davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

XXXX XXXX reside at XXXX XXXX XXXX XXXX ny XXXX with my husband XXXX and Daughter XXXX XXXX Hsbc Beneficial are nothing but scammers. They have ruined my life along with my family. The refuse to work with modification, lower interest rate. we are paying XXXX which is extremely high. They are taking full advantage of us because of low credit scores, and lack of knowledge. 
How is it that those that were originally clients of Beneficial Finance, which is a predatory lender are now being taken advantage of a worse lender HSBC. We were n't ask if that 's what we wanted. Our accounts are sold out before the ink dries to the biggest crooks that seem to be monopolizing this business. Since there are so many complaints against Beneficial Finance/HSBC why has n't Consumer Affairs done a thorough investigation which would include an audit on the accounts of the consumers that have complained. I do n't think that is too much to ask for. Listing our complaints on a website might stop those that are thinking about getting a loan through either of these companies, however the consumer whose mortgages have been transferred to HSBC because of a merge etc should not be made to be robbed continually, for something they had no control over. 

Once you get involved with these companies it 's like being in quicksand, you never seem to get out. They have also called me all hours of the day including my place of employment and contacting my supervisor gave her personal information, which is a violation of my privacy under the HIPPA laws. I request their phone records should be requested to be reviewed for exceeding calls and threats. I also disagree with their response from the first complaint filed. All the info the responded with was all a bunch of untrue documents. I feel they should be held accountable for all the stress with them forcing us into foreclosure status They have ruined my life. We had a loan approved through the VA mortgage. When we ready to close to the mortgage agreement. Hsbc stated we owed them additional XXXX XXXX of interest. 


I 'm hoping XXXX can help assist me get this company to clear up my account. Because I am being made to pay my mortgage to include an escrow account which would have made my mortgage higher, however I am being made to pay a higher mortgage payment, and pay taxes and insurance outside of the mortgage. And now they want to add on more money to include another escrow, why when they have n't use the amount that was supposed to include a escrow account in the first place. I 'm not the only one with horror stories towards these companies. I feel these claimed are founded to be valid then an audit over the whole account should be done. I need your help, we need your help if you ca n't help us please direct us to who can. I live in New York State. When the lender modifies your mortgage it has to be in escrow.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

I applied for XXXX refinance loans via internet from a company called Cardinal Financial. They called me, checked my credit, which is in the top 1 %, indicated they would freeze the rates if if I paid for the appraisals that day, which I did. The appraisals were completed XX/XX/XXXX, with both properties being appraised with over {$500000.00} in equity. The process bogged down for nearly XXXX months from what they indicated was a work overload for their underwriters. 

In addition to the equity in the properties, I have no debt other than the mortgages and related insurances, XXXX years of credit history, {$54000.00} in annual rental income, {$26000.00} in social security, {$400000.00} in liquid cash in the bank and annual business income of {$100000.00}. Finally, this month they declined both loans as my not meeting debt to income ratios, which is impossible and refuse to refund the appraisal costs. 

I believe the real issue is that I am XXXX years old and they lost the price freeze on the loans due to their own incapability of processing. 

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX
Consumer complaint received 2017-02-19
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (KY)

Date of purchase : XXXX/XXXX/XXXX Reason for Complaint : The contract written up by XXXX XXXX was not completed properly. In the Federal Truth-in-Lending Disclosures box the Total Sale Price is incorrect by {$4100.00}. I received a correction letter from the lender, Ally acknowledging the mistake on the contract, but due to the fact that the mistake is in the Federal Truth-in-Lending Disclosures box, violating the Fair Credit Act of XXXX, sections XXXX & XXXX, this letter is not sufficient. This mistake makes the contract null and void. Yet, it was still accepted and funded by the lender. 

After talking to the lender on recorded lines, ( first to XXXX - employee # XXXX XXXX and second to XXXX - employee # XXXX XXXX, they tried multiple times to say that they would just have their administration department make the changes to the contract, which is not legal due to the location of the mistake on the contract, and tried to manipulate the conversation to make it seem like I was asking them to make the changes to the contract. 

Finally, I spoke with a Supervisor named XXXX - employee # XXXX XXXX multiple times over a 1 week period to XXXX - employee # XXXX XXXX ) I was told that I was correct that the contract is not valid, that the mistake is not my fault, and that I was not responsible for paying it. I was also told that if it were to happen again in the future, I would be liable and if I do n't pay my credit would be negatively affected. She was supposed to get in contact with XXXX XXXX to inform them of the situation and unravel the deal and then call me back. She never called me back, so I called her. She then proceeded to tell me that both XXXX XXXX and Ally agree that the contract is sufficient, and that I am ultimately responsible after all. However, as mentioned before, the contract violates the Fair Credit Act of XXXX, sections XXXX & XXXX, this letter is not sufficient. This mistake makes the contract null and void. 

Copies of the contract and correction letter are attached to this complaint.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has fail to delete negative unverifiable information on my report. there are accounts with recent monthly payments but account have been closed and have been verify by the original source. there is past due balances on every account that has been closed. Collection companies have fail to provide me with proper documentation of adverse accounts. results from Transition indicates accounts have been sold but they still are been verify.
Consumer complaint received 2017-02-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

As my debit card was set to expire, Bank of America issued a replacement card three months prior to the expiration date. The card never reached my mailbox and was intercepted by someone. I received a message that my debit card was being used and was asked to provide feedback regarding an attempted transaction at XXXX XXXX for {$520.00}. I responded within 30 minutes of the message stating that the transaction was not mine and to close the account. The account was not closed after I asked them to close it. Instead, they expedited the shipping of a new card. I filed a dispute with the bank to remove the fraudulent charge. In addition, I filed a police report and put fraud alerts on all the credit agencies. Bank of America declined my dispute stating that there was nothing wrong with the transaction. They are violating the Electronic Fund Transfer Act by not removing the fraudulent charge. A few days later, Bank of America sent another email to to me to verify a transaction on my credit card. When I called, they told me that they added a new user to the account, changed the address, and mailed a new card to a fraudulent address. They skipped the passwords and security that I set up for my banking accounts. They instructed me to have a police officer call a special number to retrieve the fraudulent address where a new card was sent. The police officer advised me that he can not do this without a subpoena. The advice Bank of America offered me was incorrect and ineffective.
Consumer complaint received 2017-03-06
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Debt collection ( XXXX ) has been harassing me!! They call me during the week as well as nights and weekends. They have called me on Saturdays and Sunday BACK TO BACK. I have a recently started to collect a call log of every time they called me. They have called me many times before I started to take a log, but unfortunately I have no proof of past calls : ( I feel harassed and disturbed!! I literally had to use an app to block there calls as they would call SO OFTEN!!! XX/XX/XXXX : XXXX PM, XXXX pm and again at XXXX PM, XX/XX/XXXX:XXXX, XXXX PM XX/XX/XXXX : XXXX PM and again at XXXX pm XXXX pm and again at XXXX XXXX PM XX/XX/XXXX XXXX PM and then again at XXXX PM XX/XX/XXXX XXXX am and then again at XXXX am\ and then back to back at XXXX PM XX/XX/XXXX : XXXX am ( 2 times ) XXXX ( 2times ) XXXX PM ( 2 times ) and XXXX PM ( 2 times ) XX/XX/XXXX XXXX ( 2 times ) XX/XX/XXXX XXXX ( 2 times ) Today ( XX/XX/XXXX ) I called this number from Wells Fargo XXXX and spoke to someone to tell them I want to cancel my credit card and they transferred me unbeknownst to this number # XXXX and when I tried to make a payment arrangement the lady on the phone told me since my account is past due I have to make a minimum payment of {$220.00} to " stop the phone calls '' I confronted her about these long list of harassing calls and she did not even apologize for harassing me!!!
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have been a victim of identity theft and have attempted to have accounts removed from my credit report without success. I have provided all the necessary information to the credit agencies and the companies for years and still no resolution has been rendered. XXXX XXXX XXXX opened in XXXX of XXXX with a balance of {$6700.00} is fraudulent and needs to be removed. XXXX XXXX opened in XXXX of XXXX with a balance of {$20000.00} is fraudulent and needs to be removed. XXXX XXXXXXXX XXXX  opened in XX/XX/XXXX with a balance of {$1100.00} is fraudulent and needs to be removed. XXXX XXXX opened in XXXX of XXXX with a balance of {$890.00} is fraudulent and needs to be removed. XXXX XXXX opened in XXXX of XXXX with a balance of {$2100.00} is fraudulent and needs to be removed. XXXX XXXX XXXX XXXX opened in XXXX of XXXX with a balance of {$1000.00} is fraudulent and needs to be removed. XXXX XXXX opened in XXXX of XXXX with a balance of {$520.00} is fraudulent and needs to be removed. I have already filed an Identity theft claim with the FTC and my reference number with them is XXXX.
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (MO)

I had a failure in one of my old HVAC units and I visited with the contractor who fixed it about getting a new system. When I did he told me they had a special 0 % financing for 36 months offer through Wells Fargo. I said that would be great let 's go ahead and do that. So the contact said well let 's see if you are approved for the 0 % financing. So we submitted information online to see if I would be approved fort he amount I needed to replace the units. I was not and that was the end of it. I told him to work on a way to get me approved for the whole amount or he would just have to wait till I saved my nickles to pay for the units outright. I thought everything was fine. A week later I received a credit card from Well 's Fargo for the amount I was approved for. I never knowingly agreed to open a credit card with Well 's Fargo and it is fraudulent for them to take my inquiry as authorization to open an account in my name. This practice needs to be outlawed and Well 's Fargo needs to be fined twice as much as they have made using this fraudulant and misleading new account sales technique.
Consumer complaint received 2016-04-27
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (IN)

My email to RushCard sums it up : I have called and called today about the transactions in XXXX of my cards. My name is XXXX XXXX card ending in XXXX # # # and XXXX # # # both had transfers and I received confirmation via text and email plus online but talking to your reps they do n't all of a sudden show my missing money! 

I 'm very upset about this because. Have been hung up on twice, told that it did n't make sense as if you guys do n't have a glitch on your end. My card went from a successful transfer to showing an {$0.00} bal on card ending in XXXX # # # and my other card XXXX # # # does n't show the {$100.00} added with a new balance of {$100.00} it only shows the {$5.00}. 

I asked to escalate this and I asked for a form and was told I can yell, scream and cry but it 's nothing they show so what am I disputing then hung up on! Please review the calls all XXXX of them today. 

My cell is XXXX # # - # # # # and I have sent my complaint the the attorney general as well as the XXXX and unclerush XXXX XXXX via XXXX publicly about the errors and treatment today over the phone. 

See all attachments as I have also uploaded the screen shots on your web as confirmation that this transferred showed over and over that it was completed and successful. The rep said she did n't see any activity on my card ending in # # XXXX since XXXX XXXX which ca n't be right being that I did a transfer from my card XXXX this morning to my other card and XXXX I tried to transfer it back hours and hours later all said it did via text online and email but yet I do n't have my money it 's not reflecting and has disappeared and no one seems to even see what I 've gotten as alerts about my account! 

Where is my money!!!!!!??????? Call and email me today See attached documents and also see online uploads I sent that message last week and I still have n't gotten any replies or phone calls and my cell phone is off, my utility bill is up for disconnect and my rent have been file eviction on because I can not access my account and I 'm missing my money.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2016-04-27
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Affiliated Management Services (MO)

I have been receiving numerous phone calls from XXXX they never leave a message. A quick web search Identified the company. I have answered XXXX of the calls, but no one was on the other end. I have attempted to return the call but the person that answered could n't help me without my account number. 
I did weeks later receive a bill from them, which I logged onto their web site, and set up a payment arrangement for. I agreed to allow them to debit my credit card {$100.00} per month, and provided them the card number. The debited the card as agreed the first month, and XXXX each subsequent month.
Consumer complaint received 2017-04-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: North American Credit Services (FL)

This agency has repeatedly violated my rights under the Florida Consumer Credit Protection Act ( Fla 559.27 ). When they were notified back in XX/XX/XXXX, they sent a file to a XXXX. They are again pursuing collection in violation of fla law.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, I have a history of on time payments, my percentage is at 99.4 %, for some reason my re-occurring minimum payment was not being taken out of my account. I would like for this one late payment to be removed because it is affected my score in a negative way.
Consumer complaint received 2016-06-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NC)

In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX AAdvantage miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account for at least 2 consecutive months, and making at least {$1000.00} in total debit card purchases. 

After enrolling with the promotion code, I contacted Citi to confirm that they had my XXXX XXXX XXXX number ( XXXX ) and I also received confirmation that the XXXX bonus XXXX XXXX AAdvantage miles offer was successfully attached to my account. 

During XXXX of, 2016, I confirmed with Citi that I had successfully fulfilled all of the terms of the offer and to expect my bonus miles on or before XXXX XXXX, 2016. 

On XXXX XXXX, 2016, I did not receive my bonus points as promised. 

Citi is now stating that they require the original bonus insert, which would have been sent out 6-8 months ago. It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. I disposed of this mailer after opening my account, since Citi customer service confirmed to me that I was enrolled in the offer Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

My most recent statement indicates XXXX charges for interest rate. XXXX is interest charge on purchases and the other XXXX is interest charge protected purchases. To the best of my knowledge I did not subscribe the XXXX service. I log in for chat with their rep. she was unable to tell me the difference between the XXXX interest charge, she keep telling me that it was a special purchase charge.
Consumer complaint received 2015-08-25
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: World Acceptance Corporation (GA)

TOOK A XXXX LOAN OUT MADE A FEW PAYMENTS BUT I LOST MY JOB, MY HOME, MY CAR. I COULD NOT AFFORD THE PAYMENT. I TOLD COLONIAL FINANCE IN XXXX I COULD NOT. THEY CALL MY CELL AND WORK EVERYDAY. MAIL LETTERS, COME TO MY HOME. AND NOW STALKING ME AT GAS STATIONS. I CRIED AS SOON AS I GOT INTO MY CAR OUT OF EMBARRASSMENT.
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Gitsit Solutions, LLC. (TX)

The whole purpose of the suit is due to wrongful foreclosure on XXXX XXXX, 2015. We have challenged Kondaur the proof of the matter, they refused to show up for Federal Court to prove themselves to be right in the First place. This was discussed on several occasions. They could not provide to us any evidence. Therefore, they did show up for Federal Court, nor did they respond to XXXX because Kondaur did not have any proof their only proof is to evaded in every way. The fact that Kondaur breach the loan modification and forbearance plan is evident enough. 
This case should not have escalated to this status. All Kondaur had to do was to continue the modification that was set forth by XXXX and continue to accept my payments {$1100.00}.. We disagree with the opinion of the court, we had requested a mediation and trial in person. Further documents will be filed as suggested.
Consumer complaint received 2016-06-01
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NV)

This complaint is regarding Wells Fargo. XX/XX/XXXX I refinanced my home mortgage taking cash out to make home repairs, pay off an auto loan and pay off an installment loan with Wells Fargo. On XXXX/XXXX/16 I made the final payment on the installment loan at a local Wells Fargo branch. This check included a slight overpayment. The payment on the loan, final accrued interest and overpayment were all processed on XXXX/XXXX/16. On XXXX/XXXX/16 Wells Fargo reversed the entire amount paid on XXXX/XXXX/16 telling me the loan payoff was coded incorrectly. The representative on the phone told me on XXXX/XXXX/16 the loan payment was being reprocessed and should be back dated to the actual payment date. In the meantime, Wells Fargo is telling me the same installment loan is past due and put a {$39.00} late charge on the account. On XXXX/XXXX/16 I called customer service to find out why the reprocessing of the loan payoff still had not gone through. I was told it was still in process. On Saturday, XXXX/XXXX/16 I went to the local branch where the original payment was made back on XXXX/XXXX/16. The personal banker called on this same installment loan and was told the payment was not made correctly. And that Wells Fargo is reprocessing the payment. This personal banker in the branch said everything was applied correctly on her end, so she felt this should be resolved and soon. Today, XXXX/XXXX/16 I contacted Wells Fargo customer service via phone again and was informed the bank check from the title company was returned for insufficient funds twice. We contacted the title company who confirmed verbally the check for the loan cleared their bank on XXXX/XXXX/16. Account numbers and check numbers were confirmed. Payments were due on this installment loan on the XXXX of each month. The loan is now XXXX days past due according to Wells Fargo. Yet I have a receipt with a transaction number proving I paid the loan IN FULL on XXXX/XXXX/16. This loan pay off was rolled into my current mortgage with Wells Fargo. So I feel they are trying to collect on the same debt twice and/or lost {$6800.00}! I keep getting told by Wells Fargo " we need to research this '' but no one can seem to get this resolved.