davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-27
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (FL)

XXXX/XXXX/XXXX GM FINANCIAL ACC # XXXX Late Dates : XXXX AUTO LEASE GMFINANCIAL XXXX XXXX XXXX XXXX, TX XXXX XXXX Dear GMFINANCIAL, I recently pulled my credit report from XXXX, XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account in GM FINANCIAL ACC # XXXX Late Dates : XXXX AUTO LEASE I immediately disputed this information with XXXX, XXXX and XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. 
Since I have disputed the lates with the credit bureaus, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Furthermore If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 

I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2015-12-16
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

I opened a CD with Apple Bank two years ago. 
The CD was set to mature on XXXX/XXXX/15. I did not receive any notice in the mail as would be expected. I went to the bank today to close out the CD and they told me it was too late, it was locked in again. They said it locked in after 5 days and did not care that no notice was issued prior. 
They wanted to force me to renew for another year and charged a high penalty.
Consumer complaint received 2016-02-11
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

Let me be clear. I have paid all my mortgage payments in full, to date. I bought my home in XXXX and immediately set up automatic direct debit every XXXX of the month to the mortgage company, XXXX XXXX. Sometime in XXXX, my loan was sold to Citibank, who expected a XXXX payment. I immediately contacted Citi, who assured me they would recover the funds from the previous lender. When this did not occur, I contacted XXXX XXXX, and was told the date, amount and tracking number of the wire transfer. I called Citibank, but still nothing. I made a very long conference call with the two, ( XXXX from Citi and XXXX XXXX from XXXX XXXX ). The Citi rep recorded the info of the transaction. XXXX also sent the info. Still nothing. Citi told me to fax my bank statement. They must have given me the wrong number as I spent about an hour faxing to a bad number. I repeatedly called Citi, which is always very time consuming and sometimes even impossible to connect. On one occasion, they informed me they had found some of my mortgage payment, but not all, and therefore would apply none. ( They would have never revealed this info, if I had n't asked ). Becoming increasingly aggravated, I told them, recovering the rest of this payment and the associated discrepancies is beyond my ability. I merely pay my bills and as I had no control over this transaction, Citi will have to find my money. I have helped as much as I can. Rather than directing their energies to finding the mortgage payment I made on XXXX XXXX, they have instead chosen to harass and threaten me. They call me at work, on vacation, ( verbally abusive ) send me threatening letters, to foreclose on my home, damage my credit rating, which would seriously jeopardize my job. I have spent so much time trying to solve what I consider their problem, and now they expect me to take time from work to meet them. I called a local branch to try to set up a meeting but was unable to get through. If there is a problem with XXXX XXXX, why am I in the middle? It 's not my field, I 've told them, repeatedly. They bought the loan and the associated payments. My job is very important to me, and right now I am way too bogged down, to get further involved in and stressed out correcting Citi 's incompetency and misconduct. In fact, when I do have time, I will look into getting this note into the hands of a more professional and respectful lender. ( By the way, the missing money amounts to about {$250.00}, which really does not justify Citi 's hostile behavior. )
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I got my credit report because I was thinking of purchasing a home for my mom, and when I got it I notice inaccurate accounts, I immediately filed a dispute with the XXXX major bureaus, Experian XXXX and XXXX XXXX. I listed the accounts I had a problem with. 
1XXXX- I explained that the account number they had on file was not my account number and my account was paid off through an insurance claim where the vehicle was totaled, I gave them my account number and the claim number of the settlement, the only agency that removed it was Experian, the other XXXX have refused and has allowed the data furnisher to update it so it remains on my report till XXXX, this is an account that is almost 10 years old. 2.A collection agency by the name of XXXX same people I was in a car accident in XX/XX/XXXX, I sued the trucking company who hit us, I gave the hospitals name and their bill to my lawyer two weeks after accident, mailed in the bill with the insurance from the trucking company they still turned it over to a collection agency who then placed it on my credit all ( XXXX ) on XX/XX/XXXX XXXX months after the accident I kept sending in the paperwork from my attorney and contacting them that an agreement was reached with the hospital and my attorney to pay upon settlement, no one listen it 's still there and when it was paid by my attorney in XXXX they updated it as paid but it was never suppose to be a collection, when an agreement was met between the parties to pay when the case was finalized. There are several other items that are being reported wrong on my credit report but I 'm tired and beat up from a constant battle for the last few months, against data furnishers that do n't report accurate information and the credit bureaus act like we consumers are always wrong and never look further into the issues, but allow this to go on. It seems as though consumers get the short end of the stick because we don'y pay for the service like the the creditors do.
Consumer complaint received 2015-12-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RS Clark and Associates, Inc. (TX)

I received a call on XXXX/XXXX/15 to my cell phone from RS Clark, they requested to speak with my wife. I got her onto the call and the representative gave her full date of birth and asked her to agree or disagree if that was her. She provided them permission to speak with me. I asked them to provide validation of the debt owed, they stated it is over a year old. I was told I would have to put any requests in writing and that they would mark the account as a refusal to pay. I informed them that I was not refusing but wanted verification on what was owed. The agent ended the call. I called back in and spoke with a supervisor. I was told they would not request information from the XXXX XXXX XXXX XXXX. I was told this would be reported on my wifes credit. When I asked specifically if they reported for XXXX XXXX XXXX XXXX, she would not say Yes or No. She would only say they are " a credit reporting agency ''. I was placed on a long hold, when she returned, I was informed they would no longer speak with me and they were ending the call. I asked again regarding the credit reporting for XXXX XXXX XXXX XXXX, and again they refused to answer.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MS)

This is concerning Ocwen Loan service, with my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I first started with a HAMP back in XX/XX/XXXX with XXXX for the person that was renting the home did not get any place with that XXXX kept getting paper work and keeping the rent money where they wanted to foreclosure I file bankruptcy. So we kept trying they kept asking for paper work that I kept sending in. Later they sent it to Ocwen by that time the person who wanted the house moved so I got some one else we start pay ing and still trying to get the modification going not place. So those people moved the last people tried every thing still no progress they asked me to turn it into a lawyer then nothing happen they asked us to get a reality we did, the reality been working with a buyer for just about three years with Ocwen on a short sale. Every time we turn something in we always get something we can not please Ocwen my file is big the reality file is big we were suppose on the short sale on XXXX XXXX XXXX next thing we new they were running it min the paper about Foreclosure, the lawyer called they said they did not say foreclosure I had cut it out of the paper got XXXX of the nurses to fax it to the lawyer I still have that copy. They gave me until XX/XX/XXXX to re submit everything I sent in my RMA the reality stated that her person had sad he was tire of Ocwen he had changed Please I need help I tried everything his mind but on to day which is XXXX XXXX, XXXX he was going to try again if this do not work he will not do it any more. He was going to pay cash for the house. I have tried every thing where am I to go from here if you need anything I can get UPS to send it to you Thanks We will work on one at a time My home house XXXX XXXX XXXX XXXX XXXX some of the same this but a little differ So I got to have some place to stay until I can get everything together. Please help me I am sick tire. The foreclosure was suppose to be XXXX XXXX XXXX but the lawyer called after he got my paper that was in the newpaper. I did not get a Foreclosure letter from a lawyer.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (CA)

I have had PHH mortgage since XXXX/XXXX/XXXX I have always made my payments on time and on and around XX/XX/XXXX I reached out to PHH to request a Loan Modification due to the fact that I had lost my business and was in a bad auto accident which did n't allow me to work as much as I used to in my younger days. The agent stated they could not help me because I was current and owned another property with them, the agent recommended for me to fall behind on XXXX homes so I can be reviewed for a loan modification. My other home XXXX was foreclosed on by PHH mortgage on XXXX/XXXX/XXXX. The home was up for sale and this information was communicated with PHH and they agreed to stop the date but they still foreclosed on the home. Now they are trying to foreclose on my primary residence were me and my wife reside. We applied for a loan modification several times and agree they have all documents then in 2-3 weeks they request the same information from us. We feel they will foreclose on our last home me and my wife owned If we do not get help now. Our foreclosure is scheduled for XXXX/XXXX/XXXX @ XXXX. I feel since I was under review for loan modification PHH mortgage is in violation of the California Home owners Bill of Right law which is set to protect us from issues such as this.
Consumer complaint received 2016-01-04
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Today, XX/XX/XXXX, the bank seized my entire account, due to a debt my wife owed some 18 years ago. One she has no idea about. She has sent letters to the Superior Court of NJ and to the law offices asking for clarity. I never received a seizure notice, and find it unfair that the only monies in my account are those that I have earned under my name, not my wife, who has been ill since XX/XX/XXXX ; and ill most of her life, and would have never been able to open up a credit card, because she has never worked a full time job in her life. I have proof that all of the monies in my account are checks for me, and only me. My wife 's name is XXXX XXXX, and my name is XXXX XXXX. We are already facing hardship, and this will make it worse, as I will not be able to go to work or feed my family and ill wife.
Consumer complaint received 2015-09-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (MD)

I purchased a XXXX vehicle in XXXX of this year. I think I may have been a victim of discriminatory auto loan pricing. I have a relatively high interest rate and was quoted a down payment. Then later the next day I was required to make an additional down payment.
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NV)

We paid off our Citi Bank XXXX in XXXX XXXX and over paid the account by {$600.00}. On XXXX XXXX we requested a refund for which we where told by Citibank that they would mail out a refund check for {$600.00} to arrive within XXXX business days. We did not receive a check so on XXXX XXXX we again requested the due refund and gave our checking account routing & account numbers for a direct deposit. AS of today XXXX XXXX, XXXX we still have not received a refund from Citibank. We recontacted today XXXX XXXX, XXXX and again requested our refund. Citibank account manager XXXX advised that she has opened an investigation into the matter. This is not acceptable.
Consumer complaint received 2015-04-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (FL)

I am XXXX XXXX XXXX XXXX and XXXX XXXX veteran and have lived at my address since XX/XX/XXXX. divorced from XXXX XXXX XXXX XXXX XX/XX/XXXX in XXXX XXXX a few years ago bills from my ex for which I have no connection, bills were created after my divorce, were being sent to my family in XXXX XXXX, he has never lived at that address. they stopped sending them there. Now Bills are appearing at my current address. He had never lived here in fact I purchased the house after 8 years after my divorce in XXXX. I do not understand why these people continue to torment me when I have nothing to do with this person. I do n't know where he lives or anything about him. XXXX I received mail from XXXX XXXX XXXX # XXXX who bought the {$15000.00} debt from XXXX XXXX ... .**************** now I received mail from First National Collection Bureau XXXX # XXXX. I think for me a XXXX vet with XXXX ... this breach of my privacy is unconscionable. he has no connection to me and I feel violated
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MA)

the information on my credit score is all over 7-10 years old i got hurt at work XX/XX/XXXX and tried to go back to work XX/XX/XXXX but could not now i am trying to go back to work again and this credit score will not let me do any thing i have to work for myself because my injury makes me very unreliable why does n't workmens comp take care of me why do i have to have social security pay me not even near what i was making this country does not take care of its working men when they get hurt on the job i worked hard all my life i was getting ready to retire now i am homeless and have nothing
Consumer complaint received 2015-04-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (CA)

Hello, About almost XXXX years ago my husband and I lost our home that was financed by Flagstar bank. We tried for about a year to try to modify our home with unanswered questions. They asked for paper work, we sent it. They kept asking for the same information over and over and over. They seemed to want to help us but once they received everything they asked for they said it was too late. I have faxed papers over and over and over and even had different agencies trying to help me modifiy my loan. Nothing was done and my home was foreclosed on. We did not want to lose our home and tried everything in our power to try and save it. Whatever they asked we did. From papers being notorized to simple bank statements. they received it all. They kept sending the same request over and over and we kept sending everything. They did nothing. This bank had no intentions in letting us modify are loan and its plane simple and wrong.
Consumer complaint received 2016-02-12
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

Accepted unemployment forbearance from lender JP Morgan Chase. I was told that credit reporting would be suspended during forbearance period of months of XXXX 2015 - XXXX 2015. Unfortunately, Chase reported my mortgage 30 days late for XXXX 2015 and 60 days late for XXXX 2015. I was under impression the unemployment forbearance gave a borrower a period of time of reduced payments to allow time to regain employment and pay the mortgage current? The mortgage was paid current at end of forbearance period in XXXX 2015. If knew in advance that the mortgage would be reported late during forbearance period, I would have not accepted the forbearance. There is bad faith on either JP Morgan Chase 's part or by the VA/government guidelines in explaining the unemployment forbearance? There should be a disclosure that states " negative credit reporting WILL result '' in accepting the forbearance.
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (SC)

Dear Sirs : I was the holder of an American Express ( AMEX ) Corporate Card at the request of my employer. My final payment on this account ( which is now a closed account ) exceeded the amount due by {$190.00}. That is the credit balance American Express has agreed that I overpaid. American Express communicated to me, on at least XXXX occasions that They would promptly be issuing me a refund. AMEX employee ident. # s and dates : XXXX XXXX/XXXX/15 ; XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15 ; XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15 ; XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15. All of these AMEX customer service employees gave me different dates and commitments for when my check was sent to me and when I should expect to receive it. I just learned today that AMEX mailed my refund to my former employer ( XXXX ). They state that my card member agreement provides them the right to do this. The Card member agreement that accompanied my card, AMEX document XXXX # XXXX does not communicate this provision. In fact it states that I am solely responsible for all transactions and charges associated with the card ( section XXXX ). If there is a document that communicates this feature guiding any card member refunds it was not disclosed to the card member. I would appreciate a full investigation of the behavior of AMEX for lying to card members, improper card member disclosure and failure to return an overpayment in an inactive account to the responsible cardholder.
Consumer complaint received 2015-12-17
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I 'm not sure I selected the correct option, but I would like help in solving the following problem. On XXXX XXXX, 2015, I received an alert from the XXXX credit monitoring service I subscribe to. The notice stated that I had a new hard inquiry on my credit report. I immediately contacted XXXX to dispute the error. The representative I spoke with stated that I needed to contact the creditor Cash Central and that they would need to contact XXXX. When I contacted Cash Central, I was told that I did not have a loan with them, or submit an application, but that a third party provided my information to them. Cash Central put in a request for someone to contact me. During the phone call I explained that I did apply for a loan from Cash Central nor did I give permission for my credit to be pulled. I advised that XXXX has the credit inquiry listed as a hard inquiry on my credit and that I would like it corrected. 

On XXXX/XXXX/15 I received the following email response : Dear XXXX XXXX, We are in receipt of your dispute regarding a credit inquiry by Cash Central. Cash Central was forwarded your application information for a loan from a Lead Provider. The application was declined and no loans have been requested in your name. 

Under the terms of the Fair Credit Reporting Act, Cash Central can obtain credit report information regarding customers when ( 1 ) the credit report information was pulled in connection with a credit transaction involving the customer and a request for an extension of credit, and ( 2 ) Cash Central otherwise had a legitimate business need for the information. 

Your application was forwarded to us in a manner that permits us to take the steps needed to complete verification of the applicant, including, by way of example, referring to databases containing consumer information and pulling credit reports. 

If you would like further information on the lead provider in which Cash Central obtained your information, please contact me directly. 

Sincerely, XXXX XXXX Cash Central XXXX XXXXXXXXXXXX I then sent the following response : Good Evening XXXX XXXX, Thanks so much for the quick response, but I 'm not sure I fully understand the response. XXXX listed Cash Central as a hard inquiry on my credit report, but I did not apply for credit from Cash Central or any other company on Saturday, XXXX XXXX. Nor did I give permission for my credit to be pulled by Cash Central and XXXX will not remove the inquiry from my credit report until your company provides me with a letter, or contacts them. Please help!! 

In addition, what is the name of the lead provider as I would like to contact them as well. 

Thanks in advance for your response, XXXX XXXX Please help!! Is Cash Central able to pull a hard inquiry of my credit report without my permission. I am in the process of rebuilding my credit and do not wish to have my credit pulled without my permission.
Consumer complaint received 2016-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (ID)

This is the third time I 've typed this and it has disappeared. 
So briefly my husband died in XXXX 2013 and he was the only one on the loan. I contacted Wells Fargo and submitted all the paperwork for a loan modification because of hardship. They returned the paperwork stating that since the loan was not in my name I need complete the paperwork for a Non-qualifying Assumption. I did so as I recovered from XXXX XXXX XX/XX/XXXX. I then got all my paperwork back saying I missed the deadline by 9 days. They recieved my paperwork on XXXX. I was never told there was a deadline. I filled out the paperwork as quickly as I could. I then had to assume the loan with a credit qualifying assumption. At the time it was impossible. I would appreciate some help on the matter.