davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-23
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (GA)

I had a loan with Freedom Mortgage ( Loan # : XXXX  ). For the past 4-5 months I have been going back and forth with them about notices I had been getting for a late payment. I called them 5-6 times and showed them bank records proving I was not delinquent and they kept telling me that I was right and that I had never been late. According to the reps I spoke to they had been applying my payments incorrectly causing it to look like I was late. After telling me it was fixed and taken care of numerous times I checked my credit to find out my score had dropped 150 points because they reported me as delinquent. This happened right as I was in the middle of buying a new house. Luckily the new mortgage company had already approved me but this could have been disastrous. They finally got it fixed a month or so later and my credit report was ok until XX/XX/XXXX when they reported me delinquent to XXXX again making my score drop back down. I have filed a dispute and am waiting to get it fixed.
Consumer complaint received 2018-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2019, Unfortunately I deposited a Fraudulent check, I did not know that it was fraudulent when I deposited it. I was fooled into a Smart Shopper scam and I withdrew the funds and dispersed them with XXXX  and XXXX XXXX. My bank is charging me the amount of the check {$3700.00}. They are withholding my direct deposit from my employer and my savings account. I spoke to the Branch manager at the XXXX XXXX XXXX  Branch and he advised that he would not release the funds even though I explained to him that I needed this money to live on and that I have been a valued customer for many years. The amount deposited into the savings account was {$1300.00} from my employer.
Consumer complaint received 2018-03-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company (NV)

XX/XX/2016, I went to a specific mortgage company ( Guilds Mortgage-Sparks NV headquarters in XXXX XXXX, CA ) because they were on the Nevada State 's Home buyers Program Home Is Possible website as a Mortgage Credit Certificate " participating lender ''. The loan officer there said she would help me apply, but later was giving me the run around whenever I mentioned the MCC program. Until today still no Mortgage Credit Certificate. Stupidly, I trusted them to know what they were doing. It seems wrong for the lender to " advertise them self as Nevada HIP-qualified lender and know nothing about the first time home buyer programs except get money for down payment and its a quick sell for them. I fully qualified for this program, completed all require training as it was presented to the XXXX XXXX  XXXX Senior Advisory Committee by XXXX XXXX XXXX XXXX, Home buyer Programs Supervisor ( XXXX ) XXXX. 
Guilds Mortgage should take financial responsibility for their mistake. I lost Mortgage Credit! This is how incompetence lenders should be REWARDED! Taking advantage of the public trust, well just good ole first time home buying working folks NOT MORTGAGE EXPERTS! Now its TAX time and no credit in site. Loan sold within weeks of closing.Guild failed to adequately supervise. 
Cc : Attorney General, The Department of Business Oversight ( DBO ), Conference of State Bank Supervisors ( CSBS ) and the American Association of Residential Mortgage Regulators ( AARMR ), XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-10
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CNG HOLDINGS INC (IL)

This is coming from a phone number XXXX. She stated in a phone call that i had committed fraud and refuse to give me a copy of the debt. I told her i want to speak to a supervisor and she put my on hold and it was her again but saying a new name. She said i was also being investigated for other matters and that i told her she is not aloud to call my employer or call my number anymore and she said she can call anytime she wanted to.
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I have reached out to the collection agency XXXX XXXX XXXX, requesting a letter of validation of debt over three times and they have not complied. This debt was supposedly reported by XXXX XXXX which Ive never owned an account with them. Ive reached out to this Agency three times requestion a letter of validation for this debt, which they have failed to provide to date. I disputed this account on all three credit bureaus and it was deleted on XXXX and XXXX due to lack of information on this debt. The collection agency has reported this debt to be accurate now on the last credit bureau ( XXXX ) without providing the information supporting the validation of the debt. I have exhausted all my resources trying to fix this issue with the company. I recently filed another dispute with XXXX and called XXXX XXXX XXXX requesting a letter of validation. The company reported this account as accurate and hasnt provided the letter of validation.
Consumer complaint received 2018-05-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

XXXX XXXX XXXX was assigned by XXXX XXXX to collect a debt, on XX/XX/2018 I called XXXX XXXX  and paid the amount of XXXX to close the account with debt paid in full. I spoke with a man who identified himself as XXXX, the calls are recorded so there should be a recording of what I report. He did ask me if my bank account was frozen, maybe not the exact words, but I replied no, not that I was aware of. I later discovered their was a garnishment against my account, actually 2 accounts but there was enough to cover it in one account. I called back and explained that I needed the hold released because it was my mortgage and I had already paid it. He stated that they could not release it so I ask if I should stop payment on the payment I made by phone because I didnt want to pay it twice nor could I afford to. He informed me that if I did that it would make the process longer, but would not give me an amount of time it would take to return the money to my account. I have since had several conversations with different staff there, some, well most of which are extremely rude, and I have spoke with my bank and the court clerk. The courts filed the release on XX/XX/2018 and the court sent the money to XXXX XXXX. I called again and requested one of my 2 payments be returned at which they replied ; they have not received it. I understand the need to collect a debt, but no one should be allowed to hold your money indefinitly just because they want too, if that were the consumer we would be required to pay interest. This is an unfair practice and should be looked at by government officials. The average working person could lose thier home, car, or anything with the loss of that income for months and who knows how much longer. Consumers deserve to be protected from this type of business practices.
Consumer complaint received 2018-05-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UMPQUA HOLDINGS CORPORATION (CA)

My savings account at Umpqua bank was switched into an employees name. This employee was XXXX XXXX and was my girlfriend at the time. XXXX forged my signature card and transferred the account into her name. I was unaware of this until we later broke up and my account was no longer accessible to me. I suffered a loss exceeding {$7000.00} from this fraudulent act.
Consumer complaint received 2018-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

onXX/XX/XXXX, I contacted XXXX XXXX XXXX in regards to a debt that this company purchased from XXXX XXXX XXXX  in an attempt to help repair my credit score. I was connected to my " account manager '' XXXX XXXX who indicated that I could settle the debt by making five payments of {$100.00} for a total of {$540.00} ( the amount of the debt ). I made the five payments to this company as agreed via money orders for which I have proof and proof that the company cashed all 5 money orders I  mailed to them. OnXX/XX/XXXX when I called to get a final payoff letter so that I can submit to the three credit bureaus, I was told by the representative that my account is still lacking two payments. When I asked to speak to a supervisor to attempt to clarify this issue, I was transferred to a XXXX XXXX whom said he was the supervisor. He also said my account was short 2 payments and really did not care to hear or investigate my complaint. I then asked for another supervisor or financial officer and was transferred to a XXXX XXXX who identified himself as the customer support supervisor. He offered to investigate my complaint taking down my information. When I called back on XX/XX/XXXX, I had to start the whole fiasco over again with representatives who had a very eminent language barrier and acted like they had no idea what I was talking about. to this date XX/XX/XXXX, I have not heard from this company in regards to this complaint, nor have they issued me a letter stating this account was paid in full. I feel this is a foreign call center whom is praying on individuals trying their hardest to pay off their debts. I feel they committed fraud by cashing these money orders as payments and then denying they were ever received. I don't want anything from this company except a letter stating my account was paid off in full so that I can submit to the credit bureaus to help rectify my credit. As consumers we have the right to this if we have done our part and paid off our debtor in full.
Consumer complaint received 2024-08-24
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. (GA)

XXXX, EQUIFAX, XXXX ALL THREE CREDIT REPORTS SHOW 17 CREDIT INQUIRIES THAT I AM SUBMITTING A DISPUTE.

I did not authorize my credit to be pulled due to the recent two national data breach ( s ). I am very concerned about these inquiries being placed on my credit report ( s ).

I am requesting all 17 be removed within the 24 hours by law. I have already placed online fraud alerts with all three reporting credit bureaus. 


Sincerely, XXXX XXXX
Consumer complaint received 2018-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (IL)

On XX/XX/XXXX, I tried to use my debit card to withdraw available funds. I received repeated denials at more than one ATM. I called Discover Bank and was told that my card would no longer work and I would have to wait 7 days to receive a new one. 

I told the bank I needed access to my money more quickly and asked them to waive fees for a cash advance or other solution but they refused. 

Therefore I was unable to use my funds I also still have not received a new card as they had promised.
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

XX/XX/2018 Peoples United Bank XXXX XXXX XXXX XXXX Connecticut XXXX Phone XXXX I been coming to this branch for about 1 year and getting my payroll check at teller window instead of Their ATM machine, to day i was told by a teller name XXXX, that i have to tell my employer to give me a card with my name on it. Because the old supervisor is no longer at that branch. i told her my employer have thousand of other employees that have the same kind of debit payroll card, and i do not think they will do that for me. she act very upset and was making a fuss about this issue. I told her your ATM machine do not ask if my name is on the card. The card Booklet state that i can use this card at any bank with proper ID to withdraw my pay. I call their XXXX customer service number talk to person name XXXX he would not give me his last name, he was no help at all sound like he was not aware of how the walk in to teller debit card transaction work. waste of time talking to him. he might not have submit my complaint, so that why i am contracting Consumer Financial Protection Bureau.
Consumer complaint received 2018-05-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (TX)

XXXX XXXX XXXX ( XXXX ) collection agent called and failed to disclose that he was calling from a debt collection agency. Asked to confirm the last 4 of my social and DOB. I responded that I would not confirm over the phone. Agent proceeded to inform that a judgement had been filed against me for a debt that was out of statue 10 years ago and if I would like to settle today. I responded that I will not respond over the phone and will respond via certified mail. He informed me that correspondence had already been sent, that I would be served in a lawsuit, and that I knew that I owed the debt and was beating around the bush. Agent hung up the phone before I could respond.
Consumer complaint received 2018-05-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (FL)

I have a private student loan which originated in the amount of {$35000.00} in XX/XX/2008. 

{$15000.00} was unused and returned ; I began paying monthly payments on the remaining balance of {$20000.00}. 

I have been paying for the last ten years without fail. my current balance is {$14000.00} In the last ten years I have made payments totaling {$15000.00}. However, I still have a balance showing {$14000.00}. So, only {$6000.00} has been credited to my account. 

I have recently been made aware of fraud by the student loan holders in regard to interest rates. 

I have requested detailed analysis of the loan and the explanations have been cursory, vague and incomplete. 

The loan is held by Wells Fargo. I am concerned there may be some improprieties.
Consumer complaint received 2018-03-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Byrider Franchising, LLC (OH)

I paid deferred down payments and few payment into the loan on a XXXX XXXX XXXX and XXXX XXXX charged me XXXX this is considered dealership fraud i did sue XXXX XXXX and XXXX XXXX for accepting a loan that is way more than what the car is worth I have papers and proof that i sued please take care of this asap! i have contract details etc.
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NJ)

I have an account with carecredit. Made the monthly minimum payments on time. Had about {$700.00} left to pay. I get a bill, says I owe {$1000.00}. I didn't even use the card. Carecredit tacked on {$300.00} to my payment without my knowledge. Said it was because I didn't pay all the bill in there " promotional period ''. What promotional period? No one ever told me there was a promotional period. Carecredit never told me they had that. Also it tripled my minimum payment. This is what they told me over the phone. They were very rude, & misleading. Gave me the run around. Then I was told they would never do it again. Next month I get the bill. Another {$150.00} added to my bill. I call again. Another one of there supposed " promotional period '' thing. They lied & never told me there would be another one. That's twice they did that. That was {$450.00} added to my bill that I never even used or made any purchase for that amount. Now I'm behind over {$1000.00} cuz of late fees & this promotional garbage. I can't pay this. I've closed my account with them but still they keep on adding & adding money. All they care about is money. I need help. Please help me.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am a victim of identity theft. The following collection accounts and credit inquiries listed on my Trans Union, XXXX and XXXX credit report are all fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, {$1500.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, {$150.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$3800.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening phone calls of profane language, death threats and threats of arrest and jail from representatives from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX for accounts that are fraudulent and the result of identity theft. The 4 collection agencies are in violation of The Fair Debt Collection Practices Act ( FDCPA ), a violation of Federal law.
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Received A XXXX prepaid credit card in the amount of {$50.00} fro my sons Birthday less than 2 years ago with a n expiration date of XX/XX/23. At the time we had no use for it and kept it inside a safe along with other gifts. When we needed to use the card we were told that it had a XXXX  balance and in order to restore funds, we need to provide the receipt! We explained to them on multiple phone calls that we did not have a receipt since the card was given to us as a gift. The vendor has repeatedly said that they will not provide the funds till a receipt is provided. I have provided the vendor photos of the card and its original packaging as well as a copy of ID as proof.
Consumer complaint received 2018-06-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: California Business Bureau, Inc. (CA)

I received a call at XXXX. I am a remote employee and usually wouldn't answer my phone for personal business. the call had no caller ID at all. No phone number no name. I answered the call. The Collection Agency is California Business Bureau at XXXX Ext XXXX. The Agent 's name is XXXX. The call itself wasn't an issue but when I mentioned that there being no caller ID, she was aware.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

Violations from Experian in regards to disputing inaccurate information. My initial dispute letter vis U.S. Mail dated XX/XX/XXXXreached Experian XX/XX/XXXX disputing the Accuracy of Public records information. The disputed was completed 12, as verified. I submitted a letter dated XX/XX/XXXX via mail asking for the Method Of Verification used along with the name telephone number of the persons contacted in regards to this Public Record Information.

I received none of this information and was not notified in regards to this matter in the 15 day window. I proceed to call Experian on XX/XX/XXXX the first time I get threw the rep inform me they don't have to give the furnisher information that provided them the public records info. and stated they did not have access to it. My initial thoughts were how did they verify and and reinvestigates or even provide me with the Method Of Verification. this first rep didn't provide me with any furnisher info as I requested over the phone at all. I proceeded to talk to a 2nd rep he also stated he didn't have access to the information due to the fact it was from a third party. I let him no that nowhere on my report does it mention anything about a third party. I ask for a supervisor or someone in charge to get this information. after speaking with a supervisor she informed me of everything the 2 reps stated prior. I let her know I wanted the furnisher that was giving Experian the information because its not state on my report. I let her know I did not get my Method of Verification. She tried to insinuate the a generic description mailed out from a for this dispute request should had suffice.

I ask her was the procedures followed in the generic info because I still wasn't giben the info from the Method of Verification as requested. lastly I let her know I did not get response in a timely matter according the FCRA in regards to the Method Of Verification.

There are serious FCRA violations of : - Section 611 ( a ) ( 6 ) ( 7 ) By not receiving the the Method Of Verification for this Public records Info at all let alone in the 15 day time span.

- Section 609 ( 1 ) ( 2 ) ( 3 ) by not providing my with the name, address, tlephone number ot the furnisher of this infomaiton -Section 611 ( a ) ( 1 ) ( A ) by not doing a reinvestigation once given information the the reporting was wrong.

-Violation of Section 611 ( 2 ) ( A ) by not notifying the furnisher of the dispute because they told my clearly they don't have that information.

Violation of Section 609 because I was given the proof requested this information was verified So as I stated the correct furisher isn't licet on my credit report and Experian is in violation for not honoring my Method Of Verification request under FCRA
Consumer complaint received 2018-05-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I tried to modify my mortgage as I am XXXX. I could no longer work and had to leave the workforce in XX/XX/XXXX. I had be able to continue making payments with the assistance of my finance. 
I was not able to keep up with the mortgage payments when we broke up. I asked for a remodification and they refused. I stopped paying on my mortgage and now I have filed a bankruptcy to keep my home. 
Wells Fargo refuses to remodifiy my mortgage and wants to sell my home. Ive been here for 13 plus years. It is my home and I would be literally homeless. 
Wells Fargo says that I do not make enough to stay in my home nor do I make enough money to declare bankruptcy. 
They have foreclosure and the next auction date is scheduled for the XX/XX/XXXX. 
I want to keep my home and am trying to get a part time job with the XXXX XXXX XXXX California. 
This would help my income level and I absolutely want to keep my home and Wells Fargo isnt willing to help a XXXX person like me.