davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (OH)

We had a modification plan and an agreement with the prior lender just before this loan was assigned to another lender, which engaged Specialized Loan Services to service the mortgage. SLS ignored the agreed modification amount and demanded a higher amount. We paid that amount rather than go into default. Now, SLS has increased the mortage without explanation by more than {$460.00} a month. 
In a statement dated XXXX/XXXX/2016, SLS without explanation increased monthly mortgage payments to {$1700.00} ( XXXX ) from {$1200.00} ( XXXX ), an increase of {$460.00} ( XXXX ). Before SLS began servicing this loan I had executed a modification plan with XXXX, the original owners of the above mortgage loan, in which I was to pay {$1100.00} ( XXXX ) monthly. After it began servicing the loan, SLS ignored the terms of the modification agreement and increased my monthly payments to {$1200.00} ( XXXX ). After that increase, I spoke with SLS representatives for weeks and remained confused about how payments to SLS were credited to my account. To date, I have gotten conflicting and confusing answers from SLS representatives. 

My total annual Real Estate County Tax payments is {$6100.00} ( XXXX ) ; total annual homeowners insurance is {$2300.00} ( XXXX ), for a total of {$8500.00} ( XXXX ). The escrow increase of {$460.00} a month amounts to an annual amount of {$5500.00} ( XXXX ). My current escrow payment is {$550.00} ( XXXX ) a month or {$6600.00} ( XXXX ) a year. Added together, the escrow increase by SLS amounts to {$12000.00} ( XXXX ) to cover expenses of {$8500.00}.
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Hello, I recently contacted and reported a privacy concern regarding USAA Your submission, [ Case number : XXXX ]. I have since experienced retaliation were they have now closed all of my banking and credit card accounts without reason without proper notification or reason other than a generic notice dated XXXX XXXX that they have decided to no longer do business with us per the customer service department. We have a been customer with USAA for years and they have always assisted us even in our most extreme difficult time and now when I submit a complaint and bring attention to their customer service practices our account abruptly gets closed and stating checks are being sent out from closure of our account and this has severely inconvenienced my family and my husband who is overseas to fight for our country. I have never experienced such infidel behavior and this is unacceptable. I seek to have all of our accounts reestablished and reopen all banking checking and savings and credit card accounts without lapse or gaps of any history affecting our credit. I also want the inquiry removed that was ran beyond my knowledge and my authority. When I called and spoke with their credit card customer service department on XXXX XXXX to report fraudulent charges from XXXX XXXX on my credit card and requested a new card under the same established account and not closure of my accounts. I received my credit card express delivery Saturday faster than expected from XXXX days shipping. Upon my return Sunday I found my card and called to have it activated was advised by credit card customer service I could not and only my account for the credit card was closed and my husbands was open and a supervisor advised they did not know why. They advised i needed to call back on Monday for the reason why. I advised them I have already exhausted a lot of time and requested a call back and verified and provided the new correct number with the supervisor and she advised that I would receive my call back from XXXX - XXXX tomorrow, Monday XXXX. 

Of course Monday morning no call as advised from the supervisor. I called them back after XXXX and was disconnected and transferred to the incorrect departments multiple times to finally get an agent out of the correct department and state they show no reason why as well and was going to have the Manager call me back within 24hrs regarding my account. 

Please help for I am without any money or funds to feed my family. 

No Military Spouse or Family should have to suffer as a result of unfair practices.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (PA)

This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, XXXX, Equifax, XXXX ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, Equifax and XXXX ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.
Consumer complaint received 2016-10-14
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY (FL)

About 4 1/2 to 5 years ago this XXXX lady went to XXXX dealership to buy a car and trade her van in on it and when she did n't get the vehicle she wanted they hid her van and sold her a car she did n't want for XXXX some odd dollars she took the XXXX because they refussed to give her van back that was wrong and now they are over charging her for this XXXX that XXXX said was paid off so later they repossessed the XXXX and charged her towing fees and more payments in order for her to get the car back. She once had XXXX dollars in her account at XXXX XXXX and now she has nothing because TD Finance Bank just continuing to charge her more and more money and I think that TD Finance owes her XXXX XXXX dollars plus back for upsetting her and over charging her and stressing her out. Please end this war with TD Finance Bank and Stop them for over charging everyone that is doing business with them!!!!
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that all inquiries please be removed.
Consumer complaint received 2016-10-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Carter-Young, Inc. (MS)

Carter-Young INC said I signed a lease in XXXX for the University XXXX. I never signed a lease there. I was living and going to school in XXXX. I have not been back to XXXX since XXXX of XXXX when someone stole my social security number and tried to claim me on their taxes. I have submitted documentation to them showing them that I never signed and I was living in XXXX and going to school here. They still refused to dismiss the debt as identity theft. The credit bureaus do not want to take this fraudulent information off my credit after I have disputed it multiple times. All Carter-Young has sent me was a lease that was missing signatures but on the very last page it had the initials XXXX typed in. How can that document even be classified as legitimate. The key was never picked up for the apartment and no one never moved in. I want this fraudulent information removed immediately. Also, XXXX, I co-signed that apartment in XXXX of XXXX. I never lived there just helped a friend out who was homeless and trying to get on her feet with her XXXX year old son. I was NEVER informed by her or the company that she was evicted. I never knew anything about that eviction so that information is also fraudulent and I would like it removed from all three of my credit and tenant history report.
Consumer complaint received 2016-10-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo attached my Wells Fargo credit card to my checking account as overdraft protection without my authorization. I called them to dispute this and told them that the charges have hit my credit report negatively. They responded by telling me that their records show that I authorized the use of a credit card as overdraft protection in XXXX 2015 by phone. I never authorized any use of my Wells Fargo Credit Card as overdraft protection by phone, or in any other way. In XXXX 2015, I established a new checking account at my local bank, in person! I authorized my savings account NOT a credit card. Wells Fargo told me " Regardless, you received statements showing the overdraft protection fees electronically, so you were informed. '' This was an underhanded tactic that Wells Fargo used to change me XXXX $ $ in fees. I told them that all I wanted was the negative information removed from my account ( 30 days ). My credit score prior to this was XXXX. It has dropped to XXXX as a result of this XXXX negative item. I will gladly submit my credit report for review as proof and have previous reports to demonstrate the precipitous drop. I have also filed a dispute with Wells Fargo and XXXX.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I noticed an erroneous account on my credit a few weeks ago and I immediately took steps to have this error corrected by contacting both the data furnisher ( XXXX XXXX ) and the bureau ( TransUnion ) which were reporting this incorrect information on my credit file. 
I am attaching the letter I sent to TransUnion in which I dispute this account on XXXX XXXX, I asked them to provide the evidence of verification that they obtained during their " investigation '' -- which they have not responded to. I also am attaching the letter I sent to XXXX XXXX on XXXX XXXX, requesting a description of their " verification procedures '' as well as the XXXX forms transmitted by them to TransUnion regarding this account and any and all data submitted as " verification '' of this account. To date, I have received no response. Since my letters were sent out over 30 days ago, the window within which they must respond has now closed for them to provide requested verification proof. Therefore, as it is NOT a verified account it must be immediately and permanently removed from my file, as per 15 U.S.C. 1681s-2, which states : " ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. '' Please instruct TransUnion to remove this unverified and erroneous account from my credit history.
Consumer complaint received 2016-10-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (ME)

I were given a loan issued through wells fargo dealer services from the auto dealer I bought a car from. Not in the complaint but another issue the dealer decided to check XXXX banks for credit without our approval, which made our credit score go down. Anyways, I wanted to pay the loan off. Normally at other banks I have been with including XXXX allowed us to pay online or by phone via an ACH debit with our bank routing and account numbers. for example at XXXX I made an ach payment for {$15000.00} with no issue. However, what I learned was that Wells Fargo Dealer Services has instituted a limit of {$4900.00} on ACH payments per day, and that the only way you can pay even that amount is by paying a {$20.00} fee, since you need to speak with someone to do it. We just wanted to pay off our entire loan which was about {$17000.00}. Despite over 30 minutes on the phone trying to get a solution to not have to pay additional fees or interest, and just pay with the ACH for XXXX I was unsuccessful. No where in the loan documents or disclosures I was given explained that I was only able to pay XXXX at a time by providing my banking information for ACH debit. Despite this they would not let me pay this way. They did offer a wire transfer option that would have cost me {$20.00} at my bank, since they charge a fee for that. They also would allow me to send a check in which would take a few days, and thus accrue additional interest while the check was in the mail. Essentially, the unfriendly wells fargo policy was essentially causing me to pay additional fees that were not disclosed within the TIL. Despite the fact that the TIL says I could pay my loan off in full without prepayment penalties, Wells Fargo limited my options to options that would cause a fee ( Wire, or additional interest until they accepted the payment via mail ). I am very disappointed that despite wells fargo offering a direct debit ACH payment without fees or added costs, they would not actually accept my payment since I wanted to pay more than an arbitrary number that they set as a limit, and did n't notify me about when I got the loan.
Consumer complaint received 2016-10-13
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I get several phone calls a day at all hours of the day after I had spoke to someone previously about the account being closed by the original creditor. When this was not acceptable I explained my complicated medical complications and offered and settled on a date that they would contact me to settle and close the case by excepting a much smaller portion that would not include late payments or surcharges. I was being charged nearly twice as much as my original debt. This original charge was used for buying prescription glasses for my child.. I could not afford insurance at that time and so buying glasses this way even though I was being taken advantage of was a necessity for my child. I tried to include additional phone numbers they were calling me from but your form only allowed XXXX. I could have supplied you with XXXX more. Again these phone calls are still being made several times a day and all hours of the day with multiple phone numbers.
Consumer complaint received 2016-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CA)

I was not offered an income based program while I was going through financial hardship and was falsely made to believe that the 3rd party enrollment agency I was going through to get me into the income based program properly was a scam. Nelnet caused me to place fraud reports on a legitimate company and tarnish their record while holding me to a payment I could not make having it adversely effect my credit.
Consumer complaint received 2016-10-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (PA)

This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, XXXX, XXXX, XXXX ( original creditor ) and JH Capital ( or JH Portfolio Debt Equities ; collection agency ). 
I currently have a {$6400.00} collection from JH Capital ( aka JH Portfolio Debt Equities ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the JH Capital tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, XXXX and XXXX ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and JH Capital to stop reporting this tradeline. I am also writing to require JH Capital to immediately stop reporting this tradeline.
Consumer complaint received 2016-10-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

Dispute -case number XXXX I have contacted DiTech/XXXX the representative XXXX XXXX, XXXX. She asked me to forward a letter stating I did not receive XXXX Loan Modifications ( According to XXXX XXXX XXXX -XXXX and XXXX XXXX XXXX XXXX XXXX ) . I was told by her to fax a letter indicating that I did not receive the loan modifications. Also, I asked if audio recording can be pulled to listen to the recording on specific dates and times that I called Green Tree and XXXX XXXX XXXX. The recorded lines will indicate the conversation held by a representative and myself regarding any Loan Modification ; especially when my loan was bought by XXXX XXXX XXXX from XXXX. I explained to XXXX ( DiTech ) XXXX did give me a Losn Modification.. I never received an opportunity to make the first trial payment due the fact XXXX XXXX XXXX purchased my loan. 
I have the date, time and name of the representative that refused to honor the loan Modification from XXXX. ( XXXX the way, I did not sign any consent to have my loan purchased from XXXX investor/services to another ) I am requesting the original PROMISSARY NOTE and original documents from all XXXX banks/investors/servicers. 
I have the documents XXXX forwarded to me. DiTech nor Green Tree has not sent any documents. This foreclosure was first initiated by XXXX XXXX XXXX. 
***What link do so use to upload documents? DiTech XXXX XXXX forwarded a document regarding a decision being made as to the letter I wrote stating I did not receive XXXX Loan Modifications by XXXX/XXXX/XXXX. 
My intent is to remain in my home. I just want justice and fairness.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I noticed XXXX erroneous accounts on my credit a few weeks ago and I immediately took steps to have this error corrected by contacting both the data furnisher ( XXXX XXXX ) and the bureau ( Experian ) which were reporting this incorrect information on my credit file. 
I am attaching the letter I sent to Experian in which I dispute the account on XXXX XXXX. I also am attaching the letter I sent to XXXX XXXX on XXXX XXXX, requesting a description of their " verification procedures '' as well as the XXXX forms transmitted by them to Experian regarding this account and any and all data submitted as " verification '' of this account. To date, I have received no response. Since my letter was sent out over 30 days ago, the window within which they must respond has now closed for them to provide requested verification proof. Therefore, as they are unverified accounts they must be immediately and permanently removed from my file, as per 15 U.S.C. 1681s-2 of the U.S. Code, which states : " ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. '' Please instruct Experian to remove these XXXX unverified and erroneous accounts from my credit history.