davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (MI)

I was notified in XXXX that the mortgage payment ( {$500.00} ) I paid, XXXX XXXX for the XXXX XXXX due date had not been credited to my loan and was being " held ''. Apparently, my monthly payment was increased ( due a requested review of my escrow ) to account for potential shortage. I did not receive information explaining the increase from {$490.00} to {$590.00} before paying the historical amount. Once notified, I requested to have additional information sent, inquired into whether a credit bureau mark had taken place and requested that the {$500.00} being held be credited to the account as appropriate. I then set up the additional {$100.00} payment to be dispersed ( XXXX/XXXX/2015 ) as well as paying the XXXX XXXX payment due ( {$600.00} ), which I was informed was going to be the new payment moving forward. 
Since completing, I have received XXXX calls, that I now view as harassing in nature, in which Suntrust Mortgage is claiming I owe an additional {$490.00} ( on top of most likely late fees charged in error ). I do not agree with these tactics, as I 've not failed to meet the standards outlined within my contract. I pay my mortgage every month, the required amount and have been more than willing to adjust as needed. 
As of now, should Suntrust Mortgage fail to update and correct their records on file, should I incur any form of negative impact from their inabilities, I will seek legal counsel.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: InDebted Corporation (PA)

I am writing to formally challenge the validity of an account reported by Indebted, which I have never entered into a contractual agreement to pay. I have not agreed to any terms or obligations associated with this alleged debt. It appears that Indebted may have purchased this debt from a creditor, and I am requesting proof that they have the legal right to collect on it. Specifically, I ask for : Documentation showing that I am legally bound to this debt, including a contract with the original creditor bearing my signature.

A chain of custody, sales agreement, and any witness statements demonstrating the proper transfer of this debt from the original creditor to Indebted for {$890.00}. 
Without this documentation, the account lacks legal validity and should not be considered collectible. I also request that all collection activities cease immediately and that the account be removed from my credit reports pending this review. Reporting this account without proper legal validation is unlawful. 

Please note that I will not accept mere transaction records as sufficient evidence of an agreement. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2016-11-25
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (VA)

I contacted my mortgage company ( Ditech ) by letter XXXX/XXXX/XXXX requesting a loan modification due to loss of employment. They requested I fill out the required paperwork which I did and submitted XXXX/XXXX/XXXX. I was denied help b because income was zero even though my husband is a XXXX veteran and collects monthly VA benefits. In XXXX XXXX I was able to regain employment and at the request of Ditech Rep XXXX XXXX I resubmitted all paperwork again XXXX/XXXX/XXXX. I received a letter dated XXXX/XXXX/XXXX stating my rep had changed but no status update of my modification request. During the next few months I made calls to my Rep for status updates and I was told told the underwriters were still looking at my paperwork. Then, I received a letter dated XXXX/XXXX/XXXX notifying me of my loss mitigation options as thoug h I had never applied in the first place. I placed another call to Ditech and this time I spoke with XXXX # XXXX and told him of my situation. He looked at the account and said to me, " I see where you sent in all the infor mation and it was received ; but it does n't look like anyone has looked at your account since. '' Noone has looked at my account since XXXX/XXXX/XXXX? I find this to be totally unacceptable Customer Service ; not to mention my mortgage is now over {$14000.00} in arrears because I could n't make the payment Ditech wanted and I 've been waiting for a reply to the loan modi- fication I requested. My original mortgage company was Green Tree and then changed to Ditech the end of XXXX. My interest rate at that time was 3.0 % and jumped immediately to 4.0 % for XXXX, XXXX and XXXX XXXX. It increased to 5.0 % effective XXXX/XXXX/XXXX and recently I received another increase notification dated XXXX/XXXX/XXXX of an increase to 5.375 % effective XXXX/XXXX/XXXX. I could n't afford the payment at 4.0 %, it is more than XXXX of my monthly salary. I am at my wit 's end now, I do n't know what to do so I am contacting you for advice. Because of the past due amount on my mortgage I have been told I am not eligible for the XXXX program but yet others are telling me I am. Today I placed another call to Ditech and of course spoke to yet another rep ( XXXX # XXXX ) and she typed into my account the information from our conversation and to have her Manager send me yet another form since she was not author ized to do so. 

Please Help XXXX XXXX
Consumer complaint received 2017-03-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

I have yet to receive the full refund of my escrow account since closing XX/XX/2016. The full amount is {$2000.00} and I only got a partial refund of {$340.00}. I have not cashed the check yet since it was not the right amount. Greentree / Ditech new I was refinancing since they were notified that I needed the payoff amount of the loan. Since I was refinancing I needed to pay off my property taxes before closing so I paid the full amount of my property taxes that was posted XX/XX/XXXX and Ditech the XX/XX/XXXX. Attached is my notes.
Consumer complaint received 2017-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (AZ)

I went on a trip to Wyoming and the hotel was terrible so i wanted to have wells fargo get my money back and I used my debit card to get hotel ... ... ... .here is the information I had put in claim to try and have wells fargo help me ... ... .. {$470.00} dollars claims assistance center ATM/Debit card Claims XXXX. XXXX XXXX XXXX, NC XXXX Wells fargo denied this and said they closed claim. I wasnt treated fairly and wells fargo said I had stayed at XXXX XXXX hotel all the time I was there which was only 4 days and so the swimming pool was always under maintenance and jaquizzi was never working until last day and maid service after 2nd day there was not good to standards because i had not got what i needed so couldnt take shower because no clean towels and also back door of hotel entrance to get inside to my room was not working last 2 days there so had to use longer route to room. Also I had a maintenacne guy finally bring me towels to room and then last day maid service was there but I could n't possibly know of what was going to be happening while staying there so weels fargo said that they made decision based upon that i had stayed there and i was there only 4 days and had to drive over 100 miles to XXXX Colorado to catch my flight plus return rental vehicle to so I though since i did n't know when all of things had started happening more after few days staying there that i wasnt going to ask for refund yet until i got back home and was very tired and miserable because i could n't sleep right half the time either and im a XXXX veteran so I 'm on a limited income also and cant just jump from hotel to another one that fast plus money and so i had all things starting to happen over course of all the four days there anyway so how come wells fargo cant help me to get my refund back ... ... .This had been a lesson learned to never ever get a hotel like that one. Also since wells Fargo bank said i stayed there well of course i had really no choices after it was occurring at different times for most of things that happened to me and so there fore i feel that I fully deserve a full refund from that hotel through Wells Fargo Bank and I cant control that hotel and time frames of when it all occurred.I know wells said I stayed there but it all happened at different times and 4 days is such short time to stay at any place ... ...
Consumer complaint received 2024-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (FL)

Rocket Mortgage shut off all access to financial information from any software except their own in an effort to force clients to purchase their own software, " Rocket Money ''. They are using a large mortgage client base to close down other financial software companies. The development of Open Banking standards is not to be taken lightly in how it assists the general public with managing finances and it should definitely be investigated if a company is actually shutting off their access to Open Banking standards in an attempt to force the general public to purchase their own products.
Consumer complaint received 2017-09-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

I opened an account with PNC bank two years ago. When opening this account I explicitly opted out of their overdraft service. Today, I found that my account had received over {$150.00} dollars in overdraft fees. I used PNC online banking service to confirm that my account had in-fact opted out of PNC 's overdraft service, yet despite this I was still receiving overdraft charges. 

Even though I called PNC and was able to have the charges removed, the fact that I was charged at all is in violation of federal law. I would ask that the CFPB investigate PNC banking practices to see if other customers are being charged for unwarranted overdraft fees. I have reason to believe that PNC was fully aware of the fact that I had opted out of their overdraft service, but was attempting to charge me for the service regardless.
Consumer complaint received 2016-05-09
Product: Credit card — 
Issue: Privacy — 
Company: JPMORGAN CHASE & CO. (TX)

A XXXX form was sent to an address XXXX XXXX XXXX, XXXX TX XXXX. I have never lived in a city or at that address. The individual who lives at that address contacted me and forwarded me the XXXX form. I have contacted CHASE credit card to inquire how and why this happened as I have lived at the same address XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX for 13 years. After several attempts to speak with chase and understand who authorized the address change they said they do not know how or why the information was sent to the 3rd party and that they do not keep records for that information but that they were sorry it happened. Chase bank reps do not want to discuss the matter with me and I feel they are trying to hide how this event occured.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

I 'm issuing a complaint to equifax credit bureau I need them to take off all of the hard inquiries from XXXX XXXX 2016 I did not give the auto loan place permission to run my credit report to a bunch of different banks I need equifax to take off the hard inquiry 's from XXXX XXXX 2016
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the same personal information that is breached in order to verify my identity and approve a change.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2024-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (NY)

Vehicle Loan was issued via Ally. In attempt to make loan payment login required DOB/SS #. Not just last 4 but entire SS #? 
A call was place to address the concern, at which time I was advised my DOB had been wrongfully entered, was requested to send a copy of license, SS card, this was to be done via fax. Clearly, this was concerning, and I declined. Still not able to make a payment, as there my identifying information is inaccurate. Perhaps more concerning is the fact that over XXXX was issued with wrongful identity, and an unwillingness to update without sending guarded information via fax Spoke to XXXX individuals XXXX XXXX XXXX XXXX XXXX eastern time ( call recorded ) first being ID rep XXXX, second being a supervisor XXXX Expressed no concerns as to securing/identity issues, continued to request my SS card/Drivers License be sent. Denied Contact to Corporate, willing/unable to explain security procedures in place for customers. Last attempt was to call Ally fraud department, ( XXXX ) XXXX XXXX  Eastern, difficulty hearing this individual due to background noise, phone connection and language barrier. Asked the same questions as the prior reps, prompting me to ask if this was the fraud department? Apparently he is required to take concerns and determine if they are appropriate for fraud department, provided some information and was forwarded. No name, nasty, who wanted to yell that I was required to give the other specific information prior to reaching her. Beyond inappropriate let alone to be addressing people concerned with their personal information being compromised, asked for her name and she hung up. Terrible experience, continued concerns.
Consumer complaint received 2020-09-26
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. (TX)

I was in contact with bank that financed car and advised that I had been affected by corona virus by reduced hours from XX/XX/2020 to XX/XX/2020. We were required to exchange shifts with each other so that all were allowed to have at least some hours until logistics were figured out for working from home. We were only allowed 10 people per shift. Bank stated they would give me a two month extension due to issue. On XX/XX/2020 I received notification from credit bureaus that my account with Santander Consumer USA Inc had been paid in full due to natural disaster.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (NY)

XXXX XXXX  made a credit inquire on my report on XXXX and XXXX XXXX made an inquiry on my account on XX/XX/year>. I would like these inquires removed from my credit report as they were not made by me. In addition, I have disputed a paid affirm account with XXXX and XXXX account that isn't mine however they are still reporting. I paid the accounts to actively clean up my credit report however there has been no benefit to me doing so.
Consumer complaint received 2017-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (AZ)

I opened a Discover Bank Checking and Savings account on XX/XX/XXXX. I transferred {$5.00} from my XXXX checking account for the initial opening of both accounts, which was received and accepted on XX/XX/XXXX, I had also scheduled for {$50.00} to be sent to the new account on XX/XX/XXXX. On XX/XX/XXXX I received an email that both accounts have been suspended and to call immediately, which I did. Upon calling them, I was told the accounts were n't suspended, but actually closed and the initial {$5.00} would be sent back to the issuing bank and the {$50.00} that was in the process of being transferred would be rejected and sent back to the issuing bank, as well. It is now XX/XX/XXXX and none of the money has been sent back. I called them today to find out why the money had not been returned to my issuing bank. I was told a variety of stories : 1. The issuing bank had to send a letter of indemnity to Discover in order to return the funds. When I asked why, I was told it was policy. I explained I had been told in the last phone exchange that the money would not even be accepted, so I should n't have to jump through this hoop. I asked for a supervisor. 
2. XXXX, the supervisor, continued to say that it was policy to get the letter of indemnification. I asked for the policy that dictates this. She led me to the National Deposit Account Agreement online, wherein it states that " We can close your Account at any time for any reason, including if the balance in your Account is zero. If we close your Account, funds on deposit will be disbursed to the Accountholder ( s ). '' I asked XXXX where it says anything about a letter of indemnification. She said it 's policy to require it. I told her she was a liar and wasted my time. I explained I could understand if they had policies in place to guarantee that I was me if I wanted them to send me a check, but I only wanted the money returned to the account from whence it came. I was n't asking them to return it directly to me, so they would have no loss and would therefore, not need a letter of indemnity 3. On a subsequent phone call ( we were disconnected ) to XXXX, she stated that when their " investigation '' was done and the letter received, they could release funds. I said, " What investigation? '' She said I was being investigated for fraud and that was why they needed the letter. She refused to tell me what prompted this investigation. I told her this sounded like a ruse to avoid releasing funds since it has not been mentioned in ANY other correspondence or communication. It was unlikely that I was committing fraud for {$50.00}! 

I believe Discover holds funds they are not entitled to in order to increase the interest they can get off those funds and the more hoops customers have to jump through, the better. They have told numerous lies throughout this process and they should be held accountable for this.
Consumer complaint received 2016-03-24
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

We have been processing a short sale for a client who has a mortgage through Ditech Loan Servicing ( FKA Green Tree Servicing ) since XXXX. The original offer started out at {$420000.00} and it was not accepted because the lender was not taking into consideration the effect that structural issues & damage has on the value. The home is sinking into the ground and into the lake that it is on. We have provided Ditech with several full appraisals, engineer 's reports & repair bids to substantiate this. We have had several offers since XXXX, each time lower than the last due to these issues AND this home can not qualify for any type of financing and can only be purchase with a cash buyer who is able to make the necessary repairs. Each time Ditech rejected the offers no matter what supporting information was provided. This brings us to XXXX XXXX. An offer was received for {$300000.00} after the potential buyer completed an appraisal of his own to determine what a viable offer would be ( he made the offer at full appraisal value of {$300000.00} ). Ditech did an appraisal which resulted in a value of {$330000.00} and rejected the offer. We were able to find another buyer at {$330000.00} and submitted the offer to Ditech on XXXX/XXXX/XXXX. Ditech has since done another appraisal and is now saying that in a span of less than 3 months, the appraised value has increased to over {$430000.00} and they will not be considering the current offer of {$330000.00}. They have no explanation as to the differing values and will not even discuss this any further. No one will speak with us and the assigned representative does not respond tocalls or emails as we have been trying to reach him since the offer was submitted on XXXX/XXXX/XXXX. In addition to this, Ditech throws out any documents on file once an offer is rejected, so each time a new offer is submitted, a completely new application package and all supporting documents ( such as divorce information which does not expire ) have to be resubmitted. This is extremely frustrating to the borrowers, yet they have complied with each request. Ditech has rejected several viable offers which were supported by appraisals, repair bids, engineer 's reports etc and they are moving forward with the foreclosure when the borrowers have done everything to comply with the short sale process requirements.