davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (IN)

The main issue with the company is the amount they set my escrow account at.
I built a new home and closed inXX/XX/XXXX My loan was transferred to LoanCare 2 months after I closed.
I have been trying to resolve the issue sinceXX/XX/XXXX and I get no help from them. Here is the issue, Because the home is new construction I wont have to pay my full property taxes until XX/XX/XXXX forXX/XX/XXXX ( this was verified and communicated to LoanCare, they even called the county tax department and verified this ) so for this year my escrow should be {$1000.00}, {$750.00} for my insurance, {$100.00} for the land property tax and a small slush fund that some companies require for both this year and XX/XX/XXXX.
Instead they have my escrow at {$460.00} a month, which I cant afford a {$2000.00} payment. My P & I is a little over {$1400.00} which when I had the home built I had asked about the amount of my taxes with the county to make sure I could afford the total payment and because I am a XXXX Vet I get a discount off my assessment of my home. So in XX/XX/XXXXwhen my property taxes will come into effect, my taxes will only be no more than {$1600.00}, instead of {$2700.00} a year.
I have asked for an escrow adjustment, this like I said been going on with them since XX/XX/XXXX. They did it and raised my escrow payment even more. I now have over $ 4k in my escrow and am behind about 3k in payments which I would actually be up to date on my payments if they would make the adjustment and apply like I have been asking the extra 3k to my loan. What Loancare does is seeing I am only paying them {$1400.00} each month as I cant afford the escrow payment and they will not adjust it to the correct amount, they keep my monthly payment in an escrow account and wont apply any of the funds to my loan until they get the next payment and finally gets the total payment asked for.
I was told when I talked to them that because I was n't paying MIP I could close my escrow account and handle it on my own, I only had to send in an email asking for that and they would send me the paperwork. I did that and got a letter from them saying that because I was 30 days late on my payments I could n't close my escrow which is their fault not mine.
I am to the end of my rope, and I need help from someone to resolve this issue before I lose my home and am homeless. Loan Care is the worst company I have ever dealt with in my XXXX  years. I have owned 2 other homes and never had an issue like this.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-09-19
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

I opened several personal 7 month personal CD accounts for my minor relatives at Chase NA on XX/XX/XXXX in the amount of XXXX each. The accounts were moved to the XXXX Comptrollers abandonded Funds Account. On XX/XX/XXXX I went through he process of locating my funds for the XXXX accounts. XXXX of the accounts were delivered in full when the grown up minors processed the request. In one of the accounts the amount returned from the abandoned funds account ( XX/XX/XXXX ) was XXXX instead of the full amount of XXXX. We have not been able to get an answer as to what happened to the balance of our money. I never took any withdrawals so I do not understand how my money was reduced and returned to me as a XXXX check from the NYSComptroller Abandoned Funds Account. I put XXXX into the CD on XX/XX/XXXX with standing instructions to " credit to CD and at Maturity, add it to the Principal and renew XXXX. I never took any withdrawals so I do not understand how my money was reduced and returned to me 0n XX/XX/XXXX as a XXXX check from the NYSComptroller Abandoned Funds Account.I need to get the balance of my money.
Consumer complaint received 2017-08-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (CA)

Have a court order since XXXX XXXX 2011 Court found it on my favor. Ever since the apartmentd XXXX are putting me on collection for the amount of {$1800.00}. 
They have not removed it. Even when I have proof and summit to my credit bureau.
Consumer complaint received 2017-08-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

in XX/XX/XXXXwe were doing banking at our local 5/3. An extremely aggressive loan officer approached us & asked if we were interested in equity lines. We were n't but sounded intriguing. Long story short we took out lines on several paid up properties that we owned. NO appraisals were ever done. In retrospect WORST MISTAKE OF OUR LIFE!
We have faithfully paid on these for 13 years. We are in our XXXX 's & now difficult to make these payments. We asked 5/3 for help. We worked with XXXX XXXX, Office of the President & it truly sounded as if we could get relief. We jumped through hoops & completed all of the requirements for a loan modification. Worked with XXXX XXXX, Senior Vice President -- all along he said our application was pending. We had 3 equity lines which for sure most likely were fraudulently appraised -- or not appraised at all. We have articles showing that 5/3 made bad loans between XX/XX/XXXXtoXX/XX/XXXX In return 5/3 accepted {$3.00} billion in federal money from the Troubled Asset Relief Program.
These properties will NOT go into foreclosure but it is extremely difficult to make these payments -- In return 5/3 has raised our interest rate THREE TIMES since we began the loan modification process.
We asked for either a loan principal reduction or at least reduced interest rate. THEY HAVE NOT OFFERED ANY HELP AT ALL!! Please we are hoping you can get through to 5/3.
Consumer complaint received 2016-05-01
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (MN)

Sometime in the XXXX to XXXX week of XXXX, 2016, I applied for the Sam 's Club XXXX. On XXXX/XXXX/2016 I received a response from Synchrony Bank stating that they were denying my application due to the following reason : " BANKRUPTCY PROCEEDING, CREDIT COUNSELING OR CREDITOR SETTLEMENT ''. I have reviewed the latest copies of all three of my credit reports and none of them reflect any of the above whatsoever. I do not have any bankruptcies, nor have I had any credit counseling or creditor settlements. I monitor my credit reports monthly so if any such information was present I would know about it. I wrote Synchrony Bank a letter on XXXX/XXXX/2016 asking that to please either provide the " current '' credit report that shows this information or to please reconsider my application. I never got any response from Synchrony Bank. It seems very unfair to have a financial institution use inaccurate information against me in determining my financial creditworthiness. I even wonder if it is legal for them to state such reasons which are simply not accurate according to all XXXX of my credit reports.
Consumer complaint received 2017-02-23
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a capital 1 credit card. I was faithfully paying it until my business failed a year or so ago I stopped paying for a while then got back on track when I got a part time job. My payment due date is the XXXX of every month. In XXXX, it got there on the XXXX, XXXX on the XXXX and XXXX on the XXXX. Sometimes, I pay from my bank account and sometimes from capital 1 site. The then decided to send my interest up to XXXX % which is rediculously high. Causing an interest of {$440.00} a month and a total payment of {$570.00} per month. Last year, I had asked capital 1 to settle when I had just come with a bit of money but they refused to do so. Unfortunately, I can no longer pay them as they do not want to work with my current financial situation. This hike is inreasonable.
Consumer complaint received 2016-10-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation (TX)

We had recently signed up with First Data to process credit cards. On XXXX/XXXX/16 we ran XXXX transactions totaling {$25000.00}. After a week, the money was still not debited to our bank account. I called customer service who directed me to risk management. After several days of calling and leaving messages, I reached XXXX who said they had closed our account because the phone number she had for us did n't work. She said they could not re-open our account and the money was in a holding account. I asked how we could get the money out of the holding account, and she finally said she would refund the money to the customers. After a week went by and the customers had not received refunds, I started trying to reach XXXX again ( as well as her manager ). On XXXX XXXX she finally called me back and told me the computer would n't let her refund the money, so she was going to try to process it through to us, but she needed copies of the invoices with the customer contact information to do so. I emailed them to her that same day along with a request to acknowledge receipt of them. I have not heard back from her since, despite leaving messages with XXXX and her manager nearly every day since then. They are still holding the money.
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

In XXXX XXXX, XXXX I pullet out my credit report from Equifax website because I wanted to buy a car as you can see on the attached credit report my credit score was XXXX I went to several dealers they pulled up my credit report but was n't able to see my credit score you can see that on the Auto Dealer credit report attachment, I called Equifax and they told me was a problem with the dealer 's system ; at that time I was n't able to buy a car because nobody could n't see my credit score even when I was showing them my credit report and score print out from Equifax website. but as you can see on the attached current credit report the credit inquires from that time dropped down my credit score because of Equifax not showing my credit score to the creditors So I was n't able to buy a car with my credit but my score when down anyways, that is ridiculous after that I tried to open a checking account in a credit on XXXX XXXX and same thing was n't able to see my score one more time I called Equifax and they told me that is a problem with XXXX ; but as you can see I have a credit score that only me is able to see. and after more than year and half still having problems trying I talked to Equifax several times and no solutions for my situation always have an excuse and is nothing to do with them. Please I hope you can help me with this matter that is damaged and bother me for so long. Thank you.
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My mortgage loan was transferred to XXXX. During the time my loan was with XXXX, they made no real attempt or good faith effort in trying to help me make continue where I left off with XXXX. I paid XXXX over {$7000.00} ( PITI ) during the trial period. I even made two ( 2 ) additional payments because the trial was three ( 3 ) months as I made a total of five ( 5 ) payments. 
I sent the requested documents for a modification to XXXX several times as the representatives would say they did not get them, which I do n't understand because they were uploaded on the website. Once they finally offered a modification it was an interest only mortgage which I did not think was fair or reasonable. All I wanted was to keep the plan I previously had, approved through the XXXX program and then approved by XXXX of {$1400.00} ( PITI ). I mailed a payment of {$1400.00} and waited for someone to post my payment and it never got posted. I called XXXX and spoke with a representative and he claimed they did not get my payment, even though I mailed it to the address provided by them. 
Shortly after that, the mortgage was then assigned to Specialized Loan Servicing ( SLS ), without any notification from XXXX. I received a packet from SLS asking me to tell them what my balance was. I thought this to be very strange. I started to get really suspicious and began to review all my documents and letters from XXXX. In my discovery I found dates that did not make sense and I also discovered other things to be discussed with a CFPB representative and uploaded. SLS has now violated the rules issued by CFPB of " No Surprises '', SLS did not send me one bank statement and I did not hear from them for an entire year. When I was doing my research, coupled with the fact the XXXX was still filing motions in the Court further increasing my suspicion on this whole situation of " who has interest '' in the note. XXXX was filing motions and foreclosure when supposedly SLS owned the loan at the time ; this was very upsetting and confusing. Now, for the additional violations of SLS they, out of nowhere filed a motion joining the 2015 filings of XXXX, trying to make the process of foreclosure faster, all without any notification to me and without the offering of assistance. Who is this organization? Now, there is a class action lawsuit against. I have uploaded the documents files by SLS and the assignment. Please keep these documents.
Consumer complaint received 2017-02-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (CA)

I was a co-signer of my son student loan which was originally with XXXX XXXX issued on XX/XX/2008. My son defaulted on his loan several years ago. Wells Fargo discharged the debt after 8 years and issued separate XXXX to my son and me for the same amount. My original involvement with this loan was a co-signer and acted only as a surety on the loan. My son received the benefit for receiving the loan. Based on Treasury Regulation section 1.6050P-1 ( 7 ) Guarantors and sureties, solely for purposes of the reporting requirements of this section, is not a debtor. Thus, in the case of guaranteed indebtedness, reporting under this section is not required whether or not there has been a default and demand for payment made upon the guarantor. As a person who sole purpose was to act as a surety or guaranteed of my son 's loan - my credit rating was used to help him acquire that loan, a XXXX should not have been issued against me. I gain no financial benefit on this loan. Wells Fargo, which acquired this loan after XXXX XXXX, falsely reported this to the IRS against treasury regulation and falsely implies that my income benefited from this loan. Again I was only a co-signer not a co-applicant or joint owner of this loan. I called Wells Fargo Executive office concerning this issue and they refused to correct the matter even after I stated the regulation to them.
Consumer complaint received 2017-03-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (PA)

I had a vehicle loan with GM financial and after my husband lost his job my vehicle was repossessed. I was in discussion with many financial representatives for hardship status and after speaking with GMs representatives we came to an agreement amount in XX/XX/2016 that they would accept {$3800.00} as full settlement and agreed to dismiss the charge off and list it as paid in full per our conversation and agreement. This was not honored. I have worked very hard to improve my credit and have not abused lending. I have not been afforded any chances at reestablishing myself as GM/XXXX did not honor their end. If it was never the intention of the company to forgive the amount left over, they used a very dishonest way of misleading me into believing if I came up with this VERY large amount of money, that I would be free of this debt. They were able to sell the vehicle, I paid on the vehicle for a couple of years and I paid the settlement amount agreed upon. I would like this charge off, unpaid balance removed from my credit report and I would like an updated report sent to the companies who requested my information. Thank you for your time and consideration.
Consumer complaint received 2016-09-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: United Student Aid (USA) Funds (GA)

This Corporation has shared my information with Credit reporting Agencies. This IDENTITY THEFT XXXX XXXX. I am feeling ashamed, incompetent and ca n't sleep much thinking that this DEBT COLLECTOR has my personal information and has an account with my name and non-public information. According to the GLBA Gramm Leach Bliley Act this is a violation. 
I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I need to make sure that this CORPORATION does not have an open account with my information containing any of my private business. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE but this CORPORATION IS IN BUSINESS COMMERCE AND TRADE. THEY MUST ADHERE TO THE FDCPA Fair Debt Collection Practices Act, and the FCRA, Fair Credit Reporting Act. They also have to CEASE and DESIST because I never asked them for anything, and if they have my information I want it back as soon as possible. If not I will be filing a CRIMIINAL COMPLAINT WITH THE FBI. Where is the Loan Level documentation if any stating it adheres to all State and Federal guidelines of a Loan, for this Consumer. These people are obtaining information from the Credit Reporting Agencies fraudulently and this is definitely Identity theft.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCC Business Services, Inc. (NC)

I was a resident at XXXX XXXX, I moved out on XXXX2017 and management failed to remove me from the system, I was still being billed and I called several times and spoke to management and they assured me that the balance would be corrected. I later received notice a month later that the balance had been reported to a collection agency. I called the collection agency and advised them of the error, they stated that they just needed documents from XXXX XXXX  Management so I went to their office and was assured again that this matter would be taken care of. It is still on my credit and causing my score to decrease. XXXX XXXX does n't care and I need help because I am currently in the process of building and maintaining good credit. I pay everything on time and their negligence is causing harm to my credit
Consumer complaint received 2017-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (KS)

On X/XX/17 I purchased a Used XXXX XXXX XXXX XXXX through XXXX on XXXX, XXXX XXXX XXXX XXXX, XXXX, IL. They applied for financing for me through BMO Harris Bank. The amount financed was XXXX at an interest rate of 5.14 %. Since then I have called the BMO Harris Auto Loan customer service number XXXX to find out what the pay-out amount of my loan is because I want to refinance the loan through my credit union. Neither through the automated system or by talking to an agent has BMO Harris been able to give me that amount. The agents have told me that my loan is not yet in the system. Today I spoke with a supervisor, XXXX XXXX XXXX, who told me that it can take 4 weeks to " book '' the loan. I got the loan exactly 4 weeks today. He told me there is nothing he can do to speed up the process and that there is no way that I can go to a branch office today to pay off the loan. 
I 'm angry because BMO Harris is charging me their high rate of interest during this time that I wish to have already paid off my loan but can not.
Consumer complaint received 2017-08-25
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. (NC)

InXX/XX/XXXX and XX/XX/XXXX I disputed some erroneous information in my Experian credit report with the company. Both times, the company 's response was so fast it seemed computer generated verses someone actually taking the time to investigate the disputed issue. My mortgage company XXXX XXXX  reported that I was 30 days late to the CRA inXX/XX/XXXX, but after writing them and explaining the situation, they kindly removed the erroneous information off of my XXXX, and XXXX credit reports however, Experian did not remove their data as the other agencies listed did upon completion of the disputed investigation. After speaking to my mortgage company they notified me that they sent out the removal information to the companies however, Experian did not update their system and I needed to contact them directly. I have contacted Experian via phone, and online in regards to this information but they refuse to remove the information which is affecting my personal finances and my current pending VA loan. The only response I got from Experian was an email informing me a few days later that the disputed investigation results had been completed resulting in no change.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (LA)

I sent XXXX letters to Experian ( XXXX in XXXX and XXXX in XXXX, 30 day apart ) concerning inaccurate information on my report concerning bankruptcy. I ask Experian to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a letter on XXXX XXXX, 2016 stating that they have previously processed this dispute and the credit grantor has verified its accuracy. Last but not least, they said that unless you send us additional relevant information to support your claim, WE WILL NOT REINVESTIGATE THIS INFORMATION AGAIN. EXPERIAN has not providing me with copies of documentation bearing my signature in a timely manner. Thank you for your help.