davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-01
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: LTD Financial Services, L.P. (DC)

I 'm actually the third party in this case. 

I received a call and a voicemail from XXXX LTD Financial. She identified herself and the company as a debt collector and asked me to provide call her back at XXXX XXXX XXXX XXXX and provide a certain reference number. 

I called back and never identified myself. I provided the reference number to XXXX and asked who she was trying to reach. She gave me the name of someone who is not me and I said that I verified that I was not that person, then she read back the reference number incorrectly, and I corrected the reference number and she gave me a second name. This was not me either. She asked if I knew the person and to tell them to call her. 

It seems wrong that they could be telling me or anyone else that someone else is behind on their debts based on mistaken contact information. If I 'm not mistaken this is also illegal under the FDCPA.
Consumer complaint received 2016-06-02
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: MB FINANCIAL, INC. (MO)

I added a new employer as a direct depositor to my XXXX Card by XXXX which is issued by MB Financial Bank , N.A . The day my direct deposit for {$1500.00} should have been posted, nothing posted to my XXXX card. I discovered I skipped a digit in the account number and submitted an incorrect account number to my employer. I contacted XXXX XXXX, XXXX and MB Financial. None of the XXXX organizations would provide information on my payroll check funds nor would they provide information on how to resolve this issue.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Online identity verification questions ask nonsense questions. Every year when I try to get my free credit report from XXXX, XXXX, and TransUnion, I 'm never able to get all XXXX reports. Every year at least XXXX of the XXXX asks, " In what state was your social security number issued? '' and it offers me multiple choice answers, including my state of residency, the state of Virginia, another state, and " none of the above. '' The entire question is nonsensical, because all any person can possibly know is in which state they applied for the social security number ; they can not possibly know in which state the social security number was eventually issued. This is particularly true in the case of anyone who has immigrated to America and has become a U.S. citizen, whose social security number was applied for from the national government and could have been issued, literally, from almost any state. This question is impossible to answer correctly. By asking this unanswerable question, the credit reporting agency has made it impossible to obtain my XXXX credit report online.
Consumer complaint received 2023-07-11
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NAVY FEDERAL CREDIT UNION (NE)

XXXX is mailing my collection notice to my workplace where are mails are filter in order to make sure it go to the correct personnel relating to work assignment. 
I have inform them of the situation but they still continue to mail my personal information to my workplace.
Consumer complaint received 2017-02-20
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MI)

I used my Macy 's credit card, issued by Department Stores National Bank, in-store for a purchase of about {$65.00}. I had moved since using the card last, and asked the cashier to confirm my address on file. She said my address on file was correct. I never received an invoice for this charge. Six months went by, and I never received an invoice by mail or email. The bank did have my correct email address on file. The only reason I realized I had an outstanding balance was because I checked my credit report. They charged me {$150.00} in late charges and interest fees and were unwilling to work with me on this. After calling, I found out the only way to dispute the charges was via mail or fax. I did that, and I just never heard back from them at all. I fully paid the {$150.00} to avoid further damage to my credit report. I found this bank to be very unprofessional, in their lack of contacting me. I am very disappointed to have had to pay such a large amount of late charges, and having a black mark on my credit report.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

there was no any suspicious activity on the account. All activity on the account were absolutely legal by CapitalOne 's credit card agreement. I demand CapitalOne provides concrete wording in their agreement where it states and proves that my account was in violation. In this case CapitalOne agreement was violated by the Bank itself and requires civil legal action that I will seek to bring on behalf of others affected. CapitalOne answer is broad and misleading.
Consumer complaint received 2017-03-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I went to apply for a home equity loan and they said I have a second mortgage lien, I searched the county records and found the following. I have no records or accounts with OneWestBank. I want to have the note reconveyed. 


Document Number : XXXX Document Type : XXXX TRUST DEED Recording Date : XX/XX/2010 Number of Pages : XXXX Grantor : XXXX XXXX XXXX XXXX XXXX XXXX : ONEWEST BK FSB Grantor/Grantee : XXXX XXXX Document Number : XXXX Document Type : XXXX TRUST DEED Recording Date : XX/XX/2010 Number of Pages : XXXX Grantor : INDYMAC BK FSB BY RECVR Grantee : ONEWEST BK FSB Grantor/Grantee : XXXX XXXX Document Number : XXXX Document Type : XXXX XXXX DEED Recording Date : XX/XX/2010 Number of Pages : 1 Grantor : INDYMAC FED BK FSB BY RECVR Grantee : ONEWEST BK FSB Grantor/Grantee : XXXX XXXX
Consumer complaint received 2016-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Platinum Holdings Group, LLC (VA)

On or about XXXX XXXX, 2016, XXXX XXXX of Premium Asset Services , LLC called my employer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, regarding a debt that I allegedly owe. Specifically, he told my employer that he would be taking additional steps, including filing a lawsuit against me. 

Additionally, XXXX XXXX called me on XXXX XXXX, 2016, and threatened to call my employer or " JAG '' and have my wages garnished if I did n't pay the debt.
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Credit determination — 
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I applied for a credit card as well as a mortgage loan and was turn down when at that time when I applied for a mortgage with a XXXX XXXX and I was turn down and now a simple credit card I was turn down all because I think of my race all because I 'm a XXXX man who work XXXX jobs and no criminal back ground and a honest paying tax payer so how in the XXXX I do n't get approve shaking my head on this matter ... ..I think I need to sue everyone that 's involved in this set back
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (FL)

In XXXX 2016 I received a letter from American Express ( Amex ) indicating that beginning XXXX XXXX, 2016 the APR % rate would rise to 14.49 % for purchases going forward. I called the XXXX number listed on the letter to ask whether the increase would be to the Fed Gov't raising the interest rates and I was advised yes and I also asked if I would be able to negotiate the APR % at that time and I was further advised yes. I thought no more of it until XX/XX/XXXX when I received my statement to indicate the increase in the APR % rate and again I called the XXXX number and spoke to XXXX women in XXXX who were XXXX very rude and was advised I should seek " credit counseling and I would not be able to negotiate the APR % rate at that time ''. I then wrote to Senator XXXX in XXXX indicating my story and my phone calls and asking for his help. I did in turn copy Amex as well as XXXX XXXX of the Fed Reserve in XXXX, XXXX Just today I had another conversation with XXXX a supervisor in the XXXX I.D . # XXXX indicating that he would not negotiate with me at this time. I then asked if in the future I would be able to negotiate the interest rate and he further advised " no ''. Disgusted yes, most definitely because earlier in the day I spoke to an XXXX again in XXXX ( I did not get an ID # ) and he indicated he would give me XX/XX/XXXX APR % of {$54.00} as a credit. XXXX indicated that there WERE NO NOTES ON THIS CONVERSATION I HAD WITH XXXX THIS AM.!!!!!!!
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (PA)

I have a regular mortgage that has a minimal payment of {$1000.00} per month. I had recently started to pay a portion of that to the Mortgage company bi-weekly. There is no early pay off penalty. So I would send {$600.00} every two weeks. Last week, they returned the check and said that I have to submit the minimal payment of {$1000.00} dollars and included the uncashed check. I am not sure why they would not accept a check in any denomination formy mortgage. The companies name is Franklin American Home Mortgage.
Consumer complaint received 2015-08-25
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I opened a credit card account with Capital One. I chose Venture card as it was the most attractive option for me. The most attractive feature of the card was the lack of foreign transaction fee because I 'm often overseas for work and other matters. 

When I applied everything went without a hitch, and I was approved instantly as I have an excellent credit rating. But when I tried to activate the card, the card was " frozen '' for fraud alert -- I 'm not sure why that was the case since nobody from Capital One bothered to tell me despite my numerous requests -- and Capital One asked for my ID, SSN card and some kind of statements, etc. to prove that I 'm who I am. I was advised that it 'd take XXXX business hours. 

It 's been more than three business days. Nobody has any answers for me. XXXX of the reps promised to call me with an update, but they never did. I presume they have the recording of our calls. Their online help on XXXX is also unhelpful. 

If Capital One was worried about my identity, it should 've asked me to submit all the documents, etc. when I applied, NOT after I already got the card. Furthermore, I detest the way the representatives from Capital One would n't tell me anything, treating me like I 'm a scammer, despite the fact that I had to verify my date of birth, SSN and other information provided at the time of application. According to them, scammers know a lot of information about their victims. If so, they did they accept my application and approve it? 

I 'm currently overseas right now. I was hoping to be able to use the card and take advantage of no foreign transaction fee, but apparently that 's not going to happen. 

I also was n't given any promise that their system is secure and that my ID and other documents provided to them to verify that I am who I am wo n't be stolen off their server.
Consumer complaint received 2015-08-26
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made a purchase in XXXX with Capitalone credit card who claims not to charge a foreign transaction fee. I make the purchase on Tuesday XXXX XXXX at app XXXX PDT. Capitalone texted me and asked me if I authorized a charge for {$1200.00} to XXXX for airplane tickets. I confirmed. And after checking foreign exchange rate at the time of purchase, I can agree to {$1200.00}. 
On my statement, Capitalone is charging me {$1200.00}. When I called last Friday ( XXXX XXXX ) to Capitalone to bring this up to their attention, they said that only {$1200.00} will be charged. When I called today ( XXXX XXXX ), they said that the charge came from XXXX, possibly for baggage charge. Such is obviously not true. 

Basically, Capitalone is not honest in the exchange rates for foreign transactions. In fact, they can charge any rate they wish. Consumer who are expecting to a particular amount on their credit card bill can be shocked to a much higher amount.
Consumer complaint received 2016-10-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

For the last month and a half I 've been dealing with the the following loan consultant from Wells Fargo in XXXX. She 's now missed my closing deadline, lost sensitive financial information that has been given to her numerous times, requested ridiculous information with out providing any explanation as to reason why? requesting multiple signatures on the same files and records that have been provided to her, that are redundant, requesting information that can not be produced, and truly unnecessary ... I can go on, an on, and provide back up to any of my claims as I 've kept records of the information she has missed, and the requests that so capricious to the point of being racist. Unsure as to where to go, and what to do for answers and help, i 've reached out to her manager, to the baking institution and nothing seems to make a difference ...! It might be to late for me now and I might end up loosing quite a bit on this transaction for my new home that should have been extremely simple. But wanted to share my frustration and bad luck, in case it helps others avoid this same experiencing with this individual from Wells Fargo ( with XXXX ID XXXX ) XXXX Sincerely,
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2016-04-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I have previously submitted a complaint and Wells fargo has done nothing to resolve it. Time and time again I try to ask questions of clarification about documents they need and they are either totally unresponsive or tell me they can only talk to my realtor. I have been dealing with this for six months now. I have had an offer on the home and I have been proactive and they are anything but. My SPOC will call me with an update that is basically, " there is no update. '' ALl they did with my last complaint was to send me proof that they gave me information about the short sale process. They did not do anything to indicate that they are actually trying to resolve the issue.
Consumer complaint received 2016-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ONLINE Information Services, Inc. (AR)

A bill was sent to collection. I was never notified of the bill or collection. They will not remove collection from credit report if paid. My wife and I filled for a mortgage loan with XXXX XXXX XX/XX/XXXX. We followed the credit analysts advice and paid XXXX credit card down. When my credit report came back from re-score there appeared a collection for {$62.00} and change. The collection was from an unpaid final electric bill from my apartment before I moved in with my now wife from XX/XX/XXXX. I never received a final bill nor notification of the debt from the electric company nor the collection agency. Not a phone call nor an email. No form of communication. I offered to pay the debt with out issue if they would send a deletion request to the credit bureaus. Not only was I told this was a violation of the fair credit reporting act I was lectured as if I was some unintelligent criminal and yelled at in very high volume twice by one of their supervisors by simply asking for the deletion. I was informed by my credit analyst that by them telling me that a deletion was against the fair credit reporting act was in fact a violation. I even called all XXXX credit bureaus. A deletion is totally legal and ethical. The collection agency has simply refused to delete the collection for absolutely no reason. I even informed XXXX supervisors including the XXXX that lectured and yelled and insulted me that this collection that I was never notified of in anyway shape or form was the only thing keeping me and my wife from our home. Their refusal to process my request which after my due diligence is totally legal and ethical and in fact happens every day has kept my wife and I from being able to purchase our home. The collection being removed would jump my score upwards of XXXX point well above where we would need to be. I again was never notified in anyway that there was a debt owed nor a collection and I was informed they had the collection since XX/XX/XXXX.
Consumer complaint received 2016-04-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

My name is XXXX. I took a FHA loan with XXXX XXXX and the co-signer is XXXX XXXX through Wells Fargo Bank. Around 2009 we had a financial hardship and started a short sale. Every 3 months Wells Fargo asks us to submit paperwork including tax forms, pay stubs and bank statements. Then they do nothing. We have had many buyers and still have a buyer now. The bank is very slow and does n't do anything with the paperwork. They wait until the 3 months is up then tells us it 's expired and asks for us to submit everything again. This has been going on for seven years. Every time we call them to check on the status all we are told is that it is in process. Now we received notice that a sheriff sale is scheduled. We postpone it twice already and will end up having to go to court to fight it. This is extremely frustrating. Wells Fargo is the worst bank I have ever dealt with. I continue to get calls from them trying to collect a debt and when I explain we are in the process of a short sale I am transferred several times and the outcome is always the same. I need help getting them to actually do their job. The sad part of this whole situation is the reason we fell short on the mortgage. I had to shut down my checking account for fraudulent activity. Because my account was frozen I mailed money orders to Wells Fargo for the mortgage payment. Money orders do n't exceed {$500.00}. so I had to send XXXX money orders. A few weeks later Wells Fargo sent the money orders back in the mail and charged a XXXX late fee. I contacted them and was told that a machine opens the letters and because I had more then XXXX money order in a envelope the machine could n't process it and they had to charge a late fee. We were living paycheck to paycheck and were unable to pay the late fee in full. So every month after Wells Fargo charged another late fee onto the mortgage. We could n't afford it. Eventually we stopped paying and started the process of a short sale. Please contact me if you need proof of documents of the short sale process.
Consumer complaint received 2016-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

Fair Collections & Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX The collection agency is aggressively attempting to collect a debt that does not exist for the amount of {$200.00}. I have submitted documentation that show that amount was paid in full on XXXX XXXX 2015 to XXXX XXXX XXXX XXXX .The collection agency continues to contacts me weekly, for the said amount and has recently reported the non existing debt to the credit reporting agencies. They have made no attempt to fix their mis communication and have become increasingly aggressive in their tactics
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NV)

An inaccurate Judgement is being reported on my Equifax credit report. The company made a mistake and requested that the entire trade line be removed from my credit report. It was requested on XXXX XXXX 2016. It is now XXXX XXXX and this judgement has not been removed from my credit report.
Consumer complaint received 2017-03-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AZ)

The servicer of my loan is unable to process payments and update my account as expected. This is a result of the company providing me with an escrow analysis that gives me 2 options when the account is in shortage. I can either pay the amount of 12 months or pay the shortage in full. I chose to pay the shortage in full. I provided payment well before the due date and the amounts applied to the account were incorrectly applied at first. The company resolved the issue and sent out an updated statement. In the following period, I received a statement that was incorrect, I subsequently found out that the statement was incorrect due to the subsequent period which is now current having the applied funds being incorrectly applied. 

In effect, period 65 stated options A and B. I chose B. Payment applied incorrectly, then corrected and new statement received. Period 66, incorrectly received statement for A, but payment was applied correctly for B. Period 67, incorrectly received statement for A, payment applied for A which is wrong. Future period 68, shows statement for A incorrectly. 

Mortgage Billing Statements Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong for period XXXX Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong, XXXX Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong, 67 Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Right, 66 Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong, 66 Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Prior updated payment, period XXXX I submitted the current payment from my account on XXXX/XXXX/XXXX that WFM received on XXXX for the XXXX due date. When reviewing my account status online, I expect it to show correctly. As of today, the amounts shown are incorrect and the dates applied are incorrect, " Last payment received on XXXX/XXXX/XXXX ". When I receive payment confirmation emails, I review my account. I received confirmation on XXXX that applied funds had been corrected but found that my payment had not been applied correctly. 

In summary, the servicer of my account is failing to provide accurate service. For a bank I find this alarming and would expect that the application of my payment be precise as well as the billing.