davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-07
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Check Security Associates, LLC (CA)

Said people were Going to come to my house because I didnt return my call, The ladies name was XXXX. I have the calls all recorded and will be contacting an attorney. I was also advised to file a complaint with this Website and with my Attorney Generals Office.
Consumer complaint received 2016-11-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK (CA)

This complaint is against gateway One Lending and Finance. I am submitting this complaint because I have been trying to work with this company for quite some time. To make matters short, they have been very troublesome to work with. 

In the end I had an agreement with an individual named XXXX XXXX who stated that if I paid off the remainder of a balance that was owed for a vehicle loan I had with them then they would report it on my credit report as paid in full and they would release the pink slip. Besides the fact that I still disagree that i owed money as I made more than 5 years worth of payments on a 5 year loan, I still paid them to get them off my back and get the pink slip. 

I check my credit report and the account is not showing up as paid. Furthermore, an individual named XXXX XXXX was treating us disrespectfully. he stated that the pink slip was never sent because they did not have my address on file. I do n't see how they didn ; t have my address since the settlement letter that was given to me had my address on it .... I will forward it to you. Then, when I presented that fact to him, he kept talking over my husband and made some pitiful excuse as to why the pink slip was n't sent and why the address was on the letter and not in their system. I feel like I was lied to in order to get me to pay them. That is coercion. Unfortunately for them I am familiar with the law. XXXX Fair Debt Collection Practices Act states that no one engaged in collection activities which includes original creditors can lie to you in order to collect a debt. If they do not deliver what was promised I will sue them. 

That was n't the end of it. He also started insulting us by stating that the account had n't been paid and that our concern seemed petty to him. it is not his place to question his companies policies. It is also not his place to try and belittle us, which he did. They should not treat customers especially ones who paid them this way. He even seemed arrogant when my husband told him he would be filing a complaint against him and said that his manager was unavailable when we asked for him. How convenient. 

Again his name is XXXX XXXX and this complaint is as much against him as it is against Gateway One Financing. Please assist me in getting them to do what was promised before I have to sue. They are now holding me hostage with the XXXX.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Per the Deed ofTrust, we reinstated our loan on XX/XX/XXXX the amt due of {$32000.00} was funded via certified ck. The XX/XX/XXXX was at a XXXX bal. On XX/XX/XXXX Bank of America served us with foreclosure notice. We went to the local branch to work it out. XXXX called BOA customer service. Their response was " we do n't retract foreclosures. You will just have to go to the hearing on XX/XX/XXXX @ XXXX. In the meantime, we made XX/XX/XXXX & XX/XX/XXXX. pymts @ {$1600.00} each. The bank recorded them as regular pymts. We tried to pay XX/XX/XXXX & the teller advised that our pymt had more than doubled. The new pymt would be {$3300.00}. XXXX tried to help again then she turned us away, stating, " if you ca n't pay {$3300.00} then you ca n't make your pymt today. We tried again in XX/XX/XXXX to pay. We were turned away, again. The XX/XX/XXXX XXXX hearing was cancelled/rescheduled. The home remained in foreclosure all of XX/XX/XXXX and in turn, we were unable to make pymts. When the foreclosure was dismissed XX/XX/XXXX we tried to do a loan modification to keep the home.No XXXX followed up w/ us. The bank would serve us w/ XXXX additional foreclosures after this. We tried XXXX more loan modifications until finally in XX/XX/XXXX the President/CEO 's office handled our loan mod. They denied the modification after promising to help us obtain a loan mod. THEN they sold our loan to XXXX XXXX days after denying our loan mod.The LAST monthly statement we received from BOA states that we owed {$84000.00} the XXXX monthly statement we received from XXXX states that we owe {$120000.00}. WITHIN XXXX DAYS our amount increased by {$37000.00}. During all XXXX loan modifications, BOA had us in foreclosure. We also tried, to no avail, XXXX loan modifications XXXX XXXX Bank XXXX We are now being kicked out of our home after the bank kept us in foreclosure and not allowing us to make pymts. PLEASE HELP US SAVE OUR HOME! We have been fighting for XXXX years to be able to make our house pymts and continue to raise our son in the only home that he has ever known. WE HAVE BEEN BULLIED IN TO FORECLOSURE and have been unsuccessful in our legal actions, thus far. I will be filing a complaint against XXXX as they bought the loan from Bank of America in XX/XX/XXXX and they have been less than forth coming with their actions as well.
Consumer complaint received 2016-11-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (MD)

XX/XX/XXXX Dovenmuehle Mortgage Inc Issues. 
I was informed XX/XX/XXXX that my mortgage servicing has been moved to the above company and started making payments to them. 
On the statement I noted that county taxes were fully paid which put our escrow into negative. I made a phone call and spoke to someone and tried to explain that the previous company was paying the county tax in 2 installments, which made sure the escrow balance does not go into negative. This person made out that they have always done it that way. 
I received an escrow account projection which showed a shortage of {$1400.00} and change. 
Escrow shortage for the year has never gone above {$200.00} since XX/XX/XXXX. 
We also go through a review of escrow yearly XX/XX/XXXX ; the payment was raised from {$1400.00} to {$1400.00}, which is a reasonable increase. All of a sudden we get an increase of {$120.00} a month. This increase is too high and I am unable to afford it as I have other financial responsibilities and obligations. 
I made a phone call to the company on XX/XX/XXXX, I was on hold for 45 minutes, this is just unacceptable, and I spoke to XXXX with ID number XXXX and XXXX with ID number XXXX. 
I made XXXX aware I can not afford my increased payment ; she asked that I fax a request to the research department. 
I am writing to let you know I can only afford up to {$1500.00} and no more. 
Based on my calculation if the insurance were to increase to {$1000.00} next year and the county tax went up to {$3200.00}, I would not have to make a payment of {$120.00} a year on top of the escrow payment of {$320.00}. This will only be an additional {$43.00}, not {$120.00}. I also suggest the county taxes be paid on a semiannual basis since the county allows that, that way the balance will not go into the negative. 
Thanks for your consideration. 
XXXX XXXX
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I accidently forgot to transfer the money I was saving for rent out of my savings and into my checking. For this I was charged an overdraft fee. Today, I see the check is bounced and the fee was refunded. However, now I have another {$35.00} for the bounced check even though the representative on the phone told me the check would by deposited again in XXXX business days at which point it will not bounce because I have made the transfer. The bank refuses to reverse the {$35.00} fee despite my financial distress because of activity on my account that occurred XXXX-months ago. I have been in financial trouble for some time and have paid plenty of fees but in this case, the fee is the only reason why my account will be over drafted {$20.00} in XXXX business days when the check is deposited again.
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

Starting about three years ago my wife and I suffered several financial issues all at once which caused us to need a home modification. We had a XXXX which failed and lowered our total income. We got help from " XXXX '' who convinced Wells Fargo to lower the interest rate to make our mortgage affordable at that time, however Wells Fargo also added $ XXXX back into the principle which eventually caught up with us. We then suffered internal damage to our home due to storm winds and internal flooding. We are currently faced with pre-existing XXXX damage ( XXXX to repair ), septic tank failure ( XXXX ), market values dropped from $ XXXX to $ XXXX and my wife diagnosed two years ago with XXXX which has forced her into XXXX retirement. We filed bankruptcy three years ago and Wells Fargo was excused from the bankruptcy in XXXX 2016 after which they notified us of pending foreclosure. 
We requested a modified mortgage with Wells Fargo and after allowing us a three month trial adjustment period they offered us a new loan with an increased principle ( $ XXXX ), an increased interest rate ( from 3 % to 3.2 % ) and a 40 year fixed loan. Upon review of our appeal Wells Fargo recently informed us that we could afford to pay over {$1800.00}. per month although my wife now requires monthly treatments, her income is half what it used to be and we have $ XXXX in home repairs which must be repaired ( basement XXXX XXXX and septic tank ). It seems that each time that we make a new request to Wells Fargo we are told that we can afford to pay more. It seems that they never actually consider our finances and/or our situation. Are there any laws which protect us from this sort of treatment from these large banks. Did n't they get a " bail out '' from financial problems just a few years ago? 
Please help if you can. Advise us if you can not intercede on our behalf. 
XXXX XXXX XXXX XXXX Wells Fargo loan # XXXX
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

MY MORTGAGE WAS ARBITRARILY MODIFIED OR CHANGED FROM A 30 YR TO A 40 YR MORTGAGE. I NEVER AUTHORIZED NOR CONSENTED TO THE MODIFICATION. IN ADDITION, I WAS NEVER LATE IN MY PAYMENT, BUT THE MORTGAGE COMPANY REPORTED ME LATE ON ONE PAYMENT WHICH ADVERSELY AFFECTED CREDIT. I BECAME AWARE OF THE MODIFICATION IN XXXX 2016 WHEN I WAS ATTEMPTING TO REFINANCE THE MORTGAGE. ALL EFFORTS TO HAVE THE MORTGAGE ADDRESS BOTH THE UNAUTHORIZED MODIFICATION AND DEROGATORY CREDIT REPORT HAVE FALLEN ON DEAF EARS. NOTE THAT I DID NOT ATTACHED THE FULL MORTGAGE NOTE BECAUSE IT WAS TOO LARGE. I WILL BE GLAD TO OVERNIGHT IT.
Consumer complaint received 2017-01-24
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo Financial National Bank owes me a refund for overpayment on a pay-off for a XXXX XXXX XXXX Account they serviced. The payment was made by a XXXX check and I was told the refund could be sent to my XXXX account. Payment was sent on XXXX XXXX, 2016 ; I called Wells on XXXX XXXX and I was told my a customer service representative that I have to wait until the check clears ( I saw in the online system that my balance was XXXX and the amount of the refund due. I called again on XXXX XXXX, and I was told that I had to wait 15 days for the check to fully clear and a refund would be issued by check. Since I did not receive the refund, I call Wells this morning concerning the status and was told by Customer Service Representative XXXX ( I am not sure if I am spelling the name correctly ) that he would put in a follow-up notice. I told him I wanted to know the status after waiting almost a whole month, and would like to speak with a manager. I was connected to XXXX and I re-told my story. She said that the check would be mailed out today, and I asked if it could be expedited, and she said she could not do that, but suggested that it could be deposited in one or two days to an account where the check came from that I must verify. I proceeded to give here the routing and account number for XXXX, and that she said was not what she had. I then gave her my XXXX routing and account numbers, that too did not match. I told her I was unsure what she was looking for since my payments were made by EFT from my XXXX account, and some from my XXXX account. I never sent a physical check. At this point she told me a check would be sent in 7-10 days, and the conversation was discontinued. Why could they not credit the refund to the account they received my payments from every month which would get to me quicker than regular mail?
Consumer complaint received 2016-12-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

I started to receive a lot of fees and charges that did not belong to me and when I called to complain I was told it was simply the policy and that there was nothing I could do about it. So now my account is extremely overdrawn due to fees and automatic payments that were unable to be paused or paid from the account.
Consumer complaint received 2016-07-04
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (WA)

when XXXX took over my loan with chase, they charged me for taking over the loan, they have said they didnt, but here is the papers they sent me showing they had. i would attatch documentation showing such if website gave me the ability to do so
Consumer complaint received 2017-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (GA)

I have been contacted regarding an account for a debt that is not mine by Convergent Outsourcing, representing XXXX XXXX for an account associated with XXXX. This account is not mine. When I informed the representatives that the debt was not valid and in the process of repeated attempts to get verification of the debt, Convergence Outsourcing/ XXXX XXXX XXXX the following violations of fair debt collection practices : 1. Representatives from XXXX XXXX, XXXX, or Convergent Outsourcing contacting my family members ( I am assuming you got this information from social media ) attempting to reach " XXXX regarding a business matter '' for a debt that is over 8 years old. - When I returned their call with my daughter, a lawyer, on line and she requested verification of the debt and an end to the calls, we were given a fake name for the person they were looking for regarding this account ( XXXX XXXX ). 

2. Calls to my cell phone regarding this account where, after I denied the account was valid, I was told that they would serve me papers at work, at home, " or wherever '' by the district court which was an implicit threat to sue me on a debt that is not only not mine, but well past the statute of limitations for debt collection lawsuits. 

3. Representatives from Convergent Outsourcing repeatedly refusing to provide account information to my authorized legal representative despite my giving verbal authorization for such communication and be being on the phone line during the conversation. - Convergent Outsourcing also repeatedly denied being in possession of the account to my authorized legal representative despite sending me requests for payments. - Requests for verification of this debt were repeatedly denied to my authorized legal representative with Convergent Outsourcing insisting they did not have the account despite having sent me a bill and attempting to call me regarding this account that same day! 

4. Reporting of a debt that is over 7 years old to the credit bureaus. - This needs to be removed immediately as this is not a valid debt. - This needs to be removed immediately as this debt is over 7 years old. 
These issues will be reported to the consumer finance protection bureau. Any further
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

Citi stopped sending statements in XXXX 2016. The representative told me they were trying to fix an issue where some people were getting duplicate emails but they accidentally shut off all email statement notifications. I received neither paper nor email statements from XXXX 2016 until I realized now that I have been accumulating late fees and interest. They are refusing to waive the late fees and interest ( have made two attempts so far ), despite admitting it was their mistake. 9 year customer/ never missed a payment or carried balance before this.
Consumer complaint received 2016-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Convergent Resources, Inc. (CA)

This is a Fraudulent Debt Account, XXXX Account # XXXX, with XXXX Phone Numbers on XXXX Phone. This Fraudulent Debt Account, XXXX Account # XXXX, Is Eight Years Old. First Delinquent Date Is XXXX XXXX, XXXX Fraudulent Debt Account XXXX Account # XXXX, Has Been Deleted From XXXX, XXXX, XXXX, As Fraudulent.
Consumer complaint received 2024-08-29
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number XXXX Account Name : XXXXXXXX XXXX Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"