davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (FL)

I have an auto loan with Regional Acceptance Corporation that I opened in XXXX. I have been paying on this loan for more than 5 years giving them almost XXXX a month. The loan amount was {$16000.00} and they are telling me because of interest and late fees that I still owe them over {$10000.00}. As of last month, I have paid them a total of about {$22000.00}, so they are telling me that I have given them {$16000.00} in late fees and interest. When I purchased this car I felt like I was being pressured and plowed down by XXXX people in an office at XXXX XXXX in XXXX XXXX FL and they found this finance company for me. I am scared they are going to reposses my car which by the way was not even new it was a XXXX when I bought it and only worth about {$12000.00}. I have been struggling to pay for this car since the beginning and I have been taken advantage of to the extreme. I do n't want this on my credit so I continue to pay for it. I feel like I was open prey and that this is very very unfair practice. They have no reason to continue making me pay for this car. They already got the entire sum plus more! Please someone help me. Thank you.
Consumer complaint received 2016-01-20
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rosen Management Services Inc. (AL)

I was contacted by XXXX XXXX. She stated I had a debt with XXXX XXXX XXXX, for a loan I took out online in XXXX. I told her I do n't remember taking out a loan during that time and asked her to mail me a copy of the paperwork. She stated she can email me but can not mail it because it force a wage garnishment against me. She emailed me the paperwork on XXXX/XXXX/XXXX and I pulled my credit report. This company is not on my credit report and I called XXXX today and made a dispute about this bill and she informed the bill has gone back to the original creditor. I told her I wanted the paperwork mailed to me and she claim she will. I do not owe this debt nor have I taken out a loan with company. Also, on the email link she sent me, another name was on the email, Rosen Management Services. I do n't know who they are either. It is scary how they received my personal information.
Consumer complaint received 2016-01-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Brown Law, PLLC (TX)

I received at call on my cell phone from this company Brown Law and I asked them so send me a validation of debt for the account that they are trying to collect on. I received documentation but not enough to actually do any research to see who the creditor is and what the charges are. I also received a voice mail message on my cell phone which is a number that I have listed with the XXXX. When I asked who they were collecting for, the original company she said possibly XXXX XXXX? Are n't you supposed to know? I need more information in order to settle.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I disputed a public record of a bankruptcy with Equifax. They are refusing toremove this from my credit report. They claim they have used a XXXX party toverify this which is illegal under California state law. They must verify itthemselves or remove it. The removed it from my husbands credit file butrefuse to remove it from mine.
Consumer complaint received 2016-01-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber (CA)

After receiving a debt collection notice on a bill from XXXX XXXX, I called the collection company to dispute this as I did not receive the bill. I was told by the collection agency that I should contact my insurance company for any back up regarding this bill. I called XXXX XXXX after getting the number online, and spoke to a XXXX, who could not provide me a copy of the bill and sadly told me to contact the collection agency with whom would not provide me any paper work other than what is on the collection notice. 

Since this occurred yesterday, I have had to block harassing calls. 

Please help, my health can not continue to deal with this in such a terrible manner.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

A satisfied judgment was filed XXXX and placed on my credit report. I would like this item removed from my credit report as the 7 year waiting period has expired. XXXX have dropped the item from my report. I would like Transunion to do the same.
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Error. XXXX XXXX ( Lender ) and Specialized Loan Service ( Servicer ) ( " SLS '' ) have erred by not evaluating my ( several ) loss mitigation application ( s ) in accordance with RESPA. In particular : a. Failure to evaluate a complete loss mitigation application. SLS has requested the same documentation several times, to which I have responded each time : SLS request XXXX XXXX ; SLS request XXXX reply XXXX ; SLS request XXXX reply XXXX ; SLS request XXXX reply XXXX, and SLS request XXXX reply XXXX. 

b. Failure to provide accurate information. SLS is requiring a signature and/or information from a party unnecessarily. 
XXXX SLS continues to require financial information for an owner of the property who is not personally liable to repay the note, has surrendered the property in XXXX per final bankruptcy discharge, has been living in another home since XXXX as evidenced by a signed lease agreement for a residence which has been provided to SLS, who is not contributing to the mortgage payments in any manner, who is noted in court orders since XXXX XXXX as residing at the leased residence, and has no intention of returning to the property. 
ii. SLS has dual tracked by filing a motion for relief in my bankruptcy case no. XXXX ( XXXX XXXX XXXX ) while complete loss mitigation application ( s ) are pending. 
iii. SLS has failed to acknowledge and failed to respond to my Requests for Information sent on XXXX and XXXX.
Consumer complaint received 2024-08-18
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. (IN)

I was a victim of XXXX XXXX and debt bondage. 
I am seeking help on my situation where my credit report reflects an outstanding debt that I strongly suspect is connected to a case of debt bondage. The circumstances surrounding this debt raise serious ethical and legal concerns, as it may involve fraudulent or coercive practices that have led to an unjust and burdensome financial obligation.
Consumer complaint received 2016-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (CT)

XXXX University, American Education Services. Graduating in the great recession was difficult, dealing with AES is impossible. I just started XXXX businesses and I wanted to postpone payments to get back on my feet. I 'd done this once before to catch up. In XXXX, I 'd filled out the paperwork suggested by AES, faxed it in ( which is difficult, no one has a fax these days ). They said " that 's it you 're all set '' 3 months later I 'm getting collection calls at all hours of the day and night while my grandma was on XXXX none the less. Thanks! Finally I just paid the money so they 'd stop calling. The same thing keeps happening. I go through the trouble of filling out all this paperwork, sending my tax return and wasting time with customer service. Each AES representative has something different to say. This has happened several times. They assure me everything is all set, or that they 're sending forms via email and regular mail. Now I 'm not even getting forms. I 've had nearly everything I own robbed from me in XXXX. That was an awful feeling, the feeling AES is giving me is even worse. I 'm just trying to get my business off the ground and AES is there to ruin any chance of me succeeding, probably buying a house in the future. The only thing they 're good at is ruining my credit. I 'm confident that this is XXXX of the worst run businesses in the world. Oh and want to know about my other student loans, NO PROBLEM. XXXX of them is paid off in full. AES on the other hand is raping my financial stability. I studied XXXX and that was a walk in the park compared to dealing with AES. If you call their customer service, an automated voice takes 10 minutes to check if you were in the armed forces. I ca n't believe I owe this company money and I will certainly be looking for any alternative. A high interest credit card would be a better option in my opinion. I 'm absolutely broken by this company, words really ca n't describe how I feel. It 's not like this has happened once or twice. It 's happened so many times that robbing a bank seems like a sensible option to get rid of this loan. I bet if I had the money in my hand to pay off in full, it would be a huge hassle. I hope that something can be done about this. It 's completely unfair.
Consumer complaint received 2016-01-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have received a credit card offer in the mail on XXXX/XXXX/2016 for my deceased wife, XXXX XXXX. She has been deceased for over one year. Eight months ago I placed her name on the FTC list for opting out of solicitations. I have attempted to contact the company by following instructions from their web-site. Their privacy policy directs me to " submit an unsubscribe request '' yet no feature exists on their website. The policy provides no alternative phone number nor mailing address. My complaint is to report the credit card company for violating federal regulations by publishing a privacy policy with bogus opt-out instructions.
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: TD BANK US HOLDING COMPANY (DE)

At the time my XXXX & XXXX year old parents got a 1st line home equity 10 yr interest only loan through TD Bank 5 years ago. This past XXXX TD Bank asked for income documentation for the 5 yr renewal period for the last 5 years. So with dad just passing away my XXXX year old mother sent in the income information as asked. They then came back and said " sorry you do not still qualify for the last 5 years of a payment around {$650.00} a month, we have to convert your loan into a 10yr fix at {$2500.00} a month. We are baffled as the promissory note states TD Bank has the rite to allow the final 5 years however they state that mom does make enough money to pay the {$650.00} a month so here is the new loan at {$2500.00} a month. So then in XXXX they said we could apply for a loan modification however the guidelines for that are being late on the mortgage which she was n't late so they DENIED her. So now we have a ten yr payment of {$2500.00} which we can not afford and they want to foreclose on her. All we want is the final 5 years of the deal she signed up for.
Consumer complaint received 2016-01-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Capital Enterprises, Inc. (CA)

American Capital Enterprises , Inc. said I owe a debt for my son, As I have no sons, I am confused. I do have XXXX daughters, but XXXX of them were at or over the age of XXXX at the time they are saying the debt occurred, so I would not be responsible for their debts. 

They also said they did not have my address, even though it was part of my last complaint. For the record, my mailing address is : XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

I request # 1 proof that this is my debt with my signature, # 2 proof that this debt was assigned to them and # 3 proof that this debt can legally be assigned and collected by a 3rd party ( again, I need a signed contract showing this ). If this proof can not be provided, they are in violation of the fair credit laws and reporting such a debt on my credit report is illegal. 

Also for the record, I am disputing this debt and all the legal responsibilities and rights that go with this need to be enforced by American Capital Enterprises , Inc.
Consumer complaint received 2016-01-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

Dear XXXX, I am seeking help to resolve home loan matter since XXXX. I filed for bankruptcy back in XXXX and was not aware that you all would not reaffirm my home loan at XXXX XXXX XXXX XXXX GA XXXX. LOAN # XXXX after chapter XXXX bankruptcy. XXXX of XXXX the house was destroyed by fired due to lightening, I have reached out to the Recovery department trying to resolve this matter as well. I have even gone as far as hiring attorney XXXX XXXX The XXXX Law Firm, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX here in XXXX Ga. to help and we XXXX continue to receive system generate letters repeated even after several request to settle this outstanding balance. I need help to this resolution. We received notification that we would have an answer by XXXX XXXX. Just today I received another letter stating XXXX XXXX. The next week we will receive another letter until we make another written request and phone call to resolve this matter. 
Can you please assist with me closing this account out in full please and restore my account with FHA lending as well. I have the check and ready to move forward with this immediately. We do n't know what to do the insurance company XXXX XXXX Insurance wants to resolve as well as we do. We have the check to resolve this matter. But being refused helped. 
Anything you could do is greatly appreciated. 
Sincerely XXXX XXXX
Consumer complaint received 2016-01-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ASSOCIATED BANC-CORP (WI)

I have spoken to 3 employees of Associated Bank on XXXX, XXXX. The bank has offered to share the attorney fees but refuses to do anything to repair the late payments they have placed on my credit rating. Until this issue, I have NEVER had a late payment listed on my credit. 

RE : Equity Loan Plan Account Agreement and Mortgage Note Loan No. XXXX Yesterday, I learned for the first time that my home equity account was past due because Associated Bank cancelled my scheduled automated payments that amounted to 2.5 times the minimum payment amount in XXXX XXXX. Associated Bank has retained a collection agency ( XXXX XXXX XXXX, XXXX XXXX, WI ) to foreclose on my home without contacting me concerning the stoppage of payment which Associated Bank admits they are responsible for. These payments have been in effect for over 3+ years without issue. 
Due to Associated Bank stopping the payments, I am now being asked to pay considerable late fees, attorney 's fees, etc. in the amount of {$1000.00}. My credit rating has also suffered a XXXX point reduction due to this issue ( XXXX in XXXX XXXX, current XXXX ). 
It is my believe that Associated Bank had a responsibility to notify me in a prompt manner ( XXXX or XXXX XXXX ) in order for me to resolve this issue without fees. Associated Bank failed to do so which has led to the current issues. Once notified ( XXXX XXXX, XXXX ) I immediately contacted XXXX XXXX ( XXXX ext XXXX ) to resolve this issue. Associated Bank wishes to hold my home as ransom to force me to pay all fees. I have offered to pay all back payments and late charges ( {$600.00} ) and even attempted to online pay the amount of {$600.00}. In order to resolve this matter I am willing to split the attorney fees of {$890.00} with Associated Bank if they agree to restore my credit to its level of XXXX XXXX. Associated Bank via email yesterday has given me until XXXX XXXX, XXXX to pay ALL fees or they will continue foreclosure. I have also been informed that a supervisor ( XXXX ) would contact me. This has not happened 24 hours later. 
If Associated Bank does not contact me to accept my offer I will pay the amount of {$1600.00} as required by XXXX XXXX, XXXX. I will then begin legal action against Associated Bank to have returned all fees and for {$3000.00} for the damage done to my credit due to Associated Banks actions. I have tried to be fair with this issue and have not even been given a chance to be heard.
Consumer complaint received 2016-01-20
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XXXX XXXX, 2015 I sent via snail mail the Capital One Transaction Support Center the following signed letter : " Dear Capital One, Thank you for your update notice dated XXXX XXXX, 2015 regarding my dispute with XXXX XXXX billed on XXXX/XXXX/2015 for {$71.00}. Per your letter, I write to provide you with documentation ( email sent by the merchant XXXX XXXX, 2015 ) that substantiates that my subscription ( ID : XXXX ) was canceled, the request was processed, and no further charges should have been posted by the merchant. 
This enclosed email from the merchant is the only documentation I received from the merchant ; therefore, I thought everything was resolved. Clearly, the merchant from the beginning should not have applied a charge to my account. I 'm grateful that you credited my account when I initially contacted you, and once again respectfully request that you re-credit my account for {$71.00} because I have provided per your request substantial documentation to the contrary. '' On XXXX XXXX, 2015 I received a response notice from Capital One Transaction Support Center re : case number XXXX stating " While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim because we can only request a credit from a merchant if we can document how the merchant violated an operating guideline. Unfortunately, based on the information we have, we 're unable to request a credit from the merchant. If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. ''
Consumer complaint received 2016-01-20
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (VA)

A buyer has purchased a watch from me online and paid with a Chase credit card. Transaction amount was {$5800.00}. I have mailed the item to the buyer 's billing address with XXXX tracked service. A buyer 's signature was obtained by XXXX at the time of delivery. Chase - the bank-issuer of the buyer 's credit card - initiated an unauthorized transaction request. I have provided XXXX ( my account holder ) and XXXX supposedly forwarded to Chase all the requested transaction and shipping records, which clearly shown that I have mailed the product to the buyer 's billing address and buyer has signed for the package and XXXX checked his government issued picture ID on delivery. 
In about a month Chase reversed the original transaction and has received {$5800.00} back without any explanation!!!! 
XXXX reps confirmed that as a seller I HAVE SATISFIED all requirements for the involved transaction. XXXX reps also confirmed that the buyer 's bank ( Chase ) HAS NOT provided any information regarding the case. The buyer 's bank has to provide NO information on the transaction in question and XXXX would transfer money to the bank EVERY TIME the bank asks REGARDLESS of the evidences a seller provides. They specifically stressed this would happen EVERY TIME. 

Unauthorized transactions happen, but responsibility and risk have to be shared between the seller/buyer and banks of the seller/buyer. For transactions such as mine - when item is shipped to the buyer 's billing address ( recorded and confirmed by the buyer 's bank ) with buyer 's signature and ID check on delivery - the responsibility has to be clearly on the buyer and buyer 's bank, and not on the seller. Otherwise, ANY buyer can use his credit card and order ANY item online without a need to pay for it, regardless of what evidence the seller provides and regardless what the seller does. 

This practice is very unfair to online sellers and very dangerous for the credit card industry. I expect Chase to deliver the funds {$5800.00} back to my XXXX account and deal with the buyer directly. 

I 'm attaching the transaction records so that the bank can identify the transaction. Here are the transaction details : Buyer 's name : XXXX XXXX Buyer 's adddress : XXXX XXXX XXXX, XXXX XXXX, California, XXXX, United States Buyer 's Phone : XXXX Transaction date/time : XXXX XXXX 2015 XXXX Buyer 's IP address : XXXX Transaction ID ( it 's XXXX or CC trancation ID ) : XXXX
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: ASSOCIATED BANC-CORP (IL)

I applied for a mortgage with Associated Bank out of XXXX XXXX, WI. I authorized them to pull credit on my XXXX/XXXX/XXXX. After receiving a pre-approval, I made an offer on a house. After I made the offer and turned in more paperwork for them, they came back with a debt to income ratio that did n't work for them. They had me pay off my car for $ XXXX and a credit card for $ XXXX which I did to get the debt to income in line. Also, I was going to put 25 % down ( over $ 90K ) and my only debt was then a cell phone bill and an insurance payment. They once again told me that my debt to income ratio did n't work for them and they needed my wife to be on the loan. So they ran her credit and had her do the required paperwork only to back out of the deal completely on XXXX/XXXX/XXXX due to some credit issues related to an old business she owned. Since then all credit issues have been resolved through a credit correction agency and we were approved for a mortgage with another bank. The reason for the complaint is that on XXXX/XXXX/XXXX Associated Bank pulled credit on us again without authorization. We were notified of this because we were in underwriting with the other bank and they needed a letter of explanation stating why we were applying for credit. I contacted our mortgage representative, XXXX XXXX, at Associated Bank several times without getting a valid reason for the credit pull 9 days after they send us a letter telling us they could no longer help us obtain a mortgage. Twice I requested that they send me a letter ( on bank letterhead ) stating that the report was pulled in error and that no credit was extended, a brief apology and that they would be contacting the credit bureaus to have the inquiry removed. I have received no such letter as of today XXXX/XXXX/XXXX. Based on my experience, Associated Bank and/or XXXX XXXX are deceptive in their intentions related to their mortgage process or their process is broken. It is possible they did n't even have the money to lend. At this point I still want my letter and feel they should be fined. Beware!
Consumer complaint received 2016-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pinnacle Credit Services, LLC (OH)

I have filed a dispute due to the inaccurate information on my credit report as reported by Pinnacle Credit Services. I never received a response back concerning the account. The item listed by Pinnacle has missing information such as the proper open account date. The OPEN DATE is in direct conflict with the Date of last activity. This account is in error and should be removed from all XXXX credit bureaus. The account number is XXXX.