davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Business and Consumer Solutions. (CA)

Original complaint filed XXXX/XXXX/XXXX - Case Number XXXX. Response from CFPB received XXXX/XXXX/XXXX with the Response : " FBCS has removed all this third parties information. There will be no more calls or letters to the individual. '' FBCS lied to the CFPB. On XXXX/XXXX/XXXX, I was alerted that FBCS placed a bad debt notice on my wife 's credit report despite the fact she is not the person who owes the debt. Her name is not the same, she has never been a XXXX XXXX customer. She has lived at the same address as me since XX/XX/XXXX, and XXXX XXXX has no service contract in our area, so neither of us could possibly owe XXXX any money. 
XXXX has been contacted to dispute the debt and the bogus name that FBCS falsely reported as being an alias. This company is lying every way it can to extort a payment we do not owe. Seriously, our credit report indicates every account we hold is paid in full every month and has been for years, covering tens of thousands of dollars. This is an extortion attempt over {$290.00}. This is a stupidly small amount and if either of us owed it, we 'd pay it outright ... BUT WE DO N'T AND WE WO N'T PAY IT. 
Not only does FBCS need to back away from their demand, they also need to clear the fraudulent alias they filed with Experian from my wife 's credit report. There is no " XXXX XXXX '' in this household, never has been, is not an alias my wife has ever used and FBCS 's claim otherwise is a lie. The company is doing damage to my wife 's actual good name and good standing, which is criminal.
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

DiTech Financial took over my loan from XXXX XXXX XXXX in XXXX of 2016. I pay my bills through XXXX XXXX XXXX pay and schedule this bill to be paid at the same time each month. things were great until XXXX when I received a notice that my payment had not been received. I called DiTech immediately to find out what happened. All they could tell me is they will investigate. This happened again in XXXX. As of today, they still can not find my payments and now I have received a foreclosure notice. XXXX XXXX has sent the payment and even conferenced in with DiTech to try and resolve. Each time I call DiTech I start over with a new rep that basically can do nothing to resolve my issue. I 'm not sure where to turn now.
Consumer complaint received 2016-05-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Financial Business and Consumer Solutions. (CA)

On XXXX/XXXX/2016, I was phoned at XXXX by FBCS Consumer Contact Solutions, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX. FBCS is XXXX This call was not only in violation of the Federal Fair Debt Collections Practices Act, but as a California Resident, it was also in violation of California 's XXXX My carrier is XXXX, and I would be happy to supply the phone record of the incoming call at XXXX XXXX from phone number XXXX to my phone number.
Consumer complaint received 2024-07-18
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-18
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (NC)

Good afternoon. In XX/XX/XXXX we began a refinance process with our current mortgage company, Freedom Mortgage. Of course, as requested, we submitted all paperwork and documentation as it was requested and in a very timely manner. We were told that we would close on several different dates, all of which never happened. Yesterday we were told that our rate had expired and that we would be responsible for the penalty even though we had followed all of the directions and requests. The penalty would increase our mortgage payment by over {$100.00} a month ... .not making any sense to refinance if that 's the case. We were told even though we had done what we were responsible for, we would pay the penalty and there was nothing they could do. Unacceptable
Consumer complaint received 2015-07-02
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Avant Credit Corporation (IL)

XXXX XXXX WAS SETTLED OUT OF COURT AND TRADELINE WAS SUPPOSE TO BE REMOVE FROM XXXX AND XXXX. ( SEE ATTACHED ) ALSO, VIOLATED T.C.P.A. VIOLATIONS CALLING MY HOME AND CELL NUMBER AFTER SENDING CEASE AND DESIST ETC..
Consumer complaint received 2015-06-05
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo Home Morgage is sending me Certified Letters referring to " my loan '' that is in default for a home loan I never entered into. My spouse refinanced a home loan in XX/XX/XXXX and I was never on the application, never signed and never entered into any financial obligation with Wells Fargo. Since my spouse had this debt discharged in bankruptcy in XX/XX/XXXX, Wells Fargo Home Mortgage is attempting to collect from me. THIS IS NOT MY DEBT. I never signed any Promissory Note, loan application or other loan documents. I also completed a Quit Claim Deed in XX/XX/XXXX in which I released/conveyed any legal interesest in the property. Wells Fargo Home Mortgage should not be sending me any correspondence and I should not even be involved as I am not an owner and NEVER participated in, not signed any loan documents. This is not my debt. They are threatening to take action and I do not have funds to hire attorneys. They know this is not legally my debt and they know I am not an owner of this property. They have ignored correspondence reminding them of this. I need help to have them stop harassing me for a debt that is not mine. Wells Fargo is known for deceptive and unethical business practices as evidenced by court cases involving this. I have many medical issues and unable to work and therefore, am not able to deal with being illegally harassed for debt that has never been my debt and for issues regarding a property for which they known I am not an owner. Please help me stop the harassment by and unethical, illegal practices by Wells Fargo Home Mortgage. Thank you!
Consumer complaint received 2016-09-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/2016, I made a car payment via Ally Financial 's website. The payment was to pay my XX/XX/XXXX car note. Though the payment was late, it was NOT 30 days late. The payment was made via the website to assure I would not go over 30 days. Eventhough, I paid the payment via the company 's online website on XX/XX/2016, the payment was due on the XX/XX/2016. Apparently, because XX/XX/2016 was a holiday, Ally did not give me credit for the payment until XX/XX/2016, which is date my bank account was debited, not the day I actually paid the payment. Because of this, my payment was flagged as a late 30 day payment and late fees were assessed. Ally credited my account the day the money was debited, instead of the day the payment was actually made on their website.
Consumer complaint received 2015-07-04
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: ROC Asset Solutions, LLC (IL)

SKIP TRACED ALL FAMILY MEMBERS CELL, WORK, HOME NUMBERS CALLED AND WILL GO TO JAIL IF YOU DONT PAY! IN VIOLATION OF FTC, FDCPA, TCPA, FCRA ....
Consumer complaint received 2016-02-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I received a collection letter from XXXX claiming I owe Fifth Third Bank of XXXX OH {$1600.00}. I have never done business with this bank and have no debts other than XXXX and XXXX credit cards, which I pay off monthly, and my home mortgage with XXXX XXXX. I have read on the internet of others receiving false claims for Fifth Third Bank through XXXX. My identity was stolen several years ago. It took me a year to straighten it out, and I have no patience with this type of thing now.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caneel Capital, LLC (CA)

back in XXXX I had some difficulties to pay my mortgage, first and second loan I could work with XXXX XXXX services who had my two loans, they helped me with the first loan but the second loan they did nothing with, after they went to bankruptcy the second loan disappear no one could give me any information, two years later a company appear trying to collect XXXX XXXX dollars, but I did not had any money to work with them, now eight year later appear trinity financial, now they have my house for sale on XXXX/XXXX/XXXX
Consumer complaint received 2015-10-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Strategic Alliances, Inc. (FL)

I have been called again about XXXX XXXX XXXX who is using my phone no. as his. I have a case pending and now have XXXX more agents trying to collect from me. The First financhial asset management from XXXX Fl. XXXX and a call today from XXXX New York XXXX. They did n't give me there name. This has gone on now for over two years and i had my phone no over 14 years so know he is illegally useing my no. and they are harrasing me about it again. Please open a new account to stop this from going on. Thanks You
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OR)

Tax lien {$2600.00} Status Unreleased & XXXX XXXX XXXX {$10000.00} Unsatisfied were both discharged through bankruptcy XXXX XXXX 2016 but still show on my XXXX & Experian Credit Report. I am trying to get a mortgage loan but need this cleaned up. It took me several days to finally be able to report the disputes. I still can not access my free credit report from XXXX. I had no problem with XXXX, it was resolved in less than 12 hours. I have a XXXX ill XXXX son living on the streets that I need to help with housing. It is vital that the credit reports are cleaned up as soon as possible.
Consumer complaint received 2017-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NY)

Freedom Mortgage misappropriated a refund check from our insurance company to our escrow account to our principal. This was done even though we sent the check with a letter stating exactly where the money was to be placed. They gave us the language to use in the letter. This error was not realized until there was an escrow analysis done and we were notified that we had an escrow shortage. There was no way to access our escrow account on line and we were unable to see the running balance. We contacted Freedom Mortgage and they said they would investigate. Without contacting us they transferred money from our principal to the escrow account. This was an issue as they did not apply it to the escrow shortage account, therefore we were still showing an escrow shortage. This issue took 10 phone calls and 20 hours. We are still paying money to this shortage and we are not convinced that there is an actual shortage because they have not provided evidence. We asked to have our PMI removed and were told we needed to have an appraisal. We have paid for the appraisal from their providerand submitted to Freedom Mortgage. When we call customer service they say that we were approved to have PMI removed from our account on XX/XX/2017. We have received no notification from freedom mortgage. We paid the PMI for XX/XX/XXXX as it was still indicated on our bill. If we did not pay it would be denied as an insufficient payment. Our XX/XX/XXXX mortgage payment still indicates the payment required for PMI and we are still paying the escrow shortage!!!!!!. We have called every day and we are told that they are emailing the escrow department. There is no one to speak to. You can either get a very sympathetic customer service representative who tells you that they are sorry and they know that this is wrong, or you get someone who is very rude. If you ask to speak to a supervisor they put you on the phone with a deescalation member who is not a supervisor. There is no accountability with this company they give empty promises of sending e mails to the department that can help you and than you never hear back. We asked to pay our own taxes and insurance an we were told since our PMI cancellation was approved we were being released from that obligation. When we called to ask why our bill still has us paying taxes and insurance to escrow we are told they may want to wait a few months to make a payment in XX/XX/XXXX? We never speak to a bank official we only speak to customer service representatives who have no definitive answers. This company is a predatory lender they use smoke and mirrors to misappropriate funds and they are not servicing my loan appropriately.
Consumer complaint received 2015-11-06
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

I have a mortgage loan with Fifth Third Bank, unfortunately because of the economy I failed my mortgage payments on XXXX, my house has a sale date on XXXX/XXXX/XXXX, obviously I do not want to lose my home, I have a family, it is my heritage for me and my family. I am trying to make a loan modification, but there is a person, XXXX XXXX, who works in Fifth Third Bank, she is the point of contact, the only person who can I talk to to get status of my loan modification, but she is very unprofessional, from the begin she told me that she will not review the work out package because I had three years with out pay my mortgage and I do not qualify with out reviewing the work out package, finally when she review my work out package, on XXXX/XXXX/XXXX she advise that she will close the file for missing documents, I even did not know that those documents were missing because is very hard to contact her, she never is at her desk, always there is answer machine and never responds the messages, finally she gave me until XXXX/XXXX/XXXX at noon to send the missing documents, if the documents are not faxed by that time, she will close the file. The required documents were XXXX, Tax Return XXXX and Hamp hardship Affidavit, I sent the documents on XXXX/XXXX/XXXX, I called to the bank on XXXX/XXXX/XXXX to confirm I sent the documents, I spoke to XXXX he said the status has to be with XXXX XXXX, tel : XXXX ext. XXXX, I called her no answer, I left a message for her in her voice mail, she does not call back, on XXXX/XXXX/XXXX I called her again, answer machine again, I called to the bank tel : XXXX, I spoke to XXXX, she said the file is closed for missing documents I explain that I sent the documents on time XXXX/XXXX/XXXX, she said I have to talk to XXXX XXXX directly to get status, I told her it is very hard to contact her, she said she will send a message to her contact me, she call and let me know the case was closed, I ask why and she said for missing documents, I told her I sent the documents, she said the hamp hardship affidavit is missing, I told her I sent it and it is signed by the Borrrower and Co-Borrower, she said she needs one signed by the Borrower and another one signed by the Co-Borrower, the file is closed and there is no way to re-open it. It does not make sense for me, the form has XXXX signatures, I thing she does not want to help the homeowners, I feel like there is a discrimination. I really need help with this, I do not want to lose my house.
Consumer complaint received 2015-04-21
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MA)

I hold a VA home mortgage with Freedom Mortgage company. In having my XXXX completed I was informed by my tax lady that I had paid over {$1000.00} in PMI too Freedom Mortgage in 2014. I have a XXXX from Freedom Mortgage showing PMI payment. As this is a VA loan there should be no PMI and the previous Lenders of my mortgage have not charged PMI. I have attempted to clear this issue up with Freedom Mortgage by no less than XXXX different means. Through direct phone calls to their Customer Service as well as emails and phone calls directly to individuals and have not received any resolution or correspondence from either
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (CA)

On or around XX/XX/2024, I visited the XXXX XXXX website looking for a consolidation loan. This led me to a series of loan options from One Main Financial, which were high-interest but did not appear to be title loans. I had no intention of using my car title for a loan.

I began an online application with One main Financial but decided not to complete it once I realized the distinction between title loans and standard loans was unclear. The next day, I received at least two phone calls from One Main Financial. They were asking me to finish my application. During these calls, I told them that I was not interested in a title loan and made it clear that I was okay with my application remaining incomplete.
Despite this, a hard inquiry appeared on all my credit reports, which I did not authorize. I suspect that someone from the company may have submitted my application without my permission and then denied it, as I had never completed the process myself. This raises concerns about their sales tactics.

Additionally, I believe One Main Financial used misleading tactics by not clearly labeling their loans as title loans, tricking customers into applying for
something they may not want.
Consumer complaint received 2016-05-03
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

We applied for a Home Equity Line of Credit with Fifth Third bank XX/XX/XXXX. On XXXX XXXX, XXXX we were advised by the Fifth Third, XXXX Branch Manager, that the application was in a holding pattern, but we had " conditional approval ''. We then verified, via e-mails with the Branch Manager on XXXX XXXX & XXXX, that once our XXXX property closed and we provided the closing statement, only a clean title search and property appraisal for our XXXX home was needed to close the loan. 
Our XXXX property closed on XXXX XXXX, XXXX. The appraisal on our XXXX property was completed on XXXX XXXX, XXXX. Then, in XXXX, XXXX we learned that Fifth Third actually wanted us to use the new line to pay off credit card vendors, thus insuring that Fifth Third bank would receive interest payments. This is when we also learned that our business and personal income had been understated because underwriting discounted a substantial amount of our income. Why after we were given conditional approval based on the sale of our XXXX property would underwriting now change the rules of the game by requiring us to immediately start using the line of credit and then inform us they inflated our debt to income ratio by discounting income? 
This process has taken way too long and we would like to move on. We have requested written notification from Fifth Third bank as to whether we are approved or not approved for their HELOC based on the information provided to them as late as XXXX XXXX, XXXX. We are not willing to provide additional information if they are going to arbitrarily discount income. If Fifth Third is willing to accept all income, we can provide documentation for a business car loan. 
In addition, we would like to better understand why a bank would require a consumer to immediately use a line of credit rather than offer us a lower line of credit? Fifth Third bank was going to require us to pay credit card vendors that they named rather than simply advise us that our debt needed to be reduced by {$30000.00}. Of course, we later found out that our debt to income ratio was inflated because our income was being deflated. 
We have excellent credit and simply wanted to acquire this line of credit while we were still in good health and able to work. This process has been stressful for no good reason and no one at Fifth Third bank will give us answers that make any sense. We are still waiting for written notification on the status of our loan as of XXXX XXXX, XXXX.
Consumer complaint received 2015-11-10
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

Someone use my Prepaid Card. I ask the bank to put the credit back on my prepaid card. the transaction is on : XXXX/XXXX/2015 for {$43.00}. it is for pageplus cellular. I told them I do not do this.
Consumer complaint received 2016-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (TX)

We are in the process of refinancing our home with Freedom Mortgage who is also our current mortgage servicer. The underwriter is treating our loan as if we do not currently have a loan with the company and as though we are behind on our loan or have ever been. Our appraisal came back at XXXX % LTV which would not allow for us to have the PMI removed. I requested to have an updated loan estimate to include the PMI from the processor as well as the loan officer and I did not receive this information. I would like this information to be able to make an educated decision on my refinance options to know if it would be worth it. This has been the worst refinance experience ever. If I had a choice of a new servicer then I would certainly take it.