davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-24
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Solutions To Portfolios, LLC (CA)

I have received XXXX phone calls on my cell phone, all threatening to take me to court and garnish my wages. My relatives have received XXXX phone calls at their home stating that I am legally in trouble. My employer has received XXXX phone calls on his desk phone stating I am involved in a complaint and am legally liable if I do not call back. All of these phone calls have happened in a matter of XXXX business days. All phone calls have been from a XXXX XXXX, I have spoken to her XXXX time, in this conversation I asked her to send me documentation to verify that I owe this debt and XXXX XXXX 's response was that she would send me a letter after I paid the debt. I asked for their mailing address and she hung up on me. After this phone call XXXX XXXX started calling my relatives and employer, I also received a call from XXXX XXXX stating that I have a complaint filed against me, they seem to be from a company called STP Management. Further investigation on my part shows that their phone numbers XXXX and XXXX are associated with fraudulent shakedowns and illegal debt collecting practices. STP Management is listed as an F ranking on the XXXX and is currently being investigated by them.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I have sent XXXX, Equifax, and XXXX letters by mail demanding for deletion of inaccurate information on my consumer reports. I have also sent these companies FTC reports as well because I am a victim of identity theft and furthermore this is not my first complaint about this type of situation more like the XXXX time this year. when asked for removal accompanied by the law that would back the removal of unauthorized information, the companies would send a debt validation notice then go on to say that removal would not be indited causing great stress and suffering on my behalf. these companies keep negative information on consumers reports delaying efforts to report accurately when suggested. sounds like identity theft to me. Then when a complaint is made they never fix everything only some things are fixed but not all of them. I have filed more than XXXX complaints for these companies to fix the information that was inaccurate and they still have not! Sueing them would be the best option!
Consumer complaint received 2016-02-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

Here 's another complaint about Wells Fargo placing unfair and deceptive holds on my deposits. I deposited another check for {$500.00} at the ATM and there was NO MENTION of a hold at all. Then the next day, WF places a hold on the check without informing me ... Again, to basically try and scam me on overdraft fees. Now here 's the kicker ... they send me a letter in the mail saying " if you were not informed of the hold at the time of deposit, we will waive overdraft fees if you contact us. '' So basically they are saying they will scam you for Overdraft fees and unless you happen to be proactive and call them, they will steal your money. THIS IS CLEARLY AN UNFAIR AND ABUSIVE PRACTICE. I am disgusted and the CFPB needs to sue WF over the abusive deposit holds. Why should I have to call to get fees reversed? What if I never received the letter and never even knew? WF needs to reverse these fees without consumer action being taken. Very disturbing behavior again from WF. Also, they refuse to tell me why they are even placing the check holds to begin with. Unacceptable.
Consumer complaint received 2015-11-06
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Heavner, Beyers & Mihlar LLC (IL)

I was issued an writ garnishment that indicated the wrong principal amount. Per the documents I have received from XXXX dated XXXX/XXXX/2015 stated I owe XXXX, from a sale of the collateral that i voluntarily surrender. According to the paperwork I had an initial balance of XXXX they sold the vehicle for a XXXX, I was charged XXXX for storage in which the vehicle sat in a public strip mall up until the sale date. I do n't feel that is a legitimate charge. I then received a wage deduction notice stating the principle balance is XXXX. This appears to be fraud to get more money than owed. not to mention
Consumer complaint received 2015-11-10
Product: Credit card — 
Issue: Billing statement — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Citizens Bank credit card statement shows the balance as of the day before but not actually the amount due. It does show the credit limit and the amount of credit available but not the amount due on the due date. 
The consumer feels compelled to pay the current balance shown. The charges shown are not the ones falling into the billing period. 
A few months ago I spent significant time trying to find the amount actually due and finally did but this period it is impossible.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : Creditor Name Account Number Balance Opening Date Status Trans Union XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 30 days late ( 1 ), 60 days late ( 1 ), 90 days late ( 1 ) 30 days late ( 1 ), 60 days late ( 1 ), 90 days late ( 1 ), 120 days late ( 1 ) 30 days late ( 1 ), 60 days late ( 1 ), 90 days late ( 1 ) INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX TransUnion, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX TransUnion, XXXX - XX/XX/XXXX XXXX 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXXOffice of Consumer ResponseConsumer Financial Protection BureauConsumerfinance.gov ( XXXX ) XXXX ( XXXXREFERENCE : Select Portfolio ServicingXXXX XXXX XXXX XXXX, XXXX XXXX Number : XXXXAccount Number : XXXXDear XXXX XXXX : Selected Portfolio Services is my mortgage servicer. I have entered dialogue with this servicer due to the following : In 2015 I received approximately {$5000.00} in funds that had been held back in error when my loan was transferred from XXXX XXXX XXXX to Select Portfolio Services. 
During this period SPS reported late payments and other derogatory information to the credit agencies. This has damage my credit and made it impossible to receive mortgage financing. I am requesting compensation. 

SPS escrows my taxes. SPS failed to calculate the taxes required and did not make a tax payment on time. This causes the local county to place a tax lien on my property. 
This contributed to my poor credit rating and credit distress. 

My original mortgage was with XXXX. I was living overseas at the time : This mortgage had undisclosed PMI insurance. 
The mortgage was uneconomic in that the annual mortgage P & I is less than the property taxes. This was not disclosed. 

SPS modification was simply fraud : The modification decreased the monthly P & I from the original {$2700.00} to $ XXXXThis modification on a payment basis is insignificant and does not provide relief. 
I like for this mortgage to be exclude for in favorable HAMP reporting and financial benefits. 

I have had the house on the market over the past modification. The P & I to Property Tax ratio push buyers away. I will need a principle reduction to {$750000.00} to make the home attractive to buyers and fair to me. 

SPS has placed PMI insurance of my HAMP loan which was undisclosed to me. 

Please help. I am XXXX now and would like to remedy this due to XXXX. 


Sincerely, XXXX XXXX, XXXX
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NY)

I recently received documents from Wells Fargo, Dated XXXX XXXX, 2015 which suggest that my investment property will be refinanced, however, I did not apply for a refinance or authorize Wells Fargo to do this on my behalf. There is also an internal email correspondence that was inadvertently included in my package, which is telling Wells Fargo employees that I am waiting for these documents and working with the Office of the President to refinance my loan. This is a lie. I would like this to be investigated.
Consumer complaint received 2015-09-24
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX. Yesterday XXXX XXXX, 2015. I went inside of Wells Fargo Bank on XXXX XXXX and XXXX XXXX in XXXX, Fl XXXX. My reason for visiting the bank was to get another bank card. My old one was cancelled due to misused. I was told from XXXX of the customer rep. When visited a month ago or so.. That I had to wait thirty day 's. Keep my account clear. Before I can get another card. It 's now pass those thirty days. XXXX XXXX who was helping me was not able to help nor give me a temporary card because she was told by her supervisor XXXX. The same reason the guy rep told me. Not even to bother looking further into that it 's been pass thirty days etc.. Well once I got home I called Wells Fargo XXXX XXXX number to find out why that bank would n't give me a card and to see if they could send it to me. I was told to go back into that same branch and ask to speak to a supervisor. Because they could n't understand as well why they could n't give me another card nor help me. At the time I was n't able to go right back up there. So I called that branch and asked to speak to the supervisor who was the person who answered. XXXX. She remembered me once I explain and she was n't so polite. Very nonchalant and told me that I was n't gone be able to get a temporary card not today. That she will give XXXX my information to try again and give me a call back. I never received that called back. I called the XXXX XXXX again.. To see what else can I do. And they told me to try another branch which I did. The on off of XXXX XXXX and XXXX XXXX XXXX, fl I was in and out in XXXX minutes.. No problem whatsoever! And the lady who helped me said she did n't know why they could n't help me and even ask me what bank that was. I was not pleased at all nor did I appreciate the nonchalant attitude of the supervisor at that branch.
Consumer complaint received 2015-09-24
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I stupidly agreed to pay the amount of {$170.00} a month for 6 months with Portfolio and once had to make payment 3 days after due date. When I called, I was told that my agreement was now null and void and had to pay FULL amount throughout XXXX. I asked for Debt verification letter and company still tried to charge me the {$170.00} which caused my bank account to overdraft. I called company and was told to speak to the legal department, which I did. The woman told me to email her supervisor with proof of overdraft and they would reimburse me. I did XXXX times and still have yet to hear anything or receive and reimbursement. I have not received debt verification letter either. I believe this company is committing fraud and until proven otherwise will continue to fight for my hard earned money. I am a victim of identity theft due to being a federal employee so I have no idea what these hackers had access to.
Consumer complaint received 2015-05-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

Earlier this month Wells Fargo Bank froze and closed my checking and savings account due to suspected fraud because my boss had me deposit some checks for him. Rather than the bank notify me or simply reject the deposit they have closed my accounts without releasing the funds and reported me to XXXX for suspected fraud. Since this occurred My other bank closed out my checking account and the new bank I tried denied me. I want this removed from the system somehow as it was not fraud and I am not in a financial position to hire a lawyer to sue them for all of the harm this is causing as I can not access my money that was in the accounts and have not been able to receive my payroll as there is no bank to route it to. Please help me I do not know what to do.
Consumer complaint received 2015-04-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Hello, My mortgage loan was handled by XXXX XXXX XXXX before it was assign to Rushmore servicing Company a few months ago ), we have requested XXXX XXXX XXXX to send us payoff figures in order to payoff the loan in full, we have borrowed the money from a private source, paid the entire amount to XXXX XXXX XXXX ( this was back in XXXX XX/XX/2011 ), and instead of getting a satisfaction letter, we received a few months later a letter from the bank stating that the total payment was returned since it was {$800.00} short ( legal fees ) which by the way never appeared on the payoff statement. In the meantime, the total amount was higher because of an interest and other fees added to the principle amount, we have experienced a terrible family crisis ( XXXX of my daughters deceased in my family ) and loss of income which prevented us from making the mortgage payments, the amount owed, has become higher and left us no choice but falling behind with the mortgage payments. The property is no longer livable since we did not have the funds to maintain it and as of today it is vacant. 
As said before, a few months ago we have received a letter stating that the mortgage loan is no longer with XXXX XXXX XXXX and it was transferred to Rushmore servicing Company, when we called and asked for help, we have been told that they ( Rushmore ) ca n't help since all of this happened with XXXX XXXX XXXX and they will have to start a foreclosure procedure against our property. 
The only payments we were able to maintain since this happened about 3 years ago were for property taxes. 
It is sad to think that just because of {$800.00} we, a widow that have lost XXXX daughters in less then a year is facing foreclosure and a possibility of losing her home. 
We feel that neither XXXX XXXX XXXX or Rushmore servicing simply do not want to listen to us and try resolve this big problem we are facing and possibly lose our home. 

We have attached a detailed letter written by me to Rushmore servicing which is currently handling my mortgage loan and started a foreclosure procedure about a month ago. 
Thank you for your help
Consumer complaint received 2016-03-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (TX)

hunter warfield has reported to all three credit reporting agencies. They have reported in the amount of XXXX $ they have yet to contact me in this regard. the FCRA states that they must notify me 30 days prior to reporting to the agencies, they must provide a detailed, itemized account. the last time I reported to this this government agency they said that it was a dupilicate compliant and they would respond shortly. that was XX/XX/XXXX. since then I have disputed the account on XXXX and XXXX, both agenies have " verified '' the debt. this indicates that hunter warfield has worked on this yet refuses to address it here so as not to get caught breaking federal law
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A violation of the Fair Credit Reporting Act ( FCRA ) occurs when the rules for collecting, distributing, and using consumer credit information are not properly followed. The FCRA requires consumer reporting agencies ( CRAs ) to use reasonable procedures to verify the accuracy of information in credit reports. If a consumer suffers harm due to an FCRA violation, they have the right to pursue legal action against the CRA, seeking compensation for actual damages, statutory damages, and attorney 's fees. The accounts listed in my letter contain inaccuracies, and I am requesting a thorough investigation into these errors.
Consumer complaint received 2015-04-25
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY (MN)

I received a prepaid rewards card from American Express as part of a promotion for purchasing an electronics item from an online vendor. I live in Minnesota, where I thought any gift card whether prepaid credit/debit or otherwise would be exempt from service fees. In other words, if you receive a {$5.00} card then it will remain as such until used. 
On the Front of the card it labels the {$5.00}, and a Valid Thru date of XXXX ( XXXX 2020 ). But on the back it claims it will sustain a {$2.00} service fee per month after XXXX months of issuance, but in the same line it says Funds do not expire. 
This is very confusing. Funds do not expire, but they clearly do through the attrition of the service fees. The semantics might be different but the end result is the same. You must use this card or else the fund will indeed expire. 
The rebate program was a joint venture between XXXX and XXXX.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Sections 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-01-11
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY (CA)

I would like the CFPB look into my claim # XXXX against XXXX default services, Because their refusal or ignore to validated my DEBT VALIDATION LETTER it got sent out by certified mail with copy receipt # XXXX. 
Instead to comply with my request, they still want to go ahead with its illegal and criminal act. They sent me another document postponing the Foreclosure Sale date from XXXX XXXX 2016 to XXXX XXXX 2016.This company clearly its violating my consumer right XXXX
Consumer complaint received 2015-07-07
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Onity Group Inc. (IN)

Have been trying to get Ocwen Loan Servicing to close a paid off HELOC XXXX paid off XX/XX/XXXX ) and forward to title company so that sale of property can be completed since the XXXX of XX/XX/XXXX. ( XXXX days ago ) Closing was to be on XX/XX/XXXX at XXXX, XXXX XXXX XXXX, XXXX, IN XXXX. XXXX, XXXX. I am the executor for the estate of XXXX XXXX XXXX XXXX deceased ) who was the mortgagee of this HELOC.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2016-03-30
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MI)

On XXXX XXXX, XXXX Wells Fargo Bank , N.A . foreclosed on a home based on a XXXX reverse mortgage, and the borrower being deceased as of XXXX. However, the home was placed in a living trust as of XXXX, and the mortgagee did not have authority to remove the home from the trust. On XXXX XXXX, XXXX the beneficiary of the trust contacted Wells Fargo to inform them that the home was placed in an irrevocable trust in XXXX, and Wells Fargo responded that the loan did not originate under a Trust Agreement. Well Fargo is intentionally disregarding the creation and continued existence of the XXXX trust agreement, as they know the trust invalidates their reverse mortgage and the debt. Regardless of whether the loan was originated under the trust agreement, the trust agreement preceded the reverse mortgage 's origination. It came into existence in XXXX as an irrevocable trust, continues to exist and can not be dissolved. Wells Fargo admits that the trust prevents the loan from meeting FHA Investor guidelines and XXXX XXXX XXXX XXXX. Yet, Wells Fargo continues to attempt to collect an invalid debt.