davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

Re : XXXX - XXXX - XXXX Initial PenFed representative lied to me, and eliminated an important Heloc option that was still available to me : Email from XX/XX/2018 : " Due to a high debt to income ratio, XXXX does not qualify for the 5/5 product. Please have XXXX contact us to advise how she would like to proceed. XXXX ext XXXX. '' - XXXX XXXX, Mortgage Loan Processor, MLO # XXXX Because XXXX XXXX started to ignore the rest of my emails and was never available by phone, I was forced to contact the Executive Team. The Executive Team connected me with XXXX XXXX, Supervisor, 2nd Trust Mortgage Operations, MLO XXXX. 

XXXX explained to me that the previous representative was mistaken. She told me that the product I initially applied for " 5/5 Heloc '' was still available to me. That I can opt in for it right away, and all she had to do was run a free appraisal report ( which she then sent to me ).  If I wanted a higher line, however, someone would physically have to come and inspect the property. A physical appraisal comes with a {$450.00} fee. 

Never once did she highlight the fact that after paying {$450.00} ( in an already distressed situation where someone came to Penfed looking for financial help ), that there's a risk of a denial for both of the initial products that were considerable options. 

To summarize : 1 ) Mislead me and tried to force me into a product I never even wanted. 
2 ) Corrected the previous mistake and offered me the initial product I applied for ( after hours spent on the phone and dozens of emails sent ), but recommended I pay them {$450.00} for an appraisal.

3 ) After paying the appraisal, denied me for both of the products that were offered as options. 

Left me with - {$450.00} in my bank account. And 2 unsatisfactory options that were never even discussed initially, and that I am not in the least bit interested in. 

If I had known in advance that paying {$450.00} opens me up to the risk of being denied both of the options that were initially offered, I would have never agreed to it. Feels predatory and done in bad faith.
Consumer complaint received 2018-06-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (NY)

I purchased a car from a XXXX dealership and obtained financing from GM Financial. I made all of my payments on time, without any late payments or less than the amount required. In XXXX of 2018 I paid off my loan in full, years in advance. The title was released immediately, however GM Financial then promptly stopped reporting everything related to my account to the credit bureaus. I have a perfect credit report. I do not have a single delinquency, collection, or negative remark on my credit. However, I now have this account on my report which has not been updated for going on 6 months and it is starting to have an impact on my score and my credit worthiness in the eyes of creditors. It does this for two reasons. 1 ) It appears that I have a balance for on a loan that originated on specific date and the balance has not decreased like it should be. While there have not been reported dates and lenders can see that, it isn't being taken into account. It reflects poorly on me. 2 ) When I paid off the car, I did so because I sold it because I unexpectedly moved to XXXX and no longer needed it. It was a relatively new car and I took a large loss on it and I had to take out an unsecured personal loan to cover the difference. So now I have the loan of the personal loan counting against me PLUS this car loan because GM Financial is refusing to pushing that I paid off my account.

I have called GM financial repeatedly about this issue. They have claimed to have updated their system and as a result have stopped reporting to the credit bureaus. I am a software engineer with 15 years experience. I can tell you that you do not roll out a system upgrade like this if you need to take a portion of it offline for 6 months because it doesn't work yet. I was told multiple times that I was back online and it still hasn't been reported. At this point it is impacting my life and and I am unable to obtain financial products that I am seeking specifically because of GM Financial. If I am in this situation and I have a perfect credit report and an income of XXXXyr, how many other people is GM Financial impacting with their sloppy system upgrade?
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ND)

My wife received a statement last week from Bank of America for a Core Checking account that she never opened. It was addressed to her parents which was her old address, so luckily it got fwd 'd onto our new address. It was also in her maiden name, which is another sign of fraud. We called Bank of America 's fraud department, waited for a rep for 80 minutes, explained the situation, he confirmed our identity, looked up the new account, then we asked how this ever got opened since we never did this, and also asked if this was an account setup by a Bank of America employee to get a bonus, then he put us on a hold and then hung up on us. We are fairly certain this has been unresolved, and that Bank of America opened this account without my wife 's permission. I looked up the details of the Bank of America Core Checking account and see there is a fee associated with the checking account that we never opened. Bank of America does not have a branch or ATM in the state we live in, which is another red flag.
Consumer complaint received 2019-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/XXXX, XXXX XXXX, the current servicer for the loan filed a lis pendens under the assume name " XXXX XXXX XXXX ( XXXX XXXX ) ''. Under Florida Statute 702.015 ( 4 ), If plaintiff is in possession of the original note, the plaintiff must file under penalty of perjury a certification with the court, contemporaneously with the filling of the complaint. XXXX XXXX failed to attach a certification under penalty of perjury to the complaint. Pursuant to Florida Cicil Rules 1.110, plaintiff must verified the complaint and its string of documents adequately. The complaint reflects that XXXX XXXX XXXX allegedly verified the complaint, however XXXX failed to verified the documents relating to ownership accordingly. The record reveals that XXXX XXXX have engaged in Florida 's Deceptive and Unfair Trade Practices Act, Chapter 117, Florida Statutes, which governs activities of notaries public, Chapter 668, Part II, Florida 's Uniform Electronic Transaction Act, and Chapter 695, governing record of conveyances of real state. Under Florida law, corporations may convey real property in accordance with the requirements of either section 689.01, Florida Statutes ( 2004 ), section 692.01, Florida Statutes ( 20040, or section 692.02, Florida Statutes ( 2004 ) Section 689.01, which requires that any conveyance of real property to be signed in the presence of two subscribing witnesses. XXXX XXXX also failed this requirement. See attached assignment of Mortgage book 29026 page 4582 and assignment of mortgage book 28927 page 2030. Please review, you will find that the entire documents has been forged. All signatures on both assignment are IDENTICAL, which means that someone cut and paste all signatures instead of signing the document in the presence of two subscribing person and notary. Both assignments have been forged and does not convey ownership. A void of forged instrument is a void, see 3 DCA Case Law XXXX v XXXX XXXX. case no. XXXX. On XX/XX/XXXX, the state of Florida entered into an assurance with XXXX XXXX XXXX XXXX. This company engaged in Floridas Deceptive Unfair Trade and the falsification of mortgage documents, including forged assignment of mortgages and other documents. See copy of assurance. XXXX XXXX entered into a consent to judgment and consented to never filed forged documents of a fraudulent in nature actions. XXXX XXXX has violated the consent to Judgment with the government and are subject to sanctions at this juncture. We ask that you review all documents and sanction XXXX XXXX  for all the mention violations in connection with the foreclosure action using a string of forged documents.
Consumer complaint received 2018-06-06
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX I submitted a dispute to Equifax regarding some accounts on my credit report showing the incorrect balances. I am trying to obtain a mortgage loan. After speaking with a loan broker I was adviced to cancel the disputes that the loan broker will make sure all the account balances update accordingly. I called Equifax XX/XX/XXXX in which they adviced me to fax them a letter canceling my disputes. I faxed the letter on XX/XX/XXXX. OnXX/XX/XXXX I get an alert to check my credit and all but 1 account dissapeared off my Equifax credit report.

I am missing : - XXXX XXXX  credit card -XXXX XXXX credit card -XXXX   credit card XXXX XXXX credit card -XXXX XXXX credit card -XXXX XXXX XXXX XXXX then the XXXX XXXX credit card is showing an old reporting age not the most recent one of last month.

These all were showing as of yesterday, they had been there since opened few years ago, all accounts are supposed to be open and in good standing.

I called Equifax and they can not help me. They have no response as to how my file got 99 % deleted.

I called all my creditors and they say they report to the bureaus monthly and can not explain how Equifax has done this. 

This is hurting me more than ever. I need my credit report to show.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BCI FINANCIAL GROUP, INC. (TX)

I signed up for an online Money Market Account with XXXX  and XX/XX/XXXX and sent an initial ACH deposit to open the account. The funds were taken out of my account on XXXX XXXX and I have still not received any communication from the bank on how to access my account. I have sent numerous emails without a response, I have waited on hold for over an hour on the phone to be told it is taking them a long time to setup accounts. They have now had my funds for 5 business days, 7 days total and I do not have access to them. Their own funds disclosure terms say I should have access to my funds within a day.
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I'm a XXXX. customer of Bank of America and have a Preferred Customer classification with BofA. On XXXX XXXX I started the loan process to obtain a loan for {$89000.00} to purchase a second home. I had already deposited {$22000.00} with my escrow company to purchase a second home. On XX/XX/XXXX BofA provided a loan estimate. I worked with their local credit solution advisor ( XXXX XXXX ). After several discussions with the bank, they told me the home I wanted to buy was too close to my existing residence. It would have to be an " investment property '' requiring the 20 % down payment with the escrow company. BofA quoted me estimated closing costs of {$6800.00}. After several more document requests and few answers why they considered my loan an investment property they up the closing costs to {$10000.00} for {$89000.00} XXXX. loan. My complaint is Bank of America 's online process provided little guidance on why they need so much documents, many they already have. And little explanation why they changed their original estimate and up the costs. They also quoted me and obtain an appraisal fee of {$950.00}, other lenders were charging {$650.00}. My BofA credit advisor told me they charge more because they require faster service from their appraisal partners. I paid my appraisal fee on XX/XX/22. I'm still waiting for the appraisal report ( XX/XX/22 ). And due the delay, by BofA, the seller has to pay an added " padding '' fee to escrow company and a delay in closing of the loan. BofA is unprofessional in providing information on specific loan questions, I requested and explaining added charges. I am XXXX and wonder if BofA is discrimating against me or they system is flaud and their staff is not properly trained. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (AL)

Purchases made at best buy with Citibank Best Buy card on 2 or 3 occasions. Each purchase was no interest if pain in x # of months. My card had an amount I was to pay each month. I had no idea the amount wasn't divided so each purchase would be paid off during interest free period. Total surprise to find out I had to pay the interest because I hadn't paid it off. Had I known it would have been paid. Why would a company send a bill for what was due monthly and it be less than amount to avoid interest charge. This is a scam. They can say whatever but no one at best buy ever mentioned this. It was all about " no interest if paid by ''. Then I'm told certain amount was due and I made the mistake of thinking it was divided into equal payments to avoid interest. I have another credit card that shows one amount to pay for no interest and a different amount that will cause you to pay interest. Up front explanation. NOT CITI BANK FOR BEST BUY. I truly feel like I've had the wool pulled over my eyes.
Consumer complaint received 2017-08-10
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (OH)

I receive multiple calls from Navient on a daily basis in regards to my student loans. I was told by a lawyer that I can request that they not call or contact me by phone. I made this request to Navient but continued to receive numerous calls each day, when I asked why I was still receiving calls I was told that I did not make my request in writing. In response I sent Navient a cease and desist letter informing them that I do not want to receive any calls. To this day I am still receiving call from Navient on an hourly basis.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I sent inaccurate information to Equifax that they improperly verified an account, with the account status stating it was open. Due to the law because they did not properly verify this account. They did not delete it either and that is a violation.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In XX/XX/2021, XXXX updated that my account was closed ( see attached ). I thought they had closed my account as a result of me consulting a lawyer to request that i exit the contract based on deception on their behalf. Therefore, I thought that this account was closed and XXXX had stopped collecting. However, on XX/XX/2021, XXXX reported to the credit bureaus that I was 30 days past due on this account. This was highly confusing and misleading since they had reported that this account was closed. Thus I made a payment to bring this current up to date. I am submitting a dispute on my credit report on the basis that this account is reporting closed at one of the credit bureaus but yet XXXX is still collecting and also on the basis that the balance is incorrect, because this account is now current. I have attached all of the supporting documentation to support my claims above. A fair resolution is for XXXX to stop collecting since they reported that this account was closed or if they can't do this, then to bring this account up to date as current due to misleading the customer into believing the account was closed by reporting this on my credit report and that they had stopped collecting. A fair resolution is for XXXX to stop collecting since they reported that this account was closed or if they can't do this, then to bring this account up to date as current immediately due to misleading the customer into believing the account was closed by reporting this on my credit report and that they had stopped collecting.
Consumer complaint received 2018-02-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (SC)

I was billed by a company called XXXX XXXX XXXX for XXXX XXXX that i received from XXXX XXXX XXXX I was charged two amounts for {$5100.00} and {$3000.00}. I spoke with XXXX XXXX and was told this was a mistake and I was not liable for this. Recently I found out all three major credit reporting agencies ; XXXX, XXXX, and XXXX has a collections on my credit report for these amounts from XXXX XXXX. I never received any notice of this. I spoke with my insurance company ( XXXX  of SC ), XXXX XXXX XXXX  ( the originator of this test ), and XXXX XXXX XXXX c/o XXXX XXXX XXXX who billed me for this. I also spoke with an investigator who told me that this was an error and I should have never been charged these amounts and told me that I was not liable for this. After speaking with the investigator, the last contact I had with him, he informed me that the issue had been cleared up and I wasn't liable for this. I wasn't alerted that this had been sent to collections until Recently even though XXXX XXXX  was given the account in XX/XX/2017. I never received any written notification via mail. After being alerted that these charges were sent, I called XXXX XXXX XXXX c/o XXXX XXXX XXXX. I came to find out that the company is dissolved since filing for bankruptcy and had multiple lawsuits against them fraud. I have submitted disputes with each credit reporting agency as I was told on multiple occasions that I wasn't liable for these cost and should have never been billed in the first place. I have also reached out to the investigator that I was speaking with before to find out why this wasn't cleared up and why it is now in XXXX XXXX   possession. XXXX XXXX XXXX was no help in trying to resolve this issue and tried to pass the blame to another entity who has no connection.
Consumer complaint received 2018-06-06
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: General Motors Financial Company, Inc. (MD)

On XX/XX/2017, I went to XXXX XXXX to purchase a car. I had a open check from XXXX XXXX XXXX XXXX for {$30000.00}. However, the finance guy asked if he could get me more money for a lower interest rate. I filled out an application for XXXX XXXX   only and asked that be the only bank my credit be ran. The finance guy came bank an told me a ridiculous amount and I purchase XXXX XXXX XXXX with my bank check. 

About two weeks later, I started receiving letters from about 9 banks why I was denied credit. When I took my car for regular maintenance I asked why they ran my credit for all these other banks and he could not answer only apologized. I never gave XXXX permission to run my credit for 9 different banks and messed up my credit.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/2021, XXXX updated that my account was closed ( see attached ). I thought they had closed my account as a result of me consulting a lawyer to request that i exit the contract based on deception on their behalf. Therefore, I thought that this account was closed and XXXX had stopped collecting. However, on XX/XX/2021, XXXX reported to the credit bureaus that I was 30 days past due on this account. This was highly confusing and misleading since they had reported that this account was closed. Thus I made a payment to bring this current up to date. I am submitting a dispute on my credit report on the basis that this account is reporting closed at one of the credit bureaus but yet XXXX is still collecting and also on the basis that the balance is incorrect, because this account is now current. I have attached all of the supporting documentation to support my claims above. A fair resolution is for XXXX to stop collecting since they reported that this account was closed or if they can't do this, then to bring this account up to date as current due to misleading the customer into believing the account was closed by reporting this on my credit report and that they had stopped collecting. A fair resolution is for XXXX to stop collecting since they reported that this account was closed or if they can't do this, then to bring this account up to date as current immediately due to misleading the customer into believing the account was closed by reporting this on my credit report and that they had stopped collecting.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had a mortgage with BOA. The Loan was paid off in XXXX 2014. BOA is reporting that I am 90 days late in XXXX of 2014. I could not have been late in XXXX of 2014 when my loan had been paid off in XXXX of 2014.
Consumer complaint received 2022-08-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

Mortgage company stated they informed us through the mail that the mortgage payment was going up, we never received a letter from them informing us of this event! We continued to make payments of previous amount due on time. 
The mortgage company received our payment and deemed it to be a partial payment, and reported it as a late payment to the credit reporting agencys. 
Our payment as we knew it was made on time. We had no knowledge of a payment increase, and continued to make the same payment as usual. 
When contacted by us the mortgage company just said they mailed a rate increase to us, and there was nothing they could do it was a late payment!
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: E*TRADE BANK (IL)

I opened a checking account with EtradeXXXX XXXX XXXX bank . 2 weeks ago my account was closed without warning. I have asked repeatedly for wire instructions on how to get these funds with nobody able to assist me. This is my only money and is used for my kids ' medical bills and household expenses.
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

my mortgage company PennyMac Loan service llc sent me a letter informing me i have a lapse on hazard insurance, the lapse is 52 days and i am charged {$1600.00}. PennyMac put in place an insurance for a coverage of {$2.00} million, my property 's appraisal price is less than XXXX XXXX and mortgage amount is XXXX  XXXX. 
I checked my policy and acknowledge this lapse. however the hazard insurance i purchased costed {$200.00} annually. This is a serious ripoff.