davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

On or about XX/XX/XXXX I opened a Home Equity Line of Credit with Wachovia Bank which was subsequently taken over by Wells Fargo Bank. The HELOC was originally for {$250000.00} and later reduced to about {$180000.00} when I refinanced my original first mortgage.
The Line of Credit was an interest only loan and every month without fail I paid the interest that I was billed for. To my knowledge I WAS NEVER LATE ON A PAYMENT and was never charged a late fee. The monthly bills indicated that the balance shown was the entire balance including any unpaid interest ( which I assumed was only for the previous month. ) Please see the highlighted section of the attached typical bill. Please note the beginning and ending balances appear but NO ITEMIZED EXPLANATION as to how those figures are derived. lt was always my assumption therefore that when I paid the amount due on time I would billed for the same amount of interest the following month provided the rate did not change in which case the amount was either lower or higher.
I recently sold the home used for collateral and therefore asked for a " payoff '' amount. I was given the amount and now verbally told that it included " unpaid interest of {$2100.00}. '' I immediately asked for a detailed explanation since I was totally shocked at this revelation. The written answer I received, ( attached ) is totally unintelligible. The banker at the local bank where the loan originated could not explain the letter to me. Basically it merely is an accounting of how unpaid interest accrues but since I paid the total interest owed each month it makes no sense to me. It appears that the bank sometimes applied my payments to interest and sometimes THEY DID NOT, creating unpaid interest carrying over to the following month. The following month 's payment made on time and for the full amount billed was perhaps partially applied to interest but sometimes not at all creating even additional unpaid interest fees. AGAIN THERE WAS NEVER A DETAILED EXPLANATION PROVIDED. As an example please refer to the attached list of payments for XX/XX/XXXX It shows a Finance Charge of {$550.00}, a regular payment of {$800.00} and {$0.00} paid to interest. Further, refer to XX/XX/XXXX and XX/XX/XXXX Although I made regular payments they show none applied to interest My issue, REGARDLESS OF HOW THE BANK CALCULATES THE INTEREST, is that while allegedly unpaid interest was accruing I WAS NEVER INFORMED AND NEVER GIVEN AN OPPORTUNITY TO PAY. In my opinion this is an intentional hidden way for the bank to increase revenue without fully and honestly informing its customer. It is outrageous that a, till now, reputable bank can run up fees for a customer without his knowledge and get away with it. This has to be illegal! It appears to me that the millions of dollars in fines they have been assessed has merely served as a licensing fee to continue stealing from their customers.
Consumer complaint received 2017-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have tried to obtain a modification from SPS who is now the servicer. For the past 3-4 years, I have had to deal with trying to modify my loan. I continuously send the bank everything they request for the modification and yet they have not assisted me or I was given a modification that just did not make sense! My understanding is that it should be should be affordable and the one they attempted to give me was at the same rate. It does not make sense that the bank would give me a modification that is at the same 7.46 % interest rate with a much higher balance, as the balance has not gone up due to the inordinate amount of time they have taken. It almost seems as if they stall since there is a little equity in my family home.
I could go on with the heartache this has created to our family. It is emotionally and physically exhausting to all of us. My parents as well have gone through a lot with this ordeal and their health is not the best. I had to file a chapter XXXX which in the end did not help. I then had to seek legal counsel to assist me with a work out with SPS and still the lender has been slow to reply. Why should I have to go through such lengths and costs and still may end up losing our family home?? We worked very hard to buy this home and we have tried very hard to keep our home. We are relying on a bank that does not seem to care since we have been working with them for, as I have mentioned previously, over 3 years with no resolution. Now it has been so much time, that we may not have the opportunity of a HAMP modification since those expired in 2016!
I am attaching my attorney 's letter that was sent to SPS which also details the circumstances we have gone through as well as other details of the situation.
Three years is a lot of time to have to deal with this, when the guidelines from what I understand is that the review should have not taken more than 30 days.
Thank you in advance for your assistance in this matter.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am one of the at least 209,000 US customers whom had their personal information affected by the latest Equifax security breach. I was notified using their web tool on X/X/17. I 've since initiated a fraud alert for 90 days to all three credit score bureaus and have requested my credit reports via paper mail ( as their  web site tools are down ).
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

They keeping calling me for the last XXXX years and XXXX months from different phone number morning and night repeatable. I'm sick of it the most recent call I have is on XX/XX/XXXX XXXX XXXX. 2023.
Consumer complaint received 2017-09-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (GA)

XX/XX/XXXX I received an alert from my credit report stating that a collection was placed on my credit file. I called the hospital that I went to XXXX XXXX Hospital and asked about my bill because I have never received it. I totally forgot about it, it had been so long. They informed me that it was never sent out and that they were going to send it out today ( X/X/17 ) and that there was a financial assistance form attached to it. They were great. I was not aware that I had several bills coming from the hospital, I never received any other bills, no phone calls nor any messages. There is a possibility that it could have gone to a neighbors house with the exact same address as mine but their address is Pass and mine is Court, which happens all the time, they always send it back to the post office. Now to the complaint, I called XXXX ( original ) and Transworld Systems , Inc. ( collections ) to inform them that I did not receive a bill because if I did and believed it belonged to me I would have made some type of payment arrangements. I value my credit so there was no way that I would have ignored it. I have requested a breakdown of what the bill ( an itemized bill ) to see what the charges were for. I was informed by XXXX that they could not provide me with an itemized bill nor could they call me and leave a message concerning this debt. I was very upset about this and talked loudly but not fowl but after being lied to and so inconveniently hung up on. My last calls I did let them have a piece of my mind and asked them to make sure that they were still recording. My issue is, there were no attempts made to contact me other than them claiming to have sent me letters ... no calls? no messages? Heck 1 voicemail message would have gotten my attention. I have contacted an attorney to take them to small claims court if by all means the debt is mine I will pay it but they should have never placed this on my credit report. I never knew of this bill. XXXX XXXX Hospital is sending me a financial assistant letter along with a copy of the bill that I never received and admitted that they never sent one out. But XXXX  whom I never heard of is the one that hired Transworld Systems, Inc. Neither one has contacted me and both claimed to have sent letters. Transworld Systems , Inc. claimed that they did not have my phone number and had my husbands number but stated that when they called me " I told them not to call me '' so if you did n't have my number to leave a message how did I tell you not to call me???? they have never contacted me not once so I knew nothing of this bill.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

Equifax have now updated my report since XXXX of 2016 i purchased XXXX different reports with the same information with no updates on it and old score they claimed i have a large file and it been split into XXXX the items that have been deleted came back on there due to identity theft they have police report on file copy of my social and a utility bill my whole complete credit file is incorrect every time i call they delete something and they lady asking me what 's my accounts my whole file is a mess i want to file a law suit on this
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

I was informed of the breech that occurred with the company Equifax. Today on XXXX XXXX, 2017 I entered my information and it stated that I may have been affected in the breech. I tried to do a freeze of my credit with Equifax and it stated I needed to pay {$10.00}. Pretty sure that I should not be liable to pay for anything related to their breech. I wanted to report them for this. If you can help in any way I would appreciate it. Not sure what to do next.
Consumer complaint received 2016-05-03
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX Certificate of Savings Deposit for my XXXX children in XXXX and XXXX at XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, PA XXXX. XXXX XXXX Bank was bought out on XXXX XXXX, XXXX by XXXX Bank ; on XXXX XXXX XXXX XXXX was bought out by XXXX XXXX XXXX Bank ; on XXXX XXXX XXXX XXXX XXXX XXXX XXXX was bought out by Wachovia Bank ; on XXXX XXXX, XXXX Wachovia Bank was bought out by Wells Fargo. While going through my paperwork I came across the Certificate of Savings Deposits. They have never been cashed. I never received a notice of forfeiture of money if not chased by a specific date. During the banks buy out no one ever contacted me or my children about the Certificate of Savings Deposits. I have contacted XXXX different Wells Fargo Banks, XXXX in XXXX and XXXX in XXXX. They give me the same line. We have no records after 7 years and there is on funds. I understand they have a dormant fund. The bank has never even informed me about this fund. We are not talking about XXXX dollars here. I just want my children to receive the money that they are entitled too. Please, I would appreciate any help. Thank you
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I sent a letter asking XXXX to remove the incorrect names and addresses from my report. I also requested that several of the inquiries, Collections listed were not mine and/or not authorized. The information is still listed on my report and I never received a response from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$59.00} XX/XX/XXXX XXXXXXXX {$280.00} XX/XX/XXXX
Consumer complaint received 2017-03-09
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MD)

My name is XXXX XXXX. I am very much a XXXX individual and they are now and have been repeated calling my cell phone at all hours of the day looking for " XXXX '' and that " XXXX, you need to call us right away or have your attorney contact us. '' I have had this cell phone number since XX/XX/2006. I do n't know what game they are playing but it needs to stop.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

I sent a letter asking Experian to remove the incorrect names and addresses from my report. I also requested that several of the inquiries, Collections listed were not mine and/or not authorized. The information is still listed on my report and I never received a response from Experian. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$59.00} XXXX XXXX  {$280.00} XX/XX/XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM WXPERIAN
Consumer complaint received 2017-03-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

My wife passed away on XX/XX/2017. Her sister XXXX Went to the clerk of court in XXXX, NC and got appointted as Power of Attorney over my wife when I XXXX was already Power of Attorney over my wife, XXXX. She set up a account at SECU on XXXX. in XXXX, NC in her and my wife 's name XXXX name. After my wife passed XXXX went to the bank and the bank allowed XXXX to close her account and withdraw all of the money in cash. Her Social Security check were being deposited in the account. The bank allowed her to withdraw the Social Security money in one envelope and the remaining money in another envelope. The Social Security money was kept by XXXX and the other amount was used to pay for XXXX cremation. 
I went to the bank the last part of XX/XX/XXXX and spoke to a bank officer about getting my account closed which only had {$25.00} in it. The refused because I am in bankruptcy and said that I had filed a loan on my bankruptcy. I proceeded to tell them about my wife passing on XX/XX/XXXX. I ask him why the bank closed XXXX account after she had passed away. He said that they were n't informed of her passing until the XX/XX/XXXX. He said that if they had of known of her passing on XX/XX/XXXX they would not have allowed XXXX to get the funds. The Power of Attorney XX/XX/XXXX had Was no longer good after the second XXXX passed, therefore she had no right to the money and now she refuses to return the social security funds to me even after being notified to do so 4 different times since then. The social security office said that I could keep the funds since it was paid before XXXX passed. XXXX has also ben reporting to my wife 's credit card company 's the XXXX has passed which I, XXXX was doing. The bank, SECU has made no effort to retrieve the money they gave XXXX of close the checking account that has my name on it and has only a {$25.00} savings in it. I feel that MrsXXXX obtained the funds from the bank under fraudulent conditions and the bank, SECU assisted with this also. I ask for copy of the paper that XXXX signed while in XXXX in XXXX, NC while she was not mentally competent or physically to sign any papers without assistance from a outside assistance. She was paralyzed from the neck down and could not write.
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I should not have judgements against me with XXXX or XXXX both of these accounts were resolved with a debt relief program I am in, I am paying on both of these accounts and no judgement for money should be showing both were settled between the debt relief program and the creditors XXXX and XXXX
Consumer complaint received 2024-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: American First Finance, Inc. (NV)

Loan was obtained from American First Finance on behalf of XXXXXXXX XXXX XXXX XXXX as the only in house/partnered finance option for services rendered. Loan terms set to run for nearly 2 years total duration with an annual interest of 179.23 % and appears to fall within predatory leanding practices. Additionally faced non clear selections during the acceptance of the loan leading to unintentionally selecting for auto withdrawals that can only be canceled after an initial payment is processed and only over the phone.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

As of XXXX XXXX, 2017, the public was notified by Equifax of a massive data breach of over 143 Million records, including SSN, credit history, and many other sensitive matters. Equifax has provided a toll-free number for assistance ( that either does n't answer, puts you on perpetual hold, or connects you to a person who can not tell you if you are affected, or not. Equifax also has provided a website to allow a person to ( 1 ) identify if they are part of the data breach and ( 2 ) optionally enroll in a free 1-year subscription to XXXX to track credit activity. Following the information request process on the website does NOT tell me whether I was affected or not -- it just skips that point entirely. And the enrollment is delayed until X/XX/2017. News services describing this event have also complained of a hidden feature of this service that may prohibit class action lawsuit and force subscriber into arbitration instead ( I would have to mail in a letter within first 30 days of sign-up, to void the mandatory arbitration clause ). This is a horrible response to their problem that was detected over 3 months ago, but made public only yesterday.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

According to Equifax ( https : //www.equifaxsecurity2017.com ), substantial amounts of personal information was leaked, including names, Social Security numbers, birth dates, addresses, drivers license numbers, and credit card numbers. Furthermore, Equifax claims that the hack occurred somewhere in XX/XX/XXXX through XX/XX/XXXX, but failed to inform consumers until early XXXX. The irresponsible handling of this information is criminally negligent and will certainly lead to widespread fraudulent activity. Equifax is a company that has massive amounts of my very sensitive information, which I never provided to the company. They must be more proactive about security or face consequences. 

Furthermore, the remedial offer to provide free credit monitoring is a total scam. Others have shown that random, nonsense inputs can cause the " Potential Impact '' form ( https : //www.equifaxsecurity2017.com/potential-impact/ ) to tell consumers that their information may have been compromised. Signing up for this service also limits a consumers ability to seek legal reparations for this leak. Finally, Equifax is highly disingenuous with the signup procedure, as clicking " Enroll '' provides the user with a " Signup Date ''. The user must then return to the site on the prescribed date in order to complete registration, while receiving no reminders or other direction to do so. There is absolutely no reason Equifax should be allowed to be so intentionally circuitous in remediating this disaster.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

Equifax did not exercise proper security measures and resulted in my information being compromised. They have opened me up to identity theft and have only made a token offer to monitor my credit for one year. This service costs ~ {$20.00} per month afterwards and much of my data will not change over the course of my remaining years on Earth ( approximately 55 more years based on average life expectancy ). This is over {$13000.00} over the course of my lifetime paid to Equifax. {$13000.00} to trust a corporation who has already handed my information over to criminals who have the potential to steal countless money from me and ruin my credit.