davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CRA Collections, Inc (DE)

I went to the XXXX XXXX in XX/XX/2012, and there 's a {$920.00} balance that I needed to pay, but I did n't know I have that payment because I moved to a new apartment. So, I did n't receive the payment from the hospital. During these past two years, nobody contacted me about this, and I did n't receive any payment about this either. I received a phone call from revenue collect on XXXX XXXX, they said XXXX XXXX forwarded this payment to them, so I have to pay it. I paid it immediately after I understood everything, and I paid it through the phone using my credit card. Also, they sent me a document receipt after several days. Recently, I 'm trying to apply a credit card from XXXX, and they reject me because they declare that I have delinquency history, then I checked my credit report. I saw XXXX XXXX XXXX as a negative account on my credit report. I called XXXX collect to ask them to remove this negative account because I 've already paid it, and they said they no longer have this payment because they 've transferred this to another collect company, which is revenue collect. They told me that I should call XXXX to ask them to dispute my record. However, XXXX agency told me they can not mark this payment as paid because they have to get the prove from XXXX XXXX. After they get the prove, they will mark it as paid, so experian agency suggested me to call XXXX to ask them to send a prove to them to prove that I paid. Then, I called XXXX collect again, they told me since they no longer have this payment, and I paid to Revenue Collect, so they can not do anything about this. ThenI called XXXX again to ask them if I can call Revenue Collect, they said it 's not working because the negative account on my report is XXXX collect. I 'm frustrated now because I paid my payment, but the bad record still hurting my credit report. XXXX said they could n't help me, but the negative account on my credit report is still XXXX collect. I do n't know what should I do now.
Consumer complaint received 2015-05-04
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XXXX/XXXX/15 - I attempted to make a mobile check deposit to XXXX from my account at XXXX XXXX. I received an error message and made XXXX additional attempts. XXXX online app indicated none of the deposits were made because their system was having problems, when in fact, all XXXX checks were deposited, XXXX with the same check # - all totaling {$7000.00} ( a deposit of {$3000.00}, XXXX of {$2000.00} and XXXX more for {$2000.00} ). That afternoon - all checks posted to the XXXX account and I immediately called XXXX the next day. XXXX rep was rude, put me on hold, and then informed me that only XXXX of the {$2000.00} deposits would be reversed and it would take 5-7 days. I received a letter dated XXXX/XXXX/15 from XXXX stating that the account was adjusted in the amount of {$2000.00}. The funds were not returned to XXXX - even though past the 5-7 day mark ( XXXX - XXXX ). I called XXXX on XXXX/XXXX/15 - the rep told me the money was 'in limbo ' and that they discovered the mistake ( Wrong - I called them! ) and that I would need to contact XXXX and give them a case number to retrieve the {$.00} XXXX did nothing in error - this is a XXXX issue, and stemmed from their system having performance problems. So now, not only am I out of the use of my {$2000.00} for the past several days, but I have lost interest on those funds and use of those funds to pay a credit card, so there might be interest charges accruing on the credit card I would have otherwise paid with this {$2000.00}. I want to note I have had repeated problems with XXXX.
Consumer complaint received 2015-10-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I purchased a car with what was described as in house financing, using XXXX references, a hotel address that i had been at for one day, while unemployed and having an interruption in my plans for a place of residence. 

The car dealership approved me. But misrepresented the terms for repayment. So I filed a prior request. The not actually in house finance company sent me a copy of the application packet they processed. From this I learned that my address, downpayment amount had been falsified and that they manufactured afditional references from their employees. 
Upon contacting the finance company, they told me that since they had responded to my complaint they wouldnt bother to address my concerns of fraud. They suggested contacting the CEO 's office again, and when I did so, I was instead told of his desire to have my front door kicked in. These sorts of threats on the part of XXXX XXXX make it very difficult to address the concerns with Credit Acceptance Corp . 
I am under the impression that their XXXX XXXX filing with the SEC describes their dealer purchase program where they allow dealers to utilize their warehouse lines to finance new loans and then immediately transfer up the notes. From the above I can surmize only that Credit Acceptance Corp actively encourages fraudulent practiced on the part of their dealer purchase program members, or would otherwise be more alarmed by reports of specific fraud. 
Additionally, as a XXXX veteran who has been adjuciated as insane, I fear that I am more prone to being targeted by such predatory corporations. While the purchase took place in a state with laws designed to protect the insane, it seems that thus far the state laws failed to prorect me as a consumer.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX/XXXX/2015 a Hard Inquiry was done by XXXX XXXX, XXXX, XXXX, XXXX WITHOUT MY PERMISSION AND DONE ILLEGALLY WITHOUT MY KNOWLEDGE and should be removed immediately.
Consumer complaint received 2015-07-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NY)

My Citimortgage mortgage was paid off in 2009. Only XXXX has it marked as 'derogatory ' and I do n't understand why. I paid it off early and Citimortgage had no complaints. All my payments were made on time - what could be derogatory in this?
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NJ)

The promotional period ended but the credit card company did n't send any information regarding the fact that the APR was going to change. When contacted the company told that the promotional period end date was mentioned in the statement. There was no time to do an opt out of the higher APR and the CC has charged me around {$3000.00} as interest. As I am enrolled in paperless statements, there was no emails/paper statement send out to me regarding this.
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (SC)

On XXXX XXXX, XXXX, I received a notice from XXXX XXXX Tax office stating that my property taxes were delinquent. I immediately contacted Vanderbilt Mortgage at XXXX and was transferred to their " tax team ''. I spoke with " XXXX '' who refused to provide his last name but informed me that his extension is XXXX. After explaining my situation to XXXX, he informed me that Vanderbilt received the same notice from XXXX XXXX XXXX office, however theirs stated that there was a delinquent amount of {$610.00}. I asked XXXX if he could provide me with the last payment made to XXXX XXXX from Vanderbilt XXXX via our escrow account ) and he said it was {$360.00} paid on XXXX/XXXX/XXXX. He then informed me that we signed an agreement for home and land taxes to be paid from our escrow account, however he could not explain why we got a delinquent notice or why they did not contact us when they got the notice. XXXX then informed me that he had another address for us, but refused to give me the address he was referring to. I then informed XXXX of what our address was and told him the address he was referring to did not exist. I am stunned that my mortgage company would have the incorrect address on a contract we signed 2 years ago. I want to know from Vanderbilt why I am receiving delinquent tax notices if they were suppose to be paying the taxes from my escrow. Also, Vanderbilt informs us every few months that our mortgage payment increased. This last time it increased from XXXX to XXXX. They constantly blame it on the insurance, however we have a fixed rate. I would like this company to be investigated.
Consumer complaint received 2017-08-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GVA Holdings, LLC (NJ)

For the past two months, I 've been getting calls from some debt agency that does not identify themselves in the message. And they 're not even calling for me! They 're calling for a friend that listed me as a contact! On XX/XX/17 I received a fourth call. The message is always the same : Your friend XXXX listed you as a contact and we 're trying to reach him. Can you please have him call XXXX. Is this not illegal? That number is connected to this business : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 5 years in business. XXXX XXXX XXXX. XXXX, MT XXXX. EMAIL WEBSITE. Fax Numbers. ( XXXX ) XXXX
Consumer complaint received 2015-10-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I started a mortgage process with the Fifth third bank to buy a house in SHORT SALE. 
This lender received all my documentation, give me the preaproval letter, good faith estimate, and ordered the home appraisal, charging my credit card. 
BIG MISTAKE!!!!. it was a short sale.The formal process can not start until the receiving of the approval letter from the seller 's mortgage Bank. - meanwhile the loan should be in a pending status. 
The ordered appraisal was done 30 days before receiving the approval letter. at this time was expired. So, it was supposed to be redone. When they realize their mistake, never answer my phone calls, or e-mails again. The last communication, 20 days before the closing day was " we have to start the process again ''. Even if I give my authorization to do the home appraisal, it does not mean that this could be done without complying with all legal requirements. I do not have to pay with my money for their unforgivable mistakes. 
I sent an e-mail, and certified letter to XXXX XXXX, Vice President Area Sales manager ( XXXXXXXXXXXX - XXXX XXXX XXXX ) requesting my money back. He never answer.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ME)

15 U.S. Code 1681 c -2 a consumer reporting agency shall block the reporting off any information in my file of a consumer identifies as information that resulted from an alleged identify theft not later than XXXX business days after the dates receipt I HAVE ATTACHED MY FTC REPORT TO THIS COMPlAINT TO PREVENT FURTHER STALL TACTICS FROM. ****** this is so unlawful ****
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Since XX/XX/XXXX, despite making my mortgage payment, in the same manner and for the same amount ( {$2300.00} ) as I had for the previous 10 months, our mortgage provider Fifth Third Bank has incorrectly processed payments. This problem has now occurred in XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX and XXXX ( XX/XX/XXXX ). Each month the payment processing error is different and the problem has persisted, despite my filing XXXX complaints with the XXXX, monthly calls to Fifth Third bank Customer Service and several interactions with Fifth Third Bank 's Office of the President. I CAN NOT understand or fathom, how the bank processed these payments correctly 10 consecutive months in a row ( {$900.00} mortgage payment and {$1400.00} additional on the principal of the loan ) and suddenly not only ca n't process the payment correctly, but worse can not explain all of the errors. I have also filed a formal complaint with the Fifth Third Ethics and Compliance line on Monday XXXX XXXX, 2015 and have not even had the courtesy of a follow-up call. I find this practice unethical and likely to be occurring to other consumers who may not even be aware. I was provided this channel to file the complaint after reaching out to " XXXX On Your Side '' television investigative reporting, here in the XXXX, XXXX, FL area. I am hoping you can help, as the stress of dealing with these ongoing payment processing errors is now taking a toll on my emotional health and well being. I find this bank despicable. I have prepared and will be sending formal written complaints to the CEO of this bank and the Senior VP, whose name was on a form letter I received in XXXX, following a call from the Fifth Third Bank 's collection department on XX/XX/XXXX, informing me I had not made my XXXX XXXX payment, when in fact Fifth Third Bank had processed my check on XX/XX/XXXX, informing each of the persistent, frustrating and insulting treatment I have been receiving month after month.
Consumer complaint received 2015-08-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

I placed an order for furniture from XXXX XXXX XXXX ( Phone XXXX ). Chase Bank prevented me from using my bank card by setting daily limits. I then placed an order for furniture ( XXXX and XXXX ) with my Chase Bank account XXXX, Check # XXXX. The sales representative XXXX XXXX added a person 's name ( XXXX XXXX ) to the check instead of the furniture store 's name, then cashed the check. Needless to say, he has not delivered the furniture, and he no longer works for the store. I contacted Chase Bank and reported the fraudulent check, and they asked if I wrote it. I told them I wrote it but XXXX XXXX added the name. Chase refused to reverse the transaction despite my complaints. I then called Chase to get the name of the bank the check cleared through. Chase informed me they DO N'T KNOW what bank cleared the check, and DO N'T HAVE have any identity of the person who cashed the check. They refused to refund my money in the amount of {$2800.00}. I want a refund from Chase because not only do refuse to open a fraud case, but they neglected in processing the check. The check was not written to the correct party and Chase has no documented evidence of who cashed the check.
Consumer complaint received 2015-03-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I had an account with fifth third bank that I had not used in over a year. There was a single deduction still being made from the account that I was unaware of. I was notified by an automated phone call that there was a problem with my account which prompted me to call the bank. Upon making this call I learned that there was an over draft ; informing me that the account -- that I thought was inactive -- was actually still being debited. I asked the individual how I could bring the account current ; the option of just paying the debt via a credit card ( which I later found out would have been an option ) was not offered. He offered no solution other than for the company to whom the payment was made to refund the money to the bank. I have never received any mailings regarding the account being delinquent or overdrawn from XXXX bank. I did, however, receive a mailing from XXXX XXXX collections agency to my correct and current address which they stated was obtained from fifth third bank. I am curious as to why the bank did not send me any notification of the accounts status or its pending transfer to a collections agency. I have subsequently paid off this debt in full to the collections agency but am unhappy that a customer of any bank could be sent to collections without proper notification ; particularly after I had reached out to them to correct the problem. It is also interesting that the collections agency actually obtained my address from XXXX bank per their employee ( name and employee number in my possession ). And, to boot, the account could have simply been brought current and closed over the phone avoiding all of the hassles and headaches thus far.
Consumer complaint received 2015-10-05
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation (TX)

I made the decision to purchase a home and my realtor suggested PHH Mortgage Broker ; I should have researched the matter but I did not and agreed to use them. They have made the whole process harder than it needs to be and have repeatedly asked for information that had already been provided. The close has been scheduled three times and each time the underwriter has comes back with more requirements. Instead of having an open line of communication it is one way ; the whole process is terrible and while I know things have changed PHH Mortgage is a hard company to deal with that does nothing to help the customer. I reached out to another company, XXXX XXXX and they were much more helpful but unfortunately for me I have only XXXX options walk away from the house XXXX a cash offer is on the table ) or continue with the bad choice of PHH Mortgage. I want to ensure this does not happen to anyone else. Research the mortgage broker/company!
Consumer complaint received 2024-08-09
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. (FL)

Subject : Dispute of Loan Under 34 C.F.R. Section 685.215 Dear CFPB I am writing to formally dispute the certification of my student loan under 34 C.F.R. Section 685.215, also known as the False Certification Discharge. I believe that my loan was certified under false pretenses, and as such, I am requesting that my loan be discharged according to the provisions outlined in this regulation. 
Below are the details of the disputed loan : Loan Account Number : XXXX Date of Loan Certification : XX/XX/year> School Name : XXXX Reason for Dispute : According to 34 C.F.R. Section 685.215, a borrower is entitled to a discharge of their student loan if the school falsely certified their eligibility for the loan. I believe that my loan falls under this category for the following reasons : No knowledge of this loan I request that you investigate this matter promptly and provide me with written confirmation that the loan will be discharged as per the regulations. If additional documentation or information is required, please notify me immediately. 
Thank you for your prompt attention to this matter. I look forward to your response within the timeframe prescribed by law. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-03-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

In order to afford buying my home 10 years ago, I had to take out a XXXX mortgage. At the time, I only qualified for an ARM from XXXX. After the XXXX year, my payment jumped and I was struggling to pay my bills. I did n't want it to continue climbing, so I talked to my bank, Wells Fargo, about refinancing my loan to a fixed rate. My ARM was above 7 % and I was able to get a fixed rate of 8.39 % from Wells Fargo on a HELOC. At the time this was a positive thing, as I was not in fear of not being able to pay it since it was fixed. Then in 2008, the market in the DC metro area collapsed and my home value fell over XXXX from what I paid for it. At the same time mortgage rates dropped, wages were stagnant, and the cost of living increased. 
Since then, my home value has rebounded some, but is still 40K below what I paid for it. I am struggling to pay my bills and because of negative equity in the home, I have been denied at every turn. 
I tried the HARP program with the federal government and did not qualify, I talked to reps at HUD, FHA, Wells Fargo and numerous other financial institutions and I have been unable to obtain a refinance. Recently I reached out to my Congressman and Senators about helping work with Wells Fargo to obtain a refinance or a rate reduction. Recently, Wells Fargo denied my inquiry and had me apply for a refinance, which they denied due to negative equity in the home. 
I am a car accident, replacing my non-functioning AC system, or a broken aging appliance away from not being able to pay Wells Fargo what I owe them monthly. I am current on my payments, have good credit, and want to pay my obligation, but if " life '' happens in any way, I will fall behind and not be able to pay. 
I have run out of options and need this rate reduced or a refinance or I risk default on my loan and foreclosure. Even in foreclosure, I would be at risk of a lawsuit because Wells Fargo would likely not get anything due to the negative equity.
Consumer complaint received 2015-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AP)

I 'm trying to qualify for the HAMP program throughWells Fargo Mortage. They said I was declinedbecause my affordability % was XXXX and Ineeded to be at 31 %. My son offered topay the amount that would have broughtmy affordable factor down to the 31 %. 
The bank said that I was declined againwithout reason
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (SD)

I recently applied for a XXXX XXXX and received a denial letter and they used my credit report from Equifax. Reasons for denial, judgement, derogatory public record, no recent non mortgage balance information. All false information and none should appear on my credit report as I just received my current credit report from Equifax.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.