davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-01
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Acceptance Solutions Group, INC (OH)

I called and spoke to XXXX on XXXX/XXXX/2016 about a payment that was due on the XXXX of XXXX. I noticed they had not taken said payment and there for took it on the XXXX of XXXX One payment was said to be taken out on the XXXX and the other on the XXXX of XXXX they both have cleared my account but only one is showing. Today is XXXX/XXXX/2016 and I see that two payments have come out for {$200.00} which was not talked about even though they state they did if I had of known this I would not have agreed to it because I know that I would have not been able to handle those payments. Now they have had three payments for the month of XXXX but they are not showing on my account when I look online. I see talking to them I am talking in circles and they are not making sense on this matter. Also I ca n't understand why or how they can go in my account on off set days to pay back my loan but ca n't go in on the due date. Then when they mess up I have to pay for it. My pay day loan should be done being paid for on XXXX/XXXX/2016 XXXX stated today that it has been extended until another month XXXX/XXXX/2016. But how can that be if my account is current and caught up. They have received XXXX payments for {$200.00}. But my account is pushed back an extra month. And again this is not showing with my online account. I took out the loan I did but I do not like being taken advantage of. The fact that I am getting different answers from different people or being put on hold while they figure out how they messed up. Makes me so frustrated. Both charges I received an over draft fee. I also stated this to them on the XXXX. No one I mean no one said that I was going to be charged and extra XXXX before the end of the month was out so I have to over draft fees of {$34.00} for each. I really need help understanding what is going on and why they are able to do this. I even looked over my contract and no where does it state that they can do this.
Consumer complaint received 2016-12-01
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

XXXX - Option One Mortgage loan paid in full. XXXX - Option One Mortgage recorded Full Reconveyance in the XXXX XXXX County Recorders Office. XXXX - Homeward Residential attempted to foreclose on my property using fraud. XXXX - Ocwen Loan Servicing filed lawsuit in the XXXX XXXX County Superior Court. XXXX - Deposition was taken, where Ocwen Loan Servicing attorney XXXX XXXX agreed to have my former forensic FBI agent travel to XXXX XXXX county to authenticate the documents in his possession, upon arrival my FBI expert was denied access to the records. XXXX during pending litigation, XXXX attorneys agreed my loan was paid in full based on the evidence they had in there possession and directed attorney XXXX XXXX to dismiss the pending action. XXXX - XXXX recorded Full Reconveyance in the XXXX XXXX County Recorders Office. XXXX - Ocwen Loan Servicing and XXXX attorney XXXX XXXX ( Who is now working with the XXXX XXXX XXXX, Who needs to be investigated by the California State Bar and the DOJ ) Attorney XXXX XXXX started making threats to take my house calling me names at the same time rescinded XXXX XXXX XXXX. XXXX XXXX started couching, whispering in his clients ears during depositions, and directing his clients and its fraudulent witnesses during trial how to lie under oath make up false fronts so its client would be awarded fraudulent Judgment to wrongfully foreclose on my home. Ocwen Loan servicing and its lawyers used fraud upon the court to seek judgment during the time I was hospitalized for months. I have medical records to prove it. XXXX - I had a life threatening illness that landed me hospitalized for several months, I was forced to file Bankruptcy because I had no ability to fight Ocwen criminals and its fraudulent attorneys because they have drained my savings account, over {$100000.00} in attorney fees, and other fees during my health troubles. XXXX - XXXX I filed multiple police reports, multiple DOJ, DBO and CFPB complaints. XXXX - I filed lawsuit, Ocwen made offer of {$660000.00} 2 % interest if I agree to dismiss action. I declined. I dismissed the court action so I could search for other attorney. XXXX XXXX, forensic loan auditors prepared report and findings which identified mortgage servicing fraud. XXXX - I filed another lawsuit, Ocwen Loan Servicing made several attempts to foreclosure on my property using fraud, just days before the trustee sale Ocwen made another offer of {$770000.00} 3.43 % none negotiable loan modification or they would proceed trustee sale in just days, leaving me no choice other then to sign the settlement agreement under duress to avoid fraudulent foreclosure. Ocwen Loan Servicing litigation department lawyers have been directing outside counsel XXXX to lie make up false claims to protect his clients. I demand the CFPB to involve the FBI, DOJ, California State Bar and other sources to investigate my matter.
Consumer complaint received 2016-12-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc. (OR)

Constant robo calls during the day, starting at XXXX on the dot. Never a live human being. They call you to put you on hold for long periods of time during work hours. Last time I waited 45 minutes. They leave messages on my voicemail about debts when they have no idea what number it is or who it is ( since I have never been able to talk to someone ). I have never successfully connected with this company and getting tired of dealing with it, and have never been contacted by anything other then a robot.
Consumer complaint received 2016-12-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

This started in 2008, I had to close my XXXX due to the economy, I tried to get a modification on my own ended up having to hire a firm to get me a modification, supposedly they got it then after 2 years of making the modified payment I was contacted and told they were foreclosing on our home.The long and short of it I was told the servicer approved but the lender did not. I have a loan that is a Mortgage backed security serviced by Wells Fargo, the investor is XXXX.I have requested modifications on my Mortgage, because this loan is not affordable it is almost XXXX per month, it is not owned by XXXX or XXXX so I can not get into a HAMP. program. What about us 27 % of Americans that have loans that where sold off into these ridiculous type of loans that is not owned by XXXX or XXXX that has done everything possible to stay in our homes that are severely upside down? I have been forced into bankruptcy 2 times trying to save my home. Not only has it ruined my credit but makes me less qualified to get a new loan. The loan is not being reported to the credit agency because I was told the loan was not reaffirmed and that had to be done at the end of the bankruptcy, this was never told to me by my attorney and you can not go back and do this? I just do not understand why I can not get the help that everyone that had a XXXX or XXXX loan was able to get. I feel the discrimination. Why can there be no bail out or even reducing the rates on the upside down property. I am told I should walk away from my home, but it is my home. The bank will be hurt by this badly but they would prefer to take the loss then help a home owner keep there home, is there any sense in this? Had I not lived here 25 years then maybe it would make sense to walk away.
Consumer complaint received 2016-12-01
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc. (VA)

This company - American Financial Resources- is a repeat violater of the " Periodic Statement Rule '' of the " Dodd-Frank Wall Street Reform and Consumer Protection Act ''. " The Consumer Financial Protection Bureau ( CFPB ) implements these rules. Under the periodic statement rule, your mortgage creditor or servicer must provide you with a mortgage statement each billing cycle ( usually monthly ) that meets certain timing and content requirements. In most cases, the statement must be sent within four days after the end of the courtesy period of the previous billing cycle. A " courtesy period '' is the time period between the date the payment is due and the date the late charge kicks in. '' In my case the grace period is the XXXX of each month, after which late payments kick in. So, that makes the latest that AFR is supposed to have my eStatement available online as no later than the XXXX of each month. They have, on four occasions since XXXX XXXX, 2016 failed to provide me with my eStatement by the time period required by law. I have had to email them about this each time and they are always late in getting the eStatement to me. The last eStatement that is available to me is for XXXX XXXX, 2016. At this time they still do not have my XXXX eStatement available for me to download - and today is XXXX XXXX, 2016.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

To whom it may concern ; As of yesterday ( XXXX XXXX & today XXXX XXXX, XXXX ), I was notified via my Experian credit monitoring that ( XXXX ) inquiries were pulled against my credit report. The following are the companies that pulled them ; XXXX - XXXX XXXX, XXXX - XXXX XXXX - XXXX XXXX, XXXX - XXXX ( Credit card ) First off, I have called and spoken with both vendor 's concerning these inquiries. With regard to XXXX, I spoke with ( 3 ) different people in different departments and the common theme of all of them was that they do not see that an inquiry was pulled. They did confirm that a soft inquiry was pulled yesterday XXXX XXXX, but stated they were " positive '' that a hard inquiry was not requested. This is obviously a fraudulent inquiry to which I want disputed as such. 

With regard to XXXX, they stated that they can not remove the inquiry because it was initiated online. I was told by their department that if it was done over the phone versus online, that they could have removed it accordingly. This of course makes no sense to me. I would in turn like to dispute this as a fraudulent inquiry as well. 

To say that I have had a lot of difficulties with XXXX over the past month is an understatement to the degree that as of this morning I also filed a CFPB complaint against them for the number of inquiries and the apparent fraudulent activity on my account. 

Please feel free to contact me with any questions or concerns or if there is anything that I can do to better help expedite my request. I can be reached at XXXX absolutely anytime. 

regards, XXXX XXXX XXXX Credit file # : XXXX DOB : XXXX/XXXX/XXXX
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On my recent trip overseas I purchased a large appliance at an XXXX XXXX. Since I did not received the merchandise by the delivery date set forth by that store, I proceed it to e-mail them to cancel the order and requested a refund to my credit card charge. That XXXX did not replied to my e-mail nor answered my repeated calls. 

Immediately after, I called my Credit Card issuer a notify them about the issue and, within few days they reversed the charge. XXXX weeks later, they reapplied the charge stating that the XXXX in question produced a signed receipt of me. 

I requested from the Credit Card issuer an email documentation because I am still overseas and, therefore, do not have access to the document 's hard copies that they have mailed me. They refused to do so. 

However, I emailed the Credit Card issuer the chat transcripts and email documentation with the XXXX where it is outlined my several request to have the merchandise delivered and my final requested e-mail canceling the purchase. In addition, I submitted my XXXX Passport for signature comparison purposes. 

I am concern as to what my future options are, should the Credit Card issuer fails to recognized that I had been duped and does not remove that fraudulent charge form my account. 

For whatever is worth, I am holding an excellent credit rating for about XXXX years.
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had a credit card with this company for over 2 years, proven to be an excellent consumer, never been late with a payment, paid off the credit card balance more than twice. The company continues to charge me absorbent usury fees, monthly and annually and they have not given me the best interest rate available. Often the minimum payment I make is put right back onto the account in interest not reducing the balance. 
I opened this account with the company aware that I am on a fixed income, reporting an annual income of less than {$XXXX}, and that I am not employed. I had a credit card increase more than once, and I have been responsible. 
I am an American with XXXX, and I realize that I am being taken advantage of because of my condition. I especially, have been mentally challenged as being on a limited income. I have asked the company to close my account, however, I have been told it is better to keep the account open until it is paid off, which is tempting, because then I will use the card because inevitably I will need something before months end. 

What I hope to happen : Given the fact that I have been an exemplary consumer, and proven my creditworthiness, and the company has deliberately and willfully used unethical business practices in extending credit, through usury practices. I want this credit card debt to be settled by the company and in good standing on my credit report.
Consumer complaint received 2016-12-01
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (MN)

This is regarding a Line of Credit with Wells Fargo Bank. My name was added to a XXXX line without my permission. I have contacted Wells Fargo regarding this and they are not able to provide any type of verification that I ever signed documents or applied for this line of credit. My husband had applied for a LOC, however I did not want additional debt to me added to my ability to pay. This is causing my credit score to be impacted.
Consumer complaint received 2016-06-29
Product: Payday loan — 
Issue: Can't contact lender — 
Company: American Credit Resolution, Incorporated (CA)

Between XXXX and XXXX I received three calls from an unavailable number ( one call being before XXXX ). He stated his name was XXXX XXXX, a legal courier. He did not mention the name of his office, but stated he would be serving me papers either at my residence or place of business on XXXX. I was advised to call XXXX re : claim # XXXX. 

When I called the number I was told that because of an outstanding payday loan to XXXX I was to be charged with " bank fraud ''. But the attorney would be willing to settle my case for XXXX split into 2 payments. 

I was nervous and not yet done my due diligence so I provided a debit card and sent the approval forms. However after doing so I realized that this was not legal nor did it make sense. I took out a payday loan w/ XXXX, but thought it was repaid. And have received zero communication. Plus the loan amount was {$250.00} with a fee of {$45.00}. 

I called back and left numerous messages that they a ) needed to provide details to the account and b ) could not take the money from me and c ) if they did I would dispute to my bank. Additionally I emailed regarding the same. The three times I called were during their noted business hours and my call was redirected into an unknown voicemail each time. 

I will be disputing the charges to my bank today as they did withdraw the money.
Consumer complaint received 2016-06-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (FL)

I sent a letter to collection/creditor to verify debt and never received a response. I sent my letter on XXXX XXXX and gave the allowed time by law to verify and send documents. I have proof that I sent at XXXX on XXXX XXXX and no response was given after I mailed request.This company is also reporting on my credit bureaus for the same debt as XXXX XXXX XXXX. So I have duplicate debt showing on credit file.
Consumer complaint received 2016-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CONTRACT CALLERS INC (NC)

I just discovered that a collection agency started reporting an {$82.00} collection account on my credit report that I do not owe. Prior to this account appearing on my credit report, I was never contacted by phone, mail, or otherwise ; and given an opportunity contest the charges.
Consumer complaint received 2016-12-01
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ORG GC GP BUYER, LLC (FL)

A representative of G C Services contacted me, on my cell while I was at work, and stated that I was listed a reference and asked for the contact information for another person. I asked what it is was in reference to and she said she could not tell me. I then asked the name of the company, which she gave, and asked what type of company it was. She said that she could n't tell me. I then asked for their company 's web address and she provided me with an incorrect website. When I told her that was n't the correct website she provide me with a different website. At first I offered to pass along their number to my friend, but then told her that I would not pass along the message because she could n't tell me what I was listed as a reference on. She told me she could n't tell me or even what type of a company they were, but that I could look it up. I did exactly that out found out that they are a collection agency. I told her that she was using very deceptive calling practices when she implied that she was calling about a reference. I told her that they were a collection agency and that I was not authorized to give out any personal or work information. She then asked if I could pass her number along and ask my friend to contact her, which I again refused. I asked her to remove me from her calling list and to not contact me again.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I was the personal representative for my brother 's estate. As part of my duties, I contacted the three major credit bureaus notifying them of his death, plus requesting that a notice of death be added to his file, and a copy of his credit report be sent to me for the estate records. To each I submitted a detailed letter via certified mail containing my request, plus enclosed emboss stamped originals of both his death certificate and the Letters Testamentary from the courts naming me as PR. 

XXXX returned a copy of his credit report to me with a death notice included in his file. Excellent. XXXX returned a copy of his credit report to me, but with no death notice added to his file. OK. TransUnion , however, simply returned a form letter notifying me that a death certificate and court papers were required -- both of which I provided. No copy of his credit report, and no death notice. Boo. 

I 'd like TransUnion to provide a copy of his credit report for the estate files with a death notice added to the report. ( And it would be nice if XXXX added a death notice ... )
Consumer complaint received 2016-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Mutual Management Services LLC (TN)

I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (DC)

The credit reporting company Equifax is reporting a lien on my credit report. The lien however is not mine. Court records show that the lien belongs to another person with an entirely different name. Equifax 's false report is causing me major distress, emotional difficulties, and financial hardship.
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (WI)

I purchased furniture from XXXX, they issued a credit card through XXXX. I contacted XXXX multiple times to have them come repair the furniture ( I purchased the warranty ). They refused. They then closed my account ( charge off ) XX/XX/XXXX. ( XXXX  ). I was then taken to civil court for the amount owed by XXXX ( XXXX XXXX XXXX XXXX XXXX ) in XXXX. Agreed to a garnishment in XXXX XXXX paid. Now XXXX is still on my credit report as a charge off. But had incorrect dates all together & when I disputed through XXXX, they left it on my credit report and changed the dates. How can I owe this debt to XXXXXXXX XXXX to XXXX, be sued from XXXX, have my wages garnished & still owe the full amount to XXXX?