davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NV)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2016-04-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Cornerstone Home Lending Inc. (TX)

I received an escrow disclosure statement from my mortgage company, Cornerstone Lending, letting me know that my escrow account is in arrears by {$8000.00}, giving me XXXX options to resolve the issue, 1 is to pay the {$8000.00} in full or spread over 12 months thus making my new monthly payment {$2700.00} beginning XXXX/XXXX/16. This is the first time I 've heard of my escrow shortage and I have less than a month to start paying this new amount since I do n't have $ XXXX I can just pay in 1 lump sum. I do n't have the ability to make a XXXX dollar payment for the next 12 months either. Talk about payment shock! I 've tried to communicate with the mortgage company to come to a solution to this but have n't had any luck. They have not given me any other options. I am afraid I will lose my home since I am not able to pay what/how they want me to pay. I am a single mom & only have XXXX income. I am already just barely making ends meet. I feel I was not made aware of what my true obligations would be when my loan originated, I feel it was so that I 'd be able to qualify to get the loan. I am at a loss and do n't know what else to do to resolve this issue. I am being set up for failure right from the start with the XXXX options they have given me.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

Hello- I graduate XXXX with {$150000.00} in student loan debt in XXXX. {$110000.00} of that in federal student loan debt. I went straight to work for a non-profit hospital. I have worked at a non-profit hospital since my graduation 6 years ago. In XXXX I called Navient to look into the Public Service Forgiveness program, but was told because I was a XXXX and make good money I did not qualify. Many pharmacists that I work with were told the same thing. I had my federal loans go into forbarence because the $ XXXX payment was too much for a single girl living alone in a city to afford. Not until 2 years later did it come to my attention that the Navient representative in XXXX gave me bad information. I have now completed the paperwork for the Public Service Forgiveness program ; however despite having my employer sign the paperwork, the agency asked for my XXXX for review. I still have not been accepted into the program. I should have been given information on this program YEARS ago. I should be easily accepted now. But neither of these things are true. I believe Navient is to blame. To me they owe me 6 years of student debt forgiveness for steering me away from programs that could have helped me out of debt. This debt is a burden that means I have not gotten married, bought a house, or started a family because between myself and my partner, we owe {$300000.00} in student loans in our XXXX 's. Please help.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I was on an income based repayment plan for XXXX consolidated student loans. I was on auto payment deducted from my checking account monthly with a payment of {$600.00}. I was told by XXXX XXXX and Navient that I was eligible for the Public Servant loan forgiveness program and that after XXXX on time payments I could request forgiveness for the balance remaining. A friend told me I really should contact the program directly to make sure. Unfortunately I contacted the program and they said if I transferred the loans to them they would track payments annually. Once the loans were transferred they infirmed me that XXXX payments made on XXXX of the XXXX loans would not count because they were not on a qualifying payment plan. I do not understand how i could have XXXX loans consolidated to one payment yet those loans could be on seperate repayment plans. I also dont understand why I would be penalized for paying more money towards my loans than I would have paid had my accounts been properly set up. I relied first on XXXX XXXX and then on Navient to help me tbeough the repayment process. They set my accounts up incorrectly and because of their mistake I am having to make XXXX additional payments before I can apply for forgiveness.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.
Consumer complaint received 2017-01-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc. (IN)

At XXXX XXXX on XXXX XXXX, 2017, there was violent pounding on my front door, repetitive ringing of my door bell, and flashlights shining in all my windows. I called XXXX. When the police arrived, they announced a gentleman was looking for a XXXX XXXX. Turns out, the recovery agent at my door was looking for my former spouse. I was NEVER on his loan, NEVER on the vehicle title, NEVER a co-signer, etc. I did not live at my current address when my ex opened the loan, so it 's unclear how the lender obtained my address. The recovery agent told me, and the police that I was on the loan. I advised I was not. I asked for proof that I was on the loan, and he would not provide it, because of course, there was nothing to provide. The recovery agent threatened return with the sheriff. Once normal business hours rolled around, I called the lender and advised them that their agent violated the Fair Debt Collection Practices Act, as well as threatened me. I also wanted to confirm I was not fraudulently added to the loan. By giving my ex-husband 's information, they could confirm I was not on the loan, and did say they would enter a cease and desist order for me and my property. The lender did have my name and address. I was NEVER listed a reference on my ex 's auto loan. Lender advised they got my information through a skip-trace service.
Consumer complaint received 2017-01-20
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP (IN)

My wife and I applied for a home equity loan at USBANK and the process started off with the standard disclosures. The process seemed to start off fine with what was requested, but after a while the online secured portal system was not very clear. I was transferred to a couple different processors and main items were request multiple times. I was told thru the process my financials look fine and the appraisal was order on our home. Overall this process has taken 48 days and now they are declining our loan based on my income. My income according to another financial institution is fine and I will be closing a HELOC with that Bank which only took 10 days to process the application and are ready to close. I feel USBANK wasted our time and negatively impacted our credit score by pulling our credit with no commitment to see our application to the finish line. I have all the various email correspondence and screen shots of the application portal. US Bank has yet to return my phone calls and go over the underwriting which they have incorrect. I requested specific reasoning and they have yet to share it with me and my wife in detail. I am also trying to download my disclosure from the application portal, but they have limited the access for me to view.
Consumer complaint received 2017-01-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (MO)

My fiance and I both have our own personal checking accounts with US Bank. They have extremely malicious overdraft fee policies, and terrible communication regarding this ( close to none ). If I overdraft I get charged instantly {$36.00}, but I would not receive notice for about 7 days ( letter in the mail ). Their policy also adds a {$25.00} additional fee if your account balance is not {$0.00} or greater after 7 days. Well, if I do n't receive notice of the fee for 7-days and only by mail, one of the least efficient ways to get information to someone, how am I supposed to know to pay it? So technically I get charged {$61.00} for any size overdraft. 

In today 's world nearly every business ( if not literally every business ) communicates instantly with their customers and already have this capability in place. US Bank has this capability in place. They have paperless statements, they have opt-in email capabilities, they have opt-in text messaging alerts/email alerts, YET they deliver notice of an overdraft by physical mail that does not reach my mailbox until 7-days after I overdraft. Mind you, this letter that is being mailed comes from XXXX miles down the road and it takes 7-days? What I mean by this, is that the letter is definitely pre-dated for the overdraft date in question, and is mailed out as though they sent it the day the overdraft fee occurred, FALSE. It does not take 7-days to receive a letter from XXXX miles away using USPS, I receive letters, cards, and physical packages from this very location all the time, using standard shipping options. 

I understand that a fee is just that a fee and that they can charge what they want for my irresponsibility, but what is that fee set at and why? Let 's say they would have made 10 % through loans, interest, investments, whatever it is that banks are thought to be doing to make money, lets say they could have made 10 %. I would have to overdraft {$610.00} at once for this policy to actually start being fair. I would say a lot of consumer accounts rarely exceed {$610.00} in total balance. 

My point is : Their practices are intentionally set up to make money from consumers through fees, NOT through issuing loans, etc. They realize they make more money if they purposely lack communication. They forgo using systems already in place that many other banks issuing credit cards currently use, INCLUDING THEM. Most would say, " Switch banks then. '' Alright I will, but US Bank is an extremely prevalent bank with a branch in nearly every US city, they have something that very few banks have. This gives consumers at least a reason to always look to US Bank as an option, especially small town adolescents turning into adults. US Bank will always exist along with their preying fee policies, and neglect to communicate with their customers, simply because of their stranglehold on a certain segment of the market. It is simply not right.
Consumer complaint received 2016-06-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

Nissan Motor Acceptance Corporation was informed via certified mail on XXXX/XXXX/15 that our contact information was at our home address, telephone number and email. NMAC has harassed our parents, which was not authorized as a contact point. NMAC has been instructed no contact at our place of employment and to stop contacting our parents. NMAC continues to contact our parents. We are asking CFPB to enforce the no contact to our parents about our business relationship.
Consumer complaint received 2016-06-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC (CA)

Receiving multiple calls from BMW Financial regarding a payment that has not reached 30 days and have never been 30 days. On XX/XX/2016 they called my personal number at least 5 times. They called about 2 times did not leave a message. Then they call again and leave a message. Then they call back again and I pick up and they disconnect the call. I get upset and call them back regarding the multiple calls and they disconnect my call. Then I called BMW Financial back. Finally spoke with an agent in collections and told him that I plan on paying the bill on XX/XX/2016 and to stop calling my personal number so many times a day. He said that he would update the account regarding the payment and would stop the calls. About 10 minutes later they call me again to talk about the payment I owe. 

I am at work and when these calls are being made. I am extremely disappointed with BMW Financial and their collections department should be more trained on how many calls they can make a day. After they left a message for me they should have waited until the next day to call again. 

They have previously called multiple times per day prior to this incident but XX/XX/2016 was extremely excessive especially when they left a voicemail and then made contact with them. I can access phone records if needed.
Consumer complaint received 2017-01-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I had attended XXXX and was forced to take out the XXXX loan to attend school. I had to take out a {$22000.00} loan with a 14.9 % interest rate and had to make {$400.00} payments while I attended school. I was enrolled from XX/XX/XXXX to XX/XX/XXXX. I was told by a few of my former classmates that they had received a reduction in their balance. I was curious what the criteria was to receive the reduction?
Consumer complaint received 2016-11-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CO)

I have a modified home loan with Wells Fargo and have a lot of equity in my home. I tried to refinance and use the equity to include about XXXX in other debt thus reducing my payments and interest but W F said no without even considering my case. I went to XXXX XXXX XXXX XXXX who holds some of the XXXX and they said sure they could refinance all of it but after seeing my income they said no. I am the sole income due to my wife 's chronic health issues and we have never been late or missed a payment in 12 years. I built the house myself to save money, but the bank would rather see me lose the home than give me any break on interest since they own most of the different loans I hold and they are raking in the easy money from my hard work.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (SC)

I have been paying on my school loan consistently since XXXX. It originally was about XXXX with the first dispursment beginning in XXXX and today I still owe XXXX. It says my loans will not be paid off til XXXX if I pay {$220.00} a month. I do n't understand! Most of my payments were {$200.00} or more and some times the entire amount would go toward interest or fees. In XXXX, they forced my mom, sinced she cosigned, to pay {$510.00} a month when she was unable because she was going through treatment for a sickness. After I had already been paying {$220.00} a month. After 2 months I was able to get her out of that. Navient has also drafted money from my account before and it did not go toward my account. It I went back and forth with them for about 6 months and still never received my money back and it did not go toward my account. They said they did not take any payment so I sent them my bank statement 3 times and every time they said they never received it. I was never reimbursed. My account online does not match to what they say when I call. They have pushed me to forbearances for just one month behind and now I have none left for a time that I really need it. My mom cosigned the loans. In XXXX, she was trying to buy a house. Upon looking at her credit, Navient was on her credit for {$1000.00}. She paid it just to get it off her credit. Where did that money go? There are no transactions on my account anywhere. When I try to call for anything they are very rude and nasty especially when they are in the wrong they get defensive. I feel like my money is being taken and I am being taken advantage of because I have no other options available.
Consumer complaint received 2017-01-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

XXXX issued a gap insurance refund to Santander Bank in XX/XX/XXXX fro an auto loan. Santander was to re-issue the refund to me. I called on XX/XX/2016 to inquire since it had been 3 months and was told the check was mailed. I called on XX/XX/XXXX to inquire because I still have not received the refund. Santander now says XXXX was to issue the refund ( XXXX ). I called XXXX on XX/XX/XXXX but they have no record of a refund. I called Santander back, as directed by XXXX, to inform them of this and was told there is no record of a refund in the amount of {$520.00}, but on XX/XX/2016 there was and I have a photocopy of the check XXXX sent.
Consumer complaint received 2017-01-21
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (IL)

I have a credit balance on my credit card. I contacted USBANK both by email and by phone and requested that the bank to send me a check for that balance but they refuse to issue the check. They say they are " researching '' it! The money has been in my account for 10 days and I requested it on XX/XX/XXXX by email and phoned the bank on XX/XX/XXXX.
Consumer complaint received 2017-01-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: DISCOVER BANK (IL)

I sent a letter to DISCOVER FIN SVCS LLC letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and DISCOVER FIN SVCS LLC refuses to delete the fraudulent accounts from my credit report stating in a letter it 's verified. DISCOVER FIN SVCS LLC provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Consumer complaint received 2017-01-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (FL)

I am a XXXX, service connected, and I have submitted both a letter and statements from the XXXX County Property Appraiser office indicating that the taxable value for my home is {$0.00} and the customer service representatives, to include a supervisor name XXXX, has stated that these documents are insufficient. Based on their non-acceptance of these documents, which according to the XXXX County Property Appraiser ( XXXX ) are the only documents they can provide. The XXXX says they can not provide an official tax statement prior to the end of the tax year and Dovenmuehle Mortgage Inc is demanding one now in order to adjust my escrow to reveal a {$0.00} amount for property taxes, instead they have raised the amount of taxes to be paid for 2017 which is WRONG. I do n't know if this is an issue because the mortgage company is outside of FL or not ; but according to XXXX these documents have always been sufficien.
Consumer complaint received 2017-07-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (CA)

I received a copy of my credit report from XXXX, XXXX and XXXX and noticed a collection account reporting against my SSN from AWA Collections. Prior to me obtaining a copy of my credit reports, I had no knowledge of this account or alleged debt. I have requested validation multiple times from the credit reporting agencies regarding this account and have only been told it 's " verified '' with no supporting documents. I have also contacted AWA Collections multiple times, the last being on X/X/2017,  for validation of this debt and have yet to receive anything. I have no contract or agreement with this company and have never received any goods or services. I have a right to have information validated that is contained on my credit report or it needs to be promptly deleted. I have not received a copy of a signed contract or any other verification from AWA Collections.
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (UT)

I started to do a Loan Modification through that Obama home modification process. I went straight to my Mortgage company because I never really had a problem with them in the past to do this. They lied to me about the program saying, " We ca n't do a modification on your home because your not late on any payments ''. So they put me into what they call is a forbearance program for 4 months. They set my payments lower than what I was paying and we setup an auto pay with the bank for it. At the end of the 4 months they told me, " that they wanted to do another forbearance because our financial situation has not changed. '' and we were still awaiting a judges ruling on something unrelated to this. I told them No I am not doing another forbearance and to do the Modification we talked about. The Mortgage Company has misled me through the whole process. They could have said NO at the beginning of the process instead of putting me into a lot of stress but instead tried stealing my property by making my mortgage payments in default. I tried to make a regular payment plus extra to start paying back what was delinquent from their doing. They sent part of the money back and said we do n't take partial payments. I have NO idea what they did with the part they kept and I need to find out. When they did this I called XXXX and paid the lump sum, I had borrow from a friend '', to bring the loan current during that month. I called XXXX so there would be proof that this was done. I have Homeowners insurance through Acuity because the last XXXX canceled my policy for stupid stuff and did n't want to let me finish my work. I am XXXX and last year found out that I have only a few more to live because there is no cure for what I have. I still need to know what they have done with the money they kept and why the extra money I sent in was not applied to my escrow account as marked on the back of payment?