davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-09
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (IN)

I made a HUGE mistake of taking a loan out with these scam artists, I was approved for a {$1000.00} loan, and I was told that there would be a {$350.00} finance charge, and although that seemed high, I agreed. 

What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure NOT visible at the time I accepted this loan showed an APR of, and this is not a typo either, 779.0804 % and that the total repayment amount for my {$1000.00} loan would be {$9900.00}. 

After realizing what I had gotten myself into, I started looking online and saw what kind of company this is, they are a predatory lender engaged in illegal business practices. 

I am a single mom ( so single income ) with XXXX children and no child support. I will not be able to eat or feed my children if i have to pay this ridiculous finance charge. Please help.
Consumer complaint received 2016-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OK)

Fedloan Servicing, a Department of Education Servicer stated that my student loan payments in XXXX 2016 and XXXX 2016 were returned due to " insufficient funds. '' This is not accurate since bank statements in XXXX, XXXX, and XXXX 2016 reflect the payment deducted from my bank account and never returned. In addition, there were zero insufficient fund ( s ) fees attributed to my bank account. I have provided full monthly bank statements to Fedloan Servicing and was told each time that the documentation was not thorough. My calls were escalated to a supervisor named " XXXX '' ( employee id # XXXX ) who stated all that was required was full monthly bank statements indicating all debits/credits including the deduction of my student loan payment during these months. Recently, XXXX stated the processing department would more than likely deny the bank statements since they did not include full account balances. The bank I use does not provide full account balances on their monthly statements. I provided the necessary documentation originally requested and have complied with all requirements. The bank statements for the months in question prove the student loan was deducted from my bank account and never returned. There are zero insufficient fund ( s ) deductions as well.
Consumer complaint received 2017-11-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I register my personal information with Equifax on XX/XX/17 at the time service was free at no charge to register. Equifax services guarantee customers a 30 day period to work the case and present some type of updates to customers if its by phone or email now its been more than 30 days and no udates nor touch basic has been made with me. Now my membership does n't exist with Equifax anymore membership is being denied when attempting to login. Equifax services is redirecting me to a different site call trusted ID wich i have to pay for there services was never mentioned by Equifax on the day i presented my information to Equifax. After waiting 30 days im very disappointed because my privacy is out there
Consumer complaint received 2016-09-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BOK FINANCIAL CORP (NM)

I will layout my complaints as follows : XXXX. I feel that a loan work out was deny because I am XXXX 2. My file was lost for three months. I submitted the " Receipt of Application Assistance for Home Assistance Program '' on XX/XX/XXXX after my housing XXXX talked to a Bank of Albuquerque representative stating that they never receive the " The Receipt for Home Assistance Program-package. 
Although, we have a fax confirmation that states that the fax was transmitted. The Bank of Albuq. rep. requested we resubmit the package again which was on XX/XX/XXXX. 
In addition to this, my file was over looked previously for a year until I had to go to court on XX/XX/XXXX to reinstate the foreclosure documents. I disagreed. For 15 months that my file was overlooked, it has accrued late charges/inspection fees/late fees/taxes/hits on my credit which lowers my Fico score. Is this nickel and dime tactic adding to sabotage my chances of keeping my home? 
3. Taxes/Escrow : I called the Tax Accessor for my county an she stated that my taxes for XX/XX/XXXX were {$1100.00} and I could apply as head of household for " Freeze of Taxable Value in which they would freeze the amount of the {$1100.00} because I am XXXX. I also called an XXXX rep. to acquire a fair estimate for house insurance. After answering some questions about my dwelling she stated a quote of {$58.00} a month for house insurance and if I included my car it would go down to {$48.00} with a {$2000.00} deductible. Bank of Albuq. 
is charging me {$2400.00} more for home insurance a year. I would insure my home and include my car which would be around {$570.00} a year plus the {$1100.00} for property tax equals to {$1600.00} for both my Taxes/Home Insurance. They are over charging me ... ... ... why? 
4. Communication has been hard. This includes me also. 
5. Disclaimer : I had applied for XXXX around XX/XX/XXXX and did n't get awarded until XXXX XXXX. It took nearly XXXX yrs. 
to received it. One of my conditions is rare. XXXX. They asked if this hardship would be temporary or permanent? Is this a discriminatory question? 
This XXXX contributes to my physical conditions that transfer into XXXX daily. Unfortunately, the un- employment, involuntary reduction of income, and payment shock in the increase of the escrow and the adjustable mort- gage rate has place this mortgage dilemma as more of a hardship to everyone involved.
Consumer complaint received 2016-10-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (CT)

Schlee & Stillman , LLC claim I owe XXXX to XXXX, a XXXX account. I have not purchased anything from XXXX Since XX/XX/2014, XXXX fraudulent orders were placed on my account subsequently for XXXX products which I have no use or need for. Prior to these orders being placed, XXXX was advised to close account. However, request ( s ) were ignored and orders were placed thereafter. There is tracking info for only XXXX of the XXXX orders, supposedly signed for by XXXX. For the record, I do not ever sign my name as XXXX. The XXXX order, also an XXXX product, does not have any tracking info or a signature. XXXX was advised numerous times that I did not place these orders and did not receive them. Several affidavits were sent in, however, nothing done and insist I continue to send in additional ones which I refused to do. Complaints were filed with XXXX against XXXX and XXXX as well as with FDIC, CFPB ( Consumer Financial Protection Bureau ), all unresolved. They insist I pay the debt for items I did not order or receive and claim to have " thoroughly investigated '' the orders. Their " thorough investigation '' consists of verifying billing and shipping address which proves nothing. Obviously the billing and shipping addresses match, otherwise the orders would not have been processed and shipped. I have not ordered anything from XXXX since XX/XX/2014 because their prices are extremely high, you can find most of their items for less at most retailers, their service is VERY poor as I have described above. Please advise Schlee & Stillman , LLC I refuse to pay them or XXXX.
Consumer complaint received 2016-10-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Progressive Financial Services, Inc. (VA)

I paid a ( disputed ) debt XX/XX/XXXX per the " settlement '' offered. The check, marked " paid in full '' was cashed XX/XX/XXXX and now, nearly 4 years later, Progressive Financial Services is attempting to collect additional monies.
Consumer complaint received 2017-08-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Global Payments Check Services, Inc. (GA)

I have student loans reporting from 2004 which are repeating twice and should be off my report.Totals are XXXX for one and I have many XXXX tried calling and have written letters no reply .This loan are over 10 years old still reporting repeatedly to account.Please help me remove them.XXXX XXXX XXXX and XXXX XXXX XXXX.My loans were transferred which they should be removed for that purpose XXXX check was deleted off and they reported it back with a new starting date account was never mine and disputed it
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I paid ALL of the open collection accounts on XXXX my credit reports during the summer of XXXX. In XX/XX/XXXX I received notice that collection account from XXXX had been added back to my reports ( for a second time ). The collection account appeared on my report several years back, but due to issues with the original creditor changing management companies, my collection account was removed. It is my understanding that a collection agency can not " re-age debt ''. I called XXXX agencies explaining that this was the second time that this account had disappeared and reappeared on my credit report. After rude conversation with multiple agents, I gave up. This past week the exact same thing happened. The collection account was removed and added back to my report due to a " glitch '' in their system. I was told that a glitch in the system was confirmed and that I needed to call back within a few days to discuss having the debt removed frm my report. I was also told they would not remove the debt until they figured out what caused the system to fail. I then spoke with someone else who would not confirm anything and was MORE than unwilling to assist me. Within days, this collection account and multiple inquires were removed and added back to my account. This has happened several times particularly with this one collection account. Transunion is aware of the first two thimes the account has been removed and added and in a report that was mailed to my home in XX/XX/XXXX from Transunion, one month before this account was re-inserted, this account does not appear on my credit report.
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

I have on several occasions tried to bring a complaint about being refused my right as an consumer to make my credit card payment to the attention of wells fargo. I have been denied my right as consumer to a resolution now as well. They will not call me back to discuss this matter or get any actual facts in regards to the situation at hand. 
Instead, they write a vague response with fraudulent facts about a payment being processed. They will not address the actual issue. The report says I refused to make my payment at the branch. THATS A BLATANT LIE! The person who investigated the matter wrote a fraudulent statement and needs to be held accountable. 
Now they have shut my credit card off stating suspicious activity but never once contacted me regarding the suspicious activity. I want proof the suspected unusual activity. This is illegal. This is fruad. THIS IS DISCRIMINATION AND RETALIATORY RESPONSE FOR MY MANY COMPLAINTS. 
This bank is known for discrimination and fraud against minorities and needs to be held accountable. I deserve a complete audit of my accounts and outside investigation from non associated persons with this bank.
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

I was XXXX day late on my credit card payment. Card ending in XXXX. I live in central XXXX  and XXXX  XXXX destroyed my area. The roads were untraversable and I could not get to the bank to make my payment. This bank decided or was okay to charge a late fee in XXXX the worst disasters in XXXX  existence. That is absolutely criminal and this bank needs to be fined and held accountable. They are taking advantage of poor people during a crisis. It's sick and unconstitutional.
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was a victim of debit theft. The person actually went to the atm and withdrew money out my account. My car was stolen in the time period between you dont have money and pay day. I really dont use my card to much then but to fill up my tank. So when I did call Bank of america I filed my claim. I told them my pay check is coming will you be taken money from my check. When the people stole my money they took my pay check money. So I went a whole week with out pay. I was reassure my money was safe. I am behind on bills. Bank of America took my whole pay check. I was able to take XXXX dollars out which was for bill but now in turn its for gas for the week. I am behind on my rent. I still will behind. Do you think a big Bank like that will help me out no. I am hurt and super sad. I asked the customer service representative if they will take money from me and she assured me they would not. 
When you file the claim you are guilty before innocent.
Consumer complaint received 2016-04-05
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TX)

my mortgage company paid out 3 separate tax payments to my county at the end of the year, all 3 payments were for the wrong amount of taxes, one payment was used to pay taxes and the county sent the overage back, a second one was returned, but the third payment the county shows they never received. The mortgage company keeps saying that they are waiting to get it back from the county. It has been 4 months now and still no resolution.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I submitted a dispute for inaccuracies on my credit report with Experian and received my dispute results and a bankruptcy is still reporting on my credit file and it inaccurate. I submitted a claim with BBB and they still sent another dispute result with inaccurate reporting stating the company reported that the information has certified to Experian that the information is accurate and they will not remove it. Per the law passed in XXXX it states the below. 

Not following the Law passed in XXXX XXXX CDIA and NCAP. I have tried to dispute the inaccuracy of my credit file and have not been successful. I have disputed with Experian several times in regards to a public record of a XXXX on my credit file with no verification and no satisfaction. Due to the new law ( CDIA ) that took place on XXXX XXXX, XXXX states New standards for how tax liens, civil judgments and bankruptcies are included in credit reports will go into effect XXXX XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide conumer reporting agencies ( CRAs ) XXXX, Experian and XXXX- to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report : Beginning XXXX XXXX public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at, or frequent intervals as follows : Minimum reporting of 1. Name 2. Address, and 3. Social Security Number and or date of birth. Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. They have not once updated any public records or provided any proof or verification this is mine. 

What they have reporting only has the XXXX court information and some identification number which I am not aware of.
Consumer complaint received 2016-10-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

We are currently trying to sell our home. Because the house is underwater, I contacted Wells Fargo for some type of assistance for ways we can sell the home. The tentative buyers are offering {$130000.00} and the amount owed on the house is {$140000.00}. I was told nothing can be done but a short sale which will take 6 months to complete. If I can not afford the home on this date, how can I afford the home six months from now. I urged them that I had a buyer now and could not afford the difference of what was owed and how much the buyer was willing to pay ( {$10000.00} plus realtor cost ). I also relayed that I can not afford making monthly payments which if I stop I will not be eligible for short sale. Any suggestions are appreciated.
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MN)

Bayview loan servicing, not reporting our current mortgage status, we own our home, Bayview showing on our credit bureau history, we lost our home in s chapter XXXX Bankruptcy discharged on XX/XX/XXXX. We have been current with our mortgage, and due to an attorney error, s letter to reaffirm our mortgage debt was not filed withBayview, s letter of intent to keep this debt, as well as s car was filed. This error was not found by Bayview or myself till I pulled s credit report almost s year after Chapter XXXX was discharged. Bayview refuses to report to credit bureaus accurate information, due to the missing reaffirmation letter. We modified our mortgage XX/XX/XXXX We pay on time, but Bayview continues to show we lost our home in a chapter XXXX Bankruptcy! I have since sent them the copy of the reaffirmation of debt letter, my attorney is no longer employed with the law firm we used. I have sent all three credit bureaus, 10 years of payment history on our mortgage, deed, ad well as property tax statements. They will not change info on credit report. Bayview loan servicing, had recieved the documentation and continues to not report to credit bureaus. This is wrong.. they will not work with us due to human error. We pay our mortgage every month, have for years, but on our credit report Bayview shows we are not home owners! This is bad business practice. Our credit report needs to reflect that we are home owners and we pay on time. I have sent the reaffirmation letter to there company, but they will not acknowledge they have recieved it. They are a very disorganized company, and our credit is being destroyed. They need to correct our credit report, we did not lose our home before, during or after Bankruptcy. Our home and vehicle are exempt under BK laws. They new we had no intentions of losing our home. Bayview loan servicing are disorganized and take weeks or even months to handle complaints. I have been fighting to get our home ownership back onto credit file for almost three years.
Consumer complaint received 2017-12-25
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: Experian Information Solutions Inc. (OK)

Bought a car from XXXX XXXX XXXX XX/XX/XXXX. Paid on the car for a year and it had serious mechanical issues so traded the car in at XXXX XXXX for loan with XXXX. XXXX has pulled hard inquires on my credit every 3-6 months since I 've traded the car. And recent found that the published my full ssn address dob and other personal docs on a public site where anyone can search and just look up my information. They pulled my credit again XX/XX/XXXX. Not sure why this company is still pulling my credit and reporting incorrectly on a traded car. I 've made calls and get the run around or say someone will call back no one calls back. So I 'm unable to find out what 's going on with this company. Never reported one payment I made and new dealership should of closed the loan. If not where is the car and why does it still show I owe over the balance of the original loan with them. Can provide web search where it has company letter head my personal information on request. Also able to provide credit reporting on request.
Consumer complaint received 2016-10-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BMO Bank, N.A. (WI)

Made the last payment on 15 year loan in XX/XX/2016. Was informed by bank that I had a balance of {$98000.00}. I applied for loan to buy some time and was turned down because of low income and low credit score. The 15 year loan was paid monthly without missing a payment. {$950.00} a month for 15 years. Total amount paid was {$170000.00}.
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MS)

I recently checked my XXXX card and my credit report, and noticed that EVERY time I made a payment, my credit report always showed me at max limit. My opening line of credit was {$1900.00}, now it 's at {$1600.00}. So whenever I make a payment. my credit limit is decreased which makes my credit score lower. I WAS NOT NOTIFIED OF THIS ACTION AND THIS IS UNETHICAL! 

XXXX needs to fix my history regarding my credit report. I should not be showing MAXED out credit becasue they have chosen to lower my limit with every payment. I believe this may be against the law. I need this fixed immediately and I do n't know how they are going to do it, but I do not want my card closed or frozen. I want my credit limit raised enough to show that I am indeed NOT maxed out on my XXXX card.
Consumer complaint received 2016-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (SC)

This fraud company IQ Data International is falsely reporting an debt on my XXXX credit report. It 's been verified that the social on file is n't mine, I 've sent requested documents and still they refuse to remove it off my credit which is against the law. I 've spoken to rude agents such as XXXX XXXX and XXXX those XXXX are rude and speaks to you in a rude manner. They have used " scare tactics '' and threatened me on several occasions which is a violation. I 've asked to speak with the CEO XXXX XXXX and the reps most recently XXXX claims to not know how to get on contact with him. I 'm at my wits end with this situation and the illegal things they are doing. I 've gotten in contact with an Attorney Genrral and at this point I am ready to seek legal action against them.