davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AR Resources, Inc. (CA)

For about 2 years, XXXX XXXX XXXX has been billing my insurance provider, XXXX, rather than my insurance group, XXXX XXXX XXXX. This has been pointed XXXX XXXX continuously over the past 2 years. They have now put me in collections because they do n't understand how to bill properly. This has ruined my credit. They do n't pick up the phone, so I have no way to even speak to someone. XXXX XXXX. If anyone else is having this same experience, let 's start a class action suit.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: U.S. Auto Sales Inc. (FL)

I 'm a victim of identity theft and the company reporting this account is not complying with the FCRA. They have not removed the account or provided any documentation to prove this even belongs to me. US AUTO FINANCE account # XXXX. They are apparently based XXXX, and I live XXXX! I do n't care whether they repo the car or put out an XXXX on the plate # s! I do n't have this car, I did n't open the account, I was never in that dealership, it does n't belong to me! At least XXXX people ( salesman, finance manager and title clerk ) saw the person with the ID and had to have noticed that it was n't me! My car had been broken into years ago and everything was stolen from my car. I did originally make a police report in regards to my vehicle theft. This account needs to be closed and removed from my credit file immediately!
Consumer complaint received 2016-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

A company supposedly affiliated with my mortgage company is requiring me to get flood insurance when we do not live on a flood plain. There is only a phone number in the XXXX to call and they refuse to tell me anything or who is responsible. They do say they are affiliated with a company that sells flood insurance. There is only a XXXX XXXX to respond to. I have forwarded documentation to them that we are not on a flood plain and sent it certified mail, but they sent a second letter saying they are buying it for us and charging it to our escrow account. I have also sent duplicates to the president of Nationstar with no response either. They are going to bill us more than {$2000.00} if we do not show proof of flood insurance. The last time this came up, supposedly our former mortgage company was using a third party called XXXX who apparently was using wrong flood maps. We have checked with our county and with the main surveying company in this area asking about getting a Letter of Map Amendment for XXXX, but were told that we should not have to spend the {$1000.00} to get it done as we are not on a flood plain. It was suggested that this is a scam being perpetrated on people who live in areas where there have been minor floods in the past year. None of our neighbors received anything from their mortgage companies and judging from the complaints filed against Nationstar, there seems to be questionable practices against their mortgagees. Please help.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MO)

I filed for bankruptcy XX/XX/XXXX, a Proof of Claim was filed by Nationstar Mortgage XXXX as Trustee as Creditor.Objection to the claim by my Attorney XXXX XX/XX/XXXX because Nationstar Mortgage could not show a transfer from Nationstar to XXXX Bank. XX/XX/XXXX Nationstar Mortgage Claim was ( Denied ) because Nationstar could not show a transfer to XXXX Bank. Incomplete escrow statements. attachment Did n't show what was actually paid from escrow Balance. I received Certification of Resolution. After the claim was denied XX/XX/XXXX I tried communicating with Nationstar and XXXX Bank on the phone could n't get no were just a run around.Doing that time I experience multiple hang-up and call transfer unable to communicate with anyone. XX/XX/XXXX there was a assignment of Deed of Trust filed by Nationstar Assigned Deed to XXXX bank Eleven months after I filed Bankruptcy and was asked show transfer they made up a Fraudulent assignment. XX/XX/XXXX Filed filed for Motion for relief, Stated that I had defaulted on payment. I was current on payment before they were denied payment because they could n't prove owner of note. XX/XX/XXXX I sent Nationstar and XXXX bank a Letter To who was owner ot note. XXXX XXXX received response from Nationstar stated they would get bank with me by XXXX XXXX still have n't heard back from them as of today XXXX XXXX. XXXX XXXX XXXX received response from XXXX Bank stated they are not the Creditor.
Consumer complaint received 2016-04-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (NC)

I continue to receive between 30 and 45 calls per week from Regional. I have received 3 voicemails within the last 2.5 hours during the work day. They continually call at exactly XXXX including on Sunday. Any reasonable person would agree that this is a violation and excessive. There is already a payment scheduled and I am still being harassed multiple times daily.
Consumer complaint received 2017-03-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (WV)

In XXXX XXXX, my XXXX XXXX XXXX was deemed a total loss by my insurance company ( XXXX ) after I hit a deer. The loan for my car was financed through BB & T and I also had GAP insurance ( XXXX ). XXXX insurance paid for everything except a remaining {$2800.00} on the loan. On XXXX XXXX, XXXX, I received a notice from BB & T stating that my vehicle loan, in it 's entirety was " Paid and Satisfied ''. The document was signed by " XXXX XXXX '' and dated XXXX/XXXX/XXXX. I immediately called BB & T and verified that no further action would be required from me regarding my account. A BB & T representative in the customer service department named " XXXX '' assured me that no further action was required. On XXXX XXXX, XXXX, I received a late notice for my account, stating that I owed BB & T my monthly payment of {$330.00} for the month of XXXX and that I had a late fee. I checked my BB & T account online and it stated that I still owed {$2800.00} as well as the additional late charge fees. I contacted " XXXX '' GAP insurance company and they stated that they were still finalizing my claim. I received a notice from GAP dated XXXX/XXXX/XXXX, stating that a check for {$2800.00} had been mailed to BB & T. I received another statement from BB & T on XXXX/XXXX/XXXX, stating that my account was still overdue and that I owed {$700.00} for the months of XXXX and XXXX. When I checked my online account, it still stated that I owed the {$2800.00}, plus additional fees. When I contacted BB & T, a representative of the total loss department informed me that they had received the check from XXXX GAP Insurance, but that the check would not be cashed until a thorough investigation had been completed regarding the " Paid and Satisfied '' statement mailed in XXXX. I have called on multiple occasions throughout the months of XXXX and XXXX and I receive the same answer. BBT representatives from the " Total Loss '' department state, " The case is being reviewed by upper management, whenever a solution for this situation is reached, we will call and advise you of the outcome ''. Whenever I ask to speak directly to management, I 'm always referred to the general customer support number for " Total Loss ''. In the meantime, I continue to receive notices that my account is overdue and that I am being charged late fees. I called again on XXXX/XXXX/XXXX and received the same answer. I contacted a representative with the West Virginia State Attorney General 's Office, " Banking and Finance '' division, who recommended filing a claim with the CFPB.
Consumer complaint received 2015-09-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (FL)

REF : Case No : SERVICE OF COURT DOCUMENT - CASE NUMBER XXXX foreclosure auction is being conducted illegally as the plaintiff, BB & T has violated Federal Law regarding Dual Tracking. 
I was not given ample time to come to an amicable agreement with the plaintiff and their services. I was not given time torefinance or use the HARP program or Short Sell. 

Furthermore, the plaintiff took the case out of the hands of the civil circuit court saying they were unable to judicate thecase and proceeds with the auction. 

I will be persuing several agencies regarding the legal conduct of BB & T and suing for damages unless this auction is cancelled and I am givenample time to pursue my other options. I will sue for damages. 

The judge did not approve the Plaintiffs or my own motions. 

This is a motion for a new trial by a FEDERAL court who can judiciate such a case. 
The plaintiff has been unable to give me a payout amount or provide orignial documents. The plaintiff did NOTProvide a loss mitigation package when XXXX was requested even though they have my request on file and no record ofsending XXXX. 

I am a XXXX mother of XXXX children who has been actively working on this for over a year with NO assistance from the plaintiff, despite my MANY attempts to work with the lender toward a mortgage modification and a hardest hit package. 

Sincerely, XXXX XXXXCASE NUMBER XXXX
Consumer complaint received 2017-03-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NV)

When I closed on my mortgage, I had the flood and home owners insurance set up to be paid out of my escrow account and paid accordingly so there would be enough to cover these expenses. My loan was sold to another servicer ( Loan Care ) and they did not pay the insurances when they came due. I sent 2 emails to them getting a computer generated response stating within 5 days somebody would contact me, it did NOT happen either time. I spent nearly an hour talking from person to person trying to get this resolved and finally got hung up on. My insurance agent and I called again, this time we faxed them the necessary paper work proving the insurance was to be paid by the mortgager. Flood insurance was due so I had to pay it out of my pocket, even though there was in excess of {$1000.00} in my escrow account, they still have not paid the homeowners insurance and Iam not sure if I will ever get reimbursed from the money I had to spend, they said they would look into it, but I have not heard from them since. I need some help dealing with these people, I have the XXXX pages of original closing documents I faxed to them and copies of all the emails. Now Iam worried I will have to come up with more money to pay the homeowners ins. it is due to expire soon.
Consumer complaint received 2015-03-28
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (TX)

I applied online for a Citi Thank You Preferred Card. I was approved. This particular card gives you XXXX bonus points when you spend {$1.00} when the XXXX 3 months of use of the account. I was keeping track of my transactions, and had made roughly {$1600.00} in purchases within the XXXX TWO months. I noticed that the BONUS points were not issued to my account. I have other reward cards and usually any bonus points are rewarded soon after the threshold spending level is reached. This was not so with the Citi Thank You Preferred Card. I contacted the customer service department to get an explanation. After waiting two days for an e-mailed response, I was informed that I was NOT enrolled in the bonus point program and that " on my contract '' I was given an 18 month 0 % APR introductory offer instead. The Citi Thank You Preferred Card according to the Citi website has a 12 month 0 % introductory APR plus the XXXX BONUS point program. The 18 month offer is not even the standard issue for this particular card. Needless to say, I was not informed of the change. I feel that they used a bait and switch technique to get people to sign up for their cards. It seems like a form of fraud. Incidentally, they did say that I could contest this if they sent me any printed material which confirms the BONUS point offer was offered to me. I APPLIED ONLINE, IT 'S ON THEIR WEBSITE, It 's also mentioned on various websites that help consumers compare credit cards and help them to decide which card is best for them. I feel that people should be made aware of Citibank 's fraudulent practices in regards to their rewards program.
Consumer complaint received 2015-11-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CONDOR CAPITAL CORP (IN)

Condor Capital continues to contact me regarding this matter. I included this company in my bankruptcy that was discharged on XXXX XXXX 2015. They owe me a $ XXXX refund as well that they refuse to send to me. They will not update my credit file showing I do not owe them.
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (WA)

On XXXX XXXX, 2017 we deposited a check in the amount of {$66000.00} XXXX dollars into our Key Bank account. At the time of deposit, we were provided a XXXX Collections Form from XXXX XXXX No other notices have been provided. As of XXXX XXXX, 2017 we have 1 ) not received the funds 2 ) the bank can not provide us any information about the check, when we might expect the funds to be in our account, or even what the expected amount of the deposit will be in US dollars. Upon contacting the bank branch, we were told that they did not have any information however the Relationship Manager would call on Monday and try to obtain a status. No call has been received from said Relationship Manager. On Monday, XX/XX/XXXX I called Key Bank to initiate a complaint, and was told it would take approx. 5 business days for a return call. 
At this point, it has been 17 business days ( not including Saturday ) and we have received no information whatsoever from the bank, nor do they seem inclined to be concerned on our behalf.
Consumer complaint received 2015-07-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (OK)

We were approved for modification XX/XX/XXXX. We received packet in mail telling us we were on a repayment plan. The modification took forever to get done. We had to start process over once because the time frame ran out they said. We were able to make to payments of the repayment plan. My wife 's bonus was n't guaranteed and my overtime was n't either which was they used. I called to tell them we could n't handle double the payments. They offered us another packet for a modification. We were declined. Since then we have asked for multiple packets to be sent to us and none have arrived. We call and ask again. None delivered. Foreclosure process was dismissed in XX/XX/XXXX. We received a letter from their attorney last Friday. I called office closed for Holiday. I called back monday, they could n't answer any of my questions and were no help. The process took so long to get the modification that the payment was to much. US Bank would n't accept any payments in the process so it made the payment to high. I have called to try and work it out with no success. I have n't received any notices in the mail about be behind on payments or needing to contact them. I only received the letter last friday from the law firm threating Foreclosure. I put a new roof on last year and a new AC unit during the summer. If I new the payment was going to be that High I would have kept the cash in my savings to make the payments easier. Instead I make improvents to the house and now they wo n't work with me. This whole process has taken a hit on my credit. I ca n't get funding from anybody else so I 'm at the mercy of US Bank. I 'm a family of XXXX and really do n't want to loose my house. We would have to send kids to different schools. My work took 17 % of my pay which made it difficult and my wife was n't working much. Now things have changed, my wife has a good job and we are able to pay. My house is the last thing I need to get straightened out and it seems like US Bank wo n't work with me. I have asked if they could combine my 80 % and 20 % mortgages and shorten the months with the same % rate which would be a lot less then the repayment plan they had. I 'm filing this complaint because I do n't know what else to do. I met with another mortage company and told them about the process I have been going through and they gave me this website. They could n't believe what was going on.
Consumer complaint received 2017-10-12
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. (TN)

THESE ARE NOT MY ACCOUNTS. I HAVE ASKED THEM TO BE REMOVED. I WAS TOLD TO SEND PROOF. THAT IS NOT MY RESPONSIBILITY. IT IS THE RESPONSIBILITY OF THE PERSON REPORTING IT. 

XXXX XXXX XXXX from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Bank XXXX XXXX from XXXX XXXX, XXXX +
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

While I was shopping for a vehicle loan I had several hard inquiries made. Based on information that is porvided here by the CFPB all these inquiries should have been combined into XXXX. XXXX did it automatically from one month to the next. Why have n't you?
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (GA)

I placed a credit freeze on all of my credit reports, including Equifax, on or around XXXX/XXXX/13. In the past couple of weeks, I 've lifted ( temporarily, then permanently ) the freezes at both XXXX and XXXX with little to no problem, even with a forgotten PIN for one of them. I have been met with nothing but roadblocks when trying to lift the Equifax freeze, though. I have entered all of my information in the online form correctly twice, even providing my past address, a field that was not marked as required, only to be told that additional information was required and needed to be mailed in. There was no explanation as to why my request could n't be completed online. I also called the automated phone line twice and was given the same message about mailing in proof ; again, with no explanation as to why my request could n't be completed. Neither system even bothered to ask for my PIN, a readily available piece of information that could have easily proven my identity and unlocked my report, as it was meant to. 

Instead, I was told that I would have to mail Equifax my full name, complete address, Social Security Number, date of birth, XXXX forms of identification ( utility bill and paystub were the given examples ) and the credit freeze PIN. For one, I see no reason why the PIN could n't have used either online or over the phone to verify my identity considering that 's its sole purpose. Secondly, all of this information was already provided on the form/over the phone with the exception of the XXXX forms of ID which would have been near impossible for me since I live with family ( no utility bills in my name ) and am self-employed ( no paystubs ). Thirdly, it makes absolutely no sense to be forced to mail such sensitive information that could be used to steal my identity in an effort to lift a freeze that was intended to stop that from happening. If that correspondence were somehow intercepted and used by someone else to open a credit account in my name with a company that pulls from XXXX or XXXX, I doubt Equifax would compensate me for that trouble. Lastly, I have accounts with both XXXX and XXXX XXXX, which both pulls Equifax credit reports and were able to do so, in spite of the freeze, because I was requesting my own report and I answered the identification verification questions correctly. 

I see no reason why I should n't be able to verify my identity online like I did when I set up the freeze or like I have with XXXX and XXXX XXXX instead of opening myself up to the additional and unnecessary risk associated with sending sensitive information through the mail.
Consumer complaint received 2017-04-30
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. (MI)

I am a victim of identity theft. I have faxed them my police report and I have occur inquiries on my report that I did not authorize. Before anything is done on my credit I am suppose to get a phone call but I do not. I also was suppose to have a block from any other credit inquiries being done so nothing new will pop up. No inquiries or no new credit application unless approved by me. Please remove The inquiries are  XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX  -   XXXX   XXXX   XXXX    XXXX -   XXXX   XXXX   XXXX
Consumer complaint received 2023-02-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL (CA)

On Saturday XX/XX/XXXX at XXXX I received a call from XXXX XXXX XXXX XXXX XXXXXXXX XXXX and spoke with a representative. Usually I don't answer unknown numbers but because my Identity has been stolen, I'm receiving calls from Banks in regards to my credit freeze and fraud alert. So I'm answering every call I receive because I don't know if it's a bank or not. I wasn't aware of XXXX as a debt collector so I did not want to give my personal information to the representative, I said I would call back because I need to verify the information. But the representative became very pushy and aggressive and I told him I don't trust him and I don't know if he's a scammer too so I'll call back. The representative hung up the phone and immediately called me back on a separate line ( fake phone # XXXX at XXXX ) to cuss me out, insult my wife and mother, and make threats against me. It was clearly the same guy because it was the exact same voice and he said he was going to use my information to steal my identity as well. I hung up on him and first verified XXXX XXXX as a debt collector and then called them back to report him but the offices were not open because it was the weekend. 
I included documentation showing that they are a debt collector attempting to collect a debt ( I found a correspondence from them ) and screenshots from my phone of the incoming calls, the time of the calls and the duration of each ( which shows he called me immediately ).