davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC. (CA)

We were in process of getting our Mortgage refinanced with Guarantee Rate, XXXX XXXX Everything looked good, our XXXX was good our credit scores are average of XXXX. We had a BK in XX/XX/XXXX where a XXXX Mortgage debt was charged off in XXXX. We settles with XXXX for {$20000.00} for them to remove the lien, however debt was at {$0.00}. XXXX just had the lien on but we did n't owe anything as the debt was already charged off. Guarantee Rate declined our loan stating that we short sold the property in XX/XX/XXXX. We did not short sale the property. We gave them {$20000.00} to remove the lien, but the debt was already charged off in XX/XX/XXXX. We got them a letter from XXXX stating this and they still declined us calling it a short sale. When we sold the house in XX/XX/XXXX, our XXXX was paid in full and since we settled with XXXX for them to remove the lien that was in XXXX position, at the time of the sale we did not have a XXXX mortgage. I am not sure how they are viewing this as a SHORT SALE. We argued our point, yet they still denied that. We are still being punished for a BK that happened in XX/XX/XXXX.
Consumer complaint received 2016-11-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Dear XXXX ; On XXXX XXXX XXXX I filed out an application for auto financing with Capitol One via XXXX of their numerous pre-approved offers they have been sending me for the past year after finding a car that I wanted from XXXX in XXXX XXXX. I filled out the application and combined my current income ( half from an employer, and half from workers compensation ( since XXXX XXXX ) and submitted the required proofs of income, included last years tax return summery, to them through XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ). On XXXX XXXX I signed financing papers through the dealership and took the car home. 
A full two weeks later, I get a call from the dealer saying Capitol One was now backing out of financing the vehicle, stating that they would not consider my workers compensation as income unless I had been receiving it for more than two years. The dealer stated that I would have to come in and they would have to " re-write '' the contract. I retained a lawyer after that. 
In the mean time, I searched for alternative financing and found it with XXXX XXXX XXXX who had no issues what-so-ever with my sources of income. However, they were not able to issue a check to the dealer until the lien Capitol One had placed on the car and been removed. It took over a month to get the financing for my car settled and I think both the dealer and capitol one are in the wrong. Capitol One swore MULTIPLE times to me, my Attorney and to the dealer, that they did not have a lien placed on the vehicle since they had not approved the financing ... .two weeks after I signed the papers. In the end they said it " fell through the cracks '' which I find preposterous. 
XXXX financing manger basically told my Attorney " drop off a check and we 'll release the lien '' ( copies available if needed ) in so many words. That then implied that THEY had the lien so the Attorney then focused on them. Then XXXX parties attempted to turn around and blame this whole debacle on me, the customer, ranging from I falsified my income to the undisclosed " we do n't take XXXX payments ''. This is my first car purchase and it has been a complete nightmare and still weighs on me. Something is not right here, and I intent to follow through to the full extent of the law. Neither party has apologized or even attempted to compensate for the absolute HASSLE this has been. I have yet, as of XXXX XXXX XXXX, to receive a denial of credit from Capitol One. Both Capitol One and XXXX have lost a costumer and gained a mighty negative story that I will tell to everyone I know, including the local news medias.
Consumer complaint received 2016-12-28
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

TransUnion has refused to stop allowing an collection agency to report incorrect information on my credit report. XXXX receivedan email from the reporting student loan company that they had the wrong person. TransUnion was made aware of the email and the fact that the student loan told XXXX that they had the wrong person in writing. TransUnion has denied me the right to good credit with this incorrect information. This is affecting my life and my kids life. I 'm a homeless mother trying to buy a house. I ca n't with the fact that TransUnion is ruining my life and any chance of financial help due to misleading information that is placed on my credit report. I 've filed a lawsuit against TransUnion because of how I was treated by them and the lack of concern that was givven to my identity theft case and proof that the company admitted that they had the wrong person. They said they did n't care do what I had to do so that 's exactly what I did.
Consumer complaint received 2016-07-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo had my Deid in Lueu approved in XXXX XXXX for my house at XXXX, VA XXXX. I sent them all paperwork including my agreement to vacate the property. The second mortgage also had approved. They kept dragging things out saying there 's an issue with the title. All of a sudden, they call me in XXXX and tell me that they need to send me the final paperwork and I need to sign and return immediately. 
I told them, " great, send it to me in XXXX XXXX because I 'm here XXXX ''. She said she was n't sure she could do that and she would call me back when she got an answer. 
The next time they contacted me was to tell me I need to start over and that I ha a new contact. That guy was worthless. I had the second mortgage ( also Wells Fargo ) sending messages to him and his manager. 
Long story short, I 've tried to do a short sale from XXXX XXXX before stopping payments due to XXXX and no renter in the house. WF home preservation has the keys to the house since XXXX XXXX and did n't fix the fence that fell down in a storm in XXXX. I now have at least XXXX court judgments against me due to this. 
The inspectors wo n't go to look over the house since I 'm not there to let them in and do n't even have the key. Thus, I have '' failed to complete the Deid in Lueu process ''. I have complained to the Office of the President and their records only show I have n't done what I need to do. I have asked for the recordings to prove what I 've said is true and they said I need a subpoena since they are their property. 
I contacted XXXX XXXX 2 times and talked to different guys, but they said that is outside their scope and referred me to HUD. They ca n't help and said I need to file a complaint with you and find an attorney. 
The best part, on XXXX ( 90 days after retirement exactly ) they send me a letter stating they are going to start foreclosure if I do n't pay my delinquency. 
I do n't know what they gained from this other than the house appreciating, but they have intentionally been dragging me and my family through this nightmare for years to avoid SCRA rules. 
I need help and need it by XXXX XXXX, XXXX please.
Consumer complaint received 2016-11-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

XXXX XXXX submitted dispute charges on his Debt card with USAA and USAA issued credit for those disputed charges. Then over 70 days later took the money back out of our account without no warning and no advanced warning. Called and Called trying to rectify the situation and to no avail even the XXXX office and not XXXX party would help or explain how they could violate their own agreement with XXXX that they have 60 days to reverse charges and/or mediate the dispute as well. Those charges hurt our family in major ways we were staying in a hotel room paying day by day and living day by day and trying to get a new permanent home as well. Which our check bounced for deposit our insurance payment bounced and stressed out for no valid reason per ethics or contract law. We even asked for help from their donation department to help and they could not help us out with a deposit for our new permanent home. Our account become overdrafted and we moved our direct deposits to another bank, Once over drafted and we owed them money for the past money we are locked out of our other accounts other than paying the bills on our mobile device we can not pull old statements from our bank accounts, add a car online to our insurance or pull old statements on our credit card or market account. Documented on Facebook as well as other notes and a printout showing how we our locked out of our account. XXXX XXXX was punished just the past 60 days for this behavior. When we call to get resolution we are on eternal hold for over XXXX30 minutes several times. USAA violated the trust given to them by many and business ethics.
Consumer complaint received 2016-11-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I filed for fraudulent activity on my account ending in XXXX for XXXX. Bank of america only submitted one as fraudulent then went on to reverse the transaction without any explanation or followup. They credited me XXXX - i didnt file a claim for XXXX. I filed a claim for XXXX individual withdrawals for XXXX each. My claim on account was reversed and now is overdrawn by almost XXXX dollars and being charged fees everyday. Not one person has reached out to me and when I tried to contact XXXX XXXX again, left multiple voicemails without a single call back
Consumer complaint received 2016-11-17
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Dominion Law Associates, P.L.L.C. (VA)

I never received the notice of right to dispute, instead I received a letter with a court date attached. I called once I received the information regarding my court date in order to settle the debt. When I called, I was greeted by a rude individual by the name XXXX ( XXXX ), she refused to let me ask my questions, told me she was n't going back and forth then hung up on me. I called back and received the same treatment from her. I asked to speak to her supervisor and was told she was one and that there was no one above her. I again tried to get information regarding my debt from her however it turned rude again and she again would not allow me to ask my questions. I admit at this time I had enough of her attitude and did start to get snippy however I just wanted to know how to get backup regarding the debt owed so I could pay the bill. She again hung up. I called back a third time, she answered, heard my voice and hung up. I called back a 4th time, each time hoping I would get someone else, and this time she picked up the phone and hung up immediately. I called back a 5th time, yes a 5th time, and this time spent 53 minutes in a continuous loop before the evening message finally took over. 

I called back the following day and spoke to XXXX, who promptly told me that my medical records are there and I would receive a copy. That would be a HIPAA violation which I will file a complaint on next. She too said she does not have a supervisor however I finally got the name XXXX out of her. I have not pursued this person yet. I have since spoken to the original creditor who was helped me on this matter and the debt will be paid though them. I do plan on following up at the court date as I do n't trust this collection company at all. I wanted to validate the debt and could n't even get a voice in to do so.
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (DC)

I have disputed twice with Equifax the status of a tax lien that was placed on my credit report. The tax lien was vacated and withdrawn, and removed from my XXXX report. I am requesting that they do the same. I faxed over documentation from the courthouse. When calling the about the dispute, the last XXXX representatives stated they did n't know what I was talking about and that the item had been removed. Then they further proceed to try to get me to upgrade my monitoring service. I explained to them that I do not pay {$16.00} for my services, I pay a more reduced rate. They insist that Im being charged more and proceed to transfer me to another department where they see my account is exactly as I stated with the reduced fee. I have been going back and forth with this company for the last week or so with no results and the same answer " i do not know what you are talking about ma'am '' Frustration has truly set in, all I want is for the lien to be removed from my report because its reported inaccurately and has been vacated by the court.
Consumer complaint received 2016-11-02
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (MN)

Hi, My son got a credit card from Wells Fargo and he was not XXXX and per the law does n't he need a parent to co sign of the credit card? He was issued a card at XXXX and did not have a parent co sign on the card. He is in debt {$1700.00}. A law was passed in 2009 aiming to protect consumers from mistreatment by credit card companies. The law included the following provisions : 1 ) card companies may not change interest rates unless a payment is late or the card has a variable rate, 2 ) credit card bills must be delivered at least 21 days before their due dates, 3 ) adults must co-sign on accounts for someone under XXXX XXXX XXXX, and 4 ) credit card contracts must be posted on-line. 
See # XXXX I am outraged with Wells Fargo preying on children that are not XXXX giving them a credit card!!!!!! 
Sincerely XXXX XXXX
Consumer complaint received 2016-11-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I have XXXX separate student loans, XXXX federal and XXXX private. I 'm have paid & gt ; {$500.00} a month for 10 years and still have $ XXXX. I have had financial difficulties at the moment and was making partial payments. I have been getting calls every hour everyday from Navient. I have asked many times for a payment reduction but they will not work with me. It 's very hard to be a single female trying to work, pay rent and all other bills and have no help from XXXX Loans. I have already paid the loan amount and more but they wo n't work with me and are now harassing me all day.
Consumer complaint received 2016-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ECMC GROUP, INC. (IN)

a collection agency named premiere credit tapped in freeze my bank account they never send me any letters in mail they were sneaky freeze my bank account until they are paid i try talk to those idiots and collection agency they are very rude they caused me emotional stress
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MI)

I filed bankruptcy in XXXX and it was discharged in XXXX XXXX, My home is Charged Off in XXXX. First XXXX XXXX stated I did a short sell of my house but I am still living in it. Now XXXX XXXX is claiming that my house was charged off in XX/XX/XXXX, which is causing me problems opening up a business account and/or getting a mortgage. I have sent all XXXX credit bureau proof that XXXX XXXX was sued for lieing and filing false statements on people credit reports. Experian sent my a letter stating that they will do their own investagation, but it is still on my credit report
Consumer complaint received 2016-09-09
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I was recently contacted by CitizensOne Student Loans, which is a division of Citizens Bank about refinancing my student loans. I was approved for the refinancing but the interest rate that I was given is rather high, and is higher than what I 'm currently paying PLUS my XXXX score is higher. I called to speak with someone so that I could be explained why I was offered such a high rate. The customer service rep could not explain it, said that its just computer generated, and the underwriting team does not talk to customers. I asked if I could be provided an explanation in writing, or even what credit score was used to offer the rate and he would not tell me. This seems quite unfair and now I have a hit on my credit, and I feel as though I have been subject to a bait and switch.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I am writing to formally dispute the accuracy and completeness of the balance associated with the account : XXXX XXXX XXXX. Open Date : XX/XX/year> I believe the reported balance is incorrect, and this discrepancy needs to be addressed immediately. Under 15 U.S.C. 1681s-2 ( b ) ( E ), furnishers of information are required to conduct a reasonable investigation when a dispute is made regarding the accuracy of information on a consumer report. In the case of XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX. XXXX, it was emphasized that verification of disputed information must be supported by comprehensive and accurate account-level documentation. Furthermor

e, 12 C.F.R. 226.25 ( a ) stipulates that such documentation should detail all transactions related to the account in question. Given these legal responsibilities, I request the following : 1. A thorough investigation regarding the accuracy of the reported balance associated with my account.

2. The provision of complete account-level documentation that verifies the accurate balance in accordance with the XXXX case and applicable regulations. 

If your agency can not verify the accuracy of the information with appropriate proof of verification, I expect that the account will be deleted from my credit report immediately, in compliance with the FCRA. 

Please send me written confirmation of your findings and any corrections made within the required timeframe. 

Thank you for your prompt attention to this matter. I look forward to your swift response.
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (PA)

I have been having issues with our mortgage company over the past two years. This started out with our home not being assessed properly, thus raising my monthly mortgage bill about {$700.00} dollars. This was obviously not their fault because of how my house was valued. So, they allowed me to spread my payments out over 5 years, which was a good thing. So, my mortgage went from {$3300.00} to XXXX, to XXXX. I then asked the locality in our area to re-assess our home so that we could lower our mortgage payments. Once that was done, I received a refund for our school , county, and township taxes. I then asked our mortgage company if we sent them a check to go directly to our esscro for our taxes, would they be able to reduce our monthly mortgage payment. The response was that it would go down to around XXXX a month, which i was pleased with. That payment happened in XX/XX/XXXX. When I received my bill for XX/XX/XXXX, it was over XXXX! I called to ask why this was the case, and the response was that they use a formula that specifies what the monthly payment would be based on how much is owed vs. extending the payments, which did n't make sense to me. If someone would have told me that the XXXX payment for our mortgage would have raised my monthly bill, then I would have never made that payment, and I would have been happy to just deal with the XXXX a month payment! And to add insult to injury, I lost my job XX/XX/XXXX. So, I still owe a XX/XX/XXXX and XX/XX/XXXX payment. I 've applied for borrowers assistance from the mortgage company, but I am not confident that they will give me the assistance that I require to get my life for me and my family back on track. I am obviously frantically looking for a job so I can get back to supporting my wife and XXXX kids. Anything that you can do to assist is greatly appreciated!
Consumer complaint received 2017-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I disputed a charge wit h TD Bank they  still have not reversed it so that the account is overdrawn constantly. They also debit the withdrawals before they deposit the credits to cause the account to be overdrawn. I had deposits totaling over  XXXX  and withdrawals that totaled around   XXXX   yet they still overdrew my account to charge me fees. The deposit was n ot one  that was put on hold it was an immediate credit.   They do this just to increase their charges. They have charged me close to {$5000.00} in fees year to date.   THEY ALSO DEBIT MY ACCOUNT FOR A CHECK IF THERE IS NOT ENOUGH FUNDS. EXAMPLE I HAVE {$100.00} IN THE BANK THEY ARE PRESENTED WITH A CHECK FOR {$1000.00} THEY DEDUCT THE {$1000.00} FROM MY ACCOUNT CAUSING IT TO BE OVERDRAWN $  XXXX  CHECK IS PRESENTED FOR {$45.00} THEY RETURN IT BECAUSE THEY HAVE MY ACCOUNT OVERDRAWN WHEN THEY ARE NOT PAYING THE {$1000.00} DEBIT
Consumer complaint received 2016-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

While monitoring my account of XXXX XXXX, I witnessed TransUnion Reinserted previously deleted information to my TransUnion report less that two weeks after receiving it. TransUnion deleted Hard Credit Inquiries on XXXX XXXX from my Credit, then for no apparant reason added them back to my credit report two weeks later. My husband had the same problem happen to him. This has caused a serious amount of stress to my husband and I who have been desperately trying to buy a house for the past 6 months. If it is true that the Credit Reporting agencies can not remove Credit Inquiries from your Credit Report within recieving notification from a creditor, I would like to know understand the likelihood of all XXXX creditors deleted the inquiries on the same day, then all XXXX creditors re-added the inquiry on the same day. My husband works in XXXX. We have the screenshots to prove it, the proof is also on our credit reports. This is not fair. They are messing with peoples lives because most people are not as observant. If it was n't bad enough that we had to fix a combined XXXX errors on our credit reports, this setback is heartbreaking.