davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

NMAC financed an auto-loan XXXX XXXX, 2015. While signing, the dealership switched cars ( " switcheroo '' ) giving us a similar looking vehicle lower value. The Federal Price Label ( " sticker '' ) of the the car we test drove was {$20000.00}. The sticker of the car delivered is {$17000.00}, leaving a disparity of {$2900.00}. I am in communication NMAC in an effort to recover the difference from the dealership, who has admitted to " overcharging '' {$1200.00} but refuses to refund any money until I sign a waiver not to sue. The loan was financed at 12.14 %, which is higher than the 5 % promised with our {$2500.00} down-payment. NMAC informed me that I could have negotiated on that interest rate and that dealerships add to the rate for a " kickback. '' At this point I am seeking to discover the nature the loan application as the dealership used personal identities, i.e. ; name, social security number, date of birth, etc. to intentionally misrepresent the amount of the loan. I am in the process of refinancing the car with my credit union with an offer to borrow {$15000.00} ( XXXX % loan-to-value ) at 5.4 % ( $ XXXX/mo. vs. $ XXXX/mo. ) The pay-off amount of the car is {$17000.00} leaving a difference of {$2400.00} ( down-payment amount of which dealership is holding {$1200.00} ) which I have to secure personal loan to finalize. I cancelled the addendum Ext. Warranty and GAP insurance policies ( of which the dealership never submitted the contracts to third-party providers ) in an effort to lower the principal for refinance. NMAC declined to share any responsibility as they dictate dealership policy even though when a felonious act is reported and they are collecting interest on the " unlawful '' debt, they to are benefiting. I am currently drafting a letter to request the specific details surrounding the submission of my ( and my wife 's ) personal information upon which approval was granted. All of this effort ( filing complaints ) is my arbitration process as my family is on a strict budget and at this rate can not sustain any over-age, especially that which is created by a abusive predatory loan. I was an unsophisticated buyer who acted in good-faith ( {$2500.00} down-payment ) who purchased a bad-faith " pig in a polk. '' That is to say that I have to take every avenue before consulting an attorney at upward $ XXXX/hr.
Consumer complaint received 2016-02-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Requested report and score ( for which I authorized payment ) from TRANSUNION CREDIT CO. Suddenly there appeared a monthly {$19.00} recurring charge on my credit card. Did n't authorize, did n't know what it was for, no confirmation or acknowledgement sent to consumer that such charge would take place. After researching the internet I was able to get instructions to " cancel '' my " membership ''. There were many such complaints online about this practice. TU has said there will be no more charges. The sales rep had such a strong foreign accent that I could barely understand him. I have also alerted my credit card company who have said they will cancel any TU charges and issue a new card if necessary. I have alerted them as well and am still fuming. Thanks for providing this site.
Consumer complaint received 2016-02-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (GA)

Between XXXX/XXXX/XXXX and XXXX XXXX, I had several conversations with AES reps. On at least XXXX occasions, I was told by the reps not to worry if I went over 30 days late on my payments, since they were n't reporting until 60 days late. 

I am requesting the voice recordings for the period mentioned above be reviewed by a consumer advocate to confirm what I 'm saying is truthful, and I am motioning the removal of the 30 day late payment adverse credit reporting of XXXX XXXX be removed from my credit report. 

AES needs to take accountability for their statements to their clients. 

I had another similar experience with another lender, and CFPB had their consumer advocate review the lenders recording confirming my statements to have been true, thus reversing the negative credit reporting. 

As an XXXX, I have the public stake their lives on my integrity and the quality of my work. My co-signer is my brother, who is a XXXX, who puts his life in harms way to save others. 

All I 'm asking is for the basic decency and integrity from the lender, as to stand behind what their reps tell their borrowers, and take responsibility when they make a mistake.
Consumer complaint received 2016-02-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (TX)

I had a XXXX account back in XXXX. I ended my relationship with XXXX in XXXX and was told I was paid in full. Flash ahead to XXXX. I noticed there was a Pinnacle Credit Services account on my XXXX and XXXX Credit Reports. I have disputed both accounts on both CRA 's I have called numerous times to Pinnacle in attempts to find out how I can still owe this and why they are still reporting on my CR 's 10 years later. I have never received a response from Pinnacle regarding this. Every dispute comes back verified from the CRA 's. I am trying to buy a house and this is the ugly elephant in the room preventing me from doing so. Please have Pinnacle remove this tradeline from both my XXXX and XXXX credit reports as they can not and have not verified this debt that I supposedly owe. 

Thank you
Consumer complaint received 2016-02-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (PA)

Equifax has verified / updated informationn on XXXX credit report pertaining to multiple inaccurate late payments after account was charged off closed. I have sent portion of XXXX credit report. 
Inaccurate information has been verified / updated. 
The creditor states that Equifax is responsible for the inaccurate differences which should all be deleted. 
Inaccurate and injurious on my credit report.
Consumer complaint received 2016-02-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I opened a Home Depot Credit Card account on XXXX XXXX, 2015 to purchase an appliance ( Refrigerator ) at a Home Depot Store in XXXX XXXX. The appliance was schedule to deliver on XXXX XXXX, 2015. When Delivery Company ( XXXX XXXX ) personnel arrived to make the delivery, they ( XXXX XXXX ) say that the refrigerator was n't going to fit through the door and that they were not going to be responsible if the appliance gets damage in the process. Therefore I refused the item and call Home Depot to report that I refused the Item. I even went to the site Store the same day to report that I refused the Item. Weeks later I received the bill for the item, I call home depot once again to reiterate that I refused the item and they responded to me saying that they have proof of delivery ( POD ) with a signature of person name XXXX, I clearly told them that the signature it was not mine or anyone in my home. No proper investigation was conducted by the Home Depot store nor the credit card company, and now they are billing me for something that I never received. I reached out to both Home Depot Corp and City Bank/Home Depot Credit Card to ask for help, both told me that there was nothing they could do.
Consumer complaint received 2016-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

This is a dispute pertaining to multiple inaccurate late payments reporting after account was charged-off closed XXXX/XXXX/2011. I disputed with Experian and included a portion of my XXXX credit report but the inaccurate infor- matiion was verified. The creditor has stated that these differences on XXXX Experian report should be disputed with Experian. I did so but was not successful in having this inaccurate, injurious info deleted.
Consumer complaint received 2016-01-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

In XXXX 2015 i accessed my free credit report and noticed a Medical bill. I have disputed the bill every mmonth since then 4 times. XXXX and XXXX removed the innaccurate collection. XXXX is still reporting that i have a collection. I have called Account Resolution Services multiple times and asked them to validate the debt and provide more information which they have not done to date.
Consumer complaint received 2016-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (TX)

My mortgage servicing provider ( Shellpoint ) transferred my mortgage to another service provider ( XXXX ). This is a standard procedure and I went through the process several times before. However, this time I was not informed about the transfer from either company! Because Shellpoint had a wrong address on file I did not receive their notifications. Additionally, since the new service provider ( XXXX ) relies on the address from the previous service provider, I did not receive any communication from them either. 

I found out about the transfer a few months later via a coincidence. I checked my credit report and noticed that my credit score dropped. Apparently I had a mortgage with XXXX that was more than 30 days late. I was confused as I had been making timely payments to my my mortgage provider. 

I called Shellpoint and they informed me that they are not my service provider anymore and they referred me to XXXX. Both providers admitted that they had the wrong mailing address and that the mail they sent to me had been returned to them. When asked why they did not call me both service providers did n't provide an explanation. I still do n't understand why Shellpoint never tried to call me while they continued to receive my mortgage payments several months after the service transfer. 

I immediately settled my balance with XXXX as they were very adamant about the outstanding balance. Working with the XXXX service providers and all three credit bureaus is very stressful and frustrating as it all could have been avoided. As of today I am still waiting for Shellpoint to reimburse me for three months of mortgage payments.
Consumer complaint received 2016-02-06
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have a XXXX IRA with Capital One 360. My mobile app states my account is inactive and that I need to make a deposit or transfer to make it active. When I try either option it tells me to go to a Capital One ATM. There are no such machines in my state. I have now called this institution 6 times to get NO RESOLUTION! 
When I call I get transferred from person to person and explain my question over and over. In fact one agent even went so far to tell me I have no such account!
Consumer complaint received 2016-02-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Carrington Mortgage has reported me late to the credit bureau from XXXX despite making monthly on-time payments each month. I also discovered that in XXXX XXXX they placed my permanent home loan in modification without my knowledge. I received a letter in XXXX XXXX that effective XXXX XXXX, my loan would increase by some {$300.00} due to my escrow having a negative balance. Finally, on Wednesday XXXX XXXX, XXXX I received a letter Carrington stating that I am in default on XXXX loan payments and owe {$2600.00} and run the risk of foreclosure! I have not missed XXXX single payment to Carrington Mortgage. This company has been a nightmare to deal with since my loan with XXXX XXXX XXXX was sold to them. 

When my loan was sold to Carrington, by XXXX XXXX XXXX XXXX XXXX, I was told by a Carrington rep that despite the fact that they had n't received all the documents from XXXX XXXX XXXX I can began making payments to them on my loan. I did this and have done so faithfully monthly. Then once the paperwork came thru, a few months later Carrington assigned me an acct number, sent paperwork to have payments debited directly from my bank account to them monthly. Carrington also conducted an audit on my account and found that there was a surplus in my escrow and sent me a refund check of {$3300.00} in XXXX XXXX. I continued to make my monthly payments to them for a period of 6 to 8 months I had no problem when making my payment. Then in XXXX XXXX, I was notified by XXXX ( Carrington Rep ) I no longer had a permanent loan but my home was in modification with Carrington because the Underwriters " de-archived the loan, '' because they discovered missing documents from XXXX XXXX XXXX. I inquired how I could be in a modification without my knowledge. XXXX could n't understand it herself but assured me to continue making my payments and it would be straightened out. Then in XXXX I received notification my mortgage payments would increase in XXXX XXXX and now the notice of XXXX missing mortgage payments citing my loan in default. Repeated requests with various Carrington representatives over the last few months have been unsuccessful and not resulted in this problem being resolved as promised. I am requesting all my payments be applied to my permanent loan, so my escrow reflects the correct balance. This will also cause my mortgage to remain at its current payment {$1300.00}. I also want the late payments removed from my credit report as it has negatively impacting my credit and lowered my score. I do NOT need a modification as I have not missed ANY payments. I have enclosed all paperwork including bank/mortgage statements reflecting Carrington receiving all payments from me, a portion of my credit report where Carrington has reported me late and all notifications I have received from Carrington.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

It's been over 30 days and these accounts are still showing inaccurate balances which is stopping opportunities for real estate deals. I've attached the correct balances for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update these balances as soon as possible so I can close on a property for a great rate. Thanks.
Consumer complaint received 2016-02-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I have been requesting a modification for a more affordable mortgage payment and and they came up with a balloon payment that will make me pay the value of my poprrty for {$50000.00} more ta than what I purchased it for. They are also charging m reinse for for reinstatement fee of {$500.00} more because I rejected their proposl. 
I have never had to pay the reinstatement fee in my previous modifications. This company needs to be investigated for their ruthless activities. My main concern is that since in the inception of this loan they have always made mistakes on applying my mortgage payments. back in 2015 they have posted a negative impact on my credit as having paid late. and after their research they found out that I had paid all my payment on time. I have proof of this Iam in constant contact with them because they keep misapplying my mortgage payments to the Escrow. I do n't know what else to do with this company.
Consumer complaint received 2016-02-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (CA)

I have an account with Ally Bank. As per the Ally bank website and their customer service, Ally bank does n't charge any fees for incoming international wire transfers. However I find that for an incoming wire transfer, I was charged {$30.00}. When I enquired with Ally Bank customer service about the fee, they told me that they could n't help me trace why their own designated intermediary bank ( XXXX XXXX XXXX ) charged the fee. They further told me that on incoming wires I should ask the sender bank to mark field XXXX as " OUR ''. This was n't mentioned anywhere on their website. I am pasting below the exact information about incoming wires on their website verbatim for your reference : XXXX BEGIN ALLY WEBSITE INFO XXXX Top Related FAQs How do I receive a wire transfer? 
To receive a wire transfer from another bank in the U.S. : You 'll need to provide the following information to the person or business sending the wire transfer to you : Receiving Bank : Ally Bank ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Beneficiary Account Number : Your Ally Bank Account Number Beneficiary Name : Name as it appears on your Ally Bank Account To receive a wire transfer from a non-U.S. bank : Incoming wire transfers from a non-US bank are processed by our designated receiving bank, XXXX XXXX XXXX XXXX, XXXX. 
You 'll need to provide the following information to the person or business sending the wire transfer to you : Receiving Bank : XXXX XXXX XXXX XXXX, XXXX. 
ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX or Bank Identification Code : XXXX Beneficiary Account Number : XXXX Beneficiary Name : List 'Ally Bank ' since the wire is being processed by XXXX XXXX XXXX XXXX , XXXX. 
Further Credit : Your Ally Bank Account Number and your name as it appears on your Ally Bank account. 
Note : We wo n't charge you to receive a wire transfer into your Ally account. 
XXXX END ALLY WEBSITE INFO XXXX
Consumer complaint received 2016-02-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

I believe that the timeline is officially over on the account in reference, and that the Consumer Financial Protection Bureau must be part of this process. I am also submitting a hard copy dispute to both the creditor and Experian. There is no other option at this time but a complete removal of the referenced account permanently.
Consumer complaint received 2016-02-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: D&A Services, LLC (MA)

I received a letter from IL D & A Services saying they were going to get a judgement against me for XXXX XXXX XXXX, XXXX for an original debt to XXXX XXXX. I do n't believe I ever owed a bank by that name and if I did it was many years ago. I believe I have paid off my old debts and this does not appear on my credit report so I suspect it is a fraud.
Consumer complaint received 2016-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

This account is told old to be on my file date of last payment was XXXX XXXX XXXX is trying to use the date of first major delinquency as my last date of payment with is incorrect to prolong this account on my credit report and on XXXX XXXX has now change my first date of delinquency on my account to XXXX XXXX which is incorrect XXXX is reporting false and incorrect information to my credit report this account should be deleted for my report it has been seven years now
Consumer complaint received 2016-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

In it 's response to complaint XXXX, SPS says they are denying my right of rescission because my loan originated in 1998 ... my ORIGINAL loan did originate in 1998, BUT XXXX ( the original servicer after they got the loan from XXXX, the original lender ) advanced over {$50000.00} to repay themselves what they spent tp pay off XXXX XXXX, my XXXX mtg holder. 
Thus, they did not just modify my original XXXX mtg like they ( SPS ) are trying to claim ... they actually REFINANCED my XXXX mtg because adding the {$50000.00} plus in additional funds is a cashout loan. The {$50000.00} in funds added to the original balance is money lent to me ( whether I wanted to borrow it or not ) ... unless they did not charge me for the XXXX mtg payoff this is a cashout refinance, period. 
Thus, I stand by my demand to rescind the loan. 
If SPS cares to make a reasonable counter offer, I will listen, but only if they acknowledge the true facts.
Consumer complaint received 2016-01-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (MD)

I called my bank ( PNC ) XX/XX/XXXX ( 3 weeks ago ) and asked if I could get an extra couple of extra weeks to make my XX/XX/XXXX payment. I had done this once before in the past. This time, the woman on the phone told me I could skip my XX/XX/XXXX payment, and resume with my usual XX/XX/XXXX payment ( I have my payments taken automatically our of my account on the XXXX of the month ). Tonight at XXXX when I do n't really want to have to talk business, I get a call from PNC asking about my XX/XX/XXXX payment, telling me about a late fee and wanting to know what I can pay now. XXXX departments in the bank that do not talk with each other?
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These inquiries are unauthorized and I am a victim of identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-02-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (GA)

I have a customer at regions Bank in XXXX Georgia. I placed my daughter as beneficiary on my checking account when I open my account several years ago. My bank is in a small town everyone knows everyone my daughter went to middle and high school there everybody knows who she is. The first incident occurred the year I opened my checking account. My daughter and her husband have their own checking account at the same branch. XXXX day she came in and could not remember her checking account number they asked her for her social and it pulled up her name up on my checking account and gave her an account balance and serval bank deposit information. She had no idea that it was my account she assume that it was her and her husband 's account she was inquiring about. 
I immediately brought it to XXXX XXXX attention the branch manager. I gave her the employees name and details and she saidthe reasoning for that mistake she says is when they pulled the account through this social the first screen shows her name as beneficiary so they assume that she owned the account that was her only solution. She said it would n't happen again. Now on XXXX XXXX, 2016 the same incident occurred again. I am very angry and concerned from the breach of my personal information even though she 's my daughter and down as my beneficiary she has no rights whatsoever to my checking account! 
I am requesting an expedited resolution in compensation due to the fact that it was never resolved and it is still an issue and it is against the law.