davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I called my mortgage company to re-fi they told me I was not reported as paying on time on my credit report. I asked them to please correct that as they are my mortgage company and they can see I have never been late or missed a payment in the entire 6 1/2 yrs that I have had a mortgage. They confirmed that was correct but said it was in my bankruptcy from 3 yrs ago. I said if that was so why would I still be paying it and living here. it makes no sense. They want me to hire a lawyer and re-open my case, I spoke with a lawyer and he said they have the power and the duty to report correctly to the credit bureaus that the mortgage is active and open and payed for on time, Thank you
Consumer complaint received 2020-10-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

It was my first leased vehicle and at that time we were starting a new family. We went to XXXX XXXX XXXX to get an XXXX in XX/XX/XXXX. The sales person showed us that leasing would be a great option for us and that he too leases then gives his car to XXXX to make some money off before lease term. They advertised and agreed to 36 months lease. After going back and forth with the mileage option, they reprinted the agreement with more mileage but changed the term of lease to 38 months. We did not notice the change that was made and we were under the impression that it was still 36 months as discussed. During the time of COVID around XXXX or XX/XX/XXXX, when situation got rough, we called to see if they can take the car back and help us out. It is then we were told that our lease term is 38 months. We looked at the agreement and saw it was 38 months. We reached out to the financial company and they told us to go to the dealership. We went to the dealership and they told us that this would be something XXXX financial would be able to fix. The dealership tried to get us into another car, which we declined. Now that we are coming close to 36 months, we get a registration letter from XXXX saying that renewal is due XX/XX/XXXX. The registration amount is close to what we pay for 1 month of payment. We called the financial service and spoke to the manager and they said there is nothing they can do. We are not stuck either taking a loss on either the DMV fee or handing the vehicle early with payment for 38 month term. I felt like we were scammed and no one was able to help us. I would never do  business with XXXX again nor would I recommend anyone to shop at XXXX XXXX XXXX. We felt deceived, especially because the sales and the finance department of that dealership were the same cultural background as us and they used that to their advantage by tricking us with various documents. We found this dealership to be shady as all the people that worked their were moved or no longer working there. Which reminded me that the elder white gentleman was upset and there was high tension going on, we went back 1 week later to pick up the mats for the car and that gentleman was no longer working there. Something just didn't seem right at that dealership. I hope they would take this complaint into consideration and make things right.
Consumer complaint received 2016-02-01
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A. (PA)

I have received numerous call from this company called XXXX XXXX XXXX. They call me multiple times a day from different numbers while I 'm at work. I 've explained to them on more than one occasion that since I work in a XXXX that I can not except calls during the day, which they continue to ignore. They are often times rude during the few call that I have taken. They also for several months now have threatened to take me to court and claim to also be in the process of verifying my place of employment. I have searched this company online and have found that they have been involved in numerous scams. I am not sure what else to do or if this company is legit.
Consumer complaint received 2016-02-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

Ca n't cash IRS refund check at any store, i.e. XXXX or XXXX. Contacted Certegy and it was useless. Said it was risk factors set up in the software. Now have no idea what to do. How is it possible that there is a risk factor in cashing an IRS check?
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

We mediated with Select Portfolio Servicing , Inc. in XXXX XXXX to allow us an opportunity to sell the property through a short sale prior to foreclosing. On XXXX XXXX, XXXX we received an offer of {$50000.00} cash. SPS had a broker price opinion done and said the property was valued at {$64000.00}. We disagreed with this price and they suggested we go out and pay for a third party certified appraisal. We did and that appraisal came back at {$52000.00} on XXXX XXXX, XXXX. SPS then told us we needed to update the contract with the new price, get a new proof of funds and produce a new HUD statement. All of which we did. They denied the new offer stating it was still too low in mid XXXX. In XXXX, the Realtor got the same buyer to go up to {$57000.00}, {$5000.00} above an appraised value of {$52000.00}. SPS requested that we get an updated proof of funds and a new HUD statement, which we did. SPS sent out for another Broker price opinion. After we went through this appraisal process for the third time, SPS sent me a letter stating that two and a half weeks would not be enough time to consider this new offer. I contacted SPS multiple times asking them to postpone the sale for 30 days to give us time to complete the short sale and they have refused. I truly feel that SPS purposely strung us along making us think we had a chance at a short sale, making us jump through many hoops with no intention of allowing for a short sale.
Consumer complaint received 2016-09-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (CA)

XXXX XXXX XXXX is attempting to collect on behalf of XXXX XXXX Student Loan XXXX XXXX for a remaining balance reported to them by American Education Services of XXXX loans. This balance has been accruing interest for almost 9 yrs without my knowlege or notification of a past due or outstanding payment. These loans were both paid in full on XX/XX/XXXX through a consolidation loan I received from XXXX XXXX ( now XXXX ). Original loan documents as sent to me by XXXX are attached showing paid in full.
Consumer complaint received 2016-01-12
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Indicated committed crime not paying
Company: National Enterprise Systems, Inc. (CA)

I 've been paying on this student loan ( private ) that had gone into collections for almost two years. While working with a credit repair agancey they told me that the $ XXXX that I owed and had been paying on was not being reported to my credit report and would remain in collections until I paid in full or settled. Also their interest rate was 4 % on the loan amount per day! so only half of my monthly payment was going toward the loan. I find that it 's totally illegal to hold someone hostage like this with such a huge amount ESPECIALLY when they are paying on time and have been.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (UT)

American Express was included in my XXXX XXXX bankruptcy in XXXX. I withdrew it in XXXX. I tried to reach a settlement and never was able to get to the right department. 
Since XX/XX/XXXX They have shown write offs {$3200.00} every month. This practice will keep this on my credit report for an additional 7 years. I have tried to have the credit bureaus address in on more than one occasion and they do not. When I worked with XXXX a couple years ago American Express sent me a letter but it was about an account long closed. I have not been able to resolve this and it has negative impact on my reports which I have been rebuilding since the withdrawal and my divorce.
Consumer complaint received 2017-03-09
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Rosebud Economic Development Corporation (CT)

Zoca Loans is not licensed to do business in CT. Per CT statue Conn. Gen. Stat. 36a-563 et seq.Usury act applies or small loan act applies. The can only charge 30.03 % interest. {$11.00} per {$100.00} up to {$1800.00}. They are charging $ 769.35 % interest.
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WA)

I am filling a complaint against Equifax credit. I have submitted documentation to Equifax numerous times over the last 2 years and have had no resolution in the matter. I have provided documentation on a tax lien that was satisfied two years ago and they refuse to remove from my credit report. They state the reason they will not remove the tax lien is because they have a retention rule that keeps it on my credit report for 10 years and the only way to remove is if the court will electronically send a letter stating the acceptable removal of the account. Upon communicating with the courts they do not provide the letter requested by Equifax and they have already sent a letter of satisfaction to Equifax. I have done this with the other two credit companies XXXX and XXXX and they have removed it from my credit report and Equifax refuses to. This matter is severely hurting my approval for a business loan I have applied for.
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went thru a traumatic divorce, so my ex-wife did fraudulent checks on my account and the bank put a freeze on my accounts. My accounts were in Colorado. I was out of state on business and the bank called, so they froze my account, fast forward I moved to XXXX XXXX to start a new life but I end of losing my house and became homeless because I did not have access to any of my accounts. Eight years later I lost my trailer home due to Hurricane Ida, and now the fees are very high and some of my banks are overcharging ridiculous fees so I can not pay due to them charging daily rates and I have been in financial ruined by the banks not helping me to release the monies but also I have enough monies in each accounts at the banks that it would cover what my ex wife stole from me. I have been treated unfairly by several of my banks. It has caused mental and financial stress on me, to live the life I previously had. I cant get any help from the banks Ive talked to the banks in fact 4 of the banks and they all put daily fees so high that I have no money to pay but there is more than enough to cover the fees in all my accounts. I am a consumer and I have rights and have been treated unfair.
Consumer complaint received 2016-03-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP (OR)

I called in to close my credit card on XX/XX/2015the account was paid to zero and I was told it was closed. I have been getting notified each month that it is past due and late fees keep getting assesed due to unpaid interest. I have told now on 3 occasions that the situation is being taken care of to a bank error in not disclosing that there was going to be an addition {$12.00} to pay. They keep waiving the late fee and telling me that the account is closed while giving me confirmation numbers of this. As of today it is still not resolved and I am getting nowhere with the bank. I want them to remove the late reports as I have outstanding credit and being penalized because of their incompitance. And for someone to help me get this card closed out like I having been trying to do since XXXX/XXXX/15. I am beyond frustrated and about to lose my mind over this.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX, 2016 I checked my credit on XXXX and had a total of XXXX hard inquires removed from my report. I checked my account again on XXXX XXXX, 2016 and all XXXX hard inquires were placed back onto my account without sending me a reinsertion letter as required by FCRA Section 611. I have called Transunion at least once a week since then to try to get this issue resolved and have received no help, no one will transfer me or connect me to an American representative or the fraud department, multiple agents have even been belligerent, some have even told me they know what happened but it 's basically too bad and that I should just file a complaint because they will not fix the issue.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion claims there is an accurate public record being reported on my credit report. I 've asked them to verify it with the company reporting. I 've asked them for proper proof of verification & they requested I contact the data furnisher. When I contacted the data furnisher they claim they do not report to the credit reporting agencies & no one has contacted them directly to verify the information. I would like the public record removed from my credit report immediately!!!
Consumer complaint received 2024-03-10
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo issued me a credit card for home improvement. In XXXX, I went through a painful mortgage refinance due to mental health issues ( I am a XXXXXXXX XXXX  ) that doubled my monthly payment. As a result, several bills went unpaid while I tried to regain control of my finances. I worked with many creditors to get on payment plans and attempted that with Wells Fargo. On two separate dates in XXXX in XXXX and XXXX, I pleaded hardship with the company and offered to pay what I was able per month, a sum of {$100.00} per month against a balance of about {$6000.00}. The minimum payment to get my account straight is in excess of {$1000.00} and needless to say I am unable to come up with that amount for one creditor. Wells Fargo refused to work with me both times I called and told me there would be a " promotion '' in XXXX wherein they could reduce my interest rate and work with me at that time. In the meantime, they continue every month to report me to credit agencies even though I send them the {$100.00}. It's almost pointless to do so.
Consumer complaint received 2022-02-09
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. (MI)

Equifax reports two loans, both with XXXX XXXX, with balances due. I disputed. Equifax reported the dispute results : {$0.00} balance on both. XXXX has shown proof that the balances are {$0.00}. Equifax continues to report a balance on these accounts. Calling support is useless. Call center is foreign and asks for full social security number over phone. If the dispute department found that the balance is {$0.00}, why is it still reported as balance due? If they don't trust themselves, there is little I can do, except go to court.
Consumer complaint received 2023-03-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (OH)

I have an Upgrade card ( account # XXXX ) and a line of credit form them of {$8500.00}, yet they have not reported to the credit bureaus the extent of my credit line. 

They have only reported my amount owed. Upon calling the company, I was told that it is viewed as a " personal loan '', and therefore they were not obligated to report the full line of available credit. However, my amount owed shows up on my credit report under " revolving accounts '' and not under personal loans, which is affecting my credit negatively. As you can see in the attached document, it is clearly stated by the company that I have {$7000.00} in AVAILABLE CREDIT. I believe this is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi closed XXXX and XXXX without my permission were closed and removed from consumer reports Citi XXXX and XXXX still have inaccuracies. XXXX, XXXX and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates.

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses - remove all Non-Mailable addresses remove all Nonpublic Previous employers Incorrect non-matching account type-detail incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching credit limit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am upset with Capital One and all other credit cards that promote a % return on what is spent on the card. These customers are not saving but rather running up their credit card debt. The % return only really lowers the high credit card interest rate by a miniscule amount. People do not understand this obviously.
Consumer complaint received 2015-08-19
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (CA)

I have a VA loan through Stonegate Mortgage XXXX XXXX XXXX, I prefer to make my payments on the XXXX and the XXXX, it simply prevents me from using any of the money that needs to go into my mortgage and is a convenience for me. Stonegate has been taking my payments from the XXXX, placing it in a holding account and NEVER applying it to my mortgage. Then, they reported me to credit reporting agencies AND charged me a late fee, when I was actually early and paid them more than my actual mortgage.
Consumer complaint received 2017-01-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (MN)

I was recently married and added onto my husbands account at Navy Federal Credit Union. We do n't live anywhere near a branch but it was important to my husband that we use this account as our primary account as this Credit Union is for military families. I attempted to make a deposit of a check thru the mobile deposit feature on the mobile app but received the following message " You need to be a member for at least 30 days in order to use Mobile Deposit. We are currently experience issues with Mobile Deposit enrollment. For assistance, please call Navy Federal at XXXX. '' I called and the representative informed me that I needed to open my own membership account in order to have access to this service. I informed him that I did n't need to make deposits into another account, just this one. I requested a supervisor and spoke to XXXX a Contact Center Supervisor. I again was unsuccessful at gaining access to make deposits into my account. I explained I already check for local ATMs to deposit in, they do n't participate in shared branching, etc. They informed me that I either needed to have my husband make the mobile deposit or I needed to mail the check in. I have no credit issues, long time on my job, etc. The only issue is that Navy Federal is forcing joint owners to open membership savings with them if they have no other options to conveniently make deposits. I have my husband at home and can have him make the deposit for me. This institution is for military families and not all joint owners are going to have that same access to their spouse as I currently do. To make struggling military spouses open a separate account to be able to make deposits into a different account when there is n't a nearby branch is n't right.