davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION (MD)

I am writing this letter to inform you of, what seems to me, to be a lending practice that discriminates against women by requiring additional documentation from female loan applicants. I have cancelled my transaction with the lender but felt it was important to report this practice as it may affect others in the future. 

I was attempting to refinance my home to consolidate my first and second loans, benefit from a lower interest rate and take some additional cash out to pay off a student loan and do home improvements. I have plenty of income, tons of equity in my house and significant other assets and net worth. I spoke with a loan officer and did not foresee any issues. After massive amounts of documentation was provided, the lender then requested I send copies of my separation agreements from two long dissolved marriages so they could be assured that I didnt have any obligations to my ex-husbands that they needed to know about. The first separation agreement was entered in XXXX, several years before I purchased, as a divorced woman, the property in question. 

Here is a little background. I purchased my house as the sole owner in XXXX and have been the only owner and borrower ever since. I have never owned this home with another person nor has any other person been a borrower or co-signer on the loan. I have refinanced it once and taken out a home equity loan since I purchased it. Never have I been asked for this documentation. In fact, never have I been asked for this documentation for any reason ever. It is simply not relevant. 

As part of the transaction, I was also adding my current husband to the deed and the two of us were co-borrowers. No such request for this type of information was made of my husband. In fact, it was never asked if he had been married before or had any contractual agreements with any individuals. When I questioned the lender about it, I was told my name change triggered this request. That is clearly discriminatory as in the overwhelming majority of cases, it is only women who change their name due to marriage. This practice puts an unfair burden on women to prove they dont have any lingering obligations to past spouses and does not require the same of men. 

I have not faced this sort of blatant discrimination since the time I attempted to purchase a car in XX/XX/XXXXwithout my husband present. My experience has been these archaic practices toward women and marriage ended long ago and I was quite surprised to find it rear its ugly head in XXXX.
Consumer complaint received 2018-03-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX I filed the following complaint on-line with the Office of the Comptroller which acknowledged receipt, assigned a case number ( XXXX ) and then mailed me a letter, dated XX/XX/XXXX, saying our case would be under the jurisdiction of the CFPB. They were " forwarding '' it. I now am told you have no record of this. Thus, I am resubmitting on your form the exact information I sent them : In late XX/XX/XXXX, we began the process of getting information on reverting our current line of credit 2nd mortgage back to interest-only. Our experience at our local Bank of America branch was alarming -- with extremely incompetent help. We contacted XXXX XXXX, Wealth management Retail Sales Manager and Sales Manager, as his name and phone number were on the documents we received. He apologized and asked us to " start over, '' that he would handle it personally. He came to our house on XX/XX/XXXX. After giving us information we all agreed that the best choice was just as we wanted ... to go back to an interest only home equity line of credit. My notes show he said we could have an interest-only home equity loan as long as we kept it for 3 years. He initiated the process. It took Bank of America until late XX/XX/XXXXto finally get the loan processed even though we have a checking account, first mortgage and the 2nd mortgage with them. Suffice it to say we have gotten numerous alarming and confusing mailings and phone calls asking for information, only to be followed with someone telling us the information requested is not really needed. Late XX/XX/XXXXwe got a call to schedule settlement. Details such as final interest rate were shared, including our payments. These were P + I payments. I explained that we were getting an interest only loan. I was told by the caller, XXXX XXXX of the closing department, that Bank of America dpes NOT even offer an interest-only loan any longer! We were shocked and dismayed. We feel this is an obvious bait and switch, with us investing time and energy in a process only to find they never were giving us what was promised. We are extremely concerned with this level of deception and want it investigated in the hopes of preventing other consumers from experiencing the same.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am current. Account is open with XXXX payment remaining. I get a notification from Transunion that XXXX reported my account as Charged Off/Bad debt. I contact XXXX via Email, and received a response on XX/XX/XXXX that they are not going to correct it and they are closing my complaint. I replied and informed them this is wrong and I am filing a complaint with CFPB. No response from company. 

On XX/XX/XXXX, I received an email from XXXX that my account could be charged off if they dont hear from me. I immediately responded and made a Promise to Pay for XX/XX/XXXX, my paydate. I received a response notifying me they will update the account and thanking me for the reply. 

I kept my word and paid to get current on XX/XX/XXXX. On XX/XX/XXXX XXXX emailed me thanking me for payment and informing me I can manage my account online. 

Then on XX/XX/XXXX, I get another email stating my payment due XX/XX/XXXX is late and they are willing to work with me, they get it life happens it says. But I had already paid via debit card. 

On XX/XX/XXXX I get a email payment reminder that my payment is coming up. 

Clearly my account was not charged off, and not closed.
Consumer complaint received 2021-03-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (TX)

This company keeps trying to request a payment on a vehicle that was a total loss on XX/XX/20 and XXXX insurance paid for the car on XX/XX/20 and I signed the title and power of attorney over to them on XX/XX/20 before check was disburse. Prior to this they kept calling said they havent received a check when Im looking at the email the XXXX had forwarded to me to keep for records. Then finally they said oh ok you owe {$560.00} for co-payment. I said my deductible is {$250.00} which it was added in the check because the XXXX told me and send me documentation. So after that each representative kept changing amount after the car was paid off and Gap paid the rest. Help Me. This company is double dipping Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2020-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA (MI)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2018-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TX)

I was tasked with short notice deployment around mid XXXX. Once it was confirmed on around the XXXX, I proceeded to call companies to get my services stopped and deferred. 

With GMFinancial, it doesn't seem like they respond at all to communications. When I contacted by phone around the XXXX, they kept me on hold or hung up the line. I managed to get hold of one on the XXXX and the representative told me to email the documents proving my deployment, after trying to figure out what I'm supposed to do. 

I attempted to do that, but their email server rejected it. 
" Your message wasn't delivered due to a permission or security issue. It may have been rejected by a moderator, the address may only accept e-mail from certain senders, or another restriction may be preventing delivery. '' I attempted to call over and over, but it's always the same thing. I've tried their emails, and the in-website service for " contact us '' 3 times.

I've been at my deployed site for 2 weeks with no response. If this keeps up, this will impact my credit because of their irresponsibility. I can not make phone calls out here either.
Consumer complaint received 2021-09-16
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: CITIBANK, N.A. (GA)

I noticed this fraudulent inquiry on my XXXX credit report and I've disputed it several times with the company and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiry immediately, thank you. 

Hard Inquiry Date CBNA XX/XX/20
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

o Wells Fargo- Staff/Managers/and Underwriter : - if anyone at all ... 
I XXXX XXXX XXXX have FULL AUTHORITY to act on behalf of XXXX XXXX per POA attached, as well as income trust. I also have a vested interest in this property as owner per quit claim deed dated XXXXI do itemize my tax returns as I handle/manage the property for XXXX XXXX and am a fully vested owner, I have the right to claim on my takes and a legal right/duty to collect/pay rent/make repairs etc on behalf of XXXX XXXX for XXXX XXXX . I as owner per my attorney have the right to handle her affairs concerning her HOMESTEADED PROPERTY. We are asking for the 3 month mod due to the back to back hurricane HERMINE XXXX and IRMA XXXX. We deserve this assistance just like everyone else because this was caused by Natural disaster Hurricane IRMA. I  had saved the 5 payments as I was informed not to pay during the review period. ( never believe anything you are told -usually not accurate- think common sense-save the $ ) .Thank XXXX I did save the $ I received as rent as I was forced to make payment today XX/XX/XXXX of those funds for 5 months @ {$3600.00} confirmation # XXXX with XXXX ID # XXXX, after speaking to XXXX XXXX supv . I have waited since XX/XX/XXXX for this mess to come to an end. Still unfair resolve with no end for us. As you are aware the servicing transfer of this loan takes place XX/XX/XXXX and we will be dumped on someone else to sort out the MESS ( bet you cant wait- but this is NOT the end of this I promise you ) as time is of the essence for me to resolve this on behalf of XXXX XXXX and the NUMEROUS months we have been strung along. I have enclosed every piece of documentation available to better assistance you with clarity of the entire picture of what happened. Bottom line I as POA and legal vested owner of the property with XXXX XXXX am requesting assistance for the 3 months we HAD TO use the mortgage payments to repair this property due to hurricane. Your reps told us to repair the property and workout options would be available to bring the loan up to date once it ended. For my loan XXXX not problem streamline mod no doc. For some reason ( more equity I believe ) you refuse to work with us on this loan. Please review all the documentation concerning this loan as well as my loan, which Wells Fargo error on XXXX affected this loan as well. Please contact me @ XXXX. Best Regards XXXX XXXX XXXX POA for XXXX XXXX XX/XX/XXXX. 
** see additional items attached
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW THESE INQUIRIES GOT ON ME CREDIT. I KNOW FOR SURE THAT THAT DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE PLEASE.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2018-02-21
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: EQUIFAX, INC. (IL)

There was a XXXX Credit Card Opened in My name on XX/XX/2013 ( 4 yrs, 4 mos ) Balance Owed is {$18000.00} which is 122 % over the credit limit due to interest charges and fees accurred
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PRESTIGE FINANCIAL SERVICES INC (MO)

I have inquires on my report inwhich I have No knowledge of all these inquires occurred on XX/XX/2017 XX/XX/2017
Consumer complaint received 2021-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The consumer reporting agency has violated 15 usc 1681 ( a ) by reporting inquiries on my consumer report. The law clearly states, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from the consumer report. The action of the consumer reporting agency reporting inquiries, on my consumer report, is an additional violation of 15 usc 1681 as the action violates my right to privacy. Through the action of reporting inquiries on my consumer report, the consumer reporting agency has violated 15 usc 1681 ( b ) being that I have never submitted written instruction to the consumer reporting agency granting my consent to report inquiries on my consumer report. 
The consumer reporting agency was notified of its violations in writing. Confirmation of delivery and receipt of written notification on XX/XX/2021. A report was also filed with the Federal Trade Commission. To date, the consumer reporting agency has not made any attempt to correct its violations of the aforementioned consumer protection laws.
Consumer complaint received 2022-05-02
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. (OH)

My date of birth is wrong on Equifax credit report. I recently found out a care provider ( I am XXXX ) used my social with a different birthdate to open accounts. My mother did not know and had made payments on some of them. Now that we know we need the credit reports to show my correct date of birth and accts removed as well. I already submitted CFPB complaints and thru all XXXX burueas. XXXX is completely resolved, XXXX updated the date of birth but has changed it back a few times and Equifax is still wrong, correct birthday is XX/XX/2003
Consumer complaint received 2020-06-04
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: Santander Consumer USA Holdings Inc. (OH)

I purchased a used vehicle from XXXX used car dealership in XXXX of XXXX at over {$14000.00} ( extremely high interest rate from their predatory lending ). The car was financed through Santander Consumer USA bank. I made my payments to them from XXXX until XX/XX/XXXX. With 5 more payments due on the loan, I traded the car into XXXX XXXX XXXX on XX/XX/XXXX where they paid off the remaining balance of the car loan. While XXXX was checking my credit report, they realized that my 6 years of payments to Santander wasnt listed on my credit report. Therefore I contacted Santander to see why it wasnt listed, and they claimed it was removed by my bankruptcy lawyer which is untrue because a lawyer doesnt have the authority to do so, only a creditor ( as in Santander ) can do that. My Chapter XXXX debt consolidation bankruptcy was filed in XXXX of XXXX and DID NOT include the car loan with Santander as I was making those payments directly to Santander. After numerous calls over the years of this loan, Santander refused to supply me with any information on my car loan. Today I was able to have them send me my payment history via email so that I can submit this complaint against this horrible and unprofessional company so that they can do the right thing and report my payments to the credit reporting agencies like they should have been doing for the past 6 years.
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

In XXXX had a financial problem, because of the decline in the economy I was not able to collect my income from my job. Over {$70000.00}. was owed to me and I could not collect it. 
I tried to pay whatever I could on my mortgage. They returned the payments that I made to me and put me in foreclosure. I hired two different attorneys to help me and have paid over {$6500.00}. plus {$1200.00} to the Trustee on a Bankruptcy that was incorrect. 
I now have a sale date on my home for XX/XX/XXXX.
Consumer complaint received 2024-02-28
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I rented a car and then canceled the reservation because the company charged XXXX weeks ahead of reservation date. 

When I canceled, rental car company refused to give me a refund. 

I contacted Capital One bank and they said they couldn't resolve the issue either and I ended up paying for a car rental which I didn't use.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (FL)

I have had a Chase XXXX XXXX XXXX credit card for several years. The card provides for a free XXXX XXXX hotel room on the anniversary date of the card, which is in XXXX. Chase upgraded my card without my permission and unilaterally changed the anniversary date to XXXX. Therefore, I didn't receive the free hotel room in XX/XX/XXXX and will have to wait until XX/XX/XXXX. I intended to utilize the free hotel room in XX/XX/XXXX. I have contacted Chase and they refuse to rectify the situation.
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (ID)

Lakeview Loan service or XXXX service. The loan service was contacted on XX/XX/XXXX for 41 minutes due to not being able to log in to my account on either the app or website. After re-setting my password and re-registering my account twice the tech support was not able to help me and I was told I would receive a phone call in a few days with other solutions. I never received a call but tried to log in a week later and it seemed to work. 

Saturday XX/XX/XXXX. Customer service called about login problems with same error message and was on the phone for 30 minutes with no resolution with payment due on XX/XX/XXXX. Was told my problem would be forwarded to Tech support and they would get back to by by Wednesday and my payment would not be considered late until XX/XX/XXXX. 

Today, Thursday XXXX, I still had no word from tech support and numerous login attempts and password re-setting later, I contacted the customer support line again. I was told to reset my password with the same directions as previously failed with error message " Problem occurred trying to validate credentials. Please try again. '' I was transferred to the tech support team, had my account deleted twice and had to re-register twice. The second attempt was successful. Asked the support woman to stay on the line while I made a payment ( she did not ) and then logged off and attempted to log back on the my account ( after making a payment ), and was given the same error message. All of this took another hour of my time and has yet again failed to maintain my ability to make payments or log on to make sure my land taxes came out of my escrow account later this month. 

Although the gentleman that originally helped my on XXXX was kind and helpful, there was no follow through. The woman from tech support today was rude and condescending with accusatory tones that somehow my ability to login to my account must not be the companies fault since they could not see anything on there end that would cause such a problem.