davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-16
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I signed up for a credit card with usaa. They offered me a secured account of XXXX. On XXXX XXXX XXXX I deposited XXXX and they said after 2 yrs, I would go from secured card to a secured platinum master card account. On XXXX XXXX, XXXX I made a XXXX purchase and on XXXX XXXX they withdrew XXXX annual fee. On XXXX XXXX XXXX I paid XXXX securing my balance back to XXXX. Between XXXX XXXX to XXXX, I questioned a few times why I had problems using my card, and no reflection of my XXXX deposit. Each time I was told my payments were not due until XXXX XXXX, and the XXXX was posting on the XXXX XXXX, XXXX. 
On the XXXX XXXX and XXXX, I made purchases totaling XXXX and expecting to pay them in XXXX XXXX. On XXXX, I looked at my account and FULL PAYMENT was due in 2 DAYS and they changed my account to the platinum master card, only I had to USE it like a DEBIT CARD, which I already have. This not what I signed up for and asked to return or prorate my XXXX which they refused. I closed the account, and would like my XXXX thank you
Consumer complaint received 2015-11-05
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

I applied for a pay day personsal loan XXXX REP XXXX XXXX. ( XXXX ) XXXX I was advised {$230.00} would need to be transferred XXXX I sent the {$230.00} From CVS XXXX. the loan people contacted me and telling me I was all set and funds would be transferred for {$2200.00}. {$2000.00} loan and my intial {$230.00}. XXXX XXXX advised to contact XXXX XXXX bank XXXX to completer the transfer. I called and was advised to send an additonal {$290.00} which was not advised under the terms and conditions with the first rep. So I asked for my refunded amount of {$230.00} and they are not willing to do so as I was advised it was refundable.
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX I made a reservation for a hotel room on XXXX and when I went to check in, they required a huge deposit, which I did not have and was told they could not cancel the reservation but to contact XXXX and ask them to cancel it - which I tried, but was unable to get anyone live on the phone at XXXX. So on XXXX XXXX, I disputed this charge with Capital One and they issued a temporary credit. Then on XXXX XXXX, there was a transaction rebill for that {$74.00} which Capital One stated it was XXXX. The guys at Capital One informed me he would dispute that and make sure it did not appear again, which he did not.
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Ocwen Loan Servicing , Inc. has not provided a corrected XXXX for XX/XX/XXXX. The original XX/XX/XXXX XXXX was received on XX/XX/XXXX containing an incorrect interest paid amount paid in XX/XX/XXXX I notified Owen on XX/XX/XXXX that the XX/XX/XXXX XXXX contained a lower amount then what was paid in XX/XX/XXXX. They said they would correct the interest paid and send out a corrected XXXX for XX/XX/XXXX. I never received it so I have called repeatedly in order to get the corrected XXXX before the XX/XX/XXXX IRS filing date. I also send them a secure email messaging restating the problem. I still have n't received it so I had to file for a tax extension.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (NC)

Residential Credit Solutions XXXX RCS XXXX failed to pay my homeowner 's insurance out of escrow last year. The due date for the insurance premium payment was XXXX/XXXX/14, they did not pay until the end of XXXX. Because of this, for approximately XXXX months last year, I did not have coverage on my residence. I had to go through an insurance reinstatement process after RCS finally paid the premium. The same issue happened this year. The insurance premium was due on XXXX/XXXX/15. As of today XXXX XXXX/XXXX/15 XXXX, the premium has still not been paid even though I pay into escrow for this. I have not had insurance coverage since XXXX/XXXX/15 because of this. Today I had to pay {$370.00} out of pocket to re-instate coverage and also had to sign a Statement of No Loss.
Consumer complaint received 2015-12-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

Hello. i would like to report TD Bank for excessive overdraft fees, I had made one transaction with XXXX on XX/XX/XXXX which came out as XXXX transactions instead of XXXX and another transaction was made with XXXX on XX/XX/XXXXTD took out the XXXX transaction first then took out the XXXX transactionsXXXX .When I made XXXX transaction there was a positive amount in my checking. The XXXX transaction put my account into a negative balance. So because they didnt post transactions chronologically they  charged me XXXX bounced check charges instead of one. TD Bank makes a habit of doing this time and time again. Not the first time they did this. Guess its their way of getting more money out of me. So I got charged XXXX bounced check charges XXXX instead of one. They now really threw me into a negative balance with XXXX taken out instead of XXXX and now everything is bouncing . So the deposit I made to cover what should of been one bounce check charge is not enough to cover my account. This is bad banking practice and a way to steal money from their customers. I am sure they do this to a lot of customers and getting rich doing this.
Consumer complaint received 2015-04-16
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NH)

Dear Sir or Madam, While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by Chase Freedom. I did not authorize anyone employed by this company to make any inquiry and view my credit report. Chase Freedom has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This isa serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system. 
I then asked them to please send me written confirmation that they have complied with my requests and advised them that their failure tocomply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of their willful noncompliance [ XXXX. XXXX ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney feesfor each and every fraudulent inquiry. 
Please do whatever is in your power to ensure that Chase Freedom complies with my requests and to avoid other Consumers fromexperiencing the same kind of abuse of their privacy rights.
Consumer complaint received 2015-09-15
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL (WA)

I got a voice mail from a XXXX XXXX at " XXXX ( sp? ) XXXX XXXX in XXXX threatening me with legal action and that they were sending someone to my house to serve me with legal documents and I need to call the " XXXX XXXX '' at : XXXX with reference number : XXXX. 

I called this number and they said they had a Lawsuit filed for a GE Account ( XXXX XXXX ) and I have to pay them " X '' amount in order to stop this Lawsuit. I explained to them him I am permanently XXXX and am XXXX. 

He did NOT care and was EXTREMELY rude, intimidating and threatening, then he hung up on me! 

This GE/SYNCB, XXXX XXXX account is WAY past the Statue of Limitations. This account was opened on XX/XX/XXXX & was last paid on XX/XX/XXXX. 

The account was opened when I lived in Nevada where the Statue of Limitations is Four Years. It 's OVER Five Years ( close to Six ) past the Statue of Limitations. 

They also called ALL of my Relatives before they called me! 

I sent GE ( now SYNCB ) & the collection company ( XXXX , XXXX ) a Cease & Desist letter several years ago and have not heard from them since. 

I am currently looking into my legal recourse against them.
Consumer complaint received 2015-11-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Slovin & Associates Co., LPA (IL)

XXXX XXXX XXXX has filed a law suit to collect on a debt that is not accurate. Since the date of supposed missed payment, my father, and has paid the amount XXXX different occasions and there is a chat transcript that verifies that payment was made given, and still XXXX XXXX XXXX proceeds to assert inaccurate information about debt being owed and continued harassment predatory in nature. Attempts to validate the debt has failed with the creditor as there has been more than XXXX collection companies also trying to collect on the same supposed debt.
Consumer complaint received 2015-04-17
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (PA)

I am disputing this creditor. I was not informed via certified mail of any late payment concerns. I was making current monthly payments, and was not made aware of any payment date changes. When I realized there were late charges on my statement months later, I contacted the company via telephone. I was quite upset, and agreed to pay the total amount if they would remove the late fees since I was not aware of any concerns.. The company willingly removed XXXX of the late fees. I payed the bill in full and cancelled the card.
Consumer complaint received 2016-01-04
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: National Credit Adjusters, LLC (CA)

National Credit Adjusters started collecting {$100.00} per month for a debt that was owe to Rise credit. National Credit Adjusters stop collecting the {$100.00} per month, called me XXXX XXXX, 2016, to inform me that {$100.00} per month was not acceptable any more after they were collecting {$100.00} per month, I ca n't afford to pay any more at this time. If they could not accept please send my money back. My wife was not included in this loan, just me.,
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (TX)

My wife and I have mortage with Wells Fargo and had a life insurance policy on mortgage which when she past away the bank refused to pay insurance policy. they have lied created documents with a computer and forge our names to false documents .im sure were not the only ones that have been screwed by this bank because the stealing and lying starts at the top of the bank and goes to the bottom. this bank needs to be checked by the federal authoritys and have the people jailed and the insurance department of bank closed .We paid on this policy for five years and received nothing but greive from this bank. I have all false papers they have sent me they do not have a single paper signed in ink by me or my wife XXXX, only computer made papers they created. they took our names off the original contract and pasted the names on these false papers.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Ambiguous Status Descriptions : The status description " Seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department '' is vague and does not provide clarity about whether the account has been resolved, transferred, or sold. 
XXXX also lists the status as " NotsatisfyingF20_TRADE, '' which is unclear and not in compliance with FCRA 's standards for clear and accurate reporting. 
Unclear Account Resolution : If the account has been transferred, sold, or otherwise resolved, this information must be accurately reflected across all credit bureaus. 
Credit Utilization Impact : The account lists credit utilization as " -- % '' without clear calculation. If the balance affects my credit utilization, the calculation must be accurately provided and uniform across all bureaus. 

Requested Action I demand the following actions to bring this account into compliance with FCRA requirements : Correct all inconsistencies in the account details, including balances, status, and remarks, across all credit bureaus. 
Provide a clear and accurate account status that reflects its resolution, whether it has been transferred, sold, or remains active. 
Remove ambiguous designations like " NotsatisfyingF20_TRADE '' and replace them with compliant and understandable descriptions. 
Clarify the credit utilization impact and ensure that it is reported accurately if this account contributes to my utilization ratio.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}
Consumer complaint received 2015-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (TX)

Subject : My lender ( Flagstar Bank, MI ) refused to terminate my Private Mortgage Insurance ( PMI ) after I meet all conditions. 
I sent letters, e-mailed and called the Flagstar bank requesting for my PMI waiver as early as XXXX, XXXX. But my request has been rejected because I saw {$160.00} of PMI was still charged on XXXX XXXX, XXXX. I meet all conditions : XXXX payments have been made since the origination date of the mortgage. 
No monthly payments were more than 30 days delinquent in the last 12 months. 
No monthly payments were more than 60 days delinquent in the last 24 months. 
There is no late charge My Loan to Value ( LTV ), calculated by dividing the current principal balance ( {$290000.00} ) by the lesser of the original appraisal amount ( $ XXXX ) or the purchase price ( $ XXXX ), is 65 % now, far less than required 78 % or less. 
Hence, based on The Homeowners Protection Act of XXXX ( the " PMI Cancellation Act '' ), the lender must terminate my PMI automatically on the date when my loan balance reaches 78 % or less of the original value of my home. But they refused to do so, let me know if you can help and the quote. 
Thanks very much for your time, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Suttell, Hammer & White, P.S (CA)

The amounts filed on the attached vary from their {$11000.00} balance. I have been paying {$400.00} a month for 7 months and there is about a {$1000.00} discrepancy between their balance and mine. The interest rate is also higher than daily rate disclosed on the attached paperwork.
Consumer complaint received 2015-12-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (CT)

I applied for and was approved for a loan with Avant Credit, issued by XXXX on or around XXXX of this year. At time of application/approval, terms such as high interest rate of 35.94 % were not disclosed. Rate was learned about after reviewing terms on company web-site recently, it did not show previously. Had I known about such a high rate, I would not have applied. I borrowed XXXX and will be paying more than double that at end of 60 month term, this is ridiculously high. 

After doing some research, it appears Avant charges everyone the same flat rate, regardless of credit score/worthiness. My score at time of application was in the mid to high XXXX range and my rate should not be so high, there seems to be something shady going on here. A number of XXXX reviews show a large number of negative reviews about Avant, most about high interest rate. I spoke with a XXXX XXXX at Avant and was not able to resolve matter, he defended the rate and claimed to have screen shots showing terms, rate, etc. There is no way he can show/prove what was shown to me on my end/my computer screen, at time of application. 

This is XXXX of several complaints filed, previous complaints were referred to FDIC, Avant stated they received a similar complaint from them as well and replied. I have received no reply from FDIC in regard to this matter. If AvantXXXX thinks I will pay over XXXX in interest, more than the loan principle, they are sadly mistaken. 

In closing, please advise Avant/XXXX that they will not see anymore payments until rate is lowered. XXXX XXXX as well as another Avant rep have also been advised the same. Their address is XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, UT XXXX. My address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX
Consumer complaint received 2015-12-16
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (TX)

I have a mortgage complaint with Freedom Mortgage Co. which extent from 2014 to the present. I have spoken to a repersenitive on several occasions which have led me nowhere. I am really trying to resolve this with out getting legal help, which I can not afford. This is my problem, I have paid more on the principal than is not required and it never shows up on the following payment. In some cases a statement was typed in the Account Information section stating that " This is the Principal Balance only, not the amount required to pay the loan in full. '' When asked, What happen to the overage amount? I was told that their records did n't show an overage amount. I went to my E-Statement on lined, that showed that I had paid thousands to my principal that was not showing up on my account since 2014.
Consumer complaint received 2015-11-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

A different company took over XXXX XXXX while I was still in school, changing the rules to how you can pay back your private loans. There are no options for me to lower my monthly payments on my private loans, or to consolidate them. The monthly price for all of my private loans is variable every month, ranging anywhere from XXXX dollars. I can not afford this monthly, how do they expect people to pay back their loans?
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (AR)

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2016-01-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NM)

The mortgage company sent me a new escrow account disclosure statement indicating I owed a certain escrow amount and I have protested the amount because the homeowner 's insurance amount is larger than the insurance company 's quote to me. I am exempt from paying property taxes in my state because of my XXXX XXXX. Last year I refinanced my mortgage with this company. They received all of the paper work and submitted an escrow amount that was not correct and sent a check to the County where I reside. The County sent the check back to the mortgage company and explained that I was exempt from paying property taxes and their escrow amount was incorrect. My mortgage amount is scheduled to increase to reflect the incorrect insurance amount and property tax amount. I have spoken to at least XXXX representatives for this company and they all tell me something different. I was scheduled to get a call from them yesterday but never received a call from a supervisor. I have never missed a payment or been late. I will pay them the amount that is the proper mortgage payment instead of what they are requesting I pay because their amount is incorrect.
Consumer complaint received 2015-12-16
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: CITYWIDE HOME LOANS A UTAH CORPORATION (NV)

We were told in XXXX that we had been qualified thru USDA to purchase a home for {$160000.00}. We purchased a new build home and uprooted our whole lives to move to XXXX, NV and watch our new home being built. On XXXX XXXX we were finally doing our final walk-thru and would be in before XXXX. During that walk thru our lender called the sales agent ( not our agent ), to tell her we did not qualify because we are on income leveling. This means that when social security kicks in, ( in 2 years ), my retirement benefits come down by exactly what my SS amount will be ( {$XXXX} ). They told me that one underwriter had been fired and the new underwriter had dis-qualified me on that fact.