davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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. (MO)

This is XXXX XXXX submitting yet another CFPB complaint to you today regarding the removal of the disputed fraudulent items reporting on my Crediet Report. It appears that my credit has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. I need the Credit Bureaus to please comply with the law so this matter can be handled swiftly. I need the following items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$220.00} XXXX  Inquiry Date XX/XX/2021
Consumer complaint received 2015-07-12
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (AZ)

Dear CFPB : FYI - Here is my self explanatory follow-up letter to XXXX XXXX at Citibank for my case # XXXX regarding my Citi Card account. I would appreciate your follow-up with Citibank, as I still think their practices with seniors and others financially damaged by circumstances beyond their control are abusive and predatory. I removed my letterhead and signature along with my Citi account # before sending a copy of this letter to you. Feel free to share this information with those deemed appropriate and to add this letter to your database for complaints against Citi. Thanks.
Consumer complaint received 2017-01-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (MI)

Due to financial hardships, I had to file bankruptcy. Flagstar Bank was quick to close and tag it as " derogatory and closed ''. Causing detrimental harm to my credit score. I signed, filed and the Court approved the Reaffirmation letter in XX/XX/2016. At the time of this report, the account is still listed as derogatory and closed, and added a late payment to hinder the process of improving my credit. The late payment in XXXX was due to Flagstars ' refusal to accept my payment at my local branch, or online, and having to pay through a 3rd party provider for them due to the bankruptcy, costing substantial late fees and costs to process the payment. I have made several calls to XXXX, Michigan headquarters to find that XXXX XXXX isnt available, the XXXX in charge of these cases, and have NOT received a call back. First call was placed in XX/XX/2016!! I have filed XXXX disputes with XXXX to have them correct the issues, only to have it cause more harm, and still causing it to show as derogatory and closed, whereas XXXX took One dispute and is displayed and portrayed as correct. With NO derogatory comments or remarks. This is the last step per attorney advice, before filing an FCRA violation suit.
Consumer complaint received 2017-03-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R.M. Galicia, Inc. (CA)

On XX/XX/2016, I disputed the alleged debt within the XXXX period. When I received their letter on XX/XX/2016, I asked for detailed documentation in the attached letter labeled " CFPB-PMS2 ''. 

I did not receive a reply nor did I receive any documentation I asked in my letter. Instead, they blatantly violated FDPCA, FCRA and despite my admonition, falsely reported against both of our credit files with the XXXX bureaus.
Consumer complaint received 2015-08-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (IL)

XXXX XXXX of PNC Bank, Executive Relations Division did not give me a reason why my business account was shut down-closed on XXXX separate occasions, causing numerous checks to be returned and electronic checks to go unpaid. The bank has not shown anything in writing where they compensated me for the fees that they caused because the account was closed. XXXX XXXX has taken it upon herself, after several attempts at explaining the situation, but she choses to be judge, jury and executioner in this matter. 
I have copy of correspondences where I have asked her to get the details rights and act appropriately, but she has not. PNC Bank is not acting in a fair manner, and I have not been given due process. The company along with XXXX XXXX has not acted in a way in which they are trying to assist and help small businesses. I feel the bank is liable for all the inflicted suffering that they have put the company through. I would also like to inform you that the Merchant 's Account was also shut down causing deposits to " not go into the account '', thus causing chaos and monies not being deposited in the business account.
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IN)

On XXXX/XXXX/16 I sent Ditech a payment in the amount of {$20000.00}. This payment was for my XXXX XXXX 2016 payment of {$630.00} and the rest was to go towards the principal {$19000.00}. Ditech applied the entire amount towards the principal. 
I contacted Ditech on XXXX/XXXX/16 to resolve this issue. It was not resolved because of an internal problem at Ditech. 
I again contacted them the 1st week of XXXX because the issue was not resolved. Again, I was told they are experiencing a delay because of an internal issue. 
I again contacted Ditech on XXXX the XXXX as the issue was still not resolved. 
Ditech then sent me a statement on XXXX the XXXX stating that my mortgage was overdue and I was being charged a late fee of {$26.00}. 
I contacted Ditech on XXXX XXXX as this issue was still not resolved. 
On XXXX/XXXX/16 I sent a payment of {$2000.00}. The payment was for the XXXX XXXX 2016 payment of {$630.00} and the remainder was to be applied towards the principal {$1300.00}. 
I received a statement from Ditech on XXXX/XXXX/16 that the payment I sent had been applied towards XXXX and XXXX payments and towards a late fee of {$26.00}. 
I contacted Ditech on XXXX/XXXX/16 to speak with a supervisor. Again, I was informed by Ditech that this issue is in process of being resolved. 
I have called Ditech 5 times to resolve this. Each time I have called, I 'm told that they are in the process of correcting this but they are having internal problems that have caused a delay in service. 
This has gone on for a over month now without resolution! 
In the history of this mortgage, I have never paid late!
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

XXXX XXXX XXXX, PLAINTIFF GREENTREE LLC, their attorneys XXXX XXXX AND XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX XXXX COURT REPEATEDLY REFUSED TO PROVIDE ME my Qualified Written Request under the Real Estate Settlement Procedures Act ( QWR RESPA ). I sent several QWR RESPA To PLAINTIFF GREENTREE and to their attorneys XXXX XXXX AND XXXX when I learned that a Foreclosure COMPLAINT was filed on my property. PLAINTIFF GREENTREE and their attorneys XXXX XXXX AND XXXX received my RESPA QWR certified priority overnight on XX/XX/XXXX. The letter was not acknowledged. The second request was certified in my Contesting Answer, and Counter Claim for Wrongful Foreclosure on XX/XX/XXXX. In my certification to the Court, I asked the Presiding Judge to Compel RESPA and Award statutory fines. On XX/XX/XXXX, at a Case Management Hearing XXXX XXXX XXXX XXXX, in XXXX, XXXX I asked the presiding Judge XXXX to compel RESPA, and for statutory fines, and she stated that my request would have to wait for trial. On XX/XX/XXXX, I filed another motion to Compel, and explained in great detail why I was requesting RESPA, and other Discovery so that I can properly defend my position before for trial. I was later DENIED by the COURT on XX/XX/XXXX. On XX/XX/XXXX I sent another certified letter to PLAINTIFF GREENTREE and to their attorneys XXXX XXXX AND XXXX, and received a response in a letter dated XX/XX/XXXX from XXXX XXXX AND XXXX XXXX XXXX. The letter states, " Please be advised that this office is in receipt of your correspondence to us dated XX/XX/XXXX and received in this office on XXXX XXXX, which purports to be a Qualified Written Request under the Real Estate Settlement Procedures Act ( RESPA ), with respect to the above referenced loan. Pursuant to RESPA, please be advised that XXXX, XXXX will provide a response ( to the extent appropriate ) by XX/XX/XXXX. To date I have not recieved my RESPA, and these dilatory actions have adversely affected me since I have not been able to complete Discovery, and a pending motion for summary judgement will be heard today. In addition to the lack of compliance by GREENTREE LLC and Attorneys XXXX XXXX and XXXX, XXXX XXXX is lending institution that is not affiliated or assigned to my Mortgage, and do how is XXXX managing my loan? Previously, I did send RESPA QWR to the XXXX XXXX XXXX, but XXXX refused to provide to me a physical address, and my letters to a XXXX XXXX XXXX unanswered.
Consumer complaint received 2016-12-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (ID)

I have been making my mortgage payments early. I sent a message to my mortgage company on XX/XX/2016 " RE : Early Payment applied to interest When a payment is made on the XXXX of the month for a payment due date on the first is extra dollars applied to interest? " I intended to say applied to principal. I received a letter from my mortgage company several months later stating they were researching my question. and have not heard back on my question. Before the servicing of my loan was transferred to Ditech, my former mortgage company adjusted the interest and principal amount to reflect the payment date. Since Ditech is working with the same loan documents, I am concerned there are no adjustments made when they receive the payment before the first of the month and if this is the normal practice for all customers.. In this case it appears there would be no advantage to making bi-monthly payments as suggested by numerous financial advisors. I am attaching several mortgage statements that indicate when the payment was received and how if was applied. Again my main concern is I have not received an answer.
Consumer complaint received 2021-10-02
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: CORELOGIC INC (GA)

On XX/XX/2021 i contacted CoreLogic PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] to please place a security freeze on my information. I did not consent nor authorize CoreLogic or anyone employed by this company to the share my information to the public, specifically with data aggregators who are looking to collect information on my behalf. This is a major violation of my privacy rights and demand to have my entire credit file REMOVED from their data institution.
Consumer complaint received 2017-02-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (WI)

I have a vehicle loan thru XXXX. Being laid off from job, I was told that they do not refinance and i would have to find a finance company that will refinance. but due to the high interest, i owe {$13000.00} over the blue book value of the car and still not employed no one will finance the car. XXXX were nice to give me a deferment in XXXX till XXXX. However, since XXXX, I have called, left several messages and talk to representatives to be told I would be called back regarding the surrendering my vehicle process. I dont know what to do, can you help?
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax did not thoroughly investigate my dispute even after I provide them with incontrovertible evidence that the.fact and Information Im on my credit report was fast and misrepresented
Consumer complaint received 2017-02-03
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Flagstar Bank, N.A. (SC)

I summit a application for a loan modification loan that was suppose to take only 3 months, after summiting different documents that was requested by flagstar bank for nearly a year, and I was told to not make any monthly payments until instructed to do so .well after 1 year I was told that my home was in forclosure and I had 30 days to moved or my furniture will be place outside, so I moved out, after complaining to XXXX and credit consumers trying to get help, I received a letter from attorney that my home was never in forclosure, they classified it as loan modification fraud and I needed to seek an attorney.this bank moved a lot of homeowners out in the streets, they were investigated and was found to have lied to some of there customers, mostly XXXX.then I notified by XXXX mortgage as to why I moved out my home and that my mortgage was turned over to them, I 'm still devastated and embarrass, I have never been late with my payment to Flagstar Bank until I was told not to send payments .im presently trying to seek help with this embarrassment.now it 's on my credit report.what do I do now? My name is XXXX XXXX, vs Flagstar Bank.please Help me Thank you
Consumer complaint received 2015-08-12
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

i ordered computer parts and payed with my paypal account. when i clicked the summit button it said thank you for using pay pal credit. i know i did n't sign up for paypal credit the money was taken out of my regular paypal account they are duping people into believing they signed up for it by mistake.i have ordered many times from paypal and i know i filled out the forms correctly. and when i clicked the summit button to transfer money from paypal to XXXX it magically turned up saying thank you for using paypal credit ... .if i used paypal credit why was the money taken out of my regular paypal account?
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NC)

Re : : Application ID # : XXXX-XXXX Hello, I am writing because I recently applied for the Citi XXXX Platinum card and was approved for XXXX miles. 
I then receive another invitation via US Mail, that invites me to apply and says that I can have XXXX miles. Using XXXX # : XXXX. That is a vast difference of XXXX miles that I feel I am rightly deserving of. 
I would like to know if CitiBank will make it right, or who else must I write a complaint letter to to get this error in judgement corrected? 

Thank you.
Consumer complaint received 2015-11-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION (AL)

My bank is refusing to refund the transactions listed below. These are fraud! They were not authorized by me and no point. When these transactions came to my account my bank even put a block on my card and called me about them. I told them I did not do no such transaction. I was then told my card would be canceled and I would need to dispute these transactions as fraud once the hit my account. I did just what I was told and now my bank is telling me that they are not fraud. How can that be? I have never had any dealings with this company nor have I ever received any products from this company. 
XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX PURCHASE $ XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX XXXX PURCHASE $ XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX XXXX PURCHASE {$4.00}
Consumer complaint received 2016-04-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (NJ)

As you know, my car was repossessed XX/XX/XXXX. It was a XXXX Toyota Yaris fiinanced through Regional Acceptance. Today I received a letter from them stating that the car was auctioned off and want {$9000.00}. from me. I will not pay for a car I no longer have. Now, my question is this .I have a part time job, can my salary be garnished? Also, I am financing a car from a dealer in a different state. Can that car be repossessed? I just want these people to leave me alone. They got their car back. What more do they want & gt ;
Consumer complaint received 2016-12-21
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Rocket Mortgage, LLC (MD)

Quicken loans contacted my father while he was XXXX and was not legally supposed to sign any documents. The documents were hidden from me and I found them when my father passed away. I advised quicken loans that he passed away and they told me I could modify or refinance my fathers house. I told them the house was not worth what the amount of the loan was. I had the house appraised in XX/XX/2016 and the house appraised for {$230000.00}. When quicken loans sent someone to appraise my fathers house, they used comps that were not comperable to my fathers home. They used comps not near my dads home and homes that were for sale and did n't sell yet. I opted to do a short sale on the house, quicken loans approved the short sale as well as the va. I have had nothing but headaches since my father passed with quicken loans. They did. A loan with a man that was XXXX, XXXX, XXXX and when I asked them how they could do that, their answer was if he can sign his name he can have a mortgage. Quicken loans is the worst place and I would never recommend them to anyone. What they did to my father was a predatory loan and is illegal. I will let everyone know what they did to my father and the home that was in our family for 48 years. They would rather sell the house to a complete stranger then to his daughter. They will receive less then the $ XXXX I offered.
Consumer complaint received 2016-05-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (MD)

This is regarding an auto loan I have with Regional Acceptance Corporation -- They have been ripping me off big time. I got the load in XXXX of 2012 for {$23000.00} ; I have been paying {$550.00} a month for three and a half years ( I do admit missing a few month 's payments - about XXXX in 3+ years ) and they claim I still owe {$21000.00}. What interest rate have they been charging? They do not abide by what is stated on the first page of the contract under the " Federal TRUTH in Lending Disclosure '' ; instead they have converted the contract from a SIMPLE interest transaction to a COMPOUND interest transaction -- there can be no sound legal basis for them to do so. The way they apply the payments I make is not clearly stated in the contract -- why are they allowed to do this to their customers? This is robery/stealing!!!
Consumer complaint received 2015-09-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

We have a second mortgage on our home with PNC. Our first is with XXXX XXXX XXXX. We applied and received a loan modification from XXXX XXXX XXXX. Then we applied and were denied a loan modification from PNC. We appealed the decision and were denied again. Each time we asked to understand their basis for the denial and they refused to provide us with that information.
Consumer complaint received 2016-09-23
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (PA)

My son is away at XXXX in XXXX, Pennsylvania. There is no local bank for him so our bank advised him to use the no surcharge ATMs to ensure there is no charge for getting cash from the atm. When we arrived at his dorm there was an ATM right in the lobby that stated no surcharge on it ( picture attached ) so I told him to make sure he uses that XXXX. When he used the ATM it now stated they were charging a {$3.00} fee for withdrawal ( picture attached ). There is XXXX students in my son 's XXXX class and nearly XXXX students on campus. These student are hundreds and some thousands of mile away from home and need to have access to their money for necessities like books and food. PNC has the market for ATMS on campus and are falsely advertising their inaccurate service. 
I contacted PNC customer service and talked to representative XXXX XXXX on XXXX at XXXX XXXX. He took the information and said he would forward it to their service department to get the sign taken down. I asked what they were going to do for these students that have already been falsely advertised to and had to use their ATM. He said they should not have used the machine and their is nothing he would do. I asked to speak to someone higher up and he would not provide a name or number. He told me to dispute the charges with our bank. I hung up and called our bank and they said their is nothing they can do on their end because the charges came from PNC. 
The issue is that they falsely advertise and these kids are, for most, first time away from home and have no other choice but use the machine or take a chance to go off campus and XXXX only knows what may happen to get the money they need to survive. If we use the example of approximately half the student body ( XXXX ), and they take money out of the PNC ATM once a month for {$3.00} each transaction the bank has just made {$35000.00} a month unfairly. We send our children to getter a higher quality education and the big banks are morally and unethically teaching our kids that it is ok to falsely advertise and make money for doing it.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Stearns Ventures, LLC (IN)

I called my previous mortgage lender Stearns Lending on XXXX XXXX, 2015 only to state that I had my loan tranferred to XXXX. I did not and have not received any information regarding the mortgage loan transfer until I contacted Stearns Lending on the above mentioned date. Reason I am filing a complaint is I currently am going through a valid hardship ( i.e. lost my employment ) and have sent off the hardship letter package on XXXX XXXX, 2015 to Stearns. I am attempting to determine what are my next steps and I have been on the phone with both Stearns and XXXX for over an hour today and have gotten no information as I have retained copies of my hardship package as directed by Stearns Lending to attempt to provide this information to XXXX to no avail. I want to file a complaint against Stearns Lending for not providing me a 15 day notice that my loan was being transferred as I have not received any educated information on what steps I can do to make an educated decision on what to do next without losing my home.