davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (WI)

I have a mortgage thru US Bank and have PMI which is supposed to automatically terminate at XXXX % which happens on XXXX XXXX, 2016. Yet they are still requiring PMI for XXXX and just sent me a letter demanding that I prove my home value has n't declined in value and I know this is n't required for automatic termination! Then I spoke to someone in PMI who said that my PMI would be terminated on XXXX XXXX but requiring that I still pay XXXX payment and then they will refund it at the end of XXXX. 

I questioned why I was being told XXXX different things first the letter demanding I prove the home value has n't declined and now that I still need to make a XXXX payment even though my PMI should be terminated XXXX XXXX. He had no real answer nor would he fix the problem. Instead he told me I had to pay PMI for XXXX XXXX and then wait for them to refund me the money! 
Please intervene to make sure my PMI is terminated as of XXXX XXXX, 2016 as I 'm at XXXX % then and have been current on my mortgage.
Consumer complaint received 2016-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Ballybunion Enterprises, Inc (OR)

I had an account with freedom furniture that I opened sometime in XXXX for the purchase of a television. I made my payments as scheduled till XXXX of XXXX when I got out of the XXXX and moved XXXX. I made effort to make payment to the company but they where taking payments out of my account that I did not authorize. I had to close my account to keep them from taking money. I ask for a statement which I never received therefore I stopped making payment because they would not provide me with this information. several years went by and i started getting harassing phone calls and emails with threats about payments. I returned an email stating i would make payments of XXXX dollars which they started taking XXXX dollars each month not what was agreed. After a year i asked the company to send me some type of statement showing what I owed on this account ( not provided again ) where I was told I was n't paying enough and my bill was now XXXX payments behind due to not making full payments of {$280.00} which was not agreed to and that i still owe {$24000.00} for a tv but they would make a one time payoff of XXXX. I again asked for some type of paper work and did n't get it. I again had to cancel my card to stop them from billing me this month they called right away and threaten to send me to court again and told me I now owe XXXX if I pay today. I do n't believe there practice is in anyway legal nor ethical is there anything I can do.
Consumer complaint received 2016-02-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Genesis Credit Management, LLC (TX)

I filed a previous complaint on the company four months ago. In their response they said they would send validation and they STILL HAVE NOT SENT ME ANYTHING REGARDING THIS ERRONEOUS ACCOUNT. This is absolutely ridiculous! This company has violated Finance Code Chapter 392 Section 392.201. The law says that they must send all files concerning that consumer no later than the 45th day. I originally disputed this account in XXXX and never received anything. Validation will not do at this point and time. THIER TIME TO INVESTIGATE AND REPORT TO THE CONSUMER IS UP!!! I will be filing a complaint with the FTCXXXX and the XXXX today!
Consumer complaint received 2016-02-09
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC (AZ)

I sent American Credit Acceptance a letter requesting information about the current high balance amount, original credit amount, late notices, and the original signed contraction by certified mail. They have not made any attempt to contact me via mail with the requested information and documents that I 've requested. This company is now willingly withholding information from me.
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

Good morning, my issue is simple, Ocwen Bank denied my loan modification. I am in eminent default. They refused my calls, checks, and request for over a year. Now they claim the investors for my loan type do not offer loan modifications. On the Ocwen website they have plenty of options for customers who are in default, they did n't offer me anything. Please help as I want to catch up my mortgage payments and do loan modification. They also refused my request for Qualified Written Request, I have a MAJOR error in my account as the bank has refused to discuss my account up until I have filed a series of complaints, the largest error is nobody even until now can tell me the status of my account, balance, etc. this appears to be highly illegal PLEASE HELP
Consumer complaint received 2016-02-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: United PanAm Financial Corp. (VA)

Complaint regarding a Retail Installment Contract and Security Agreement dated XXXX/XXXX/XXXX assigned to United Auto Credit XXXX by a Virginia auto dealer named XXXX XXXX XXXX XXXX. The used vehicle secured under that contract, a XXXX Toyota Camry, has not operated since XXXX XXXX, XXXX because of failure of the XXXX Liter, XXXX cycle XXXX XXXX XXXX engine. Total Cash Sale Price : {$7900.00}. I paid {$2000.00} cash down at sale. Financed {$5900.00} under the Retail Installment Contract for 33 months at 24.99 % APR. The dealers XXXX XXXX XXXX as of XXXX/XXXX/XXXX listed Final Loan Value as : {$5200.00}. The current estimate given to make the Toyota Camry fit for use because of the required replacement of the engine is more than {$4000.00}. I have paid all payments due to date to United Auto Credit XXXX under the terms of the Retail Installment Contract. I have maintained full comprehensive auto insurance covering the vehicle, and United Auto Credit XXXX 's security interest in the vehicle, through XXXX XXXX Company. The terms of the Retail Installment Contract state : " Any Holder of this consumer credit contract is subject to all claims and defenses which the Debtor could assert against the Seller of goods or services obtained pursuant hereto or with the proceeds hereof. '' A XXXX XXXX XXXX Bulletin, dated XXXX XXXX, XXXX for the Model XXXX engine, entitled " Engine Oil Consumption '', states, in part : " The piston assembly has been changed to minimize oil consumption. '' The dealership represented at the time of the XXXX/XXXX/XXXX sale that the XXXX engine was " brand new ''. The dealership knew at the time of sale that the piston assembly repairs required in the XXXX XXXX XXXX Bulletin had not been made to the engine. The Seller knowingly misrepresented the condition of the engine component on the Toyota Camry and knowingly misrepresented the value of the security interest in the vehicle for the Retail Installment Contract and Security Agreement.
Consumer complaint received 2016-02-09
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (NC)

Sears at XXXX XXXX, XXXX NC : POLICY for all cashiers as per management ORDER to maintain employment, is to offer customers a discount and withhold all information that this discount comes contingent with the approved application of their credit cards. They are also told to hold back the written material relevant to the credit card and application process and tear off the signature and scan page only for customer to see. This is rationalized as ok on the basis that the customer.. usually XXXX or English not first language or young and inexperienced individuals, and EVEN those that have STATED they do NOT WANT A CREDIT CARD, have given their social security card so it 's their problem. This is devious and I presume illegal. This has been going on to my knowledge as an employee since 2008 with ALL NEW HIRES.
Consumer complaint received 2016-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (WI)

Credit Management, L.P. of XXXX, TX XXXX Is attempting to collect {$220.00} on the behalf of XXXX XXXX XXXX when I have not had a XXXX XXXX XXXX account in some 17-18yrs. I check my credit report on a yearly bases and never has such a debt shown up even once. Yet this company is threatening to throw this on my credit reports at a time when credit worthiness is so vastly important to so much we as a society do, home-ownership, purchasing a car, paying for our children 's college education ( in my case ) -even to the point of being hired. The purchasing of debt-old debt in most cases, and illegally re-aging or using as leverage to force those of us desperate to not take the hit to our credit-even temporarily ( for even a XXXXpoint hit for 2-3months-can hurt a person looking to buy a house at that time ) needs to be enforced harder, with bolder penalties. For these are very real lives these companies are toying with. And Credit Management has been caught enough times doing this that they should know better and not be allowed to hide behind the " Ooops! We made a mistake '' excuse, while throwing the affected consumer sideways.
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

We have been working with Wells Fargo for months trying to get a Deed in Lieu of foreclosure recorded with the County of XXXX. The Deed in Lieu was approved in XXXX 2015. As of this date, XXXX XXXX it has not been recorded with the county. When we contacted Wells Fargo in XXXX, they admitted that the Deed in Lieu had not been recorded and it was their fault. They said a Re-executed Grant Deed would be recorded on XXXX XXXX, 2015. That has not happened. When I spoke with the County, they said that they record things as soon as they get them. It is instantaneous. I have had several follow-up calls to Well Fargo in XXXX, and they can not tell me what is going on. They will not provide the name of the attorney who supposedly re-excuted the Grant Deed. Meanwhile, since the house is still in our name we have to keep paying the $ XXXX county utility bills every two months. If we stop paying, they can place a lien on our current home!
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX FCRA Summary of Rights What is the Fair Credit Reporting Act? 



The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Enacted in XXXX and substantially amended in the late XXXX and again in XXXX, the FCRA, among other things, restricts who has access to your sensitive credit information and how that information can be used. 


Summary of Rights The FCRA is a complex piece of legislation and contains numerous provisions not discussed on this page. Below are several important features of how the FCRA is designed to help consumers ( for the complete text, visit the Federal Trade Commission ). The FCRA protects you by requiring consumer reporting agencies : Disclose your credit file to you upon request. Consumer reporting agencies must provide you the information in your file if you request it and provide the agency with proper identification. See " How do I get a free report? " for more information. 

Limit access to your information. A consumer reporting agency may not provide your credit report to any party that lacks a permissible purpose, such as the evaluation of an application for a loan, credit, service, or employment. Permissible purposes also include several business and legal uses. See " Who can access my Equifax credit file? '' for more information. 

Get your consent before providing your information to an employer. A consumer reporting agency may not provide your credit information to an employer or potential employer unless you first give that employer written permission to request your credit report. 

Investigate disputed information. If you tell a consumer reporting agency that your file contains inaccurate information, the agency must promptly investigate the matter with the source that provided the information. If the investigation fails to resolve the dispute, you may add a statement to your credit file explaining the matter. For more information, see Correcting Errors in Your Report. 

Correct or delete inaccurate information. A consumer reporting agency must correct or, as the case may be, delete from your credit file the information that is found to be inaccurate or can no longer be verified. The consumer reporting agency is not required to remove accurate data from your file unless it is outdated THIS IS FROM THE EQUIFAX PAGE AND YET THEY WILL NOT INVESTIGATE MY INQUIRIES AND DELETE THEM DO NOT USE THE XXXX system give this call to a supervisor TO REMOVE THE INQUIRES PER THE FCRA SHOW HOW THE INVESTIGATION WAS DONE DO NOT PLACE A FRUAD ALERT ON MY CREDIT PROFILE!!!!!!!! 
DELETE XXXX DELETE XXXX DELETE XXXX XXXX DELETE XXXX THEY DOD NOT KNOW WHO I AM AND HAVE NOTHING TO SHOW I APPLIED FOR CREDIT. I DID N OT APPLY FOR CREDIT!!!! 
EQUIFAX GAVE THEM ACCES TO MY CREDIT NOT ME!!!!!!
Consumer complaint received 2016-02-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (GA)

Regions bank is finding ways to rob consumers of their funds. I had {$46.00} in the bank when XXXX charges came through for {$39.00} & {$6.00}. There was enough funds to cover XXXX of the charges, but they charged me nsf fees of {$36.00} each for both charges. This is bank robbery but Regions Bank is the one doing it. They are finding creative ways to steal from their customers XXXX/XXXX/2016 FEE MONTHLY FEE {$8.00} - {$82.00} XXXX/XXXX/2016 OD FEE PAID OVERDRAFT ITEM FEE {$36.00} - {$74.00} XXXX/XXXX/2016 DEBIT PAPER STATEMENT FEE {$2.00} - {$38.00} XXXX/XXXX/2016 CARD XXXX XXXX {$39.00} - {$36.00} XXXX/XXXX/2016 OD FEE PAID OVERDRAFT ITEM FEE {$36.00} {$3.00} XXXX/XXXX/2016 CARD XXXX XXXX {$6.00} {$39.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX {$11.00} {$46.00} XXXX/XXXX/2016 DEBIT LOAD TO CRD # XXXX {$5.00} {$34.00} XXXX/XXXX/2016 CARD XXXX XXXX {$36.00} {$39.00} XXXX/XXXX/2016 DEPOSIT DEPOSIT {$63.00} {$75.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX {$7.00} {$12.00}
Consumer complaint received 2016-02-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo removed {$3000.00} from my XXXX XXXX account on XXXX/XXXX/2016, unauthorized. I had a payment set up for this amount, but called them on XXXX/XXXX/2016 to change the payment to the amount of {$490.00}. When I called them and told them I had cancelled the payment of {$3000.00} and needed the funds back, they acknowledged it was their mistake and that they payment should have been cancelled, they did n't know what had gone wrong. The next morning, XXXX/XXXX/2016, I had a conference call with Wells Fargo and XXXX XXXX to see if the charges ( there were multiple ) would clear or be returned. Upon figuring out which ones would clear and which would be returned, Wells Fargo said they would refund me $ XXXX which is the amount that cleared my account and covered the XXXX overdraft charges I incurred because of the overdraft of my checking account. Wells Fargo said they would credit the {$870.00} back to my checking account. As of today, XXXX/XXXX/2016, my account is still negative {$770.00}. When I called this morning, the woman I 've been talking to informed me that the funds would be back in today. When I told her this entire process was absolutely unacceptable, seeing as I have been unable to use my checking account for six days, i.e. purchase groceries for six days, she told me that she was sorry, but they were doing me a favor because their usual process of returning funds is via paper check that can take up to 21 days. I do not understand how it is legal for them to remove funds from my account that I did not authorize, acknowledge their mistake, and then have it take this long for them to return the funds without offering me any kind of compensation. I attended the University of XXXX XXXX in XXXX XXXX, MN.
Consumer complaint received 2016-02-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

I paid off my home equity loan with Green Tree in XXXX of 2013 based on the payoff amount indicated at the time. Ditech sent me a bill yesterday for {$2.00}. When I checked my credit report, it appeared that the charge was made up recently as I was never sent a bill before now. Their rep said that the charge was for interest even though I paid the loan back in full. Now my credit is going to be negatively affected over a charge they ca n't even justify. XXXX, their rep, claimed I was charged because I did n't close the account. I have always paid my bills on time and am devastated that they would harm my credit without even contacting me first.
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen purchased my loan and attempted to shorten my contractual grace period from 15 days to 10 days until I sent them a copy of the mortgage document. Every single month Ocwen asks me to register my computer, which their website ca n't seem to store. When I attempted to pay last month 's payment online through their website, I was forced to verify my email. My email has not changed in over 10 years, since before the intitation of this loan. When I attempted to complete the transaction, I received an error message including 'please try again later ' This went on until I could no longer pay through the website within the grace period. I initiated a bank payment, which I am fully aware is transmitted within 24 hours, yet Ocwen did not credit it as received until the grace period expired. I am sick of their fraudulent activities in attempting to violate grace periods and extort undue payments from consumers by manipulating the website code. There are XXXX 's of online complaints about their practices!
Consumer complaint received 2016-02-09
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (OH)

I had purchased a car from XXXX XXXX ( XXXX, OH ) in late XXXX and was provided a loan with Santander Consumer XXXX. The salesman 's name is XXXX XXXX. The car blew its engine 45 days later and XXXX XXXX refused to pay for the repair. It cost me {$2500.00} to repair the engine. 

I continued with the loan and had to defer the loan for 2-3 months due to job loss / unemployment. From this point, as I tried catch up on my loan, Santander counted the payments towards the interest accrued and did not reduce the principal. this persisted for a few months and I eventually told them to pick up the car and I am unable to make the payments. They sold the car, unknown price to me and have me owing $ XXXX remaining balance. All in all, the XXXX - 4 Yrs. of payments never reduced my principal. They do n't provide any documentation and had accelerated harassing calls. 

This company does unethical business and offers predatory loans where the principal is never reduced, initiate collections / repossession efforts and stiff the customer with unknown amounts of money and do n't provide the reasoning on how they arrived at the loan. 

In the end, I am stuck with a XXXX XXXX responsible for the Income to be filed in XXXX with the XXXX. I do n't think this is very fair and Santander should be held accountable.
Consumer complaint received 2016-02-09
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc. (MI)

I purchased a XXXX Chevrolet Silverado from XXXX XXXX XXXX in XXXX, OH on XXXX XXXX, XXXX. I recently pulled my credit report and I am shocked to see multiple hard inquiries that I did not authorize.
Consumer complaint received 2016-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Progressive Financial Services, Inc. (LA)

This account was cleared & verified by XXXX that the charge is an error. XXXX sent them info that the balance has been cleared. They are still in pursuit of money I DO NOT owe!
Consumer complaint received 2016-02-09
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (PA)

My statement was generated on XXXX XXXX, 2016 ; the payment was due on XXXX/XXXX/2016. I made a payment of {$1000.00} on XXXX XXXX, 2016 which I asked them to apply to my promotional balances as I had no standard purchases. I made the assumption that this payment amount would automatically include minimum payment since the payment totalled {$1000.00}. Today I checked my bill and the bank has charged me a late fee of {$25.00}, claiming I still had a minimum payment due of {$25.00}.
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

It seems like with every correspondence from Bank of America a new angle to XXXX consumers is revealed. In my latest correspondence and this has nothing to do with any of the other complaints so BOA can not state that this has already been addressed ... With this latest correspondence they state I owe them money but at the same time have placed {$700.00} in a 'unapplied funds ' account. You know what this means? It means they have taken and are holding, and using, and profiting from the use of my money. There is no reason in the world why they would or should not apply that money to my account except again, it 's a way to XXXX the consumer. They can state their logic but there is none and actually this is n't first time. A couple times they held money to later issue a check but without any interest to me. In fact when asked, they refused to apply the money to principle. The last time I checked, BOA or any bank does n't let you use their money without paying them interest and usually some fees so why do n't they pay consumers interest or better yet, apply extra funds towards principle on a loan but oh yeah, that means they make pennies less on the loan in the long run and that goes against everything modern day banking stands for!