davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (AR)

On XX/XX/year>XXXX  I filed a dispute with Regions about my card being stolen and funds where stolen from my account. On XX/XX/year>XXXX  Regions removed the remaining funds from my account and closed it without any update on my claim or explanation. I don't understand how my account closed immediately after a claim was filed. I request that this claim be governed for constructive fraud from this company.`
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have disputed multiple times the incorrect information being reported for an installment loan from XXXX Mortgage that 's has been continually reported as a mortgage loan and now I am unable to qualify for a first time home buyer loan due to this issue so I am unable to purchase a home and I am going to have nowhere to live due to the fact that my current lease is getting ready to expire.. PLEASE help me, I do n't know what else to do, myself and my son are in a very difficult situation and I need immediate assistance. 

I from the bottom of my heart appreciate your immediate assistance. 
XXXX XXXX
Consumer complaint received 2016-11-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MRS BPO, LLC (VA)

This company has placed a stop on my vehicle registration for supposed tunnel fees that they should not have been accrued due to me having XXXX EZ pass accounts for over 8 years. I spoke to a manager by the name of XXXX XXXX who was rude and unwilling to even listen to me. He tried to tell me that they have charged me {$53.00} per transaction for {$1.00} tunnel fees that they admittedly never sent me an itemization of from 2013. They apparently received my information from the XXXX XXXX XXXX XXXX, which I have only used about XXXX times in the past going to see XXXX, as I am a XXXX. This is an absolute scam. The manager told me that he was unwilling to release my registration with the Virginia DMV unless I paid him {$450.00} for my car and another {$400.00} for my SUV that I no longer even own. The state needs to do something about these companies praying on people to collect fictitious fees. I asked him over and over to give me dates because I am disputing this being that I have an EZ pass account with XXXX EZ passes. This is ridiculous and futhermore, if this was from 3 years ago, why havent they made any contact with me and why are they just now placing a hold on my registration? I contacted them when I found out about the hold while trying to register my XXXX. My SUV was registered with no issue back in XXXX. This should be illegal and the state should put a stop to these predatory practices. I am attaching proof of my EZ passes.
Consumer complaint received 2016-11-28
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (CA)

I have set up my account with Honda Financial Services for autopay for several months now. Somehow autopay discontinued the day of an XXXX/XXXX/2016 payment date and I did not get any notifications or letters that payment was pending or that autopay was canceled. I was then charged a {$20.00} late fee and I received no notificarions of non-payment. Then they finally mailed a letter to me dated XXXX/XXXX/2016 that my account is not in good standing. They reported me negatively on my credit score on XXXX/XXXX/2016 - it dropped by XXXX. I was given no real chance to know or resolve the issue. I received the letter they sent on XXXX/XXXX/2016 on XXXX/XXXX/2016 due to the holiday. I did not even know my account was in bad standing until I checked my credit score on XXXX/XXXX/2016. I immediately logged in and paid the full amount due. I called Honda Financial Services on XXXX/XXXX/2016 to ask what happened to my autopay and to let them know I was n't notified of anything. The representative told me that by law they do not have to notify me of anything and are not obligated to let me know. This is ridiculous and very upsetting that I trusted their autopay system and for almost a year had no issues with it and for something to like this to happen, for which I did not do, and for them to not give me any courtesy emails or mail or phone calls until I was knocked XXXX down on my XXXX score. The representative also told me it is not their problem it is mine. I feel very cheated and believe this is a great injustice as it hurts me a lot, for something I did not do wrong and for trusting their system.
Consumer complaint received 2016-12-29
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NH)

Ally Auto has reported a XXXX day late payment for the XX/XX/2016 payment. The payment was made online XX/XX/2016 on the XX/XX/XXXX day. I have asked Ally to review and correct and had no response. Below is the online confirmation of the payment made XX/XX/2016 : print View details : Make a Payment Account Account Number Login Date/Time Requested By Transaction Date/Time ( ET ) XXXX XXXX XXXX/XXXX/2016, XXXX am thomasgirard XX/XX/2016, XXXX am Note : Transaction Date/Time shown is Eastern Time Zone Payment Confirmation Number : XXXX Payment Type : online Total Amount Paid : {$370.00} Payment Date : XX/XX/2016 Payment Account Number : XXXX Payment Account Routing Number : XXXX
Consumer complaint received 2016-11-29
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (PA)

I applied for a VA loan through Wells Fargo XX/XX/2016. I submitted all my necessary information, met the criteria for the credit report, met the income to debt ratio, submitted all documentation, obtain a termite inspection, paid and completed an appraisal. ( all submitted within 6 weeks ). Wells fargo wanted different items, which were then provided, then they requested more which was provided. They told me to not do the water test, and three weeks prior to the lock rate expiring, they said I needed a water test. Water test completed, extension filed, then all previous documents starting to expire. Wells fargo said they submitted to VA, which they NEVER done, and requested more documents that were about to expire. I ran into a family loss and hardship during this time. My credit report expired and they needed update. I dropped XXXX points, and Wells Fargo dropped my loan. The loan never left Wells Fargo for VA approval, and I would have cleared VA requirements if Wells fargo had done their portion accurately and on a timely basis. Today, after I was informed of my application denial, ( 4 months after applying ) they wanted 2 years XXXX. I do n't believe Wells Fargo was willing from the beginning to approve my VA loan.
Consumer complaint received 2016-07-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (MI)

I made a purchase to a XXXX Compass jeep. After filing backrupcy XX/XX/XXXX, this debt was discharge/charged off. It is still appearing on my credit report after several attempts/request to have it removed. This derogatory remark is causing a drop in my FICA score and raising my interest rate with other lenders. I request this to be removed from any future credit reporting services. Thank you.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (PA)

This is my second complaint to CFPB against PHH. In XXXX XXXX, I filed a complaint against PHH. However, before PHH could respond, XXXX, to which PHH had sold the Property already started eviction actions against me ( XXXX XXXX ). Therefore by the time PHH responded to the CFPB complaint in XXXX XXXX - essentially admitting their errors in fulfilling the agreed TPP - I had filed a civil complaint against both PHH and XXXX to protect my rights against their unlawful foreclosure and eviction actions, respectively. Because I have been proceeding pro se, both PHH and XXXX have continued to drag out this easily discernible injustice by legal maneuverings which I have been inadequately trying to defend. As a result, PHH has been able to skirt the issue of their failure to deal fairly in the execution of the TPP which was in place in XXXX and which, by their own admission, I never violated. My appeal is that CFPB will use a plain and straightforward method of enforcing the applicable regulations with which PHH has refused to comply for these 6 years ( from the onset of the TPP ) to date. 
Specific details, including timelines and pertinent court orders to date are in the attached documents. As of today 's date, my family and I face imminent but unlawful eviction from the Property at XXXX PA XXXX.
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (IL)

On XXXX XXXX I submitted my mortgage payment through Caliber Home Loans online site. I have been paying my mortgage this way since I got the loan and I have never had any problems until XXXX. My payment was denied. I called and was told my account was closed. This information is incorrect. My account is valid and funds are available. I made my payment again on XXXX XXXX and again it was rejected. I called again and talked to a supervisor who was no help at all. I was told I could not have the phone number to their accounting department to try to straighten this out as they do not take phone calls! What? That 's ridiculous. How can you resolve an issue if you ca n't talk to anyone! I called my bank and they said a payment was never initiated by this company. I ended up sending a check overnight and I am still waiting to see the outcome of this " try '' which will be # XXXX now. I am concerned because everything I am reading on the internet it seems this is happening to a lot of people every XX/XX/XXXX. Seems to be too much of a coincidence to me. I do not want my account to be late or late fees added when I am doing everything I can to keep my account current.
Consumer complaint received 2016-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northstar Location Services, LLC (MD)

My business sold XX/XX/XXXX XXXX continued to debt my business account for use of their credit card machine for months..After the new owners obtained their credit card machine, I received a letter form XXXX on XX/XX/XXXX requesting {$51.00}, because I closed the business bank account.. I then removed the machine, mailing it back to XXXX on XX/XX/XXXX. XXXX XXXX then informs me I still owe for the machine. I returned it and they acknowledged they received it.I have requested a copy of any contract they say I signed to pay even if the business sold.XXXX would not send a copy. They have now turned this over to a collection agency XXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Equifax data breach. Their automated system told me that I am apart of the affected party. Their lax attitude on the personal security of XXXX people is cause for alarm. They have been aware of the breach since XXXX and are just now making a statement. My information very well may have been compromised in such time. Unacceptable.
Consumer complaint received 2016-10-24
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

On XXXX XXXX, I applied for the iPhone Upgrade Program through Citizens One Bank and was denied because the information on my application did not match the information on my XXXX credit report. I called Citizens One on Sunday, XXXX XXXX, and had them file an appeal. I was told the appeal would take five business days to complete. 

The following Saturday, XXXX XXXX, I called because I had not heard from them. This resulted in me calling almost daily for the next week to inquire about the status of my appeal. Ultimately, I got frustrated by the lack of progress and filed a complaint with the OCC, who forwarded it to the CFPB. They sent the complaint on to Citizens One, who called me to inquire about the complaint. The following Monday ( today ), I received a call from their appeals department who researched the matter. 

Ultimately, I was told I had incorrectly entered my birth year in the application, which caused the denial. They told me that my denial had been overturned and that I could reapply for the program. However, I would have to do it in-store. Their system would not allow me to do it again online. 

I told Citizens One that I live two hours away from an XXXX and asked if I could do it at another store that sold iPhones ( XXXX XXXX XXXX, XXXX XXXX, etc. ). I asked them if there was any way that I could do it online and they said that I would have to wait until XXXX XXXX and apply again, which would result in a second hard pull of my credit. 

I believe this to be discriminatory against those who live in rural areas that do not have access to an XXXX XXXX. Furthermore, I see little-to-no reason why the online shopping systems could not be upgraded to handle such an issue or why Citizen One could not process this loan application over the phone. After all, many financial institutions process far more complex loans over the phone. Citizens One may be one of these banks, assuming they provide mortgages. 

Furthermore, nowhere in the iPhone upgrade program 's terms and conditions states that I would have to go in to a store if denied. Had I known that, I would have probably sought to purchase my iPhone with XXXX Next program because of the local availability of a store.
Consumer complaint received 2016-10-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Dealer Services ' Loan Managers from their XXXX XXXX XXXX XXXX agreed to remove the negative information they reported about me to the XXXX major Credit Reporting Agencies-XXXX, XXXX, and XXXX. 

I have tried reasoning with them over the phone, by mail, by fax, and by disputing the negative information issue online with all three credit reporting agencies dispute resolution centers. 

I have not had any success with Wells Fargo Dealer Services keeping their end of the deal, but yet I was able to keep mine. 

The deal was, that if I was able to refinance my auto loan with them to a different lender they would remove all negative information such as late payments, and partial payments, etc. from my credit report files. 

I followed through with my part of this agreement by refinancing with XXXX XXXX XXXX XXXX, and on XXXX, 2016 my auto loan was paid in full with the lender I refinanced with. 

Therefore, I 'd like to know why Wells Fargo Dealer Services has not kept their end of the deal, and I am also going to allow them 30 days from the time they receive this complaint to remove late payments, and negative information on the auto loan account I had with them before I firmly decide to escalate this to a higher authority. 

Please note, although this agreement was made verbally over the phone with their XXXX XXXX XXXX XXXX, this was the only method of negotiation this deal since they do not allow customers at their XXXX XXXX XXXX XXXX 's, and the Wells Fargo branches do not handle the auto loan accounts that Wells Fargo Dealer Services manages, and oversees, thus the reason why it 's been difficult on reaching out to someone from their company who is able to actually take action towards my favor.
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WV)

USAA Savings Bank, without prior notice, sent a letter reducing my {$20000.00} credit card to a {$500.00} limit. My last known XXXX score was XXXX. I have a significant net worth. This action was without warning and received the day I was leaving town for an extended trip. I do not believe I ever had a {$500.00} credit card during my 42 year career as a XXXX. What does the average person do???
Consumer complaint received 2016-07-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Element Global Services (AL)

I filed for bankruptcy in XXXX of 2016 and it was discharged on XXXX XXXX, 2016. I have received several calls from a bill collector, XXXX XXXX XXXX, threatening me with legal action if I do not pay the balance on my XXXX credit card. They have threatened to garnish my wages and to send someone out to my house. The collector advised me that since he just " purchased '' the account, the bankruptcy does not apply.
Consumer complaint received 2016-05-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc. (AZ)

I received a loan from consumer portfolio services in XXXX of XXXX, in XXXX I contacted them to advise them I would be a week late on my payment. At that time I was told my car would be repoed and I could not be late. The representative told me my due date would have to change. I told them I did not want my due date change, they changed it anyway. I requested for them to change my due date back to the original date when I saw on my next statement. They told me I was not able to request another due date change. I told them I never requested the date to be changed to begin with. They were no help. Further into the loan I requested for XXXX extensions total. It would change my maturity date from XXXX of XXXX to XXXX XXXX. My maturity date now is XXXX XXXX. I asked why my maturity date was added by 9 months. The rep tried telling me that i requested XXXX due date changes as well which adds to my due date. Which is incorrected I never requested XXXX, non the less XXXX. They lady at that time told me she could change my due date back to the original date. Why did this not happen when I first asked? She would not give a valid reason.I also show in 4 years I have only paid XXXX toward a XXXX loan. I will owe thousands of dollars after my maturity date. They change my dates without request, add money to my account that is not legitamate. There is illegal handling of my account, when I ask why I still owe so much money after my loan ends they can not give me a legal valid reply. They tell me a supervisor will contact me but never does. They do n't make accurate notes on my account on what the conversation entales. They make endless excuses about my account and why I will owe so much after. They have harassed me and my family multiple times througout my loan with them.
Consumer complaint received 2016-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (SC)

we have XXXX complaints XXXX is with Caliber Home Loans they took XXXX homeowners premiums from our escrow XX/XX/XXXX and they are trying to make us repay our own money they cut a check to XXXX XXXX XX/XX/XXXX and stopped payment on this check after they over nighted a check to XXXX Then XX/XX/XXXX they went up on our payment XXXX dollars a month saying we were XXXX dollars short in our escrow we went to an Attorney and at first he said they were wrong but two weeks later he says they are right
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXXXXXX XXXX XXXXXXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

Iv recently filed a complaint against wells fargo bank about XXXX XXXX a manager. Appearently wells fsrgo is above the law and don't have to respond to complaints filed within our government. 
Wells Fargo Bank, XXXX XXXX XXXX XXXX, XXXX, FL XXXX They blatantly refuse to answer my complaints. They will not give me a proper resolution. They keep saying sorry and admitted there was problem. This bank needs to be accountable.
Consumer complaint received 2016-09-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

My husband and I had an auto loan with Toyota Financial Services since 2010. It has since been paid in full as of this year. Our credit history with them has been nothing less of perfection up until the last few months of the loan. There were several attempts on our end to make payments electronically as we had been for years. We received letters from Toyota Financial ( 3 of them ) apologizing for not being able to process our payments, even though funds were available. Due to this technical issue, our account became delinquent and recorded at 90 days late. Toyota Financial was able to remove one, but pointed us to the direction of their credit repair department ( whom you can not speak with and can only submit letters to ) Out of desperation, we wrote to them and apologized for the issue, though not being our fault at all, and requested they remove the negative information as my husband is unable to obtain a qualifying job position due to his credit report ( only negative info is from Toyota ) We have been dealing with this for over 3 months now with no resolve. Now, my family is dealing with the financial burdens of my husband being unable to secure a job due to this issue. We have a XXXX month old daughter XXXX.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (CA)

On XXXX/XXXX/16, I went to the dentist for a cleaning. It went from XXXX dollars to XXXX XXXX dollars for deep cleaning. I tried to use my care credit account and it was declined. I called Syncrony Bank c/o G.E Capital to find out why. I was transferred to bankruptcy dept. This should not be a bankruptcy account when I paid every month til paid off. From bankruptcy dept, I was transferred to collections, XXXX XXXX who has no money owing. I called again XXXX/XXXX/16 with same issue. Transfer here to there with no answers.