davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX, 2017 I initiated an international wire transfer in amount of exactly XXXX USD from my banking institution, " TD Bank '', to a recipient institution, called " XXXX XXXX XXXX XXXX '', located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, whose SWIFT # XXXX, beneficiary account # XXXX. Transfer took place from my TD Simple Savings account. I found out that my wire transfer has not been received by the recipient institution, however, my banking institution does not refund me money. TD Bank started the investigation, but there is still no result after more than one month. I want TD Bank to refund me my {$5000.00} and any fees associated with a transfer because the recipient did not received these funds. It should not take that long for TD Bank to confirm that my funds were never received, thus such funds should already been credited back to my account. I am asking your governmental agency to compel TD Bank refund me {$5000.00} PLUS bank FEES associated with this wire transfer, since the service was not provided. Otherwise, I will definitely sue TD Bank for {$5000.00}, plus fees and expenses associated with the litigation and I will never again have any business with this bank. I thank you very much for your assistance.
Consumer complaint received 2017-06-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: PRACTICAL VENTURES, LLC. (TN)

I received a loan from them 3 years ago! I paid faithfully {$75.00} twice monthly for 3 years which comes to an estimated cost of {$3600.00}. The loan was {$420.00}! I told these scam artist that I could no longer afford this loan and I have paid this loan in full over the course of 3 years. I would go in to pay and give them {$500.00} cash and they would return {$420.00} to me. In the first year of this loan the ladies XXXX and XXXX would only take the {$75.00} fee and a new check. The last two years I would give them {$500.00} cash and a check written for {$500.00} and they would give me my own cash back of {$420.00}. I asked the ladies to help me that I could not continue to do this SCAM WITH THEM FLIPPING MY OWN MONEY $ $ $ . They threatened me, called my phone and my family 's phone and employers phone all day long. HARASSED EVEYONE VICIOUSLY!! They then filed papers against me with court date in TN to garnish my paycheck in AR where payday loans are illegal. They also used two different attorney office XXXX XXXX XXXX AND XXXX XXXX XXXX IN AR! I live in TN!! XXXX AND XXXX BEFRIEND YOU AT AAA CASH FAST AND THEN WHEN HELP IS NEEDED THEY TURN INTO SPAWN OF XXXX!! XXXX AND XXXX YOU TWO ARE SCAM ARTISTS AND I HOPE YOU SLEEP WELL BY THIS SCAM THAT YOU HAVE YOUR HANDS IN. GRACE AND MERCY TO YOU BOTH AND I KNOW THAT YOUR BILLS ARE NOT BEHIND ARE THEY!!!?? AND YOU ARE NOT A BBB BUSINESS ; YOU ARE XXXX MONEY SCAMMERS!! Be BLESSED AND LORD HAVE MERCY ON THE SEEDS YOU HAVE PLANTED!!!
Sincerely, GET YOUR MIND RIGHT-XXXX
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

Experian Received my Letter XXXX/XXXX/2017 which contained an FTC Fraud Affidavit of the adverse actions on my credit file. they have yet to delete the Address on my file as they say it is mine and they are stern and stiff at removing this incorrect address. the address in question is '' XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX '' .My Address has always been XXXX XXXX XXXX XXXX , Wa XXXX. If Experian still deliberately fails to honor my disputing of this incorrect data on my file, they will leave me no other choice than for me to contact my Consumer Protection Attorney and file suit for negligent non-compliance and Grievous VIOLATIONS OF FCRA reporting of inaccurate information!
Consumer complaint received 2017-06-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Specialized Loan Servicing Holdings LLC (AZ)

Loan extension requested from ten year term -- -- to more additional years on time payments-NOT AN OPTION! INSTRUCTIONS- The company made it an application loan modification ... XXXX XXXX Sent many faxes with delays-185 pages-SHOWING ASSETS AT XXXX CASH and two homes no consumer debt late payments -or concerns- Many delays- Called with Delay rejected underlined items vs. circled line items then went to bank circled items and rejected cause header information was not on the page only showed the account number which matched the prior submission. Required me to send three times delaying pkg from XXXX XXXX to XXXX XXXX XXXX still 60 days from payment being late- These policies delayed kit from going to loan underwriting for 5 months. 150 days! Told thirty-days evaluation was required -- - XXXX XXXX XXXX They needed more time no commitment to when my decision would be made. XXXX XXXX XXXX They requested XXXX payment and two more trial payments of XXXX without any commitment I submitted this early-There is no reasonable explanation for late payments. " Loan was current and paid XXXX XXXX bill payment from XXXX XXXX but was rejected for interest only -- and returned not the full balloon payment -- for 121st payment. On XXXX XXXX XXXX Received loan modification for nine years only payment XXXX was XXXX prior- XXXX first mortgage exists with escrow account total is not viable. So no workable deal was made being disabled -- -a 20- year product would be viable -standard in loan industry today they made it nine. Want to refinance to reasonable payment-now lenders will not- Can not secure a loan with late notes on mortgage -- - forced to five percent interest and payment is not AFFORDABLEn with nine years as term for interest and balance after XXXX reductions in the process. Most probably I will be forced to sell my home. This is not fair or reasonable -policies favored investors and have not been true and forthright-correction needed.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (IL)

I was the victim of identity theft in XXXX 2017. I have called XXXX XXXX XXXX, XXXX and Victoria Secrets to let them know I did not apply for cards with them but it was identity theft. After 30 days of not hearing back I then mailed them letters stating that I did not try to open an account and I wanted them removed from my credit report. Sadly, I have not heard back from one of the companies above in reference to this or how they are going to remove from my credit report?
Consumer complaint received 2017-06-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (AR)

I have a mortgage with NationStar ( they recently purchased the loan from XXXX XXXX XXXX on XXXX XXXX, 2017 ) and the have been making extra charges on my checking account ( XXXX XXXX XXXX XXXX ) multiple times per month. I called to try to get them to stop and they, first, told me that they had no records of the charges, then after some persistence they finally admitted to seeing the charges. When I asked the to stop the charges they said they could n't. I eventually closed my checking account and opened a new one, but have n't made a payment since ( giving them my checking acct number is the only option to pay they will give me ) because I do n't want them to start trying to steal any money from that account. I checked my account history today and they erased those charges, but I took screen shots of the fraudulent charges they had posted in previous months. The amounts were : {$2300.00} on XXXX XXXX, 2017-XXXX2017-XXXX2017 & XXXX/XXXX/2017 {$2300.00} on XXXX/XXXX/2017 {$1500.00} on XXXX/XXXX/2017
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX -BALANCE {$5900.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX {$19000.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX -BALANCE {$59000.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX # XXXX -BALANCE {$340.00} DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Earnest Inc. (CA)

Hi i inquired about school loan consolidation with this company called earnest. the form was online and I did not know that they were going to check my credit they just said i can find out about lowering my rates on my loans. later i saw they did a hard inquiry on the credit file. The inquiry is on   XXXX   from  XXXX   XXXX ,    2017  ..I sent them a certified mail requesting them to remove it and they would not. I also talked to someone by phone at their company who also said they would not remove it although they had no evidence that i approved this inquiry. So now I am contacting you for help since they will not do anything about this.
Consumer complaint received 2017-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Promotional material s from Synchronicity Ba nk stated the annual fee for a "  XXXX   XXXX   XXXX  '' would be waived for the first year. The first billing statement, however, charged mea a  XXXX  fee. This is an obvious attempt to collect a fee which is undisclosed in the hope the consumer will not notice.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from WFDS which was made on XXXX XXXX/2016. I checked my credit report, which I acquired from XXXX. I have contacted WFDS, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Consumer complaint received 2017-06-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (TX)

I have repeatedly reached out to Jefferson Captial systems regarding a collection ( debt ) listed on my credit report for {$1100.00}. Jefferson Captial Systems can not validate that I directly owe them a debt. The original creditor is XXXX XXXX & by law if you are not the original creditor you can not collect a debt that it not solely owed to you. XXXX XXXX has received their funds. I would like this company to remove the negative, enormous information fron my credit report.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

After a recent review of my credit report I noticed that there are  inquiries ( aut omobile dealers ) that I did not authorize. I contacted  XXXX ,   XXXX   and Equifax of this issue on m ore than one occasio n and to date still no resolution. I am aware that inquiries are to tell if you qualify for an account and I have no current account regarding an automobile with none other than  XXXX   XXXX  and  XXXX . As a consumer I am disappointed in the fact that this could not be resolved directly and I was left to file this formal complaint. Please remove all automobile inquiries exce pt the two m entioned prior.
Consumer complaint received 2017-06-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (AZ)

Complained to financing company about the vehicle being defective. Ca n't trade in the vehicle due to manufacturer defec t. Vehicle leaks gas and has electrical issues. As a consumer, I should n't have to continue pay for a Vehicle that has  issues. Especially when the customer has a defective product and has complained about it numerous times.
Consumer complaint received 2017-06-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Brennan & Clark, Ltd., LLC (CA)

I started receiving a voice message for something I am not related at all.
First voice message : Monday XXXX XXXX, 2017 at XXXX ( PST ) This is XXXX XXXX with the offices of Brandon and Clark my -- -- -concerning your other time senseitive legal matter that I am assuming you 'd prefer to address the -- -- - escalates but in order for you to accomplish at this point it 's imprerative that you contact me immeediately my phone # XXXX extension is XXXX.
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Second voice message : Wednesday XXXX XXXX, 2017 at XXXX ( PST )
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I went to XXXX XXXX located in XXXX, Illinois and I was applying for an auto loan and I was informed that my credit wouldnt be ran more than once but to my knowledge after reviewing my credit reports there were two inquiries listed on my credit report that I didnt recognize nor gave authorization to check my credit report. The inquiries l that i was not aware of is listed below. 

XXXX. ) XXXX XXXX XXXX. ) XXXX  XXXX
Consumer complaint received 2017-06-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Stearns Ventures, LLC (CO)

XXXX   XXXX ,  2017   Loan Estimate was p rovided with a {$14000.00} credit. Tha t 3 page Loan Estimate was signed by me the borrower and did n't show where the {$14000.00} credit was accounted from and had to be assumed as a lender credit, see attachments. A five page fin al disclosure was sent on  XXXX   XXXX ,    2017  showing the credit removed with no legal explanation. See attachments.     The loa n officer  at  XXXX   XXXX   XXXX ,  XXXX  tried to explain that this was because of gift money. But in actuality was a numerical clerical error. Since the gift money was not to be held by the closing company a s 3rd party  funds this was not to be a credit. They incorrectly categorized the funds as a gift and tried to correct their error.     The gift was received in  XXXX  and was not related to the home purchase but was for wedding/honeymoon expenses. I had to disclose the money to the lender because of a 60 day review. In fact, current secured funds exceed the amount required by tens of thousands of dollars. The {$14000.00} is not required to meet the down payment.     Accordin g to 1026.38 ( i ) ( 8 ) ( iii ) they  are required to explain any changes and have refused to do so on the existing final disclosure.  XXXX  offered to resubmit a correc t LE in  order to correct their error and I have rejected that offer, and it is borderline coercion. This is a numerical clerical error and should n't be legally allowed without firm explanation. This change was not due a borrowers changed circumstance. The change was due to errors on behalf of the lender.
Consumer complaint received 2017-06-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I have over {$130000.00} in student loans that are split about 50/50 between between private and federal. My private student loans are then broken down into 6 separate loans which all carry different loan amounts, interest rates and minimum payments. In order to keep my account current I set up a single monthly auto-debit from my bank account that 's allocated over each of the 6 loans every month. This is the payment structure that was recommended to me by Navient representatives. If I want to change my payment plan at any point I would need to do so for all 6 of my private loans again so that the payment would be enough to cover them all. The fact the loans are for different amounts and have different interest rates does not seem to matter to Navient when dealing with making payments. If at any point down the road the payments are not made, missed, or the amount is not enough to cover all the loans, Navient will list the default by individual loan turning one issue into 6 separate issues and absolutely destroy my credit in the process. My issue, in short, is the fact that Navient will view all their payment vehicles and loan programs as if all your private loans were one big loan ... .but they 'll view any sort of negative activity or adjustment as if the loans were all separate. I do n't understand why I 'm unable to consolidate my loans because I have poor credit ; my poor credit is being caused by trying to manage all the different student loans I have listed ; and everything I do right get 's me a single " pat on the back '' while everything I do wrong costs me 6 separate lashings.
Consumer complaint received 2017-06-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LOAN SIMPLE INC. (GA)

I started working with XXXX XXXX in late XXXX while I was XXXX. At the time he was working at Loan Simple and told me to go find a house I liked quick so I could bring my XXXX to a new home ( XXXX ) and did n't give me any numbers for the loan. Just said " I 'll make it work ''. Well after finding a home, which was {$160000.00} I was told that the taxes were too high so get my {$1000.00} earnest money back. So I started looking again and I was told he could get me a XXXX county DPA for {$10000.00} so just do n't go over XXXX with taxes at 1 %. So we looked again and I found a house in XXXX county that I loved. I asked him on several occasions to give me my limit and he never would. Always disappearing and would n't get back to me with answers to my question because I did n't want to put my money down AGAIN to have to fight to get it back. He assured me it would close so I paid {$1000.00} earnest money, {$300.00} inspection and {$490.00} appraisal on a {$170000.00} home!! I told him from my calculation at XXXX salary I was n't comfortable with this price. He said ok refinance your car and I did. We were set to close on XXXX/XXXX/XXXX. The weekend prior to close, he called me and said to meet him asap at XXXX because their was a problem. When I got there I was told, he had left Loan Simple in XXXX!!! And forgot to tell me so his new job at XXXX XXXX did n't have the XXXX HOP program so he 'd given my loan to XXXX XXXX at Loan Simple! I said why did you move my personal info without telling me! After more lies we parted ways and XXXX started calling for more info so basically the loan had to go back through another 30 day process. XXXX told me my loan was approved but underwriter wants the promissory letter from my student loans. I sent it. Then said ok you 're good. Then came back the next day and said you need a cosigner! I said why when I 'm approved. She went on lying until 3 days before the close ( XXXX/XXXX/XXXX ) and said she 's sorry but I was " dead in the water from the beginning '' the loan would never close! I  cried and begged her to try to fix it because I did everything right and now I 'm stuck with a new XXXX, no where to live and I paid my {$1800.00}. She was no help and just said its not going to work, find something XXXX and discounted the call. I 'm devastated!
Consumer complaint received 2019-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Adler Wallach & Associates, Inc. (CA)

XXXX XXXX XXXX XXXX is a law firm subject to the Fair Debt Collections Practices Act that is attempting to collect on a debt for Adler Wallach And Associates. They have failed on several occasions to give any proper disclosures in their communications with me i.e no mini miranda, no notice of right to dispute within 30 days..etc ...
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

On XXXX XXXX, 2017 I spoke with a loan officer at Quicken Loans regarding a property that I am purchasing in XXXX, DC. After discussing the available products and interest rates, I agreed to proceed with an application in order to receive a pre-approval as requested by my seller.
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I was unaware at the time of the decision that the property that I was under contract on does not qualify for a conventional mortgage from XXXX XXXX as it is a new construction condominium and those properties do not qualify for delivery to XXXX XXXX from Quicken.
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Had I known this information at the outset, I would not have proceeded with the application process for two reasons, first, I spent about an hour reviewing my credit status with the loan officer ( after which I was approved for the mortgage then rejected due to the XXXX XXXX restriction ), and second, I did not want to be adding hard credit inquiries to my credit report if there was not going to be any way of proceeding.
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After pulling my credit and completing the application, the loan officer asked about the property and knew right away that it would be a problem, which of course it was. My issue is that I received a hard inquiry for a loan that Quicken Loans will not ever approve and Quicken Loans is not willing to ask the credit agency to remove the inquiry ( which there is a process for doing but may have a financial cost to them. ) I raised this issue with Quicken Loans and was informed that while they regretted that the question of the property type was too late in the interview process to avoid the credit pull, there was nothing that they would be prepared to do to rectify the inquiry on my report which resulted in my score being immediately reduced by the credit agency.
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I am unable to recommend Quicken Loans to other consumers given a process that is punitive to people 's credit which the company is unwilling to resolve to the benefit of consumers.