davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (MI)

My Mother In Law and my husband have an outstanding debt for a vehicle. However, the company calls from Exeter Finance phone numbers and from XXXX XXXX 's all day long. They call about every 30 minutes starting at XXXX until XXXX. I feel as if this is a form of harassment. If the company were to call a few times a day, I could understand. They are collecting a debt. I get it, but to call repeatedly throughout the day is unwarranted. I 'd like the excessive calls to end. And, for a reasonable amount of calls to resume.
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NV)

My husband and I have been trying to work with Vanderbilt for over a year to modify our home loan and they refuse to work with us. ( Loan # XXXX ) We fell behind on our mortgage in XX/XX/XXXX because my husband lost his job. Since then I 've been trying to work with and negotiate with Vanderbilt to try and bring my loan back to current. I was told that they would bring my interest rate as low as 5 % with a modification, only to be told later on that was impossible. Also, their website states that they do have programs available to help homeowners keep their homes and that homeowners will be reviewed for a modification after one year has passed since a modification was done, but I have not found any assistance with a modification review. I sent in countless documents and forms to prove my income just to be told I would not even be reviewed. 
I feel that we are being discriminated against by Vanderbilt and they are foreclosing on us illegally. They have been unable to give us a valid reason why they will not even review us for a modification. I spoke with Supervisor XXXX XXXX on XX/XX/XXXX to try to understand why they would not give us a review for a loan modification. I can only assume that XXXX XXXX has a personal issue with my husband and I and seems to have the final say in any decision made on our loan, demanding that we pay {$8400.00} ( half of the past due amount ) right away and not a penny less. I even scraped and borrowed and was able to get {$5000.00} together, but XXXX XXXX refused it. The representatives at Vanderbilt are not interested in helping borrowers as they claim to be. As if this was not enough, while in the middle of this process they put a sale date on my home for 2 months away! 
Also, during this conversation with XXXX XXXX, he said " We wo n't review you for a modification because we already said no. '' and that if I was unable to make my mortgage payments I " should n't have eaten, which is Vanderbilt 's policy. '' It seems that the future of my home depends solely on this XXXX individual. I asked XXXX XXXX why I could n't be reviewed for a loan modification to which he replied " I do n't have to tell you. '' I even told XXXX XXXX that my household income had changed, which is grounds for a new review and he replied that they do n't care and would rather just foreclose. The representatives at Vanderbilt are inconsistent and incompetent. XXXX XXXX has no reason to deny my husband and I for a modification review, other than having a personal issue with us. My husband and I are being discriminated against by this ruthless company, as they will not give us even a fighting chance to save our home or even a valid reason for their actions.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WLCC (CA)

Someone has been applying for loans using my social security number that I dont recognize. I have been getting emails from Explore Credit and phone calls about an approved application for a loan of {$800.00} with a 792.82 % interest rate paying back {$5800.00}. 
The banks routing number I do not recognize. 
Lender is WLCC lending located at XXXX XXXX XXXX XXXX GA XXXX.
Consumer complaint received 2015-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

My husband and I took out some loans, with XXXX XXXX that changed to Wachovia that changed to Wells Fargo. The XXXX on XXXX/XXXX/XXXX making XXXX payments fixed rate 11.89 %, the XXXX on XXXX/XXXX/XXXX making XXXX payments fixed rate 11.74 % and third on XXXX/XXXX/XXXX making XXXX payments fixed rate at 8.46 %. All small loan amounts. 
When the last payment was made on the XXXX loan, we got a letter in the mail that said we needed to pay additional fees before they would send us the title. I questioned the reason and they would not give me any documents or what the fees where other than that if I did not pay the money, they would foreclose on the property. So I paid the fee. 
The XXXX loan payment will be paid off this month and I received a letter in XXXX saying that our load was maturing, but I noticed that the amount owed was too high for XXXX more payments. So since XXXX I have been requesting why so high and what are the additional fees of approximately {$2000.00} that is due on the loan as we have a fixed rate and not a balloon payment nor late since the bank has debit every payment out of our checking account. 
Now the XXXX loan, I have been going to the bank and calling since I found out in XXXX that some how the bank made an error and allowed some XXXX in Arizona to changed our loan instead of a different loan as someone got our accounts mixed up. I have been trying to get it refinanced through them to get it paid off quicker and get the interest rate lower to fix what ever was done to the loan as the amount of what is owed has not gone down hardly at all in over 15 years. 
I finally pulled out all my paperwork and found out that Wells Fargo has been handling my loan not with the fixed rate which is in all my documents but as a DSI loan. Daily Simple Interest which is compounded differently. I had to XXXX DSI and talk to a lawyer to find out what that did to my loan, which explains why they were charging additional fees and why my XXXX loan was not going down. I have repeatedly requested a copy of all my payments and documents on file of all XXXX loans, and they only have information since XXXX, and only received this week the payments for the XXXX loan. It also shows that when they started documenting in XXXX they showed additional miscellaneous charges of up to {$1000.00} at a time. I call every week XXXX to XXXX times a week and am getting the run around, with no XXXX able to tell me why I owe additional fees or why the payments is not going down, but staying the same. I know that if they did this to me on XXXX loans that there are most likely a lot more in the same situation. The bottom line is this is not just fraud, but since the companies main office I have to deal with is in Arizona and no one in the local office can help me as they have to call Arizona, it should be considered a federal crime of fraud.
Consumer complaint received 2016-03-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (NY)

I lost my job XXXX XXXX, 2016. I called Honda Financial Services to inform them of this and see about deferring some payments until I could get working again. I was told " no '' because I had n't had my vehicle long enough to make six consecutive payments. I assumed I would be getting a tax refund this year and just get caught up with that money. When I went to file my taxes, I learned I was going to be PAYING IN and getting NO refund.I called Honda back and asked them to work with me.Again, I was told " no ''. 
After asking several family members ( who are all financially strapped themselves ) for assistance and them being unable to help, I called Honda back and asked again for help so I can keep my vehicle, and again was told " no ''. I explained I was not unemployed by choice and am looking for new employment like a madwoman! I was told being unemployed is not considered a " hardship ''. Are these people all high??? It 's a hardship for me! 
I live in a very rural area.We have NO public transportation here! If you do n't have wheels, you DO N'T work, nobody will hire me without them! I have asked Honda several times if they will help me with my loan so I can keep my vehicle. My XXXX mother co-signed the loan and lives on social security.She has no way to help me out.Honda sent me a past due notice and in there it states if I am having financial difficulties, to contact them immediately and they can help.They have offered me NO help and I do n't want to lose my truck!
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

I bought a product which was defective and did not complete the task desired. I asked for a refund from the company which they quickly agreed to with no issue ( smile direct club ). That was mid XXXX. They informed me it would take XXXX business days. I consistently contacted them once a week to which they gave me updates. Finally mid XXXX I filled a claim with my Chase bank saying that I was expecting a refund and didnt receive since it was over the expected time. They closed the case in a day saying they didnt have it and can no longer try to get it. I contacted the merchant and they told me the refund was processed XX/XX/2023. I went back to the bank around XX/XX/XXXX th to which they told me to go to the authorities that nothing can be done and Im screwed. They were lying to me. I contacted the merchant again and asked for the details which were provided. Finally I called Chase to let them know but even before I asked they said if youre calling about smoke direct club then I dont know what to tell you as if they were already talking about it. I uploaded proof of the processed refund to which they still said we dont have it. Its been almost triple the expected wait time. They are trying to still my money.
Consumer complaint received 2023-10-27
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: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (PA)

American Express Savings blocked me from accessing my account by disabling my ID without any prior notification. When trying to login to my American Express Savings account which I've had for XXXX years, I got a notification that my ID no longer existed, and I was unable to access my account. When I called customer service, they informed me that they had blocked my access in violation of their terms of service which state that " You may access our website at any time at go/amex/savingshome. If you have enrolled if you have enrolled in online banking and established a User ID and password. '' Only after spending hours on the phone with several processors did they determine that I was indeed never sent any notifications because I get my statements in paper format, and that they were trying to extract additional personal information from me so that they could link my credit cards to my savings accounts. I was eventually informed that they hadn't XXXX my ID or Account, they had just hidden access to it behind a new URL that again was not documented ( and still is not ) in their Terms of Service. 

This appears to be an attempt by American Express Savings to prevent customers from withdrawing their funds while banks everywhere are struggling with customers leaving for better rates elsewhere.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (FL)

I had a Checking Account, Savings Account and Charge Card with SunTrust. They merged with another bank and became Truist Bank. From day one I had a problem with Truist online banking. I closed the Checking Account, Savings Account and Charge Card in XXXX. I received no further statements from Truist. In XX/XX/XXXX, I received a letter from Truist Bank, stating I owed them {$20.00} in late fees and Interest on purchases made to my charge card. I contacted Truist Customer Service and told them I had no charge card with Truist Bank, that they were closed in XXXX and I had not received any Invoices. I asked then to send me copy of the charge statement and to open a Dispute against the charges. They opened a Dispute, Case # XXXX. I they received another letter stating I owed then more money for Interest and Late Fees. I also received two Statements. A statement for XXXX showed one charge for {$150.00}, showing a charge made to XXXX, XXXX ( a XXXX XXXX company ) and a second statement for XXXX showed three charges for {$150.00}, showing all three charges were made to XXXX, XXXX ( a XXXX XXXX XXXX XXXX Company ). I contacted Truist Fraud Department and had them also open a second Dispute Case # XXXX. They stated that all charges were made to credit card XXXX.I told them they need to close all Credit cards associated with my closed accounts. They closed accounts for Credit cards XXXX and XXXX. They closed all credit card accounts. They further told me that the credit card was issued in XXXX. I told them I never received any Credit cards. They could not tell when or who activated the credit cards. I went to the Truist bank closes to me and spoke with XXXX XXXX, Senior Relations Banker. She contacted Truist Bank, and they told her the Disputes had been transferred to account XXXX form account XXXX, because XXXX was the main account holder. I began receiving statements from Truist Bank stating I had past due Interest fees and Late charges. I went to the local XXXX Department and spoke to a XXXX XXXX. He contacted Truist Bank Customer Service, and they told him the Dispute cases were still opened and the Disputes would be resolved within 60 days. I filed a case With the Government Identify Theft Department. This is XX/XX/XXXX, and I am still receiving statements showing the Interest and Late charges still coming and the current balance is {$400.00}, up from the initial charges of {$310.00}. As of this date they told me the two Disputes are still open.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (MO)

Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company CCS Collection Systems and XXXXXXXXXXXX XXXX XXXX XXXX As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement.

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement.

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NY)

I am formally complaining against LVNV FUNDING LLC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any XXXX party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have never done any business with LVNV FUNDING LLC nor can they provide any contracts that I owe then any money yet they continue to report this information on my credit files to all the 3 credit reporting agencies. 

I have contacted LVNV FUNDING LLC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that LVNV FUNDING LLC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Consumer complaint received 2015-07-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (PA)

I keep getting collection letters from Resurgent Capital in regards to a credit card that to my knowledge I never had. In addition at the bottom of the page they have this " by law we have to " etc etc. Basically states that if I write a letter disputing they will provide proof. If I do n't the debt will be assumed real. The problem is they leave no mailing address on the bill. When I call they want my social sec # as they say that is protocol and will not give me address. I have went thru this with several reps. I finally got XXXX and she gave me the address which was different then the one that was randomly placed at the top of the letter without a business name, so you were not sure if that was correct. Obviously that address would have never gotten to them ... .HMMMM? The reps name I spoke with was XXXX, she said her last name when she answered but when I asked her to repeat it she would n't. She gave me this mailing address ; Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
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. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (UT)

I requested a refund in XXXX of payments made on my federal student loans during the XXXX payment pause in according to the Cares Act. The majority of these payments were made to XXXX and the loans were moved to be serviced by Mohela. Mohela says they have processed the request and the balance has shown up on my account with them and is now accruing interest. The Mohela representative said the Dept of Education and the Treasury would be responsible to figure out the payments made to XXXX and that I should recieve the refund within 60 days. It is over 60 days and Mohela is unable to provide me any information but they have increased my balance and it is accumulating interest but I have yet to be refunded. I am being charged for interest on money I have paid and refund has not yet been issued. Where is the refund? I can not identify anyone who can help me.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

in accordance with the fair credit reporting act XXXX XXXXXXXX # XXXX XXXX XXXX which was said to b opened XX/XX/XXXX XXXXXX/XX/2022 has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE COLLECTION ACCOUNTS IS NOT MINE.I HAVE NO KNOWLEDGE OF THESE ACCOUNTS 15 USC 1681b. 


CHARGE OFFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} THESE COMPANIES HASBEEN RAN AS A CHARGE OFF AND THE COMPANIES HAS REFUSED TO SEND ME THE CANCELLATION OF DEBT FORM 1099C.BECAUSE OF THAT THESE ACCOUNTARE INACCURATE AND NEEDS TO BE REMOVED 15 USC 1681b.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This complaint is a follow up on complaint number - ( XXXX ) the company closed the complaint the next day. Stating -This complaint lists someone the company does not recognize as their customer or their customers authorized representative. If they dont recognize me as a customer or representative of the account .. then why is the account on my consumer report? 
It has come to my attention that I was never provided with an opt-out option regarding this account. According to my rights under the law, I hereby demand the immediate removal of this account, not as a matter of policy but as a matter of legal obligation. 
It is important to note that there is no law that mandates the permanent inclusion of an account on a consumer report once the consumer has requested its removal or the removal of their private information. Failure to comply with this request will leave me with no alternative but to pursue legal action against XXXX XXXX XXXX. 
I wish to emphasize that my intention is not to cause financial harm to any party, but rather to seek a fair resolution in line with the law. XXXX XXXX XXXX, with an annual revenue of XXXX XXXX dollars, must be held accountable for its reporting accuracy. As previously mentioned, the absence of a legal requirement for an account to remain on a consumer report post a removal request places the onus on XXXX XXXX XXXX to address this matter promptly and professionally. I hope that we can resolve this situation amicably without resorting to legal action. 
I anticipate your prompt attention to this request and the subsequent removal of the inaccurate account from my consumer report. I kindly request that you acknowledge this communication at your earliest convenience.