davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

In XXXX I took out a mortgage loan with XXXX XXXX XXXX. They advertised affordable monthly payments and low interest rates on their loans. However, every month the bill came higher than expected. It got to the point where I no longer was able to afford a monthly payment. In XXXX, XXXX Bank, entity that did not know, started a foreclosure action against me. The entity suing me was different than the one I took out the loan. Then, I heard from American Servicing Company, another bank that started collecting the debt. I tried to do loan modifications several times but I was denied. I feel that the bank did not do a proper and fair review of my loan modifcation application and just wants the house to be foreclose. The legality of this loan is in question since I do not know to which entity do I really owe money to.
Consumer complaint received 2017-01-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CT)

ERC is fraudulently reporting my credit information and re-aging my account. They are fraudulently reporting the account as being 1yr and 11months old when in fact the account is close to 6 years old in order to prevent the account from closing due to reaching statute of limitations.
Consumer complaint received 2017-02-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (MI)

I applied for credit for XXXX from XXXX XXXX, a division of XXXX Bank! I have perfect credit with no adverse collections, and a perfect history for payment of a car loan timely and paid off, a student loan timely and paid off, and XXXX Bank just approved me for an XXXX Credit Card. They refused my application as when I originally applied there was an inaccurate negative collection with XXXX XXXX, that was removed as the account was paid timely in 2014, before collection. I should be allowed credit with XXXX XXXX today.
Consumer complaint received 2017-01-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

In XXXX of 2007 we purchased our house and after further review our house and garage has XXXX layers of shingles on them. Per XXXX NY, there 's only suppose to be XXXX layers of shingles at any time making the home inspection in violation of XXXX code. Our garage and house are in need of new roofs.
Consumer complaint received 2016-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Social Finance, Inc. (NY)

SoFi publishes rates of 3.5 on fixed loans for student loan refinancing. All combinations of salary, experience, loan amount and home ownership result in 5.74 % as the lowest rate for refinancing. For example, a {>= $1,000,000} salary at $ XXXX loan debt = 5.74 % rate and {$50000.00} salary at {$100000.00} loan debt = 5.74 %. This is a marketing tactic and is being used to deceive customers into supplying protected information.
Consumer complaint received 2016-06-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX, a customer made a deposit into our Capital One business checking account. Subsequent to making the deposit, she contacted the Capital One fraud department and claimed that she had fallen prey to a " work-from-home '' scam. Capital One has put a freeze on the account and is effectively holding over {$50000.00} of our small business ' operating capital. Despite the fact that we have provided Capital One with the receipt and documentation explaining this woman was fully aware of her purchase, It 's been ten days and I have not heard from the case manager who is supposedly handling the matter. I 've made six attempts at contacting the case manager and spoken with various employees in the fraud department and I have not heard anything back. In summary, they 're holding a large portion of our operating capital ( which is crippling our business ) and despite our total cooperation, refuse to return any calls or give us any type of timeline on when our funds will be returned to us.
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MIDCOUNTRY FINANCIAL CORP (MN)

MidCountry XXXX sold my loan to another company " B '' on XX/XX/XXXX. I received two XXXX forms from both companies in XX/XX/XXXX. I found that mortgage interests received from borrowers ( the numbers in box XXXX ) add up not equal to the amount I have paid in XX/XX/XXXX. I reached out to MidCountry XXXX, which explained to me what happened in their end and ensured me that their XXXX is correct. The same thing happened when I contacted company B. 
In total, I spent more than 4 hours talking to both companies back and forth multiple times, which was a very frustrating process. 
Eventually, MidCountry XXXX admitted they made an error on the XXXX form on XX/XX/XXXX, which negatively impacted my tax return filing for XX/XX/XXXX. The staff apologized to me in email. However my request for a compensation of my time : $ XXXX/hr * 4 = {$240.00} from MidCountry XXXX for their mistake was completely ignored.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I applied for Bank of America XXXX XXXX Visa Signature card, which was prominently advertised as having a XXXX mile sign-up bonus and {$100.00} statement credit as incentives after {$1000.00} in spend on the card. I was informed that I was approved for the card, and at no point did they mention that I had actually been approved for a different product. Fast forward to me having met the spending requirements, and I find out I had actually been approved for the XXXX XXXX Visa Platinum card, which only offers a XXXX miles bonus and no statement credit. 

The physical appearance of the XXXX cards are nearly identical ( the only difference being a small word " signature '' or " platinum '' in the bottom-right corner ). The only mention that you might be considered for alternative products is buried deep in the fine print of the application ( I had to go find it after the fact ), and there is no way to opt out of consideration for the alternative product. I have never seen any similar process with any other major card issuer ( and I have had cards from XXXX, XXXX, and XXXX XXXX ). This feels like a deliberate bait-and-switch, and many other feel similarly, from reading online.
Consumer complaint received 2016-05-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (NY)

This company phones my home # ( above ) several times a day. They also call my cell #, XXXX, several times a day, except with my cell they call and let it ring one or two times, hang up and call again 4-5 times, then the last call rings until it goes to voicemail. They never leave messages on either # and when I picked up once there was no one there. My home phone caller ID identifies the company as IC System. They use different # s when they call. One is XXXX. Another is XXXX. Both are identified as IC System on my home phone.
Consumer complaint received 2016-10-25
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

As a Bank of America customer, I got automatically enrolled in the Bank Of America Privacy Assist program in XX/XX/XXXX and was charged $ XXXX/month since then. I saw the press release published at : XXXX I canceled my account today ( XX/XX/XXXX ) and wanted to get a full refund starting with XX/XX/XXXX. The customer representatives from BOA Privacy Assist stated that my account was not affected by the " unfair billing practices '' mentioned in the press release, i.e., I was not part of XXXX customers. Would it be possible to confirm that this lawsuit affected only a subset of Bank of America Privacy Assist customers, or am I being deceived by the Privacy Assist team?
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: PENTAGON FEDERAL CREDIT UNION (AL)

I have an account with Penfed and they recently cancelled my credit cards without reason and without warning. The excuse customer service gave me is that they " could n't verify my income ''. I have submitted my XXXX and paystubs TWICE and they did n't say anything was wrong with them. For them to close my accounts AFTER giving me the cards is beyond unprofessional. If I was n't credit worthy to them, they should not have given me the cards in the first place. Even worse, they closed them just before the statement is sent to the credit bureaus so now it shows me as having a credit limit of {$0.00} with a balance of $ XXXX+ which has SIGNIFICANTLY lowered my credit score. This whole situation is beyond unfair.
Consumer complaint received 2016-06-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

I HAVE A NEW STUDENT CHECKING ACCOUNT AND A MONEY MARKET SAVINGS ACCOUNT AT US BANK ONLINE THAT MY EXHUSBAND IS TAKING MONEY OUT OF WITH KEYCODES CAUSING ME TO BE OVERDRAWN. HE IS UNDER A COURT ORDER TO DEOSIT {$1000.00} INTO THE CHECKING ACCOUNT. INSTEAD HE IS DRIVING ME INTO OVERDRAFT.I AM EXPECTING FINANCIAL AID FROM XXXX XXXX UNIV AND I THINK HE IS GOING TO RIP ME OFF.
Consumer complaint received 2016-06-26
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Santander Consumer USA Holdings Inc. (MD)

I have sent several requests to Santander per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
Consumer complaint received 2017-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Collection Systems, Inc. (NH)

On XX/XX/2017, I sent a request for debt validation to National Credit Management. I received a response back dated XX/XX/2017 with insufficient information to prove that the account had been transferred to this agency AND stated that the agency would CEASE all collection activities. Subsequently, AFTER I demanded validation NCM illegally ADDED this account to my credit report as I was alerted to a new account on my credit bureau on XX/XX/2017. I submitted a compliant via CFPB where NMC agreed to CLOSE the account and return it to the original creditor. This action of CLOSING the account is insufficient as this company continues to ILLEGALLY report FALSE information on my credit report. I am demanding that all references to this account be IMMEDIATELY deleted from ALL credit reporting agencies and I be paid {$1000.00} for each reporting instance including both XXXX and XXXX for a total of {$2000.00}. I am in the process of applying for credit and this is ILLEGALLY damaging my credit rating. I am attaching a copy of my letter to NCM, the certified letter receipt, and the NCM debt validation response letter including attachments that NO WHERE state that this account has effectively been transferred to this agency for collection purposes.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Overlimit fee — 
Company: U.S. BANCORP (MT)

I use a US Bank rewards card for company expenses and pay it off each mot month. When I was reviewing last months statement yesterday, I noticed that a {$57.00} interest charge had been added. I was surprised at that because of my pay it off each month process. I checked the date of the payments last month to see if they arrived late ... no they were there on time. Then I checked the past due line on the statement and there was zero showing as past due. So I called to see what I was missing. After all {$57.00} is real money. The person on the phone quickly advised me that they would waive the interest charge, but the reason it was generated is the reason for my complaint. Turns out, due to my check writing error, the XXXX checks I wrote from different accounts for last month 's payment was XXXX short of full payment. So interest was charges as though I had n't gotten the payment there on time for the entire amount. Excuse me..this sounds like illegal activity to me even if it was just a computer error or something. I had a XXXX shortage of my payment, which was rounded off to show zero in the past due, but the interest function charged me {$57.00}. I wonder if the interest rate on a XXXX charge is to get to {$57.00}. Not sure it is calculable. I know that I was not out any money because I called and asked about it, but what if I had n't, and what about all the people that just pay the balance showed and end up paying those charges on mistakes like that.
Consumer complaint received 2017-01-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

Leased a vehicle through chrysler capital XX/XX/XXXX. I moved forward with buying out the lease XX/XX/XXXX/XX/XX/XXXX, as my spouse was pregnant and this was the best decision for my family. My spouse and I worked with our credit union to buy out the lease. When the pay off amount was given to my spouse and our lienholdder, they both questioned Chrysler on several phone calls asking if the state sales tax was in fact included in the pay off amount. My spouse and lienholder were advised on three separate phone calls that the sales tax was included in the payoff amount so there was no need to pay the DMV directly. These phone calls are recorded and on record with my current lienholder. 

Fast forward to XX/XX/XXXX - the DMV is not allowing us to re-register my vehicle because the sales tax was not paid. We contacted my lienholder who stated this would 've been paid by Chrysler since the amount was sent in the pay off check to chrysler when the lease was bought out. We contact chrysler who stated they would look into it and get back to us within 72 hours. 10 days later, we still did not hear back, so we called chrysler again. Chrysler stated their procedure state That CA sales tax must be paid to the DMV by the individual. We escalated the call and requested that all calls be pulled as not only myself and wife, but my lienholder was advised the sales tax was included in the pay off amount. Chrysler stated they would research further, but it is not in their policy/procedure. 

My wife is currently out in XXXX leave, as she had a XXXX a few weeks ago. My registration is past due and the DMV is now charging a late fee. With XXXX income for the next few weeks, I am not sure if I can pay this out of pocket. This is a significant expense that I was advised was financed into the loan. 

I 'm not sure if I have a case here, but I 'm desperate to find out what my rights are. I am XXXX military and do not want my command or the military police to suspend my driving privledges on base due to an expired registration.
Consumer complaint received 2016-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (FL)

This letter is a formal complaint that Fedloan Serving is erroneously reporting derogatory late payment-history information regarding my student loans which they service, to the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX. These negative entries are having an adverse effect on the ability to obtain credit under favorable terms and/or denial of credit. These accounts were included in a forbearance granted by Fed Loan Servicing in XXXX. The forbearance means that no payments are due and therefore no payments could be late. 

Attached is a copy of a letter that I received from Fed Loan Servicing outlining the details of my forbearance from XXXX. 

Attached is a letter sent to Fed Loan Servicing, requesting that they remove all late payments. Fed Loan Servicing maintains that they are reporting accurate credit information to all XXXX major credit agencies, an assertion that I dispute. 

Fed Loan Servicing, in a written statement ( attached ), has further asserted that periods of forbearance do not remove accurate reporting of previous delinquencies, if any to the consumer reporting agencies. This stance is in direct conflict with the XXXX XXXX to XXXX XXXX XXXX, Office of the General Counsel, U.S. Department of Education, dated XXXX/XXXX/XXXX, as issued by XXXX XXXX, United States Federal Trade Commission. This opinion, attached to this dispute concerns the applicability of the Fair Credit Reporting Act ( FCRA ) to the reporting of additional information to credit bureaus about defaulted student loans. It states, " [ The duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ] extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at XXXX point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. '' Therefore, Fed Loan Servicing has a legal requirement, under the provisions of the FCRA, to remove the late-payment entries being made to the credit reporting agencies for the above-referenced time frame, since the affected loans were not delinquent, but whose terms were satisfactorily satisfied through the proper application of in-school payment deferment and/or forbearance. 

I 'm requesting removal of all late payment information from these accounts immediately. Continued inclusion of this erroneous late payment information places Fed Loan Servicing in violation of Fair Credit Reporting Act.
Consumer complaint received 2016-10-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

we are currently delinquent on our mortgage and have a sale date of XXXX/XXXX/XXXX, we have tried numerous times to get help from ditech but no one is helping. I have turned in all the documents they have requested several different times. I was laid off in XXXX and have not been able to find work since. my wife is very ill and has mini strokes occasionally since XXXX the co borrower is a sole provider and the only contributor right now to the household while he is on a fixed income it has made it very tough on him this year and we are scared we will lose our home. Please help us save our home!!
Consumer complaint received 2016-12-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (MI)

I have a CITI account on our report which just popped up while we pulled a credit report XX/XX/2016 in the process of application for a home loan. 
I had no clue of what this account was and the credit score was in 720-740 before that and because this account has suddenly popped up and the score is 619 and we were denied a home loan. 
I call up CITI and clarified and then were given to understand that this was an account with XXXX and Costco and that got transferred to CITI. We had not communication or mailers from all these parties involved in this dispute. We had closed the Costco account and paid of all balances with XXXX as on XX/XX/2016. 
When requested more info with CITI they said that I had a balance of {$340.00} which was brought forward from XXXX to CITI in XX/XX/2016. Now after 6 months they have added late fees and interest charges and made it to {$510.00} outstanding balance with CITI. 
I have had no intimation on these corporate mergers and all that and nobody from CITI had ever communicated about this outstanding balance in the last six months. Now when we pulled the credit that 's when we go to understand that we will not be able to get a loan because of this CITI account which was showing delinquent. 
I am willing to pay of anything I owe as outstanding from XXXX if there were any, so I request CITI for the statements as to where and how this balance got carried forward and CITI customer service reps were so hasty and gave a rude reply that they can not give me that data and that it is my problem to deal with it. 
I want to dispute this issue and have it cleared ASAP so I can get going with my home loan and my EMD ( Earnest Money Deposit ) of {$3000.00} will be lost if I do n't get the loan in 30 days. 
XXXX and CITI are not really worried about customers at all and finally the customer has to go through the irony of life with bad credit for no reason. 
Please address this dispute as soon as possible and I look forward to a favorable reply.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Experian credit reporting agency deleted XXXX XXXX XXXX and XXXX account off my report last month after there investigation now on this months report they both have been re-instated this is wrong I contacted legal advice and was told once an account has. Even deleted it can not be reinstated again. Due to this my credit score went eay down again
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

In accordance with the fair credit reporting act.The list of accounts below has violated my federally procted consumer rights to privacy and confidentiality under 15 u.s.c 1681 Account name : XXXX XXXX account # XXXX Account name : XXXX  account # XXXX Account name : XXXX XXXX XXXX account # XXXX Account name : XXXX XXXX child support Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

-15 U.S.C 1681c. ( e ) ( 5 ) section states : No consumer Reporting agency may make any consumer report containing any of the following items of information any other adverse iteams of information other than records of the convictions of crimes which Antedates the reporting more that seven years.

-15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not fuenish any information Relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.