davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-02
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (GA)

In XXXX, my husband and I started the process of obtaining a construction loan from SunTrust Mortgage. The process has been a very unpleasant experience. Throughout the entire process we were not kept inform of our loan request. In order to kept the process moving forward my husband and I had to call to for the next step. Any time we would turn in paper work that was needed we never knew if what we provided was sufficient. I would have to start calling around XXXX or XXXX in the morning every 30 minutes until I could reach our loan officer XXXX XXXX or XXXX XXXX just to get updates on our loan process. I would send email and get no reply. My husband and I provided all the information that was requested of use as soon as we were told it was needed. My husband called twice and wrote several emails to XXXX XXXX and XXXX XXXX to voice his concerns on how it seemed as if our loan was not being taken seriously. After 6 months of trying to get our construction loan approved and calling to see where we were in the loan process, we were told we were not approved for the loan. XXXX XXXX explained to me how I needed this large amount of money down or in escrow. I asked him to send me the information to my email detailing why we were not approved for the loan. He told me he would send it that day but never sent the email. I got up early that morning and started calling him until I was able to speak to him and not voicemail because he does not return our calls. He said that it was a long and detail letter and he was finishing up the email and would send it. Once again I never got an email. My husband called the next day and was told by XXXX XXXX that he would send an email with the information I requested. We still never got an email. It is a week later and we still have not gotten an email detailing why our loan was denied. I have never been treated so poorly in my life. I am so disappointed that my husband and I were not able to complete this loan process with SunTrust. And at this point time and money have been wasted.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Received a credit report from TransUnion showing " XXXX SERIOUS DELINQUENCY '' & " XXXX TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN '' which was triggered by an incorrect report by XXXX that the account had not been paid and went to collections. 
This information is not true. I contacted XXXX and they had no record of the account going into collections or being past due. It was paid in full and closed. 
The Transunion credit report is showing a lower FICO score than it should, despite the dispute, which is causing me real harm. I am applying for a loan which is going to cost an extra {$60000.00} over the loan term.
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (IA)

I was contacted by ERC ( representing XXXX ). They told me that i owed them money, and since I do have collections on my credit report that I am currently making payments on, I agreed to a set of terms they laid out. After I got home, I checked my credit report and my debt with ERC had already been settled and the collection was disputed on my XXXX credit report and removed on XX/XX/2016. I called them back and they informed me that they would forward the information to XXXX and I would not be charged. I was in fact still charged on XX/XX/XXXX in the amount of {$110.00} that shows it was charged by XXXX. I have made two attempts to contact XXXX and have not been successful in resolving the issue. The financial department had me on hold for 30 minutes during my lunch hour, and I 've sent an email that I have not gotten a response to.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. ()

Citibank obtained my name, date of birth and address and pre approved an {$8000.00} ready credit card. I do not know where they got my personal details since this an am American Credit card company and I live in XXXX. They then kept offering me unsolicited credit card increases to the amount of {$25000.00} without checking my income or any verification. They then applied a credit rate XXXX times the amount of what the original rate was. I tried to cancel several times and they refused. They eventually lowered to rate to keep me as a customer. I have complained in XXXX but not much was done due to FOS being bias and on the bank side, they have reduced what is owing but they did target me because I was in my early XXXX 's.
Consumer complaint received 2016-08-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

Our firm represents a borrower in default on an FHA mortgage, currently under contract with a purchase price that meets the investor 's required net. Ditech denied the short sale because ( 1 ) the property is not owner occupied ; true, and ( 2 ) Ditech states the borrower has a credit score of XXXX or above. The borrower disagrees, has researched her credit score, and it falls below XXXX, therefore making the denial invalid and the short sale should have been approved. 

A written request was submitted to Ditech by the homeowner ( as instructed ) on XXXX XXXX, 2016. The following was requested in dispute of the denial : ( 1 ) The type of credit scoring module used, ( 2 ) The date of the credit report, ( 3 ) A full copy of the credit report, upon which the sale was denied. 

As of yesterday, Ditech has not provided any of the information to the borrower, and it remains " under review ''. Ditech has had this under review for over 60 days with no time frame for review to be complete. This has taken too long and the homeowner is in risk of foreclosure. Please contact our office should you have any questions : XXXX XXXX ( XXXX ) XXXX, e-mail : XXXXXXXXXXXX. Office hours are XXXX from XXXX until XXXX. Thank you in advance for your assistance.
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MI)

Chase Bank continuously pushes customers to go paperless on their mortgage accounts. I have had to turn off this feature numerous times and spend countless hours on the phone getting this straightened out. You should be able to review your accounts without being forced into something and then have to spend time reversing it to what you had to begin with.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MO)

Ok so my dad was renting my house ( XXXX XXXX XXXX XXXX MO XXXX ) from XX/XX/XXXX-XX/XX/XXXX .. His name is XXXX XXXX my name is XXXX XXXX XXXX . My other home I have lived in are XXXX.. And XXXX MO .. I have NEVER lived at that XXXX XXXX that is my dad who lived there ... And that is HIS work history on my report I have never worked at XXXX nor XXXX .. Which takes me to the XXXX XXXX that is on my report that is NOT mine that is my dads .. And also the XXXX that is also not mine I have not had XXXX before
Consumer complaint received 2016-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (GA)

These DEBT COLLECTORS HAVE CALLED 6 TIMES SINCE YESTERDAY XXXX, THEY HAVE CALLED MY GRANDDAUGHTER, ME ONCE, MY SON ONCE, MY DAUGHTER IN LAW ONCE, AND ME TWO TIMES TODAY. This has got to stop. Now everybody thinks I gave them permission to contact them. I do not know who they are and what they want my attorney said not to talk to them. But I will contact them right away to get to the bottom of it all.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: APR or interest rate — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I opened a credit card with USAA with a promotional offer for 0 % introductory APR for the first 12 months. I noticed after a few months of having the card that I was being charged interest on the account. I called USAA on XXXX/XXXX/16 and spoke with a representative that confirmed that I should have had the promotional APR but it looks like it never took hold. The representative stated that she would reach out to the back office and then have them contact me back to get the matter resolved. I never received a call back so I called again on XXXX/XXXX/16 and spoke with another representative. The new representative informed me that I did not have a 0 % introductory APR and stated that would escalate the call for further review. I am receiving conflicting information regarding what my promotional offer was. I never received any documentation regarding the promotional offer and this material was also unavailable to me when I looked online. I deem this to be an unfair deceptive act and practice. I recall signing up for the 0 % introductory APR for 12 months and this was confirmed by a USAA representative and now I am being told something different. My credit reporting has been negatively affected for providing incorrect balance information due to the interest that has accumulated on the card. In addition, this has caused a financial burden by having to pay on interest that was not supposed to be accrued during the first 12 months.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion Interactive sold - for {$1.00} both mine and my husbands consumer credit information. The entity who stole our information can answer questions in the TransUnion screeing process that can be found online by anyone! 

What TransUnion Interactive is supposed to provide is being a gatekeeper using the credit card as the final gate. They sold my information to a stranger that did not have my credit card or name on it. This should raise RED FLAGS. But they are so greedy they sell privacy for {$1.00}. Then deal with the consequences later - They probably wanted to sell me something. This company should be investigated for FRAUD - since they Do Not protect your privacy. They sell it for {$1.00} to anyone with a credit card. 

This is an incompetent bunch who create huge problems for consumers. THEY are the problem. They are not doing their job.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have informed Experian many times that the following addresses do not belong to me : XXXX XXXX XXXX North Carolina and the XXXX XXXX in North Carolina ( Please remove ). 
Also, I have informed them that I am a victim of identity theft. So the inquiries should be remove since I did not authorize them.
Consumer complaint received 2016-08-02
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (FL)

I believe I am being asked for irrelevant information from my bank when I applied for a {$25000.00} loan for a {$75000.00} property. This has been three weeks of asking for sometimes duplicate information or impossible information. For example, my mailing address is different from my street address and they need 'proof ' of that. I told them it is a gated community and EVERYONE has a box within the community mailroom but they 're insisting that my mailing address is actually a property. I have no proof but that ca n't possibly be a unique situation. I also have a annuity that they 're asking for a three year continuance award letter. There is n't any because I could simply take it all out one day ; it 's an annuity. No guarantees. I do n't know if they do n't know what they 're doing, but every day they 're asking for some other 'proof ' of something. I signed a form to give them permission to get a copy of my tax records three weeks ago and yesterday they just asked me for a copy of my tax returns for XXXX and XXXX. It just goes on and on. They should have given me a list of what they needed, but instead, different people contact me for different things. We have an excellent credit record and assets to more than cover the loan, I feel as if I 'm being harassed.
Consumer complaint received 2016-08-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MN)

XXXX XXXX ( my former boyfriend ) had an auto loan through Ally Auto. I have made all of the payments and have a notarized document statement indicating title of the vehicle XXXX purchased will be transferred into my name once the loan was paid in full. The vehicle we purchased was in an auto accident on XX/XX/XXXX, resulting in the loan being paid off in full in XXXX. XXXX and I have made multiple attempts to request Ally Auto to send a lien release letter or card but the only thing they have sent is a letter confirming loan being paid in full. The MN Dept. of Motor Vehicle will not allow the car title to be transferred into my name until we provide them with supporting documentation of lien being released. I am attaching a copy of the letter Ally Auto sent us on XXXX XXXX, indicating our loan being paid in full. Could you please help XXXX and I with getting a lien release from Ally Auto?
Consumer complaint received 2016-08-02
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (MI)

In XXXX 2017, I canceled a service with XXXX XXXX which resulted in a refund of {$310.00}. Instead of returning the refund to me, XXXX XXXX returned the refund to GM Financial Services. I contacted GM Financial about how to handled this transaction. Because I have Auto Pay, GM Financial told me that they would ( XXXX ) cancel the Auto Pay for XXXX. ( 2 ) apply the {$310.00} as a refund, and ( 3 ) that I would only need to pay {$130.00}. I did exactly what GM Financial instructed me to do. However, the Auto Pay for {$450.00} for XXXX was still processed. This was devastating because I am retired and was in the process of paying my bills when I received a text from my financial institution that I had a low balance. When I looked at my account, I discovered that I had been double-charged by GM Financial. I knew that I was going to be hit with insufficient funds if I did n't do something quickly so rather than calling GM Financial, I called my financial institution to have the unapproved charge removed. They instantly did this but it cost me {$30.00}. I wrote a letter to GM Financial asking that they reimburse me for this fee because it was their error that I was charged an additional {$450.00}. I wrote a letter to GM Financial requesting a refund, but they never responded to my letter. Consequently, I called GM Financial Customer Service. The representative stated that they could not reimburse me because I did n't come to them to get a reimbursement. I am reaching out to you for help. If I had gone to GM Financial, their process would have been at least 3 days before the refund would have been applied to my account. By that time, I would have been hit with several " insufficient fees '' which is why I went directly to my financial institution. I would appreciate your help in this regards. I have had no many problems with this company, I feel like I am doing business with a second-rate lender.
Consumer complaint received 2016-08-02
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Guidiville Indian Rancheria (VA)

My husband and I have been receiving threats of criminal prosecution for a debt that my husband and I had with a company called XXXX back in XXXX of 2015, that we paid on for 5-6 months, but they were taking more than we thought they were supposed to, and we tried to negotiate with them, but they would n't and we had to close the account, because even after we asked them to stop automatic debiting, they refused. We only borrowed {$250.00}, and were paying well over {$100.00} per month. We included the loan as part of the bankruptcy for both my husband and I. I have discharged out of my Chapter XXXX, but my husband is still in his Chapter XXXX. We have been getting harassment calls from debt collectors for at least three months, soon after we went into bankruptcy. 
Today we were told that we committed fraud and that we would be prosecuted for fraud. that they were coming to our home to serve us a summons. We were also told that bankruptcy does n't have any bearing on this debt. We paid so much on the loan compared to how much we borrowed, and they are still saying we will be prosecuted unless we pay over {$700.00} more to them. 
The callers talk very fast, but refused to answer questions about the name of the company they work for. They have been very rude, and threatening. We think they said XXXX, btu do n't know what that stands for.
Consumer complaint received 2016-08-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

My home suffered damage in a recent flood. The insurance adjuster came out and filed a report on the damage. Checks were issued, but the bank that holds the mortgage, Penny Mac, was also listed on the checks so we had to send the checks in to Penny Mac for endorsement before we could access the money. We sent in all information that was requested by Penny Mac, but the money was not released. When we called to find out what the problem was, we were told that because the loss department had changed locations, our documents could n't be found so we would have to resend in the information. We were also told that there was another form that needed to be completed ( it was not in the original packet ) and would be faxed out to us since they could not email it. It would take 3 days for an approval on the fax. The fax never came. There was no record of the fax even being sent out and our money is still sitting in Penny Mac 's hands with no work being able to be done on the house. When asked to email information initially we were told that this could not be done, but after requesting a supervisor, we were told that it would be done. At this moment, we are still waiting for our money.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Equifax is currently reporting inaccuracies in my credit report. There are now XXXX student loan accounts that were never late and they continue to add more that all have the same account number but are reporting incorrectly. According to FTC opinion on the FCRA Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. Also under the Higher Education Act ( HEA ) Updating and correcting previously reported information includes removing default history after a borrower successfully rehabilitates, as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a retroactive deferment and forbearance that ultimately converted the original period of delinquency into a period when no payment was due. I have letter from the original furnisher showing that my account was indeed in forbearance from XXXX which is when these late are showing incorrectly on my credit report. Instead of fixing these errors equifax has taken more than the allotted time and has added closed accounts with the same account number with no clear reporting of these accounts. Also I the other inaccuracies that are not being properly investigated and shown proof under FCRA laws that show me the validity of these accounts that I have asked for many times now I the investigation is taking longer than the timeframe given by law.
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

I was out of work for over a month because I was in the hospital. I told them this and they told me I had to come up with the money. Then they asked me to borrow it from family members to pay on my account.
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MRS BPO, LLC (VA)

Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract, the contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services. This is the second collection agency obtained by XXXX and I have not been provided the services I contracted since XXXX XXXX, 2016.
Consumer complaint received 2017-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

Conn 's credit corp r eported my account as 30 days past due for  XXXX /2015 and I have never been late on my account. I even have pay statement from my chase bank where they debited my account for the amount owed. I have tried several times to have the issue resolved with them, but to no avail and it is been reported on my credit as late for 30 days.
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (RI)

We have been 2 months behind on mortgage. I contacted Wells Fargo to see if we could have a loan modification. They told me that we did`nt qualify for one that we made enough where we did`nt need one. When filling out the paperwork they gave me i could not see anywhere where i would put what bills we pay, Gas, electric, Etc ... This has very frustrating because i`m trying to get help so we don`t get foreclosed but i can`t get any. XXXX XXXX 2017 is when i got the denial letter.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I signed up for a Checking Account under a bonus offer for {$250.00} if I did one of the following : Establish a {$500.00} minimum direct deposit or make 10 debit card transactions. I did both, but never received a bonus despite waiting approximately 1.5 months after meeting the bonus requirements. I emailed Wells Fargo about the issue, and they told me I would hear back in 14 business days, which did not happen. I spoke with a representative after that time, who claimed that the promotion I had signed up for had expired on XX/XX/XXXX ( I signed up on the XX/XX/XXXX ), which is impossible because the expiration date of my offer was XX/XX/XXXX as stated in the email I received stating the bonus was attached to my account. This appears to be a classic bait-and-switch and not what I expected when I signed up for this account.