davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (OR)

I just learned today from a XXXX XXXX XXXX XXXX that there is a XX/XX/XXXX law stating that credit card companies have to give you the option of freezing your account at the current interest rate before raising it. Wells Fargo did not do that for me in XX/XX/XXXX, instead just arbitrarily raising my rate from about 12 % to 30 %, where it has been since. Had they given me that option, I would have frozen the account and it would be paid off today as it has a limit of {$2500.00}. When I left a message for my banker about this, I got no response. 

I recently got fired because I XXXX in the work place and I can not pay my rent, let alone a credit card bill. I need help. The fee for the " non-profit '' counseling center Wells Fargo sent me to is higher each month than the 30 % interest!
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (CA)

I made XXXX mortgage payment electronically from my XXXX XXXX account to Homebridge financial on XX/XX/XXXX and XX/XX/XXXX. The mortgage company only credited my account for 1 payment. I have been followed up on this matter a few days but the company kept giving me a runaround and neither credit my account nor refund my money.
Consumer complaint received 2020-11-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (FL)

this letter was sent certified 2 months ago and no response yet? 
they just reported my account as settled which is not correct- Hyundai Motor Finance XXXX customer service XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/XXXX XXXX XXXX acct # XXXX To whom it may concern, I would like to file a credit dispute- I agree I have a balance due, however, I do not agree with the bills you sent me.

I actually have only received one itemized bill dated XX/XX/XXXX for {$4600.00}. 

That was reconfirmed during my phone call with your call center and also in the email they sent me on XXXX XXXX XXXX pm. 

I received a second notification ( not a detailed bill ) on XXXX XXXX for {$3700.00}. 

I received another letter dated XXXX XXXX requesting {$2600.00}. 

XXXX XXXX resolution letter- I have been in discussions with your lease end department and was waiting to hear back and to receive a corrected itemized bill which as of today ( XX/XX/XXXX ) I still not have received. 

I just received a notice that you filed a 30 day late payment to the credit bureaus. 

I am in the process of trying to get a mortgage and you just destroyed my credit. 
Please review my taped phone conversations on XX/XX/XXXX and XX/XX/XXXX with your employees. 
I have my notes and intend to seek legal guidance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Prior to being late with XXXX {$110.00} zero-interest motorcycle loan payment to XXXX XXXX XX/XX/XXXX, my credit score had been in the high XXXX. As soon as the late payment came to my attention, I immediately made up the payment in XX/XX/XXXX, however by then that mistake had caused my credit score to drop by XXXX points. After contacting XXXX about this their initial response was to go speak to the credit reporting agencies because " there 's nothing we can do about it '' while the credit reporting agencies would say the same about XXXX XXXX. Extremely frustrated, I wrote them an angry email, to which they sent me a letter acknowledging their mistake. However, my credit score is still in the low XXXX and my payment and credit history has been stellar as before my late payment. My wife and I are very upset about this incident - since we are trying to refinance, my much lower credit score is affecting the interest rate that we 're being offered by as much as one percentage point. 

Attached is the letter acknowledging their " system error '' and my FICO credit score history from my most recent XXXX XXXX statement. As you can see my score was an XXXX prior to the one late payment, and even though as of XX/XX/XXXX it shows that it 's gone back up to XXXX, for a reason that no one seems to be able to explain, this score is not reflective of the score that the lenders see when they pull my credit ( the lender is using Transunion 's Classic XXXX FICO model ). My median credit score provided to lenders is still XXXX, which is still too low to qualify for an optimal interest rate. I wish someone could explain to us why there is more than a XXXX point difference between what the credit score I receive and what the lender receives.
Consumer complaint received 2015-06-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: AMA Advisors, LLC. (NC)

I tried to purchase a condo in XXXX XXXX south Carolina. The bank that I dealt with ( Home Bridge Financial Services ) waited until the day of closing to tell me that I could not rent this unit out so I had to get a different loan for 3 % higher than the XXXX they was already charging me. I had already paid out Earnest Money, Appraisal Fees, and Home inspection Fees. Costing me over {$2000.00} and lots of time. These financial institutions needs to be takin out of business.
Consumer complaint received 2019-02-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: UMB FINANCIAL CORPORATION (OR)

I received a paper statement from UMB associated with my HSA Account that is arranged with UMB through my employer. UMB does not disclose to its customers that it charges a {$1.00} paper statement fee. Additionally, on its Statement, UMB provides no phone number or website address for customers to gain information about one 's account. This is curious because there is a section on the statement that states, " In case of errors or questions about your electronic transactions, please call us or write us at the phone number or address shown on this statement as soon as you can. '' I found UMB 's contact information through a web search. There is no information readily accessible for users who seek to understand more about the paper statement fee on UMB 's website. One must first enroll in online banking and then dig deep to gain information about the paper statement fee ; a user has to go to a page of " Frequently Asked Questions '' to find out information. The fee is not disclosed anywhere else. I see this as a violation of Regulations DD and E and potentially of Section 5 of the Federal Trade Commission Act and components of Dodd-Frank that address Unfair or Deceptive Acts, Abuses, or Practices. I can readily afford the {$1.00} they charged me for paper statements, as I am sure most depositors can ( who have an HSA Account ), and I believe this is precisely why UMB is clever about their fee assessment practices. They should refund all customers this fee that they have charged without disclosure or explicit instructions as to how one goes about avoiding the fee.
Consumer complaint received 2015-04-16
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Alliant Capital Management LLC (CT)

The lender did not credit my account principal with any portion of the payments that were made. I found this to be very strange. I continued to make payments and my principal balance went unchanged each time. The principle balance was never credited, not XXXX cent. I began to do research and learned that XXXX offers payday loans that are n't enforceable in the state of Connecticut. This type of loan is illegal in the state of CT and Alliant Capital Management is attempting to collect on a prohibited high interest installment loan.
Consumer complaint received 2020-05-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

I had requested to set up a payment plan since i lost my job, and american express had a agreed to it and still sent a late payment to my credit score even after i paid the bill on time. 


XX/XX/2017 XX/XX/2017 Late Payment Remark after company agreed to payment arrangement
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

Ditech Financial started foreclosure proceedings against me XX/XX/2016. I live in XXXX. They have filed and recorded fraudulent and forged foreclosing documents in the XXXX County Recorder 's Office. They have refused to verify these fraudulent documents subsequent to my repeated requests in violation of the California Homeowners Bill of Rights.
Consumer complaint received 2016-12-01
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: TrueAccord Corp. (CA)

I am doing the best that I can to pay off this rather small balance to a collection company. Their notes are usually very business liek until the one I received yesterday. Below is a brief section from the note that True Accord in XXXX XXXX sent to me on XXXX/XXXX/16 : " Enough delay. It 's time to pay what you owe. 

Let 's be clear : you have an obligation of {$350.00}. We 've given you many chances to work with us. 

But instead, you 've waited a long time to deal with this. Now, it 's time to fulfill your responsibilities like the adult that you are. '' This note is offensive. I admit the debt but I did not sign up for insults about my maturity or adulthood. This debt has nothing to do with either one. 

Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2016-10-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I obtained a Loan from Santander Consumer 4yrs ago for a car. Now they are telling me that I still owe {$17000.00} for this vechicle and the car is only worth {$2400.00}. I can not afford to continue to pay on a car that is 3 times it 's worth. They are a BIG rip-off. They prey on people who ca n't get a traditional loan and have HIGH Interest rates that will make a person have to pay for a car for the rest of their life. This is not right and they should be investigated for this. I am a retired person who live on a strict income and I can not afford to continue to pay {$550.00} for a XXXX old car.
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Synovus Bank (FL)

Synovis mortgage company continues to harass me each month for payment on XXXX mortgage even though each month a payment has been made for 10 consecutive months. As I mention over and over to to XXXX XXXX at Synovus. The home is for sale and we can only make one payment a month
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

I have been trying to get a modification on my home since XXXX XXXX, I have been working with a XXXX Approved housing counseling agency XXXX XXXX XXXX and we have done everything that my lender has asked and still have not received an answer. This situation started due to the fact my lender charged me escorw on my home for my taxes and I am my husband are exempt due to our age we are senior citizen and my husband is XXXX. I now have a sell date on my home scheduled for XXXX XXXX, XXXX and I am desperately in need of the CFPB help to resolve this situation.
Consumer complaint received 2024-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (AL)

I made XXXX payments in XXXX. every time I logged in I paid what it said I owed or more, but I should only need to pay XXXX time per month. my monthly payment is XXXX by the XXXX, in XXXX i paid XXXX on the XXXX, XXXX $ on the XXXX, and got an XXXX $ late fee on the XXXX. I did some digging and didnt see any late fees, so I went to my payments section and found a very weird XXXX $ payment every month, then I realized it wasnt a payment, it was a negative payment. so I call and ask what the heck they proceed to tell me that I was originally on auto bill pay, but when the bank issued me a new card I just started paying it manually, and there was a XXXX $ fee for the switch over. Apparently that was never paid so they have been tacking on XXXX $ a month for the past XXXX  years. I overpay my minimum all the time! I even paid XXXX months in advance when I switched over to manual payments. I have never been informed of this fee, or that it was occurring extra fees, when I log into my account it doesnt say anything about it. all it does is tell me what I owe, and it is never correct, if i pay what it says I owe then they tack on late fees, and disguise them as negative payments. its rediculous. ive have tried contacting them over a dozen times already, but their replies are always answers to different questions, like they dont understand english. I have asked for a detailed report of payments and charges and they will not provide. I have asked for a XXXX and they never contact me. I have less than XXXX left on loan, however well over XXXX $ taken in these rediculous hidden fees. even right now i got a letter saying I owe XXXX by XX/XX/XXXX, if I log into my acct online it says i owe XXXX XXXX but no matter what I pay they are going to tack on that late fee!!! theres no way this is legal!
Consumer complaint received 2024-05-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (NJ)

15 U.S. code 1681e. requires that a consumer reporting agency prepares a consumer report shall follow procedures in order to assure maximum accuracy for whom it is reporting.

Upgrade has been grossly negligent to this responsibility and as a result I have been denied housing and additional credit occurred. Grossly lowering my credit score.

Currently there are inconsistency on my credit reporting across the three Bureaus. 1 bureau has me 120 days past due and another 180 days past due. Upgrades person records on my account has me 312 days past due. 

This gross and inaccurate reporting has affected my lively hood in a negative way.
Consumer complaint received 2020-10-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

In XX/XX/XXXX an old account from XXXX finally dropped off my credit report. In XX/XX/XXXX it reappeared in my collections causing my credit score for all three bureaus to drop a significant amount. I couldnt find the original paper receipt given in person at the time to dispute it, so I paid off the amount so it wouldnt be an issue again. [ screenshot attached ] I made an ONE TIME payment IN FULL [ screenshot attached ]. The XXXX representative at the time of making the payment stated to submit a dispute with each credit bureau using the receipt I requested to have sent to my email as proof as to having it removed from each credit report. It came off with XXXX  and XXXX. I submitted multiple requests to have the account removed through the dispute center on the experian website as well as on the phone with the experian dispute center representative. In result- its still not removed [ screenshot attached ]. 
XX/XX/XXXX I received a notification that my XXXX  score went down a significant amount of points again [ screenshot attached ]. Experian updated that I had a new late payment in the last 60 days for same the XXXX account in collections [ screenshot attached ]. 
I disputed it several times that it was false ; yet Experian failed to remove that error, they only updated it [ screenshot attached ]. 
On Experian it states that I paid off the account instead of paid in full. I dont see how an account in collections that didnt have monthly payments & having proof of it being paid as a ONE TIME, IN FULL payment had generated late payments and causing my score to drop. [ screenshots attached ]
Consumer complaint received 2017-02-09
Product: Consumer Loan — Pawn loan
Issue: Applied for loan/did not receive money — 
Company: BB&T CORPORATION (PA)

I applied to BB & T Bank for a home Equity Loan, was approved for the loan, closed on this loan on XX/XX/XXXX. I wanted to pay off my existing Home Equity loan with XXXX, and keep all my banking needs at BB & T bank. The Check form BB & T bank has not arrived as of the date XX/XX/XXXX. I have been contacting BB & T bank personnel to ask what they are doing or going to do, to complete the transaction.They have stated that this was a Bank Cashiers check, and they want to wait 90 Days before issuing another check. I am now in arrears with my XXXX Loan, waiting for the payoff amount of {$24000.00} from BB & T bank to arrive.I have already made one payment of {$500.00} to BB & T bank on the new loan, along with all the closing costs of over {$700.00}, but the money has still not arrived at XXXX.
Consumer complaint received 2016-09-01
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC (TX)

The company Called rise. They sent me a pre-approved letter for a personal loan of {$1000.00}. I get these letters all the time. But this time I got one when I really needed the loan and thought I would accept it. Because it would get me caught up on my bills this month. So I went to the web-site created the account. And applied how ever their web site changed my addressed state to Utah. And would n't let me change it. In the end the turned me down because of the Utah state that their website would n't let me change. They ran my credit. Yet again. The back of the letter says " pre-selected means we have reviewed your credit history and have selected you to guarantee an offer not to exceed the amount indicated on your letter. '' My letter they are offering me {$1000.00}.
Consumer complaint received 2019-02-26
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: Bread Financial Holdings, Inc. (PA)

On XX/XX/2019 the amount of {$410.00} was deducted from our bill pay with XXXX XXXX XXXX XXXX This transaction was mistakenly sent to XXXX XXXX instead of the party it was meant to. This was not the error of the bank but by accidentally clicking on the wrong bill payee. This XXXX XXXX account has been inactive for several years. Many calls were made to XXXX XXXX and XXXX XXXX which is their financial service. They suggest we contact our bank and our bank tells us there is nothing that can be done on their part and suggests we contact the payee. We have confirmation that XXXX XXXX accepted and deducted the amount from our checking account. We question that XXXX XXXX accepted this amount on an account that has been inactive.XXXX XXXX has no information on any of our personal information because the account is inactive and yet they accepted the payment.
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

My credit report shows that I have or had a mortgage with Homeward Residential f/k/a American Home Mortgage Servicing, in the amount of XXXX and opened in XXXX 2006. I request that Homeward Residential f/k/a American Home Mortgage Servicing respond to the Debt Validation Letter and the QWR letter attached to this compalint. I have never signed a mortgage with Homeward Residential f/k/a American Home Mortgage Servicing. I am attaching a copy of my mortgage and note for reference. 

This goes back to my original theories that no one knows who exactly owns my mortgage and note and that all documents used, i.e., Assignment of Mortgage, etc. are all fraudulent. 
I want this investigated and I want answers.