davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

I went through a loan modification process that took this company 1 year and a 1/2 to resolved when they finally came through saying I was approved for the loan modification they informed me on a telephone call that I've made to them on XX/XX/XXXX, however they stated the loan modification was  approved back on XX/XX/XXXX, I did not received any notices on the mail or phone calls or perhaps an e-mail stating this was already approved not to mention a placed phone calls to this company at least twice a month to check the status of the loan modification every month since the process started, I did not know where the payments I was making ( every month ) where going to and that's why the phone calls on my part took place, they just kept saying to keep making the trial payments and they'll informed me when it was approved!! so it was very shocking to me to find out the way I found out since I was making calls every month and since it was back from XX/XX/XXXX to XX/XX/XXXX, then this company told me the same day this happened ... " by the way you are behind a month '' even tough I was making ( trial payments every month ) when I asked the representative she told me that she did not know how this could of happened but she said I am going to help you she replied then she said to make payments with a little extra money for 3 months and the " late payment '' was not going to take effect on my credit since it was a mistake on their part. Well to my surprise they have been reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX being 30 days late, not " XX/XX/XXXX '' wonder why? and also reporting XX/XX/XXXX and being late 180 days, this has created a serious issue with my credit report and score and I want this company to be fair and removed what they did wrong in the first place I've send them dispute letters and there is no response, I asked for copies of signed documents for the modification and a copy of the approval letter of the modification with dates so I know when it was sent to my residence which has been the same for the last 5 years and it is the same house I'm paying the mortgage with this company and they failed to do so, when I call they send me to a loss mitigation dept which never answers and they have not been able to provide me with the modification documents I need to make a case against this company with my lawyer probably because they don't even have them I want to remove all late payments from my credit history with all credit bureaus ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) companies like this should not be able to get away with destroying peoples financial lifes because of their inability to do their job correctly and fairly ... I want my financial life back.
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Cynthia Hitt Kent, LLC (NC)

I moved from XXXX to XXXX last year, and put my house for rental. This year, I receive a forwarded letter in XXXX, from XXXX XXXX XXXX, indicating the lack payment of the HOA fee. I called them immediately on XX/XX/XXXX to follow up with the case, and sent the check out after the call, for the 1st quarter and 2nd quarter. However, the check I sent to the company was not deposited and the company never gave any follow up. Instead, in this XXXX, they sent a demanding letter, and asked me to pay for HOA fee, late fee, and attorney demanding letter fee. 

Although on the call of XX/XX/XXXX, the agent from XXXX XXXX XXXX agreed to waive the late fee for the 1st quarter, I still sent the full payment for my 1st and 2nd quarter HOA fee with all the late fee they charged on my account. But they still asked me for the attorney fee. 

I do not think I should pay for the attorney fee, the demanding letter, because : XXXX XXXX XXXX is new for the community this year. This company did not inform me for the current rate and bill on time. From the beginning of the year to the time of the demanding letter, I only received 1 letter from them, and I also replied to them immediately by phone. For any issue, either potential non received payment or incorrect check amount, this company should contact me by different ways before sending me the demanding letter. Unfortunately, they did not. 

I did not hide in this entire process. Before their notification at the end of XXXX, I have already contacted the old management office to pay off my HOA fee but I got email from the old office, indicating they were not for the management of my property any more this year. On XX/XX/XXXX after receiving the notification from XXXX XXXX XXXX, I called the company. During the call, I got the account set up, and from that time on, they have my email address, correct living address, and phone number. Thus, they are supposed to send me email, letter or call to inform me for any issue, before using the demanding letter. 

In the conversation to the attorney regarding this case, they just said, I had to pay for the letter fee because I did not reply to them. They ignored the fact that I called them on XX/XX/XXXX. They ignored the fact, they did not send me bill on time. They also said, they tried to contact me before sending me the demanding letter. However, when I asked them for details, such as time, date, for some phone call history record, they could not provide any. 

My Case : XXXX My Account Number : XXXX
Consumer complaint received 2024-09-19
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (VA)

I am currently working with XXXX XXXX XXXX to pay my cards and on XX/XX/year>, I received a call from XXXX stating that I needed to contact TD Bank regarding my XXXX Account in order to give " verbal authorization for the life of the debt management program for XXXX XXXX XXXX. '' I have been trying for hours to get in contact with an agent at TD Bank and have been given multiple different numbers and transferred to multiple different agents regarding this matter. This is unacceptable and at this point I am escalating my concerns to the CFPB so that someone in this company can reach out to me on this issue as I have spent hours trying to in contact with someone regarding this matter.
Consumer complaint received 2018-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FM)

I make a Deposit ( Check ) in my Bank of America Checking account, and them hold the amount for 12 days, and overdraw the account and charge {$35.00} per each transactions, I call them different time try to make the solution, but they don't do anything about it. Is ridiculous, because the found was take from the other bank the next day ( XXXX XXXX )
Consumer complaint received 2018-05-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST (OR)

I called to inquire about getting a Home Equity Line of Credit from bank of the west. My loan officer XXXX XXXX NMLSXXXX misquoted and mislead me into thinking I could borrow 80 percent LTV on my investment property HELOC. That was more than any other institution I had called. I decided to proceed with the application based on the 80 percent LTV. However after my credit score had been pulled he stated that the bank was in fact unable to loan that amount on my home based on the fact that it was an investment property. He changed the LTV from 80 percent to 65 percent which was an identical amount to every other bank I had shopped at. He mislead me and pulled my credit score under false pretenses and then had no solution to the problem. He even asked if I would like to continue with the loan
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX I was charged {$200.00} from my credit card through an airline that was supposed to be an authorization since we had a membership bundle that included a free bag that we could claim for our flight. Come to learn the clerk accidentally charged me this amount. 

After contacting the airline two weeks later, we were told that we were indeed not supposed to be charged. However, they told us we could not refund us since the payment was made overseas and the best option we had was to contact our bank and get a refund. 

After an extensive back and forth and documents being sent from our end and an audio transcript of my call with the agent, Barclays Bank took about XXXX weeks for our case. At the end, they did not give us any reasoning into why my dispute was unresolved against my favor. We had a screenshot from the airlines support agent, and we sent Barclays an audio transcript of our conversation with an agent. However, they still did not give me any concrete reason or proof as to why they did not find me eligible for my dispute
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Financial Management Solutions, LLC (MD)

I was in contact with this company in XX/XX/XXXX about their incorrect charge from a management company. I was spoken to very rudely each time I tried to explain the problem. I finally sent them a letter explaining that I didn't owe the money and I even sent the letter 60 day notice letter I had given to the original management company I also sent a cease letter at that time. Ultimately at that time all calls stopped and the erroneous information was removed from my credit file. However the information reappeared on my credit file in XX/XX/XXXX and all calls begin again. I contacted the original management company and was they have no record of the debt. I have disputed this at least 3 times with the credit bureau but they continue to them this is mine. How were they even able to put this back on my credit after several years?
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX PROBLEM : XXXX XXXX was recording this account to all 3 credit bureaus XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX then the credit card number was reissued due to Lost and thereafter all of the information disappeared from all three credit bureaus and was never reported with the new credit card information and payments applied however XXXX  XXXX is now claiming that they have continuously reported the new information to all 3 credit bureaus since then that is XX/XX/XXXX however none of that information as shown up on any of the three credit bureau report associated with my name and social security number even though that information has been verified by XXXX  XXXX and the three credit bureaus yet nobody can solve the problem why it is not appearing and being reported on my credit bureau reports. I have noted online that there are several other XXXX XXXX credit card holders experiencing the same problem and that is not just me so this must be some kind of it either an engineering problem or some kind of a scheme going on to manipulate consumers. The following is an excerpt from my 3 Bureau credit report from XX/XX/XXXX the last report that this account was reported to all three bureaus : Account Name XXXX Balance {$580.00} Credit Limit {$750.00} Usage 78 Type REVOLVING Status Current Opened On XX/XX/XXXX Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 78 % Balance {$580.00} Balance Updated XX/XX/XXXX Credit Limit $ 750 Monthly Payment {$25.00} Past Due Amount - Highest Balance {$780.00} Terms Revolving Responsibility Individual Your Statement - Comments Account was in dispute-now resolved-reported by subscriber Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

RE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX PROBLEM : XXXX XXXX was recording this account to all 3 credit bureaus XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX then the credit card number was reissued due to Lost and thereafter all of the information disappeared from all three credit bureaus and was never reported with the new credit card information and payments applied however XXXX  XXXX is now claiming that they have continuously reported the new information to all 3 credit bureaus since then that is XX/XX/XXXX however none of that information as shown up on any of the three credit bureau report associated with my name and social security number even though that information has been verified by XXXX  XXXX and the three credit bureaus yet nobody can solve the problem why it is not appearing and being reported on my credit bureau reports. I have noted online that there are several other XXXX XXXX credit card holders experiencing the same problem and that is not just me so this must be some kind of it either an engineering problem or some kind of a scheme going on to manipulate consumers. The following is an excerpt from my 3 Bureau credit report from XX/XX/XXXX the last report that this account was reported to all three bureaus : Account Name XXXX Balance {$580.00} Credit Limit {$750.00} Usage 78 Type REVOLVING Status Current Opened On XX/XX/XXXX Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 78 % Balance {$580.00} Balance Updated XX/XX/XXXX Credit Limit $ 750 Monthly Payment {$25.00} Past Due Amount - Highest Balance {$780.00} Terms Revolving Responsibility Individual Your Statement - Comments Account was in dispute-now resolved-reported by subscriber Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (AL)

I HAVE SENT MULTIPLE OF LETTERS ASKING XXXX XXXX FOR VALIDATION OF THIS DEBT THEY SAY I OWE THEM. I WENT TO THE SECRETARY OF STATE WEBSITE AND COMPLETED A UCC INFORMATION REQUEST AND I DO NOT HAVE A LIEN ON MY NAME FROM THIS COMPANY. XXXX XXXX company have been unable to show evidence of the alleged claims. In order for a claim to be valid there must be a contract in place to show there was an offer made, mutual acceptance, terms and conditions, consideration and 2 wet ink signatures signed by both parties. If there was proof of any debt, according to the rules and regulations of the state, there should be a public record on file with the secretary of state. I have attached the validation letters sent to their company.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (CA)

I closed my account at US Bank XX/XX/XXXX and moved out XXXX. Auto payment of mortgage to be canceled as I had set up bill pay of mortgage through existing BofA acct. US Bank then debited closed account and overdrew it XX/XX/XXXX even though I had paid it for XXXX from XXXX. Received notice and saw branch manager XXXX XXXX XXXX XX/XX/XXXX who reversed NSF fee and confirmed payment. Mortgage statement in hand and provided here showed double payment in XXXX which they applied to XXXX and XX/XX/XXXX so I canceled XXXX payment. Did not know or was advised until recent that USBank was also again trying to debit US Bank acct ( provided activity ) & stated no funds but account was closed! I made XX/XX/XXXX payment early XXXX from XXXX but received call from US Bank XXXX XXXX and she said XXXX payment from US Bank did not go through so I paid it over the phone conf # XXXX but then on XXXX received another call saying possibly account number I provided was incorrect or representative imputed it incorrectly os I provided it again and was told then as well as on XXXX that the late fee would be reversed due to the confusion and that the mortgage was paid up, there would be no late reporting as that was my main concern as I have never had a late mortgage payment t in over 25 years and my credit scores were over 800. I was assured that that would be honored. Several months later I received a letter from XXXX that my personal information was compromised so I ordered my credit reports and saw that US Bank went against their word and did indeed report me on XXXX dropping my credit score from XXXX to XXXX per XXXX. I went to US Bank and spoke to same manager XXXX XXXX and he later contacted a manager the following day and the center said they would not reverse it.. I have sent letters to all XXXX bureaus, office of XXXX of US Bank and their internal mortgage dispute center and still have not had resolution. Per documentation provided, this is a blatant mortgage reporting error on US Bank ad I never received any calls or notices other than the mail and the calls I received in XXXX of which I immediately called the bank as well as went to the bank to resolve. Their mortgage statements also reflected inaccurate information which led me to believe that the issue I. may was resolved in XXXX.
Consumer complaint received 2018-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (TX)

I disputed a transaction for {$76.00} with my bank, BBVA Compass, last Friday - XX/XX/2018. 

I've sent in two online messages since then regarding fees this transaction caused - and no one has responded. The transaction caused several others to return / bounce - and for each, I received a $ XXXX/overdraft fee. 

I just called in to customer service to find out the status of the dispute and the provisional credit to my account - and the agent I spoke with claimed to see no pending disputes on my account. 

He transferred me to the disputes department, and miraculously, the agent I spoke with claimed to be unable to hear me. Apparently my line had started chopping up all of a sudden - despite being in the same spot I was when I spoke with the agent before her. 

Since there's clearly no intention on BBVA 's end to get this resolved, I'll handle it this way instead. 

I need a credit to my account for the {$76.00} disputed charge as well as the four {$38.00} fees the transaction caused.
Consumer complaint received 2018-05-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

this loan servicer was involved in not only adding insurance to my loan when I already had insurance through my main mortgage but dual tracking and trying to foreclose on my home. I have complained about this in the past and nothing seems to being done against them. I had a heloc with another company and it was handed to Specialized Loan Servicing, since I had filed a bankruptcy I received no statements from this company and was not aware my loan was due to mature. Additionally since I had modified my mortgage this loan moved to the first position on my home. I tried for 2 years to get them to modify this loan and through numerous sets of paperwork. There was always something missing. They put my home on the fast track for foreclosure and I had to file Chapter XXXX bankruptcy to keep my home. I reached out to a lawyers office who had filed a class action lawsuit against them for doing the same thing they did to me. The lawyer told me while they did agree this company was engaged in dual-tracking of my loan, but because the loan was a HELOC it didn't fall under RESPA. I believe the actions of this company were solely because of the amount of equity I have in my home. How can they still be doing business in California?
Consumer complaint received 2024-09-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION (IN)

this account/loan was opened up at a company without my knowledge. this loan was opened up by a a company name XXXX XXXX XXXX they forced me into a vehichle i did not want and did not want. i dont remember me signing any information they forced my name on a piece of paper and took my personal information and put it on a loan for a lemon vehichle that was unsafe to drive. i have multiple messages that saying i do not want car and had problems with vehichle it was unsafe to drive. this account it was opened up XX/XX/year> i dont remember me opening upanything around that time of the year. im hoping to get this removed of my credit its affecting my ability to get me a home for my family and get certian things done in my life. i want this fraud opened auto loan to be removed please please its not fair to me or my family.