davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: TRANSWORLD SYSTEMS INC (ME)

I lost my job as a XXXX at local XXXX because this creditor kept calling and calling. Left voicemails for me on a public non secure line with SENSITIVE information, was ultimately fired bc they did n't stop calling despite my request. 
New employment, they just found me again and contacted me three times this week at this office. I am in jeopardy again of the same situation.
Consumer complaint received 2017-03-14
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Comerica (MI)

Comeric bank gave my father XXXX a hom equity loan against my house that i own with my husband. they admitted in court tht they did not look into the title which has been in our names since XX/XX/XXXX and in XX/XX/XXXX they gave my father a loan and since he has passed away they have this lein on my hoouse and have been threating my family to foreclose i do not find this fair i need help please they already tols my then XXXX year old daughter we are going to be on the streets because he low life parents dont pay the bills. this is wrong to make her worry. it is not her bussiness .please help me
Consumer complaint received 2017-03-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I 've been XXXX since XXXX with private XXXX as my only income until XXXX. In XXXX, my private XXXX company began to withhold my monthly benefit from me reducing my income by more than 50 %. This is non-cancellable policy insured to age XXXX. I purchase my home in XXXX XXXX with a loan from XXXX XXXX, who sold it to XXXX. I notified XXXX of the hardship. They informed me I had to apply for Hardest Hit funds first before I could get a loan modification. I did and Hardest Hit funds were applied to bring my loan current. Then I asked XXXX for a loan modification. XXXX turned me down because my loan was current via Hardest Hit. once the Hardest Hit funds were exhausted, I I applied for a modification. Through XXXX 's delays and putting me off- by the time they finally began talking to me about loan modification, they said I was too far behind to qualify for many programs. Many of the HARP programs I did n't qualify for because I purchased my home in XXXX. However, I was forced to purchase this home due to being displaced from my home purchased in XXXX XXXX as a result of an unexpected divorce. A home that I owned with my husband, but I was not on the loan with. I was the person who serviced the loan, but the lender would n't transfer the loan into my name because the house would n't appraise for the amount owed. 
In XXXX XXXX finally agreed to let me make trial payments which I did. After the 4th or 5th payment, they sold my loan to PennyMAC. They did n't like my signature the first time, then they did n't like the military format I used for the date the second time. Then there was some vague language about a {$60000.00} balloon at the end of the loan I did n't understand. As I communicated with PennyMAC, I was told my loan was in review as late as XXXX XXXX. The loan docs were expired, and they could n't send new ones but said I could apply for new ones. XXXX XXXX I received foreclosure notice and date to sell my home of XXXX XXXX. We submitted new documents immediately, but they only confirmed the docs on XXXX XXXX. They said it would take 30-45 days for an answer. 18 days later they rendered a denial saying they had exhausted all options and that my income was too low and what I was behind with penalty and fees was too much. As soon as I hung up with XXXX XXXX, I went to XXXX for an eligibility questionnaire and I qualified to apply. I received a confirmation number and will receive logon credentials for an application within 24 hours. l have a debilitating condition and I care for XXXX XXXX children who need the stability of our home which we 've enjoyed since XXXX. We 're the very example of why these programs are created, but the process is too complex to make them accessible.
Consumer complaint received 2016-09-26
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AR)

My dad lives in XXXX and I live in XXXX. A few weeks ago he sent money from Walmart through Money Gram, but before I could pick it up the next day he was hospitalized. I was told by the cashier at my local Walmart that I would not be able to pick up my money because the message she got on the system said that " the money must be picked up in the state designated by the sender. '' I said what do you mean? She said well there is no state listed here. So I called the Walmart where my dad sent it from and they informed me they could n't help me either, and they gave me the number to money gram. I have called money gram and they said '' It does have a state specified it is listed as XXXX. '' But it 's our policy that we do n't allow one to receive money in the same state that is sent from. '' OK so that should be a no-brainer right? It was obviously a mistake on the cashiers part -- no luck. They say my dad has to personally go back to the Walmart where he sent it and fix it. HE IS IN THE HOSPITAL AND CAN NOT BREATHE on his own, so that is not possible!! I emailed a complaint to MoneyGram and in their reply they tell me that HE must CALL an XXXX number they provided on the email. What?? I could have ANY MALE caller to do so if that is so true. Sounds to me like this is their way to make money. Wow.
Consumer complaint received 2017-03-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CO)

Navient agreed to enroll me in their rate reduction plan for one year so I could afford to start paying these loans back after I got out of bankruptcy. After the year was up they denied me to be able to re-enroll because they said I had taken out new credit. I had to buy a new car to get to work and refinanced my house and the motorcycle my husband uses to get to work to lower those payments in order to compensate for the new debt. We have to have reliable transportation in order to work. When I was first enrolled in the program they did not tell me that obtaining any new credit would disqualify me from re-enrolling in the program. I also was not told that {$29000.00} in interest would be added to my account in exchange for being enrolled in the rate reduction plan. My payments were {$910.00} per month. So in XXXX payments totaled {$10000.00} but {$29000.00} was added just so I could participate. That does n't make any sense. I certainly did n't save anything with this plan like they said I would. It would have taken me almost three years of making those payments just to make up the amount they added for me to participate. This was not told to me at the time I enrolled in the program. They also will not stop automatically taking the payment out of my bank account even though they denied me to re-enroll in the program.
Consumer complaint received 2016-05-09
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (TX)

Exxon/Mobil Consumer Credit Card ( Citibank ) provided electronic billing services to us reliably for an extended period of time as I have been a card holder since 1998 for over 18 years. At some point they decided to stop ebills and began sending emails. These emails were going into our junk mail box and when unseen by us for payment. Our balance was very small. For 90 days there was no calls or letters to notify us of the late payments until we received a XXXX package. In shock we immediately paid the full balance and called customer service to apoligize and learned that my credit was impacted with a severe 90 day late pay. We appealed with no results and my credit is now devastated through no fault of my own. I could accept a 30 day late but can not accept this outcome.
Consumer complaint received 2016-08-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (FL)

We were late with out payment and arranged a payoff with them due XX/XX/XXXX. They instead sent a repossession team to our house and hollered at the top of their lungs to pay my debt and called me a " XXXX ''. One of the guys had his hands in a fist and was threatening to XXXX me. I recorded this on our home security system with the originals at XXXX
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc. (NJ)

XXXX Comenity Bank XXXX XXXX Ohio, XXXX I have been a XXXX holder for over ten years and have never had a billing dispute or late payment. I am extremely upset by a recent interest charge on my bill and I have spoken with your Customer Service Representative XXXX in the XXXX Call Center office who suggested that I contact you via fax. 

On XX/XX/XXXX I purchased a sofa from XXXX for XXXX on a XXXX payment plan. The purchase of the couch and the incentive plan was encouraged by a XXXX design consultant. I have continued to pay all my bills timely throughout the course of this payment plan. 

This same couch that arrived in XX/XX/XXXX was substandard in quality and the fabric was in such shabby condition that by XX/XX/XXXX, XXXX agreed to pick up the couch and replace the couch with the same couch but with a different fabric. The new couch was delivered in XX/XX/XXXX and it was delivered in a defective condition. I have been emailing and speaking with the customer service department for over 2 months at this point and have sent photos indicating the deficiencies. The couch was sent missing a leg and wound up damaging our wood floors as well as hardware underneath the couch to keep the four individual pieces together. To this date, I have not been able to get XXXX to send the appropriate hardware or send someone to fix the imperfections. I have included the emails and photographs for your review In XX/XX/XXXX, we were away and missed the mail and missed one bill payment to the credit card company. As a result from one missed payment, over {$2500.00} in interest fees have resulted for this same defective couch. We are now supposed to pay over XXXX for a couch that has been delivered completely defective twice. 

I apologize for the one missed payment and did agree that you have financial terms to your agreement, however, your company is also supposed to deliver quality items that are worthy of the cost. In this case, we have received substandard quality and I have wasted an exorbitant amount of time and money trying to remedy this situation. The finance charge of {$2500.00} on one missed payment is exorbitant and unfair and seems to take full advantage of the consumer. 

I have asked for the removal of the interest charges based upon our account history, longevity and the defective product At this point, we have asked XXXX to simply pick up the couch and refund our money and start over. We have had no response to this request. 

We are at the point where we are ready to simply cancel the card and never work with XXXX again based upon this one incident. We have asked that the credit card company reimburse the account for the interest charge billed.
Consumer complaint received 2016-09-25
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (NH)

GM Financial 's invoice contains misleading and untrue information regarding 24/7 access to their online services. The statement reads : " Managing your GM Financial lease account just got easier ] You now have 24/7 account and payment access. Visit GMFINANCIAL.com and register for myaccount.com ''. 
Upon trying to login on a Friday night I was redirected to a site that showed the " hours '' for their online service and when it was available. This is NOT 24/7 access as claimed.
Consumer complaint received 2016-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

My mortgage is " underwater ''. 
I do not have an FHA mortgage and my mortgage is not backed by either XXXX XXXX or XXXX. 
I have searched for an FHA Short Refinance but am not able to even apply as NO MORTGAGE LENDERS PARTICIPATE in this government advertised program. 
Why advertise a program that does not exist?
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TX)

equifax is reporting name change and I contacted company and they say contact my creditor to see who issued name change. I did talk with my XXXX creditors and they know nothing of name change. 
Then I communicated with equifax again and their response : " Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. 
If this issue is not resolved to your satisfaction, you may reopen it within the next 7 days by simply replying to this email. 
Thank you for allowing us to be of service to you? 
Subject Name Change??? 
Discussion Thread Response Via Email ( Equifax Customer Care ) XXXX/XXXX/2016 XXXX Dear XXXX XXXX, We appreciate the opportunity to resolve this matter on your behalf. 
I sincerely apologize for any inconvenience you have experienced. 
For more information on this name change, we recommend that you contact each of your creditors and confirm that your name is correct in their records. Updating your personal information with your creditors will help to make sure that information reported to Equifax by your creditor is correct. This would also make sure that this information was not changed fraudulently. 
You may also contact our Consumer Services Department at : XXXX. They correct and update any incorrect or fraudulent information on your Equifax Credit Report. You will be able to speak with one of our representatives Monday through Friday from XXXX to XXXX in your time zone. 
If you have any additional questions or concerns, you may contact our Customer Care Department at the telephone number listed below. 
Thank you for contacting Equifax , Equifax Personal Solutions - XXXX Equifax Personal Information Solutions Equifax Complete Premier Plan XXXX ( XXXX ) 24 Hours a Day, 7 Days a week Answers to your financial questions. All in one place. Check it out today. 
Equifax Personal Finance Blog : www.equifax.com/blog [ XXXX ] " Equifax refuses to disclose who submitted a name change.
Consumer complaint received 2016-06-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

Credit Collection Services has attempted to collect a debt from me for XXXX and I never established a contract with this company, in addition this company has defamed my name and character and reported false information to both my XXXX and XXXX credit report.
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

I have Wells Fargo as the mortgage company, they sold my home and did n't give me a fair review. I had tried working with them and nothing happened. I opened a complaint with Wells Fargo and XXXX XXXX was helpful but the proof that was provided from their end shows the part of the mistakes they did. I always provided them a full packet and all the documents necessary for them to review my loan. I am attaching that information with my complaint. They said they did nothing wrong but several times I got denied for not having enough income and in a letter that Wells Fargo provided as proof it clearly said that they verified my income to be {$0.00}, how could this be? when they had my taxes and my paystubs. They did this to me several times, and that I had a {$300.00} surplus. Of course I wont get qualified for anything if they verify my income to be {$0.00}. This is very upsetting and they took my home. I submitted a response to plaintiffs motion to confirm sale and I will provide all this proof, I need them to be investigated I had also filed bankruptcy before the sale date time, and I received a call from a Wells Fargo representative asking about the bankruptcy. The man informed me that I didnt have to file bankruptcy that Wells Fargo would assist me. After that call Wells Fargo informed me that there was no stay and that my home had sold, but with the court house I had confirmed that there was a stay, they informed me that the automatic stay takes effect once the documents are through and they give me a sheet with the case number and the time I need to go back for the meeting with the creditors. I need help there are many homeowners going through the same situation as I am. 

Thank you
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: FACTUAL DATA CORP. (GA)

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
Consumer complaint received 2024-08-07
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. (CA)

Please delete the following inquiries this not mine. I send dispute for several times since last month here 's the list 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 XXXXXX/XX/XXXX
Consumer complaint received 2016-09-26
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Riverwalk Financial Corporation (TN)

Debt collector called XXXX XXXX XXXX, XXXX Phone : XXXX XXXX XXXX XXXX , XXXX , TX XXXX Saying i owe {$8000.00} for an auto loan. They can not provide the company or account no from the original loan. I do not have anything on my credit report regarding this loan nor have they been able to give any specific information about what type of car or anything. If they can provide me with further specific information then i could verify if i owe or not. They said the company that had the loan was bought by another company. I dont want to pay something if its not mine. Please help! I did try to use the little info they gave me to see if i could find out anything but to no avail.
Consumer complaint received 2017-03-15
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

XXXX has 2 company 's attempting to collect a debt and both are only sending itemized charges and ALL OF PRIVATE INFORMATION THAT WAS COMPLETED ON THE ALLEGED VISIT AND BOTH ARE REPORTING ON MY CREDIT AND ATTEMPTING TO COLLECT THE DEBT
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Our home loan was originated with Wells Fargo on XX/XX/XXXX with PMI. In XX/XX/XXXX, we submitted a request for PMI removal and received a letter instructing us of the various options. We decided to complete an appraisal and paid the fee out of pocket, but the value came in low. We filed an appraisal dispute and our claim was not approved. Recently, we inquired in XX/XX/XXXX to remove the PMI given our home has appreciated. We were sent a letter with the same options. We decided once again to pay for the appraisal. The reported value showed we are now under the 80 % loan to value and can remove the PMI. Two weeks later, we received a letter stating we can not remove the PMI since the LTV must be 75 % or lower. This requirement was never disclosed in writing nor communicated to us during the process. Furthermore, had this been disclosed, we would not have proceeded with the 2nd appraisal. We are very frustrated with WF and feel utterly helpless. We believe they are dishonest, breach of contract, failure to disclose, and poor customer service.
Consumer complaint received 2024-10-05
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. (CA)

This company has violated my rights based on the FCRA laws. The congressional findings of the fair credit reporting act states that the consumer, me in this situation, has a right to privacy. My privacy has been eroded and severe burden has been placed on me and my family. I believe this to be willful noncompliance at this point.
Consumer complaint received 2016-06-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NV)

The company formally known as Greentree Servicing LLC, now Ditech Financial, has sent information to XXXX stating that I am late on payments. The account they are alleging is late in payments was closed in 2013 after successful short sale. They sent me notification previously, which I will provide you, stating my account was paid in full and the deficiency was waived. They fraudulently reopened this account previously, damaging my credit score at the time, after which I contacted the CFPB and you ( the CFPB ) were able to contact them and have them send me notification of their erroneous re-opening of my closed account. This should have been an apology, but I accepted their acknowledgement of their error expecting the matter was resolved. Now, again, under the name Ditech Financial ( Formerly Greentree ), they have again fraudulently reopened an account and have sent this erroneous information to XXXX Credit Bureau and are claiming fraudulently that I owe over XXXX dollars to them. 

This is very stressful since they did this to me once previously and now are trying to do it again. I would want them prosecuted and punished to the full extent of the law. They have disrupted my life and caused undue stress and hardship emotionally due to their irresponsible, fraudulent, libelous behavior. Please help me to resolve this again as you did before. I will attach the necessary documents so you can clearly see what they have done. Thank you for your help.