davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (WA)

Caliber Home Loans has screwed up my escrow account twice. First they paid an irrigation assessment they were not supposed to pay and began charging me {$100.00} a month more to cover their mistake. I also paid the assessment and cant get that money back. Now they have failed to pay the second installment of my property taxes and I have been assessed a penalty and late fee which they will have to pay. They are unresponsive in fixing these issues and I can not change mortgage companies. I did not ask for them they bought my loan and now I am stuck with their XXXX service for the next 28 years.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2017-01-22
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (MD)

Credit Acceptance has continued to try and collect on an account that I was told by a representative from their company that I was no longer responsible for. Upon receiving correspondance from another representative from this company, they try to act as if now they never told me that I would no longer be responsible for the balance owed after I returned the car. They have also been engaging in some unethical practices such as removing the entire balance that I do not owe after I disputed this account and then went back and changed the amount owed to {$3700.00}. If i was verbally told that the balance would be forgiven I feel it is very unethical for them to now go back on their word and try to recollect this money. I also do not appreciate the fact that after disputing this account, they reported the balance as {$XXXX}, and then went back and reported the balance as {$3700.00} as well as reporting several late payments, a repossession status and adding derogatory marks to my credit report and causing a large drop in my credit score. This is an example of them reporting incorrect information which is grounds for removal of this account. This car was voluntarily returned to them by me, so them changing the status to " in repossession '' is them lying. I believe that they are doing this to be spiteful and retaliate for me filing a complaint and I would like them to stop reporting this negative account to my credit profiles. I have attached a picture that I took from my credit profile showing that the account balance was reporting as {$XXXX} and then they went back and began reporting it again as {$3700.00}, which I know is illegally reporting inaccurate information and I want this account removed. By law, they are required to remove this account and I will hire an attorney if I need to.
Consumer complaint received 2017-01-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (MN)

I opened a checking account at Bank of the West in XX/XX/2016 and requested to close the account on XX/XX/2016. Bank representatives rejected my request because they claimed I opened a " line of credit '' on the account which I never did. Meanwhile, they stated I have used the line of credit and owe money on the line which is a surprise to me because I have never requested nor used any line of credit. I only withdrew my initial balance out of the account to close the account. The local branch representatives could not give me an explanation for why this line of credit was opened and why it says I used some of it. In the meantime, the account is also accumulating monthly fees because I have a zero balance and they wo n't close the account to investigate this error. I am being harassed with bank letters notifying me they will contact collections to collect the outstanding fees on the account. What this financial institution is fraud and reminds me of XXXX fraudulently opening accounts on their customers behalf without them knowing, and charging them fees in the interim. This is a bad surprise that I hope to resolve and prevent to happen to others. Please help!
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX I put a fraud alert on my account in XXXX I requested by mail to have it removed .when I looked at my report it was still on there and it says it was updated again I sent the info again to get it removed equal just sent me a letter stating they updated it again did not take it off and with out my permission sent it to the XXXX other credit reporting agencies to up date their 's .I told them I wanted it removed not updated. I called equiafax they finally removed it but now since they passed it to the other agencies .transunion and experian say they ca n't remove it .I want it removed from all of my accounts thanku
Consumer complaint received 2016-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Performant Financial Corporation (MO)

On XXXX XXXX, 2016, I XXXX XXXX made several attempts to reach the account holder of my student loan Performant. After extensively waiting on the phone, I asked to talk with someone about reentering a payment agreement for the 4th time. I was in a plan in XX/XX/XXXX and made the call to make the payment and was informed that XXXX was not accepted nor checking account information, I made several attempts to call back and was never connected nor a call back as received so when I reached communication on XXXX XXXX, 2016, I was told that I need to make a payment of {$5.00} first to get back into the program, I made the payment and did not receive any further iinformation until a packet came on XXXX XXXX, 2016 iluustrating my calls and their attempt to put me into a payment agreement enclosed was a form to fill out for rehabilitation. I wwas pending a communication with your department regarding the issue so finally on XXXX XXXX, 2016 I had a discussion with your department regarding Performants process I was told they are following regulations and nothing can be done, I strongly expressed that they are not following the process and makes it difficult to be reached and make a payment. None the less I hung feeling frustrated and called Performant to try to see if I could work with them, I was connected to a rep ( surprised ) I told her I wanted to enter into a repayment agreement we proceeded with the process at the end she asked for ways to make payments I asked what format she indidcated debit, creidt checking account, I went to give her my checking account information for automatic withdrawals I told her that I talked with someone back in XX/XX/XXXX she clarified XX/XX/XXXX and I was told to make a {$5.00} payment therefore when I do get back into a payment plan the first one is made so why am I making a payment today she said because that payment was just applied to your account so I confirmed so it was a payment I didnt have to make and she agreed, i went on the tell her the communication of what occurred with that rep and once again i was miss informed of information. This company is not trying to help students with their student loans.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NC)

have been in a foreclosure for 7 yrs mortgage company finally foreclosed because of fraudulent docs.i have proof of fraudulent promissory note as well as fraudulent deed of trust finally the mortgage company got the documents it needed forged they never had a valid deed of trust with proper signature or a promissory note with proper signature, But hey got this papers forged .I have papers where the notaries stamps are marked out I have papers that state the note was lost and they are adding in a blank note which is illegal I need help to stop the sale of my property which is up for sale on XXXX XXXX 2016 I cant take this case back to superior court and the XXXX board of appeals will not consider any new evidence in this case so I would like for criminal charges be filed against the XXXX attorneys and the judge that handled this case but I fear for my life as well as my family based on a case that was filed against a judge and mortgage company out of XXXX XXXX .the judge that ruled on this case in XXXX XXXX XXXX the person he ruled against was called SUNNY XXXX OR XXXX LAST NAME XXXX XXXX or XXXX was found dead shortly after .I know that the attorneys for the mortgage company has international ties so that is my problem of being murdered if I bring charges against attorneys and mortgage company as well as the judge who ruled on this case.But I will not be intimated by fear I am XXXX yrs old so if death be an issue in me persuing just by these crooked lawyers and judges let it be but I want these XXXX prosecuted.
Consumer complaint received 2017-01-20
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

PORTFOLIO RECOVERY uses abusive language in the way they attempt to collect a debt. They are very aggressive and intimidating in their manner. They need the money NOW and insist on getting your banking information before they send you written acknowledgement of your arrangement. They have REFUSED to send me a written acknowledgement of our arrangement and they said it was due to an " open complaint ''. I stated that my complaint had nothing to do with our arrangement and that I was entitled to file a complaint every time they were nasty to me and I would continue to do so until they changed therir tactics. I have called repeatedly to resolve this matter and they simply REFUSE because I filed a complaint that I am legally entitled to do. Regardless the issue is their REFUSAL to send me written acknowledgement of our agreement and the AGGRESSIVE MANNER in which they INSIST on attaining my banking information before issuing a written agreement. They are RUDE AND NASTY and someone needs to stop them. They can not force me to give bank information without a written agreement and they can not withhold such agreement as a way to harass me for filing a complaint.
Consumer complaint received 2016-06-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (NC)

I had XXXX of nc at the time of the incident. They should have covered all remaining bills. I have paid XXXX bills from the same night. Now this pops up on my credit score a couple years later. I need it resolved. I have paid my part. Thank you.
Consumer complaint received 2016-06-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX from Experian special services has not contacted me regarding my dispute. Per section 1681i a consumer has a right to access and contact the credit reporting agency to file a dispute. XXXX XXXX has not investigated the items in dispute and has not coded the accounts listed as XXXX 'Item disputed by consumer '. The FCRA clearly states " ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information " If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate ''. 
XXXX XXXX spoke with XXXX XXXX in regard to XXXX XXXX. He never initiates a dispute or initiates an investigation on this item. The XXXX items are known to be reported incorrect. Rather, he says he does than sends a updated copy of XXXX XXXX credit file with a comment 'Please contact the creditor ' at ... XXXX and no updates for the XXXX accounts with results of the investigation or verification of pertinant account related facts. 

This is not an complete accounting or investigation of the disputes items. The XXXX accounts are listed as individual and they were orginally joint accounts. In addition there is multiple errors and misrepresenations that XXXX alleges to be correct and are clearly not. Consumer disagrees with Experian customer service. Consumer knows the law, has the bona fide credentials, he is trained in the law by attorneys, he has work in a city court, and reads adminstrative and procedural law. XXXX XXXX holds XXXX XXXX and a XXXX training. 

If the creditors can not certify the accuracy of the information Experian must remove the accounts no conditions. If Experian was provided certification from the creditors then a copy of such should be remitted for creditor examination and a request for judicial intervention ( RJI ) will be filed in federal court for civil proceeding for FCRA violations. 

The consumer XXXX is the only one who can provide an affidavit to the facts of the accounts not the creditors who communicate misleading and false information via XXXX or other telecommunication or ( digital device ) to Experian.
Consumer complaint received 2017-01-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Was unable to get my annual free credit report online from TransUnion. An error message claims TransUnion is unable to verify my identity, but no such error occurred with the other credit agencies. Because of that I 'll have to wait 6 weeks for one painstakingly ordered over the phone or purchase one online. TranUnion also makes it very hard to purchase just the report without a recurring $ XXXX service. I had to dig and dig for that option.
Consumer complaint received 2017-01-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I opened a Bank of America checking account based on a deal for {$300.00} if I made {$4000.00} in direct deposits within 90 days of opening the account. I fulfilled this condition and was not given the bonus. I reported this to the bank several times, including by phone, chat, and fax, and never received a response.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My business went bankrupt after the crash of our local economy around 2009. Now that I have a job again, I have been trying to settle my credit card debt with Bank of America but I have found that the banks have written off the debt and will not allow me to settle with them but they also refuse to remove the judgement from my credit report which is giving me a low credit score and keeps me from being able to refinance my home. I am trying to recover financially from this failed economy but the banks that were bailed out are preventing me the consumer from any recovery financially. HELP!!
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-05-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX, XXXX I made a deposit through the mobile app from Wells Fargo in the amount of {$4400.00} with XXXX checks from XXXX. ( {$400.00} and {$4000.00} ) I received a message saying the funds would be cleared on XXXX XXXX, XXXX ( every two weeks I deposit a similar amount into that Wells Fargo account which is my business account, the deposit is made on Thursday and it is always available on the next day, friday ). 
Something happened on Wells Fargo side that they placed a hold on the {$4000.00} check and did not release the funds into my account causing payments to be returned, overdraft fees Applied to my account and that inconveniency of having to explain to other parties why i could not pay them, including to the IRS which was supposed to receive a tax quarterly payment that did not go through due hold placed by Wells Fargo on the money. 
Yesterday, XX/XX/XXXX I went into a wells fargo branch, contacted a branch manager and he said the funds were not available because there was insufficient fund on the checks. 
few minutes after leaving the branch, i contacted the Company that issued those checks to pay me and they contact XXXX just to find out that the funds was released on the same day that I deposit the checks which was XXXX XXXX, XXXX. ( See attached document ) Me and the company that issued the check contacted the branch manager again, left several messages and sent few emails not receiving any response back. 

I need this resolved ASAP come up with the money placed back in the account, overdraft fees return and a letter from the bank explaining the mistake so I can take to the IRS and not be penalized for not paying my taxes when I was supposed to. 
Just a reminder the taxes was supposed to be withdrawn from my account on Monday, XXXX XXXX, XXXX four days after the deposit. 
I am very unhappy with this situation with Wells Fargo and I hope that this can be repaired ASAP because it 's causing damage to my business.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This is a follow up to complaint XXXX. Yesterday, a full month after I submitted a complaint because Bank of America, among other things, sent a debt collector to my home and put correspondence on my front door, sent another person to my house and put the same correspondence on my door again. BofA referred the matter to their outside counsel who wrote me a response that does not address any of the issues raised. They need to stop sending people to my house. Doing it a second time, after I filed a complaint about it, constitutes harassment and intentional infliction of emotional distress. If the Bank does not address my issue ( and punting to outside counsel who send an unresponsive letter, and who fails to respond to me when I follow up with her ) I will file suit.
Consumer complaint received 2017-01-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC (CA)

This company has failed to send out notices or contact me. I have reached out multiple times. I 've sent emails, which get sent back. This company has a credit card that was opened long ago. I 'm not even sure it should be on my credit at this point. This company is horrible and does n't communicate. They have no desire to help the situation. I 've contact them many times.
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I am unfortunate enough to have my mortgage loan through this terrible firm. My mortgage broker repeatedly failed to correct errors in the paperwork even after I pointed them out. Ultimately we closed on the house. So at closing I paid XXXX dollars, all parties signed documents agreed that all cost were paid and my mortgage would be XXXX $ including escrow. I was so wrong. 
Less than a week after closing my insurance agent contacted me to say my homeowners insurance needed to be paid. She said she called the bank and they refused to pay it. Turns out they forgot to include that cost ... ooops. So a week after paying XXXX dollars, I had three days to pay another XXXX. Let me point out I am hearing all of this from the insurance agent, not the bank. In fact I never heard from the bank at all. Like a good human beings I paid the insurance, because it was owed. When it came time to pay my mortgage suddenly I owe XXXX $ a month. The reason is because I have to have escrow because like most regular people, I could n't put down XXXX % and pay all the processing fees. But the whole problem begins because my bankers ca n't count, failed to process information properly and almost caused my insurance to lapse. Yet, they want to be sure the insurance money is there for next year, because that ca n't trust it will be paid. After I called to complain magically a letter shows up from the bank forwarded from my previous address prior to buying a home through them and weeks after all our address changes were processed saying we miscalculated and you got ta pay. 
I opened a checking account with First Citizens with sole purpose of paying the mortgage. It is here I encounter more errors on the part of the bank. They could not link the mortgage with my new account because the names did not match. Turns out that I was listed with my last name first on either the account I opened or my mortgage. This means they allowed a XXXX dollar loan to be opened with a name that does n't match my SSN, or they allowed checking accounts to be opened when the name does n't match the SSN. The fact this error can even be made makes me worry people have all kinds of accounts and loans linked to my SSN if they are n't required to at least verify the name matches the SSN. I could go on with more complaints about careless errors that have real impact on people 's lives. I 've only done business with first citizens for one month and already they are the worse company I have ever worked with.