davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

We purchased a car from XXXX of XXXX and financed it through Bank of America. After 45 days we had not received any info on the loan. We called Bank of America and discovered they were sending all our info to our old address that we have not been in for over 2 years and is in a different state. When we told them, they said it was our fault for giving the wrong address, which we did not. Then they blamed XXXX of XXXX. After calling XXXX of XXXX we confirmed that our loan application never listed our previous address. This is Bank of America not taking responsibility for their mistake. Their resolution was to send all the info to the right address but they would not extend our due date. They would not overnight it or email it so I could take care of it quicker. Then at the end of the call when she was going to give me the confirmation #, we were disconnected and she did not call back.
Consumer complaint received 2016-11-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC (TX)

1. Merchant, XXXX XXXX XXXX XXXX, drew a final payment for a construction project from my credit account without my authorization and in violation of the terms of our contract. They bypassed me and had my wife sign an incomplete authorization form without my knowledge ; 2. Lending broker, Greensky XXXX, who insists they are not the actual lender, did not request or verify my authorization before disbursing funds to the merchant even though they specify that XXXX rules and terms apply ; 3. Third party lender, XXXX, has this loan listed on my credit bureau reports yet they do not acknowledge any existing account open in my name or any customer relationship between us ; I am working with an attorney to pursue the matter in civil court.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (SC)

This is the 2nd complaint that I am submitting against this company. I received a message from my lifelock acct that Exeter Finance has placed a late payment for the month of XX/XX/XXXX on my credit report. I have never been late with making any payment to this account. I have issues with the company ever since the total loss of this car XX/XX/XXXX. ( you can reference my previous complaint that was filed about two weeks ago ). <P/>This letter is in regards to the late payment that Exeter Finance is showing for XX/XX/XXXX. I have never been late paying my car loan with Exeter and I have the documentation attached to support this error. On XX/XX/XXXX, I totaled loss my XXXX XXXX XXXX. I had full coverage with XXXX XXXX as well as GAP coverage with XXXX XXXX. My insurance company sent in a payment to Exeter for the amount of {$13000.00} ( which is the amount they stated the car was worth ). This payment was received by Exeter the end of XX/XX/XXXX. My XX/XX/XXXX payment was due on XX/XX/XXXX I was advised that even though they received a payment from my insurance company I would still need to make an XX/XX/XXXXpayment. On XX/XX/XXXX I made that XX/XX/XXXX payment. After I made that payment, XXXX XXXX them sent another check in the amount of {$690.00} ( see attached ). My GAP company then submitted another payment for the remaining balance of {$3200.00} on XX/XX/XXXX and it was received by Exeter on XX/XX/XXXX. Exeter did not apply that payment until XX/XX/XXXX after I had to file a compliant and escalate this matter to the Office of the President for Exeter. They stated that because of all the payments that have come in, they need to remove the payment I made on XX/XX/XXXX, the payment that XXXX XXXX send for {$690.00}, and the GAP payment of {$3200.00} because they needed to apply the GAP payment first because they could not charge interest on that payment. This has been a nightmare dealing with Exeter. I received an overage payment from Exeter on XX/XX/XXXX in the amount of {$1100.00} for an overage. Not one time have I reached a 30 day late mark with Exeter and the paperwork attached is here to prove my case. This is only reporting on my XXXX  credit report and it has cause my credit score for XXXX to decrease by over 50 points all because of their horrible computer system and their negligence. My credit score need to have the 50 points added back and that negative late payment removed ASAP. Thanks, XXXX XXXX
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Creditor Name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX and Experian have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by XXXX XXXX XXXX  and Experian. Experian and XXXX XXXX XXXX have been and are reporting my account as managed by credit counseling program which is not true. Recently they added the comment Credit line suspended collateral depreciation which is not true. I sent certified mail and provided the evidence ( the termination letter from the credit counseling agency ) to both Experian and XXXX XXXX XXXX that this account was a regular account and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proof from XXXX XXXX XXXX or Experian of their inaccurate information reporting and I didnt receive it from both of them. Since neither XXXX XXXX XXXX nor Experian have a verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the account mentioned above should be deleted immediately. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (FL)

i contacted a phone number because i wanted to get the first time home buyer grant they told me to call another number i did and they asked me for my id and ssn after that i received an email saying that they approved me for a home loan but nothing about the first time home buyer program they checked my credit score and my wife credit score without our authorization we are allready qualified with a lender i dont understand why this people pulled my credit if we didnt ask for the we wanted to get the grant for the money for first time home buyer they lie to us so i want to make a complaint if you can contact me in XXXX will be great
Consumer complaint received 2016-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Merchants and Medical Credit Corporation, Inc. (CA)

I have been repeatedly contacted at work by Merchants and Medial Credit Corporation XXXX XXXX XXXX, XXXX MI XXXX about unpaid tuition fees, after receiving a notice in the mail 1 week ago. I am unable to take personal calls at work. They have threatened that they will continue to call me at my place of work until I 'm able to come to terms. I live in a different time zone from them and have a hard time connecting to them outside of work and plan to communicate with them on a Saturday when I do not work. I think that this is harassment. I have asked that they not contact me and that I will call them on Saturday, as I said I just received the collection notice on Monday. Additionally the person that called me was very rude and aggressive. They would not listen to me when I was asking them to stop calling me at work and that I would call them back. He said if I did n't pay something right then that he would just keep calling. I explained that it is impossible for me to pay as I do not have any money and he still would n't stop.
Consumer complaint received 2017-01-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NY)

I purchased a vehicle from XXXX XXXX in XXXX XXXX XXXX, XXXX, New York in XXXX of 2015. The vehicle was financed by Santander Consumer USA. Neither the dealer nor the bank informed me of the terms of the loan. I later found out that the interest rate was exceptionally high at 21 percent. Since I bought the car I have paid over {$20.00}, XXXX and still owe at least {$26000.00}. I have requested a lower interest rate from the bank. I have even asked the dealer to take the vehicle back in a trade, but they all refused because " the vehicle is overpriced '' they state.
Consumer complaint received 2017-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/17, I transferred money from my amex reserve savings to my main account to pay two utility bills. Once I transferred the money, I noticed when I tried to make payment it declined. So I logged back into my account to make sure I had transferred the correct amount and I saw three XXXX charges totalling XXXX from store # XXXX XXXX XXXX XXXX in New Mexico. I live in North Carolina and I have n't been to XXXX in weeks. I was upset because this has never happened to me. I call the number on the back of card, the first associate does n't even truly listen to my complaint she just says that there is nothing she can do I would have to wait till 3 days for it to clear. I asked to speak with a manager cause it was obvious she did n't even take the time to understand my complaint so when the manager gets on the line. I pretty much get the same spill but was livid after I explained to her that there is no way I could have made those charges and I need my money credited back, she tells me based on your transaction history this could have been something you done. I began to cry and scream at that moment because that was rude. My transactions history had nothing to do with fraudulent activity so then she says let me research it cause the fraud team wo n't open up till XXXX Eastern time. So after she reviews my transactions she ask where I live and I told her and she says that it looks like these transactions were made at the store in NM and this is fraud. So that morning I call the fraud line wanting to understand how this could have happened. To be told that it 's still pending watch my account to see if it clears or not if it does then call back and they will do an investigation and it could take 7 to 10 business days. They did not reverse charges clearly seeing that there was no way that I could have made those purchases. There were three that came through at the same time and it was obvious fraud. She told me to call the store and see if they can look into it and block the charges from coming off. To my understanding that is what they are supposed to do. I had no success with getting anyone to assist from XXXX accounting department to help and it 's frustrating as this was my utility bill money. They do n't care cause it 's not them. All she could offer to do was send me another card. Why would I want to continue to do service with a company who does n't even protect my money from fraud?? I am disgusted, upset and have no faith in using my debit card with them or anyone else for fear that I wo n't get the help I need.
Consumer complaint received 2017-01-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CDI Affiliated Services, Inc. (ID)

Items noted in collections with CBP Affiliated services were never corresponded to myself prior to collections. No contract was made with said company, no billing statements or notices were ever received by reported creditor. No balance or amount owed was ever provided by the creditor. No communication attempts were made by the creditor. I can not acknowledge or verify the validity of any portion of any collection attempting to be obtained by the creditor.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CT)

Account/Loan number XXXX Information about the company Indymac Mortgage Services i have filed a case already but since XX/XX/2016 there is still no response to the complain. 
they have given fraudulent paper regarding ownership of the mortgage. how can there be 2 owners? next the mortgage was in a ny trust and the trust laws where violated and broken! never filed correctly! these are also sec violation and also have irs violations. how can they even be selling my mortgage in a trust that has been paid out on by insurance? double dipping? insurance fraud! these are jusrt a few if the issues and they are trying to foreclose. 

next is the fact i received a satisfaction of mortgage from them? not they are not honoring that? i had received letter telling me this would happen but nothing happened till i told their 1st esq about it and showed them the fraud they were complicit in with the sec fraud and ny trust law fraud. 

next they want me to sign modification paper on # that make no sense! fees added for things again are fraudulent. all the reports have not been received by me but charged out to me. they used unlicensed people to do BPO reports. This is a $ 23-25,000.00 fine for each occurrence. i have 100 's of these. also still have not sent me all the report etc ... ..that they are charging me for! how can they want me to pay for this stuff and the accounting which is totally wrong. it is not my fault they take years to do this and cant get info together yet want to keep charging. 

federal fair trade commission says they have 30 days to get back to me? it is XXXX!!!!! not a letter from them about this etc ... except they now will not do a modification. again how can you do a modification if you cant get doc 's and charges together? there is no correct total then how can you even start a modification? again cart before the horse. 

there is just one thing after another here! they have put me out of business with lies and caused so much XXXX i ca n't even go into it. 

all the paper work was attached to the case still open.
Consumer complaint received 2016-04-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My husband and I applied for a Short Sale of our home XXXX several months ago because my husband received a job transfer XXXX with the same company he has been with for 13 years. Our home appraised for {$180000.00}, we owe approximately {$230000.00} on the mortgage. We received initial approval from our mortgage company, Bank of America to sell the home and we have a buyer ( offer was submitted to BoA on XXXX XXXX, 2016 ). We have a real estate agent and a real estate attorney working on the short sale with us. After some back and forth with BoA to negotiate closing costs, the real estate agents commission, etc we received a final approval of the short sale on XXXX XXXX, 2016. Upon reading through the documents sent by BOA, we noticed that a condition if closing on the short sale was that we are REQUIRED to be XXXX or more days delinquent on our mortgage, which we are Not. Our XXXX agent stated that the HUD/ FHFA issued new guidelines within the past few years stating that if you meet the defined hardships you do nit need to be delinquent on the mortgage. We meet the requirement for a job transfer more than XXXX miles away. ( This was already accepted by BoA. ) We have attempted to speak with multiple BoA representatives explaining the HUD guidelines in full, we either receive no call back or have been told they can not change the requirements. We have requested review of our case, Bank of America it would appear, refuses to adhere to the federal guidelines, instead continuing to tell us that we must be 30 days delinquent. Our short sale approval from BoA expires XXXX XXXX, 2016, we Must relocate asap. We also mist move XXXX by the end of XXXX. 
Please consider helping us in this matter, we have good credit and have worked very hard to maintain our mortgage.
Consumer complaint received 2016-07-08
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

Hello My name is XXXX, Back on XXXX XXXX, 2014, I closed a credit card account with XXXX XXXX Bank. Before closing my account I made sure I paid off my balance of only XXXX $ which was the amount I was credited for. After closing my account, I know see that 2 years later I have a debt of {$600.00} that is sent to collections. When I call the credit card company, there 's not XXXX person from the company who willing to help or speak proper XXXX. I 've called multiple time through the span of 2 weeks, and I would like to know why I have a balance of {$600.00} that I will not pay unless I get some explanations. I have proof of my payments.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-11-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX, 2016, I deposited via ATM a Cashier 's Check from a local bank to my Bank of America checking account. I received a receipt allowing immediate access to {$200.00} and the balance held pending posting of the deposit. I then paid expenses within the limit from the checking account. Those payments were honored by the bank. Much later that evening, BOA then placed a hold on the entire amount of the Cashier 's Check for 10 days, thus reversing the honored items and charging overdraft fees. As required by their policy, they gave no notice of doing so until XXXX on XXXX XXXX, 2016. The bank was closed on XXXX/XXXX/16. I went to the nearest branch on the morning of XX/XX/2016 and met with a banking officer to be told they may have felt the " Cashier 's Check '' may have been dishonored by the issuing bank. There was nothing they could do until he could call the issuing bank to confirm they will honor the " Cashier 's Check ''. Then on XXXX XXXX, 2016 at XXXX I received an e-mail from BOA providing a link to their notice of a hold being placed on the entire amount of the " Cashier 's Check ''. That link connected to a letter dated XXXX XXXX, 2016 to me the reason for the hold, " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' My account remains " overdrawn '' and no funds available to me for medical and living expense. My wife and I, both over XXXX, exist on our Social Security payments and BOA has inflicted severe stress upon us.
Consumer complaint received 2017-06-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My issue is related to the credit  or   XXXX   XXXX  l.
I have notified   XXXX   XXXX   in writing and also by disputing on my credit report a claim that is not accurate. I have n't ever had a mortgage as reported by   XXXX   XXXX  .
I 've disputed this with them over the phone with minimal results. I 've asked for a copy of the contract bearing my signature or any documention proving my knowledge of account without any results. I 've asked for verification of the alleged debt and   XXXX   XXXX   has n't provided me with anything. Please help!
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (FL)

RESPONDENT, you, your company NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM! HAS FAILED Violation 1. ) trying to collect a charge off you dont have legal rights too.

2. ) Furnishing deceptive forms.

3. ) False and misleading representation Collection of extensions of credit by extortionate.

4. ) Aggravated identity theft.

5. ) Sharing non-public personal information.

6. ) Willful noncompliance.

7. ) I would like to see the bill of sales and any documentation how account transitioned
Consumer complaint received 2017-07-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

On XXXX XXXX 2016 I lost my home to a fire. It was a total loss. My insurance dispersed a large check for the total loss of my home and it was placed into an escrow account at Loancare for the amount of {$350000.00}. At this time im trying to recieve disbursements so I can rebuild. I have recieved 2 small disbersments, one to my contractor for {$11000.00} and the other to the company that prefabs the dwelling for {$29000.00}. The company that is doing the prefab will not ship the materials until 50 % of the bill is paid and 100 % is paid upon delivery. The contractor insists due to the shady practices of my financial institution that a draw schedule be signed by Loancare and it is law to cover intrests involved. This financial Institution is saying that the policy is they will not disperse anymore checks until the first inspection of 50 % completion and that is impossible with the amount that has been dispersed. The amounts that have been dispersed to my contractor will not even cover materials needed to repair my foundation, preperation for the dry in and the labor needed to start the job. It will only cover permits and other minor tasks. I am a XXXX veteran that will be homeless if this matter isnt fixed in a timely manor. I am still making mortgage payments of over {$2000.00} a month on a VA loan.