davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (TN)

American Express Open sent an offer for bonus points after spending a certain amount in 3 months. I was approved for the card and no mention was made that I was not eligible for the offer that was made. After spending the required amount on the card, American Express said that I was not eligible after all. Opened a complaint with them but they would not fix the problem. Their advertising is deceptive.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Westlake Services, LLC (CA)

i purchased my wife 's ring from XXXX on XX/XX/2011 the financing was done through westlake financial services and the billing was serviced through XXXX XXXX, the ring was paid off, the loan amount was {$5000.00} with financing and charges i paid a total of {$7200.00} if not more. westlake financial and XXXX XXXX both used my credit report to determine financing for this piece of jewelry, WESTLAKE FINANCIAL NEVER PUT THIS FINANCING ON MY CREDIT AND DUE TO THIS ERROR NOW MY CREDIT REPORT IS NOT REFLECTING THIS PURCHASE OR FINANCING WHICH IS MY RIGHT, WESTLAKE HAS BEEN UNTRUTHFUL ABOUT THIS AND HAS MADE CHANGES IN GOOD FAITH AND AS REQUIRED BY FDIC. THEREFORE WESTLAKE HAS VICTIMIZED ME AND MY FAMILY AND DECEIVED ME IN XX/XX/2011 WHEN I AGREED TO THE PURCHASE THEY WERE NOT HONEST ON THEIR PART AND REPORTED THIS FINANCING ON MY CREDIT REPORT, I NEED WESTLAKE FINANCIAL TO REPORT THIS FINANCING XXXX MAJOR CREDIT BUREAUS ASAP.
Consumer complaint received 2015-07-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This company is reporting an incorrect status on my credit report. This account was obtained by Portfolio Recovery Associates XX/XX/XXXX and has since been reporting as an open and revolving account, even though it is a collection account. This company is updating my as a charge off on credit report every month making it appear that I am getting a new charge off/ late status on my credit report every month. After paying the company my debt owed in XX/XX/XXXX the company again updated the account as a closed charge off, and left a years worth of late payments on my credit file. I have tried to ommunicate this error with the company directly multiple times, and the company only ever says they are reporting correctly, and that is is the credit bureaus faul, which is incorrect. A collections company should not be reporting a charge off status as they were not the ones who extended the credit to begin with, and they should ot be reporting as a revolving account.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

When I went to check my credit report, I seen a lot of inaccurate information. such as collection accounts showing past due balances. To my understanding you can not have a past due balance on an account that's closed. I notified all three credit bureaus and gave supported documentation, and they did not remove them they kept it and said information was verified. This is a violation of the FCRA and also a Violation of requisite METRO 2omplaint reporting standards.
Consumer complaint received 2015-03-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc. (CA)

I was served with eviction paper from a man claiming he bought MY home from American Financial. I have tried several times to contact American financial several times with no response. American Financial claims to have loaned money to my deceased husband. But all papers filed were dated after his passing. They refused to work with me because I was not on the note. The house is in my name solely. I never heard of any loan before his passing. Now this company sold mine and my children home. I am a young widow, with no money to even get an attorney.
Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

There are two problems that happened during the application process : 1. I was told that based upon my income, and that I was a first-time home buyer, I qualified for the lower interest rate of 6 % and lower fees. I took the classes they required, provided my XXXX along with all the other documents USAA wanted, but then about a week before closing, I was informed by XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( USAA reps ) that I no longer qualified for the lower rate and fees. I asked multiple times to provide me with documentation as to what they were basing it on. The only answer that I finally received was from XXXX over the phone telling me that based upon the information provided by my employer, I no longer qualified for the program. They never told me what the information was so I could defend myself nor provided me with any documentation. She only said that I no longer fell into the " median income '' to qualify because I could earn more than the median. My XXXX show differently which is what I ACTUALLY earn. I have been penalized based upon information that I do not even know what it is without even given a chance to defend myself. 

XXXX. I expressed my concerns with my loan being serviced by XXXX because of the horrible customer service reviews they have online. None of the documents I was given prior to closing showed that XXXX would definitely be the loan servicer. Instead I was told multiple times that " they may possibly but we won't know until after closing ''. That is not the case because AT closing, there was a document at the very back of the packet that said I agreed to let USAA give my information to XXXX so they could service my loan. I called XXXX XXXX from the title company and she said that I didn't have to sign the document but that USAA would cancel everything if I didn't. 

Now that USAA has 100 % turned over my loan to XXXX, they need to send me a letter telling me this and giving me the information so I can make my payments. USAA never told me that just XXXX would now be servicing my loan. I received absolutely no communication at all from USAA or XXXX.
Consumer complaint received 2022-01-20
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: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX, XXXX credit card transactions totaling {$1300.00} was reported to Chase immediately as unauthorized transactions because I received automated notification of suspicious activity. Today, XX/XX/XXXX I received a letter from Chase saying these are valid charges even though these were unauthorized transactions in which I never benefited or received anything from these two transactions. I also never authorized these transaction and promptly reported my card and identification stolen to Chase. Chase has not provided any signature receipts or any type of evidence to back up their flawed conclusion, only a letter which is not acceptable.
Consumer complaint received 2021-02-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (OR)

About 6 weeks ago my wife and I decided to get a home loan for {$120000.00} for the purpose of upgrading our home. I retired from XXXX  after 33 years ( XXXX XXXX  ) and went to work for a XXXX XXXX XXXX XXXX ( my wife did as well ). We own our house outright, have no credit card debt ( we pay the balance of every month ) but we do have two auto loans with a balance of about {$30000.00}. I choose not to start collecting my pension because my wife and I are both working as XXXX XXXXXXXX XXXX XXXX and we're feel outrageously fortunate because during this terrible pandemic our income has actually risen. Last year ( XXXX ) our XXXX 's combined we're about {$140000.00} ( haven't filed taxes yet ). Our taxable income was around {$88000.00} for XXXX, XXXX and XXXX. 

We were denied this loan request by Better Mortgage and the reason they stated was " income fluctuations ''. They also alluded to our credit report. They wrote that our credit rating ranged from " XXXX '', which is completely false. Our credit rating is impressive and always above XXXX. 

So, our total monthly bills XXXX everything : food, electricity, water, insurance etc ... ) Is about {$3000.00}. We make over {$10000.00} per month and have about {>= $1,000,000} in retirement money-and they denied us! 

I tried ( and tried ) to talk to them. I have them everything they asked for ( tax returns, pay stubs, bank statements, investment records XXXX and in the phone I was told that our income wasn't verified. When asked for a written explanation here 's what I was sent : " As noted, we would in fact need the XXXX XXXX tax returns filed to validate that XXXX full year profit and loss statement as it is substantially higher than XXXX and XXXX XXXX income. We use the XXXX XXXX XXXX to see the income trending and wouldn't be able to use it to qualify as it is not verified and in line with XXXX tax returns as they haven't been filed yet. '' If I don't qualify for a loan, then who can? 

ThIs just doesn't seem right! 

Thank you,
Consumer complaint received 2024-05-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (MI)

Kia is predatory in charging fees to clients. They shut off your online account if you have a returned payment and make you pay through one of their customer service representatives. To pay with the customer service agent, they charge you a fee. 

The only other option would be to mail a check, per their representatives, which costs money for postage and could delay payment being made.
Consumer complaint received 2021-04-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

Unacknowledged Qualified Written Request and Request for Information - In XX/XX/XXXX, the prior servicer ( 23 months after being the servicer ) both altered the mortgage summary in a historical document ( from a XXXX balance ) as a " correction '' pursuant to a reversed prior decision fixing a previous servicing error. ATTEMPTS TO FIX THIS : I called three times and Specialized Loan Servicing, LLC ( " SLS '' ) refuses to even enter either the Qualified Written Request or the Request for Information or acknowledge these requests even exist. I was told a supervisor would call me, but this also never happened. HISTORY : Before the change in servicer, I filed a servicing error dispute with SLS claiming they had agreed to a lien release in XXXX. FACT No. 1 : On XX/XX/XXXX, the dispute was sent to their " legal department for further research. '' See attached " SLS_XXXX XXXX. '' FACT No. 2 : On XX/XX/XXXX, the new servicer took over the loan. See attached " XXXX Corrected Notice of Servicing Transfer.pdf. '' FACT No. 3 : On XX/XX/XXXX, SLS issued a XXXX Form 1098 with a XXXX  balance left owing after deducting the amount credited for the borrower. See attached " XXXX Form XXXXXXXX. '' FACT No. 4 : On XX/XX/XXXX, SLS admitted : " the lien release described in my dispute was not in error. '' They asked the new servicer to liquidate the amount owing. See attached " SLS_XXXXXXXX. '' The new servicer refused. FACT No. 5 : On XX/XX/XXXX, SLS again verified " the lien release for the loan ending in XXXX described in my dispute was not in error. '' They again asked the new servicer to liquidate the amount owing. See attached " SLSXXXX. '' FACT No. 6 : On XX/XX/XXXX, SLS sent a generic letter changing the zero balance on their historical XXXX Form 1098. See attached " SLS_XXXX '' at pg. 3. FACT No. 7 : On XX/XX/XXXX, SLS confirmed the alteration of the historical document was based upon a change in their holding there had been a prior lien release agreement. See attached " SLS_XXXX. '' UNACKNOWLEDGED QUALIFIED WRITTEN REQUEST : On XX/XX/XXXX, I requested a copy of the documents used by SLS in changing their decision on the lien release servicing error dispute. See attached " SLSXXXX. '' UNACKNOWLEDGED REQUEST FOR INFORMATION : On XX/XX/XXXX, I attached an " XXXX  '' document wherein someone alerts ( " Organization '' ) a.k.a. XXXX ( SLS parent company ) of their altered XXXX Form 1098. There is an argument about whether it is proper to back-date the XX/XX/XXXX XX/XX/XXXXForm 1098 document to XX/XX/XXXX. XXXX states the changes to the historical document were at my ( " recipient 's '' ) request. And so, I request the information wherein I make such requests. See attached " SLSXXXX. ''
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

In XXXX 2016, I ordered a free sample of of XXXX products from XXXX on line for {$4.00} shipping. This was charged to my account and paid but before I had a chance to open and use the product a charge for {$100.00} and {$100.00} appeared on my card. I called the company to cancel and find out why I 'm being charged when what I ordered was a free, pay for shipping sample. They said that since I did n't cancel within 14 days I owe the money. I put in a dispute with the Sears Mastercard and returned the product unopened to the shipping address.The company refunded {$100.00} but not {$100.00} to Sears claiming they are not obligated to refund my money because it was not returned properly. When speaking with Sear rep, she said Sears would not expect me to pay for something I do not have, but now are sending bills with additional finance charges.Trying to resolve this, I contacted the company several times.They told me that if I remove it from dispute they would refund the money. THEY DID NOT REFUND THE MONEY and Sears said they could do nothing about it. Please help get this resolved. I feel that I was scammed.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (MO)

I have written Equifax, called, and used their online dispute system to try to resolve issues with XXXX debt collection. The outstanding debt they were reporting was paid and I have a credit card statement to prove. This showed up on all three of my credit reports, XXXX and XXXX  both removed items as it was an illegitimate report. I have contacted Equifax several times of the past two years to have removed. The do not respond and only updated status to show I have disputed. I have not been able to provide information or proof of statemtn.
Consumer complaint received 2015-09-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I was offered a pre-qualified " Business Line of Credit '' from Wells Fargo on XXXX XXXX, 2015. I denied credit based on financial information from what I was told by a Representative of Wells Fargo, from " old financial archives '' from XXXX of a " charge-off '' of a credit card from Wells Fargo which is no longer on my Credit Bureau Agency or other reporting financial agencies. I was then told that " once you write off bad debt or charge offs, Wells Fargo never approves application for lines of credit or loans ... '' I have a high credit rating of XXXX - XXXX which is cited in their denial letter. Even though they stated in the letter that negative information on my Credit Bureaus was used to determine my application result. But yet, on the phone with a manager, I was told that " old financial archives from Wells Fargo was used. I asked them were they using my race and location of my business as factor for denying me a " business line of credit ''? Of course, they responded that " this was not the case '' but no good explaination was given for my denial of a business credit line other then a " consumer credit card charge off from XXXX ''. I believe Wells Fargo is using unfair business practices and discriminated towards my application based on my XXXX location.
Consumer complaint received 2015-10-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX transferred me to his manager pertaining to my account with XXXX XXXX XXXX. I received several phone calls from GE Money bank in XX/XX/XXXX requesting payment on the account. Per the XXXX he stated to send him an email at XXXXXXXXXXXX detailing the information that is on my credit report. He stated that XXXX XXXX failed to notify GE Money Bank that the credit card was paid XX/XX/XXXX. I had a coworker listening to the conversation through each of the conversations with XXXX XXXX, XXXX XXXX as well as the managers. I was told that XXXX XXXX was not available to speak with but I could send her an email at XXXXXXXXXXXX. I have called this company more than 12 times. Per the manager, XXXX XXXX did not document that I called in only documented the account. XXXX is the ID number I was given. I repeatedly told the manager that he was on speaker. When I advised him that both companies were attempting to collect on a debt that was paid XX/XX/XXXX he disconnected the call.
Consumer complaint received 2016-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This company serviced my student loan collection thru XXXX XXXX. At which time the servicing was transferred ( per the XXXX ) to XXXX. I paid this load off on XXXX XXXX, XXXX and XXXX XXXX is still reporting this loan as open and late. Last update was XXXX XXXX, XXXX. I disputed with Transunion because XXXX is reporting this correctly so why is Transunion Not? I have aletter from the XXXX showing this payment in full. This issue has cause substantial hardships to me is showing as Mortgage ready. On XXXX XXXX XXXX the mortgage broker I have been working with made the following comment to me. " Looks like the only issue you have is that Student Loan '.
Consumer complaint received 2024-05-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Real Time Group, Inc. (CA)

XXXX XXXX XXXX TRANSFERRED A PHANTOM CLOSED COLLATERAL FILE FROM REAL TIME RESOLUTIONS FOR A DEBT OBLIGATION THAT WAS BY MUTUAL AGREEMENT TERMINATED, AFTER BEING ACCELERATED XX/XX/XXXX. AND BECOMING TIME BARRED AND ALSO XXXX XXXX CLOSED BY SETTLEMENT TERMS AS I HAD PREDATORY LOANS FROM MY FIRST LIEN AND XXXX ELECTED TO CLOSE THAT TO A XXXX BALANCE {$0.00}. 

MORE THAN 16 YEARS SINCE FIRST DEMAND OF ACCELERATION. 
MORE THAN 14 YEARS SINCE LAST PAYMENT OF PRINCIPAL AND OR INTEREST THAT CA. COMM. CODE 3118b IS TIME BARRED AND FROM XXXX WAS ALSO DISCHARGED BUT WAS ALREADY PRIOR CLOSED TO XXXX SINCE CCP 337 XXXX YEARS, XX/XX/XXXX TO XX/XX/XXXX. REMOVED OFF MY CREDIT. {$0.00} BALANCE. 

NOW IN XX/XX/XXXX RTR HAD ACCESS TO STALE COLLATERAL FILE AND TRADED MY PERSONAL INFORMATION TO SLS AND THEY STARTED TO CREATE THE FAKE DEBT TO CLAIM IT WAS OWED AND DUE AGAIN. THEN HIRED A NEW SUB OF TRUSTEE TO EXCEED THE CONTRACT PROVISIONS AND EXCEED THE RULE OF LAW AND CREATE A FALSE NOTICE OF DEFAULT AND CHANGED THE DUE DATES THIS WAS TO FALSELY USE MY NAME TO COLLECT ON A LIEN THAT IS BY LAW EXTINGUISHED AND SATISFIED. THAT SUCH NOW MY IDENTITY IS USED FOR THIS FRAUDULENT REAL PROPERTY THEFT BEING SOUGHT ON XX/XX/XXXX THREATENED TO TAKE OVER MY PROPERTY WHEN THE LIEN IS UNENFORCEABLE.
Consumer complaint received 2015-06-14
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for a XXXX Preferred Guest ( XXXX ) AmEx card on their website where it stated that I would receive XXXX points upon the XXXX purchase, and and additional XXXX points if I spent {$5000.00} within 6 months. I was approved for the card and fulfilled the terms stated on the XXXX/AmEx website. 
I noticed that these points have not been applied to my account, so I called AmEx. They said it might be that I did not qualify for the promotion although this was never mentioned to me when I applied. 
If I did not qualify, it is AmEx/XXXX responsibility to make this explicit to me at the time of application, otherwise I would not have applied for the card. 
I expect AmEx/XXXX to honor the promotion upon which I applied on their website, and deposit XXXX points into my XXXX account.
Consumer complaint received 2024-05-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (CA)

They failed to send any loan repayment documents or information. At the 30 day mark, I was forced to call and tell them to send the loan information. When making the first payment, I found they had charged a late fee. I spoke with the people who answered as service reps. They agreed to waive the late fee then continued to charge late fees for the first months payment over the next nine months. They collected nine false late fees on that months payment. Several phone calls later, they simply refused to stop the late fees. I then asked if they would move the first months payment to the end of the loan and was told they would. They could then collect five years interest on that payment and would stop the late fees being assessed as result of their incompetence and failure to deliver the loan repayment documents. They stopped assessing additional late fees but kept the nine late fees on the account. Every single payment over five years was made in full on time.

Two months after making every payment in full on time over five years, including nine false late fees, and paying the last of these false late fees two weeks ahead of the due date, I discovered they assessed another late fee ten days after the previous payment was made and falsely reported the last payment as late to the credit bureaus kicking my credit score down XXXX points. 

This group is shockingly unethical and employs illegal practices. Their website payment portal is completely wrong by hundreds of dollars. It does not state principal paid, interest paid nor does it show late fees. Again, three layers of management refused to correct any of their errors. They are a disgusting display of negligent employees with no ability to discern ethical or correct accounting practices.
Consumer complaint received 2015-09-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I had a personal loan with HFC beneficial. This loan had an extremely high interest rate. In XX/XX/XXXX I was XXXX. Due to medical bills an inability to work I fell behind in payments. I tried to negotiate a lower payment and make arrangements to pay with the creditor and they refused to help me. Prior to this time payments were made in a timely fashion even when they closed the brach that I usually made payments at. They continued to add fee after fee and added XXXX more years to this loan. This was a predatory loan. They used to charge {$12.00} just to make a payment online. Now my credit report is ruined because of the unfair billing practices of this company. Eventually I think this loan was transferred to XXXX XXXX. This loan was paid in full in XX/XX/XXXX. 2 years after it was originally supposed to be paid off. No explanation was ever given to the additional charges and I believe I was forced to pay fees that were undue. This company preyed on people who were desperate and then overcharged them.