed the loss mitigation application was received, and was informed that the documents were being sent to 2nd level for review. At no point did anyone from our office receive a call from WF on XX/XX/XXXX. Additionally, under no circumstance would anyone from our office refuse to take a message regarding a client file.
MOVING FORWARD WITH FORECLOSURE BASED ON FALSE STATEMENTS AND DESPITE COMPLETE LOSS MITIGATION APPLICATION WF closed the loss mitigation evaluation file within a few days of the supposed call to our office informing us of the need for additional documents. Even if such a phone call had occurred which it did not loss mitigation guidelines do not set forth a deadline of a few days for borrowers to provide requested items or risk the loss mitigation evaluation being closed down. The complete loss mitigation application submitted to WF on XX/XX/XXXX included the income documents required by WF ( which WF is again requesting ).
WF has failed to comply with federal and state rules and guidelines relating to servicing and foreclosure by failing to provide loss mitigation assistance when requested, and instead moving forward with foreclosure.
WF is using the above-described false statements and documenting of the mortgage loan servicing and loss mitigation file as a bad faith pretext to move forward with foreclosure and to cease loss mitigation evaluations.
Consumer complaint received 2017-08-16
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. (GA)

I submitted a dispute with XXXX and TransUnion last year to remove a paid tax lien along with supporting documents, they did not remove the lien. On XX/XX/2017 I called XXXX and Transunion due to the new law in effect XX/XX/17 re : tax liens, i was advised by the reps at each CB that the tax lien would be deleted from the file by the end of XX/XX/XXXX because under the new law any public record data must include name, addr, dob, and ssn in order to be reported and mine is missing the ssn. The CB has not updated my file as of today XX/XX/2017.
Consumer complaint received 2017-07-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TCF NATIONAL BANK (IL)

I attempted to contact the bank as the charge they approved was not authorized and they charged me {$230.00}. I would like this resolved asap. This put a major setback in my life and I feel taken advantage of in this situation and by the bank.
Consumer complaint received 2017-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I called this company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This was allegedly for expenses after I moved out of the apartment at XXXX XXXX. After 4 months of requesting debt validation, I received the contract and the alleged invoice. I called the company and informed them that the invoiced items could not belong to me. According to the lease that was provided to me by the debt collector, the terms began on XX/XX/XXXX through XX/XX/XXXX. The lease was signed on XX/XX/XXXX. The invoice is charging me for items before my lease began and for items that were not done when I was in the apartment. I am being charged for items done on XX/XX/XXXX to XX/XX/XXXX when my lease did not begin!! When I moved in the apartment, it was already painted and cleaned. How can I be charged for painting that allegedly happened when I already moved in? No painting occurred while I was in the property. They are charging me for unit not cleaned on XX/XX/XXXX when I was already in the apartment! They are also charging me for early termination fees of two months and a half when I left the apartment 2 days before my lease ended! I called the debt collector three times and they said they were contacting XXXX XXXX and they never answered my calls. I explained to the debt collectors how is it possible that painting occurred when I was already in the apartment and how can the apartment be cleaned when I was in the apartment? I told them they had the wrong person and they refused to answer my calls and tell me what XXXX XXXX said. This is not my bill and I refuse to pay it. This is damaging my credit report and hurting my chances of purchasing my home! I need this deleted! It is not my bill!!!!
Consumer complaint received 2017-08-16
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. (GA)

I submitted a dispute with Equifax and XXXX last year to remove a paid tax lien along with supporting documents, they did not remove the lien. On XX/XX/2017 I called Equifax and XXXX due to the new law in effect XX/XX/17 re : tax liens, i was advised by the reps at each CB that the tax lien would be deleted from the file by the end of XX/XX/XXXX because under the new law any public record data must include name, addr, dob, and ssn in order to be reported and mine is missing the ssn. The CB has not updated my file as of today XX/XX/2017.
Consumer complaint received 2017-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NJ)

for the past 3 months I have dealt with numerous customer service representatives. more than one has told me incorrect information and they are all on different pages. I was told if I make a payment of XXXX and signed up for automatic debit my account would be brought current by two different representatives which I can provide dates for. after each time a week later someone calls to tell me that the payment arrangement is not going to work and to call them back to keep going through the cycle. I keep telling them I can not afford to pay them a XXXX dollars to make the account current I can only afford my monthly payment of XXXX while they keep playing around my account goes further and further past due. I 'm frustrated and no one in customer service seems to know what they are doing.
Consumer complaint received 2017-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

XXXX 2015 : I contacted USAA checking dept. and requested bank statements from my checking account. Unknown to me, the statements were available as saved documents on the USAA website. The customer service rep. did not inform me that the statements were available to me and said that there would be a charge for researching and copying the statements and a charge for mailing them out to me. Without knowing and not being told by the customer service rep that I already had full access to the statements that I was requesting, I reluctantly agreed to having USAA charge me to provide the statements for my checking account. XX/X/2015 : I was charged {$1000.00} for a " research and photocopy '' fee. XX/X/2015 : I was charged an " expedited '' mailing fee. XX/X/2015 : I was charged an additional {$120.00} for a " research and photocopy '' fee. After seeing the amounts of the automatic withdrawals from my checking account, I contacted USAA customer service and asked why the fee was so large. The customer service rep told me that they did not know why I was charged because all of the statements that I had requested, were available for me to view AT NO COST on my USAA website and was sorry that the previous customer service rep was wrong in not telling me this fact. I immediately asked for a full refund of the funds that were automatically taken from my checking account and was told that USAA would not return the funds. This is the ultimate in deceit and fraud.