davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (KS)

Ever since getting with Lakeview by XXXX, my escrow is always increasing. Does not matter if taxes go down, which they have, nor does it matter when I switch insurance to over {$1000.00} cheaper a year, my escrow is always increasing! These companies have to be scamming veterans, especially disabled veterans of money and this is my first stop, next is Senator XXXXXXXX XXXX office then the Attorney General 's! 

I just switched homeowners insurance before XXXX XXXX raised my insurance {$2000.00} and got insurance for {$1000.00} less than the previous year but yet my payment went from {$1000.00} to {$1100.00}! My taxes from last year went down a whole {$3.00} but still it went down!
Consumer complaint received 2023-11-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (ND)

Purchased camper on XX/XX/2023 and BMO Bank NA funded the loan on XX/XX/2023. First payment of XXXX was due on XX/XX/2023, we paid XXXX on XX/XX/2023, whole amount was applied to interest only. Next payment was due XX/XX/2023 and we again paid XXXX on XX/XX/2023 and whole amount was applied to interest only, even though additional was paid per the truth in lending disclosure and payment coupon book received by BMO. Spoke with customer care and they denied me to pay any principal of the loan. They refused to give me any information on the loan and transaction history as well. Paid another XXXX on XX/XX/2023 and that was applied to interest only as well. They will not authorize any of money paid by us to be paid towards principal with no explanation as to why. We will never be able to touch the principal of this loan at this rate with interest accruing and no principal being paid and we have paid a total of XXXX only towards interest as of today per BMO. BMO has charged interest before the loan was funded and refusing to apply any portion of any payments to principal. I have called repeatedly to customer call center with no answers or corrections.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (IL)

Delete from all credit reporting agencies, I have never signed a contract with this company.

This company sent an itemized list of charges and items that are not mine and I did not sign a contract with the company that is reporting that I owe them. 15 U.S. Code 1692c, also known as the Fair Debt Collection Practices Act ( FDCPA ), regulates how debt collectors can communicate with consumers about debt collection. The law states that debt collectors can only communicate with consumers if they have the consumer 's prior consent or a court order. Debt collectors can not communicate with consumers at inconvenient times or places, and they must stop communicating if the consumer requests in writing. Debt collectors also can not communicate with third parties without the consumer 's consent.
Consumer complaint received 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (GA)

In or around XX/XX/year> my loan servicer was changed from XXXX to Newrez. At this time, XXXX believed that I did not have insurance on the property and had charged me {$1300.00} for insurance. It is important to note that at no time has this property been without insurance. This fact was eventually corrected with XXXX. However, during this time the loan had been sold to Newrez.

Newrez added the {$1300.00} as an escrow balance and is trying to force me to pay this amount despite the fact that I do not owe it. 

I notified Newrez that this balance was in error using the appropriate error process as described by Newrez. Their response was for me to get the money refunded from XXXX and then pay it to Newrez. 

I do not believe that this is my responsibility and have notified them that they continue to be in error and need to correct it. They continue to try and extort this money from me by applying part of my regular payment to the escrow balance and then charging me a late fee for not paying in full including the amount for the escrow that I do not owe. 

I need this resolved before I am forced to engage a lawyer to correct the problem that Newrez seems unwilling to correct.
Consumer complaint received 2024-08-01
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (OH)

I have a credit card with Wells Fargo for home XXXX  XXXX purchased through a local vendor- XXXX XXXX  XXXX XXXX. This includes a furnace and air conditioning unit. 

For years I paid the monthly balance each month, on time, as part of a special 0 % relationship with the vendor. I do remember the website being cumbersome and difficult to navigate, particularly in setting up automatic payments, but everything proceeded without incident. 

About XXXX months ago, I decided to switch the bank account I used to pay the automatic payment. That was not easy. I had to call for help and the Wells Fargo customer service agents often seemed confused and directed me to set up the payment in the incorrect way. Finally, I thought I had things set up correctly - and, boy, was I surprised! On XX/XX/XXXX, Wells Fargo attempted to withdraw the entire remaining balance on the purchases- over {$8000.00} from my checking account at XXXX. I do not have {$8000.00} in that account, so I got slapped with late fees from XXXX. 

I called Wells Fargo to try to address the situation and understand how this had happened. What I learned was distressing. It suggests that Wells Fargo is using misleading language to dupe customers into paying more than they can afford on their balances. 

What I discovered happened is : Wells Fargo auto pay has an option for Last Statement Balance. That's what I chose, because common sense would lead you to believe that the Last Statement Balance is the amount you owe each month. After all, the statements are monthly. That's exactly how a normal credit card works. They told me that Last Statement Balance means the entire Account Balance, so that's why they tried to remove the entire remaining balance from my checking account. They said it was my fault and that I was responsible for the ramifications. Wow! 

They did help me at least cancel the setup and explained how I could re set up the auto payment correctly, except not at that moment, because they said I had to wait for the current overdraw to clear. 

Well, guess what? Today, XX/XX/XXXX, after I spoke to them and tried to correct everything, they once again tried to withdraw the entire $ XXXX from my XXXX  Checking Account. 

I tried to call back Wells Fargo, but their offices are closed tonight. I will call them back tomorrow, but I would like the CFPB to investigate. After all, wasn't Wells Fargo slapped with record fines by the Feds  a few years ago for fraudulent behavior on a massive scheme? It seems like more of the same! 

Thank you - and please let me know what other information you need. I apologize if my story is not entirely clear and am happy to detail it further.
Consumer complaint received 2015-11-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MN)

I APPLIED FOR A HAMP LOAN ASKING FOR REDUCTION IN INTEREST RATES AND A PRINCIPAL REDUCTION FORGIVENESS. I WAS GRANTED A INTEREST REDUCTION BUT NOTHING ON PRINCIPLE FORGIVENESS. WHEN I TOOK OUT THIS SUB-PRIME ADJUSTIBLE MORTGAGE MY HOME WAS APPRAISED AND I AM STILL OVER 40 % UNDERWATER TODAY. SO WAS I TAKEN AGAIN BY THE MORTGAGE PEOPLE BY NOT GRANTING ME SOME PRINCIPLE REDUCTION FORGIVENESS?
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XX/XX/XXXXXX/XX/year>
Consumer complaint received 2024-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (NY)

My cars XXXX  was apparently stolen and was used in an accident which my car was not in any way involved in. XXXX, the insurance company of the car that was involved in the alleged accident, filed a claim against XXXX XXXX, my insurance company, which was denied. XXXX then sold the {$2000.00} debt to AFNI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, who have sent letters and made phone calls to me to collect the debt which I do not owe. I have filed a fraud complaint with XXXX XXXX XXXX, and I have complained to XXXX, and I have told AFNI that I refuse to pay, and they continue to badger me with letters and phone calls.
Consumer complaint received 2023-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

The intention for anyone enrolling into a Mortgage Relief payment initially is, so they dont have to make any mortgage payments temporarily, not so they would have to pay out of their own pocket. I originally informed Specialized Loan Servicing, LLC ( hereinafter referred to as SLS ) about my application, and SLS threatened that they would accelerate filing a delinquency notice against me unless I paid the XXXX & XXXXXXXX XXXX monthly mortgage payments. 

SLS claimed that as long as those payments were made first while my mortgage relief application is pending, they would leave me be. The XXXX Debt Collection Department also stated that once the Mortgage Relief funds were applied to my loan, XXXX would automatically apply the payments I made for the XXXX and XX/XX/XXXX mortgage payments towards XXXX and XX/XX/XXXX instead. That would have resulted in a good standing with SLS and also would bring my loan current. 

It didnt seem like I had a choice, so I went ahead and made the 2 payments.

I was finally approved by the California Mortgage Relief Program to cover my mortgage payments. However, SLS did not ask for the Mortgage Relief Program to include the 2 I had paid while my application was pending. I tried to contact SLS several times regarding this issue, but I couldnt reach them. SLS avoided communication, so inevitably I couldnt implore them to seek the additional funds for the two months.

I managed to reach out to the SLS Escalation Team regarding this issue. Sadly, they said they are not the department that can authorize a decision. 

Even though I followed SLS instructions and paid out of my own pocket, SLS filed a negative report to the 3 credit bureaus while my CA Mortgage Relief was pending approval.

SLS took advantage of my situation and their claims turned out to be a sham. As a loan servicer company, this tactic should be deemed unlawful. I did not make those 2 earlier payments on my own volition, I was forced into it and got unfairly reprimanded.

I made numerous attempts to contact them and resolve this issue, but since SLS technically was now paid in full, they no longer cared to respond back. They dont want to be bothered on how the funds are received, as long as the payments are in their hands. 

In the end, I had their escalation team email to their back office more than three times in a two-month span. I was transferred to their HAF Dept. and left nearly 16 voicemails at ( XXXX ) XXXX, extension XXXX. I was directed to their Loss Mitigation Dept - ( XXXX ) XXXX, however, resulting in neither any call backs nor emails.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (OH)

- XXXX & XXXX XX/XX/year> : Contacted Wells Fargo about terms of use of their Reflect card with 0 % for 21 months. I needed to make a large purchase by XXXX XX/XX/year> to get the discount offered by the retailer. XXXX different Wells Fargo representatives assured me that, if approved online, I could make my purchase - PRIOR TO RECEIVING MY ACTUAL CREDIT CARD - through the Wells Fargo app on my android cell phone, using the Digital Wallet feature. I again reiterated that I needed to ensure that I could use this feature for my large purchase prior to receiving my actual credit card. Both Wells Fargo representatives concurred that I could. 
- XXXX XX/XX/year> : I applied online and was immediately approved for the Wells Fargo Reflect Credit Card with the 0 % for 21 months. 
- XXXX & XXXX XXXX : I spoke with XXXX different Wells Fargo representatives to get the Wells Fargo XXXX XXXX feature set-up on my android cell phone. Finally- after at least a total of XXXX hours over XXXX days, the final representative assured me I was all set-up and I could make a purchase. 
- XXXX XX/XX/year> : I tried twice to make the purchase using the XXXX XXXX but was DECLINED. Wells Fargo Fraud Dept. called me to verify my purchase but informed me it may not be approved because I didnt have my actual credit card - COMPLETELY CONTRARY TO WHAT THE THREE PREVIOUS REPRESENTATIVES HAD ASSURED ME! He told me to try the purchase the following day. He provided me the direct fraud dept. phone # XXXX and informed me to call them direct with any further purchase problems. 
- XXXX XX/XX/year> : I went back to the original retailer to make my purchase- again I was declined using the XXXX XXXX app. I immediately called the fraud dept. After over XXXX minutes talking to XXXX representatives, I WAS TOLD I COULD NOT MAKE THE PURCHASE SINCE I DIDNT HAVE MY ACTUAL CREDIT CARD!!! 
CONSUMER COMPLAINT : Wells Fargo is employing fraudulent claims to consumers. Before I applied for their credit card, numerous Wells Fargo representatives assured me I could use my account PRIOR to receiving the actual credit card by using their app and XXXX XXXX - however, they knew this was misleading and false. Request CFPB immediately formally notify Wells Fargo to cease and desist providing false information to consumers.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-07-30
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: JPMORGAN CHASE & CO. (GA)

Due to a glitch on the Chase mobile online account app, my money got sent to the wrong recipient via XXXX. This happened on XX/XX/XXXX. After this happened, I contacted Chase immediately, they opened an investigation and closed my case in less than 7 days stating they won't help me. XXXX customer service and claims department has been very unethical and I would like a refund of my {$35.00} that was taken from my account unwillingly and without my authorization. The claim reference number is XXXX.
Consumer complaint received 2024-07-30
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Paramount GR Holdings, LLC (DE)

On XX/XX/XXXX, I contacted Goodleap about the damages done to the my roof. They claimed that they were only responsible for offering the finance and refused to fix my roof because the solar company XXXX went out of business. I contacted GoodLeap several times and they refused to pay for the damages for a loan they financed! In addition, this company prevents customers from updating any payment information on their website as well as the records they have. It is very difficult to resolve this matter as I reached out to my state senator to address this matter. 

After this they have repeatedly denied they are responsible and constantly claimed that they are the financier. They have done nothing to rectify the matter. On XX/XX/XXXX I placed on a payment plan, I agreed to make my first payment on XX/XX/XXXX. I received a slew of emails and messages that made me make a payment when we had already agreed to an XXXX debit transaction. On XX/XX/XXXX, they took XXXX payments and refused to retuned the funds for the overpayment to my checking account. When I spoke to a XXXX she stated that I made an error. I was like, how did I make an error when XXXX payment was already credited to the account. When I asked assistance, I was told that there was no one to assist or refund my money for the excess payments! I was bombarded with text messages and emails that had me paid more than once, this is bullying and it needs to stop!
Consumer complaint received 2024-07-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I signed for a car loan XX/XX/XXXX for my now ex-wife and she told me through our last communication XX/XX/XXXX via text message that her vehicle was gon na be repoed by credit acceptance but it turns out they never found vehicle and never went after her because I'm the only name on the loan contract and turns out she was considered a third party as I later learned. I contacted credit acceptance XXXX  times to see why they could not pursue the vehicle in question and they reply by telling me its up to me to locate which I don't understand if its there vehicle but with a search with been verified and another site I located the where abouts of the which ended up at a salvage company in XXXXXXXX XXXX where it was crushed and sold for parts so I tell this to credit acceptance and all they ever want is me to make some kind of a payment for a vehicle that was never mine in the first place except for my signature of course and Definity a mistake ill never make again. I even called the salvage yard located in XXXXXXXX XXXX  and they were able to confirm the information and it was crushed on XX/XX/XXXX so how do I get credit acceptance to finally leave me alone so I can finally get my credit score back on track and move on with my life.
Consumer complaint received 2024-06-30
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. (FL)

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX account number ending in XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. This account is also reporting CLOSED and it is OPEN. Thank you in advance!!!!!
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

I am writing in response to the recent statements I have received from your agency regarding a debt allegedly owed to Synchrony Bank. I am disputing the validity of this debt and request that you cease all communication with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Firstly, I would like to bring to your attention the case of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, in which it was determined that mere statements are not sufficient evidence of a debt. Therefore, I am requesting that you refrain from sending any further statements as they do not provide adequate validation of the alleged debt. 

Furthermore, I would like to clarify that a cease and desist letter not only prohibits further communication, but it also implies the removal of any mention of this debt from my consumer report. As defined by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a, communication includes the reporting of information to consumer reporting agencies. Therefore, I expect that upon receipt of this letter, any negative information related to this alleged debt will be promptly deleted from my consumer report. 

In the event that your agency fails to comply with my request and continues to harass and abuse me through improper communication, I want to make it clear that I am prepared to take legal action to protect my rights. Pursuant to the FDCPA, I may be entitled to actual damages, statutory damages, and attorney 's fees. Enclosed is an itemized list detailing the potential costs involved in pursuing litigation for harassment and abuse. 

1. Actual Damages : - Cost of legal representation : $ XXXX - Loss of productivity and time : $ XXXX - Emotional distress and inconvenience : $ XXXX  2. Statutory Damages : - Per violation of the FDCPA : {$1000.00} 3. Attorney 's Fees : - Cost of attorney 's services for litigation : $ XXXX  Please be advised that this letter is not an admission of any liability on my part regarding the alleged debt. However, I expect your agency to comply with all applicable laws and regulations, including the FDCPA and FCRA. 

Thank you for your attention to this matter.