davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF THE WEST (NY)

GOOD MORNING, I have a newly created loan with the BANK OF THE WEST, I put down {$8000.00} on XXXX/XXXX/2015, the payment was {$540.00} monthly, I was told if I put down more money {$12000.00} the monthly payment would be lowered to {$400.00} monthly with a new contract superceding the XXXX contract that was to be destroyed, however I received notice that on XXXX/XXXX/15 due is {$540.00} and when I call Loan officer XXXX XXXX XXXX XXXX XXXX Bank of the West, XXXX states that in his notes he wrote to disregard the XXXX XXXX/XXXX/15 contract that XXXX/XXXX/15 contract with addition money from XXXX was to lower payment to XXXX and this was the loan to be processed, I ask XXXX how this happen XXXX replied it was an error, I asked for a letter stating the that XXXX contract XXXX/XXXX/15 was supercede by XXXX contract of XXXX/XXXX/15 was the bank error of which I have not received and BANK OF THE WEST loan officer XXXX XXXX REFUSES to return calls to me .however a XXXX XXXX XXXX Bank of the West XXXX XXXX XXXX has contacted me, on behalf of the credit dept, and I ca n't get a answer to my issue which is pressing, My concern is if I make payment of {$540.00} on XXXX/XXXX/15 which I 've received notice for of which this loan application was to be destroyed as per XXXX XXXX that the superceded loan application of XXXX/XXXX/15 for {$400.00} will be demanded of me thus having to pay XXXX loans for the XXXX RV motor home when asked of XXXX this she replied I ca n't answer that I don ; t have the second superceded loan application yet, now I 've call XXXX at Bank of the west and left a message that If XXXX call me with fax # I would fax to her the XXXX contract XXXX however I XXXX is not returning calls either, I am very much afraid that I will be paying to loans to the tune of over {$200000.00} and I ca n't get answers but {$540.00} is due on XXXX/XXXX/15 and then {$400.00} on XXXX/XXXX/15, I feel I am the victim of the banking industry predatory nature, I be grateful if CFPB would look into this, there is also a inquiry ref. # from a call to CFPB # XXXX
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have been a Bank of America Customer for almost XXXX 

My deposit accounts, loans, and mortgage are with Bank of America. I have never been late on a mortgage or loan payment. I have never gone over my limit on my deposit accounts. I have been a very good customer for the bank since XX/XX/XXXX. 

In XX/XX/XXXX, Bank of America sent me a " pre-approved '' offer to refinance my mortgage, highlighting the savings I would realize. 

I called in to the telephone number on the pre-approved offer and spoke with XXXX XXXX, NMLS # XXXX about the offer. Thereafter, I completed my refinance application, submitted supporting documentation, had an appraisal completed on my home, and paid processing fees. 

My Loan Officer, XXXX XXXX, NMLS # XXXX was wonderful on the XXXX calls when I was applying and offering a deal. Then he vanished. Weeks went by without him answering my calls and requests for information. The few times I spoke with him, all I got was, " everything is fine, we 're going to close very soon ''. I got pawned off to his co-workers on several occasions, and although they were pleasant, all they would tell me was that it was n't THEIR file, and XXXX was unavailable. XXXX voicemail has stated that it is " XX/XX/XXXX '' for over two weeks. 

I called XXXX manager, XXXX XXXX, at least XXXX and she never once answered her phone. Ever. I left XXXX XXXX messages begging for a call back and for help. She never even returned the call. When I attempted to call her voicemail most recently, a very chipper voice informed me that she ( XXXX ) was on vacation for the next week. 

Since I started my application, my quoted price has increased because my appraisal came in lower than expected and I needed Mortgage Insurance ( conveniently provided by Bank of America ). I agreed. Today, I was informed that my loan to debt ratio was off by 1.27 percent, and that we might need to restructure, but again, I would need to speak XXXX XXXX to work this out. 

The worst part is that Bank of America also decided to sell my mortgage in the middle of the refinance process. Again, no answer when I called begging for information and support. 

This is outrageous. You do n't treat your customers like this ; in any industry. I just want help. That 's all. 

Please help me.
Consumer complaint received 2016-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Rent Recovery Solutions (GA)

I was looking to move into a new apartment and I was denied. I discovered that I had an account in collections with Rent Recovery Solutions from XXXX XXXX apartments managed by XXXX. During the time I lived there my apartment was in deplorable conditions due to roof leaks and unfinished repairs from maintenance. After numerous request to maintenance and management about those issues I was completely ignored. I had no other alternative than to withhold rent payment and go to court. They filed suit because of this and I filed a countersuit due to the fact they refused and failed to repair the property. The results of trial were that I had to move by XXXX/XXXX/2015 and I did not have to pay any money to the property for rent, late fees, utilities, and court cost. I have provided this information to XXXX XXXX at Rent Recovery Solutions as well as copies of the court orders. After verification of receipt of papers, she stated that her client XXXX XXXX apartments refuses to remove the erroneous information and to will continue to report it to the credit bureau and advised that I file a dispute. This has caused a great damage while trying to secure a home for me and my family.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

This company is reporting a debt which I am not aware of, I have been a victim of id thief previously. and all the information is different on the accounts as well. I have no agreement or contract with company, yet they are attempting to collect a debt from me that I do not owe.
Consumer complaint received 2016-01-03
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc (OH)

Once again a problem with checkout at Ebay and Paypal. I filled out my credit card information for {$75.00} payment for Ebay item XXXX ( XXXX & XXXX DVDs ). I specifically bypassed all the buttons for Paypal and Paypal Credit and specifically clicked on credit card filling in all my XXXX XXXX XXXX information. I verified that the tick mark near credit card was active. I hit submit payment. The payment went through Paypal Credit and NOT my XXXX XXXX. I attempted to resolve this with Paypal ( XXXX ) and she said she would check and came back and stated they say no system issues. Incredibly enough that is similar to what occurred with a prior checkout that promised Paypal Credit and then did not appear at checkout. I have attached a whole forum of people that have had the same issue and yet Paypal ( and Ebay ) deny any wrongdoing or issues. She said I should contact the seller to refund the money so I can check out again for my preferred payment method. I am not going to taint my transaction with a new seller by yet another foul-up by checkout systems. My payment method of XXXX XXXX was diverted against my wishes.
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

XXXX XXXX # XXXXProperty : XXXX XXXX XXXX, XXXX XXXX, NY XXXXHi, my name is XXXX XXXX, and I work at the Law Office of XXXX XXXX XXXX. The reason for the complaint is due to we have been in process of a Loan modification since XXXX 2013 with Wells Fargo, and received a negative notice against the Loan. The file was removed from Litigation and Settlement conferences, making us negotiate directly with the bank. We summited a complete Loan modification Package on XXXX 2013. Due to Litigation, the file was delayed for nearly a year and a half, and now we got denied for Wrong Income usage. We appeal the decision made, and Wells Fargo claim the correct income was used to calculate the Loan Modification, which it does n't even match the income that was include on the RMA with evidence of this income. We have complied with every request as far as a Loan Mod docs, and we have provided more than enough evidence to support the income. 
The HO was paying a monthly expenses to do a P & L statement for his personal income, he invested over $ XXXX/month executing P & L statement due to accounting charges, with an end result of a denial. 
HO really wants to keep the property, we need Wells Fargo to make the changes in the income used, and provide the HO with the Loan Modification which was Applied. 
We want to placed a complaint against Wells Fargo for not providing the right opportunity for HO
Consumer complaint received 2016-01-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

We have a XXXX mortgage with Fifth Third bank for the past 15 years and it has come due with XXXX still owed. It was a fixed rate installment loan and I was late several times but I have also paid most of the late fees. We have tried to get help to understand why we still owe so much but have not gotten anywhere. They apply our payments wrong and charge us late fees even when we are not late. I 've gotten the history and do not understand the way they apply the interest and principle and when I paid extra they did not apply it to the late fees. I would like to have this investigated or audited before I pay the total amount due. I know I owe money but I do n't feel it can be that much.
Consumer complaint received 2024-08-27
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. (FL)

There are XXXX accounts for student loans. XXXX showed up last week. Different account numbers, different amounts, now they show the same amount, different accounts. Unclear as to what is going on and if our information is secure. 

Please remove both accounts from the credit bureau 's system, as it is a possible breach of my social security number. 

XXXX XXXX details 0 % paid off Balance {$38000.00} Balance updated XX/XX/XXXX Original balance {$38000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number ( XXXX ) XXXXXXXX XXXXDEPT OF ED Balance details 0 % paid off Balance {$38000.00} Balance updated XX/XX/XXXX Original balance {$37000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Contact info Address XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2016-01-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (VA)

The debt was from XXXX XXXX XXXX XXXX XXXX for a modem which I returned to the company in XXXX 2015 ; XXXX issued a receipt to me but did not clear the {$60.00} from their records. The company recorded {$60.00} as a debt and transferred the collection to Credit Control Corporation which has added {$31.00} to the original amount being collected. CCC is now sending me collection letters for {$91.00}. This debt is not only unjustified, it is entirely wrong and has been recorded in my credit report thereby affecting my credit score. Please have it removed from my credit reports.
Consumer complaint received 2015-07-10
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: International Collection Systems, Inc. (AZ)

International Collection Systems, Inc. of XXXX XXXX XXXX XXXX, AZ, has called repeatedly, sometimes XXXX times per day, and sent threatening letters to my address, as well as contacted my extended family in order to collect a debt. The language used over the phone was threatening.
Consumer complaint received 2016-01-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Convergent Resources, Inc. (MI)

I 'm not sure if this is considered impersonating, but I received a letter on XXXX/XXXX/2016 from XXXX XXXX. The letter stated I owed over {$1600.00} to XXXX. I have never had XXXX in my life. They spelled my name wrong, and I ca n't get a hold of anybody. I also called XXXX, and talked to the collections department, where they could not find my name, the name it was supposedly under, or anything of that nature, and they were looking at every account they 've ever had. XXXX ( who I supposedly had the account with ) has no record of me whatsoever. When I asked if they do business with XXXX, they stated they do business with XXXX in the state XXXX so if I ever did get a collection notice ( which, she stated, was impossible from XXXX because she looked, and I never had an account ) to disregard it, which is exactly what I 'm going to do. However, I would appreciate an explanation as to why this company is exploiting and butchering my name.
Consumer complaint received 2015-07-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Capital One Credit Card company exaggerated and inflated interest rate. I opened this account since 2008 and closed a couple years ago and still at XXXX. The account has never decreased in interest rates and faithful pay the account. I have compared balances in order credit card companies like XXXX and Orchard Bank and they have been paid in 5 years with a similar high balance of {$1000.00}. I suspect this company is violating to inflate charges and fees so people can never get out of debt from Capital One Credit Card.Other companies like many banks will post your payment by midnight on the due date no by the hours set up by this credit card company that is a limit of XXXXeastern time or central time. I felt like I never going to be out of the debt from XXXX that has not go done for the last 7 years someone needs to audit this company inflated interest rates.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2016-01-03
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated committed crime not paying
Company: Williston Financial Group (OR)

My ex husband refinanced his house on XX/XX/XXXX and WFG is the title company with XXXX XXXX listed as the Escrow Officer. After a conversation with the District Attorney and also a private family law attorney that was representing me in a civil matter with XXXX XXXX, there was concern as to how this refinance could have possibly taken place with a judgement/lien for over {$8000.00} in unpaid child support. In addition it was discovered as XXXX testified in court that that more than {$15000.00} was issued as cash payment to XXXX XXXX as part of this transaction. None of which should have taken place without the child support judgment being paid first. She did indicate that another judgment had been paid but did n't indicate what that judgment was for. I am currently owed more than {$20000.00} and this transaction seems to have been fraudulent. 

I have pulled the public records to confirm the title transfer. If indeed the previous title and the current title are in XXXX XXXX XXXX name, this transaction should n't have legally taken place without the child support being current. 

In addition, the demographics of the house show a XXXX bedroom XXXX bath home. The basement of this home was remodeled without any permits being pulled and the home is now a XXXX bedroom, XXXX bath home. I will notify the county of the work as this is a safety concern. 

The property address is XXXX XXXX XXXX XXXX XXXX, Or
Consumer complaint received 2016-01-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MD)

This 3rd party debtor is Midland Funding ... I am a sick woman on XXXX my bills are more then what I get from XXXX..I have been in and out of the hospital, almost died several times. I lost my soul mate of 15 yrs XXXX XX/XX/XXXX, I had to get a work at home job to try and make ends meet, I did not know anything about this debt til they filed for garnishment of my wages which I was only notified by my job not them, then when that did n't work and I called them and they said they served me but could not describe the person they served they then sent me a letter saying they did not have to prove i signed the document for this debt, when that did n't work they tried to freeze my bank account, which my bank notified me of and I then filed a motion in court to have it thrown out, that is how I found out through the court they filed XX/XX/XXXX, I never heard or was notified of any of this. I am waiting on a court date to go to court to see if the judge will see a economical hardship or head of household hardship and have it thrown out, for them to never be able to come back at me again.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd (NY)

Site said ACH would take seconds. Tried, said 6 days. Said debit card would take seconds. Tried, said the card couldn't be used. Accidentally submitted payment. Tried to cancel. It says cancel, but it is really process and refund. Now my funds are tied up. This needs to be resolved.
Consumer complaint received 2016-01-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently was approved for a credit card from Capital One following a hard inquiry to my credit report. I received it a week later and I answered the previous address security questions accurately. I was told my card was locked due to suspicious fraudulant activity. It has never been used and its already been used illegally by the person it belongs all in a 1 minute time span. I was sent an email for my documentation verifying my identity and it suffice. I sent them again. They now want a bank statement. I give them my account number. They then say id recieve an email. No such luck. They then advised me to go to any local bank while they are on the line then they would talk to the teller inside. XXXX consececutive banks said they have never heard of such a method of verification. Still no activation. Still no replacement card. No other methods of verification. I was pubicly humiliated by the methods instucted by the fraud department. I have now a balance of {$340.00} for money that nobody even spent. It has caused me to be evicted from my home of 14 years because i used that credit line to secure a loan i cant pay back due to Capital One 's erroronous information. I have been civilly violated and I am cognizant enough to know that this is a crime and a Civil Rights lawsuit is my next step.
Consumer complaint received 2016-01-03
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (AZ)

Hello, I have been a client with Target since XX/XX/XXXX however ; my credit reporting is only reflecting from XX/XX/XXXX and on. My overall credit rating took a hit since my history is not being reported in full. I ask that you report my credit in full since opening this card in XX/XX/XXXX. Let me know if you have any questions.
Consumer complaint received 2016-01-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NY)

first call from midland credit management was on XXXX/XXXX/XXXX, which I thought was a little strange. My phone service is XXXX which is XXXX. I get a lot of spam calls, so I downloaded a program on my computer called " XXXX '' which my phone only rings once and stops ringing. I have checked my credit report from XXXX and there is nothing negative on it except for the bankruptcy in XXXX. 
I have filed a complaint with the XXXX against Midland and threaten to report them to the nys attorney generals office. Back in XXXX midland credit was sued by the XXXX. The company was sued for XXXX dollars and more than XXXX improperly obtained judgements were vacated. I have never received any written information from them of who I owe and how much I owe. I am current with all my bills.
Consumer complaint received 2015-05-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

After 5 years of on-time payments, my request for co-signer release stating " you are not making the required consecutive on-time principal and interest payments based upon our required standard for credit review criteria. " Navient needs to release my grandmother of XXXX years from this account. She is paying for XXXX care and needs to have this loan released. In the meantime, I am checking with banks to have it refinance. I do not believe that Navient is a reputable company.
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

XXXX the mortgage company and the mortgage serving company have reported the same amount due on my credit report. This makes it appear as though I owe XXXX as much as the balance on my mortgage.
Consumer complaint received 2015-05-21
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (FL)

PayPal, without authorization from me, made a hard pull on my credit file this year, affecting a mortgage I am in the process of getting. It was for their PayPal Credit service. They denied any wrongdoing, told me I willingly accepted the terms, and after an investigation I demanded, told me that they found no wrong-doing and denied responsibility. They have canceled the account but the hard credit pull remains on my credit file.
Consumer complaint received 2015-05-21
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TX)

I have a mortgage with LoanCare, I have yet to be able to contact them. They will not accept my loan number or social security number and therefore I can not get through their phone maze and have not received tax information for the past two years. I also need a paper statement for another transaction. I would very greatly like to try and refinance with another company but literally can not even get ahold of them for the basics, let alone that.