davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-16
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Per a class Action Law Suit and Settlement Case # XXXX. Represented by XXXX XXXX, XXXX, MD I was included in a XXXX XXXX dollar Settlement won against Capital One Auto Finance for illegal practices re : Repossession by a Md Court Order. The Settlement was finalized in XXXX 2015. I have clear documentation that states that as part of the settlement ; derogatory, negative information will be removed for Plaintiffs and replaced with Positive Credit reporting via all XXXX credit bureaus. I am hopeful to upload this document for your review, in the event that is not possible please search XXXX Settlement and this has all the details. This is not private information and even more surprising that I to date HAVE ALL NEGATIVE REPORTING FROM CAPITOL ONE AUTO FINANCE AT THIS LATE DATE. The most disturbing part is as a consumer I have been harmed by recently being DENIEDCREDIT! In seeking Legal Counsel this is UNACCEPTABLE! I have tried to no resolve reaching XXXX XXXX whom I spoke to once and he ALSO confirmed this should have been resolved, I called endlessly to the Law Firm that handled the case for Capitol One, XXXX XXXX, XXXX ( XXXX ) XXXX I was bounced from voicemail to voicemail and completely ignored. I tried all attorneys mentioned in public documents regarding Capitol One and this Settlement! I reached all XXXX bureaus begging, calling daily all noted in phone records, for help launching several investigations and disputes only for them to come back saying Capitol One CONFIRMED THE NEGATIVE INFORMATION! This is completely exhausting and just down right wrong. It may not matter to anyone but it is impacting ME! as I can not sleep at night and am suffering XXXX over an issue that should have been resolved Months Ago by Court Order. The Bureaus collectively show NO EFFORT OR CONCERN AND HAVE DROPPED THE BALL! I HAVE SUPPLIED THAT SAME DOCUMENTATION MENTIONED HERE BUT no RESOLVE. I CAN NOT AFFORD AN ATTORNEY TO FIGHT THIS BUT VOW TO FIND SOMEONE THAT WILL ASSIST. This is not right!! Please assist! My credit report for ALL XXXX bureaus after careful research should read as follows : CAPITOL ONE AUTO FINANCE, INSTALLMENT LOAN, HIGH CREDIT {$18000.00}, PAID AS AGREED, SHOWING NOT LATE STATUS! Any efforts towards expeditious resolution in this matter is GREATLY appreciated. THIS IS NOT A MATTER THAT CAN WAIT THE NORMAL 30 DAY PROCESS I HAVE AN APPLICATION PENDING AND THIS SHOULD HAVE BEEN RESOLVED MONTHS AGO. I NEED UPPER MANAGEMENT TO TAKE CHARGE AND GET THIS STRAIGHT. I at this point not only have anguish over this but now have damages as I have spent numerous hours of time calling, scanning, printing, downloading reports, postage, mailings etc. I am beyond livid as this is UNACCEPTABLE. ITS ALL IN WRITING BY COURT ORDER! COMPLETELY EXHAUSTED AND IN DISBELIEF.
Consumer complaint received 2015-09-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AZ)

XX/XX/XXXX Husband got a XXXX XXXX credit card. Account ending XXXX Wife never signed for the XXXX XXXX cardXX/XX/XXXX XXXX XXXX was seized by Federal and They went Bankrupt then XXXX Bank bought their debt. 
never had a credit card from XXXX and XXXX Card did not work after the XX/XX/XXXX XXXX working under XXXX XXXX XXXX XXXX account ending in*XXXXoffered a 40 % off of $ XXXX $ XXXXXX/XX/XXXX paid {$1000.00} then the rest over a 6 month period XX/XX/XXXX paid {$100.00} XXXX paid {$56.00} XXXX paid {$60.00} then called XXXX said owed still owed $ XXXX paid $ XXXX paid {$60.00} then said i owe another $ XXXX paid $ XXXX not ever receive a settlement XXXX closed down tried to contact them all number disconnectedXX/XX/XXXX XXXX sent letter that I owe Current Creditor XXXX XXXX XXXX XXXX # ending XXXX amount {$960.00} Sent a list of payments on the Account ending # XXXX Midland Credit Management, Inc sent a leter they bought XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX and they demand payment of $ XXXXXX/XX/XXXX Now Midland put Summons on my wife, which never sign or on the card to begin with! 
This is a never ending story. People not doing their job with final settlements and diffent companies buying bad dept.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (OK)

While applying for a mortgage refinance in 2013, Quicken Loans misrepresented my credit score by XXXX points on all XXXX credit bureaus and suggested that I enroll in their XXXX XXXX Program at a cost of {$200.00} plus dollars. While being guaranteed that the costs would go towards closing should I apply. I inquired about the discrepancy in the scores and was told that the scores I see for my personal credit monitoring is different than the score they see. While I had a qualifying score initially, my score was increased by satisfying some small debts ... However, each quicken loan representative I spoke with subsequent, refused to process my application without an additional cash payment. I can include names and contact numbers of those involved in this process.
Consumer complaint received 2024-11-23
Product: Credit reporting 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. (GA)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2015-12-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (OH)

When I signed up for my checking account with Chase, I specifically opted out of overdraft protection as I did not want to incur any overdraft fees. I specifically asked when I signed up to make sure that charges would not go through if I did not have the funds in the account. 

After I signed up for my account, I learned about " insufficient funds '' fees and how those are different than " overdraft fees ''. If you pay some of your monthly bills automatically, but if you do n't have the funds in your account, the bill payment will still go through, and Chase charges you the " insufficient funds '' fee of {$34.00} per occurrence regardless of the amount you over drafted your account. 

I honestly do n't see the distinction between overdraft fees and insufficient funds fees ; it 's the exact same thing with a different name. I would rather pay a bill a day or XXXX late and incur a small late fee with whatever utility company than be charged a {$34.00} fee. 

Furthermore, I honestly believe Chase 's practice of clearing pending charges at XXXX at night and then having any direct deposit come in shortly after XXXX is an Unfair, Deceptive, or Abusive Act or Practice. There have been times where I have had a charge go through at XXXX, incurred insufficient fund fees, and then have a paycheck be deposited at XXXX. In the span of 3 minutes, I have incurred {$100.00} in insufficient funds fees and then have hundreds of dollars deposited din my account.
Consumer complaint received 2015-12-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

The purpose of this letter is to formally notify Carrington Mortgage Services ( CMS ) that the hazard insurance premium payment was incorrectly calculated at the time of determining my qualifying modified total ( PITI ) mortgage payment. This results in me actually having to pay {$200.00} more than the determined qualifying payment amount. CMS has the annual insurance premium amount incorrect on their documents. CMS incorrectly calculated an annual hazard insurance premium based on half of the actual premium amount ( {$1400.00} ) when the total annual premium is actually {$3400.00}. CMS used the 1/2 premium mid year amount and divided by 12 months, versus the actual annual premium amount. CMS determined my total PITI modified payment to be {$1700.00} based on this incorrect figure. Using the correct insurance payment of {$290.00}, as identified in the insurance billing and the modification request package, would result in a lower P & I payment to be equivalent to the {$1700.00} PITI payment. I am requesting the P & I payment be reduced to reflect the correct PITI amount of {$1700.00} as agreed, with the correct hazard insurance payment amount. Not doing so will result in my escrows being insufficient and resulting in me paying a much higher mortgage payment that I can not afford.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (AZ)

We have been having issues, the same ones for years. 
We paid our escrow total and they misapplied the funds. 
we paid XXXX to principle and they misapplied the funds-AGAIN. 
We have tried to contact their ombudsman and she sent us to another person who will now not respond. sent a letter to the XXXX and the XXXX of XXXX NC. 
Please help. we are seniors and can not afford for them to take our money when we are try to pay off the loan.
Consumer complaint received 2015-11-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stephens and Michaels Associates, Inc. (FL)

A man named XXXX XXXX from Steven and Michealson Associates keeps calling me regarding a debt that I do not know anything about. He keeps persistently trying to tell me that I work for some company that I DO NOT WORK FOR! He is harassing me and my family. He calls numerous times despite me informing h I do not know what he 's talking about. He leaves numerous voicemails daily on my personal cell phone. This is outrageous and needs to be stopped
Consumer complaint received 2015-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I refinanced my primary residence under HARP in XXXX 2012. My loan was with Bank Of America. I was underwater more than 125 %. I was coerced into getting the refinance loan from bank Of America. XXXX XXXX was the loan officer at BOA. I was constantly told that only BOA is allowed to refinance as I am underwater 125 %. And, they gave me a very high rate. When the market rate was 3.5 % I was offered over 4.5 %. I had no option but to pay more than 1 % point fees to get 4 % rate to reduce my monthly payment. During the whole process I was told to hurry because the program will end soon. I felt like cheated. I wrote to XXXX back in XXXX 2012 about my concern and she never responded. I wanted to file a complain in XXXX but got too busy with my life.
Consumer complaint received 2015-12-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WA)

Hi, There is a foreclosure sale date set on my property for XXXX/XXXX/15. I have tried to request postponement and the lender has denied the request. I just received an offer on the property XXXX/XXXX/15. I have sent a copy into the lenders. I know this is very short notice but I 'm asking for you to help me with postponing the foreclosure if possible. My XXXX failed and I 've had to relocate to find other work to make a living. I feel that a short sale is the best option for everyone at this time and will appreciate anything you can do to help me.
Consumer complaint received 2015-12-16
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (TX)

Asked XXXX Chase credit card company to change date of payment for bill to show up with all my other bills. They said they would do so. Subsequently, I missed timely payment by one day. They had not made the change they said they would. Ask for a refund of late fee + interest. They absolutely will not provide me with a credit. I paid my bill in full minus the penalties + interest and card was canceled plus my points voided. Asked again for balance to be zeroed out. They not only will not do so but they have been incredibly and consistently rude and insulting. I have called XXXX. They will not do anything. They ( Chase Bank USA NA ) are now compounding the penalties and interest. They truly seem to enjoy telling me " there is nothing we can do '' and seem in utter delight to belittle and insult me. ( " You have been previously been informed of our rules, have n't you? '' " I know you 've been refused on this before.. '' for example. ) I do n't understand why they are so interested in generating ill will. I do n't understand this commitment to punish and humiliate a formerly good customer. I would like to hereby issue a formal complaint.
Consumer complaint received 2016-01-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (ME)

I have been trying to complete a deed in lieu of foreclosure on my property of nearly three years. I filed Bankruptcy in XXXX of XXXX ( XXXX in XXXX XXXX ). At the time my mortgage was with XXXX XXXX XXXX. Not long after my discharge XXXX sold my mortgage to XXXX XXXX XXXX Bank, who then sold it to Caliber Home Loans in XXXX of XXXX. Even though I had tried multiple to times to turn the home over, I immediately contacted Caliber to try again as soon as I received word that they were the new holders of the mortgage. I did this even though I was no longer financially responsible for the note due to my discharge from bankruptcy. Not only did each company along the way continue to call me in an effort to collect the debt ( against the law ), I have had the worst time trying to simply move on with my life by completing a deed in lieu. Once I contacted Caliber and completed the paperwork for the first time, they sent someone out to the property to inspect / appraise it. At the time they were unable to do anything because they stated there were people living in the property ( squatters ). They told me I needed to have them evicted. The building became vacant between XXXX XXXX and XXXX XXXX and I have still been trying to complete a deed in lieu. My attorney has had multiple contacts with Caliber to no avail. The have stated they did n't have all of the information they needed, so we sent them more. Then they said I had a sewer lien, so I contacted the city on a Friday. The city said there was no lien, but one would be placed the following Monday. Caliber at that point agreed to pay the approximately {$450.00} lien in exchange for a reduced relocation fee. I gladly agreed and waited for my paperwork, which never came. After more agonizing time goes by I received a call from my account manager who advised me now that there was a $ XXXX lien on the property. Why this never showed up before, I do n't know. I was advised the loan was taken out in XXXX, which was difficult seeing I did n't buy the house until XXXX. I dug in and contacted the title company that performed my closing. The attorney for the seller apparently never filed the discharge for that lien, though the loan had been paid. After about two months, I finally received a copy of the discharge and forwarded it to my attorney who then forwarded it to Caliber. This was on XXXX XXXX, XXXX. To date, neither my attorney, nor myself have heard from Caliber regarding my deed in lieu. My patience is wearing thin. It has been 2 1/2 years since I filed bankruptcy and I still have a house hanging over my head. I truly want nothing more than to move on with my life. Please help!!
Consumer complaint received 2015-09-15
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Neon Newco Corporation (CA)

My account, as well as at least two others belonging to my friends were debited a " Account Maintenance Fee '' on the same date XXXX/XXXX/15. These accounts are enrolled in NetSpend " Pay As You Go Plan '', therefore should not be charged a monthly fee. In the previous months no Account Maintenance Fees were deducted from these accounts, only for XXXX.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The XXXX XXXX XXXX account was paid as agreed and has a XXXX balance but shows charged off with a balance.on Experian and XXXX they will not update even after I uploaded the proof! The Credit acceptance account shows a balance and repossession this was a dealer endorse contract and is the dealers responsibility not mine thus the reporting is in accurate the credit reporting agency have failed to remove this from my report even after proof was submitted also credit acceptance required me to purchase an overpriced warranty to obtain financing which is illegal in Texas
Consumer complaint received 2015-12-18
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (AE)

1. I rent a car in XXXX and pay rental by Chase Credit Card 2. Rental car company uses my Chase Credit Card to charge additional fraudulent {$250.00} 3. I dispute fraudulent {$250.00} with Chase. 
4. Chase deny my dispute and re-instate fraudulent {$250.00} charge
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX*Subject : ** Dispute of Fraudulent Accounts Dear To Whom It May Concern ], I am writing to formally dispute the following accounts that appear on my credit report as fraudulent. I did not open these accounts, nor did I authorize anyone to do so on my behalf. Additionally, I have been living outside the United States since XXXX and could not have opened or used these accounts. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} These accounts were opened and used without my knowledge or consent, and the associated balances and activity are fraudulent. Your institutions failure to properly verify the identity of the individual ( s ) opening these accounts has caused significant harm to my credit report and financial standing. 

Under the **Fair Credit Reporting Act ( FCRA ) ** and other applicable laws, I am requesting the immediate investigation and removal of these accounts from my credit report. I expect a response within XXXX days**, as required by law. Failure to act within this timeframe will leave me no choice but to pursue legal action to hold your institution accountable for the damage caused by your negligence. 

To assist with your investigation, I am enclosing : - A copy of my government-issued ID ( e.g., passport ) - A copy of my credit report highlighting the fraudulent accounts Please confirm in writing that these accounts have been removed from my credit report and that no further collections or negative reporting will be associated with them. 

I trust this matter will be resolved promptly. Should you require further information or documentation, you may contact me via phone at XXXX Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX, I entered into a disaster forbearance, due to a storm in XXXX. Prior to the forbearance ended, I called on XX/XX/XXXX to apply for resolution to the forbearance. I was told the process was an application, which I completed over the phone. On XX/XX/XXXX, I called back and was told I was put into another forbearance. I asked that I be reevaluated for other programs. I again did an application over the phone. I was assured that I was in loss mitigation and that my credit report would not be affected during this process. I called again on XX/XX/XXXX for a status update, I was told the application that was supposed to be done on XX/XX/XXXX was not done and I had to do another one, which I did. On XX/XX/XXXX, this same thing happened again ; again on XX/XX/XXXX I went through the same process again after I received approval for the Stand Alone Partial Claim twice, and it was not honored either time. On XX/XX/XXXX, I called after returning the acceptance of the Partial Claim and was told I was put back in a forbearance. Each time I spoke with my mortgage company I asked about my credit and was assured that I would not be affected because I was in this process. On XX/XX/XXXX, I called after finding out that it has been reported that I was delinquent on my credit report and was on hold for XXXX hour and XXXX minutes for a supervisor, the supervisor answered and put me back on hold. I was then told that she would get back to me within XXXX. I have not received a call back to date. My credit is still affected and my issue with the forbearance remains.
Consumer complaint received 2015-04-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Arbor Residential Mortgage LLC (TX)

we purchased a manufactured home in XXXX and obtained fha financing. To date-Tax records do not show our property as real property- they only have it listed for XXXX for the land value. We have tried since XXXX to get the original mortgage company ( XXXX ) to correct documents and file with the tax office. Until this is completed we are not able to file for homestead or over XXXX exemption. We also applied for a loss mitigation and were denied due to unresolved liens shown on the title search. all of the liens showing were for similar names and not ours but they were unable to correct the deeds and used that as excuse for denying the loan. They were already in the process of trying to foreclose but were not able due to title issue. in XXXX XXXX, we were sued by XXXX XXXX, Tx for unpaid taxes on the manufacutured home which was still listed in the previous owners name. We could not get XXXX to pay the taxes until we contacted HUD. they in turn contacted XXXX and told them they needed to pay the taxes. In order not to lose our home we had to file chapter XXXX bk and started making payments again. Once our loan was sold to Loan Care- our payments were increased from XXXX to XXXX due to the escrow shortgage, We were not able to pay the increased amount. Once loan was sold to Seneca, Our payment were then again dropped back to XXXX, But they would not allow us to make payment unless we paid the full arreage. They will also not speak with us since we have filed Chapter XXXX and state they can only talk to Trustee for BK- So here we are 5 years later without a home listed in the tax records. I have attached copies of all tax records, letters, petition for suit.