davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I have tried multiple times to have XXXX investigate this account as the information they are reporting is not accurate. I was denied a mortgage loan last week specifically because of XXXX reporting. 
In an update last week ( XXXX XXXX, XXXX ) XXXX reported on XXXX XXXX 's file to Equifax that we were late in XX/XX/XXXX. THE ACCOUNT WAS CLOSED IN XX/XX/XXXX so this is not possible. 
XXXX reporting XXXX Account number, incorrect high credit, and incorrect date of first delinquency. I have attached the original settlement statement that has an account number on it that does not match the account number of what is reporting. I have attached a settlement statement that shows that when we paid off the mortgage in XX/XX/XXXX we paid {$270.00}, XXXX and not {$230000.00}. I am also attaching an example of how the account reported inaccurately over the years and re-aged the account in order to extend the date of first delinquency. 
XXXX also did not respond to INVESTIGATION REQUEST : On XXXX XXXX, XXXX we certified a letter to XXXX through USPS and also faxed a letter requesting an investigation and requesting proof. ( see attached proof that shows the fax was received on XXXX XXXX and the certified letter on XXXX XXXX ) They acknowledged they received the request but did not provide any information. ( see attached ) I am a resident of Texas. According to Texas Finance Code, XXXX must provide information within 30 days. The deadline for XXXX to respond was XXXX XXXX, XXXX. 
By failing to respond to our investigation request within the allotted timeframe as is set forth by Texas Finance Code, XXXX has confirmed that the information they are reporting is inaccurate and they should immediately delete the trade line.
Consumer complaint received 2016-07-26
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CNG FINANCIAL CORPORATION (TX)

I received a payday loan from Check and Go and had an emergency and had to pay the fees and asked to borrow more money. XXXX times I spoke to a representative they told me that I could make payments at any time, not just on the next pay-day. I asked this question specifically, and they told me yes, I could make payments before the due date. When I attempted to do this, I was told I could not do it. Each time that the finance fees were charged, the loan just exponentially got bigger and bigger. I feel like they took advantage of me when I was down and now they are calling from a company called XXXX and telling me I am going to be sued. I told them that I would have to make payments and asked a few questions and the representative from the claims department started yelling at me. They are going to serve me with papers and take me to court and they told me that I did n't have to be there and that they would get a judgment against me for over {$3000.00} and garnish my wages. The loan was for XXXX, but now it is approximately {$1700.00}. I do n't think this is fair and I think that they lie to applicants. Please help m e.
Consumer complaint received 2016-07-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (VA)

In XXXX XXXX ; I purchased a XXXX Ford Edge from XXXX XXXX in XXXX XXXX XXXX. After about 1 month of jumping thru hoops, of needing more documentation. etc. The loan was picked up by Westlake Financial Customer Care XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX - ( XXXX ) XXXX. The loan payments were to be made starting in XXXX XXXX, at XX/XX/XXXX, I received an adverse action letter stating they were not extending credit due to a timeline in getting the documents back to them. I called and after 3-4 days, it was finally confirmed that the loan was ok, and that I need to make the payment. I arranged this payment over the phone at that time. Due to the agent transposing the routing number, the payment was returned. I immediately called, confirmed with them the routing # was incorrect, and made another payment., resolving the issue. Since that time, I had made payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then XX/XX/XXXX, the payment was due again, I go online to pay the loan, and see there is a payment in full stamp on the loan. It was after hours, and I was going to call the next morning. That night, the dealership sent out a tow truck to pick up my vehicle. The driver stated the loan did not go thru, and that it was a first payment default, stating MY down payment of {$5600.00} AND monthly payments for 6 months ( {$620.00} ) totaling {$3400.00}, additionally I had to repair a gas line ( {$50.00} ) Did my self so no receipt ; then {$100.00} for an oil sensor and {$470.00} for an alternator for another {$620.00}. This was NOT a first payment default, and if it were, how did it take you 6 months to determine this? IT WASN '' T, not only did they get my first payment, they took 5 more! I have attempted to contact the dealership, and for a week now, they just keep telling me they are trying to work on it, and are now refusing to return my calls. I am out {$9600.00}, plus the cost of having to rent a rental car for transportation while they " figure it out ''.
Consumer complaint received 2016-07-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY ()

wells fargo bank are lieing cheeting XXXX, XXXX XXXX in cahoots with judge XXXX XXXX county court, XXXX florida, usa court reporter got paid of and dissapeerd, no file? 5 year case over in 4 mins max, judge would not look at proof paymants XXXX form of proof acount in credit also co signed insurance check held by bank, my solicitor at the start of this case faxed and telephoned wells fargo cheat XXXX ceo, that there were no missed paymants and sent the proof to the court? Why has the CFPB not looked in to the court case were it is clear proof that all paymants were made and cashed by wells fargo bank this bank has been fined for fraud and falsifying documants crooks? CFPB why have you not looked into the court papers i have all the originals in paper form no matter how long it takes i will prove that wells fargo bank have committed fraud and perjury in a usa supreme court and that is for comittal for XXXX ceo [ crook ] and judge XXXX magistrate XXXX [ crook ] i have just recieved a pack of all doctered paperwork from wells fargo, they have not answered any of my numerouse question by saying, We are unable to provideany information because my questions were to broad? this is a deliberate act to cover up a act of fraud and perjury committed byXXXX XXXX ceo, i demand that the CFPB and FBI investigate this crook, he will be prosecuted in court it will come the letter pack recieved to my XXXX home dated XXXX XXXX 2016 this is XX/XX/XXXX cfpb complaint case against wells fargo bank in vestigate XXXX XXXX ceo, then you will find out what a crook you are dealing with in the mortgage world, you will never be able to move on untill this man has been prosecuted in XXXX supreme court and any body else whom helped him recieve his fat salary check .i demand him to be brougth to justice, this man has ruined XXXX familys lives in the usa i will not stop reporting this crooked bank thanks XXXX
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

I have contacted Citi mortgage to try to find out about my ability to request PMI cancellation and what it would take to accomplish this. The service rep has misinformed me and asked me to sign and return a document authorizing the appraisal of the property. In was assured that thebactuall appraisal will not be done if I disqualify under any other scenario for the PMI to be removed. Instead in was charged for the appraisal and was sent a letter statimg that in do n't qualify. I have reached out few more times to xleqrify why ibwas charged and was misinformed on multiple occasions regarding additional principal payment in would have to make to initiate the vancelation. after multiple attempts I brought down the LTV tobbelow thenfederaly mandated 78 % and yet citimortgage is still refusing to cancel the pmi. 

Please assist with my issue. 

XXXX XXXX XXXX
Consumer complaint received 2016-04-15
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

I bought XXXX visa gift cards, and they were both clearly tampered with. The glue holding them to the packaging was so stiff it could n't be removed, the magnetic stripe was deactivated, and the funds had been frozen and the card was totally unusable.
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

Below is my latest letter in regards to their BLATANT DUAL TRACKING AND PROOF XXXX/XXXX/16 XXXX XXXX and XXXX XXXX On XXXX/XXXX/16 I faxed and overnighted my appeal on loan modification with proof that I never was given a true modification from XXXX and had tried for months to get them change to a correct date for acceptance but they did not so I proved I never accepted or denied a loan modification from them because you can not accept or deny one that is not valid when they send it. This is called fraud and why XXXX is under fire for not handling loans correctly and falsifying documents. Also my income proved I could make payments. So I sent the appeal to you and requested a new packet. I did not receive anything back from XXXX or XXXX regarding the appeal letter or new modification. I requested multiple meetings with my SPOC and have yet to hear from him. I did not even get a message back for 2 months after I wrote this. PER CHBOR you can not file a NOD while looking at appeal nor can you after I requested a new mod packet but you did on XXXX/XXXX/16. With a different amount than the statement XXXX sent me. I have now forwarded all of this to the attorneys at XXXX XXXX. I have also sent to California AG and CFPB. I will fight this the entire way. I have asked for repayment plan and 6 to 9 month workout with nothing back from BSI FINANCIAL. With your illegal practices and violations there is a group of homeowners that we are all keeping track of every single violation and I have saved every voicemail and paper I sent. The Tracking # with all of this information is XXXX was signed for at XXXX on XXXX/XXXX/16 so you can not deny receiving appeal and asking for more documentation. So BSI FINANCIAL Sent a loan Modification Denial on XXXX/XXXX/16. I received on XXXX/XXXX/16. BSI FINANCIAL received my Loan Modification APPEAL on XXXX/XXXX/16 which was 28 days after and I had 30 days to send which the tracking # proves. I then also requested a new packet as XXXX told me. I never received anything. Also the NOD was filed on XXXX/XXXX/16 which you are not allowed to do til 15 days after I receive status on the appeal and I have the opportunity as I requested a new loan modification paperwork. THE NOD will need to be rescinded immediately. Since I have been keeping track of everything I am prepared to take this to court for illegal practices. Since BSI FINANCIAL is denying working with me and trying to steal a home which I will not move out of. Nor have you offered to work with me on a payment plan or reinstatement and MY SPOC has refused to schedule a meeting with me. I have to do all I need to do to protect myself and I am not putting up with the bullying and harassment and elder abuse from BSI Financial. 
You have 7 days to rectify the situation in writing.
Consumer complaint received 2016-04-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (AZ)

TCF Back returned XXXX items on XXXX/XXXX/16 even though the money was in the account. Their reasoning for returning the XXXX items that total {$89.00} was because I had a pending item that as of today XXXX/XXXX/16 still has not posted. They charged me {$140.00} in overdraft fees even though my account balance was NOT negative. Their reasoning was they authorized the payment at XXXXCST on XXXX/XXXX/16 so since the charge was authorized, it MIGHT overdraw my account. Out XXXX check was deposited on XXXX/XXXX/16. Even though the bank was closed and the cut off time for my XXXX payment had passed and was not going to post. So in essence I was charged XXXX % more than my actual items. TCF Bank is raping their customers with this unfair practice. A pending item may or may not post, it could have been cancelled, it could be a temporary hold. You can not return items on speculation. I contacted TCF customer service and they were rude. They would only refund {$50.00} so I am still out {$98.00},. This unfair business practice can not be legal.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (TX)

My home loan was transferred in the XXXX to Seterus Inc . I paid an amount of {$670.00} monthly for my mortgage. Without any prior notification or proper explanation my payments increased to {$1100.00} in the XXXX. They then sent me a notice claiming I owed an excess of {$6000.00} on my escrow account. I have been disputing their claims since XXXX of XXXX. I 've called them repeatedly since that time. A customer service person eventually told me it was a combination of flood insurance for XXXX and XXXX, that was the reason my escrow was negative. I do not nor have I ever acquired flood insurance through my lender. When I was informed of this I sent my flood declarations for XXXX & XXXX. During this time I did pay my mortgage with the excessive fees. They did credit my account back for {$3100.00}, however they did n't refund the money owed from the payment I did make with the excess fees. My mortgage payment then became {$710.00}, I still have no idea why it is n't {$670.00} that I previously paid. During the month of XXXX without any explanation they increased my mortgage to {$780.00} and now it 's at {$840.00}. When I called on XXXX XXXX and inquired about the increases, their customer service person stated that I still owed for an escrow balance from XXXX. I then informed him, that I did not owe and I had sent in my proper documentation to confirm this. Upon further research he stated that, I did not owe Seterus because I pay my flood insurance and home insurance myself not through the lender ; and my payments should be reduced to {$710.00}. The reduction in my payments still have not taken place.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

This loan has been going through a tortuous modification process with Wells Fargo/ASC for years ... .at least since XX/XX/XXXX. There have been a plethora of document requests which have been complied with. After years of document requests, borrower received a variety of reason to deny modifications ... ..too much income, not enough income, modification application pages not initialed,??? single family property, on and on and on. Borrower appeals with specific request for certain verification and validation and servicer responds, but sadly the response is not on point, rather more mumbo jumbo. Most recently, borrower asked for explanation as to how borrower 's income was calculated. The response was .... '' thank you for your request for short sale. '' After inquiry from borrower, Wells Fargo/ACS indicated they had mistook a bridge loan contract ( part of hardship ) for a short sale contract????? To date, they have never given the verification/validation or explanations requested by the borrower in his appeal or any calculations supporting denial. Rather, the property is scheduled for sheriff sale, XXXX XXXX, XXXX.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally request the immediate blocking and deletion of the following accounts due to my being a victim of a recent data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX - XXXX - XX/XX/year> - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/year> - {$00.00} Thank you for your immediate attention to this matter.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2016-07-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (NJ)

On XXXX XXXX, 2016 I received an alert from XXXX stating that a new collection account was added to all XXXX of my credit bureau credit reports. I saw the name of the collection agency and I never received anything from stating that they were collecting anything. And also they are collecting for XXXX and I never had XXXX. If they would have communicated with me I would have been able to dispute the collection and send them the police reports and FTC affidavit. I have been victim of identity theft and this is another account that is part of it. I have attached my police report and FTC affidavit which includes Convergent Outsourcing
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX, the Creditor cant produce the original contract WITH MY SIGNATURE, has not supplied insurance claim, payment history, proof that debt belongs to me. They sold my personal information to a collection agency without my approval or consent. IDENTITY THEFT. 
I do not recognize how this account is reporting on my credit report. I dont recognize the account number, account status, or charge-off. Everything being reported DOES NOT MEET THE FCRA Laws. 15 USC 1692 ( g ), validation of debts.

It has been more than 30days, so they are NOT IN COMPLIANCE. According to FCRA laws, this account must be removed/deleted. 

Please delete this account from my credit report.
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (VA)

I used my American Express card to book a hotel using the XXXX travel site. 
Immediately after booking found out it was the wrong hotel. I immediately contacted XXXX. They came back a little later and said the hotel was not answering their phones. XXXX refused to refund the over {$200.00} charge for a hotel room that I did not use. American Express apparently is siding with XXXX. I will never use XXXX again.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (UT)

Equifax is reporting CO in the current month of several closed accounts which is totally incorrect because these accounts are closed years ago. 
XXXX XXXX XXXX XXXX XXXX -- This account is closed 5 years ago but Equifax is reporting CO in the current month. They were reporting CO int he month of XXXX and in now they are reporting CO in the month of XXXX 2016. 
XXXX XXXX XXXX -- This is a closed and paid account but only Equifax is reporting it as open account and also reporting it with balance. Equifax is also keep on reporting CO every month on this closed account. 
XXXX XXXX XXXX XXXX -- This account is closed 5 years ago but Equifax is reporting CO in the current month. They were reporting CO int he month of XXXX and in now they are reporting CO in the month of XXXX 2016. 
XXXX XXXX XXXX XXXX XXXX -- This account is closed 5 years ago but Equifax is reporting CO in the current month. 

I have disputed this with Equifax and sent them many letters but they keep on ignoring these issue and continue to report these CO every month on the closed account and it is decreasing my credit scores terribly. 
I am attaching the screenshots of these
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2016-07-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EXPERT GLOBAL SOLUTIONS, INC. ()

Hi I live in XXXX, XXXX. 
I am being called often at work by debt collectors from the XXXX. I never lived there and do not have any debt. 
I repeatedly told them that I am not the person they are looking for but they keep calling again. 
They ask me personal questions such as my date of birth and social insurance number ( they are too stupid to understand I do n't have one in the XXXX ). 
They also contacted the human resources of my company to try to get some information on me. Thankfully they declined. 

Last call came from Expert Global Solutions XXXX. 

How do I make this stop?
Consumer complaint received 2016-07-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One Bank, despite several attempts by myself to formally place a change of address with them, has continued to issue new bank cards via mail to an old address no longer my place of residence. Despite my personally appearing at my local branch to change my address noted on my personal account, Capital One Bank recently sent via mail a new chip card for my personal checking account. My local branch manager states that this error is due to Capital One Bank card processing department. Either way, Capital One card processing and Capital One has jeopardized my personal financial identity security by releasing a new bank card to a residence I longer reside at. Their incompetence to update their data base with my new current address, which has been updated on the actual account has put me at risk for identity theft.