davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-28
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: Experian Information Solutions Inc. (TX)

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of that are not mine. I need those items removed as soon as possible please.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

AmeriSave failed to close on mortgage application, three times, despite closing signatures. Over 130 emails and phone calls have been made to attempt closing without success. 

Approximately XXXX XX/XX/XXXX, a mortgage refinance research was conducted with AmeriSave ( Loan estimate XXXX ). Due to military assignment XXXX, official application for refinance was not initiated until XXXX XX/XX/XXXX XXXX XXXX number XXXX ). At that time, an application fee of {$500.00} was paid, E-Sign disclosures completed, endless verification documentation provided, and home appraiser visit scheduled. The estimated interest rate was 2.625-2.75 % over 30 years but AmeriSave recommended a " floating rate '' as rates were decreasing. On XXXX XX/XX/XXXX, a home appraisal was conducted with several photos taken by the appraiser. XXXX XX/XX/XXXX, XXXX sent a congratulatory note on new loan. On XXXX XX/XX/XXXX, closing disclosure was signed and completed at 2.875 % APR ( 2.75 % ). On XXXX XX/XX/XXXX, a reverification of AmeriSave rates based on my previously submitted information stated a 2.5 % was available. AmeriSave was contacted to request this new rate on XXXX XX/XX/XXXX as I had a floating rate but was informed that offer was not available due to additional costs, despite AmeriSave providing the new 2.5 % pre-approval estimate. Regardless, proceeded to closing on 2.875 % APR for XXXX XX/XX/XXXX ( First attempt ). Additionally, AmeriSave was notified on several occasions that as a XXXX military Service Member, my spouse would conduct the signing with a Special Power of Attorned ( POA ) acting as Attorney-in-Fact. AmeriSave understood this arrangement. On XX/XX/XXXX XX/XX/XXXX, XXXX was notified ( verbally and email ) that the digital XXXX documents ( via email ) to be signed prior to XXXX XX/XX/XXXX closing with AmeriSave notary had not arrived. AmeriSave stated they would look into it, but without resolution. On XXXX XX/XX/XXXX, AmeriSave contracted Notary arrived but was not aware that a POA would be used and documents signed by my spouse, he therefore said reschedule and terminated closing. Post first closing incident, AmeriSave management XXXX XXXX XXXX XXXX got involved and apologized for situation and stated he requested to have application fee reimbursed prior to rescheduled closing for XXXX XX/XX/XXXX. On the second closing attempt, XXXX, AmeriSave contracted notary, arrived and signed all documents with my spouse. Other digital documents provided through XXXX were signed prior to XXXX 's arrival, per AmeriSave instructions. Subsequent to all signatures, email notification was received from AmeriSave o/a XXXX XXXX apologizing for still not funding the contract after closing. Another closing was requested for XXXX XX/XX/XXXX with multiple Notaries communicating they would be at the home to resign documents.
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

XX/XX/20 @ XXXX called Capital Systems  XXXX no answer 47-second call XX/XX/XXXX @ XXXX called Capital Systems  XXXX no answer 54-second call XX/XX/XXXX @ XXXX called Capital Systems XXXX 1 minute 42-second call-representative informed me account # XXXX was sold and to call XXXX. No company name was given to me. 

XX/XX/20 @ XXXX called Capital Systems  XXXX no answer 47-seconds call-tried to call and get the name of the complaint that account was sold to. 

XX/XX/XXXX XXXX called XXXX to see why {$560.00} is being reported on my credit. The representative would not give me the company name and after asking 3 times she disconnected the call. 

XX/XX/XXXX @ XXXX called XXXX 1 minute 42-second call - this time I didn't ask for the company name I tried to talk to her about the original company that sold this account, its called XXXX. She kept wanting my full social security number. I only would furnish my name and date of birth. I stated to her several times that I have never had or even knew what that company was, I did inform her that they ( whatever business she was with ) falsely reported a debt of {$560.00} on my credit report. Also, they are falsely and knowingly reporting a monthly payment of {$560.00} on my credit report. I told the representative that her company is in violation of the fair and accurate credit reporting act and I needed this matter to be resolved ASAP od I will be reporting this to the consumer financial protection bureau. The representative hung up on me. 

So it's nowXX/XX/2020 and this is my formal complaint. PLEASE HELP ME TO GET RESOLUTION ON THIS MATTER CAUSE THIS IS CLEARLY TO ME THAT THIS INFORMATION IS NOT CORRECT AND ALL I KEEP GETTING IS SOME SHADY BUSINESS BEING REPORTED ON MY CREDIT AND NO HELP WITH AN EXPLANATION. THEY CAN NOT EXPLAIN ANY INFORMATION THAT I ASK FOR, ALL I HAVE GOTTEN WAS THEY WANT ME TO SETTLE WITH A LOW PMT FOR SOMETHING I HAVE NEVER HEARD OF.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

MIS-APPLICATION OF BORROWERS LOAN PAYMENTS BY WELLS FARGO TO PAY FOR LEGAL FEES-LOAN ACCT. # : WELLS FARGO LOAN ACCOUNT # XXXXXXXX XXXX XXXX ACCT. # XXXX. 

I wish to request that the amount misapplied by Wells Fargo wrongly towards legal fees and expenses disbursements contrary to the compliance requirements of the Real Estate Settlement Procedures ( RESPA ) and its implementing regulation, Regulation X. This also constitutes violations of the Consumer financial Protection Act of XXXX. 
These monies meant for the purpose of principal payments, interest and escrow ( taxes etc. ) payments were not applied ; accordingly, rather used to settle legal fees without any disclosure ( s ) to the borrower at any time.

Wells Fargo had accepted that only the sums of {$3400.00} and {$3400.00} was applied from the loan accounts for legal fees/costs and foreclosure costs respectively ( see Exhibits 1 and 2 attached ). Howbeit, the loan account activity statement provided by Wells Fargo specifically for years XXXX and XXXX, clearly confirms that {$22000.00} was misapplied for legal fees and disbursements ( see Exhibits A and B attached ). 
The New York State Laws states that not more than {$600.00} should be expended to recover any debts from the borrowers loan account ( See Exhibits C attached ) In XXXX, the borrower requested that the unutilized balances in the borrowers loan account including the excess legal fees be credited and applied to the loan principal account which was then in arrears of two-months in the sum of {$8600.00}, to fulfil the requirements of the XX/XX/XXXX modification agreement with XXXX XXXXWells Fargo for the forgiveness of the deferred 2nd principal amount of {$140000.00} conditioned on the borrower not being in arrears of 3 months mortgage payments at any time ( Exhibits 4 and 7 attached ) Wells Fargo did not resolve my concerns nor honor my request; but instead, immediately : 1 ) Cancelled the loan forgiveness of {$140000.00} stating the borrower had violated the terms of the modification agreement and 2 ) Transferred the servicing of the loan to a new servicer, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My credit report shows accounts that we're opened by someone else fraudulently because of identity theft. My wallet was stolen and had my driver 's licence and social security card in it. Now I'm seeing accounts that we're opened that I wasn't aware of. It's affecting me getting into a apartment. I'm gon na be homeless.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX , with Social Security Number XXXX a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> XXXX. Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-02
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. (PA)

Equifax is blatantly not following the law and causing injury to me and my life. I have disputed the same address and account several times. The company keeps sending me dispute results saying that an address that is not mines is deleted from my credit report and on the SAME EXACT LETTER it shows its still on my report!!!!!! Under law I request a updated copy of my credit report with the address deleted and it still on my credit report!!!!! I have an email from the company stating that they did not report my loan late and they have corrected the information with Equifax for XXXX however EQUIFAX still reports it late!!!!!!!!!! No other credit bureas is reporting this information. This is so sad because its a national pandemic COVID 19 and I have to be abused by this big company who clearly has no regard for the law or what they are doing. How can you keep sending letters saying something is deleted but on the same letter have it on your report!!!!!!! I will write CFPB every second day until this is fixed!!!!!!!! ALSO THEY KEEP SAYING THEY DONT HAVE MY IDENTITY DOCUMENTS BUt I send it with every dispute!!!! Please somebody do something about EQUIFAX!!!! Im also forwarding all of this to my attorney
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I'm XXXX yr old on SS.. 
Purchased home in XXXXmade monthly payments on time.Through XXXX  XXXX XXXX XXXX 
Select Portfolio Servicing has it now.

Got a 2nd mortgage a few years ago.

Got behind on paying and it worse after C19..no work.. 

I never miss my payment on original mortgage. 

Foreclosing on XXXX. 

I can pay XXXX a month on it to catch up while paying my regular payment. 
I live along and need help with this Thanks XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: California Business Bureau, Inc. (CA)

XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} CALIFORNIA BUSINESS BU ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX*XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$1200.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (CO)

TCF Bank sold out to Huntington Bank. They gave periodic notices this was happening to make it seem they were prepared. 

On XX/XX/XXXX, I was supposed to have access to my new Huntington Bank Account. Their website did not work. 

I tried to call the number and was on hold for 7 hours the first day. Including 4 hours of hold until I reached the first person who said, " They gave you the wrong number, you need to call a different one '' and 3 more hours of hold.

About 4 hours the second day.

2 hours the third day.

I contacted them through twitter, etc. 

OBVIOUSLY, they were not prepared and a week later, I still not only do not have access to my own funds but I am unable to see my records to do my taxes that were due on the XXXX. 

This is just a small side account I have but it has created massive problems for me this week with no help from the bank whatsoever to solve this. 

They have my money and I can not access my online account.
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

I received an escrow balance check for $ 600+ In XX/XX/2019. Unfortunately the check was lost and Ive been trying to get a reissue for over 10 weeks. The mortgage company claimed they are investing the situation but I havent received additional information or a reissue of the escrow check. 

Ive spoken to three customer service representatives on this matter to no avail. The mortgage did company confirm that the check did not clear however Ive received no further information on the reissue. This company has become difficult to work with.
Consumer complaint received 2021-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (CT)

A company unknown to me placed a medical collection on my credit report. I am not a resident in the state of the medical center. I have not traveled to the state where the medical center is located. I am employed in my state of residence and carry medical insurance through my employer. I do not have family in the state where this medical center is located. I do not suspect fraud, rather I suspect this is an administrative error where my SS # is being reported to in error. I contacted the agency on my credit bureau report. Unfortunately, they were not able to assist me as they do NOT have an account in their office with my name. I was told due to privacy laws they could not disclose information about any debt. I offered my social security number to which they advised my name is not in their system and they could not speak to me. This debt does not belong to me. Please perform a thorough investigation to determine the same.
Consumer complaint received 2020-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (PA)

EOS CCA agency placed a collection on my credit report showing I owed {$860.00} to XXXX. They have called me and I told them I owe no debt to them or XXXX and to prove it. They refused to show me proof of the debt and they continue to call me with threatening calls. I did a little investigation myself. I found two email letters sent to me from XXXX showing I returned their equipment which is proof I owe nothing to XXXX or the agency. I filed a complaint with XXXX  regarding XXXX sending a debt to an agency that I do not owe. Someone from XXXX called me name XXXX XXXX who left a message and said she would investigate and find out why the agency was calling me she also said she was going to contact the distribution center for XXXX to confirm the equipment was returned. The next day I get an email from Ms. XXXX telling me that my account was sold to EOS CCA agency and that she could not do anything to assist me and that I needed to contact the agency. I have proof XXXX received my equipment which I will upload for you to review. XXXX refuses to acknowledge they are selling accounts to an agency for debts that most people do not owe. They refuse to own the fact that they did not update my account to show the equipment was returned to show I owe nothing. In fact I received another call from someone name XXXX at XXXX executive office claiming that it is not their responsibility to contact the agency it is my responsibility. I told XXXX that it was XXXX fault my equipment was returned in the year 2017 and they neglected to update my account accordingly for that reason they sold my debt in error for a debt I did not owe. I asked for his boss and he refused told me again it was nothing they could do. I ended the call. He called me back and said I am going to notate that you hung up on me. I told him to since he refused to get me someone above him that there was nothing more to say. Call was ended again. I want EOS CCA to be investigated for buying my account in which I owe nothing.
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA won't credit XXXX acct. With unauthorized charge of XXXX. In XXXX Pa at XXXX XXXX auto.. also XXXX charges of roughly XXXX. From savings acct. Were fraudulent about XXXX  year ago. 

XXXX. Was fraudulent charge by carry XXXX and XXXX  XXXX at XXXX XXXX XXXX bank XXXX XXXX.
Consumer complaint received 2020-05-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

on XX/XX/2020, Bank of America reversed the transaction {$76.00} which XXXX had charged me for purchasing some items in the past ; but later I returned them the items and still have the return receipt as evidence until now but XXXX didn't refund me back my due of {$76.00} even after returning their products back to them. I deserve the refund back to my original credit card payment method which I used to pay for the products which I didn't keep but returned back to XXXX for the {$76.00} refund.
Consumer complaint received 2020-05-02
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: Experian Information Solutions Inc. (NY)

To Whom It May concern, I was trying to add my cousin as an authorized user as an authorized user on my XXXX XXXX card they had no problem with it but told me experian put a credit card freeze or fraud alert past few days i been trying to call experian for hours. When i finally got to a spot where it asked me press 2 if u want to talk about removing any freeze or fraud alert when i clocked # it said it responded back that I got it and couldnt do anything and wasn't able to get a live person. I just want experian to take off anything they have frozen on my account and confirm that with me and XXXX XXXX as soon as possible. I'm look at experian online and they have all my numbers and everything. XXXX XXXX is just waiting on experian to confirm I am me. I was told I can call experian which I've done over 100x. I will put my id in here so hopefully this all gets fixed today but if someone can call me to validate this is all taken care of would mean a lot to me. I know a lot going on with corona virus. Just looking to resolve this mix up.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

My mother is XXXX XXXX XXXX, legally XXXX and lives in another state. I have full power of attorney including financial power of attorney I am missing several key medical expenses that I need as soon as possible to file her tax return. She has a costco citi card. I work full time and am trying to do this at XXXX in the morning before work. My time is very limited. 
I called Citi, was on hold and finally was transferred to a manager -- XXXX employee number XXXX. He refused to help me and REFUSED to transfer me to his manager. 
He insisted that I MAIL the confidential power of attorney for processing. This is a confidential and time sensitive request. I need the medical expense NOW I am FULLY holding CITI responsible for refunding my mother 's taxes because they refuse to provide the information that I have a LEGAL right to in a TIMELY manner. 
Every single financial and consumer business has asked me to email or fax the POA. I am struggling to understand why CITI consistently treats their customers like trash. This is by far the WORST credit card company I have had to deal with. I have NEVER filed a complaint with the CFPB until I had to interact with CITI. I am also requesting that COSTCO sever their relationship with CITI
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Personal Info Needs to be updates CRA refuses to do it through their system Correct Name - XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX