davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

Back in XX/XX/XXXX-XX/XX/XXXX I tried over and over to refinance my home after being put on permanent XXXX, having XXXX, XXXX XXXX, constantly be hospitalized and my taxes goin up ove 120 % over the past years we were forced to short sale our home. Wells Fargo just kept refusing me over and over forcing a short sale. They constantly asked for the same documentation over and over even after the acknowledged the receive end it. After having XXXX different buyers the house finally sold. The XXXX buyer it took them 9 months to constantly aske for the same paper work and then refuse & the XXXX was approved after about 6 months and I finally sold the home. Wells Fargo has me missing payments, which I did under direction of my lawyer because of the short sale was in contract XXXX with Wells Fargo getting paid in full and to keep up with taxes, maintenance, bills and medical expenses. I feel this should be removed so me and my family can go on with our lives. The hiccup on our credit report is an issue since we are going to be moving out of state for a better ccost of living.
Consumer complaint received 2024-09-20
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: MoneyLion Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2015-04-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I mailed my XXXX car payment in as usual in XXXX. Per SantanderXXXX XXXX 's website they received my car payment on XXXX XXXX. 
Now, as of Sunday XXXX XXXX, they do not have the payment. I called onSunday and they were closed so I called Monday and started an issueticket. First, I was told they did not have my payment. Then, they did butit was returned. Then, they said the date must have been wrong ( XXXX ). Then, they said there was a stop payment on the check. All of theseare false, which I explained to them. I would have had to put the stoppayment, which I did not. A return would have shown through myaccount. It has not and the money has been sitting there the entire time. 
I called my bank to double verify this and they said nothing has evenbeen submitted for payment to them. I called Santander back and toldthem and they ca n't seem to find anything to provide to me to back uptheir claims. They are now claiming a stop payment. No one can tell mewhere my check is and now my acct is showing late and with late fees. Iwant my check found and the fees reversed. My main concern is mycredit. I do not want this reported as late when I paid it on time. I found it odd that my check had not been cashed as quickly as usual, but whenthe website showed it as received, I assumed the XXXX holiday had putthem behind and it would come through sometime soon. I just want mycheck cashed and my acct restored. Please help me as myself and myhusband have tried to work with them and they do not seem to beworking very hard to resolve this. 

Thank you in advance for your help. 
XXXX XXXX
Consumer complaint received 2015-12-11
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Resurgent Capital Services L.P. (IL)

LVNV TALKED TO MY BROTHER AND KEPT CALLING HIM (SEE CELL PHONE RECORDS 16 CALLS TOTAL IN VIOLATION OF TCPA. ALSO, NEVER VALIDATED DEBT AND INSERTED A INVALIDATE LISTINGS ON HIS CREDIT REORTS IN VIOLATION OF FCRA AND FDCPA.
Consumer complaint received 2015-12-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

The client 's mother passed away. She provided the death certificate and deed showing that the house was in her name. We asked for an assumption and modification of the loan. It took Wells Fargo months to even code that the borrower had died and they refuse to accept the deed as proof of ownership and pursuant to the law provide an assumption.
Consumer complaint received 2015-12-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Federated Law Group (FL)

I have fallen on real hard times after my parents passed away and was not able to pay on a credit card. Well now without notice I received a Judgement against me were it states that they will or can garnish my wages. After I make all my monthly payments I am left with maybe {$30.00} to {$35.00} a month, I also get my food from a Food Bank. I e-mailed them and said that I could pay them {$20.00} a month but not more and their answer was they they rejected my offer. What can I do, if they garnish my wages I will loose everything. I ca n't afford an Attorney and this is really giving me XXXX XXXX XXXX. I will attache documents.
Consumer complaint received 2015-12-11
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sortis Financial, Inc. (WI)

I was part of a class action lawsuit against XXXX : a mortgage company that I obtained a loan from. I was experiencing a financial hardship and signed up for the Home Affordable Modification Program ( HAMP ) with XXXX that promised to provide me with a reduced loan payment. This experience was a nightmare! XXXX kept demanding more paper work from me, more check stubs, more proof of hardship, advised me that my paperwork was incomplete ... to make a long story short, my family and I never received the assistance and as a result lost our home early XXXX. 

In XXXX I was contacted by a firm that advised that XXXX mishandled my family and I and that I was eligible for monies due to us being rejected for the loan modification / homeowner saver loan. I was instructed to complete paperwork that summarized my experience ( which I complied ) and my family and I was awarded {$500.00}. This was a settlement amount that I was informed, that I could not later on sue for additional damages. Not expecting this and experiencing devastating financial hardship, this was a welcome amount. 

Year later ( XXXX ), ClearSpring Loan Services began sending me paper work alleging that I owe them {$11000.00}. I advised them that I never had a relationship with them and owe them no monies. They advised that this was a XXXX XXXX XXXX XXXX I received. I advised them that I never received a Home Saver Loan ; because had I, I would still be in my home. I further advised them that I lost my home in XXXX. Requested that they send me any paperwork that I signed, that would show I have any connection with them .... ClearSprings was not able to produce any signed paperwork ; however they did send me some documents and advised me that I " digitally signed ''. I stressed to them that I received NO MONIES from them, no benefit, and no homesaver assistance. ClearSprings advised me that they did n't send the monies to me ; they sent it directly to my mortgage company. I advised them that they would need to seek a refund from my mortgage company then, because XXXX displaced my family and I and we no longer had a home. I have requested ClearSprings to discontinue calling me and demanding monies from me for a service I did not receive and/or benefit from. They continue to do so. 

My family and I lost our home and it was a devastating thing to go through. To find out that we were mishandled and could have had our home saved is even more devastating. To be harassed and victimized again : with a payment demand from a company that did not provide us with services is horrific. My family and I are working hard to recover from our loss and are re-building our future and credit to hopefully become home-owners again. I need ClearSprings and their partners to cease and desist with these harassing activities of payment demands.
Consumer complaint received 2015-12-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo is looking to hold more than {$1000.00} in mortgage escrow account. When they were called they are telling me they need {$3700.00} for the same escrow amounts paid the prior year. Also I have health conditions and have made my payments bi weekly a few times due to financial hardship and they did n't apply my money to the loan they put the funds in a General ledger per the bank representative. I always though the funds had to be applied to the loan when the payment is made.
Consumer complaint received 2015-12-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

I had several different accounts with USAA. Due to ongoing rudeness, lies and general incompetence, I moved all my business away from them. I no longer have any of my financial business with them. They still have XXXX credit inquiries being reported on my credit report. Since I have no financial business with them and never will, I think it 's fair that these be removed. But USAA is doing all they can to damage my credit. My score was XXXX before they started their campaign against me. I want their inquiries removed. Can you help me get that done?
Consumer complaint received 2015-12-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (SC)

We have been asking national credit systems for multiple years to send us verification of the charges that they are trying to collect. They always say they have the information and will mail it to us. It never comes so a few months later they call again. We have asked them to email or send the information certified mail to make sure we get it. They have told us that their company does not do that. I have disputed this account multiple times to get it off of my credit report and they will not remove it because National Credit Systems keeps reporting it as a delinquent account.
Consumer complaint received 2015-12-11
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Corporation of America (MA)

Brief description, This is for a medical bill for {$100.00}. I 've been XXXX three times in the last 12 months, and this is XXXX of XXXX bills left that I have been tackling. My accounts were sold to a collection agency for my deductible portions before I even recovered. This Financial Corp of America, called my brother 's home number, XXXX towns away with a different last name, and left a message for me on his family 's machine saying it was from a debt collector for ME giving my name. I called them back and asked how they got his number and they said it was listed as an emergency contact in my medical records. I would like to know how a medical collection agency has access to my medical records if this is in fact how they got his number. My brother is not listed on anything, anywhere. They also confirmed that they do have my correct address and phone number so there was no reason to call my family other than pure harassment. My family has been worried about me enough over 12 months, letting them know I have debt as well as a result of being sick is is more for them to worry about. I 'm beyond upset over this. My brother has the recorded call and the agency has my recorded call when I called on XX/XX/XXXX at XXXX XXXX
Consumer complaint received 2015-12-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Account Services, Inc. (IL)

COLLECTOR FAILED TO VALIDATE DEBT IN VIOLATION OF FCRA, AND IS STILL TRYING TO COLLECT SAID DEBT AFTER THE S.O.L. PERIOD EXPIRED IN ILLINOIS OR 5 YEARS. LASTLY, SKIP TRACING ME BROTHER AT (XXXX) XXXX AND (XXXX IN VIOLATION OF TCPA, AND KEPT CALLING MY CELL (XXXX) XXXX.UNLAWFULLY REPORTING ON CREDIT FILES IS A MAJOR PROBLEM AND MUST BE PUNISHED.
Consumer complaint received 2015-12-11
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Financial Services (FL)

Daughter of involved in an accident vehicle was a total loss. I did not have gap insurance and my daughter who was hit outside her vehicle has back has fractures and dental work. I can not pay at this time I have told them numbers told and we both receive calls daily I have spoken to them and explain paying the gap is not my prioity. Accident occured in XXXX and they call all XXXX people on contact list. On XXXX XXXX my parents home XXXX sister and my brother in law all answered there call and so its harrassment at this poiny. I have not moved my by hers have not changed and the call references at least once a month for the last XXXX. Just be a use I tired of repeating myself.
Consumer complaint received 2015-12-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

Problem : OCWEN has not recorded my loan modification agreement which I signed on XXXX/XXXX/2015. 

XXXX Description of what happened XXXX I have been working on loan modification with OCWEN since the beginning of this year. Finally I was able to get loan modification agreement in XX/XX/XXXX, and signed & notarized on XXXX/XXXX/2015. It was received & signed by OCWEN 's Authorized Officer on XXXX/XXXX/2015. 

It 's been more than 3 months and OCWEN Legal Department tells me that it takes 3-4 months to record the document in California, so I have not received a copy of signed & recorded loan modification agreement. 

I live in California, and I do n't think it takes 3-4 months to record real estate loan agreement in California. 

In the meantime, I have already been making the following loan payments as per the new loan modification agreement : Trial payment on XXXX/XXXX/2015, Monthly payments on XXXX/XXXX/2015 & XXXX/XXXX/2015. 

Please help to expedite this case.
Consumer complaint received 2015-12-11
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Flagstar Bank, N.A. (CA)

I made a claim to my insurance company for water damage to my home. They reimbursed me for water restoration and repairs. Checks were made out to me and my mortgage company. I contacted my mortgage company to see how I go about cashing the checks. I was told to endorse the checks, complete numerous forms and mail all of it to them ... which I did promptly. A few days later I called to make sure they received everything. They said they had n't gotten it yet. Next time I called they said they got the checks but not the forms ( IMPOSSIBLE since they were all mailed together ). On future phone calls I was told the following : 1 ) they did find the forms, 2 ) that I now needed a XXXX form from the water restoration company ( why was n't this form requested along with the first ones?? ), 3 ) that they did n't receive the requested XXXX form..so I sent it again, 4 ) now they did have the XXXX, 5 ) that they could n't refund my money because the corporate office had put a stop on my loan, 6 ) that the stop was put on in error and they would remove it. Last call was made two days after they said they would ask the corporate office to remove the stop. I was told they would call me when it was removed and they would process my check at that time ; that was 2 days ago.
Consumer complaint received 2015-12-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

I opened a new account but had an account with husband teller knew and i gave her XXXX coupon for opening bank she said I can use now everyone is having a problem giving it to me now.It was promised to me and I never received
Consumer complaint received 2015-12-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

My husband took a loan for me XX/XX/XXXX for a reliable vehicle XXXX Prius. He added me as a joint account holder, however due to his loss of job he filed bankruptcy XX/XX/XXXX he had to file bankruptcy on the account. I took over the payments for the vehicle but recently we were in an accident. The car was rear ended and deemed a total loss. The loan did not have GAP insurance included, there is a remaining balance of XXXX after payment from the insurance claim. I have called Toyota Financial on 5 occasions to discuss what would happen to the account because of the Total Loss, each time I called I would get a different scenario. On XXXX occasions I spoke with a representative in Total Loss Department who stated that I was no longer responsible for the balance due to my husband filing bankruptcy on the account in XX/XX/XXXX and that Toyota Financial would not be pursuing me for the balance due. On two other occasions I spoke with Total Loss Department employees again who stated I would be responsible and that they would be contacting me to make payment arrangements, once payment was received from insurance. After the initial conversations with representatives occurred that discussed my not having liability for the balance there were notes placed in the account to deter this information being communicated to me and Customer Service reps started to ask me the nature of the call prior to transferring me to the Total Loss Department. Toyota Financial is the financer and they are demanding full payment within 20 days from the date they received payment from the insurance. This request is unreasonable, and I did not agree to this. There has been not documentation or evidence presented to me showing that this is an agreed or allowable method in collecting payment. Thus far my payments have been timely so there is no reason for me not to continue paying on the balance of the loan. However, paying XXXX off is extremely unrealistic and is causing extreme financial hardship. I am requesting additional time to pay this balance in full, a structured payment agreement. This is not too uncommon in situations with total loss vehicles with balances due, Toyota Financial has not provided proof of any agreement showing where I accepted the terms of Total Loss payoff within 20 days.
Consumer complaint received 2015-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BB&T CORPORATION (FL)

I had a school loan that I payed on time for 60 months, then the loan had a balloon payment due. The loan was with BB & T bank, when I explained to the management of the bank and several agents who called my home that I was in the middle of a refinance of my home which was also going to include paying off my school loan of XXXX dollars, they agreed to give me a grace period. Only now to find out after I went ahead and payed the loan off with funds that I had secured the loan with originally, they have sent in a derogatory remark saying I was late with the last payment and it has affected my credit score terribly. They also refuse to remove it, even after being told I would be fine going ahead with my refi, and that they would give a grace period because the loan was secured. I have done business with this bank for 14 years and have never been delinquent with any payments and I even presently hold a mortgage with them. I would ask you to please tell them to remove this remove that is effecting my credit score.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (MA)

I have requested XXXX that if the investigation was not fufilled and that the creditor stated I am a victim of identity theft please remove and block the accounts you the company mentioned never responds states anything and leaves it on there I am bored of this no solutions going no where please help me
Consumer complaint received 2015-12-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (CA)

To login to Dovenmuehle bank in order to pay my mortgage I put in my registration information.They required new registration in XXXX XXXX XXXX 2015 I re-registered.XXXX when I went to login their system said I need to register.When I try to register the system says I already have an account and am registered.I was locked out and could not pay.I called and spoke to XXXX and she said to speak to their Web support { XXXX 2015 } .The Web support representative could not help me.I sent them e-mails and finally had to pay by using XXXX for an additional {$9.00} on XXXX XXXX 2015.Here it is XXXX XXXX and i am still locked out!! I will call again tomorrow to try to pay but I do n't feel I should have to pay extra to XXXX XXXX just because they ca n't help fix the problem.Any Help what be much appreciated. XXXX XXXX XXXX
Consumer complaint received 2015-12-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Massachusetts Educational Financing Authority (MA)

I have an XXXX degree from XXXX College. During my time there, I applied for, and received, private student loans from XXXX/MEFA ( Massachusetts Educational Financing Authority ). These XXXX loans equal approximately {$100000.00} in principal debt. 

Upon graduation from XXXX, I was accepted directly into XXXX XXXX XXXX for XXXX school and received and automatic deferral on my federal loans. However, when I contacted XXXX/MEFA, they informed me that my loans could not be deferred, despite being placed in an in-school status. As a full-time student, it is impossible for me to pay the full costs of the loans, which amount to approximately {$1000.00} per month. They will not allow any kind of forbearance or deferral, despite my ongoing education and lack of income. They also will not renegotiate the terms of the loans.This loan corporation 's deceptive practices placed me in this situation.
Consumer complaint received 2015-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I got my annual free credit check and when I look on there I seen XXXX address that are not mine, also it was a name that I did n't recognize on my credit check too, I would to investigate any fraud accounts in my report.
Consumer complaint received 2015-12-11
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (IL)

I tried 3 times with a lot of time to let them know I was disputing a groupon charge for XXXX I told them i only had my receipt showing it was paid they closed it 3 times saying i did not send information when just a few days ago they said they got it. They can not understand language barrier. I should be treated like a customer and groupon has no way to get a hold of ceo and write which i did no response