davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (CA)

Submitted Visa dispute with bank, dispute ending XXXX on XX/XX/year>. Bank failed to issue provisional credit in the amount of {$54.00} for goods not received in violation of Regulation E, and terms of my account. 

PNC was notified XX/XX/year> that I have not received any credit, nor any documents from them requesting any additional information on the dispute
Consumer complaint received 2016-04-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I signed up for XXXX XXXX XXXX received modem via the mail- upon installation, the equipment was inoperable. Contacted XXXX, and they sent out a technician who could not fix the issue. Never had working service- became dissatisfied with the company and switch to XXXX . XXXX billed me for the month I had no internet service. Contacted a representative from the company who indicated that they would resolve the issue. Upon reviewing my credit report, discovered that not only was it, was not resolved, it posted as a derogatory account.
Consumer complaint received 2016-04-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The bureau is reporting false information on my behalf regarding my personal information, as well as false accounts that are not even mine and I have no knowledge of. I would like these accounts removed from my file as its is hindering me from utilizing my true credit.
Consumer complaint received 2015-08-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (TX)

On XXXX XXXX, 2015 a complete short sale packet was sent to the lender. We followed up daily to see if there is a status update on the foreclosure sale date postponement. EACH time, they were having difficulty authorizing agent XXXX XXXX XXXX and took several minutes to dig through and find the authorization sheet. Every update they gave XXXX XXXX was indicating that docs are in and under review. It took more than a week for them to simply let us know they needed bank statements dating back to XXXX and to advise they did n't receive forms ( RMA, HUD1, Articles of Incorp, and XXXX ) to which we definitely sent and have confirmation of submission. They are very unorganized and are showing lag in response time which is resulting to our foreclosure sale date approaching quickly ; as a request to postpone has yet to be placed.
Consumer complaint received 2016-09-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

I had a Mortgage with Wells Fargo. That was paid in full on XXXX XXXX. XXXX, Received satisfaction of Mortgage. On XXXX XXXX XXXX, two years after the mortgage was paid in full. I received derogatory notification from my credit tracker stating that I was delinquent on a Wells Fargo Mortgage with an account number that was not mine. I contacted Wells Fargo numerous times to try and get this issue explained a resolved. After weeks of phone calls and correspondence I was told that Wells Fargo would fix the credit reporting issue. On XXXX XXXX, XXXX I received another derogatory credit report. It appears to me that Wells Fargo went in and removed an account number that was not mine and substituted the real account number and are now reporting that account as delinquent as if it is still open? I called Wells Fargo today XXXX XXXX, XXXX and spent over 1/2 hours talking with 3 people to no satisfaction. The impact of this situation has caused XXXX and financial grief. I had lost XXXX of dollars as a house purchase fell through. I believe Wells Fargo went in and changed the reporting mortgage number to my old mortgage number which was paid in full and satisfactory over 2 years ago. I believe they opened a mortgage in my name with out my knowledge.I believe the person in the corporate office tried to convince me that the reporting was correct when I questioned him and informed there were no derogatory reporting after the mortgage was closed until the bogus mortgage number appeared. then you change the mortgage number to my real number when I raise th issue that the mortgage number was not mine. This has caused me XXXX of dollars and I believe that Wells Fargo has tried to avoid an issue of acct in my name that was not mine.. Person in corporate was XXXX XXXX the first manager talked with was XXXX XXXX after speaking with customer service. Something is most definitely wrong here. Please help.
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

I need some help on getting the harp program before it expires. Wells Fargo only wants money no help. They call when I am sleeping and when I try to call back all I get is a voicemail for the last 3 yrs I try to get them to call back and let me know when XXXX call. No call backs. They said my payment was based on what we made that was including my XXXX got out of 401 k to pay doctor bill and survive. Now things have slowed down again and I trying to catch it before I get behind again.
Consumer complaint received 2016-09-29
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

XXXX real estate accounts with Select Portfolio Servicing are reporting on all XXXX of my credit reports. Select Portfolio Servicing has continued to break the law and report inaccurately to the XXXX credit bureaus. They have violated the FCRA over and over again. In particular they have violated FCRA Section 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ). They had 30 days to report that I had disputed their the accounts and after numerous letters to them it has only been in the month of XXXX that they added the dispute language. Well after receiving numerous letters from me, asking them to validate the debt. In addition, to the above egregious acts they continue to report the amount wrong, they keep re-aging the foreclosure and charge-off. I have NEVER received foreclosure documents or charge-off documents. Lastly, I was told today that my accounts had be transferred and they have no information that they can provide me with however, they have enough information to keep inaccurately reporting to the credit bureaus. I believe that their actions are egregious toward me and as a direct result should be removed from all XXXX of my credit reports. I have pulled reports without the dispute language and reports with the language. 
I 've reached out to all XXXX credit bureaus only to continuosly responded with scripted information. XXXX ignore my concerns, talk extremely rude to me and have refused to help me. Please help me.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Everyone 's familiar with those Capital One credit card ads on TV where they say " use our card and get frequent flyer miles on the airlines ''. They use movie stars like XXXX, XXXX, XXXX. Turns out those TV ads are a complete misleading lie. Capitol One has their own private definition of what constitutes frequent flyer miles, vs what we, the general public thinks. I had XXXX miles with them. Think you can fly to the other side of the world with them and back -- -- first class no less? Wrong!! Turns out what they 're really doing is giving you {$.00} credit for every XXXX mules you 've earned. Then you have to go through their website to list on an airline. It was still going to cost me some {$1200.00} plus. I instead went on XXXX and bought the ticket for {$900.00}. I want to sue them for false and misleading advertising.
Consumer complaint received 2016-05-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

Situation 1 : I notice {$15.00} deducted from my account. The bank states that my account was credited and they are now collecting their funds. I do not believe this to be accurate. 
I attempted to view a detail version that would explain everything in whole but they denied me. 

Situation 2 : I need the overdraft fees corrected on my account. The last overdraft fees charged to my account were to be placed back once my claims were processed but after the claims were processed - the fees were never adjusted. 

Please advise.
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (WA)

Alliance One is a contracted debt collector of the state and more precisely XXXX XXXX XXXX. They claim that I did not pay on the XXXX of XXXX, and I can actually prove this with the recorded phone calls and my bank. The unfortunate outcome of this is that I will have to pay XXXX dollars to keep my license, which I need in order to get to work to even pay any of this money. They have made false statements saying that I did not submit it until the XXXX in order to force the money out of me more quickly, when I have no way of being able to pay that amount. This is very predatory and should be looked into. They have basically lied to me and are being allowed to punish me legally for something that they had wrong. It is n't my fault the company made mistakes, and I will not be defrauded in order for them to make an extra bonus for collecting a debt that is wrongfully being presented. I will now not be able to pay any of the money to them. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX Wa XXXX. I am planning on filing a Complaint and Summons by myself for predatory lending practices under the Consumer Protection Act and ask for damages in the amount that I would make in a years wages. Please look into this.
Consumer complaint received 2016-09-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I spoke with XXXX from their office regarding Acct # XXXX - {$230.00}. I paid the bill in full confirmation # XXXX on XXXX XXXX, 2016 and XXXX agreed to have the account status be updated immediately with an account deletion from my credit report. Account is still listed as open and unpaid on my credit profile. I have contacted them numerous times via calls and email and letters.
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (OR)

ON XXXX XXXX2017 I SENT iMORTGAGE ( LOANDEPOT ) ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX ) XXXX 'S PAYMENT WITH ADDITIONAL MONIES INCLUDED IN THE PAYMENT CHECK, IN THE AMOUNT OF {$12000.00}, TO BE APPLIED TO PRINCIPAL ONLY. THIS OPTION WAS OFFERED TO ME ON THE PAYMENT COUPON, WHICH I FILLED IN. THIS WOULD HAVE BROUGHT MY LOAN PRINCIPAL TO XXXX ( {$0.00} ) THE CHECK CLEARED MY BANK ON XXXX XXXX, 2017. 
ON XXXX XXXX, I RECEIVE A PAYMENT STATEMENT FOR XXXX, WITH A PRINCIPAL BALANCE OF {$12000.00}. THE {$12000.00} I SENT THEM HAS BEEN DESIGNATED AS PARTIAL/UNAPPLIED PAYMENT. AND THEY CONTINUE TO CHARGE ME INTEREST EVEN THOUGH THEY HAVE THE FUNDS TO BRING MY BALANCE TO XXXX. 
I CALLED XXXX XXXX XXXX XXXX AND SPOKE TO XXXX XXXX, DURING THE CONVERSATION I WAS INFORMED THAT THE COMPANY COULD NOT ACCEPT PERSONAL FUNDS FOR PAYOFF ; IT HAD TO BE CERTIFIED CHECK OR BANK WIRE, OR THOSE TYPES OF PAYMENT. HE ALSO SAID I HAVE NOT REQUESTED A PAYOFF, WHICH IS DIFFERENT THAN THE BALANCE DUE ( {$12000.00} BY XXXX/XXXX/17 ). FAIR ENOUGH. 
I TOLD XXXX THAT WITH THE {$12000.00} ADDITIONAL PRINCIPAL BRINGING MY BALANCE TO XXXX, I EXPECTED THE COMPANY WOULD CONTACT ME WITH INSTRUCTIONS ON HOW TO CLOSE THE ACCOUNT, BUT THE ONLY COMMUNICATION I RECEIVED WAS ANOTHER PAYMENT COUPON FOR XXXX. 
HE ASSURED ME THAT THEY WOULD REFUND MY {$12000.00} { HOPEFULLY BY XXXX/XXXX/17 } AND HE IS SENDING INSTRUCTIONS ON HOW TO PAYOFF MY LOAN, INCULDING A PAYOFF AMOUNT GOOD UNTIL XXXX/XXXX/17. 
SO MY QUESTIONS ARE THESE ( A ) HOW CAN THEY CASH MY CHECK AND REFUSE TO TAKE MY ADDITIONAL PRINCIPAL PAYMENT AND ( B ) SINCE THEY HAVE MY FUNDS TO BRING MY BALANCE TO XXXX CAN THEY JUST SAY NO, AND CONTINUE TO CHARGE ME INTEREST?
Consumer complaint received 2017-02-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Cadence Bank (MO)

I requested Bancorp South close my checking account and was specific that if there was an early closure fee, to notify me first before closing it. After several communications with them prior to this request, not once was an " official check fee '' mentioned. I would have transferred the funds to XXXX before closing had there been a fee, and I specifically requested to be notified in the event there were fees to close. I want my {$6.00} refunded to me.
Consumer complaint received 2016-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (NC)

Lender reporting loan to Credit bureaus after multiple transfers, so XXXX loan shows as XXXX loans, which severely damages my credit score. 
Loans from XXXX XXXX show as : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX from XXXX XXXX XXXX show as : XXXX XXXX XXXX XXXX XXXX Most of my student loans are repeated multiple time as XXXX and XXXX XXXX XXXX XXXX. All Credit bureaus are not even all the same and this is ridiculous. I was in school until XXXX and all loans should have been in deferment, so there should have been no late or default prior to that, but there are. I also had multiple forbearances granted, so there should have never been a late payment recorded. I am currently XXXX and have been since XXXX, all federal loans were transferred to XXXX and were forgiven, yet still being reported by banks individually, so multiple reportings for the same debt. I will be attaching a copy of XXXX of my credit reports to show this problem. 
I attended XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Other fee — 
Company: Bread Financial Holdings, Inc. (GA)

I had a service done at XXXX, at the time the promotion was XXXX % off of XXXX. The way you create an account with them is by credit check and you have a limit amount you can use with the store. I was approved, and the way it was explained to me is as far as you do not make late payments you will not have any additional fees. 
I have made every monthly payment since XX/XX/2015, started at {$3600.00}. My XX/XX/XXXX statement was {$980.00}. Each payment has to be schedule because they do to allow an automatic payment, so it is easy to forget, either way I normally set 2 months in advance, because it will not let you set more than about 50 days of payments. The day the payment is received I get an email confirmation and the new balance, so I rarely go look at my statements. On XX/XX/XXXX I go to my account to set up a payment for the XX/XX/XXXX which is due XX/XX/XXXX and the balance is {$2100.00}. I look at the charges and it shows that I had an interest charge of {$1200.00} on my account XX/XX/XXXX which is in between statements. I immediately call their customer service and what I am told is that I had 4 days to dispute the claim. I was not aware of the charges ( I do not have a reason to go on the website if I set up payments for 2 months in a row, ) or of the end date of the " promotion '', or else I would have aid the account in full. I offered to pay my previous balance in full before the interest charges and they gave me no answer to this.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I rented a residence from XXXX XXXX in XXXX MN. the rental payment was {$1100.00} per month. The property was located at XXXX XXXX XXXX XXXX MN XXXX. I rented the property from XX/XX/XXXX through XX/XX/XXXX with no late payments or other issues. XXXX XXXX informed me that that have an agreement with Experian Rent Bureau to report all rent payments on your credit report. However, the information is not showing up on my credit report. I called XXXX XXXX and asked if they could report the information and they told me to file a dispute with Experian Rent Bureau and they would verify the information and it would be reported on my credit report. I filed the dispute and Experian Rent Bureau told me they do n't do that they only monitor credit. They also said maybe when renters warehouse set up my account they did not click the button to submit my information. I reached out to XXXX XXXX again and they gave me the same information. Both companies are telling me its the other companies responsibility to report. I just want the positive credit information reported. If they are unable to report then they should remove any negative items, that seem to find a way on to the credit report very easily. This would significantly improve my overall credit score. I attached the emails back and forth between myself and renters warehouse. I have been trying to resolve this issue since XX/XX/XXXX. The contact information for XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX. I attached all the supporting emails.
Consumer complaint received 2016-05-26
Product: Consumer Loan — Title loan
Issue: Charged bank acct wrong day or amt — 
Company: CURO Intermediate Holdings (AZ)

SPEEDY CASH XXXX promise if I paid off this account they would remove from my credit in 30 days however, refuse to do so after taking my payoff money. I was charge fees however, I told them that I only got paid once a month they charge me twice within a month over drawing my bank account.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Filed a dispute for bankruptcy listed on credit file Dispute came back verified, however the clerk of courts in XXXX XXXX stated they do not verify any individuals bankruptcy information to the credit bureaus or any third party for that matter. This bankruptcy listed has been vacated to my understanding and therefore should be deleted from my credit file immediately under the FCRA. Another Credit Reporting Agency has already done so after properly investigating, see attached.
Consumer complaint received 2024-11-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TRUSTMARK CORPORATION (TN)

Spoke with Trustmark bank several times to get assistance with my mortgage the loss mitigation dept. told me there were not any option available to help me with my mortgage.

Submitted mortgage assistance application with my financial income XXXX, 2024. 
Foreclosure sale my home is XXXX XXXX. 2024. Trustmark is unwilling to assist me with keeping my home out of foreclosure. I became late on my mortgage because of being unemployed, work hours being reduced, laid off from work several times including covid pandemic.
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NJ)

Hello, my name is XXXX XXXX and I have owned my home in XXXX, New Jersey for 33 years. I am facing a foreclosure auction next month because the company that owns my mortgage Caliber Loan Servicing is refusing to consider any options or giving us a chance to save our home. We know that Caliber could work with us and do something to lower our interest rate ( currently at XXXX % ) or even change the term of our loan ( only 10 years left in the term ) to make the payment more affordable but they refuse. This problem began when the loan was with XXXX ( part of XXXX ). You see I had worked for 40 years as a XXXX but during the financial crash in XX/XX/XXXX I lost my job. I could not find work and survived on unemployment and drained the XXXX that was supposed to be my retirement in order to keep the lights on. 

We began reaching out to get some help for the mortgage at that time but were told the only option was a repayment plan which was temporary and raised our monthly payment. XXXX claimed that since they were not a United States bank and did not take bailout funds that they did not have to help us or work with us. This was heartbreaking and seemed extremely callous. I was not surprised when I found that they were fined XXXX dollars by the government for their unethical foreclosure and business practices. I finally went back to work in early XX/XX/XXXX. I resumed making my mortgage payments until I was laid off of my job about a year ago. During this time period the loan was transferred to Caliber. I once again fell behind on the mortgage and have not been able to find any full time employment ( working doing XXXX work and receiving some unemployment ) that would allow me to resume making my full mortgage payment. 

When that happened I began trying to engage with the agents at Caliber but have made no progress and feel that they are purposely obstructing me from available options in order to push me into foreclosure. I want Caliber to review my current financial circumstances in order to qualify me for any government or internal programs that they have. I am certain that they have the ability to modify this loan by extending the term or lowering the interest rate from XXXX % in order to make this affordable, yet they continually turn your back on us. I also believe they have the option to forgive delinquent interest or to wrap it back into the balance of the loan or even defer it till the note comes due. Why wo n't Caliber even consider these options or give us the time of day? Now they have set a sale date for XXXX XXXX. I know we are behind on the loan, but we expect that Caliber at least provide options for saving our home and to communicate with us regarding these options.