davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC. (NC)

I purchased a vehicle from XXXX of XXXX, North Carolina on XXXX XXXX, XXXX. The vehicle became totaled in an accident on XXXX XXXX, XXXX. It was financed through SunTrust Bank. There was GAP coverage through XXXX XXXX XXXX XXXX, a prior complaint to the CFPB from me ( Case # XXXX ) could not be resolved as XXXX was not an entity registered with your agency and the matter has been referred by you for further investigation. The initial comprehensive coverage on the car was paid promptly by my insurance company, XXXX XXXX XXXX. Despite a clear representation in the contract. " This addendum amends the Retail Installment Sales Contract /Lease Agreement, whereby the Dealer ( and, following any assignment, the assignee financial institution [ you-SunTrust Bank ] agrees to waive YOUR [ my ] liability for the difference between the " Amount Owed '' under your Retail Installment Sales Contract /Lease Agreement and the " Actual Cash Value '' of the Vehicle as of the date of the " Total Loss '' of the Vehicle resulting from a peril covered by the automobile insurance company, subject to all the terms and conditions contained in this Addendum. You, the Dealer, and the assignee Financial Institution [ you-SunTrust Bank ], agree that, in any event Your claim for a waiver under this addendum is honored, no fee or interest shall accrue on the amount waived following the date of loss. 

After a great deal of time and what I believe to be a deliberately contrived delay, the GAP amount was finally paid. Meanwhile SunTrust attempted to extract from me the full amount of the monthly payments under the installment agreement and despite their now having been paid by both the indemnity insurance company and the GAP coverage, they 're still attempting to extract the installment payments from me. Even though they may be owed the amount of {$540.00} ( See pdf XXXX ) They are attempting to extract {$840.00} ( See pdf XXXX ). They are continually calling on my cell phone, most noticeably on XXXX XXXX, XXXX when I was in an ambulance being transported from XXXX hospital to another having been diagnosed with a XXXX XXXX. I asked them to leave me alone and communicate solely in writing. Despite, that request, they continue to harass me by phone.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Over 3 years ago I received a loan from XXXX XXXX XXXX XXXX to purchase some appliances. Due to some unforeseen events I defaulted on the loan. Recently I settled the account. I started applying for a mortgage and noticed XXXX XXXX XXXX XXXX had this account coded as a mortgage. This loan nor any loan I had with XXXX was tied to a home or was secure. The loan was for appliances but no collateral was identified when getting the loan. In XX/XX/2020 I disputed this information with Experian and XXXX   both said XXXX verified the information. In XX/XX/2020 I sent XXXX a letter requesting they update my credit report to reflect this loan as an installment loan not a mortgage because it was not a mortgage. I am in the process of trying to get a mortgage. My credit report has been pulled multiple times and every time I try to obtain a mortgage, I am being told that I am ineligible because of a short sale. The way XXXX XXXX is reporting the account it makes it looks like I settled a defaulted mortgage not a defaulted loan. This account is hindering me from obtaining a real mortgage. When I contacted XXXX they provided me with a statement that said the loan was an installment loan not a mortgage but they continue to code this account as a mortgage on my credit report. Please see attached
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

3 years ago my ex-wife and I went into a branch at Wells Fargo to remove her from my account and to get her a new account by herself. The banker we met with did not take my wife off my account and then somehow joined my wifes new account with my already existing account. On XX/XX/18 {$300.00} was taken out of my account because my ex-wifes account was over drawn. On XX/XX/18 {$50.00} was also taken out of my account. After finding this out we both went down to the bank to fix this and finally have her removed from my account and to have my money refunded to me. The bank took her off my account but refused to return the money that was taken from my account.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MD)

I am filing a dispute with Equifax regarding an item on my credit report. However, the reason for this complaint is not the dispute itself, but the Equifax dispute process. 
My complaint is that Equifax clearly has my credit history and address history. However, when I try to file an online dispute, Equifax asks to 'verify my identity ' by giving me choices among credit transactions which are clearly not mine. As a result, I am told that 'The information you provided does not match our records so we are unable to process your request online. Please FAX your dispute and a copy of your driver 's license to XXXX. ' I maintain that this is merely a scam to make it more difficult to file a dispute. I gave Equifax my social security number and date of birth. Correct information ( with one item subject to dispute ) is clearly available on the Equifax web site. 
They gave me choices which clearly do not apply. When I answered 'None of the above ' to all of the questions, I was forced to go to additional trouble to register my dispute.
Consumer complaint received 2017-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc. (FL)

The company, Delta Management Associates, has contacted me three times regarding a debt that my mother owes. During both the first and second calls, I informed them to remove my name as a contact, and do not call me again. Today, I received a third call, and asked for the caller 's information in order to make a complaint. The caller 's name was XXXX XXXX.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Received notification from all three bureaus that my car payment was 30 days late for XX/XX/2023 when we are currently in XXXX and the payment is not due until XXXX XXXX. They have also reported me 30 days late for XXXX even though they received the payment on the XXXX day and not XXXX in which they continue to break the Credit reporting law that 30 days not XXXX. 

Many customers are having this issue with this company as they are violating. They are reporting my account 30-59 days late and it is incorrect and both XXXX XXXX AND EXPERIAN, XXXX, XXXX IS REFUSING TO CORRECT THE ISSUE. 

DUE TO THE NATURAL DISASTER IN FLORIDA AND MY BUSINESS CLOSED I CALLED XXXX IN WHCIH A REP STATES I COULD NOT GET A PAYMENT EXTENSION AND I HAVE UNTIL THE XXXX OF THE MONTH TO PAY AND NOT GO ON MY CREDIT AND I PAID THE XXXX. 

PLEASE READ ALL THE COMPLAINTS AS THEY ARE DOING THIS TO THOUSANDS OF PEOPLE AND THEY ARE WRITING THAT THEY REPORT 29 DAYS WHICH IS ILLEGAL.
Consumer complaint received 2021-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

this message is for USAA. i reported to them that the credit card on file and consumer loan on file was the result of ID theft. i filed a police report and ftc id theft/fraud report as well and will upload for them to see. no further contact by business after this. thanks.
Consumer complaint received 2016-12-19
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (GA)

On XXXX XXXX, 2016 Annie-Mac Home Mortgage gave me a good faith estate before the election. I submitted all the required loan documents and later told I met all the requirements of a refinance through email correspondents. I was explained to submit a credit card for an FHA appraisal of {$450.00}, which would be reimbursed at closing of the loan. FHA refinance home loan conditions and terms change due to my appraisal, which came in lower then expected. I was told By XXXX XXXX at the time of the loan they can go up to 85 percent loan to value. XXXX explained the refinance loan was still doable even at a lower appraisal. At this time during closing I was ask if I had any assets to liquidate to satisfy my DTI ratio to keep it around 50 percent with the current mortgage rate offer of 3.25 percent as promised. I then sold some of my company shock worth XXXX XXXX dollars to meet their requirement. I waited several days without any updates from XXXX or XXXX XXXX my loan processor in closing. 
XXXX XXXX ( processor ), explained when my deed update completes through titling we are set to close the loan in the first week of XXXX. After numerous calls recorded, XXXX failed to return any of my calls after submitting all required documents during closing, which I was explained the loan is approved and will close in XXXX. In the process I was told do not make my XXXX mortgage payment. After the election things became obvious that XXXX and XXXX was avoiding my calls. XXXX the company receptionist said, " I will not commit personally but this is n't right. '' After long hold times waiting to be transferred to speak with the above parties only got their voicemail. In XXXX, I had placed several calls to XXXX and XXXX without any return calls. I had to get Branch XXXX XXXX XXXX from the Florida office to have XXXX call me, which he did XXXX XXXX, 2016. XXXX explained the loan is still in the approval phase and working out the final details with escrow and with XXXX to go forward. Closing, I was told a follow-up call would be placed to me and not to worry about any rate changes. I then asked about my appraisal fee out of pocket. He explained the loan is on track and he would get back to me. After no followups I then contact the vice president of the company XXXX XXXX got no response. Then I called his assistant XXXX XXXX with the same results.
Consumer complaint received 2015-10-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paramount Recovery Systems, L.P. (LA)

I have been pregnant for the past 3 years. I have only went to XXXX XXXX. This company saying that I owe them and I never went there. It says it was open on XXXX 2015 well at that time I had medicaid and all doctor visits would have been covered. Plus I have insurance of my own with my job. I told them multiple times this is not my account. However they keep reporting to my credit report. When I know that it is against the law to do. With death validation and if they do n't have all XXXX legal binding documents which I know that they do n't because it 's not mines.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (WV)

I took out private loans through sallie for my XXXX degree. Upon graduating, I was told my monthly loan payment would be over {$1100.00} & that there was no other option for me to repay unless I went by their repayment plan. That amount is not even a logical amount. The only other option they gave me was to go back to school & defer my loans, allowing them to collect even more astronomical interest. This lead me to have to consolidate my loans through another company just to get a lower payment because there 's no way I could afford to pay them over {$1100.00} a month with interest rates about 13 %. This company does not work with you or help you to repay loans at all. It 's impossible to get out of debt with them. Not to mention, having loans out through this coming any has destroyed my credit score.
Consumer complaint received 2016-01-28
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Collection Bureau of the Hudson Valley, Inc. (OH)

Received a voicemail from the collection bureau of hudson valley attempting to connect on a debt that is to old to collect on. .i sent then a letter in writing upon receiving collection attempts XXXX then via mail that this debt is from 7 years ago. Please cease and desist from contacting me. .apparently they digs not follow this request..
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

My current loan servicer is Navient and I believe that I have been failed by the company during the repayment process of both my federal and private loans. Some issues include : 1. I had to set up automatic loan repayment on 4 separate occasions. Each time I thought that the auto payment had been set up Navient sent me a confirmation but when the loan was due they did not withdraw payments. This resulted in 3 late payments that are now recorded on my credit score as well as interfered with my loan+interest payoff. When I asked for an explanation they said it was the fault of my bank. 

2. I had called Navient with multiple requests to lower payments and refinance. I was never given the option to lower a payment and was told I was not able to refinance or consolidate my loans.
Consumer complaint received 2016-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: IQOR US INC (GA)

This is/was a ParentPlus student loan for my daughter, apparently in my name, from approx. 2012 & financed through XXXX XXXX. My daughter ended up on academic probation for XXXX semesters, during which we paid interest on the loan. ( I believe this must 've triggered some automated 'loan is in repayment ' mode. ) When she was reinstated, all loans went back into deferment. Allied Interstate called me about this loan once approx. 2 years ago, and I explained the probation/deferment situation. I understood this to be the end of the problem. I heard no more until XXXX of this year, when I got a notice from my employer about garnishment! It 'd been sent to default erroneously, a month before my daughter even graduated! I contacted Allied, & was given different numbers, amounts, and instructions each time- but no one could tell me any of the specifics of the original loan so that I could provide proof of deferment. I finally got it escalated to a manager who was able to tell me the amount of the original loan. Through a great deal of research, my kid was able to find the detailed evidence we needed on her student portal. I faxed this proof in as instructed, 2 1/2 months ago. Despite my sending proof and several follow-up requests, I 've yet to hear back or see my paycheck restored. When I call, they tell me to call the Dept. of Ed. ( When I call DoE, they say talk to Allied! ) Meanwhile, I 'm left without the funds to cover my XXXX, as they are taking out {$600.00} every month. Loan Ref. # XXXX
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent out my complaint to TransUnion on XX/XX/XXXX for the following inquiry XXXX/ XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX I have not Received any documents in a timely manner towards the Investigation
Consumer complaint received 2016-10-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (SC)

I 'VE BEEN HAVING ISSUES WITH MY WELLS FARGO ACCOUNTS FOR SEVERAL YEARS NOW BUT EACH TIME I HAVE CONTACTED A WELLS FARGO REPRESENTATIVE ABOUT MY ISSUE I NEVER GET A ANSWER THAT I 'M COMFORTABLE WITH. I 'LL CHECK MY ACCOUNTS AND I WILL HAVE A CERTAIN AMOUNT THEN THE NEXT DAY MY BALANCE WILL BE EXTREMELY LOWER THAN IT WAS THE DAY BEFORE, WELLS FARGO WILL ALWAYS SAY I HAD PENDING TRANSACTIONS THAT DID N'T CLEAR YET BUT I KNOW IT 'S NOT TRUE BECAUSE I KNOW I DID N'T SPEND THAT AMOUNT BUT IT WAS NOTHING I COULD REALLY DO BUT EXCEPT WHAT THEY TOLD ME WITHOUT ANY SOLID EVIDENCE. THIS HAS BEEN HAPPENING FOR YEARS NOW AND IS STILL HAPPENING TODAY. I FIRMLY BELIEVE WELLS FARGO IS STEALING MONEY FROM MY ACCOUNTS BUT THERE IS NO WAY I CAN PROVE THIS WITHOUT A THOROUGH IN DEPTH INVESTIGATION AND EVIDENCE.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (PA)

Credit card company only provides 20-day grace period for credit card payment due date ( calculated from statement closing date XXXX, instead of the 21-days required under federal law ( from statement mailing date ). Also, statements are mailed out late, since they take over 7 days from the statement closing date for me to receive, and USPS first class mail only takes 2-3 days. The 21-day federal minimum is supposed to apply from the date the statement is actually MAILED, which is why most credit card companies have a 25+ day grace period. Even if they mailed out my statement ending XXXX XXXX 2015, on that SAME DAY, I still have 21 days to pay by federal law ( not 20 days ). My XXXX XXXX payment was made on the 21st day after the statement CLOSING date, but was still considered 1 day late, and interest charges for the entire previous month were assessed! Their due date practice of 20-days after statement closing date is illegal and deceptive.
Consumer complaint received 2017-03-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Santander Bank Mail Code:XXXX XXXX XXXX, Pa XXXX continues collection efforts in reference to Account Number XXXX after receiving written notification by XXXX and XXXX to cease all communication regarding this account. The attached letter was sent in XX/XX/2016 and Santander Bank continued to send four additional months of late notices after the cease and desist notice. In addition they continue collect efforts after receiving written notice from my attorney XXXX from XXXX, XXXX, XXXX. These actions are in direct violation of 15 USC 1692c 805. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated. In addition 15 USC 1692d 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

Over 3 years ago I received a loan from Navy Federal Credit union to purchase some appliances. Due to some unforeseen events I defaulted on the loan. Recently I settled the account. I started applying for a mortgage and noticed Navy Federal Credit union had this account coded as a mortgage. This loan nor any loan I had with Navy was tied to a home or was secure. The loan was for appliances but no collateral was identified when getting the loan. In XX/XX/2020 I disputed this information with XXXX  and Transunion both said Navy verified the information. In XX/XX/2020 I sent Navy a letter requesting they update my credit report to reflect this loan as an installment loan not a mortgage because it was not a mortgage. I am in the process of trying to get a mortgage. My credit report has been pulled multiple times and every time I try to obtain a mortgage, I am being told that I am ineligible because of a short sale. The way Navy Federal is reporting the account it makes it looks like I settled a defaulted mortgage not a defaulted loan. This account is hindering me from obtaining a real mortgage. When I contacted Navy they provided me with a statement that said the loan was an installment loan not a mortgage but they continue to code this account as a mortgage on my credit report. Please see attached
Consumer complaint received 2015-11-25
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (FL)

My husband and I applied for preapproval with Freedom Mortgage wherein they submitted an email to my landlord indicating that we had great FICO scores and see no reason why we would n't be approved for a mortgage loan. After providing our driver 's licenses and other identifying information which revealed our ethnicity, we were asked to supply a numerous amount of documentation that was not relevant to the loan application. We were subsequently denied a mortgage loan.
Consumer complaint received 2016-11-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (NY)

Discover credit cards have a rotating 5 % cashback category. The categories are intentionally ambiguous so that consumers do n't know whether they are in category or not. The current category is " department stores ''. I utilized the Discover Card at XXXX stores, only to find that XXXX is not classified as a Department store but rather as a " discount store ''. The definition of " department store '' in the dictionary is a store with many departments, which is clearly what XXXX is. Credit card companies should be required to specifically define what these categories mean. This is not the first time I 've been burned by Discover. I asked Discover to make good on its promise of 5 % and they refuse. I could have received 5 % using my XXXX credit card, but instead used Discover. My net loss is {$75.00}.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For a period of time, Bank of America, basically locked me out of my account for no good reason and in that time it caused me to default on my car payment and eventually resulting in my car being repossessed. Not only was this extremely embarrassing but, it also put a mark on my credit report and costed me upwards of around {$2400.00} to not only get the car out but, to have to pay the finance company late charges and added fees i otherwise wouldnt have had to pay if my account wasnt locked out. I tried to settle this via the Bank of America XXXX XXXX XXXX but, they refused to accept my paperwork as evidence which doesnt make any sense whatsoever