davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-19
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Guild Holdings Company (WA)

On XXXX XXXX, 2014, XXXX XXXX of Guid Mortgage issued a Pre Approval Notice ( attached ) to XXXX XXXX and XXXX XXXX. The Pre Approval Notice was issued to aid in purchasing a pre-existing or new home. The Pre Approval Notice was issued for a Loan Type of a FHA XXXX Fixed. This allowed XXXX XXXX and XXXX XXXX ( borrowers ) to purchase a new home to be constructed by XXXX XXXX XXXX XXXX. In mid XXXX 2014, the borrows were told by XXXX XXXX if Guild Mortgage Company, they did not qualify for a FHA 30 Year Fixed loan due to already having a FHA XXXX Fixed Loan on their existing home they were living in. The buyers were told they must sell they home to qualify for the new home being built. This was the XXXX the buyers had heard anything about having to sell there home to qualify for the one being built by XXXX XXXX. In fact XXXX XXXX XXXX had a policy of not building homes if the buyers had a home contingent upon selling. Therefore, the building would have never been initiated without a the Pre Approval Letter stating we qualified for a FHA 30 year Fixed loan. There were no pre conditions listed we would have to sell our existing home. We had given the title company {$14000.00} in earnest money to build the new home. If we attempted to terminate the contract we stood to loose the {$14000.00} and possibly more. We finally qualified ( with a couple of weeks or less before closing ) for a conventional loan and would have to carry both the old and new mortgages unless we were able to sell the existing home. In order to qualify for the conventional loan, we spent {$6000.00} from savings in an attempt to qualify and keep our automobile. This process did not work. So we had to sell our automobile back to the dealership for a {$8000.00} loss and we had to pay approximately {$5000.00} extra in closing costs so our debt ratio would satisfy the underwriters. We still have not sold our old home and have been paying an extra mortgage payment, utilities, etc.. We have lost an additional {$4200.00} dollars and are in the process of selling the home. To sell the home we had to lower the price to a point where we will be losing approximately {$18000.00} to close the deal. 

None of this would have taken place had Guild Mortgage Company and XXXX XXXX XXXX been honest and issued the correct Pre Approval. Recently, ( within two weeks ) I called and talked to XXXX XXXX and asked why he did not know we did not qualify for XXXX FHA loans. He informed he did know and the only reason he wrote the Pre Qualification Notice the way he did was due to XXXX XXXX of XXXX XXXX XXXX telling him she could sell the house anytime and therefore the loan type would not make a difference. We the buyers never agree nor knew of these dealings behind our backs. 

Please consider this most disgusting act committed against XXXX XXXX persons and take the appropriate actions you deem necessary to provide us with some help. Thank you for your time. If you need more information, feel free to contact us via telephone, email, or letter.
Consumer complaint received 2015-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Central Credit, Inc. (VA)

I have been paying a month amount as part of payment plan, and as the principal has decreased, the interest has increased which does not make since. The company will not disclose the interest rate and when I questioned it, was lied to an told that there was also another debt sent to the company by the original company for fees due in 2015. I was also told that is trade practice for upcoming fees to be sent collection and not billed to the person if they were already in collection. The fees for 2015 have not even been invoiced by the original company and when they are they are due in XXXX 2015. I have verified this with the original company and notified them that something shady was going on with the collection agency. Also the amounts I am given over the phone and on the letters/invoices sent to me each month do not match. I think the practices of Continential Central Credit need to be investigated as they are being untruthful.
Consumer complaint received 2015-08-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

As of XX/XX/XXXX I XXXX XXXX have a mortgage with Bank of America XXXX XXXX CO XXXX that I reaffirmed loan in XX/XX/XXXX after bankruptcy in XX/XX/XXXX, with good standing, since. Bank of America has failed to report to all 3 credit reporting agencies with updates. They 've just removed whole mortgage account from all credit bureaus, is this my punishment! So, that I can not buy another home.
Consumer complaint received 2015-12-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (MN)

My mother had XXXX and somehow because I was paying her bills they put the bill in my name. She had a XXXX and stopped watching TV and I can not get the installation documents from them or CBE who is arrogant and irrational. 

I tol d them this but they refuse to supply this. They sent me a list of charges after the acct was put in my name that proves nothjing. 

I want the imstallion receipt or want a decent settlement.
Consumer complaint received 2015-03-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I checked my Bank of America account today and noticed that my account has been charged {$48.00} in XXXX installments since XXXX. I was never notified. I called the account services and they were rude and unhelpful. It is my money, I should be notified before any deductions are made on the account even if policies change. I have had the account for over XXXX years and now starting from XXXX, I have been charged {$12.00} XXXX for maintenance fees. I feel this is rubbing me of my money without notifying me. I will need my money back.
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

Was denied credit because Equifax did not have the correct amount owed, made a complaintfor the to investigate..the results came back the same amount owed even though I paid the bill on a couple of my accounts, they completed there investigation XX/XX/2015. which proved they lied..I called my creditor, on my account it shows the correct long before Equifax claimed to have done a investigation..I have a copy of my account proving they did not do an investigation, they just lied and reported what they wanted to..that is fraud will send a copy of my other account as well, this is fraud, they are not reporting the truth even if you make a complaint ... This is fraud in my book..
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2015-03-24
Product: Consumer Loan — Pawn loan
Issue: Applied for loan/did not receive money — 
Company: PNC Bank N.A. (OH)

In XXXX XXXX, I received written notice that the Home Equity Line of Credit currently held by me would expire on XXXX XXXX and I was given several choices concerning the loan. I chose to refinance the loan and began steps to do so as outlined by PNC Bank. After several attempts to comply with the bank 's request for information in a timely manner, all documents were submitted as requested, however, I began to sense my application would be denied because XXXX of their request was unreasonable ( they asked for a copy of my income tax for the year XXXX, specifically Schedule XXXX, though I did in fact obtain an official transcript from the IRS and presented it to PNC Bank, they would not accept it as what they needed even though the document came from the IRS and it was clearly stated on the form that the document was suitable for mortgage purposes! By now we are into XXXX so the request was made that I be allowed to use my XXXX taxes which was finally accepted by PNC Bank. In a letter dated XXXX/XXXX/XXXX I was informed that my application to refinance the line of credit was denied due to : '' Insufficient down payment and/or equity in collateral in addition to information based in whole or part from an outside source ... ... I am personally aware that PNC Bank has denied credit/mortgage loan to another XXXX couple when it appears there was no real basis for that denial other than potential discrimination, their names and other information can be submitted upon request. I believe I am a victim of racial discrimination/unfair lending practice. PNC Bank did a Property Valuation Report and within the report under Market Sales and Trends my home was compared to several others homes, my home is a tri-level but was compared to XXXX ( XXXX ) story dwellings, I know that on a scale of '' risk in lending '' from XXXX I am a XXXX risk, my credit score from XXXX ( which PNC used is XXXX ) and the property valuation plainly states the report they submitted is not a real estate appraisal, evaluation or similar documentation of the subject property ( XXXX ) .In addition, in late winter of XXXX, I had listed the property for sale with XXXX and soon thereafter received a written offer to purchase my home for {$100000.00} and when I rejected that offer another offer was made at $ XXXX.I rejected both offers because I realized I was not ready to sale my home and withdrew my home from the market. Surely no home declines that much in value in less than a year! It appears that the XXXX area has been redlined as it is a predominantly XXXX area and I believe this has played a big part, in addition to me being a XXXX female, to PNC Bank declining to refinance the line of credit I currently have with them.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

This is in response to clarify in simpler terms what my dispute with Chexsystem is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following address 's I am here and now disputing as address 's that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX XXXX XXXX XXXX XXXX , XXXX XXXX- My Parents Address NOT MINE!!!! 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX. 
Please delete these address 's. Now concerning the inquiries that you have listed on your consumer report to me please delete these following inquiries because I did not authorize those Financial Institutions to look at my personal information:1. XXXX XXXX XXXX XXXX Date of Inquiry XXXX2.PNC BANK Date of Inquiry XX/XX/XXXX3.XXXX Date of Inquiry XX/XX/XXXX4. XXXX XXXX Bank Date of Inquiry XX/XX/XXXX5. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX6. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX7. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX8. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX9. XXXX Date : XX/XX/XXXX10.XXXX XXXX Date XX/XX/XXXX11. XXXX XXXX Date XX/XX/XXXX12. XXXX XXXX DAte XX/XX/XXXX13. XXXX XXXX XXXX Date XX/XX/XXXX14. XXXX XXXX Date XXXX15. XXXX XXXX XX/XX/XXXX16. XXXX XXXX XXXX Date XX/XX/XXXX17.XXXX Date XX/XX/XXXX18.XXXX XX/XX/XXXX19. XXXX XXXX XXXX Date XX/XX/XXXX20. XXXX XXXX Date XX/XX/XXXX21. XXXX XXXX Date XX/XX/XXXX22. XXXX XXXX Date : XX/XX/XXXX23. XXXX XXXX XXXX XXXX Date XX/XX/XXXXPlease Delete all those inquiries I have included the consumer report that you sent me and I have attached my Drivers License and my utility for verification of myself and my address
Consumer complaint received 2015-03-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

I received a letter in the mail from Rushmore Loan Management LLC claiming that I was delinquent on my XXXX trust loan. They demanded that I pay all past due amounts -- there are none -- and sign up for their automatic withdrawal. ( I send the payment via XXXX every month on the due date, and it is received by Rushmore that day. )
Consumer complaint received 2015-04-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (KY)

Wells Fargo sent me a very misleading statement, intended to make one think if they did not take immediate action their home would be foreclosed on. I pay my mortgage each and every month, have never missed a month, and have never payed more than 30 days late.
Consumer complaint received 2015-03-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I deposited a third party check into my account through an A.T.M machine at my financial institution Bank of America on XX/XX/2015 for the amount of XXXX {$.00} The receipt stated that there would be a two day hold on the check. I waited for three days and started to pay some bills trying to pay off credit card debt. Through the course of the day it was brought to my attention that my bank was not honoring or paying for any more transactions. Confused I looked at my account and saw that the large check deposited three days from that point had been " reversed ''. I called the bank and actually was able to talk to someone at the very store we bank at ( This has never happened before, in the past we are connected to someone in XXXX to try to resolve questions because no one at the bank answers the phone ). I asked the person answering to look into the matter and he told me that because it was a third party check and they usually do not accept third party checks that a COPY of the check was being sent to our house and only after we recieve the copy would we be in the position to " what action could take place from there ''. I waited three days and called the bank again asking them to look up and see when they sent the copy because I was incurring overdraft fees every day from them and I needed to rectify this situation. I was told that he did n't know when they sent it out but they had up to 10 days for it to arrive. I asked if I could come and get the check from them and was told no I could not because they no longer had access to it. This is our money, there is no dispute with the legitimacy of it and meanwhile because they are keeping the money that should be in my account I have over drafted and am getting hit with fees every day. Is there any way you can help me get this check so I can take it and open an account at another facility?
Consumer complaint received 2015-12-07
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (NY)

western union advertise on they side real-time currency ratesthis rate much different from actual rate you receiveagent from kiosk try to blame western union about this spared and western union supervisor blame agent. on they site on the moment I send the money rate was XXXX and I receive XXXX Today on forex USD to XXXX is XXXX
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Account is mine, but during the process of me accessing my account my identity got compromised and Capital one bank closed and put on my credit report instead of opening me a separate account I would like my account reinstated, however since my identity was stolen during the time period I would like a investigation as of late payments.
Consumer complaint received 2015-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

I have paid on my mortgage for XXXX years and they do not have it on my report I have contacted both Equifax and XXXX mortgage. Equifax says it has neverbeen reported. XXXX sent my a letter stating that it HAS been reportedevery month for the last XXXX years. the other XXXX credit agencies show itcorrectly. also Equifax has me with XXXX late payments, they are showing payments that were included in a bankruptcy.
Consumer complaint received 2015-12-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I made a payment of XXXX to go to auto loan payment on XXXX/XXXX/2015. The bank set up an auto payment of XXXX to come out on XXXX/XXXX/2015 without my knowledge. I was overcharged within a few days apart from each other. Unacceptable.
Consumer complaint received 2015-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (WA)

ALLIANCEONE RECEIVABLES in XXXX XXXX, Wa, is truly unprofessional and do n't make things easy as it should be. I tried calling them to ask for a letter to show that everything is done and can move on. But I never got the letter and asked at the end of XXXX And once I completed paying off the debt back in XX/XX/XXXX, they never changed the status of account after it being {$0.00} balance. still showing 'open ' in status. I do not think it should be this difficult to do something that is logic an sensible. For collection agencies like these that not a part of XXXX or anything to govern them, should be changed. it seems they can do and talk to people in any kind of way without using obscene language. I am trying to get my credit together and for this company to be unruly and not do the decent thing is horrible.
Consumer complaint received 2015-05-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Account Recovery Specialists, Inc. (KS)

On XXXX/XXXX/2015 and XXXX/XXXX/2015, I received robocalls from ARSI that were left on my call notes. On XXXX/XXXX/2015, I called back and spoke to a person named XXXX. She stated that the calls were regarding a bill that I owe to Emergency services. I told her I had not heard of them ; moreover, I had not received a bill from their organization or ARSI. I asked her when the bill was sent from ARSI, and she stated on XXXX/XXXX/2015. Therefore, they began calling me before I could have possibly received the bill. When I told her that I was disputing the charges and to cease calling me in the future for payments, she continued to talk over me, continued to attempt to collect the debt, with the latter not legal once a consumer has stated they are disputing it. She should have simply honored my request. When I requested to speak to a supervisor, she transferred me to a person named XXXX. XXXX stated she would make sure I did not receive calls in the future, but she further stated they were not doing anything illegal. I find it to be pretty shady that they are trying to collect on a bill where the provider is unknown and there has been insufficient time to have received a bill that states my credit rights and the option to dispute the bill. After the phone conversation was over, I sent a written notification via their e-mail XXXXXXXXXXXX to cease placing calls and that I am disputing the balance.
Consumer complaint received 2015-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NRA Group, LLC (ID)

This debt has been showing up on my credit report for few years now. I talked to someone representing this company ( XXXX ) few years ago and even had everything clarified. But, I believe 2 years ago maybe, the innacurate information showed up on my credit report again. If I remember correctly, it was a computer wich was paid for with a personal check with my name printed on it. After 4 days it was returned with receipt. But we did n't get a refund at that time. We were told that we would have to wait another week because it was paid by check allegedely, so the check had to clear with their bank to get a back. So XXXX got their product back and decided to report us for years as thiefes? In fact i think maybe they owe us close to {$700.00}. I am a XXXX XXXX and I have been discriminated because I cant run around or call all day to find out what happend.. I think XXXX of their own employees stole my refund,
Consumer complaint received 2015-08-09
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP (AR)

I was in the process of purchasing a home with US Bank Mortgage since XXXX 2015. I received a preapproval letter and then an approval letter with the amount approved. I have emails and documents to prove the approvals. I had my credit ran and destroyed during this process by bank. I was told to let US Bank refinance my car, my credit cards and get a credit card to pay off the IRS from US Bank. I was told to pay for an appraisal on the house that I was purchasing. I got an inspection processed on the house, purchased new furniture, gave away my furniture that I had, due to the fact that everything was still a go with the bank loan. The bank asked for documents over and over for the same documents time after time, right up to the closing time and still said the loan was good. The bank at one point got an approval for an extension on the closing without me having to pay for it. All of a sudden on another closing time, supposedly, the loan was denied just out of the blue. I have emails of a conversation to support that the loan was good and supposedly due to the fact of my employment at a part-time job and credit inquiries, in which US Bank was the only one who ran my credit so many times. The bank has had all of my employment history from day one of this process. The bank was very unethical on their part and I would like this investigated. What a disgrace on the bank part to approve someone and then ruin their credit because I did everything the bank asked me to do and then some.