davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I am attempting to refinance a mortgage with USAA. The company is holding up the loan at this point because there was a dispute on my credit report - not an " open '' dispute, a resolved dispute. Their last email said " XXXX XXXX is showing the disagreement code with a resolution of dispute on your credit. This is what underwriting needs removed. '' XXXX XXXX on their part sent the disagreement code, which I am fine with, and resolving the dispute. 
What I am understanding from USAA is that they want that to be undone, which XXXX XXXX can not do. 
A day later, after I inquired as to why such a holdup, about a credit card account with XXXX balance, and whether the issue is risk or something else, I received a response stating " Our underwriters do not manually underwrite files. '' At this point, I am at a dead-end. XXXX XXXX did their part and sent a resolution code, but I suppose USAA still can not accept that as an answer. The only option is to go back in time .... ( I will not continue this sentence - they are not giving me a resolution. ) I feel that USAA should be able to manually underwrite my loan. 
Now, I started the process XX/XX/XXXX, and even though USAA apologized for the delays, they have been pushing the closing date since XX/XX/XXXX. At this point, I do not think I will be able to close because I am deploying in about 8 days to the XXXX XXXX. The current interest rate on the house is high and I have wanted to rectify this issue for a while.
Consumer complaint received 2016-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TN)

I have been on XXXX since XXXX. Every year the date by which I must renew my application for this payment program changes. It 's been moved from XXXX XXXX, XXXX, to XXXX XXXX, XXXX, to XXXX XXXX, XXXX. This last date is particularly alarming because in order to complete the reapplication requires information from a completed tax return. However, the application renewal date is PRIOR to the IRS tax return filing date! Further, the notice I received this year did not provide a " reapply by date, '' but rather stated, " You must complete your application within 10 days of XXXX XXXX. '' Well, is this business days, calendar days, what? Why would n't they simply provide a specific date? And, why is it not the SAME RENEWAL date each year? It seems that the constantly changing renewal date -- which by the way, bears no relation to the date of my original grant of XXXX in XXXX, thereby often requiring that I renew in LESS than 12 months -- is a blatant attempt to catch borrowers by surprise such that they miss the renewal date. By missing their renewal date, Navient may force these borrowers to enter expensive rehabilitation programs before being allowed back onto the XXXX program, plus they will miss they credit for payments made outside the XXXX program! Renewal should be required not more than 30 days before the end of any 12-month payment program, and should NEVER be permitted to be required PRIOR to the standard XXXX XXXX deadline for filing tax returns! ( I attended XXXX, graduating in XXXX. )
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA , Inc. sent me a letter dated XX/XX/XXXX advising me of an adjustment to the principal balance of my car loan of {$910.00}. Additionally, I was advised of an additional adjustment of {$1600.00} for the accrued interest due. Furthermore, I was advised the adjustments were to take between 3 -5 days. As of XX/XX/XXXX, Santander has never provided payment history or any explanation why the adjustments were never applied to my car loan. 
Prior to my car loan being paid in full, I notified Santander to apply the adjustments to my car loan. I discontinued making loan payments as a result of notifying Santander. Santander reported late payments of 30 days for XX/XX/XXXX ; XX/XX/XXXX and 60-day late payments for XX/XX/XXXX and for XX/XX/XXXX. No matter how many times I have contacted Santander they refuse to remove the negative payment history.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I checked off the did not get proper notice of investigation because the others did not fit my problem at all. Sorry. Here is the situation : XXXX XXXX XXXX hired a collection agency XXXX XXXX and they hired a XXXX Attorney to represent them in court. I went to court when I was asked to appear. They never even showed. Therefore, the Judge ordered that the case was dismissed. I have the paperwork from the Court showing all the information that would be required for them to remove the negative marks on my credit report. So, I then sent all this paperwork to the credit reporting agencies. They are still investigating and as of yet, I have heard nothing. Everyone is telling me to sue the credit reporting agencies - Others said you can help me. So I 'm starting with you!!!! Apparently, they are dragging their feet on this one.
Consumer complaint received 2016-12-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R&R Professional Recovery, Inc. (MD)

XXXX XXXX XXXX XXXX, MD made an error in filing the treatment bill ( {$320.00} ) to XXXX XXXX XXXX XXXX XXXX ( my insurance provider ). Till date XXXX does not find on it records proof of claim filed. I made the facility aware of their error ( XXXX of accounts dept. ) but they chose to take the case to R & R Professional Recovery XXXX XXXX, MD ( R & R ) anyway, per account # XXXX. 
In an effort to resolve the issue, per my request, XXXX customer service contacted R & R to point out the error but they refused to talk to them. 
Notwithstanding above steps, R & R went ahead and reported matter to collection bureau destroying my credit worthiness. 
Please provide help and succor to remedy the predatory and illegal practices of R & R. Thanks a lot.
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a bill for an annual charge for a card that I have not used in over a year. I did not see the bill until I received a bill the following month for a late fee and interest for the original {$18.00} membership fee. The new total was {$33.00}. 
I called and closed my account, but they insisted that I still owned them the {$18.00} annual membership fee. Every year up until now they have waived the fee, until now. 
This is not fair or customer friendly.
Consumer complaint received 2017-03-22
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (LA)

I was going through my bank statements and realized that a charge of XXXX had been taken out of my account by a company called XXXX. I also noticed that a pre-authorized check in the amount of XXXX ( that was not signed ) had been made out to XXXX. After extensive investigating I realized that this had been going on for quite some time. There were XXXX charges from XXXX ( total of XXXX over 35-40 months ) and XXXX checks made out to XXXX ( total of XXXX over the course of 31-35 months ). Now, I called XXXX. At first there was no answer. I called a second time and a female answered. There was a sound of wind, so I think the number was transferred to a mobile phone. She said that I had a " wrong number. '' After that, I decided to call my bank ( Chase Bank ). I spoke with a young woman. She said, " we are only allowed to refund the last XXXX charges. Additionally, if you want us to create a stop payment, the charge is {$32.00}. '' I was pretty heated. I said, " I have had my card frozen for fraudulent behavior. And actually there was no fraudulent behavior. Now I need this help from you and you say that it 's all my fault? '' I asked to speak with her supervisor. He told me that they could not help me. I requested a call back from his supervisor. Now in the meantime, I tried to figure out where this charge came from. I researched online and found several complaints regarding both XXXX and XXXX. I did not sign up for these " services. '' Chase should know that these are fake services who scam customers on a regular basis. After about a week, the manager called. He said, " I 'm sorry after further investigation we have decided to not give you any refund. You signed up for these services. '' I said, " do you have any proof. '' He said, " we have decided that you signed up for these services. If you want a stop payment, we charge {$32.00} for both check and electronic. As a one time courtesy, we will wave the stop check fee. '' I said, " Sir I never signed those checks. What are you talking about? '' He said, " I do see that you never signed the checks so we will stop those payments. '' I said, " what about refunding the checks? '' He said, " after investigating, we have decided that you signed up for these services. '' Well at that point I felt hopeless. I spent months trying to figure out what to do. I called XXXX regularly and finally got someone who said that they would no longer charge me. I said, " How did you get my information? '' They said, " Our records show that you requested our Identity protection. '' I said, " Do you have anything in writing? Signed by me? '' He gave me the run-around. I was complaining to my boss and he told me to post my story on Consumer Financial Protection Bureau. I really hope this helps. Chase was NO HELP whatsoever. I am so upset over the dismissal I received.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

A credit card reporting on my account as late, and open from XXXX  XXXX account # XXXX, For XXXX  XXXX and Equifax dates XX/XX/year> to XX/XX/year>. I dont have a XXXX  XXXX XXXX, this is fraudulent. I filed a complaint with the FTC three weeks ago on the XXXX XXXX. This has been a major hindrance on my life. As theyre in violation Per 15 USC , 1681, accuracy and fairness. ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the reports. This violate 15 USC 1681S 2, 15 US code 1692E, 15 U.S. Code 1666b
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

In XX/XX/XXXX purchased a house in XXXX XXXX with using my VA home loan, came down on orders to change duty stations in XX/XX/XXXX to XXXX XXXX XXXX. In XX/XX/XXXX my mortgage was with XXXX XXXX XXXX, I called to do a loan modification, the person I was speaking with told me " dont make another mortgage payment till you got all the paperwork that i am sending you '', so I stopped making payments. I waited ten days never received any paper work, so I called back told the person I was speaking with what was going on, that person also told me to dont make payment till I received paper work, I never received any paper work. Ever since than I was giving the round around, by than I was so far behind on payments that I could not catch up to bring my loan current. After a few years go by mortgage was sold to many different mortgage companies, then ended up in collections, now I owe {$400000.00} to bring my loan current at the end my VA loan turned to a conventional loan.
Consumer complaint received 2016-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (IL)

On XXXX XXXX, 2013 I filed a police report ( # XXXX ) regarding identity theft when I learned someone opened a XXXX acct under my maiden name because of a bill I received and confirmed with XXXX. XXXX sent me paperwork to fill out which I sent back to clear me of the debt. ( XXXX fraud case XXXX. I just received a bill recently for the same debt from collection agency, Convergent XXXX, same acct #
Consumer complaint received 2016-06-21
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: CNG FINANCIAL CORPORATION (WI)

" XXXX XXXX '' left a voicemail on my cell phone XXXX/XXXX/2016 claiming to be a process server stating that I have charges and a claim that was filed against me, and said that I was being served. In the voice mail she gives a " case number '' to reference. She also called my work, and a friend of mine stating the same thing that I was in the process of being served. After not returning her phone calls or messages immediately because I was at work, I got three calls in a row from what appeared to be my XXXX job. I answered the third phone call and it was this " XXXX '' person, not in fact someone from my XXXX job. She was talking really loud and fast. I could n't understand much of what she was saying. I caught something about getting a " cease and desist '' otherwise I was going to be served with a lawsuit. Upon calling the XXXX number, the automated message makes it sound like it 's an attourney 's office, and you have to give a " case number ''.
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i filed a complaint # XXXX against capital one on XXXX/XXXX/17 re : paying XXXX, a scam artist who falsely claimed they would sell my timeshare after paying them {$2800.00} in title fees up front. They did n't sell my timeshare, as a matter of fact, once they got my credit card # they never called me again. Within capital ones dispute time frame, i sent them evidence that this outfit was a scam. In their response to my complaint they did n't acknowlege any of the facts i had backing my case, including a cease and desist order from XXXX XXXX, the attorney general of North Dakota, against premier timeshare solutions. An expose on XXXX tv identifying XXXX as crooks. An F rating on XXXX from the Better Business Burea. The fact that XXXX XXXX the owner of XXXX Is in jail now for this very crime. On top of that, the lawyer they sent after me, XXXX and XXXX backed off as soon as i sent them all this evidence. Capital one 's response to my complaint is, '' our research confirmed our actions taken on your disputed charge was correct ''. Where is your backup, your evidence showing you are correct? I HAVE EVIDENCE SHOWING I AM CORRECT, I JUST DO N'T SAY IT, ASK YOUR LAWYERS. Talk is cheap, show me your evidence. At the end of capital one 's response by XXXX XXXX, there is a phone # with her ext. # to call about my concerns. As usual when calling capital one, i was passed around to different people or on hold for 45 minutes and finished at voicemail and disconnected.
Consumer complaint received 2016-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (LA)

I was recently effected by the flooding in XXXX, LA. I have mortgage against the property, I have been out of my house for 3 months now and I have yet to receive any payments from my mortgage from the claim loss to finish the repairs. I have put all of the monies so far to complete repairs. When I call them to get answers I can never any person that is willing to bring it up to a high level to resolve my issue or even consider the pain and suffering my wife and I are going through.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Equifax is reporting a fraudulent credit inquiry. I have informed them several times that this inquiry is fraudulent, and they continue to report it. The fraudulent inquiry was entered on XXXX/XXXX/16 by XXXX, as an identity thief attempted to open a new account using my information. I have filed a police report specifically regarding this inquiry, and had an Extended Fraud Alert added to all XXXX credit bureaus, all of which Equifax has been made aware of ; and yet they still have not removed the fraudulent information from my report after repeated requests.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

I sent Equifax documents on XX/XX/XXXX2016 ( Signed Affidavits, Police report, and a Affidavit stating for Equifax not to contact me by email and that request is ignored repeatedly. ) I recieved my latest response XXXX/XXXX/2016, and the items i asked to be removed was stated to be verified. 
The fair credit reporting act requires : 1. A complete investigation, and 100 % accuracy. 
2. Items Verified from Original Creditor/not 3rd party info. 
3. All fraud items to be removed/police report XXXX XXXX ( not verified to FCRA guidelines ) Tax Lien ( XXXX ) item not verified to FCRA guidelines. 
Bankruptcy XXXX XXXX XXXX not verified to FCRA guidelines. 
XXXX Collection XXXX ( I have no contractual agreement with this creditor ) XXXX XXXX XXXX XXXX ( I have no contractual agreement with this creditor ) Inquiries : XXXX na XXXX XXXX ( not mine ) XXXX Bank ( not mine XXXX XXXX XXXX Cu ( not mine ) SC XXXX XXXX XXXX ( not mine )
Consumer complaint received 2017-03-22
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC (ME)

After being advised of a large debt on my credit report on XX/XX/XXXX, I contacted XXXX on XX/XX/XXXX, who very vaguely told me that my account was " Charged-Off '' and I needed to contact FirstSource ( the collection agency ) which XXXX supplied the phone number to me. I asked XXXX to send me a copy of my back statements so I could find out what happened & when. As of this date ( XX/XX/XXXX ), I still have never received anything from XXXX XXXX. I then contacted FirstSource on XX/XX/XXXX and asked them about my account. I was told they just received the info. They looked into it and contacted me back the next day ( XX/XX/XXXX ). Since then I was getting a call a day from FirstSource, occasionally 2 or 3 calls a day, until I asked them to not call me every day about it & I was looking into the matter. On XX/XX/XXXX, I received an envelope from FirstSource postmarked XX/XX/XXXX with copies of my statements for the past year, and a letter from them dated XX/XX/XXXX. 

Going back through all my previous statements, I found that this automatic withdraw payment problem with XXXX XXXX has been going on since XX/XX/XXXX. I do not look at statements every month and knowing my other XXXX XXXX accounts are on an automatic withdraw payment plan with no issues, I did not know there was a problem. To this day, I still have not found or received any info from XXXX XXXX advising there was a problem with this account. Every month, XXXX has been adding late fees, returned payment fees, interest fees, and changing the APR rate ( there may be more that I am unaware of ). The amounts keep changing, some months are higher & others are lower. 

When I originally spoke with the lady at FirstSource, she agreed with me, seeing my information coincided with what she was seeing. 

Another issue compounding to this problem was my original XXXX account number had been compromised. XXXX issued a new card with a new number. 

I received 2 from calls FirstSource last week, 2 more calls on XX/XX/XXXX and another one last night.
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: ALLIANCE FINANCIAL RESOURCES (CA)

My husband and I started the process of purchasing a new home in XXXX XXXX. We reside in XXXX and the new home is in XXXX. Our intent was to close by the end of XXXX to claim on our taxes for XXXX. Our loan officer made all these promises that he failed to come through on. The interest rate we were quoted and agreed upon rose considerably. He failed to contact us prior to the rise in interest rate. We were lead to believe that we were locked into the interest rate we were told. He said that he didnt lock it prior to the increase because " that could of cost us money ''. We went above and beyond to supply him with everything he requested. We paid extra for paperwork to be expidited, for appraisals to be expidited, we missed work causing loss of income. All this and we didnt close escrow until XXXX XXXX, XXXX. His lack of care, was evident during phone conversations between myself and our loan officer and my husband and our loan officer. His lack of concern for us has cost us plenty of money. We are not able to claim the cost of this purchase on our XXXX taxes. Our mortgage payment is considerably higher. We are trying to help ourselves when we retire. Our realtor is refusing to ever use this company again. He did not even apologize for his actions. He told me in a phone conversation that he just wanted it to be over with. Who says that to their client who has put their trust in them and is paying them their hard earned money? He needs to be held accountable for his actions. Nothing can be done about the late closing date but he needs to honor our original interest rate, even if it costs him. Our realtor has told us there is something he could of done for us to make this right. He has chosen not to. Thank You.
Consumer complaint received 2016-08-04
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

I had taken a loan out with Rushmore Financial. I fully wanted to pay it off within 4 weeks. I was in an accident and had a lumbar fusion. I was trying to contact them to hold off until after I return to work XX/XX/XXXX to pay off the loan. They will not work with me. 
I am not earning any money until I go back to work. I can pay off the loans XX/XX/XXXX. I borrowed {$500.00}. The payments are {$100.00} per week. The current loan balance now is {$1200.00}.
Consumer complaint received 2016-04-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Weinstein, Karp & Associates, Inc. (OH)

A " representative " by the name XXXX XXXX from Weistein Karp and Associates, continues to call and text me repeatedly at all hours of the day from blocked numbers. First and foremost, I do not answer blocked calls. Secondly, this person continues to leave " smart allec " and condescending comments in an attempt to belittle me. This " company " failed to follow appropriate collection activity that in turn, violated the Fair Credit Debt Collection Act. This person is using legal terminology in attempts to harass and cause intentional emotional discomfort. I have contacted local law enforcement because it now has become Menacing under the XXXX. This agent can not even pronounce my name correctly. This person continuously calls back to back from blocked/unknown numbers. Finally leaving inappropriate messages.