davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC (CA)

I settled this account in full for pinnacle credit services through XXXX financial corp on XXXX/XXXX/2015 they updated my credit report to show the balance decreased did not show account has been settled in full when calling them they play games blaming it on the credit bureaus. This account needs to be updated
Consumer complaint received 2015-06-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

We are self employed and were going through hard times in XXXX when the economy crashed and found it difficult to keep up with our mortgage. We turned to Wells Fargo for help because our interest rate was very high at 6 %. They gave us a temporary reduction in our interest rate and payment that was only good for XXXX months in XXXX XXXX. Once the XXXX months were up our rate went back to 6 % and we could no longer afford to make the payments. We tried working with Wells Fargo but they would not help us so we hired the XXXX XXXX XXXX in XXXX XXXX to work with Wells Fargo. Wells Fargo has refused to help us because the investor will not allow a permanent modification. We have done our part by making the XXXX monthly payments which we could afford. We do not want to lose our home where we raised our children. We are requesting that Wells Fargo permanently modify our loan so we can continue to make payments and stay in our home.
Consumer complaint received 2016-01-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (CA)

My freshman year, I needed to take out a private loan on top of my federal loans in order to afford college at XXXX University. This was in XX/XX/XXXX-XX/XX/XXXX and I borrowed around {$21000.00} from Wells Fargo. I have continued going to school on and off in the years since and I am XXXX classes away from graduating. I switched to the XXXX after completing two years at XXXX. Meanwhile, I 've had to work full-time for most of these years and I have also become a mother. My debt -- just from this XXXX loan -- is now around {$31000.00}. My total debt is {$100000.00} including all the federal loans and a XXXX private loan. I do n't know how I 'm ever going to repay this amount. This semester, I am taking more time off in order to work full time and start paying off the loan, particularly because Wells Fargo has been harassing my co-signer ( a former teacher/mentor ) and affecting her credit as well, but I also really want to finish my education.
Consumer complaint received 2015-12-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CURO Intermediate Holdings (MO)

Hi, Wow, where do I start? I took out an installment loan with a company called Speedy Cash to pay for registration for a new car after my old one was totaled. I was in a bad way, in a difficult job not making a living wage, and had just borrowed money from family to buy the car. I really needed the money, so I took the best deal that I could find. Bad move. 

My credit is n't great ( though it 's light years better than it was even a year ago ), so my loan options are less awesome. Paying Speedy Cash is fairly straightforward, but my issue is with their ACH authorization. 

I now know that I never should have signed that document. I understand that I have the right to revoke authorization, but their agreement stipulates that if I revoke authorization they 'll attempt to withdraw the full amount due for the loan from by bank account via preauthorized draft. I would like to revoke ACH authorization and pay monthly on agreeable terms, but that provision makes revoking authorization impossible. 

I understand that I agreed to this and that there are consequences to that, but still, it seems that this is n't a great situation to be in. I do n't know if you folks can help me, but I sure hope so. 

-XXXX
Consumer complaint received 2015-07-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management , Inc. keeps sending me debt collection notices for a XXXX card that has been paid off and when I tried to tall to one of their collection managers they keep insisting the debt is valid and it is not. The account was paid off in full to XXXX 's and I have a copy of the cancelled check. It is also showing up as a derogatory remark on my credit report and they wo n't correct it.
Consumer complaint received 2016-01-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GOLD KEY CREDIT, INC. (NY)

GOLD KEY CREDIT SCAMMED ME THEY NEVER BILLED MY INSURANCE I GAVE THEM MY INSURANCE INFO THEY PURPOSELY DONT BILL INSURANCE TO SCAM PEOPLE AND PUT THINGS ON PEOPLE CREDIT REPORT WHICH IS A VIOLATION OF THE LAW.
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (MN)

On XXXX I contacted my bank regarding a fraudulent charge on my credit card. Then as my XXXX was going through my past statements we came across another fraudulent charge which I reported today XXXX My bank is XXXX XXXX Bank I contacted them at XXXX Because of some health issues and a hearing problem I asked my XXXX to be on the call to help me. The first person we spoke to at the bank was exceptionally rude to us, stating that he would not speak with my accountant even though I gave my permission to do so. I asked to speak to a supervisor and was put on hold for 25 minutes at which point I hung up. We called back immediately and this time the person asked for my permission for my XXXX to be allowed to take part in the call, I said yes and everything proceeded, why did the first person apparently lie to me in this regard and put me on hold for all of that time. I reported that I had XXXX fraudulent charges of {$3500.00} and {$2000.00} The lady I spoke to in the fraud department was about as helpful as the first gentleman and just as XXXX. She said she would file the fraud charges and maybe I would get my money back or maybe not. What the XXXX does that mean? I never authorized or took part in those charges in any way and explained that fact to her. My XXXX said that I have a XXXX liability when it concerns identity theft and or fraudulent charges, which these are. I will be changing banks next week without question.
Consumer complaint received 2024-10-02
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. (TX)

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 2015-12-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I had receive a check in the mail for XXXX that was given to me from a friend who needed money. I went to bank on XXXX to deposit the check and bank teller deposit money into my account. I ask bank tell if the check going to be clear on XXXX and she said, '' yes '' that it would be in my account XXXX morning. when I check my bank account, the money was in my account XXXX morning. The local bank of America that I bank with, used the money for my purchase that I have made last week to pay for a bills as well. I went to the local XXXX to get a money order to send to a friend. the first money order went through with no problem and second one did not cause bank put a hold on my debit card thinking that it was a fraud or somebody using my card. so I told them to cancel check for XXXX and that I was going to go see if XXXX going to give me back the money. customer service department of bank of America told me that they going give me back money and put it into my account at midnight it never went in. XXXX, I got paid with my regular pay check and bank took that money as well to pay for my bills. only thing that see that bank did was reversal of the XXXX in my account. the whole time neither bank nor customer service never call to tell me that check that I deposit into my account on Monday was no good. I also have fraud protection on my account. I call customer service on Friday about my account, they told me that they sent XXXX check back to owner and that he put a stop payment on the account. so they charge me XXXX fee and XXXX for my account being over draft. they said that I have pay them the money or the friend that sent check have to pay them. this was from my local bank of American who I talk to one of local manager at the bank.
Consumer complaint received 2016-03-18
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (TX)

First, the Buyer needed a POA for his wife. We sent it to Calibur Home Loans for them to approve and complete with whatever requirements they have for a POA and make sure the names where what they were going to require. We sent a XXXX XXXX to the wife in Colorado at a cost of {$170.00}, we received it back Wednesday and now XXXX is saying it does not meet their Criteria. This loan should have closed at the end of XXXX, they are still not ready to close it ; however, they are going to lower the interest rate by XXXX today and say they do not have to Re-Disclose for that and that the wife is now going to have to sign in Colorado and that is another {$170.00} cost to the Borrower. We still do not have any documentation from them at all. 

We also have another closing set with them for XXXX and the Buyer just got here we have no docs for that closing either, because they need to raise the Seller Concessions by {$1600.00} and that just came up today. 
I do not understand how Lender 's especially Calibur is Disclosing and the people are not even approved for the Loan and we do not get the documents in time for their set Closing Time. 
I thought the whole point of all the new CFPB Guidelines was to eliminate that kind of stress from Borrowers. 
It has not accomplished XXXX thing for most borrower 's with this Lender especially. 
This seems to be the normal way they do business.
Consumer complaint received 2015-12-24
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (TN)

In my divorce it states that my ex husband is responsible for everything with the house. I signed a quit claim deed in the process as well. I am the primary borrower and he is the secondary borrower. I found out that he modified the loan without my permission. I called the lender to see if he had signed my name. They said they only needed one signature. I explained that I know you always need everyone 's signature. They stated that since I signed a quit claim deed they did not need my signature. After signing the quit claim deed I found out that the quit claim deed has nothing to do with the loan. After explaining this as well they told me sorry that 's the way it is. I stressed if they do n't need my signature then they do n't need my name on the loan and to remove it. They said that was not how it worked and just kept repeating that 's the way it is.
Consumer complaint received 2016-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MI)

Dear CFPB, Thank you for handling my complaint with Wells Fargo. My complaint # XXXX and after submitting my complaint, I sent a letter to you to add to my file. I see that it did not get added so basically this is what WF replied. 
I had a 30 year loan with 11 years of payment history. My son has been handling this as I have been ill so this is what WF came up with and I believe that this " modifacation '' is not what the HAMP program was thinking of ... but leave it to WF to figure out a way to get them more money and me further in the hole. 
They modified my loan as this : They extended my loan to add another 10 years to it with the same 5.6 % rate and a reduction of my payment from {$1500.00} to {$1400.00}. 
I hope that you will see that only WF is gaining from this modifacation. By extending my loan out another 10 years, my loan will never get repaid as it will take me another 11 years ( or more ) to get the interest paid down before I will actually be paying on loan, not the interest. 
I do n't believe this is what the HAMP program had intended and because WF is in control of the modifacation and likes it this way, this is the only modifacation they are offering. I have no recourse. 

My son signed me up for it, but I am protesting this loan and need your help to get this rectified. 
Since this has happened, and my loan payment is still pretty high, I have been unable to make my credit card payment and my credit score is now in the poor range. I will never be able to requalify for a new loan, so I need them to go back to my 2015 paperwork and use that and not request new credit info. 
I actually believe my only way of receiving any assistance is to take them to court. 
Please, if you can help me CFPB ... I would be truly thankful. 
Best regards, XXXX
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I had a loan with Bank of America XX/XX/XXXX. I fell into hardship around XX/XX/XXXX however I still continued to make payments until I got a modification of my loan XX/XX/XXXX. While I was making payments and the loan modification was being processed Bank of America sent my loan to a attorney for foreclosure. It seems as I was making payments, Bank of America was sending my payments to a suspense account and were not applying the funds correctly making it seem as though I was late. The foreclosure was dropped after having to speak to a Bank of America district manager and him researching and clearing the foreclosure. Now I am being serviced by XXXX and they keep stating that I owe fees for the attorney and foreclosure when it never should have gone to them in the first place. I have tried over the years with no success to get this removed from my current loan and I keep getting no where. I have spent countless hours and stressed in so many ways and have been defeated. Please assist. I have my transaction history from that time showing where the funds were in the partial balance the whole time and I have the notices for Bank of America 's intent to accelerate from XX/XX/XXXX.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (IN)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2015-07-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

Previously had a vehicle loan with XXXX c. XX/XX/XXXX, which was sold /assigned to Santander USA ( c. XX/XX/XXXX ). This was for a XXXX Ford Explorer. Between XX/XX/XXXX and XX/XX/XXXX I was underemployed, then later unemployed. In approximately XXXX, XXXX, the vehicle sustained either internal or external damage to the Transmission. The Transmission was found to be in need of repairs that would cost somewhere between $ XXXX {$1500.00}. I subsequently sold the vehicle as scrap to a junkyard. 
Santander HAS CHARGED THE REMAINING BALANCE OF {$800.00} OFF. 
They are now calling me ( from : XXXX ) ATTEMPTING TO COLLECT THIS DEBT. I know longer have the vehicle.
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: MORTGAGE INVESTORS CORPORATION (WA)

We refinanced our home in 2012 through Mortgage Investors Corportaion ( MIC ) XXXX . They stated that we only pay the 2 % APR interest on the current principle balance of the mortgage and in turn pay off the home faster. We were later told that MIC was sued for fraud. We have been getting calls from other mortgage companies to refiance the load to get out of the fraudulent XXXX. What is our next step? What do you suggest? As I am XXXX please contact my husband, XXXX at XXXX XXXXXXXXXXXX, XXXXXXXXXXXX, cell XXXX or myself at XXXXXXXXXXXX or cell XXXX.
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CA)

As someone who had previously worked in the credit card marketing industry for several years and also an avid user of credit cards from most issuers, I can attest that Citi is arguably the most dishonest company when it comes to bait and switch reward bonuses. Most recently, I applied for a new credit card, the Citi ThankYou Premier, and did not receive my new card for over one month after approval. Citi blamed this on difficulties they had in their card manufacturing department, and hence, all new accounts during an appx 2 weeks period would not be receiving their cards for several weeks after approval. The problem with this is the spend bonus for the new account was XXXX bonus points for {$3500.00} in new purchases within the first 90 days and the 90 days began 10 days after approval. They intentionally delayed shipment of the card and refused to rectify it by extending the time possible for earning the bonus ( i.e. adding 35 days to the time frame, in order to make up for their delay of shipment of the card ). This adversely affected me as I was not able to earn the bonus with normal spending and had to exceed normal spending to earn it. During an approximately 55 minute call I had with them regarding this, they agreed to give me a measly XXXX bonus points for the trouble, which would appear on the next billing statement. This never appeared despite multiple reassurences via their online customer support chat that it would. Most recently, now over 3 months later, they are refusing to honor it and claiming they never agreed to give XXXX bonus points. However this is all documented thoroughly on a recorded call which they refuse to review, despite me insisting through multiple online messages, they continuously respond with a boilerplate response they ca n't help and to have a nice day.
Consumer complaint received 2015-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pinnacle Credit Services, LLC (MD)

On XXXX XXXX I sent a letter to Pinnacle to validate the debt that I owe, they received the letter on XXXX XXXX, I received a letter from XXXX date XXXX XXXX saying " Based on the content and circumstances of the enclosed letter, Pinnacle believes that it was submitted by, prepared on your behalf by, or submitted on a form supplied to you by a credit repair organization. Pursuant to 12 CFR 1022.43, such a dispute is considered frivolous or irrelevant, and no investigation must be conducted The purpose of this letter is solely to inform you that Pinnacle has deemed your letter to be frivolous or irrelevant, and has not conducted an investigation into the claims made therein. ''
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX and XXXX XXXX XXXX, XXXX, CA, XXXX
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC. (GA)

It has been brought to my attention that although I have written several letters asking for validation of debt, verification of debt, original promissory note, off ledger accounting statement I have not I am not getting any response because of the automated system you have in place which in fact is a violation as well. 
When it comes to uploading my documents on their portals, it is difficult for the consumer to upload the pending documents needed to expedite their dispute claim. They have been notified various times in attempt to cure that they continuously dismiss. That is also a violation of my consumer rights. I have reported this concern on several occasions. 
Today, I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. They are not investigating the legitimacy of these accounts I did not give consent to these accounts or permissible purpose and are in violation of the Gramm Leach Bliley Act.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.