davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

There was an inquiry made by XXXX XXXX on XXXX/XXXX/2016 that was incorrectly reflected on my credit report. I contacted the creditor and received confirmation they would make the required updates. I also initiated an online dispute with experian and received a response stating they could not remove it because they are required by federal law to list all organizations that have requested your credit history. 
However, the hard inquiry shown is reporting incorrectly. 
I have attached the letter I received stating this would be corrected.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I never signed an agreement with XXXX XXXX XXXX and I have asked for the debt to be removed from my credit report. I have asked all XXXX credit bureaus to remove it from my credit, I do not have any proof this debt from XXXX XXXX XXXX or that XXXX XXXX XXXX has the right to collect any debt from me. The credit bureaus should have proof from the creditor before placing this on my credit. It needs to be removed because this is illegal per the FCRA. The credit reporting agencies need to verify actual proof by asking for proof. The credit bureaus just asking companies to verify information is not an actual investigation. This is illegal and huring my job prospects.
Consumer complaint received 2016-10-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC (NJ)

I ran a credit report through XXXX on XXXX/XXXX/XXXX. To my surprise, I found I had a balance due from XXXX accounts from Quality Asset Recovery ( QAR ). On XXXX/XXXX/XXXX I had received a letter from QAR stating my balance was {$0.00} on XXXX accounts as noted in attached documentation. Around the end of XXXX XXXX, I had called QAR to arrange a payment plan for my debt of {$2500.00}. Myself QAR agreed to make XXXX ( XXXX ) {$620.00} payments ( totaling {$1800.00} ) as you will see in attached checking account statements provided. I have not notified QAR as to my findings and I am asking for your help to resolve my concern with my credit report stating I still have a balance with QAR of {$1400.00} ( {$310.00} for XXXX account and {$1100.00} for another account ).
Consumer complaint received 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: National Credit Systems,Inc. (IL)

OK ... .FIRST OF ALL, I HAVE A CEASE AND DESIST ORDER AGAINST THIS COMPANY. I RECIEVED A LETTER YESTERDAY ASKING FOR MORE XXXX DOCUMENTATION REGARDING MY ID THEFT CLAIM. I AM NOT SUBMITTING ANYMORE STUFF TO THESE PEOPLE!!!!!!!! I WAS LUCKY TO EVEN BARELY FILL OUT THAT XXXX FRAUD PACKET AND SEND THEM A COPY OF MY XXXX ID, AND THEY STILL WANT MORE XXXX!!!!!!!!! I AM NOT DOING IT!!!!!!! GOT IT?!!!!! THEY WERE XXXX TO YOU GUYS ABOUT GETTING A FRAUD PACKET, THEY GOT EVERYTHING THEY ASKED FOR AND STILL WANT MORE!!!! UNACCEPTABLE!!!!! THEY ARE NOT SUPPOSED TO BE CONTACTING ME AT ALL ABOUT THIS DEBT, AND THEY ARE STILL DOING IT, I GOT NOTIFICATION FROM THEM YESTERDAY BY MAIL!!!!!!!!
Consumer complaint received 2016-06-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (NY)

I was charged interest ( {$19.00} ) by PayPal for my PayPal credit account, which I believe should not have been charged. On my PayPal online account, it states that the " amount to avoid Standard and Deferred Interest '' is {$240.00}. It did not state that credits/refunds paid back to my PayPal Credit account would not be counted towards this amount. The explanation provided next to the " amount to avoid Standard and Deferred Interest '' did not provide ANY NOTICE to a customer that refunds/credit back received to the account would not count towards this amount. Because I had several hundred dollars worth of refunds come back to my PayPal account, I did not believe I needed to make an additional payment towards the amount of {$240.00} ( in fact the total payments and refunds back to my account was {$520.00} ). I was then charged interest and upon calling PayPal was told that actually, refunds and credits do not count towards the {$240.00} amount. I said that there was no notice of this on my PayPal statement or in the explanatory box next to the {$240.00} amount ( pictures attached ). Had I known, I would have made the additional payment necessary to avoid interest. Most other bank credit cards take into account refunds/credits towards the interest payment. I said that now that I know of this policy, I will take that into account for my future payments, but I should not have been charged the interest this time. PayPal simply said this was my problem and they were n't willing to do anything for me. This is incredibly upsetting, not only because I have been a PayPal customer for a long time but because I believe a customer should not be charged this interest given this lack of fair notice.
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

I have an XXXX credit card. I set up auto pay before going to XXXX. Somehow XXXX didnt receive the payment the second month. And it was reported to credit bureaus. XXXX couldnt say why it wasnt processed. They let credit bureaus know all my payment status is current and they are not reporting any late payment. XXXX and equifax are still showing that month as late on payment. XXXX has taken it off from my credit report. I was told by the credit bureaus that info is correct about me being late but XXXX keeps teeling me that there is no late payment that they are reporting. I have done the dispute twice with these credit bureaus. 
Thank you for your help
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (CA)

I have been a citi aadvantage card holder since XX/XX/2007 I upgraded my card. with that I went from a {$50.00} to {$95.00} yearly fee. When I signed up I was told that this year would be waved since I upgraded my card. I have called in 4 times now to get a run around. they tell me that a supervisor will call me back and they never do.
Consumer complaint received 2023-01-19
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records require deletions. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX my Citi Bank Access Account was charged two separate transactions of {$120.00} and {$120.00} from a XXXX in XXXX, CA. These transactions were not made by me, nor were they authorized by me. I have never in my life been to the city of XXXX, and can assure that these transactions were not made by me. After submitting a claim with Citi Bank on that same day, I was told that the second transaction of {$120.00} was not approved due to insufficient funds. Weeks later after checking my records, I realized that the transaction was in fact approved. I received notice on XX/XX/XXXX that I will not be reimbursed for these transactions, reasons being : You informed us that your Citibank Banking Card has not been out of your possession Both your Citibank Banking Card and Personal Identification Number were required to perform these withdrawals The activity appears to be consistent with your normal banking activities After reading this letter, I called Citi Bank customer service and was heavily doubted by the representative when I assured that the transactions were not made by me. The agent asked me questions such as Youre sure youve never been to that XXXX? After answering that I have not, the agent made comments such as, I dont know. This agent was being very disrespectful and was implying that I was responsible for these transactions. At the end of the call, the representative told me to Go back to my own country.
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The inquires on my credit report are not mine. Last month, I asked if the inquires could be removed, because they were made by someone other than me. My name is ... XXXX XXXX. I live XXXX XXXX ... XXXX, il.XXXX
Consumer complaint received 2016-07-13
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WI)

In XXXX of XXXX I submitted a written request to Wells Fargo to have the property tax portion of my escrow account payments disbursed when payments are due rather than annually, as is allowed per Wisconsin Statute XXXX paragraph XXXX due to my fulfilling the requirements of XXXX paragraph XXXX. I spent countless hours on the phone will all levels of customer service, who insisted that I must adhere to a single tax escrow payment annually. Only upon citing specific sections of Wisconsin and Federal statute did Wells Fargo agree to follow the law. 

XXXX taxes were disbursed without incident, however upon receiving my escrow account analysis for XXXX I noticed that Wells Fargo disregarded this requirement in XXXX. In XXXX XXXX, Wells Fargo disbursed the entire property tax payment in XXXX rather than in two installments per my written request. In addition, they miscalculated the actual amount of property taxes due, and based the new escrow analysis on annual taxes of {$3700.00} rather than my actual taxes which are {$2400.00}. This early payment combined with the wrong tax amount caused a shortfall in my escrow account, which Wells Fargo is attempting to recoup by increasing my monthly payment. 

If the correct disbursement terms had been followed, the escrow analysis would have found there is more than a two month surplus in the account which is the maximum cushion allowed under Chapter XXXX of RESPA.
Consumer complaint received 2023-01-19
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. (NC)

This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from XXXX XXXX XXXX. MY CLAIM NUMBER IS - XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : THESE ADDRESS ARE NOT MINES- XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX A copy of my disputes, the ADDRESSES AND FRAUDULENT ITEMS ARE screen shoted so theres no confusion about the accounts, addresses & companies that I am disputing. 

I DONT WORK AT EMPLOYER- XXXX XXXX XXXX XXXX XXXX XXXX I WORK AT XXXX XXXX XXXX DELETE THESE FRAUDULENT ACCOUNTS AND ADDRESSES XXXX XXXX XXXX XXXXXXXX XXXX {$250.00} XXXX XXXX XXXXXXXX XXXX {$290.00} XXXXXXXX XXXX XXXXXXXX, {$2900.00} XXXX HAVE BEEN TRYING TO DELETE THIS ADDRESS AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

By law, Part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through Experian and an additional six years of one-bureau credit monitoring and identity protection services through XXXX XXXX The Experian monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. 6, 33-43 ). The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of se

ction 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2016-10-26
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (SC)

XX/XX/XXXX I purchased a Townhome in XXXX, SC as a Veteran loan, which was financed by XXXX XXXX ( XXXX ). I satisfied all pre-qualifying requisites to include obtaining flood insurance beyond the general home insurance. After a couple of months, XXXX sold my mortgage to Caliber Home Loans. On XX/XX/XXXX, Caliber Home Loans notified me that they had deducted {$2700.00} to purchase comprehensive wind insurance on my behalf. Although I understand I can purchase my own wind insurance, I find this practice quite arbitrary since during the loan qualifying process, XXXX XXXX did not require it. Further when I contacted them, they stated I was not required to get this insurance and even attempted to contact Caliber Loans on my behalf ( See attached e-mail ). Caliber Loans chose to purchase my mortgage, not the other way around and they did so knowingly I had no wind insurance, which as previously stated I 'm not required to have. If Caliber Loans feels they need to further protect their investment as they have stated on their notice to me, then that is a financial expense that they need to afford themselves, instead of placing this added financial burden on my and my family. A consumer should not be subjected to new requirements every time a loan is sold to another financial institution. This is not a fair practice. I asked that they return the money they deducted from my escrow.
Consumer complaint received 2017-01-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (OH)

My father passed away in XX/XX/XXXX. I inherited the residential property he owned but was not the debtor on the property. I paid the mortgage to Wells Fargo after my father 's death as I was living in the property and I, after his death, held title to the property. Then in XX/XX/XXXX, I tried to refinance the mortgage loan as I was paying the loan but could not take advantage of mortgage interest deductions as I was not the debtor on the property. The bank my parent was associated with, XXXX informed me of a new ruling through the XXXX that would allow me, the son and inheritor of the property, to become the obligor of the debt without going through the process of application necessary when assuming a loan, as while paying the loan, I was unsure as to my ability to qualify for the loan and an associated home equity loan I was also paying, through regular channels. However, when I contacted Wells Fargo, they were less than helpful and have remained less than helpful. On XX/XX/XXXX I wrote to Wells Fargo and referenced the ruling of XX/XX/XXXX namely Application of Regulation Z 's Ability-to-Repay Rule to Certain Situations Involving Successors-in-Interest ; I attached the complete ruling to my certified letter to Wells Fargo Home Mortgage. Wells Fargo requested and received by Fax on XX/XX/XXXX : XXXX XXXX for my father, XXXX transfer at date of death, Quit-claim deed, and associated papers describing the property. However, even after all of the evidence of my ownership of the property, Wells Fargo continued to address letters in reference to my claim to my deceased father. They refused to honor the XXXX 's ruling to allow me to become the obligor, instead, they have continually said they would only allow me to make an " assumption '' of the mortgage loan through regular channels. I have spoken to them numerous times on the phone, the last being when making my most recent mortgage payment, when they again offered this option of assumption. Recently I was informed that the property insurance on my home was being cancelled in XX/XX/XXXX as the property debt is still listed in my deceased father 's name ; this situation is causing me great distress. Wells Fargo is disregarding XXXX and violating a XXXX even though they were advised of the ruling and of my willingness to become the obligor.
Consumer complaint received 2016-05-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CO)

When my husband ran out on me and our house payment a year or so ago I missed a few months of payments. I have been on track ever since, but they just keep adding late charges to the amount that was missed. I have been working with Citi for a year or more to get a modification on the loan. I am on my XXXX or XXXX person handling the account and each one says they have no documentation. I have sent the paper work in numerous times and feel they are just giving me a run around to get more in fees and charges or they are very very incompatent. I am getting nowhere with them. This is the XXXX mortgage with Citibank. The XXXX mortgage with Citimortgage was resolved and modified in a much more timely manor and the documentation I sent was used not lost in their shuffle. Their poor was of doing business is very XXXX for me.
Consumer complaint received 2016-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (OR)

Applied for a refinance of my primary residence on XX/XX/2016. Received an auto responder email thanking me for the application. NOTHING since that time. A couple lame emails saying they were escalating my request for info to a manager. NOTHING. I got someone on the phone today and was told that particular loan officer left the company. I 'm quite surprised that they circumvented the regulatory requirement to provide me with disclosures within 3 days after I applied. I cancelled the application as I no longer trust the service going forward. My phone call today at least got my application cancelled - I hope, as I seriously doubt I will get any confirmation via email or in writing.
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (OH)

I missed a payment on a new loan by a few days. US BANK proceeded to call me at home and at work for XXXX day XXXX times a day. I paid online as soon as i realized the error i had made but they continued to call me. When I answered the call they continued with a very rude attitude even after I told them i had resolved it.
Consumer complaint received 2016-07-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OR)

Ocwen the 3rd party servicer is forcing me into a undue/unnecessary foreclosure. 
We have complied with all the time lines Ocwen has requested and required. Ocwen has failed to request the BPO appraisal from their vendor management company. I was advised by Ocwen 's escalation management XXXX XXXX | Escalation Manager - Liquidations Ocwen Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXXXXXX XXXX www.ocwen.com. See email ( Exhibit A ) from XXXX stating Ocwen would need to obtain the value of the home before they would review the XXXX cash offers we currently have in hand. During this time I had to request a foreclosure sale date, which was granted an moved to XXXX/XXXX/16. During which time Ocwen had problems on their end ordering the BPO/appraisal. I contacted the first BPO agent Ocwen emailed to contact XXXX ( see email Exhibit B ) and XXXX told me she was on vacation for 2 weeks and asked me to contact Ocwen and have them reassign the file to another BPO Agent. I emailed and informed XXXX, then was give another BPO agent to contact See email Exhibit C, I contacted XXXX XXXX, I called him and asked if he can rush schedule the BPO, the BPO took place XXXX/XXXX/16, and I contacted XXXX XXXX today XXXX/XXXX/16 and he confirmed his BPO report has been submitted to the XXXX XXXX XXXX XXXX XXXX ) and that Ocwen should the report by now. I called Ocwen on XXXX/XXXX/16 and the rep indicated she does n't have the XXXX. I 've sent the XXXX with XXXX of the offers, even though Ocwen has no idea what they are basing the value of home since, per XXXX XXXX XXXX XXXX PH XXXX - told me that he will request the BPO valuation today and he should have it within in XXXX7 business day to receive. I 've asked because Ocwen 's process is taking so extremely long, why are they are not willing to postpone the foreclosure sale date of XXXX/XXXX/16 to allow time to complete the short sale. We have XXXX cash offers and we can perform and close this XXXX as a short sale to avoid a foreclosure
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

The prior owner of my property, XXXX XXXX XXXX, XXXX, Ohio XXXX has the cancelled note for the property and I subsequently purchased the property in XXXX 2016. Ocwen identified that they had NO RECORD of an account still existing on the property. Regardless of this XXXX is foreclosing on the property and all references refer back to Ocwen and account number XXXX.
Consumer complaint received 2016-07-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (PA)

I paid Convergent Outsoucing payment on XXXX/XXXX/16 as payment in full for XXXX bank for a credit card that I did not have but is on my credit report. i disputed this but they wont remove it so i paid convergent who said they would email me a letter the next day saying account was paid in full but they did not. am attaching a copy of credit report and proof of my payment to convergent to pay off this account. I had a premiere bank account over 7 years ago that was a prepaid credit card and I was using my own money. When I closed the account they never refunded my deposit that was supposed to be held in a savings account. I called Convergent and XXXX and am getting no satisfaction. This is a scam!