davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (TX)

Regions bank in error ordered checks for my account and then charged my account {$30.00}. This caused a NSF fee on my account. After calling three days I got the {$30.00} fee refund but not the {$36.00} NSF. They also tell me my address is not correct even though I receive statements and mail. I have never moved addresses. I believe regions bank has compromised the security of my account by allowing checks to be ordered on my account without my permission and also for the address on my account to be changed in error and without my authorization.
Consumer complaint received 2017-01-12
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Apex Resolution Group LLC (SC)

Apex Resolution Group XXXX XXXX XXXX XXXX continues to harass me and even threatened court proceedings. The calls continue after I have informed them of their misconduct. They have purchased a worthless debt from another company who bought it from another company etc ... .etc. They have threatened to " TELL MY MOM ON ME '' ( she is deceased ). This company has repeated my social security number over and over in an effort to cause tension over the phone. They also verbalized a list of names of former women with whom I have had relationships. They accused me of defaulting on loans that were completely paid off by me. I am a XXXX XXXX XXXX XXXX man and this company should be held accountable for their inappropriate and unprofessional practices. This debt for which they are calling was settled approx. 5 years ago with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. The settlement amount was for {$1200.00}.
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Equifax needs to delete and block these fraudulent accounts immediately : 1.  XXXX /  XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX    3.  XXXX  Accounts
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

From the very beginning I had discrepancies with Select Porfolio Servicing Inc. with regard to my escrow account. XXXX sold the account to this company in XXXX XXXX. Although there was a surplus in escrow when the account was transferred, I never received payment or a refund of the over payment/surplus. Instead in the month of XXXX XXXX, I received an escrow analysis alleging a shortage of {$79000.00}. A second escrow analysis was conducted in XXXX of the same year, two months later alleging a shortage of & {$560.00}. Is it not so that an analysis should be conducted only once a year? Be advised, I always paid more than the mortgage payment amount from $ XXXX {$100.00} with instructions, & monthly calls to deposit the overage into escrow in an effort to avoid these outrageous projections. In XXXX of XXXX, I received another escrow analysis but this time there was an overage/surplus in the amount of {$540.00}. This amount was refunded to me. However, there was an adjustment of {$460.00} credit due to a Home Rebate benefit which affected the escrow account. Needless to say this overage was not included with the {$540.00}. Instead Select Portfolio kept the over payment again. Notwithstanding, I continued paying more than the required mortgage payment amount to escrow with an expectation of a refund due to the surplus. XXXX XXXX I received an escrow analysis alleging a shortage of {$680.00} due to these outrageous projections. I became furious with regard to these bogus projections. I sent XXXX letters, numerous phone calls relinquishing Select Portfolio responsibility in paying my taxes and home owners insurance. I spoke with several Representatives ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and other employees ) of the company with regard to my escrow account and or this transaction and the balance of escrow in the amount of {$4200.00} to be sent to me. This amount was confirmed by their Representatives and my records. However I received a check in the amount of {$2700.00}. This company shorted me by {$1500.00}. Select Portfolio may have changed their name but they continue their corrupt behavior of Fair Banks. I believe not only does this company keep & conceal the customers surplus in escrow, they are making the customer 's mortgage payments uncomfortable so the customer looses their property or home to the mortgage company. I have taken responsibility to pay the taxes & home insurance. I would like this company to do the honest, legal and moral act in returning the amount owed of {$1500.00}.
Consumer complaint received 2016-07-12
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Phoenix Financial Services LLC (FL)

" I hope you enjoy living with your bad credit '', I am on XXXX now for 2 years because of failed XXXX. I have told this the collection agency and when I get back into the world force I will pay my debt. Currently finishing XXXX school, then I need another XXXX to hopefully fix the failed XXXX and get back to work in XXXX. The debt is from 2014 during a time I was receiving XXXX. XXXX. There is no need to be nasty, I know my debts and people need to be paid for their services. I do have plans but I must get back into the work force. Please, do not allow these people to harass me over {$200.00}.
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have a loan modification through Wells Fargo whose interest is going up to 5.2 % next month. It is my principal residence. I 'm told that because it is a mortgage backed security loan I can not qualify for any program. I can only do a deed in leu or a short sale. The loan modification they gave me also consists of a {$34000.00} ballon payment and is an interest only loan and any additional money received would go to the balloon payment. 
This home is in XXXX California. I held on to my property even though it was upside down when many walked away. My home is still slightly upside down but is recovering. Now I am placed in a financial hardship condition through a dramatic interest increase. My home was previously purchased with my then fiance. Had such a loan been not acquired, my then fiance would not have received as much of a settlement. I feel like Wells Fargo is extorting me, and I find their behavior unethical and immoral. We, the American people can bail them out but in their interest of making as much money as possible can not and will not work with homeowners.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This company has let a previously deleted account that was included in my identity theft case that was blocked from your file and also some collection account that i never heard from a company that i never did business with. They previously stated in my recent complaint against them that all accounts was removed from my file. This is hurting my file while I 'm in a process of getting a mortgage they are allowing these accounts to pop back up. The recent case number complaint with the CFPB was XXXX where they stated the removed all fraudulent accounts. I 'm tired of dealing with this issue and would like for all these accounts to be blocked immediately along with the XXXX public records XXXX from XXXX and XXXX from XXXX that was filed in error due to identity theft
Consumer complaint received 2016-05-23
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (SC)

I have been receiving calls from XXXX and I have a letter from them ( XXXX XXXX/Mercantile Adjustment ) stating I owe {$1200.00} to XXXX XXXX XXXX. I do not owe any money. I have a lease, it is paid on time. I contacted the person I leased the car from, XXXX XXXX at XXXX XXXX in XXXX, Vt. She has been in touch with XXXX XXXX. I do not owe any money. This is a bogus claim from a company I see listed on the internet who have been making bogus threatening calls for years.
Consumer complaint received 2016-11-28
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION (TX)

I received an email Check n Go denying a loan application I did not apply for and showing an address I have not lived at in almost 4 years. It contains financial information that has nothing to do with me, i.e. I have not filed bankruptcy and many more things.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX  Block Request - ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ), ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
( XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPEN XXXX XXXX AMOUNT {$20000.00} ), ( XXXX XXXX XXXX  XXXX ACCOUNT # XXXX DATE OPEN XX/XX/2021 AMOUNT {$10000.00} ), XXXX XXXX XXXX XXXX  XXXX XXXX ACCOUNT # XXXX DATE OPEN XX/XX/2021 AMOUNT {$470.00} ) Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting ACT
Consumer complaint received 2017-01-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Hello, I opened a small business checking account at my local Bank of America branch XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) on XXXX XXXX, XX/XX/XXXX The process seemed to go well and I had all the documents requested. Once the account was opened, I deposited a check made to my business and drawn on my client 's Bank of America account. It was because the check was drawn on my client 's Bank of America account that I opened my business account there in the first place, to ensure smooth processing and funds availability. 

The next day XXXX XXXX XXXX, the funds appeared in the morning and I was able to make a few transactions. Without being notified, in the afternoon that stopped being the case and I was n't able to use online banking to see the account. I called and was told by the Risk department the account was being closed ( but not given any reason for the closing or any way to rectify the situation ). Simply that BoA was electing per the terms and conditions to close the account. I was told by the Risk dept. rep that I should go to the branch to withdraw the funds, otherwise a check would be mailed from BoA to my business once the account was closed. But without a business account or the ability to open XXXX, I would n't be able to personally cash the check - essentially making the funds completely unavailable to me in any real form. 

So I go to the branch immediately and wait for hours. They eventually call what they call 'One Call ' and are told the funds wo n't be available until the next day ( XXXX ). Because I was told something completely different, I call the customer Risk dept. again, this time together with the Personal Banker at the branch at her desk. We are told again the funds are in fact available and they should be able to release them. But the branch does not. 

The branch manager comes by because it is taking so long and rudely takes over the call. She does n't allow me to hear the process any further, despite everyone clearly telling us the funds should be available for withdrawal. She disappears into her office for about an hour and reappears only to say there is nothing she can do. She is rude, unsympathetic, and offers no real resolution or reason. 

She instructs me to call the same Risk dept. again today ( XXXX ) and that the funds should then be free for the branch to release. Even though that same department had been telling me they were already released and free to release. 

So I call them today ( XXXX ) and am told it wo n't be until the XXXX that the funds are released. The Risk dept. rep is n't able to tell me if the account will remain active through the week it will take to verify and release the funds and that if the account becomes inactive, even after verified, the funds wo n't be available for withdrawal. 

It is absurd that they 've essentially stolen {$13000.00} from me in their tangle of broken processes and miscommunication.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Cash advance — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

As I was going through my credit card statement one day back in XXXX XXXX, I noticed an extra interest charge that read " cash advance '' In XXXX again, I was checking other statements starting from XXXX XXXX through now and noticed a {$510.00} cash advanced charge plus all the interest they have been charging me. I was falling behind on my payments and that is why all the interest and amounts finally caught my attention. Not knowing why the charges were there, I called Capital One to find out and the person that I talked to said that the charges are for a supposed {$510.00} cash advanced withdrawal, which I never made. He said it was related to the " cash advanced '' for XXXX XXXX. Which I never made. I went to one of the branches and I was told that I had to disputed directly with the credit card, which I already did. If you could please help me out with this situation.Help me clarify this transactions.
Consumer complaint received 2016-05-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Fenton & McGarvey Law Firm, P.S.C. (CO)

My wages were garnished. I called XXXX to dsicuss the account as I was unaware of this action. The debt is from 2008. I was told that if I paid it in full that day on the phone, that they would return the XXXX back to my employer and that the garnishment would be released. They took my XXXX payment in full electronically from my account on XXXX. They have steadfastly refused to return the XXXX taken on XXXX and on XXXX another deduction was take from my check. This company will not release the XXXX funds to me for 21 days, and then stated they will hold the second issued to them ON XXXX for an additional 21 days despite the fact the account is paid in full. They are hold XXXX of my money causing me financial and mental duress. 

It is important to note- XXXX told me on XXXX that if I paid this in full that the XXXX would be returned to my payroll department and given back to me. They have recorded lines. He lied, they did n't return they cashed it, and now have cashed another and are holding the funds.
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (NV)

Next month or so I receive a letter from a collection agency saying I owed XXXX to XXXX XXXX XXXX, so I called Agency said I do n't owe I called XXXX & T I was told I 0wed nothing they got in touch with agency and when I called agency back they told me it had all been straightened out and apologized. Then a few days ago I get a letter from The Collection Firm of Franklin Collection Services , Inc Saying I owe XXXX XXXX XXXX XXXX case # XXXX XXXX called XXXX XXXX XXXX I owe nothing today spoke with billing specialist .He told me I had to speak to a collections specialist I got cut-off so I called agency talked this time to a supervisor he said his name was XXXX he said I had to dispute this on there website and also with XXXX XXXX XXXX XXXX Finally I called XXXX XXXX XXXX spoke to a collection specialist she suggested I call credit bureau and have this matter investigated and filed a report. 
Could you help me please, I never had phones I do n't even know phone number Thank you
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CO)

While traveling overseas, I was given a drink that was spiked with a drug that made me unconscious for several hours. During this time my wallet was stolen, a merchant initiated fraudulent transactions totaling over {$20000.00} across every credit card in my wallet, then after I had awoken ( and not realized I was unconscious ) my wallet was returned to me as " found ''. I did not realize these charges were made until I saw fraud alerts on my phone the next morning. 

I have attempted to resolve the issue with Chase multiple times and they have rejected my case and declared " You received benefit from this transaction '' This is false. 

I have tried to contact them multiple times and have been told someone will contact me within 24-48 hours and no one ever does.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Neon Newco Corporation (CA)

On XX/XX/XXXX I received a debit card in the mail for a new account with Netspend. Yesterday ( XX/XX/XXXX ), I spoke to a customer service representative to report this as a fraudulent account. They instructed me to report this to the FTC and said they would close the account at the close of business. I asked if I would receive a confirmation of this and they replied that an email would be sent to the email address on file. I told them this isn't a good idea, because it was a fraudulent account and, thus, the email probably wouldn't make it to me. They said there was no other option, so I asked to be transferred to a supervisor- at which point I was left on hold for 20+ minutes. I had to hang up because I needed to move on.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Account : XXXX XXXX XXXX XXXX Personal Info : Employers : XXXX XXXX XXXXXXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Consumer complaint received 2016-07-12
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (MO)

I understand that must repay the loan ( s ). My issue is the monthly amount that I have to pay. I had to take XXXX loans from my 401k to finish paying for my degree as the amount of Federal Aid did not cover XXXX %. The problem is that I am not able to pay the full amount each month because the 401k loan automatically comes out of my check each week. I have been making payments towards my student loans even before they were officially due. In the future, I will be able to pay more towards my student loans once my 401k loan is paid back. I simply do not make enough money to pay the requested amount.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NY)

On my Equifax Credit Report, the account " XXXX XXXX XXXX '' should totally be removed. It was already removed from XXXX and XXXX but for some reason Equifax has n't removed it yet. I received a letter in the mail a while back saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.
Consumer complaint received 2024-08-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: United Shore Financial Services, LLC (AZ)

On XX/XX/year>, I upload all documents and applied for a home loan modification before I became delinquent. I was told I qualified for a FHA modification. I received a denial of modification on XX/XX/year>. The reason provided for denial was " Loan paid off or Reinstated. '' Either of these reasons for denial are inaccurate. I was not reinstated nor brought the loan current. I was communicating with my mortgage servicer that I had a dire hardship and needed to take steps before I became delinquent.

I was NOT provided with the NPV calculations that the investor used to decide my denial of modification.
I pointed out the items needing to be addressed in my Notice of Error and UWM failed to provide me by law what is required.
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has failed to remove, correct or produce proof of their reporting a public record that I have proven to to be reported wrong. Month after month, I receive the same statement that these stay on for 7-10 years or that it will not be investigated anymore. I 'M PROVING TO THEM THAT THEY HAVE IT WRONG, SO HOW CAN THEY KEEP IT ON MY CREDIT FILE??? I 've included my dispute with them below, as well as the actual page from my credit report to prove their ineptitude. 

`` county clerk XXXX '' # 1 You have the filing year incorrect - this was not filed in 2012 - send me the actual documentation that states that this was filed in 2012 - this is made available to me under section 609 # 2 You have the court listed as `` county clerk '' : the court is not named `` county clerk '' and you must have the actual name of the court for this to be accurate and correct and you do not # 3 You have the reference # listed as XXXX and this is not the actual reference # for this # 4 You have the original liability amount listed as " XXXX '' which is also not correct # 5 you have no plaintiff listed
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: FREEDOM FINANCIAL NETWORK (PA)

We applied for a HELOC with Achieve. We reviewed all the applications and disclosures and there was no language on having an eminent domain on your deed would result in automatic denial of the HELOC. We were approved and when the loan got to underwriting, they noticed the eminent domain and was denied automatically. This is a company policy of Achieve. If there was a disclosure in the application process, we would have never applied and had a hard pull from our credit.