davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (GA)

I have a creditor on my credit report that is reporting conflicting information. I have attempted several times to dispute the information with XXXX but they refuse to dispute it any further. The company is Wilshire Commercial XXXX also goes by Westlake it reports my account was opened on XXXX then reported since XXXX. Not sure how it has a report since XXXX but not opened in XXXX. Information listed below. 
Credit Items WILSHIRE COMMERCIAL CAPITAL Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Discharged through Bankruptcy XXXX XXXX. 
Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 
Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Auto Loan Terms : 24 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$3100.00} High Balance : NA Recent Balance : {$0.00} Recent Payment : {$0.00}
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America has imposed a litigation management fee for no reason. The fee is {$1000.00}. The fee has no explanation, no notice. I never received any notice that a fee was being imposed and question whether this was a fee imposed as a result of my MANY complaints filed against Bank of America. I called and spoke with a customer rep who informed me that she believed this was a XXXX fee but couldnt explain. I do not pay a XXXX fee. There was no explanation provided on any document. My invoice has the line item mixed in with other activity without any explaination. I asked to be transferred to XXXX XXXX my customer service rep but was transferred to the automated line. I truly believe that this fee was imposed as a result of my many complaints. I will not pay this fee.
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (IN)

I tried to pay off my mortgage with Specialized Loan Servicing. I wrote a check for on XXXX XXXX for the due bill based on the principal balance of my mortgage shown on my monthly bill. I received a notice that they would not accept my check because it had to be a wire transfer or money order to confirm funds. This is the same check they accept every month for the last 7 years. By depositing the check the funds would have been confirmed. Since then they sent a payoff summary for the balance with interest calculated until XXXX XXXX and XXXX late fees. I called and XXXX of the late fees were from XXXX and XXXX that the agent confirmed I did n't owe and the other was from XXXX because they would n't accept my check. I asked for a new payoff summary and she said I should pay the amount on the first XXXX and they would mail me a check for what I did n't owe. I did n't received the new summary until recently and it was n't corrected and it had more interest attached. During the first two weeks of the month I kept calling to try and get a corrected summary but could not get any help only " we sent a summary '' they would say. I since received another summary that still was n't corrected and called again and etc ... ... .. Please read the letter which shows the actual time line of events and information requested and received. I am not going to pay all of this calculated interest and late fees because of their inability to do their job. Thank You
Consumer complaint received 2016-12-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Special Financing Company, LLC (OR)

when I signed up for the loan in XXXX/XXXX/XXXX I agreed to auto pay. Earlier this year I experienced financial hardship from losing my job. I requested that auto pay be cancelled, the lender refused to do so and took and unauthorized payment from my account in XXXX. I called and they then cancelled it after it over drafted my account by over {$400.00} I had to pay those over draft fees. 

on XXXX/XXXX/XXXX they took another unauthorized payment from my account for XXXX I requested it be refunded they refused and told me to send a cease and desist letter, I requested to speak to a manager the person I spoke with refused to let me speak to someone else and asked me to call back at a later time and hung up on me. 

I had to call my bank and block them and they 're closing that account I have to wait 10 days for a new card and because the transaction is still pending I have to wait for it post before I can get a refund which will take a total of 12 days, therefore I am out of the money for nearly two weeks. The lender refuses to refund the payment. 

when I originated the loan I was told it would help build my credit after I go the loan Special Financing Company told me they will not report to the credit bureaus I was lied to, I have received multiple calls from them in some cases back to back my calls records can prove that. I have lost several hundreds of dollars dealing with this company. 

in the year and a half I have had this loan I 've never once received a statement, if you request a copy of my call records with them I have made multiple requests which they have not honored
Consumer complaint received 2016-11-27
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Financial Asset Management, Inc. (NV)

I had a pending payment due on XX/XX/2016 of this month. When I learned my deposit was not coming in until the XX/XX/XXXX, I sent the company an e-mail and this is what XXXX responded : " If it is going to return back then we will need to decline your new loan request. We will notate your account and your other loan is still scheduled for the XX/XX/XXXX. '' I had a pending loan that I had tried taking out so I could have money for the holiday. This is my response : I just got the decline notice. That 's fine. I can try again after it clears on the XX/XX/XXXX. I just want to get a little extra before the holiday since I have no groceries. 

That being said, I was under the understanding that the payment would be taken out on the XX/XX/XXXX, not the XX/XX/XXXX. However when I checked my account on the XX/XX/XXXX, I found that I was overdrawn. The payment attempted to go through which resulted in a slew of overdraft fees, the cancellation of my online payments to the gas company and a state of financial dire straits until the deposit came in. Unfortunately, the majority of my planned deposit was taken by overdraft charges. I incurred about {$200.00} in overdraft fees because of this incident. 

Then, out of this last paycheck XX/XX/XXXX, XXXX payments were taken out from this company because of the returned payment which I had tried to avoid leaving me with precious little in my bank account to pay my rent, pay my utilities, get groceries, and other bills.
Consumer complaint received 2016-06-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (TX)

Customer made a timely payment to Ford Motor Credit on Thursday, XXXX XXXX, 2016 before XXXX eastern time. Payment was made by telephone ACH - bill matrix with confirmation number # XXXX. Ford did not credit the account correctly until XXXX XXXX. The account now reflects 31 days past due when it is not past due.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

We currently have our mortgage with Wells Fargo and were trying to refinance to cash out some equity so we could pay off some debt. Our loan was approved and we were instructed to close all of our credit cards accounts. We did as they asked, the property was appraised, and we thought it was a go until we were told three weeks in that our property was n't approved because of HOA blanket insurance. Now we do n't have access to a line of credit because we were told to close all our accounts and the closures will negatively affect our credit score. At the time this incident occurred the branch manager told us she had XXXX other customers in the same situation. If that 's the case, I would think she should have made sure the property was approved before asking us to close our accounts.
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This dispute and investigation is for TransUnion Credit Bureau. I had XXXX accounts with XXXX XXXX Bank as a XXXX in college. These cards were opened at separate times, XXXX in the XXXX XXXX and the other in XXXX XXXX. After losing my job at XXXX I maintained the cards for a little bit but eventually fell behind and let everything crash. The cards were delinquent by the end of XXXX of XXXX. TransUnion has it documented that the accounts were opened in XXXX and the other in XXXX which is completely inaccurate. The accounts are way older than that and should have been deleted no later than XXXX. I have disputed with TransUnion that the dates are inaccurate and that they be deleted but they failed to do a thorough investigation and to comply. TransUnion also is stating the accounts were being paid on time from XXXX to XXXX where then I fell behind which is also untrue. The accounts have been delinquent for years prior. I believe they were allowing the creditor to falsify documents and misconstrue payment history to have the continuous right to keep pursuing me. Also in XXXX XXXX TransUnion reported the same XXXX accounts as being current late payments that went from 30 days, to 60 days, then 90 days late and so on.How can they put old debt on my credit file as being new? I have been trying to acquire a home for myself for years now and these very XXXX accounts have held me back. How can TransUnion not recognize this debt as being old given that I was XXXX at the time and I am now XXXX. I just wanted to be done with the whole situation where they could n't drop my score anymore by citing " late payments '' so I paid the debt off earlier this year. These accounts still remain on my report and I DEMAND they BOTH be removed once and for all! I am also disputing the fact that they have XXXX reported on my credit file. This account should NEVER have been to collections because I was charged twice for this debt before it went to collections ( hence the lack of payment ) because I was n't paying a third time. I had it deleted from my credit file a couple times but as the debt holders changed TransUnion keeps allowing it to come back on my report as collections which effects my score drastically. I paid the " debt '' off AGAIN in XXXX XXXX just so it would n't appear again and to protect my credit score. This account still remains on my report and I DEMAND it be deleted!
Consumer complaint received 2016-11-25
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc (FL)

I am currently behind in my payments to Harley Davidson motor corporation. They call my phone 6-8 times a day and will not stop even after I have told them I am trying to get the money. This is starting to borderline the attorney point. If this continues I will seek an attorney and sue for damages and fees.
Consumer complaint received 2016-12-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SQUARETWO FINANCIAL CORPORATION (TN)

I paid XXXX credit card debts that originated from XXXX XXXX. 
Due to hardship both credit card accounts were later passed off to a collection group called XXXX. This collection agency hired a law firm named XXXX XXXX XXXX who filed a civil suit for settlement amounts and both accounts were paid in XXXX of 2012. Recently it was discovered that XXXX never reported the debts paid. If I had not kept my receipts all of these years I believe that I would struggling to prove the debts were paid. These debts were paid four years and because XXXX did not promptly report this that it greatly affected my credit. 
If I had not kept my receipts it would have been my word against them and I am certain that these debts would have showed up again for collection down the road.
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (ID)

My wife, who originally purchased this home from Wells Fargo Mortgage, has fallen ill with XXXX, and I took over her affairs. Wells Fargo, when we first applied for a " Modification '', accepted this fact, and has allowed me to work with them until now. They modified the Loan, and both myself, and my wife ( through the Court because I now have Power of Attorney ) signed all Contracts and Forms, including a Form to take their Mortgage Payment from out XXXX XXXX Account automatically. I stated, emphatically, that the payment must be taken out of our Account on the first day of the XXXX, not sooner, or later. To date, they have tried to take out a payment XXXX or 7 days after the first, which I thought had ben paid as agreed in the contract, and there was not enough funds to pay the Mortgage Note. I spoke to someone who stated they he was a XXXX Representative, and stated Wells Fargo has no control on when the payment would be taken from our Account, yet ; stated he would make sure to extend the payment until the next due date, and would take it out on the first day of XXXX. This time, the payment was sent to our XXXX XXXX 4 days before the end of XXXX, which obviously would mean the payment would be returned unpaid. Yesterday, I received XXXX different Notices from Well Fargo Bank stating our Loan would be in Default unless we paid them over {$1000.00}. After speaking to yet another person, they stated I would not be in Default if I made a payment on the first of XXXX. I stated I would do this, and the lady routed my call to their Payment Center. When I spoke to the Representative, she was somewhat rude and condescending when I started I would give her my Debit Card Number for them to take the payment on the first of XXXX. The Representative stated she would not accept my card because she did not see anywhere on the paperwork that would allow me the right to make payments on this Account. Plus, she stated that there was no evidence that I had Power of Attorney for my wife, and she refused to accept a payment from me. As I said in the beginning, I signed several Contracts, along with my wife, to Modify the Mortgage Loan, and had these Contract 's Notarized by the XXXX XXXX XXXX, as well as I have full access to my wife 's Mortgage Account. Therefore, this is an obvious attempt to harass and deny me the rights given to me by the Court, and as my wife 's Power of Attorney. If I am on the Paperwork, as well as on the Contracts with my legal Signature affixed, why would anyone at ells Fargo deny me the right to make a payment? This is very concerning to me since Wells Fargo has already shown either disdain, or just plain ignorance.to the fact that I personally signed and Notarized a Contract that stated they MUST take their payment on the first day of every month.
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Fall of XXXX, I applied and received XXXX Capital One credit cards. Less than a week after they arrived, I was contacted by Capital One to notify me of an internal breach and that new cards will be issued. The new cards were received and I began to use them for my XXXX businesses. XXXX XXXX, I was contacted by a collection agency asking for payment on a {$5000.00} loan taken out in my name in XXXX XXXX from XXXX. After a lengthy conversation with the collection agency personnel, I was told to go and file a police report and freeze my credit with the XXXX agencies to reduce the chance of this happening again. I went to the police department and filed a report and had my credit access frozen for 7 years. Shortly after, both Captial One credit cards were frozen and phone calls and letters were sent between a Capital One representative regarding this. I was asked to complete a form authorizing their auto-withdrawal of the current balance from my checking account on file, which was completed. When I asked when I would receive new cards, I was told that would occur later. The XXXX statements showed interest payments owed because Capital One did not take the auto payment out when the cards were frozen by Capital One. 1 ) I asked the interest be removed given it was Capital One who stopped the auto pay from the checking account. 2 ) I asked for new cards to be issued when Capital One decided to freeze my use even though I paid them off in full each month and never missed a payment and have over XXXX FICO score. I was told this evening by the Capital One representative that my accounts were set up as payment only and that I would need to re-apply for credit cards. I expressed my disappointment that Capital One and it appears it is doing this to be punitive for identifying Capital One as the point when my identity was stolen last fall XXXX in the police report. Since the Capital One internal breach someone has been trying to open numerous bank accounts throughout the country. It is not my doing that Capital One had customer data compromised by XXXX of its employees as was told to me by the first notification and announced in the business news.
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Recovery Systems, Ltd (OH)

In XXXX XXXX, I started receiving calls from a guy that claims his name is XXXX XXXX and is calling from a collection agency named Nationwide Recovery Systems. He claims that I owe {$44.00} to a company name XXXX Limited, but he has no further information about location or phone number for his client.The product is a supplement called XXXX XXXX and its regular price is {$130.00} He offered to settle for {$25.00} which I denied. I told him to stop calling, I never order that product and I was not going to pay anything. 
they called me several times, they claim the debt is for a trail sample ordered on XXXX XXXX, XXXX The guy had a strong accent either XXXX XXXX ( XXXX, XXXX or even XXXX XXXX, but I ca n't say for sure where from ), I did tell him that his accent did not much his name, but I could be wrong.
Consumer complaint received 2016-05-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, I am writing to dispute the negative credit report from XXXX XXXX XXXX, an affiliate ( dba ) of XXXX XXXX XXXX XXXX. The dispute is in regards to their unauthorized and fraudulent billing, unauthorized charges to my credit card and bank account, and fraudulent contract. I 'm requesting that the item they reported to XXXX, Experian, and XXXX be removed and corrected, my credit rating restored while an investigation proceeds, and no future reports be allowed from their company and/or affiliates on my personal or business credit reports. The parent company has a history of this same fraudulent business practice, and a lawsuit was filed in XXXX XXXX by New York Attorney General XXXX XXXX XXXX to which they settled and paid fines and restitution. The company has continued their fraudulent business practices and were recently sued again by the same New York Attorney General XXXX XXXX XXXX in XXXX XXXX. These links are both attached to support my position. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE (MI)

I was enrolled in Paymap, Inc. 's Equity Accelerator program through a variable mortgage I had with XXXX. I received a letter dated XXXX stating that a settlement had been reached between Paymap and the Consumer Financial Bureau ( AP File No. XXXX ) and I was due program fees, but had n't cashed the check yet. I had never received the check, but the letter included instructions to get a replacement check. I sent an email with the requested information to the appropriate email address on XXXX. I got an automated response saying that my request was received and being reviewed. It got to be XXXX and I had n't had any other correspondence from the company. I called again and the rep on the phone did n't have a lot of information other than that many replacement checks had n't gotten to people and I should submit my information to the email address again. I did this on XXXX, but got an automated response that the deadline for requesting a replacement check had passed. As a result, I am filing this complaint.
Consumer complaint received 2016-11-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

We were in Forbearance until I obtained a job making $ XXXX/hour Wells Fargo has consistently denied us th opportunity to return to regular payments they have placed the house into foreclosure and have made demands for {$26000.00} to return the payments. We believe that the bank 's staff has done this in the last two weeks following us filing a previous complaint with you guys. We received a call today, stating the {$6400.00} I make a month is not adequate salary for us to return to the $ XXXX/month mortgage. 
I tried to apply for a {$26000.00} loan to catch up the house, only to find out WELLS FARGO has been reporting late payments on my credit report since we 're on forbearance - so we are stuck in a large hole with no assistance from the bank. They wo n't return any of our calls. 

We believe that the decision was based more on the fact that there was a complaint filed, then our ability to resume payment regularly
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion had a glitch in there system that violated the rights of their consumers under section 6.11. A s a result, I have been gravely effected and my credit score is suffering as a result. No Notice was ever given which is also a violation. I am requesting that ALL inquires be removed. 
Creditor Name Type XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Union Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Union Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Home Furnishings Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Department & Variety Stores Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX