davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (IL)

I am appalled of the way US Bank has handled my loan. I have tried to work directly with my specialist however, US Bank has only sent me letters stating they will have a decision soon but nothing is getting done. US Bank is prolonging my case and not providing me my settlement. I am livid because I have wired over {$200000.00} to US Bank and they still want more money. I do not have any additional funds available I gave US Bank all the money my husband received from a severance package of {$20000.00}. I wired all the funds to US Bank and they did not give me any credit until I started to complain. I need my settlement as I was told through a recorded call. I do not want to involve any attorneys therefore, I hope US Bank can pull the recorded calls because is not fair that I gave them all the money me husband received. To make matters worse I was not able to use any of the funds to pay my husbands hospital bills ; this is really devastating.
Consumer complaint received 2016-11-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

The basic, urgent problem I 'm having is with the loan servicing company giving false information regarding the status of a foreclosure sale date. On XXXX XXXX, 2016 a loss mitigation request was submitted to Ocwen Loan Servicing. On XXXX XXXX, 2016 a follow-up call was placed to Ocwen regarding the status. Representative ID Number : XXXX answered the call at XXXX. This same representative stated that documents were received. This representative also stated there is NO foreclosure sale date in the system. During this call several additional request for him to re-check again. Again this Ocwen representative stated there is no sale date. The representative was told that a website had the property up for auction on XXXX XXXX, 2016 ... Again the Ocwen representative stated, there is no sale date and that it will take approximately 30 days to review for loss mitigation options. On XXXX XXXX, I checked the status and was told by Ocwen, this information was incorrect and that the property would be foreclosing tomorrow at XXXX. How can it be legal to give false information regarding a foreclosure/trustee sale which restricts any legal options I could have exercised if I were given correct information by Ocwen.
Consumer complaint received 2016-11-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (MI)

My complaint is directed towards Regional Acceptance Corporation. I have had a loan with them for two years. My outstanding balance is not going down at all and they charge {$10.00} per day that the payment goes past the due date. In my particular situation, I had poor credit due to a loss of a job which in turn I lost my house, car etc ... ..this is the only company that would accept me, this is something I HAD to do as my mother was ill and I had to travel long distance every weekend to care for her. I lost my mother in XXXX of this year and due to the travel back and forth became late on my payment, I have never been 30 days but sometime close. My monthly payment is {$500.00} on a XXXX XXXX XXXX, now they are charging {$10.00} PER DAY late fee plus their late fee, the loan is not moving! It will never move, I will be paying this for the rest of my life! My credit is now in good shape, I just received an approval letter for a home loan, I tried to get a modification with Regional Acceptance and they said they do not do modifications! I was approved with my credit to refinance for {$200.00} less per month BUT my loan is under water and no one will touch it! The car value is approximately XXXX and I owe XXXX!!!! This is out of control! It has to be against the law somewhere for these people to take advantage like this. They are all over the web with similar complaints.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Got an Experian credit report as suggested by XXXX sheriff 's office. I want to refute XXXX items on the report. No matter how many times I call, I can not get a live person on the phone. the following address in XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX it is not now, nor has it ever been our address. 
There is also a Credit card with a {$4500.00} balance. We did not charge anything in that, or near that amount, nor do we carry balances on our credit cards. This may be something regarding the call we got from our XXXX XXXX Card approximately a month ago, someone tried to charge {$4500.00} at XXXX XXXX, after speaking to us, they did not approve the purchase..
Consumer complaint received 2016-11-09
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Brelvis Consulting, LLC (FL)

I needed to consolidate my student loan because I needed an extension of time to pay and a company on line said they would do the consolidation, but I would have to pay {$1000.00}. They ended up submitting my loan to XXXX XXXX. I just spoke with XXXX XXXX and they told me that their service is free and that I should not have had to pay anything. Can you help me to get my money back?
Consumer complaint received 2016-11-09
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Platinum Holdings Group, LLC (PA)

The person in the name of XXXX XXXX said he was from XXXX called and advised they are trying to serve me papers at work. Then I asked what for and he refused to give me information about the debt. Then he told me they were going to serve me with papers at work. I told him to stop calling my boss and they said they can call whoever they want. My boss told me she was getting HR involved. I could lose my job over something that is unsubstantiated. Plus, they are giving out my personal information which is in violation of the privacy act. 
Their phone number is XXXX and his name is XXXX XXXX. He is very nasty and threatens me a lot.
Consumer complaint received 2016-11-08
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

I was selling jewelry online from XXXX list to get caught up on my bill '' s. 
A buyer sent to me {$1500.00} dollar '' s which i deposited in People '' s United Bank. 
In XXXX after the check cleared, i was told to forward the money by XXXX XXXX. 
I was told to keep {$100.00} dollars for the price of the jewelry.after the money was wired by XXXX XXXX, after i went to my bank to with draw my money from my XXXX check and the bank stole my XXXX check which left me with nothing.I am a XXXX patient, i have to have XXXX and also XXXX four times a day. 
I ca n't pay my rent, gas and electric and also i cant even by food for my service dog. 
The banking XXXX office Social Security and the police officer all told me that people '' s united bank would work with me so i can afford my living expense '' s this month. 
They refused to help in anyway.After the bank cleared a bad check they confiscated my XXXX check, the bank manager XXXX XXXX was willing to help but she said corp office refused.I have other XXXX beside the XXXX and i cant get any of my prescriptions. 
Most likely will be in the hospital due to XXXX.I am broke and need help.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2016-05-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I have an FHA loan. My lender has refused to work with me so that I can save my home. I have a monthly mortgage payment which is XXXX % of my income. I have an XXXX-year-old XXXX living with me who gets XXXX and I have my wife and our XXXX children living with us and our grandson. I have repeatedly tried to work out this situation with the lender. Turning in several modification packets that were denied before the deadline for turning in the packet. Then at the last minute ( 3 weeks before the sale date ) we were sent a modification packet ( XX/XX/XXXX ) that we were suppose to have a 30 day period to turn in. We turned it in on XXXX XXXX, 2016 before the 30-day period was over and then called and found out that they denied us and said we were too late getting it in. My house is scheduled to be foreclosed on XXXX XXXX, 2016. Please help.
Consumer complaint received 2016-05-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (VA)

I was attempting to book a rental property and I was given the owners ( XXXX XXXX ) Wells Fargo Bank account info to deposit/wire the money. I went to a Wells Fargo branch and had them verify that the owners account looked to be legit account. They said it looked legit, but could n't say anything else. I felt more comfortable with depositing the money. The bank created a certified check for {$2700.00} from my Wells Fargo account and deposited it into what i was told was the owners account. 
I did more research the night I deposited the money and feel like i was part of a scam. My wife and i called Wells Fargo and found out that I would have to go into a branch to try and stop payment. 
I went into the bank at XXXX ( 21 hours after making the deposit ) and explained the situation and wanted to put a stop payment. They told me I had to go the legal route on this and they could n't do anything. 
I just received another email from the " Realtor '' ( XXXX XXXX ) saying that my certified check did n't clear. This is making me even more concerned that they are going to ask for more money and/or not provide any services ( rental property ). 
I was looking for the bank to care about cancelling the check from my side, but they seemed bound from doing anything. They also did n't seem to care that one of their accounts could be involved in a scam. 
After calling Wells Fargo around 10 times, someone actually filed a research claim to look into the check, but I still do n't get the feeling that Wells Fargo is going to take this serious.
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Access Receivables of NC Inc. (NV)

Our Business has been getting repeated very harassing phone calls from Access Receivables and their employee XXXX XXXX in regards to a debt with XXXX XXXX that we do not owe. He continues to call and yell at myself and our employees. He is attempting to collect debt that we do not owe and has not provided any proof of the debt. They have sent us copies of old contracts, but what they have sent is not current and does not support their claim of the monies owed. They have said it is early termination of an internet service contract, but FCC has banned early termination fees in business data services, so that point is moot. I have told XXXX many times to stop calling and he has ignored this request. He has called repeatedly and upset employees at our business that have nothing to due with vendor interaction or financials by being rude, disrespectful, and yelling. 

All bills have been paid through our cancellation date of XXXX/XXXX/2015. Actually we paid our bill for the entire month of XXXX 2015, so there would be no problems. That seems to have not been the case. There has been nothing but problems and actually XXXX owes us money and not the other way around if we were to push the matter. See our correspondences attached that were mailed and emailed to XXXX. I spoke with them about cancellation prior to ending service and provided all they requested. They even came and picked up the equipment in XXXX 2015. At this point we need all contact from the collection company to end. No more phone calls harassing our staff and telling our staff how bad they are and the verbal defamation of our company to our staff. It has been completely unprofessional.
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have cancelled a creditcard issued by Bank of America the year of XXXX, for fraudulent issue, I have requested it closed since then and have not used the card. Last year XXXX I was suprise to see a charge of {$99.00} on that closed account. I called the BA credit card nos. and dispute about such transactions and question them about why was there a charge on my account and it was closed .They answered it came from XXXX XXXX, and I told them so what the card was closed why would you allow it to be used. The person I spoke to said in that time said they will take care of it. 
I never had access to that account anymore for it was closed, it was also never connected to my online banking, at that time. 
Today I discovered through the email message from that bank sent to me, that the original {$99.00} charge was now incurring an interest and they kept the account open even if requested it closed for 2 years now.Again I called the Credit Card nos./company and dispute about it, and I was informed as long as there is a recurring charges, even if the account was closed by the customer, it will still incur charges.I called the company that keep charging my account and informed them to stopped those charges for the account was closed, I was told that they were never informed the account was closed, because the charges kept going through. 
So with this conversation and discovery I as a customer has no total security and control over this closed credit card because of this ridiculous activity of Bank of America, I ca n't even used the said credit card but a certain company can keep using them on my behalf. 
What happened to my rights as a consumer?
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2016-05-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (HI)

In XXXX of 2014, my family relocated from XXXX to XXXX. In the process of switching bank accounts and payment information, I switched the automatic payment account information with Wells Fargo Dealer Services. Because of a time lag in processing, I missed a month 's payment. Unbeknownst to me, this has been following me ever since. I have autopayments setup and e-statements sent. At no point did I receive correspondence from Wells Fargo that the delay happened, that I was accruing late fees, and that they were reporting to the credit bureaus that I was always a month behind in my payments. It has had a severely negative affect on my score. The only reason why I found about this was because I called them about starting a new loan and the agent caught it. I am now three weeks without resolution from them and I am being charged over {$600.00} in late charges. One agent said that they had been trying to get in touch with me with the old phone number on the account and not the current one that I submitted when I updated my account information. I have followed up with phone calls only to be told that a " manager '' will get back to me. I submitted paperwork to their XXXX but heard nothing. My payment history supports my on-time payment history and how quickly I would have responded in fixing this. Their poor communication and systems management results in the consumer suffering. When I went to get a new auto loan, my score prohibited me from getting a better auto loan rate and I know it was affected by this loan.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2016-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (PR)

Yesterday I received the list with the rehabilitation checklist and I am going to return the information requested tonight. I am going to summit all the information requested because I am desperate and I want to find a way to finally end this nightmare, but that does not mean that this is a fair deal. For the last two years, with a big sacrifice, {$200.00} a month have been deducted form my check to pay my {$2100.00} student loan. In simple math {$200.00} X 24 month = {$4800.00} or more than twice the total amount of the loan. During those XXXX month, I never received any information from Transworld letting know the balance due or any information about my rights, you only collected the money and that was it. But I finally got tired of paying and decided to call and ask for information and after calling more that XXXX different phone numbers, ( I was transferred from one to another and to another ) I finally got in contact to a person called XXXX XXXX that informed me that if I wanted to put an end to this nightmare my only option was to continue paying the {$200.00} for 10 more months, plus a additional {$5.00} charge for 6 months and after that my loans was going to be pulled from " default '' and I was to be able to pay my principal. That means that {$4800.00} + {$2000.00} = {$6800.00} and then star paying the principal? How can a deal like this could be legal? I know that the collection Offices main business is to collect, but taking money away from a person with a {$12000.00} net salary a year? I am going to do my part of the deal, but I am letting you know in advance that I am going to look for legal help and I am going to start sending letter to the Congress, to the newspapers and even to Obama at the White House, to let them know how unfair people with students loans are crushed by the collection offices. 

Thanks XXXX XXXX XXXX account # XXXX
Consumer complaint received 2016-05-19
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Advance America, Cash Advance Centers, Inc. (RI)

I took out a XXXX advance in 2009 to advance america.I get a threatning call today saying I need to pay them XXXX this month or thell take out of my pay.they said the tried to attempt to send court papers to my old adress and it went unanswered.this isnt fair.this happened to me few months ago with someone else and they took XXXX mo iut of my pay.can I file bankrupcy to avoid this? I never got a chance to give court my answer