davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Altisource Portfolio Solutions, S.à r.l. (VA)

I'm getting debt collectors calling almost every day asking to collect on a card that doesn't belong to me and isn't under my name. Sometimes they ask for a different person 's name, sometimes they don't say anything and just hang up. This started happening right after I got a car loan. These are the dates, times, and phone numbers ( different numbers, I'm assuming it's the same company ) : -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX - XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX  ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX  ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX   ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX  -XX/XX/XXXX at XXXX XXXX : ( XXXX  ) XXXX - XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX  -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXX at XXXX XXXX  : ( XXXX ) XXXX -XX/XX/XXXX at XXXX XXXX : ( XXXX ) XXXX -XX/XX/XXXXat XXXX XXXX : ( XXXX ) XXXX - XX/XX/XXXX at XXXX XXXX  : ( XXXX ) XXXX
Consumer complaint received 2018-04-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

This was a XXXX XXXX XXXX XXXX  loan taken out in 2004. It was collateralized against my principal home, last year I began not to make payments on the home and lost it to foreclosure in XX/XX/XXXX of last year. I stood in the home until XX/XX/XXXXof this year and I recently in XX/XX/XXXX found out from the BK trustee that the business loan was paid off in full, after looking at the payoff the balance owing was only {$64000.00} and then I saw the outrageous amount of {$62000.00} in interest fees and another {$80000.00} in additional fees, these amounts are quite high, my question to you is if you can dispute these fees for me and see if they are legal, I was left wiped out after running this business for 25 years plus and counting on this money for investment and retirement. Please help and advise.
Consumer complaint received 2018-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Security National Automotive Acceptance (KY)

On XX/XX/XXXX I purchased a used car from XXXX XXXX XXXX dealership in XXXX, TN. The car was financed through Security National Automotive Acceptance Company ( SNAAC ). The GAP policy was purchased from XXXX, which is owned by SNAAC, and the {$800.00} for the GAP policy was included in the financing. The car was insured through XXXX. 
On XX/XX/XXXX, the very next day, I was in an accident and the car was determined to be totaled by my insurance carrier, XXXX. 
OnXX/XX/XXXX XXXX sent a check for {$16000.00} to SNAAC ( attachmemt 1 ). This is also verified on my account with XXXX ( attachment 2 ). 
On XX/XX/XXXX I made a payment to XXXX  of {$210.00}, which was the scheduled bimonthly payment ( attachment 4 shows the payment credited on my SNAAC loan account ). I don't feel I should have needed to make this payment as my car was totaled. 
On XX/XX/XXXX XXXX XXXX, who was paid a commission on the GAP policy, issued a refund of {$540.00} to SNAAC. 
On XX/XX/XXXX XXXX XXXX verified that the {$540.00} refund check cleared their bank. 
OnXX/XX/XXXX XXXX sent a letter summarizing the entire transaction which confirms that SNAAC was paid {$16000.00} by XXXX, that I was due a refund of {$800.00} for the GAP insurance charged when I bought the car, and that the total GAP settlement is {$310.00} ( attachment 3 ). 
On XX/XX/XXXX I called SNAAC, along with my military financial advisor,  and SNAAC stated that they never received the {$540.00} refund from XXXX XXXX. They said that I owe {$790.00} which is the account balance that is shown on my SNAAC account as of today. The account also states that the " Total Due '' is {$670.00}. SNAAC told me that interest is accruing DAILY. 
On XX/XX/XXXX I printed a copy of the balance on my SNAAC loan ( attachment 5 ) which shows : Account balance {$790.00}. Total due {$670.00}.
Consumer complaint received 2018-04-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

1. Wells Fargo arbitrarily prorated seller concessions on its Closing Disclosure to make borrower paid fees appear to be less than what they were. The closer confirmed in an email ( see attached ) the reason they prepare the Closing Disclosures this way is avoid reporting exceeding allowable tolerances and to manipulate the APR. 

2. Wells Fargo did not disclosure all fees on the Closing Disclosure. Wells Fargo charged three ( 3 ) appraisal fees that included an initial appraisal fee, an appraisal update fee, and a final inspection fee. Only two ( 2 ) of these fees were closed on the Closing Disclosure. 

3. Wells Fargo intentionally underestimated our loan payment and closing fees on the Loan Estimate. Wells Fargo re-disclosed ( with no triggering event or new information ) reflecting fees much higher than disclosured when we originally applied for the loan ( though nothing changed ). Cash needed for closing was around {$7000.00} higher and the monthly payment was around {$700.00} higher. 

4. Wells Fargo was deceptive by attempting to make the Closing Disclosure hard to compare with the Loan Estimate as the full fees being charged at closing were not disclosed. They attempted to use a seller credit to make the fees appear to be less than they were. 

5. Wells Fargo is attempting to collect more escrow than allowed ( escrow amounts are known as Wells Fargo has the tax assessment and homeowner 's insurance invoice ).
Consumer complaint received 2024-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PNC Bank N.A. (CA)

I have uploaded the supporting documents. I entered into an agreement with PNC after approval for a Conditional Trial Period Plan of ( XXXX ) months, payments of {$1400.00} on the first of XXXX - XXXX - XXXX of this year. I received a call and supplied direct backing information and approved for all ( XXXX ) payments to be auto paid. PNC for unknow reasons only took ( XXXX ) payments and decided not to process the third without informing me. I had XXXX in the back at the time to cover it. 
I was notified on approximately XX/XX/XXXX, that I was ( XXXX ) day past being ( XXXX ) days late on the last payment. I responded that I was not contacted in any way, and did not understand why that haven't processed the last payment. 
It was relyed to me : We do not send a letter. 
We do not text you. 
We do not email you. 
We may have called you but it is and unlisted number, which may come up as spam. 
We not not leave a message with out phone calls per our policy. 
I was not gioven a reason for thier failure to process the last payment. I then authorized PNC to immediately process the last payment. The processer sais no. 
I was referred to ( XXXX ) more processors each time saying they would take the payment, then stating they had to get final approval from a higher up, then saying no. 
The third processor was a lady from New York. She stated she would call me tomorrow and check the phone conversation I had to see if I authorzed all ( XXXX ) payments. 
She did call the following morning and state indeed I had. 
I then authorized once again the last payment and asked her to process it. 
She stated NO. 
They have deliberately set this program up to fail.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have made 17 consecutive on time payments of {$4500.00} to XXXX XXXX XXXX ( Acct # XXXX ) on a 30-year fixed mortgage. However, in XXXX they increased the amount due to make up for an escrow payment for property taxes. I was not aware of the increase and my auto-bill pay sent the same amount. I was notified that I was late in XXXX, but knew I was current. However, I found out I the increase of {$54.00} was the difference in the increased amount that was late. Upon hearing the news I immediately paid the {$54.00} difference, in fact I paid {$190.00}, just to make sure no late fees or accruals would be attached. Then I saw they reported me as 30+ days late on my credit report. I asked them to remove it, but said due the Fair Credit Act, I must request removable by the CFPB and the Agencies. I sent a note to the agencies and to you as well.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes, Experian has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2018-10-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XX/XX/XXXX They called my work told the customer service rep. I needed to be served with a legal notice and then they asked for my boss XX/XX/XXXX they called again gave the csr XXXX all the info to contact me told her it was to serve me a legal notice now everyone st work knows my business. 

The old credit card account was closed in XXXX I believe the statue of limitations has expired on this account.
Consumer complaint received 2018-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I got a phone call from some lady showing on caller ID as XXXX XXXX XXXX They had some basic info from Im assuming my credit report .. the lady went on to say I wouldnt be sued if I agreed to make a payment today of {$1000.00} The supposed debit never never occurred and I told the lady that .. she just kept threatening me. 

She wouldnt give me the name of the business she represented but provided me with a XXXX number Upon waiting on hold for 28 mins I got frustrated and hung up then called the XXXX XXXX XXXX it turns out it's a company called portfolio recovery associates Upon calling back and demanding they provide me with more information in the mail about this so called debt. I was placed on hold again .. this time to talk to the dispute department.. wel guess what another 20 mins on hold and I finally gave up
Consumer complaint received 2018-10-12
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

I keep getting phone calls saying that I am behind in my XXXX taxes. I was behind by 5 months and called and told them I was making payments and sent the tax bill showing my payments. In XXXX of XXXX I paid the balance of {$1000.00} with ck noXXXX. I was then informed by the company that they had paid {$1000.00} on the same day and I owed them this money. After sending many proofs of my payments they still insist that I 0we them that money. Now they want me to make a conference call with them so they can prove I still owe the taxes or so it seems. How do I know they even paid? 
I can't get the check back, its not mine.
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Tried to get a credit card to help my credit was not approved but capital one dinged my score which I have been working on very hard to repair over the last year. There was no statement saying that if they deny you they will ding you.
Consumer complaint received 2018-04-18
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: Experian Information Solutions Inc. (FL)

I was promised numerous times by representives from XXXX XXXX that they would remove XXXX XXXX from my credit reports because I never received or ordered any items from XXXX XXXX. I have been promised XXXX XXXX would remove this since XXXX and it is yet to be removed
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (KS)

I am getting 8-12 calls from the company per day, including them masking their number and not leaving any messages. It starts at XXXX XXXX XXXX XXXX and goes until XXXX XXXX XXXX. I know they're trying to collect payment from me for a {$30.00} balance still left on the card. I intend on paying it off and canceling the card as soon I get the money.
Consumer complaint received 2018-04-18
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: Southwest Credit Systems, L.P. (GA)

Sw credit systems keep reporting when I let it be known I am in a XXXX XXXX situation and had to flee. 
XXXX XXXX XXXX XXXX is not honoring it either!! 
XXXX XXXX let him fraud my account by getting services turned on there after I left. 
XXXX XXXX is not honoring it either due to the fact it's stuck on my credit report and when I have it removed it goes back on there. 
XXXX, XXXX, XXXX have let her all pu I on here when I disputed on why iiti isjould be gone. No one honor the law
Consumer complaint received 2018-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (PA)

I entered into a HAMP modification many years ago. My mortgage payments have stepped up much faster than my income has gone up and I am unable to make such a high payment. I reached out to my mortgage service again to ask for assistance. 

XX/XX/XXXX - I sent in my application. 

XX/XX/XXXX - I received a letter tat acknowledged my complete Loss Mitigation Application had been received on XX/XX/XXXX XX/XX/XXXX - I logged into my account on fayservicing.com and saw language that stated I had " Promised to Pay '' an even higher amount than my normal monthly payment. 

XX/XX/XXXX - I contacted the CEO of Fay Servicing via email. I received a call back from my Account Manager, XXXX XXXX. He stated that an evaluation for modification was not completed as the underwriter determined that I qualified for a repayment plan. I submitted a request for an appeal. 

XX/XX/XXXX - I received correspondence dated XX/XX/XXXX that my request had been received. 

XX/XX/XXXX - I attempted to contact XXXX XXXX, Account Manager, and XXXX XXXX, CEO. I received no communication back. 

XX/XX/XXXX - I still have not received communication from Fay Servicing and XXXX XXXX is still showing on my account as my Account Manager XX/XX/XXXX - I attempted to contact XXXX XXXX, Account Manager, and XXXX XXXX, CEO. I received no communication back. 

XX/XX/XXXX - XX/XX/XXXX - I again attempted to contact XXXX XXXX, Account Manager, and XXXX XXXX, CEO. I received no communication back.
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

I have several small credit card accounts issued by Synchrony Bank I have had automatic payments, Synchrony Bank has repeatedly run a credit check every 6 months or so, and if they do not like your score, they lower the credit limit, which in turns lowers my score because it looks like the utilization of the balances is higher. My husband has a decent score and has automatic payments and he too has been a victim of this practice. This needs to stop. It is leaving me with no choice but to close the accounts. They are making me look bad.
Consumer complaint received 2018-10-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MN)

I opened this account on XX/XX/25 under a promotional offer of {$400.00} for depositing and maintaining a {$15000.00} balance for 60 days. 

The funds posted to Citibank on XXXX and were maintained for 60 days. 

I contacted them today and they are now trying to say there is no offer on my account. Despite me signing up under their promotional link and offer. I read the full offer terms prior to entering my information and completed them all.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (VA)

Hello I have direct Deposit to my Netspend card from my job, I was supposed to receive my deposit XX/XX/2018, I technically get paid the XXXX but with what they advertise it will be 2 days faster, here it is XX/XX/2018 and nothing. Still no deposit I called several times yesterday and was provided no information at all, yes my employer sent my money over, I have my paystub with last four of netspend account number, still not there. First time i called they said and hour that was at XXXX XX/XX/2018 by XXXXXXXX XXXX same day I called back cause zi still have not received my money. They told me wait a few more hours. I called again and was told XXXX is having direct deposit issues. All I want to know is where is my money, I have rent to pay bills to pay this is so unfair. My deposit was for {$1000.00} They are not playing fair I couldn't get any time frame when I will have my money They have my money but no answers
Consumer complaint received 2018-04-18
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 — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (ID)

I sold my vehicle in XX/XX/XXXX and received a release of interest and confirmation from GM Financial stating that my account was paid in full. As of XX/XX/XXXX I checked my credit report and GM Financial is still reported that I had a balance on my loan two months after my loan was paid in full and GM Financial sent a release of interest letter. I then submitted a dispute with the 3 credit bureau 's stating that the loan was paid in full. At the end of the investigation the 3 credit bureau 's updated my GM Financial loan that the balance was still owing but that I was now 60 days late for bothXX/XX/XXXX. and XX/XX/XXXX. I no longer had the loan inXX/XX/XXXX andXX/XX/XXXX. These reports are incorrect but GM Financial refuses to update their records and the 3 credit bureau 's are not updating their records either.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I have two inquires on my report from XXXX XXXX XXXX on my credit reports one on XX/XX/XXXX and one on XX/XX/XXXX and I have never applied to XXXX and have no idea that it is.
Consumer complaint received 2018-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Management Associates, Inc. (WA)

Several weeks ago a debt collector name Delta Management Associates Inc. phone XXXX located XXXX XXXX XXXX XXXX XXXX XXXX, MA. 
or XXXX. XXXX XXXX XXXX, Ma XXXX called me regarding a debt for a XXXX XXXX. I informed them that is not me and to not call again. week of XX/XX/XXXX the company called me again on the same number. On XX/XX/XXXX I received another call on the same XXXX number. This time I spoke with the manager who said his name was XXXX XXXX and he said they would remove me from their call list. However 10 minutes later they called again on a cell phone of mine. I then specifically asked them to remove all phone numbers that have my name listed on it from the area code in which I live. This they refused to do. Although they are referencing my name with the number they wanted me to give them my phone numbers. I told them you are only calling me because my name of XXXX XXXX is associated with this number and because you have associated my name with XXXX XXXX you are calling me. So easily you can find the numbers associated with my name and remove them from your list. They still insisted they won't do this. I believe this is abusive especially since the debt they are calling about is not even the person they are calling. They said they would remove the called numbers from the list yet would not send me a confirmation in email or writing and said only two numbers would be removed. Again I believe it is their job to know who they are calling and is not right to keep calling the same person again who doesn't belong to the debt.
Consumer complaint received 2018-10-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC (AL)

Allied Interstate repeatedly calls my place of employment even though I have told them NOT to contact me, instead to send me some information by mail regarding whatever they are calling me about. I have repeatedly told these people not to call and they insist on doing so. 
XX/XX/2018 - XXXX I told them to contact me via usps XX/XX/2018 - XXXX I told them to not call my place of employment XX/XX/2018 - XXXX I repeated myself and said the next time someone calls this number, I will have legal counsel reach out to them XX/XX/2018 - XXXX They call once again! 

I am fed up with these calls and these aren't the only calls, I can and will have my call log pulled. The numbers they call from are : XXXX and XXXX