davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (NC)

XX/XX/2015, I purchased furniture from Conns Credit with the loan amount for the furniture was {$3000.00}. I have paid {$2400.00} per Conns Customer support team with a balance of {$520.00}. I have a 24 month cash option that is interest free. Conns is reporting a cash balance of {$1000.00}. The customer support team has submitted three requests for the credit department to correct their mistake, with the last request being submitted to upper level management. I have attached online bill pay activity, cash option addendum, sales contract to support my claim of illegal lending practices of Conns. They will not respond to the NC Dept of Justice Consumer Protection division, my only hope for justice is the US CFPB. CONN 'S IS REPORTING {$120.00} A MONTH IN LIEU OF THE ACTUAL CASH PAYMENT OF {$170.00} BY BANK DRAFT, thus cheating me out of the difference
Consumer complaint received 2020-08-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (FL)

On or about XX/XX/2015 XXXX XXXX, as Trustee for the Benefit of XXXX XXXX XXXX XXXX XXXX XXXX, received a " loan payoff '' payment in the amount of {$760000.00} to liquidate my mortgage loan # XXXX following a foreclosure sale. 

At the time, the unpaid principal balance of the loan, inclusive of unpaid interest added to the principal in accordance with the loan terms, was {$740000.00}. As such, XXXX XXXX received {$25000.00} more than it was owed. The overpayment was confirmed by the " Prepayment & Loan Liquidation Report '' published XX/XX/2015 by XXXX XXXX XXXX XXXX XXXX XXXX, which reported the overpayment as a " net gain '' ( see attached ). 

I twice tried contacting XXXX XXXX regarding the overpayment ; and each time I received a generic response from Mr. XXXX XXXX advising me to contact Nationstar, the loan 's servicer, allegedly because XXXX XXXX had nothing to do with the foreclosure proceedings. 

However, it is undisputed that : ( a ) XXXX XXXX was the named plaintiff in the foreclosure action ; ( b ) The Clerk of Courts made the disbursement check payable to XXXX XXXX. 
( c ) XXXX XXXX reported to the Trust 's investors that the liquidation of my loan resulted in a 3.48 % " gain '' ( see attached ) ; and ( d ) Under Florida Law [ 45.032 ( 3 ) ( a ) ] surplus foreclosure proceeds  belong to the owner of record, and not the lender or its servicer. 

The CFPB needs to get involved, because we are approaching the 5-year statute of limitations for me or the Bureau ( or both ) to take legal action against XXXX XXXX for its civil theft of my surplus  foreclosure funds.
Consumer complaint received 2015-05-14
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: GFS II, LLC (MI)

The following complaint is against Gateway Financial Services at XXXX, MI for not sold a car in a commercially reasonable manner. 

I bought a XXXX Chrysler Voyage with approximated XXXX miles with auto lease from Gateway Financial Services in XXXX, XXXX. Having a financial hardship during XX/XX/XXXX-XX/XX/XXXX, I decided to voluntary surrender the car with Gateway Financial Services. At that time, I could not afford to make payments to the car. I surrender the car with XXXX miles in good conditions at XXXX, XXXX. The outstanding balance was {$8600.00} at XXXX, XXXX. 

After surrendered the car, I received a letter to notify me a deficiency balance for {$8500.00} because the car was sold by only {$510.00}. This is really suspicious since the car value was at least XXXX times more, and it represents 5 % of the outstanding balance at XXXX, XXXX. However, the problems do n't stop there because the company, Gateway Financial Services, sue me through the XXXX district court of the State of Michigan this XX/XX/XXXX for a value of {$13000.00}, where the balance was {$10000.00} and the interest accrued was for a value of {$3600.00}. Unfortunately, I was transitioning my home, and I could not object the garnishment on time. Nowadays, I had been garnished my paycheck for a value that is more than the original monthly payment with them. 
Having this troubles and do n't understanding how to deal with this firm, I approach to a financial coach associated with XXXX XXXX. He suggested me to made this complaint through the Bureau of Consumer Financial Protection because all the irregularities committed to Gateway Financial Services.
Consumer complaint received 2020-08-18
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my XXXX had been stolen. I got online and made an account with identity XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX XXXX {$34000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$8700.00} XXXX XXXX {$34000.00} XXXX XXXX {$7700.00} XXXX XXXX XXXX {$3200.00} US DEP ED XXXX {$12000.00} XXXX XXXX XXXX {$8700.00} US DP ED XXXX {$3200.00}
Consumer complaint received 2015-08-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (KY)

I had a bank account with Bb & t Bank. In XXXX Ky. They overdrafted my account by charging me a monthly service fee. I had the account for multiple months and was never charged it before. So of course I refused to pay it so now they have me blocked in the XXXX and showing up on my credit report.
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TX)

My name is XXXX XXXX and I am an XXXX patient. Back inXX/XX/XXXX  my discover credit card ( new card number ending XXXX ) was lost/stolen. There were so many fraud transactions on my card from XX/XX/XXXX thru XX/XX/XXXX. I called and reported that. As I said I am an XXXX patient so sometime I dont even remember keeping up with my card. I was told I wont be responsible for any charges. But they put back all the charges on me again last month. ( Total around {$3300.00} ). They said they asked me for proof they called me but I dont remember receiving anything from them. I dont even drive, No one else in my family has access to my card. I work only part time and not able to pay as this isnt fair for me to pay something which I didnt purchase. You can contact my XXXX doctor and confirm with him. 

XXXX XXXX XXXX in XXXX XXXX TX XXXX I hope to get this issue resolve as soon as possible.
Consumer complaint received 2016-07-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (TX)

I purchased a new construction home and financed through Quicken Loans. The loan closed on XXXX XXXX XXXX and my mortgage payment was {$1300.00}. Quicken ran all the information for property taxes, state taxes, local taxes and did an appraisal on my home. XX/XX/XXXX, I started receiving letters from Quicken that my escrow was behind and my new mortgage payment would be around {$2200.00}. I was told by an employee at Quicken ( all calls are recorded ) that this new payment ( {$2200.00} ) would be for the next 30 years. I was later told by another employee it would just be until the escrow shortage was caught up ( roughly {$3000.00} ). Then I came to find out that the original mortgage was based off of the land value only and not the home and property taxes. I was told by an employee that they knew at the time of closing that my mortgage payment would increase dramatically in XX/XX/XXXX but no one told me. I NEVER would have bought the house under these conditions. In order to work with Quicken, I applied for a refinance at a lower rate to offset the additional costs and was declined. This was within 6 months of them approving me for a loan in the first place. Then Quicken Loans said I should apply for a loan modification/hardship. After jumping through hoops to supply them with additional information for the modification, I was declined because I have not lived in the home for 12 months yet ( a requirement they neglected to tell me ). Why have me go through all the suffering, worry, and extra work when they knew the loan modification was going to be declined on their end from the start? Then, they decided to try the refinance again. I was told rates were even lower because of the XXXX and the wasted time would benefit my interest rate. They wanted to run my credit again. They have ran my credit 3 or 4 times in the past 10 months which I understand negatively impacts my credit score. The original rate they quoted me never went down, even though they said it would. Due to all of these options we were trying to work out, I was told as long as I made my payment within the 30 day grace period my credit would not suffer. From the conception of this loan, I made all of my payments on time ( except the last couple of payments were made in the 30 grace period, as instructed by Quicken : we were waiting on the results of the loan modification as well as waiting on the refinance ( which was supposed to happen XXXX XXXX ). As a result of making a couple of payments within the grace period, I have received late payment charges applied to my account, late payment notices via mail, as well as harassing phone calls from Quicken. The refinance was n't ready for XX/XX/XXXX because they wanted to run my credit report again and I said No. Call it bait and switch, misleading, or shady all I know now I am in a position where I need help to resolve this nightmare. I have gone through enough suffering, worry, and wasted time and need help to come up with a workable resolution.
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX, has violated my rights. Account # XXXX XXXX, has violated my rights. Account # XXXXXXXX XXXX, has violated my rights. Account # XXXX XXXX XXXX XXXX, has violated my rights. Account # XXXXXXXX XXXX XXXX XXXX  has violated my rights. Account # XXXX XXXX, has violated my rights. Account # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXXXXXX, has violated my rightsXXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage refuses to supply proof of XXXX XXXX approval of a XXXX transfer of our loan from XXXX after we submitted a completed first lien loan modification packet. Nationstar states they have no modification documents from XXXX. The trustee ( XXXX XXXX XXXX ) stated that Nationstar had started the foreclosure process and we owed them money. We requested verification of the debt from XXXX and they replied back stating they could find no record of our account. Nationstar changed the locks on our home and took our personal property. We filed a complaint in California Superior Court Our investigation leads us to believe that Nationstar has XXXX and is not our loan servicer.
Consumer complaint received 2016-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (LA)

QuickenLoans was well aware that an active dispute is present on my credit report. They requested and was provided a dispute explanation letter. I was told explicitly that I was financially approved. Now, with less than a week to scheduled closing, they are requiring the dispute to be removed before finalizing the loan. I have spent the last month working with the sellers to gather documentation and purchase insurance policies, sometimes missing work to get everything accomplished in time for closing. 

This dispute removal demand puts the sale at risk. If this loan is not finalized, I have wasted a month and lost money.
Consumer complaint received 2015-12-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I had received a notice from the mortgage company stating that our escrow account is short. Which surprised me because I had contributed extra money towards the escrow account to compensate for the shortage. On XXXX XXXX, 2015 I had called the mortgage company asking for a review of the escrow account. I was told that the extra monies were placed in the wrong account and would be fixed and I would be receiving an escrow analysis in the mail in 7 business days. As of today, I never received an analysis or an explanation to where the money had gone. I had also sent a letter regarding this with my XXXX mortgage payment, still with out any reply. I do n't feel that they should n't be allowed to play with my money without a clue to where they put it. I feel this is fraud.
Consumer complaint received 2016-05-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (PA)

Susquehanna Bank, did not route my check properly. Did not disclose the terms of collection of Cashiers Check. Then Susquehanna filed Criminal Charges stating that I forged a check, Due to Susquehanna Bank Discretionary, practices, they have since, change the name to BB & T, which has also caused Financial Discrimination recorded by XXXX. My attorney will be filling International Criminal Complaint under the Mines and Mineral Act to be serviced by the Director of International Finance.
Consumer complaint received 2020-08-18
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. (PA)

i am contacting you about the compromising of my social security number. I am a victim of Identity Theft. i contacted the Federal Trade Commission and filed a complaint # XXXX. The following items do not belong to me and is a result of fraud that I did not authorize ARE LISTED IN XXXX pdf doc
Consumer complaint received 2022-10-01
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-02-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (GA)

BB & T employees XXXX, Assistant Vice President, and XXXX, Retail & Small Business Leader, have independently and together colluded to ; obstruct the instructions given to me by BB & T Branch Banker, XXXX ; and, prevent the refund of bank fees to my account.
Consumer complaint received 2015-12-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC. (FL)

I 'm a single woman previously married. Spent three months attempting to locate a suitable home before the market pulled further away from me in higher asking price.. Finding a lender who understands FHA guidelines turns out to be an unachievable challenge. Now getting through underwriting is a life of pure XXXX. This is caused directly by the mortgage broker loan officers lack of experience, receiving documentation, saying they will review it then no follow up. I have had documentation sent to them via email three and four times before they have acknowledged receipt. The common sense approach that no file should be submitted to underwriting with a question that has n't been answered was not used. The loan officer and underwriter has asked for documentation that violates my ex-husbands right to privacy and has nothing to do with my loan approval. Because of this unprofessional process by both the mortgage broker and underwriter our interest rate commitment has now expired and the seller is faced with major problems because of legal circumstances. The processor would make contact and request information that as already communicated to the loan officer or was already provided, I guess they did n't feel the left hand should know what the right hand is doing or should be aware of.. I find it hard to believe that with XXXX of the largest investments a person makes is in their home and the inept person we have to depend on has no continuing educational requirements, and no state examination that is required. Please correct me if I 'm incorrect.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I had an account with XXXX XXXX XXXX credit card that was paid in full prior to me filing chapter XXXX bankruptcy-zero balance. Since I had to file bankruptcy, this particular card was included in my bankruptcy petition with XXXX owing. However, the information that had already been reported was re-reported to XXXX and Equifax by this creditor in error. This information that was re-reported caused my credit score to take a huge dip of XXXX points! 
I contacted the creditor and they advised me that they reported a zero balance account on XXXX/XXXX/XXXX and had no language that should have caused a dip in score. The credit bureaus advised that this is how it was reported, so I 'm at a loss! 
Also, the address on my credit reports isnt correct. My address is showing XXXX XXXX XXXX Kansas XXXX XXXX MO XXXX on XXXX and showing XXXX XXXX XXXX XXXX APT XXXX Kansas XXXX XXXX MO XXXX on Equifax-I have submitted documentation proving my address/idenity/etc, and to no avail, they wont update it! I was advised by Equifax to resend the info that I 've mailed and faxed previously.
Consumer complaint received 2018-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MO)

I disputed with the company on XX/XX/XXXX I show that the company received my disputes on XX/XX/XXXX. According to certified mail notifications. I submitted an additional dispute on XX/XX/XXXX and show that it was received on XX/XX/XXXX. it is now XX/XX/XXXX and have still not heard back from the company from my request. The FCRA gives the company 30 days to respond with info requested and I have not gotten the info i requested or response about when I will.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

XXXX They responded and we followed the directions but when we tried calling the number that was on their final response letter, we can not get a hold of anyone. The case was closed by your organization but nothing has really been accomplished. We've tried calling at many different times of the morning during the week but message is always the same and no one ever answers the phone.
Consumer complaint received 2023-03-24
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: JPMORGAN CHASE & CO. (NY)

I ordered a XXXX XXXX The Studio Leather Messenger Bag from XXXX for {$2100.00} on XX/XX/XXXX. On XX/XX/XXXX I received a email stating that my order arrived however I was home all day and nothing ever came. I think it is very unfair that an order this expensive did not ask for a signature when they claimed that it was delivered, they could have dropped it at the XXXX store it just makes no sense to me. I ordered multiple things from XXXX and never had a problem with them until know I contacted XXXX to see if there is some way they can help they pretty much said no. So then I turned to my credit card since that is literally my last option and submitted a dispute, after a month and some change they denied it as well because Chase decided that XXXX had proof of sending out the package. How is this proof of delivery? It never reached me so I dont understand why Chase is siding with XXXX XXXX its frustrating because I used Chase bank my whole life and I thought they would step up for me and see that this is unfair. Also I cant even make a police report for this because this happened 2 months ago and the whole dispute process lasted so long that I missed my chance. So this is my last option and I never even thought it would resort to this.