davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PENTAGON FEDERAL CREDIT UNION (NC)

In XXXX we went to XXXX XXXX XXXX, we purchased a used 2012 XXXX XXXX XXXX. Our initial payment arraigments where changed three time, twice before we left and then again a couple weeks later. We have gap  insurance added on and come to find out our car is only worth XXXX We owe way more than this car will ever be worth. We need out of this car payment We returned a month later to have them fix the broken interior light thats when we to sign new papers again, We brought the car in for servicing and told them that the seat belt in the rear did not work. They said it was cosmetic and would cost use XXXX We are now trying to get out of this car loan.
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

This company has reported a collection account on my credit report and refuse to remove it. I know nothing about the company or the account they are talking about. Ive never heard of them before and do not owe them anything. I never received and services or had any account with them. I have called to fix this with them directly and they stated its a medical bill, this is a violation of HIPPA regulations. It also may be mistaken identity I am a JR. my father has the same name.
Consumer complaint received 2018-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Loan Number :XXXX Nationstar Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone # is XXXX My number XXXX XXXX ( XXXX 's son ) XXXX On XX/XX/XXXX or XXXX I spoke with representative ( Mgr ) with Nationstar, Mr. Cooper who services our Mortgage. I was informed we can set up a repayment plan because my Mom fell behind with 2 payments so I was told to pay the {$3100.00} and they will set up a repayment plan of {$2200.00} per month on or before XXXX. We are not going to be able to pay the {$2200.00} until after XX/XX/XXXX or the first week of XXXX. I was told by the Mr. Cooper manager that if we don't make the payment before the XX/XX/XXXX they will start foreclosure proceedings. My Mom has XXXX XXXX XXXX and she is XXXX years old a Senior citizen and we just simply need a little more time to get up the {$2200.00}, we do not want to lose our house. It just seems unfair if we a financial hardship and we are trying to catch up. We have had payment deferred and a loan modification in the past. Can we get a little more time to start the Repayment plan at least until the XX/XX/XXXX, because we just paid $ 3100+ and have to turnaround within 30 days and pay {$2200.00} per month for the next 5 months. Can you please offer any assistance to my Mom. Anything you can do would be greatly appreciated. Thank You! 
XXXX XXXX
Consumer complaint received 2018-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (SC)

I started my process of buying a mobile home in XXXX XXXX XXXX XXXX   onXX/XX/2018 they asked for a few things to be paid off to be approved. On XX/XX/2018 they finally approved my application. On XX/XX/2018 they sent me another notice they needed more to close the sale. On XX/XX/2018 they sent me a denial email after approving me and their reasoning was they didn't know how much the lot rent would be and it took me over my debt to income ratio. They had all that information sent in when I applied for the home. On XX/XX/2018 they sent me another notice they need more information to close. On XX/XX/2018 they sent me another email requesting more information needed to close. At this point the park moved me in as a renter believing the sale should be closed in a couple days. On XX/XX/2018 they sent me another email requesting more information I already sent in to them on several occasions including homeowners insurance I found that was cheaper. On XX/XX/2018 they sent me another email requesting more information. On XX/XX/XXXX they finally sent my closing documents resulting in me having to pay an additional XXXX ( including lot rent ) to the XXXX I already put down on the mobile home early XXXX. I had to take out a loan to pay it since I had already paid them the XXXX. Then early this month my homeowner insurance agent emailed me asking about the payment for the insurance they have yet to receive. I had to call around trying to find it when I spoke with 21st mortgage they sounded like the understood what I was looking for but then called me back and said they didn't understand what I was asking. When they sent my documents over to XXXX who bought my mortgage they sent their homeowners insurance so they would be paid instead of the correct one. The whole experience was horrible and drained me of all my savings. They knew what they needed in the beginning but drew it out two months longer then it should. I had to cancel my insurance with them and I am still waiting on the refund to pay the correct agent but no one knows where the refund is or when I will receive it. My agent has already paid the correct insurance but the refund needs to pay her back.
Consumer complaint received 2018-08-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RELIANCE FIRST CAPITAL LLC (MS)

I was assured that my refinance loan was approved from the initial application. I was quoted one % rate and amount available and later that changed. The initial amount of the loan increased and the % rate increased. Everytime I thought I had submitted the proper paperwork to get the loan to the closing table, another document was requested. Finally after three months, I was informed that I had to have {$4500.00} in reserve for them to proceed with closing. In addition, I was told that an appraisal would cost from {$200.00} to {$450.00} and would not accept the appraisal that I had received less than 3 months prior. Accepting that, I was shocked when {$650.00} was drafted from my checking account. The appraisal was quoted at {$25000.00} less than the prior one. I have yet to receive the appraisal, though I have made several requests to receive a copy.
Consumer complaint received 2018-08-22
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: EQUIFAX, INC. (CT)

Equifax ( not sure where they get their info from ) had my legal name as " XXXX '' XXXX and not XXXX, so I noticed this and called to correct it, quick fix and it was all correct. then all of a sudden with this info a new entry to my credit profile was added, a collections, a FRAUD collections. So I called up, explained the situation, they said they would mark is as fraud to have it removed, Ok great. Then I get a letter in the mail stating the item was VERIFIED ... .. I called today to ask how that's possible and was told " They said it was valid '' sooooooo the Fraud that was put on my profile THOSE PEOPLE said it was valid and Equifax believed them '?? '? This would be funny if it were not true. So anyone can place an almost {$40000.00} entry to your credit profile and it can not come off unless the scammers agree you don't owe it '?? LOL Equifax 's " Investigation '' is literally them asking the Fraud " is this his '' they say YES " ok we believe you '' On what planet is that an " investigation '' '? I offered to get a police report they said " The Creditor would still have to agree to remove it '' This is holding my credit hostage to get $ XXXX from me and Equifax is assisting in the fraud and should be charged with fraud. FYI my credit score was over 800 before this and is now XXXX so I WILL be looking for damages to my financial well being if this is not corrected in 30 days of this complaint
Consumer complaint received 2018-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

I called to ask about the hold time for a cashiers check and was told it was XXXX business days. After making my deposit, I was told that it would be held for 8 days. This is an emergency because I need the funds immediately. Please help me.
Consumer complaint received 2021-04-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Since XX/XX/XXXX I have been working on getting my credit in great standing to buy a house. In this time I have been strictly repairing my credit. With verification letters being sent out first. I have yet to receive any information or updated status on this account. Status dates have not change since XXXX on this account which means the account was not investigated but said to have been verified and continues to report on Experian and XXXX. XXXX XXXX XXXXXXXX XXXX hasnt responded to the dispute and failed to launch an investigation into this account within XXXX  days which is required by the Fair Credit Reporting Act XXXX XXXX. Experian and XXXX  are reporting different information, one shows the account has been sold to XXXX XXXX and another shows its has not been sold. In XXXX of the attached photos you will see That XXXX is reporting as the collection and original creditor with no consumer dispute added, which means no investigation has been done and multiple violations of the FCRA. I am requesting that this inaccurate information be deleted from my credit file immediately. XXXX XXXX XXXXXXXX XXXX has violated federal laws and continue to report negative information on my file without launching an investigation that is required by law.
Consumer complaint received 2015-06-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had been using my bank of america banking application along side the banks automated teller system to ensure that I was not using any funds that would make my account overdrawn. As of yesterday, when I had all but on pending transaction on my account, it read that there was {$20.00} in my account available, I checked the automated system and it told me the same information. Now, today I found that I have been overdrawn on the account. The bank even recinded the overdraft fees because they said it was a bank error, when I asked for the {$20.00} I would have had in my account back they said that I could file a fraud claim to get the money back. I then reminded them that I did state I made the charge and I would not be filing as that would have been fraudulent. The manager said that would be the only way to get the money back, which was really upsetting to hear the only way to get my own money back would be to do something illegal.Their system constantly tells me I have available funds, and I can not use the card for weeks and it will then change the amount available ( no newly posted charges will show either to explain those charges ) their fraud dept STILL has n't sent me any paperwork I needed for a fraudulent charge. I am very saddened by the fact that this bank constantly admits that their system is messing with our money, but refuses to do anything about it or to make things right for their customers as a whole. Especially since this would definitely be considered fraudulent activity.
Consumer complaint received 2016-09-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (TX)

I have repeated asked Central Financial since XXXX of XXXX to provide verification of debt for {$100.00} that they are continuing to renew on my credit. Every 6 months, they are repeated renewing the collections of {$100.00} as if it is a brand new debt. According to their records and all the information they can provide me is that they acquired the debt from XXXX XXXX in XXXX. In fact, this should have NEVER been on my credit since I have insurance and have double coverage. My normal out of pocket is always {$0.00}. Why is it showing on my credit as if it was filed in XXXX of XXXX?????
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (MD)

There is incorrect information on my reports with XXXX and XXXX pertaining to status dates of four accounts that were included in a Bankruptcy last year, XX/XX/2020. The accounts in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XX/XX/2020.. when I filed for Chapter 13 bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The accounts with the incorrect information are two separate XXXX XXXX accounts, and XXXX XXXX finance, and XXXX XXXX XXXX XXXX. Ive reached to all 3 companies with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my Chapter 13, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX.
Consumer complaint received 2021-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (SC)

I have received a letter from Transworld Systems Inc and I do not know who that is. They are telling me I owe them a debt and 15 usc 1692 ( b ) ( 2 ) says debt collectors are not allowed to say you owe a debt. I have never done business with them before and this is a written refusal to pay. In their initial communication they did not disclose why this debt is valid pursuant to 15 usc 1692g. They are breaking the federal law.
Consumer complaint received 2018-08-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (AR)

I APPARENTLY HAVE AN OUTSTANDING DEBT WITH XXXX XXXX. THEY SENT THE ACCOUNT TO XXXX  XXXX XXXX. THIS COLLECTION COMPANY CALLS MY WORK AND CELL SEVERAL TIMES A DAY. UP TO 6 TIMES A DAY. I TRY TO TELL THE COMPANY TO STOP CALLING ME AND THEY HANG UP LAUGHING. I HAVE NOT RECEIVED ANY PAPERWORK FROM THIS COMPANY. AND XXXX XXXX REFUSE TO SPEAK WITH ME. I HAVE MAILED IN A CEASE AND DESIST, AND I HAVE CALLED THEM TO GET THEIR FAX NUMBER TO SEND IN THE PAPERWORK-THEY KEEP GIVING ME DIFFERENT ONES ( FAX # XXXX ) I DON'T OWE ANY MONEY TO XXXX, I CLOSED THE ACCOUNT WITH A XXXX BALANCE AND TURNED IN ALL OF MY EQUIPMENT THAT I WAS RENTING. AND SO DID MY WIFE.
Consumer complaint received 2021-04-01
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: Experian Information Solutions Inc. (UT)

they failed to Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about to my credit report are and they and your office is responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider. this has caused me to lose out on a FHA loan and I had to pay a higher fee to live in my apt . IM a victim of fraud, and my wife we cant keep paying high rent when owing a home is cheaper. we have filed complaints after complaints with your office and the ftc and with the credit with Experian, XXXX, XXXX, and with the creditors them self, the investigation doesnt resolve the dispute with the credit reporting company or the creditors they are blaming covid-19 in this time loss were told your office allowed this, we have sent email been on the phone for over 180 hrs trying to resolved this matter. FHA Resource Center, XXXX : XXXX complaint and the as you can see with all the complaint 's with your office we got no were, your office wouldn't call me back don't care in this matter my next step is to fw this letter to the AgA office,
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mid-South Adjustment Co., Inc. (AR)

Mid-South Adjustment has placed a {$0.00} collections amount on my XXXX credit score. They have inaccurate contact information for both address and telephone as required by law.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I called TransUnion to stay up to date with my file. I asked the negatives on my file and I was told that XXXX XXXX was NOT on my file and had been removed. 
Once I received my report last week after a NEW dispute XXXX XXXX is once again showing on there. 
When I called TransUnion the representative had no explanation.
Consumer complaint received 2021-04-01
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: EQUIFAX, INC. (CA)

Sent dispute letter on XX/XX/21 regarding inaccurate information/accounts on credit report. 
Sent 30 day demand to comply on XX/XX/21. Have not received any response from XXXX Equifax or XXXX
Consumer complaint received 2021-04-01
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: Kelsting Group, Inc. (CA)

There is no written communication or any legal proof for the alleged debt to claim ownership anybody can send a bill but that doesn't mean the debt is legitimate. I do not recall being associated with this company. FDCPA section 809 states if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I have contacted Bank of America twice about this issue by phone. Its been three weeks since I requested a check refunding a credit balance I have on my account. What is going on? THEY ARE REFUSING TO RETURN MY MONEY.
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX/ which has been deleted by XXXX and XXXX . XXXX  and XXXX  have both completed their research and determined that WELLS FARGO DLR SVC/ was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (TN)

I believe Chase is violating federal law in how payments are applied. According to the Credit Card Act of 2009, lenders are required to apply payments in excess of the minimum payment to the balance with the highest interest rate first. This hasnt happen in my case. I have a balance transfer balance of 0 % APR and while I know purchases carry interest immediately, I made payments each time after those transactions posted. Customer service explained to me that payments are applied to the statement balance first before other transactions. That means its not possible to pay off high interest transactions while a balance is carried until after the monthly statement is provided? The law doesnt say anything about statement balances in payment allocation. No other bank does it this way. Ive used other credit cards with different balances and never had this issue before. It started with a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX, a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX, a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX, and a purchase from XX/XX/XXXX that I made a payment on XX/XX/XXXX The last statement shows a purchase balance of {$360.00} that should be close to XXXX. I was charged a {$7.00} interest charge the last couple statements that Ill like credited back.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Commonwealth Financial Systems, Inc. (FL)

I received an email saying that my credit score had changed so I looked at my credit report and it showed a online bill pay alert ( unpaid ), an XXXX XXXX XXXX XXXX XXXX XXXX  company ( again unpaid ) and a XXXX XXXX XXXX company ( yet again unpaid ). I applied for a loan in XX/XX/XXXX through the a credit union and was told ( and received a letter to effect ) that I had absolutely no credit ... neither good nor bad. Now in the span of months I've got bad credit when I never  apply for anything. Ever.