davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: HYUNDAI CAPITAL AMERICA (CA)

I choose to extend my lease & made several attempts calling Kia because I never received the extended lease contract. They have it in their notes. I know this because I was on the phone with one of their reps for an hour on Thursday XX/XX/20 & she told me plus my phone records match. She was very helpful that day trying to get my problem resolved because no previous reps took it seriously. She said she spoke to her supervisor because I'm not able to speak to them. She also said that she made sure to include my previous problems in her notes. I also spoke to the the collection department ( I've never made a late payment or missed one ) but because of this contract my payments were not going towards my loan. I was told that day by the collection dept there was not an order for a tow that it takes a few days after an order goes in & once the contract was signed everything will be ok. My co-signer & I received the contracts on XX/XX/20 we both signed them but my car was still towed that day. I called Kia immediately, he was extremely rude & told me there was nothing he could do & refused to get a supervisor. He even refused to read the notes. He told me to call tomorrow. I did get a much nicer rep & an apology because she read my notes but all her supervisor said was " good news '' we'll release your car but you have to pay {$420.00}. I also had to pay {$15.00} to the sheriff 's dept & {$45.00} to the tow yard. I kept trying to call Kia from to tow yard but they kept hanging up on me once they picked up. This is very frustrating, how can they take advantage of people. We don't have extra money to just give away. Especially during hard times like this. I was told at the tow yard I was not the only one this happened too & reading XXXX today for the first time it's scary how they get away with it. This is unacceptable. They caused me more stress.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I have late penalties and charges on my mortgage account, despite the fact that I am paying on time. 

Here is what happened : My loan was with XXXX for many years, I had a bi-monthly payments on the mid and end of the month. Since the deadline is usually on the XXXX of the following month, all payments were ahead of schedule by almost 2 weeks. All was good and on schedule since I started with XXXX back in XXXX. 

In XX/XX/XXXX, XXXX sold my loan to XXXX. I did not know until almost the due date was over, but I did manage to pay my FULL XXXX payment ONTIME on XX/XX/XXXX ( Due date was on XX/XX/XXXX ) for {$2000.00}. 

Then I started automatic bi-monthly payments from my bank account for {$1200.00} per payment, the 1st one for the month of XX/XX/XXXX was paid on XX/XX/XXXX for and the 2nd payment was payed on XX/XX/XXXX. 

After few months, I started noticing that I have late charges and penalties, I contacted Loancare which is the service company for XXXX multiple times, unfortunately was not able to get any one to talk to. I sent many emails with no answers so far. 

I dig my payment history from their website and realized that the problem was in XX/XX/XXXX payment, the company considered that payment as a principal payment instead of the 1st part of my bi-monthly payments for the month of XXXX. Once again I send many emails from their website, no answers so far. 

I finally managed to get them on phone today XX/XX/XXXX. I talked to an agent and her manager, and explained in clear terms what happened. I was not able to resolve the issue, their line of argument is that 1 ) this happened more than 6 months ago and we can not do anything ... 
2 ) we did not have a bimonthly payment system at that time, which I can not understand because they seems to accept my payments after that. 
3 ) you did not informed us that the XX/XX/XXXX payment was not a principal payment.
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lending Club Corp (PA)

On XX/XX/2020 I emailed Lending Club at the email address they provided to cease and desist calling me. That email address was sent to XXXX. I originally sent this request due to Lending Club calling me 5x that day  prior to XXXX. Lending Club acknowledged they received my cease and desist communication when later in XXXX I called in to make a payment. Then today, XX/XX/2020, Lending Club again called me attempting to collect a debt. I let them know that this is violation of the FDCPA and that i'd be reporting the violation.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

XXXX is not doing their job and will not provide return phone calls nor provide customer status. I began shopping for a refi/cash out loan in XX/XX/XXXX with several lenders that I had already qualified with prior to having the conversation with NewRez. In fact, I already had my home appraised and appraisal in hand. The loan officer I spoke with appeared to be professional and knowledgeable, along with having a pleasant personality. He advised they had same product I was interested in which was XXXX my current conventional loan into a FHA loan in order to qualify for cash out I was up front with seeking out of this transaction. With those factors in mind, I moved forward with signing my loan intent on XX/XX/XXXX and it is now XX/XX/XXXX. I was advised that expectation for closing would fall near or around XX/XX/XXXX due to the overwhelmed market handling of refis. I thought that was fair and transparent with having the up front communication. Nearing XX/XX/XXXX, I began making calls to my loan officer and did not receive a return call or response to my emails also sent. I escalated to loan officer supervisor and when no return call then escalated to loan officer 's manager. The next day XX/XX/XXXX, I received a return call from the loan officer supervisor who advised that my loan hadn't been assigned to their UW and he would escalate. They had my completed paperwork for 3 months and it had been sitting untouched this entire time! I was advised they only assign on Mondays and as my call was on a Tuesday, I would have to wait for the next week to hear from the next person a junior processor to contact me which was on XX/XX/XXXX. That went pretty smoothly, except then I get a message on XX/XX/XXXX in their portal it indicated I need to have my foundation certified and then the message disappeared on XX/XX/XXXX. Again, I made several calls trying to confirm what was needed and advised my file would need to be assigned to a processor to advise as the junior processor nor my loan officer could direct me on what was needed before I went out and hired my own engineer. On XX/XX/XXXX I had a processor assigned confirming the engineer certification needed and completed same day with report provided to NewRez on XX/XX/XXXX. Up to date here on XX/XX/XXXX, the status indicates pending review of the engineer report. I began making calls to the processor and my loan officer last week on XX/XX/XXXX and again today XX/XX/XXXX with no return calls. This by far has been the worst customer experience in my lifetime and no one is stepping up to be accountable or responsible to ( 1 ) do their job ( 2 ) manage your employees ( 3 ) give a care about your customers. I am already an existing customer as well.
Consumer complaint received 2020-09-11
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (PA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with  Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Consumer complaint received 2016-09-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (FL)

Back in when I was first looking into attending college, a Wells Fargo banker gave me the impression that I needed a private student loan in order to cover school expenses that did not directly relate to tuition, such as purchasing a laptop for school. Since that time, I 've discovered that such information was false and that one does not typically pursue private student loans unless the cost of tuition exceeds the total amount of public loans/grants that available publicly. 

The result of this misleading information was that I signed up for a pair of private student loans to fund my XXXX college education, and I 've been stuck paying over {$200.00} a month for several years since the end of my education -- well over the average amount for most college students. 

In addition to obtaining this misinformation relating to college funding, I 've been denied student loan consolidation through Wells Fargo, even after having been pre-qualified for it. Wells Fargo initially miscalculated my income as having been bi-weekly instead of weekly. I corrected this information and was still denied the loan, and I never received an explanation regarding the denial.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted both XXXX and the 3 credit bureaus about the incorrect status of my account and either party has yet to update and correct the information. I was told by XXXX that the information would be corrected with the 3 credit bureaus no later than XX/XX/20. Today is XX/XX/20 and the account status is still showing as as charged off which is incorrect as the account was paid in full. I have submitted payment receipt to the bureaus but have yet to see the account updated.
Consumer complaint received 2020-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica (CA)

I opened my Comerica checking account ( number XXXX ) in hopes of consolidating my funds at a central bank. However, my account was frozen. I called and spoke to XXXX and went to the XXXX XXXX XXXX branch on XXXX XXXX. My account was subsequently closed after visiting the branch by Comerica.
Consumer complaint received 2020-10-06
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. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPLICATIONS ( INQUIRES ) IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (PA)

My mortgage loan was sold from XXXX XXXX to Specialized Loan Services in XX/XX/2020. The loan information generated with this new mortgage company, Specialized Loan Services, is not correct. Their loan has me listed as a co-borrower, and it has listed as the main borrower a person I am not related to, and is not part of my loan in any way. Moreover, it has the wrong address listed for mailing important mortgage-related documents, meaning that sensitive information about my loan is being mailed to an address that the company has no authorization in which to mail said documents. 

I have attempted to work with Specialized Loan Services on three separate occasions, since learning of this issue. This encompasses two phone calls and an email to their customer service. All attempts at resolution were met with a runaround approach. Complaints were  escalated to other departments with no follow through, or just no response. Their customer service prompt to even begin speaking with a rep is in excess of 4 minutes of options and dialing in that ultimately result in requests for callbacks that can go in excess of hours or days to return. Once a representative is on the phone, there are no extensions in which to call back or check on requests. This makes it unreasonably burdensome to continue a fruitful conversation with SLS, and is telling of their inability to appropriately manage their accounts. 

Right now my loan is technically in the hands of a person that is not the actual loan holder, and my sensitive mail is going to an address not mine. I am extremely distressed by the damage this can wrought. I am requesting immediate assistance from CFPB in working with XXXX XXXX and Specialized Loan Services to  coordinate what went wrong and how it can be resolved immediately and with no additional interruption to my life than has already been. 

I am also requesting a regulatory investigation by CFPB to determine what laws, regulations, or otherwise good faith practices have been neglected or broken by SLS in the servicing of this loan.
Consumer complaint received 2020-09-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Central States Recovery, Inc. (KS)

In XXXX I was contacting the Central States Recovery, XXXX KS, company for the first time, I spoke with XXXX XXXX and I was asking them about the debt I had of XXXX with XXXX XXXX XXXX XXXX I was told that if I didnt start a payment plan with them I can face possible charges and was asked to give my bank account information so they can pull the payments out directly or the debt was going into an attorneys hands, I refused to give them my account information but I told them I will call them back with a payment. I felt I was forced to start a payment plan, that I could not possibly obliged by due to the Covid 19 and my job cut out my hours. After a few months on XX/XX/2020, I called and I spoke with XXXX XXXX again, and I asked if I could just pay half of XXXX as a lump sum to remove my account, she told me no and said, you need to start a payment plan with us, because XXXX XXXX ( original collector ) is already handing the debt to an attorney and they are preparing to file a suit against you. I have not received  any paperwork of a lawsuit happening, but the mental distress this has caused my family. We are dealing with financial hardship and the threats of being sued in this vulnerable time and the way this company treats and talks to us, knowing Im going through hardship. I felt I must report them because this company threatens to sue so easily in order to get a person into a payment plan that is to expensive to afford.
Consumer complaint received 2016-08-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Dynamic Recovery Solutions, LLC (TN)

I received a letter dated XXXX XXXX, XXXX from a company called Dynamic Recovery Solutions. They claim to represent XXXX XXXX XXXX XXXX. They list an original creditor as XXXX and an account ending in XXXX. They say I owe {$740.00}. I feel that this is incorrect as I have no Creditor known as XXXX. This does not appear on any of my current credit reports as an account. If this is my account I am sure it is old and past the statute of limitations in the state of Tennessee or perhaps it was an old account included in a bankruptcy I filed in XXXX. To summarize I feel that this is a non-collectable debt and I deny any and all responsibility for it.
Consumer complaint received 2023-07-27
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 — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (GA)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-08-17
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-10-06
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. (GA)

I am a victim of Identity Theft ... .I have submitted all of the proper documentation including a copy of a Police Report and Identity Theft affidavit to all 3 bureaus ... .This has absolutely ruined my life ... .I have never lived in XXXX, Georgia !! ! I haven't applied nor attended any School ... yet Experian continues to report 4 charge off student loans on my credit file ... Acct # XXXX in the amounts of XXXX and XXXX and acct # XXXX in at the amount of {$4300.00} ... ... XXXX   continues to report 2 charge offs with the same Student loan accounts ... .and XXXX continues to report these XXXX XXXX in the amount of {$2000.00}!!! These accounts are not mine ... .they are FRAUD and they have failed to respond to any of the documents that I have submitted!! I am more than ready to pursue legal action against all involved!! Just look at the big disparity between the 3 reports ... .XXXX  is the only bureau that has done the right thing here!
Consumer complaint received 2020-08-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

On XX/XX/2020 - Loancare paid out of our escrow account - {$1000.00} to XXXX XXXX XXXX - we contacted them immediately, as this is NOT our insurance company, our insurance was NOT due and it was only {$510.00}. After many phone calls - they finally admitted that it was paid for a XXXX XXXX in XXXX XXXX, IA. 

A complete MISTAKE made by them! 

We were called on XX/XX/2020 and told it would be resolved within 7 days. On XX/XX/2020 - this was not fixed so we called to speak to a supervisor. She informed us that it was a mistake and they were working on it - but humans make mistakes. Then told me she would be in contact daily with updates. We received a call on XX/XX/2020. Nothing since and it has not been resolved! They are showing us with a negative escrow balance of {$730.00} and increased our monthly mortgage payment because of it! Our payment has gone from {$600.00} to now {$730.00}! As of today our escrow balance should not be negative but have a positive balance of {$340.00}!
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY (IL)

I was given a credit card to finance my carpet purchase from XXXX XXXX, the card was from Wells Fargo. I was told it was zero interest. I reached out to Wells Fargo when a year later I got a credit charge for interest on the account for {$2700.00}. I filed a complaint that they ignored and said too bad for you. I was never provided documentation stating the credit charge would occur. Additionally, Wells is now charging me interest at a rate of 28.24 % on the interest charge. I have paid the the bulk of the original principal purchase off and now Wells is telling me I owe them another {$3000.00} and growing. I would like to pay off my principal balance and have them reverse the interest charges as I was not informed of the terms, they have not produced evidence and they are charging me an excessive rate of interest on top off an interest charge. I do not trust their sales practices based on recent events I feel they are trying to rail road me and deny me my rights as consumer.