davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-11
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We feel terribly violated and defrauded by Bank of America , N.A . on my parents REVERSE MORTGAGE whom have past away, I am the Executor to their Estate and the Promises made to my parents upon obtaining a Reverse Mortgage was Sadly Misleading, and Now I have family members with XXXX School age Minor Children with Fear of being Evicted despite doing everything according to the, REVERSE MORTGAGE SOLUTIONS and XXXX XXXX XXXX, Hired by Bank of America have shown to be Bullies and using intimidating language, Refusing to Allow us to Sell my Parents home by refusing, Offers of Purchase and Stalling the process by Numerous Motions, and Unfortunate Probate Delays, despite repeating attempts to accept Real-estate Offers, I have kept in close contact with Bank of America 's Attorney, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, XXXX XXXX County Court House, I have email threads providing a timeline of these failures, despite speaking out. I 'm XXXX and was unable to hire an Attorney doing everything myself, I was Offered a " Cash for Keys '' agreement by XXXX XXXX XXXX, XXXX that was then resended by THEM with no further explanation, with NO RELOCATION ASSISTENANCE for the family members left in the house. I find this REVERSE MORTGAGE of our aging parents, Nothing more than a SCAM, that once discovered, there is nothing you can do the victims are deceased, and the family is left with the burden. In my case my parents were longtime Bank of America customers and they TRUSTED them, BUT we could of never imagined this would be the outcome my parents expected and as the Executor of the Estate we were informed Bank of America has Mortgage Insurance Premiums, covering the mortgage upon there death, that I 'm sure they long collected. My pleas is to Bank of America , N.A . to do the right thing and Offer RELOCATION ASSISTANCE, of {$3500.00} to my family or ALLOW us to SELL the property we were entitled to do according to there agreement with my parents. Any further information you may need please feel free to contact me.
Consumer complaint received 2017-07-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (NH)

Please see attached letter. The mortgage accepted a modification not once but three times to adjust my loan. In all three instances the company set up the plan and then denied and returned my payments. The first time this happened they told me there was nothing I could do and I had to lose my home I then called HMA they forced Pacific Union to admit they were in breach and to allow me to enter the agreement again. At that point I thought that I was all set until day again returned all my payments. They are now telling me they are going to take my house once again and they have escalated the process
Consumer complaint received 2017-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

I have a wells fargo account. They are always putting the transaction between 2-3 says after the purchases or payments. For example every week they are supposed to post my car payment, at the beginning they put they payment the fridays, now it not appears in my account until Tuesday. The same with my cellphone bill, at the moment of the payment they post it in the account, an hour later is gone and again it takes 2-3 days to post it. I 'm always cheking my account to avoid negative balances, but I know that they can do better posting transaction faster. This kind of behavior affects my account sometimes with fees or insufficient balances wich is not fair. I dont think I 'll need to keep an eye in my account all days to avoid that kinds of fees or negatives. The fee thing just happens once and they give me back the money because was my 1st one, but I do n't want to wait to another one so they dont give me back that one.
Consumer complaint received 2017-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I was pre-qualified with the Illinois Hardest Hit program on XX/XX/XXXX, but in order to fully qualify for their program of which they were willing to pay {$35000.00} of my arrears, in addition to ( 4 ) future months of mortgage payments @ {$1000.00} ( TO BRING MY MORTGAGE CURRENT ), due to the lenders fees being in excess of what would qualify me for the program, I requested for the lender to waive or reduce their attorney fees of {$4400.00} as of XX/XX/XXXX, in order for me to qualify, since Illinois Hardest Hit Program does not allow homeowners to pay any fees to offset overages. <P/>In summary, I received a letter from a XXXX XXXX at Wells Fargo on XX/XX/XXXX stating that they were not able to waive or reduce their fees. With no further explanation being given. <P/>I am filing this complaint as this is extremely malicious behavior from the lender Wells Fargo, NA to intentionally not reduce their " inflated '' unrealistic attorney fees, and choose not to receive an immediate payout of {$39000.00} ( {$35000.00} to resolve the arrears, plus an additional ( {$4300.00} for ( 4 ) future monthly mortgage payments ), yet instead making a corrupt choice to choose to leave a homeowner, who has the immediate means to resolve her Mortgage Foreclosure arrears, be denied a logical resolution, and cause a homeowner to run the risk of losing their home. This is totally unacceptable behavior and it is illegal that this lender is allowed to get away with this type of MALICIOUS unlawful practice!!! <P/>There are many homeowners like myself who are working diligently to try and save their homes from foreclosure, and this lender has a normal practice of denying loan modifications, wasting precious time, playing the " I did n't receive those documents '' game, even when a homeowner has had those requested documents notarized by a legal entity, causing further hardships to occur for homeowners. It is very apparent that this lender is not willing to assist homeowners, and in my case they have laid it out in black and white, that they would be willing to try and foreclosure on my home, choosing to not waive {$4400.00}, than to accept {$39000.00} to resolve all of my Arrears and bring them to {$0.00} on the property. Who does that??? <P/>Thank you for pausing your day to allow me to file this COMPLAINT, and I will continue to seek justice against this unjust corrupt corporation, and I will also help as many individuals as I can to fight against this corrupt lender Wells Fargo, NA.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-12
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. (VA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2016-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OK)

I have been paying my Car payments on-time and within the agreed terms before XXXX of every month ( XXXX XXXX allows 10 days gace period ) as agreedtowards my Car payment to the XXXX XXXX XXXX. 
All the XXXX credit Bureaus ( XXXX, Equifax & XXXX ) have been reporting between 10-14 late payments ; although I have PAID -IN TIME. 
Kindly take necessary action againist all the XXXX bureas
Consumer complaint received 2016-11-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (GA)

Cavalry Portfolio Services continues to collect on an alleged debt that is outside of the statue of limitations per my credit report and they have failed prove that this alleged debt actually belongs to me. Over the course of the last couple months, I have attempted to have them prove to me that this account is mine to no recourse.
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

Suntrust Mortgage Inc serviced my mortgage XX/XX/XXXX. Property coat {$280000.00}, down payment {$70000.00}. I applied for modification XXXX XX/XX/XXXX I received a illegal type of modification. The loan was sold/transferred without my knowledge to XXXX. I went to see the vice prespresident of Suntrust. XXXX XXXX. denied the transfer. XX/XX/XXXX I went back to the branch, VP XXXX XXXX. Stated my mortgage was sold for {$210000.00}, the exact amount which I borrowed. Suntrust continued withdrawing my payments & also sent the same amount to XXXX. Months of payments shipped by XXXX to XXXX XXXX, these checks where signed & cashed without informing XXXX, or applying any payments to my mortgage.XX/XX/XXXX the property sold. XXXX pay-off {$26000.00} delinquent charges to the credit agencies. The loss of my Credit History distroyed by Suntrust reporting illegal negative statements this ongoing dispute began XX/XX/XXXX My loan was not underwater. I made my monthly payments using my Suntrust Sure Pay Checking & Savings Account. I met with VP XXXX hurried outside, her father just passed away. I walked with her to her vechical, she looked at me and stated, " I 'm sorry XXXX '' I can not access a Suntrust Mortgage Acct that is closed. But if I where you, I would get my money & close your acct. I was devastated, afraid, totally depressed. Scheduled for my XXXX XXXX XXXX XXXX, it was all bad. Made me sick I needed a reason to live. So, I prepared my home for immediate sale.XX/XX/XXXX, three months later I walked away with {$1400.00} dollars. Today is XX/XX/XXXX Please help me out here. Suntrust XX/XX/XXXX must comply to the credit agencies by written facts recorded deed Satisfied Paid Account Closed. Thanks
Consumer complaint received 2017-06-23
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. (OR)

I am filing a legal suit against Experian and XXXX because they dumped my credit record after a period of no activity, then improperly restored records with a " reported date '' that negatively affected my ability to qualify for a conventional mortgage loan. I need to know how long they are required to maintain consumer credit records.
Consumer complaint received 2017-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (GA)

Greetings, I am in desperate need for help. I have been attempting to do a short sale since XXXX 2015,  it would be a complete payoff for PHH Mortgage if theyd postpone the foreclosure ; it is ridiculous that theyd forego a full payoff to pursue foreclosure. I am trying my absolutely hardest to get the mortgage company to postpone the foreclosure. The mortgage company, to me, arent doing what the government says the lenders should do to provide foreclosure alternatives to homeowners. I have submitted paper work every time they ask in a timely manner multiple times over. Please help me with getting the mortgage company to postpone the foreclosure. Best regards,
Consumer complaint received 2017-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i would like to know what the XXXX bank of america is doing??? there has been 3 investigators call me and all 3 dont know what the XXXX theyre doing??!!!! they all diassapeared! and i dont want this complaint removed either by the CFPB!!!! LEAVE MY COMPLAINTS ALONE TILL THEY CAN RESPOND!!! AFTER MONTHS AND MONTHS OF COMPLAINTS I HAVE NOT RECEIVED ONE XXXX VALID RESPONSE FROM CRIMINALS OF AMERICA!!!! THERES NO VALID CONTRACT,!! THERES A CLOSED ACCOUNT IN XXXX THAT THEY THREATEN ME TO PAY A BALANCE HAS ALREADY BEEN PAID, AND IF THATS NOT ENOUGH THEY THREATN ME TWICE WITH THEIR XXXX CRIMINAL FRIENDS XXXX!!! NOT CRIMINALS OF AMERICA OPENS UP A CLOSED ACCOUNT AND IS DOING SOMETHING WITH XXXX DOLLARS?? WHAT THE XXXX ARE THEY DOING????? WHERES THEIR SIDE OF THE BOOKEEPING???? WHY CANT THEY ANSWER MY QUESTIONS AND SHOW VALID ANSWERS, WHY DO THEY HAVE XXXX XXXX XXXX CALL ME,???? THESE PEOPLE ARE XXXX XXXX,!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THEY STILL USING FICTITIOUS NAMES TOO, OVER 20 COUNTS OF FELONY IN MY PAST COMPLAINTS AND STILL I HAVE NO RESPONSE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY (GA)

I was XXXX and my credit cards were stolen. I am currently fighting via litigation the vendor and bank involved in the situation. Due to my attorney advising me to stop paying the fraudulent charges to keep my cards current, my credit score has suffered. My bank credit card even presented with this information reduced my credit limit {$22000.00} making the card usable for my monthly needs. I escalated and underwriting refuses to do anything given my situation with evidence. I do not think this is fair given the situation and should be reviewed in a manner taking into account all other facts ( no other card issues ever, this bank never had a late payment, customer of 10yrs+ ).
Consumer complaint received 2016-09-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (TX)

Syndicated Office Systems/Central Financial Control is attempting to collect Medical Dept for {$270.00}, which was not covered by Medical insurance at that time from XXXX 2014. Already paid {$950.00} out of {$1200.00} to XXXX XXXX XXXX Hospital which is part of TENET Health Systems. Collection Agency CENTRAL FINANCIAL CONTROL posted collection information to Credit Report Agencies negatively impacting me badly. Now my credit score is in XXXX 's. It was in the XXXX earlier and now I I am badly affected when I am attempting to get a mortgage to buy a home. They are also causing difficulty by contacting me 2-3 times daily on our cell phone number.
Consumer complaint received 2017-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

In XX/XX/XXXX I purchased a stove from Conns. In XX/XX/XXXX my wife and I went back to purchase furniture for our living room we were told by XXXX the sales rep that in XX/XX/XXXX we could come back in and purchase a small dollar item and that he would allow us to combine the accounts. On XXXX the XXXX we returned to the store and purchased an item to combine the accounts. I started getting calls saying it had not been combined. I paid another payment to combine the accounts and started getting calls again. I returned the store and talked to the manager on XX/XX/XXXX who told me another mistake had been made and he gave me paperwork that said I did n't have a payment until XX/XX/XXXX. Since then I have been consatantly hararassed by telephone callas at my home, cell, text, and email repeatedly saying I still owe a payment that 's not due. It has gotten to the point where they have even called my wife who is not on the account. It is rediculous trying to talk to them because they want me to have their own store manager call them instead of resolving the issue for the customer. I have faxed them cease and desist calls other than to my home and the documents have been ignored and the calls continue. I feel violated and attacked by this company for something that 's not my fault. On all three occasions they gave me paperwork but continued the harassment.
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

As per the debt collection agency - XXXX, the debt of {$64.00} was requested to be removed from all Credit Reporting Agencies in XXXX 2016. It is still showing on Equifax. See portion of communication from XXXX to CFPB - *** " In addition XXXX sent notice to the XXXX major CRA 's to remove the tradeline from XXXX credit history in XXXX. '' *** I want this debt removed from my credit! ( SEE ATTACHED TRANSCRIPT DIRECTLY FROM XXXX TO CFPB-HIGHLIGHTED IN YELLOW )
Consumer complaint received 2016-11-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I was never late in paying my Capital one Auto Finance. The account was on autopay set up through Capital one and that had been the mode of payment since establishing the account. I paid the account off in 2013. I do n't know how they can justify destroying my credit by stating that I was 30 days late, four times for account number XXXX and that my account was closed by grantor. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Capital one they refused to take this enormous mark off my credit. That account has a zero balance, it was paid off in 2013 and was closed because the loan was paid off. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment off my credit report.
Consumer complaint received 2017-03-25
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (IN)

My car was repossessed on XX/XX/2017. It was a Sat and all the businesses to get the situation handled were closed, so I had to wait until Monday. That Monday ( XX/XX/2017 ), I called Toyota and the first man that I spoke with told me that the amount would be {$710.00} and some change. I informed him that I could pay that and he said that I needed to wait for a letter that states the rest of my fines and that they had 3-7 days to get the letter. I asked what fines and he stated that of the towing company. With that being said, I called XXXX in XXXX which is where my car is. I asked them what the amount was going to be to be able to get the car after I pay Toyota and they stated that they were waiting for Toyota to send them the letter and without the letter they ca n't tell me anything. We have been struggling and I understand why they took the vehicle but I have been trying to pay Toyota now for 5 days and today marks the 7th day that my car is still in the impound. I have no idea how much money is accruing everyday on their lot, Toyota wo n't even let me pay them and I have no idea what else to do. I am XXXX and just wanted to get the situation handled as quickly as I can and Toyota is making it impossible for me to get my car back. I have been willing and offering since day 1. My husband and I were struggling to make payments and have told Toyota that we understand why they took the car but that we just want to get it back. I have spoken to managers, I have called at least 3 times a day since that Monday and still have gotten nowhere. I have appointments coming up ( I have XXXX ) next week that I have no idea if I will be able to go to because I do n't know when they are going to receive this letter that they keep talking about and not taking a payment. Everyday the cost increases. We are already struggling and the process to get our car back only racks up more charges and makes it more and more expensive. They say that the letter is required by the state but I have not seen anything in my research about this letter but what I have found is that I am not the only one in this position. They have even taken full payments before and still make their consumers wait 10 days before being able to get their cars back. Ridiculous. I am a willing customer who understands why her car was repossessed and have tried and tried to pay to get my car back and am constantly being pushed back. My husband is on the road and I have no other means of transportation and I am XXXX. I do n't know what else to do and need help.
Consumer complaint received 2016-07-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Experian Information Solutions Inc. (NY)

The loan number XXXX for {$190.00} says we owe {$19000.00} and behind. According to XXXX XXXX Loans we owe for XXXX XXXX, XXXX subsequent monthly installments. We have an order form signed XXXX XXXX 2013 that Mortgage Lien of XXXX will be Wholly unsecured pursuant to XXXX XXXX XXXX, and upon proof of service as required by the Court, and a hearing on the Motion having been held on XXXX XXXX, 2013 to void and release concerning Mortgage lien to the Chapter XXXX. So please remove said amount and say it was taken care of through Chapter XXXX.
Consumer complaint received 2016-09-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Centron Services (MT)

I have received a judgment against me for multiple accounts in collections from medical bills from a non profit hospital over the course of 5 years. At the times several of these services were provided, I had received a statement of financial charity from the non profit hospital releasing me from financial obligation for these services. These accounts are not only listed on this judgment but on my credit reports as well. In addition to the accounts that were forgiven, there are other accounts listed both on the judgment and on my credit reports for accounts that have been paid on, with receipts I still have showing the accounts have been paid. On XX/XX/XXXX, I received my paycheck from my employer and discovered a wage garnishment. I had no prior knowledge of this garnishment, or who to contact regarding any type of exemption or garnishment adjustment. I am the sole provider of my family and currently have an arrangement with another collection agency regarding a debt incurred by my husband. Between the surprise garnishment and the payment plan I had previously entered, my total wages taken from each month equal my rent and almost half of my income. This has created a significant hardship for my family and I do not have any contact information for the creditor who has taken legal action against me from a non profit hospital in the attempt that I could make an arrangement that would not force me to levy my other bills and obligations in order to satisfy one I have already paid and other debts that had previously been forgiven.