davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-11-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC (TX)

On XXXX XXXX, 2015 I faxed to BMW Financial services Collections department, the Death Certificate of XXXX XXXX ; Probate Court Order naming XXXX XXXX as Heir of the Estate of XXXX XXXX ; and a Power of Attorney for XXXX XXXX, appointing, XXXX XXXX as the Executor of the Estate of XXXX XXXX XXXX. On XXXX XXXX, 2015 I called and spoke with an associate in the Collections department who confirmed the receipt of the above-referenced documents. BMW Financial Service by and through its collector, disregarded the court order by withholding details of the account and refused to provide the Pay-off amount or the status that this account was past due and up for repossession. However, I was advised that I could ONLY make a payment and then BMW Financial Service 's legal department would contact me with payoff amount. I made a payment for {$6000.00} to buy time until the legal department contact me as advised by BMW Financial. However, no one from BMW ever contacted me and two weeks later, on XXXX XXXX, 2015, the car was repossessed. I called BMW Financial Services to inquire why was the car repossessed. I was told that my bank draft was returned by my bank as " Account not found ''. My Credit Union suggests that no draft ever was submitted as it would still be identifiable as none from BMW shows in their records. BMW Financial Service states that, I was not called because of privacy laws with the Decendant ( XXXX XXXX ) and no one was appointed as Executor or Attorney. I spoke with XXXX of BMW Financial Service Repossession Department, who explained to me that the legal documents submitted were insufficient because the BMW Financial Service assumed the Power of Attorney was for XXXX XXXX. Which was and has never been the case. ONLY after I asked XXXX to read the documents closely, BMW Financial Services acknowledge the XXXX County, Texas Probate Court Order listing XXXX XXXX as the Executor of The Estate of XXXX XXXX XXXX. Not until AFTER BMW Financial Services repossessed the car did they provide Payoff amounts or cooperated with and acknowledge the Executor to settle this debt ( in full ) and take possession of this heirs property. Nonetheless, the Estate has been damaged in additional costs of approximately {$1000.00} in additional repossession fees and costs to pay this loan off and it was all because of BMW Financial Services negligence by NOT contacting the Executor with regard to payment being returned, by not providing status of the loan as required by the Court Order, by not providing the Estate the benefit of paying this loan in full on XXXX XXXX, 2015
Consumer complaint received 2015-12-30
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (CA)

I purchased an item on " XXXX '' and paid using my " XXXX '' account under creditcard- ( citi mc ). 
a month later after reviewing my creditcard statement it showed a cash advance Fee charge + intrest now accruing every month. I called and they said the transaction went through as a cash advance. Citibank mc refused to reverse the charge saying XXXX needed to do it. XXXX refused to do it saying it could not be a cash advance because they dont allow it. I had both reps on a XXXX call, and they both argued with each other saying there was a mistake but neither could do anything about the charges, with me caught in the middle.
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (NH)

I have a mortgage for my residence in XXXX, NH which has been sold XXXX times now. The mortgage is currently held by the servicing company, Stearns Lending, XXXX XXXX, VA. The terms of my original loan were that no escrow account was required for either property taxes or property insurance. I have paid on time since the inception of the loan my mortgage, my taxes, and my insurance. All are current and up to date with no late payments. My loan was taken over by Stearns approximately 10 -12 months ago. During that period, no escrow was applied to my account. Stearns is in possession of my current property insurance coverages as well as the fact that I pay my insurance company directly. Two weeks ago I received a letter from Stearns stating that I owed them {$920.00} and that they were creating an escrow account for insurance and increasing my monthly mortgage rate by {$76.00} to make the escrow account. I pay XXXX directly for both my home and car insurance and it is up to date with no late payments. Stearns creation of this escrow account is in direct violation of the terms of my original mortgage. I do not want an escrow account and do not understand why I am being required to do so. I have contacted Stearns on numerous occasions and have received little to no appropriate response. I keep being sent back and forth between customer service, escrow, and insurance departments but apparently no one there seems to be able to correct the problem. It would be greatly appreciated if someone from your office could contact Stearns on my behalf. Thank you very much
Consumer complaint received 2015-07-16
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY (NJ)

Every since I open my account with American Express Serve has been charging me Monthly Fees and not applying my direct deposit two day before my payday. I usually get paid on Saturday and as today XXXX XXXX, 2016 did not receive my payment. Please review my account and make they working according to Federal Regulations.
Consumer complaint received 2016-02-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (FL)

I applied for and received a mortgage in XXXX from BB & T. At the time they asked if I would like a free checking account. I decided I could make use of a different bank having an account, so I accepted the free checking account. I paid the mortgage faithfully. I sold my home in XXXX XXXX and paid off the mortgage. I did not close the checking account. I rented a new place, I found a new home, I moved my furniture, I remodeled and redecorated. This is to explain why I did not sit down and read my monthly statements from an account that never had any transactions from me in 5 months. Finally I looked at the account statements from BB & T ( who had never charged anything for an account with XXXX dollars in it ) to find out they were now charging me $ XXXX!!! maintenance on an account I wrote XXXX checks per year out of. 
Agast, I went to my local branch and they credited me back on 3 of the 5 months worth of unannounced maintenance fees. I feel this is intentional fraud. They know someone is in transition when they sell a home and pay off a mortgage. They realize they are not likely to remember the fine print in the mortgage they signed 4 years earlier. This fine print in the mortgage was the explanation I was given when I went to the local branch. 
They said someone would call and talk to me about the other 2 months worth of fees {$60.00}. 
But no one even attempted to call me or refund the ill gotten gains.
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I began applying for a loan modification with my mortgagor, Select Portfolio Servicing on XXXX/XXXX/2015. I began submitting the documents they requested. I have submitted a hard ship letter, bank statements, lease agreements for the subject property, lease agreements for other properties I own. Each time I submit a requested document, I get a letter stating that they have received the info they requested and once they receive a complete application along with third party approvals they will send it to underwriting. Once I receive these notices I call, then they request some other document. This process has been going on since XXXX 2015 and now the want something more bank statement detailing the rents I am receiving. I had explained in the hardship letter that I was having trouble collecting rents consistently. They want copies of canceled checks when most of my tenants pay with cash or money orders. I do not take checks because the bounce then the bank charges me a fee plus take the money from my account. They seem as though they do not want to modify my loan. I wonder if they ever give loan modifications to their customers.
Consumer complaint received 2015-04-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

We had Nationstar Mortgage as our mortgage company. As we were trying to refinance with another company, our home incurred smoke damage and we had to file an insurance claim. Once we received the checks from the insurance company, we signed them and send them to Nationstar to be signed and for the funds to be paid to the contractors that completed the work on our home to be returned. In addition to the checks, I sent all the paperwork that was completed by our contractors, XXXX, etc on XXXX XXXX, 2015. On XXXX XXXX, 2015, an inspector for Nationstar came to our house to confirm that the work was completed. I was advised that once this was done and the report by the inspector was submitted, the funds would be sent to me. I paid an additional {$30.00} to have the funds overnighted to me, as I wanted to get the contractors paid. Our refinancing went through and our loan was paid off on XXXX XXXX, 2015. When I called Nationstar several days after the inspection was completed, I was informed that since the loan was paid off, the insurance funds had been put into a secure escrow account. I was transferred several times and was told that the funds would be released in XXXX to 45 days, the next person stated that the funds would be released in XXXX to 60 days and the last person advised me that it would be paid in 30 days, along with my regular escrow account. I advised that I needed to pay the contractors and was told that it was going to take the said amount of time and there was nothing that could be done to speed up the process. We received our payout for the regular escrow account, as well as the over payment, but have yet to receive the funds from the insurance company. We are now being told by XXXX of the contractors that he will charge us a late fee of over {$4000.00}. Another contractor is threatening to put a lien on our house. My husband and I have made several phone calls to no avail. They are holding on to {$45000.00} of insurance funds for a house that they no longer have a vested interest in and nobody has been able to tell us, why this process is taking so long.
Consumer complaint received 2016-01-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

We took a line of credit/mortgage with a swap portion with Citizens Bank for XXXX investment properties in XX/XX/XXXX. The amt applied to principal was to have changed every year in XX/XX/XXXX. The principal amt was never adjusted until we discovered the problem in XX/XX/XXXX. We questioned XXXX and after much harumphing and investigating, they agreed that the amount should have been credited to principal. However, they declared that we then owed them {$5300.00} addition ( tho we had paid every bill they sent ) and deducted it from our account. We protested and they returned the money while not agreeing with us that it was not owed. In XX/XX/XXXX they again failed to adjust the principal amount as they should have. We brought it to their attention again and after much " looking into it '' the situation was resolved and the proper amount was credited as was the principal amount shown on the monthly statement. Again, in XX/XX/XXXX they failed to adjust the mortgage amount to show an increase in the amount credited to principal. We again raised the problem and after some " looking into it '' it has been resolved. However, in every case, the rep to whom we are assigned has been totally surprised by the problem and has required several days to " look into it. '' And the original problem, the fact that they failed to credit the principal properly for 4 years and 4 months still has not been resolved. Citizens is a large bank and this should not happen for years running.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2016-02-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACCESS GROUP INC. (MO)

School name : XXXX XXXX University XXXX XXXX XXXX XXXX location : XXXX XXXX, MO I am having the very unfortunate experience of having Access Group as XXXX of my private student loan lenders. They turned my account over to a nightmare collections agency, XXXX XXXX XXXX, without even having the decency to notify me. After I was contacted by XXXX, which calls at least 5 times a day, I contacted Access Group in the hopes of somehow rehabilitating my debt. The representative claimed to have left me voice mails ; however, my phone does not have voice mail! Then, she claimed to have mailed me statements -- when I inquired as to what address, it was an incorrect address. I informed her that was not my mailing address and that I did n't have voice mail, but she did n't care and refused to work with me. She said that my only option was to deal with the debt collector, TWE. I ca n't believe Access Group did n't care that they are ruining me financially. This is affecting my health, which is n't good to begin with. Their debt collector is rude, and even after it was made clear to the debt collector that I have no money and no sources from which to borrow money, the collector encouraged me to borrow thousands of dollars ( by the end of today ), even if I had to put it on a credit card ( or someone else 's ). I pressed, without luck, for alternatives. He would n't give me any. I am hopeless and scared. Please help.
Consumer complaint received 2015-12-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc. (GA)

Caller is first a recording, then individual comes on ask for individual who 's not available, when ask to take message states this call is being recorded. I ask for name of company and why am I being recorded, they hang up. My caller ID shows the number as : XXXX and ID as " XXXX XXXX ''
Consumer complaint received 2016-03-17
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TX)

The company Navient has continued to call multiple times a day. I have let them know that we have filed a forbearance and that the loans are being consolidated with the Department of Education. i have been polite speaking with these people but i have now explained the situation 4 times and they continue to call.
Consumer complaint received 2015-06-03
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: LD Holdings Group, LLC (AZ)

XXXX, XXXX XXXX & XXXX ( wife ) XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX, XXXX PROCESSING CENTER Your continuous DefraudingXXXX XXXX and gouging us financially isXXXX XXXX XXXX XXXX illegal by law. 

In reference to our Loan Statement dated XXXX/XXXX/XXXX which you continue to misled us about our Loan Payment Statement asking for month of " XXXX XXXX, XXXX payment was already Paid " Check No. XXXX. Plus copies of XXXX and XXXX XXXX accusing us we never paid. Now it deemed especially egregious the discourage repetition of misleading and deceiving us with your unlawful practices conduct. 

Your " fraudulent conveyance or other transaction with intent to Defraud us or to defeat our credit preference, plus gouging us financially is obvious. Your Payment processing center has had been told several times about our Mortgage payment never late, nor behind in any way shape or form. But, your continuous unscrupulous, maladminister conduct with our Mortgage loan payment become a malady toward ( XXXX XXXX. XXXX ) type maladroit activity. 

From the very beginning when our Loan processing started in XXXX XXXX and finally closed in XXXX XXXX, XXXX was the most extreme Maladminister and awful feelings my wife and I ever experiencing in our lives purchasing a home through so called ; .Loandepot Maladminister conduct obviously. We were paying {$1000.00} several times, until we found out Loandepot defrauding us with our Loan payment. Fraudulent conveyance information with my ( tax-exemption ; Code : T XXXX ) and also our Mortgage insurance disregarded by forcing {$100.00} on Escrow ( for Taxes and Insurance ) which brings it to {$1000.00} ; while " Praetorian '' is still our mortgage insurance. Loandepot Scheming and gouging us financially ever since. They 're still asking for {$150.00} as an overdue amount without an explicit detail. 
They are not VA Lender by the way. If they are, they will follow the VA guide-lines for Veterans Home Loan Eligibility accordingly. Nothing ; but willful fraudulent scheming and, financial gouge type of Loan Depot of course. 


Sincerely SubmittedXXXX, XXXX XXXX & XXXX ( wife ) XXXX XXXX VeteranXXXX ... ... With ... ..HONOR, COURAGE, AND COMMITEMENT
Consumer complaint received 2015-11-12
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Credit & Collection Corporation (PA)

Unfortunately, I had lost all sources of income and fell behind on my bills. XXXX credit card in particular, XXXX bank unfortunately defaulted. During this time, I had applied for social security beneftis, and after the default, I was approved. Once my income was secured I called up the collection agency handling the account to resolve my debt. They had agreed to a settlement amount of {$2300.00} vs. the balance of about {$3100.00}. I still only receive $ XXXX month so I asked if I could pay what I could afford toward this settlement amount. They said I could, and I provided my account and routing number to establish a routine transaction. Six months later, I find out that they are not willing to honor the settlement agreement.
Consumer complaint received 2016-01-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

this is my second communication. I filed initial complaint last week. please see the record for case number. I have filed appeals paperwork with my lender for HAMP Denial. My servicer has not acknowledged receipt of the paperwork nor have contacted me. I have left several messages for my account manager and they have all been ignored. The decline letter I received was dated XXXX XXXX, 2016 in which I was given 30 days to file an appeal. That 30 days is over on XXXX XXXX, 2016. the time is approaching fast. although I have sent all the paperwork to them within the timeframe allowed, they have not started any process from their side. I am afraid that they will claim that they never received my paperwork for an appeal and, will close my case. I really need your help in resolving this. a copy of his appeal was also sent to you last week. Thank you
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

I have been arguing with Bayview Loan Servicing company since they took over my loan. Most of the issues are regarding payments being recorded to account late. Until now I have been making electronic payments through my checking account. For months they have been adding small fees here and there. The representatives at Bayview I have spoken with have been rude and in most cases unable to accommodate my requests. When I question charges they often times do n't understand the codes are fees. Recently, finally, I was able to receive a detailed statement going back to when they took over the loan. It is so confusing I have no idea what they are charging me. My account has been in good standing all along and this company 's representatives feel they are in the right even when they ca n't explain what they are doing. Most recently I was told fees would be credited if I agreed to sign up for their automatic bill pay 2 months ago. I have yet to see past fees credited. Now I see new unpaid fees. 
Where do I get answers? 
If there is anything you could do to help me find out what I am being charged and what the fees are I would appreciate it. 
Why are they charging all these fees? 
Did I agree to it? Are they within their rights? 
This is the worst lender I have ever dealt with in my life. I feel they are not being transparent. 
Thank You, XXXX XXXX
Consumer complaint received 2015-11-13
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MD)

I asked for a payday loan of XXXX, payments of XXXX on my payday ( never happened, they have been charging the opposite weeks ), these payments will continue until 2018, which means I will be paying over XXXX for this XXXX loan.I have paid XXXX, and am willing to pay XXXX by money order to complete this transaction.I was not aware of this payment length until after I signed.The charging of the payment on opposite weeks also caused my account to be overdrafted.