davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

On or about XXXX 2013 I applied for a loan modification through XXXX for Wells Fargo Bank. At the beginning of XXXX 2013 I received a call from Wells Fargo from their representative XXXX XXXX Home Preservation Specialist. Ten minutes later I received a call from XXXX XXXX of WFB stating she had not read the approval entirely, and all ( XXXX ) XXXX panelist did not sign off on the approval, therefore, I am denied. I took the denial and the NPV to XXXX XXXX who reviewed it and found numerous errors, beginning with my loan having deferred interest almost 100 %. Additionally they took issue with the denial Wells Fargo issued on XXXX XXXX, 2013, Wells Fargo stated that the proposed modified monthly would be more than 42 % of my monthly gross income. Listed on the NPV my income was listed at {$2700.00} a month, 31 % of the income is {$850.00}. Using my unpaid principal balance of {$250000.00} my HAMP payment would be {$810.00}. 
I believe because I was ignorant of Wells Fargo numerous and different ways they chooseto review borrowers for HAMP, I got railroaded. Wells Fargo offered me to pay my past due in 6 months, it was only XXXX payments past due.
Consumer complaint received 2016-01-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (AL)

Mortgage was sold by XXXX to Loancare. Received letter from Loancare dated XXXX/XXXX/XXXX ( I did n't open until XXXX/XXXX/XXXX ) informing me that the loan was transferred and to make payment to Loancare. Attempted all day that day to get on Loancare web site to make payment. It allowed me to create an account but would n't allow me to enter my account. Next day XXXX XXXX/XXXX/XXXX XXXX tried again unsuccessfully to get into web site. Called customer service number. Unable to reach a human being. Entered all information computer asked for : they had no record of our loan number, social security number or zip code. Mailed a letter to Loancare, XXXX. XXXX XXXX, XXXX XXXX, VA XXXX, via certified mail return receipt requested informing of situation and requesting response. Received return receipt XXXX/XXXX/XXXX. To date have not received a response to the letter. XXXX XXXX received XXXX letters from Loancare, XXXX dated XXXX and XXXX dated XXXX telling me that my loan payments were late and they were going to start collections, etc. Went online that day ( XXXX/XXXX/XXXX ) and this time the website allowed me in to my account and allowed me to make an online payment which I did at XXXX which consisted of two months ' payments plus my usual extra principal of $ XXXX/mo for a total payment of {$2700.00}. Attempted to register at that time for auto draft, but got message that late payment had to clear before registering for auto draft. Went back online on XXXX/XXXX/XXXX and successfully ( or so I thought ) registered for auto draft. Set up draft effective XXXX/XXXX/XXXX with a draft date delay of 4 days so that the payment should have been drafted XXXX/XXXX/XXXX. Fortunately I made an entry in my calendar to check to see whether the mortgage was drafted. Checked today ( XXXX/XXXX/XXXX ) and sure enough, the payment has not cleared my checking account. Signed into Loancare 's web site and see that they have not taken the payment. Made a one-time payment online of the regular monthly amount plus extra principal.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I am filing this compliant because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2015-12-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (MA)

I got an email from Discover Card that said my credit line increased to XXXX ( from I beleive XXXX ), but it also stipulated that my account would canceled if I did n't use the card by XXXX 2016 ... just three months from the email date ... because I have n't used the card for a few months and it has a XXXX balance. So they do they something to improve my credit by increasing the limit and then threaten to cancel that credit if I do n't use it. That 's a form of extortion. I saved the email and can send it to you.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXXXXXX XXXX, XXXX , XXXX XXXXTo Whom It May ConcernI sent a letter to you disputing XXXX unauthorized hard Credit inquiries removed as erroneous on XX/XX/XXXX and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on XX/XX/XXXX.it is now XX/XX/XXXX and I have not received a response from you. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), you have XXXX days to investigate disputes. If you can not verify the information within the XXXX day time period, you must delete all of the dispute accounts from my report. You must now delete the dispute and unverified accounts failure to do so can result in a {$1000.00} fine per undeleted item. 
Unauthorized Hard Credit InquiresFollowing creditors responded me and they ask me more information 's. They fail to respond with in XXXX days time period .all letters attached. please remove following inquiresCreditor Inquires DatesCAPITAL XXXX, XXXX XXXX/XXXX/2015, XXXX/XXXX/2014, XXXX/XXXX/2014, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXXFollowing Creditor 's not responded at allCreditor Inquires DateXXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXXEnclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all accounts I have disputedThanks in advance to your timely response to this request ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-09
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch (NJ)

First Investors Financial Services have stolen our auto loan payments and have not applied very many payments towards our loan balance. We refinanced our vehicle with them in XXXX 2015. Due to the theft regarding auto loan payments our balance has not been adjusted except on rare occasions. Which proves that the payments are stolen and not applied to loan balance! This situation has caused our credit scores to be terrible as they have ruined our credit! Let alone the amount of money missing that should have been applied to auto loan balance in order for the balance to be correct! So-what is going on with our auto loan payments -- -theft!!!!! This company has a bunch of thieves working for them and I believe the company should be shut down due to this fact! We have also made duplicate payments on a couple occasions and still balance remains the same! First Investors Financial Servicing Corp-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX.
Consumer complaint received 2015-12-27
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (FL)

Chase offers fee based Credit Card product in partnership with BritishAirways. The rewards program as part of the product is quite misleading to consumers and to certain extent fraudulent in my opinion. The product charges {$95.00} annually and used to provide 1.25 times reward for every {$1.00} spent. Chase changed the terms of the rewards arbitrarily without any change to the fee structure charged annually. It now offer XXXX reward point to every {$1.00} spent which is similar to many other cards which are fee free. Also the card provide free companion ticket if one spends $ XXXX in calendar year. I rushed to meet this spend level last year to claim the free companion ticket. Later found out that this is completely fraudulent. When try to book the ticket using this voucher, there are no availability for the entire 12 months of 2016 if I try to use the free companion voucher. Then I decided to not use the voucher it shows up very limited availability where I need to spend XXXX reward points and pay additionally $ XXXX for XXXX tickets. The regular pricing for such tickets is of the order of $ XXXX. This means Chase offers you reward points however they are useless currency. I have already complained this to chase but I have no faith that they will review their rewards program with BA and aptly compensate me and many such consumers. This is false advertising and should be clearly communicated to consumers when Chase advertises the rewards program to it 's consumers. 
I think I have paid un-necessary annul fee for product that did not offer me anything in return. 

Also, the british airways rewards prograAt the time of sign upis quite fradulent
Consumer complaint received 2015-12-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

I submitted a complaint over a month ago. That complaint is XXXX. 
I have still not received a copy of the investigation and full copy of my credit report. I was recently denied credit due to inaccurate Equifax information, but I do not a full copy of the report so I can not dispute the specifics. I am attaching the credit denial letter.
Consumer complaint received 2015-09-16
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Pressler & Pressler, LLP (NY)

I was negotiating a settlement with Pressler & Pressler regarding a XXXX XXXX account. After submitting my hardship proof and making numerous calls, with no callbacks, I was told that they faxed a 'payoff ' letter to XXXX XXXX XXXX who was NOT and is NOT representing me ... he was representing the bank on my foreclosure. I repeatedly called Pressler regarding XXXX party disclosure and violation of the FDCPA and I could never get anyone on the phone -- left numerous messages to no avail. When they told me what they did I immediately advised that they were in violation and I was basically told 'big deal ' and the call was terminated. I have attached the letter I have sent to them, but I wanted to go on record in case I still get no satisfaction.
Consumer complaint received 2016-02-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (OH)

I had a home equity line of credit with XXXX XXXX. After XXXX filed for bankruptcy, my account was transferred to Specialized Loan Servicing ( SLS ). In XXXX 2015, SLS offered me a loan modification with a fixed monthly payment to include principal and interest. I accepted the offer and paid the loan modification fee. Then SLS began sending me a monthly statement showing a monthly payment amount that was much higher than what the loan modification called for. I contacted them and was instructed to pay the agreed upon amount, they said that it was an error in their system and they would correct it. Every month thereafter, I would receive a statement from them for a higher amount. Every month I would call them and they would instruct me to pay the agreed upon amount, which I have. I have always made my payment prior to the due date and have never been late or missed a payment. After many months of this, I finally received a statement for the correct amount, but it indicated that I was a month behind. Again, I called and was told that his is a system error and it would be corrected. It has been over a year and this is still not corrected. In addition, I was issued a XXXX interest statement that is not correct since my payments have n't been credited correctly. I receive phone calls from their collection department almost weekly, and this is bordering on harassment. Again, I have made all of my payments early, have never missed a payment or been late. I 've talked to their customer service department dozens of times and each time I get the same response that they will " open a ticket '' but nothing ever gets done and no one ever fallows up with me as promised. This is the worst customer service that I have ever experienced. Can you please help facilitate this situation.
Consumer complaint received 2016-02-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ACCELERATED COLLECTION SERVICE, INC (WA)

My boyfriend was admitted to XXXX XXXX hospital in XXXX of XXXX, they never sent us a bill then billed all of his services as out of network. We asked for this to be corrected and they assured us that the situation would be resolved. Today they have NEVER sent us a bill only print out with a list of the charges and a statement showing that this is not a bill. They then turned the account over to a collection agency Accelerated Collections. We again repeatedly asked for a bill as we had never received XXXX and were told that XXXX had been sent. We supplied them with what was sent to us clearly showing that the it read this is not a bill. When we initially asked for a payment arraignments they said no. In XXXX of XXXX they finally agreed to a payment arraignment. They had also added my name to his account even though him and I are not married and they were told this several times. They also have no reported this on to my credit report and a joint debit that was never mine to begin with. They also refuse to present a settlement offer to the original debit holder for approval.
Consumer complaint received 2024-11-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion received my formal dispute letter on XX/XX/year>, which requested a manual reinvestigation of specific inaccuracies on my credit report. The dispute explicitly objected to the use of automated processes, such as XXXX, and required verification directly with the original creditors. Despite my request, TransUnion failed to provide a response or resolve the disputed items within the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ), with the deadline being XX/XX/year>. 

Additionally, I sent a 15-day follow-up letter and a final demand letter, both via certified mail with return receipt, reiterating my original requests. TransUnion has yet to comply, nor have they sent any certified responses to my correct address, despite having documented proof of my current address from the dispute letters and supporting documents I provided. 

Furthermore, they have repeatedly stated they would send investigation results in 7 business days, but I have not received these responses. It is possible that TransUnion is sending sensitive personal information to an incorrect address, which I have never lived at, exposing me to potential identity theft and further violations of my rights under the FCRA. 

The continued failure to respond appropriately or address the inaccuracies on my credit report has caused significant emotional distress and financial harm.
Consumer complaint received 2015-12-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NJ)

Ive been having problems with Wells Fargo saying that I have an available balance in my checking account that o do n't actually have so I removed overdraft protection off my account so that I would not be able to spend what I do not have. My account is overdrawn because of a transaction that was allowed to go through when I did n't have the money and I was charged an overdraft fee. I also have a purchase pending that I paid for with debit so should have been instantly removed from my account. Wells Fargo is continuously conducting fraudulent activity on my account. The reason the law was made for banks to give people the option to remove overdraft protection was for this very reason and wells Fargo is doing their part.
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

i refinanced my mortgage on XXXX XXXX with Bank of America and i was told yesterday for XXXX of the banks when i was trying to get my principal reduction that my mortgage was miss handled by Bank of America. Even though when i tried to do my loan modification Bank of America told me i do n't qualify. Now my mortgage was transferred to XXXX in XX/XX/XXXX. I am in a trial payment with XXXX and i prequalify for the loan modification vs when I tried to do with Bank of America they told me I do n't qualify. 
I would like to have my loan review by the consumer finance. I have all the documents when i refinanced my mortgage with Bank America in XX/XX/XXXX. By the way my investor is XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-01-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation (MN)

A few years ago I tried a small business and wanted to process credit cards. I signed up thru XXXX XXXX and First Data. They sent me a machine which did not work from day one. I called them and they said they would send me another machine for {$40.00} more dollars. I refused. After months of trying to get this worked out I finally got an email from them telling me to return the machine and the nightmare would be over. I followed their instructions and have the postal receipt. Since then I have been harassed by First Data for lease rental fees ( after I was told the whole mess was resolved ). I did not hear from them for many months and today I received another call, not stating who they were after I specifically asked them who was calling, telling me I owed money to First Data. I replied " I do n't owe them anything ''. The person on the phone told me in a menacing tone, " Check your credit ''. I went online and there are hundreds of complaints against First Data. They are a mega corporation so I 'm sure they feel untouchable. I have been an honest guy my whole life and they threaten my credit when they completely failed me as a consumer. It 's a shame and I expect my government to stop them from destroying good people credit. It 's been years but I still kept the email where they told me to return the faulty machine and that I was done with First Data. Please stop First Data and make sure they did not ruin the credit I rating I earned my whole life ( my rating was about XXXX ). Thanks. XXXX XXXX
Consumer complaint received 2015-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: J.S Resolution Group, Inc. (GA)

A company by the name of JS Resolution called and stated the need a letter from my attorney. He did not state what this was about, but he did state that actions will be taken without my knowledge.
Consumer complaint received 2016-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

A few years ago someone opened a cell phone account with XXXX in my name and did n't pay the bill. I reported this to police. Midland Credit has been trying to collect the debt ever since. I have sent them a copy of the police report and requested verification under the fair credit act. I sent XXXX as registered mail and received confirmation via USPS that they received my request. They never responded to the verification as required under the law. They continued to call and mail letters to attempt to collect the debt. I spoke with them in XXXX and they said due to the above they would cancel the debt and report to the credit bureaus. In XXXX, they once again attempted to collect the debt.
Consumer complaint received 2016-01-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

I had a vehicle that was stolen in XXXX XXXX. I made my monthly payment to Ally Financial early for that month and called to request that the payment be returned because the vehicle was stolen. They returned the payment and awaited payoff from my insurance company. 
I called ( Total Loss department ) weekly to make sure they needed nothing else from me and when I called in XXXX they stated they had everything and had received a check from my insurance company and communication from the GAP company. I was told I was all set. 
Fast forward to XXXX XXXX, XXXX I missed a call from an unknown number and called it back the following day after a second call. It was the collection department at Ally. They stated I owed approximately {$5400.00}, after being transferred, it finally became {$670.00} after being researched. 
XXXX different representatives ( because XXXX disconnected the call ) in escalations ( XXXX and XXXX ) advised XXXX different reasons as to why it was XXXX and I am just being notified of a balance. XXXX stated that it had to do with an incorrect payoff amount being given to XXXX XXXX. The time it has taken to notify me of a balance that I do not believe I owe is ridiculous.
Consumer complaint received 2016-02-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

So I have had a loan from Infiniti Financial since XXXX XXXX. I have been making my payments through the bill matrix system since that time. There are times when I make the payment using the bill matrix online and the payment does not process all the way through but I get a confirmation number. Usually I have to call back because I notice my Payment does n't post in my bank account. Well this last time in XXXX I made the payment on Friday XXXX XXXX XXXX at XXXX. I figured the payment had n't posted because they do n't process payment on the weekend or on holidays which it was president 's day on Monday. I got a call from them saying my payment did n't post and that I am now 31 days late so they have reported my account Late to the credit bureaus. I should not be reported late to my credit report as it was a system error that occurs quite often when I do it. It is incorrect for them to report me late when it is their system that is causing the issue and I have never been 30 days late on anything ever and they are refusing to remove late When it is their systems fault.