davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-19
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC (AL)

I tried to get them to work with me during an unexpected financial hardship. I explained to them the current situation and when it would be resolved by. I also have been making payments even though the company refuses to extend the term of the contract out and make the payments more manageable for me. I also told them I would call them in a few days and let them know if I would be able to make an extra payment. Even though I am doing everything I possibly can to make payments, I was told that my account would be charged off on XXXX XXXX. And my phone rings off the hook every hour non-stop, every day of the week. I could understand if I was n't paying or communicating with you. But I am doing XXXX ....
Consumer complaint received 2015-08-27
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (CA)

I constantly received voice messages threatening legal affidavits and final warning before they take me to court but do n't tell me what this debt is about. they recently contacted my sister about this debt and told her that she needed to represent me in court, they left a voice message with her social security number and other information about her. she was upset and called back and told her they could not give her any personal information yet they had all of her personal information
Consumer complaint received 2015-10-20
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (MT)

I was aware of that my account with Rush Card would be going through a system update on XXXX XXXX, 2015 from XXXX to XXXX. I new I would not have access to my funds during that time frame. It is now XXXX XXXX, 2015, XXXX and I still am unable to access any of my Money. I have called Rush Card Customer Service on multiple attempts to experience XXXX hours waiting times and never have been able to talk to any Rushcard Representative. I have sent XXXX emails so far to rushcard customer service about my account issue and I have got only XXXX response that my account could not be found and needed to send another email with more info so I could get assistance. I have sent that info and have yet heard back from rush card well over XXXX hrs now. My Account balance was at {$0.00} for sometime and now is showing the correct balance but my account is still in " pending activation status '' which I still ca n't access my money. I ordered a new card in hopes of being able to transfer funds to this new card but Rush card has deactivated the ability to transfer funds. It says an error has occurred and to contact customer service. This makes me think they do not want me to access my funds at all by blocking my card and ability to transfer my money. They are giving false info about accounts have full access now and only means of any info is there XXXX page. That leaves me in the dark on when or if a fix will occur.
Consumer complaint received 2024-08-09
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: Experian Information Solutions Inc. (LA)

I am seeking assistance with addressing some negative items currently showing on my credit report. I have previously provided the necessary documents, including the three specific documents, dispute letters, and details regarding the accounts I wish to be removed.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion is refusing to work and operate as a neutral party. They have not demanded the debtor to provide accurate information of debts. Debt collectors are basically making statements with no proof. The account I am complaining of states closed and paid by collateral of the report.
Consumer complaint received 2015-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After reviewing my TransUnion credit report, I immediately noticed something in my Public Records section of my TransUnion credit report reporting incorrectly. 
Below is information regarding the following Public Records item I would like to have permanently deleted from it is reporting to my TransUnion credit report in error. TransUnion is reporting it to the wrong XXXX XXXX XXXX, XXXX.:1. Federal Tax Lien - Reference # - XXXX. This Tax Lien that is currently reporting to my TransUnion credit report is reporting to my credit report in error. This is the wrong XXXX XXXX XXXX, XXXX As a matter of fact, based on this lien 's record, XXXX is not even included. Nothing fully matches up except the fact that the name is similar but not mine. Nor is this my address that they have on record as well. I would like to have this item permanently deleted off of my TransUnion credit report immediately.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

I called and settled my debt with Wells Fargo XX/XX/XXXX, XXXX with XXXX XXXX . He was very rude and not professional. I hired a legal counsel ask them to take off my credit report. They agreed to stop reporting to my credit. The representative advised me that the collection would not report after 30 days. I am in the process of buying a home and my lender advised me that the charge off was still reporting to my XXXX XXXX Credit report. My report is reflecting XXXX points lower than the other 2 scores. Please remove from my credit. I will attach the settlement letter. 

The debt collect for Wells Fargo was XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX Phone : XXXX ( ext. XXXX ) Fax : XXXX XXXX This is the email from XXXX XXXX No, your original request was not pretty clear as you told me you needed a letter ( which we are also providing ), not the writ. Regardless, it was filed with the court at the correct time. It shouldve been notated with the court if you didnt check public record. Regardless, I have attached a copy as a courtesy for XXXX XXXX. Have a good day.
Consumer complaint received 2015-07-25
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Someone impersonating our grandson called us on vacation from XXXX XXXX, XXXX XXXX needing money to stay out of jail. He crashed a rental car and hit someone and there was alcohol involved. He was hurt and then handed the phone over to the police official, XXXX XXXX, and he indicated that we would need to wire {$1900.00} in order to pay for damages. He would then be put on a plane and sent home. We later found out that our grandson was home all along.
Consumer complaint received 2015-08-27
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (WV)

My name is XXXX XXXX and have my current mortgage with Wells Fargo Home Mortgage. My parents co-signed for my mortgage with the intentions that I would refinance in a couple of years to have the mortgage placed in my name. How dare the underwriter ask me to write a letter as to why my parents are being removed. Wells Fargo currently holds my mortgage and it has excellent payment history. I am trying to refinance my FHA loan with the Wells Fargo Home Mortgage Office in XXXX, WV. Their address is XXXX XXXX XXXX, XXXX, WV XXXX and the loan officer 's name is XXXX XXXX and the processor 's name is XXXX XXXX. 

I have been put through such a horrible ordeal. It has been well over 3 months and I have yet to receive anything in writing whether the loan was approved or suspended. All I continue to get is a phone call from the LO or processor asking for more documentation the underwriter is asking for. I 've even had to quote FHA guidelines to them because they were asking for things that were not required. Wells Fargo is in violation of providing a written loan disposition. 

The last straw was when I received another phone call from the loan officer last week stating that I will need to obtain a credit supplement for my student loans. I am on an income based loan repayment and gave this to the loan officer and processor in XXXX!!! Now they ask for it again? They drag the process out and documents expire so they will ask for more documentation. I have provided everything they asked for within 24 hours only to be told I need to provide something else. They also asked me many weeks ago to get a gift letter in order to have reserves. Yet, here I wait with no answer for three months. I have done everything they have asked. 

I placed a call yesterday to the loan officer and processor for the name of a supervisor that I could speak with to get some results. The loan officer stated he did n't know who that was as he was not in the office, the processor stated she could n't reach him and was working on it. It has been 24 hours and I still have not heard from them as to who the supervisor is I can speak with. 

This is n't the first complaint I 've heard about Wells Fargo Home Mortgage. A friend of mine who is selling her home in Florida and her buyers were going through Wells Fargo after 4 long months of the same thing, dragging their feet, asking for more stuff, they finally had to pull the loan and it was approved and closed in less than 30 days. Now how is that possible that as big as Wells Fargo is, they can not do things in a timely manner. The stress that I have been put through is causing major health problems for me.
Consumer complaint received 2015-07-27
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MD)

I disputed a charge for {$1900.00} in XX/XX/XXXX. I went through the proper channels with Chase and received a credit. The vendor then charged me {$1900.00} again two days later, and I disputed that charge as well. I waited two billing cycles, and received assurance that the disputes were ruled in my favor. The vendor then charged my credit card for {$1900.00} again. I went through the dispute process again, received a credit again, and again was told the dispute was ruled in my favor. The charge for {$1900.00} then reappeared again in XX/XX/XXXX and Chase told me they needed 30 more days to research the situation and I 'd receive notice in the mail. Since that time, my contact at the Chase executive office has stopped returning my calls and I have n't received anything in the mail. The charge for {$1900.00} is still on my credit card and no one at Chase can explain to me why it reappeared. It 's now been over 5 months since I disputed the original charge, which I believe is in violation of the Fair Credit Billing Act.
Consumer complaint received 2015-10-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP (NJ)

XXXX 's sales and lease sued me in small claims court and was awarded a judgement against me. At some point they sold my account to a dept collection agencies and they received the money from me. I have contacted the collection agency and they are mailing me the form stating that the accounts are paid in full and closed. But when XXXX 's filed their complaint the total amount does not match what I paid in full and they also labeled the account as medical which is not true. I tried contacting them on several occasions so I could get the original amount so I can prove to the court that the dept is paid. I have gotten wrong numbers and out of service numbers and answering machines. I Have left messages and no one has contacted me as of yet. This judgment is preventing me from buying a house. I do n't know what else to do if they do n't respond back.
Consumer complaint received 2015-07-27
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MN)

On XX/XX/2014 I purchased a 2013 XXXX XXXX from XXXX XXXX XXXX tx they acquired financing from Santander consumer USA at an interest rate of 15.66 % approximately 2 weeks later they told me the finance company was not honoring the extended warranty cost into the financing because they wanted to keep my payment in a certain range, they called me in told me I could keep my truck, or have no vehicle unless I signed a new purchase agreement with a " higher '' interest rate charge the dealership/finance company backdated the agreement so it looked like the original agreement the new interest rate is 16.32 % on less money borrowed.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I requested a payloff for my Greentree Account because of the poor service provided, they are crooks in every form of the word and should not be servicing mortgages period. Let me explain ; I received a payoff on my account, while at the bank transfering the amount to greentree, I called their customer service group and told them what I was doing, the representative informed me that my scheduled automatic payment could not be stopped, I asked her to note my account that I was wiring the amount on the payoff letter minus the amount being automatically withdrawn which she could not stop. I followed up with greentree servicing and they have failed to clear the account and now have an additional amount of {$400.00} Interest on a balance of {$1900.00} and despite many calls to different supervisors, nothing can be resolved. Clear and close my account, beware of this group.
Consumer complaint received 2015-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (VA)

XX/XX/XXXX Chapter XXXX Bankruptcy petition # XXXX was filed in Hawaii and included creditor XXXX XXXX for an unknown amount ( guessed {$540.00} ). 
XX/XX/XXXX Chapter XXXX Bankruptcy discharged # XXXX including XXXX XXXX debt. 
XX/XX/XXXX - XXXX XXXX has continued to forward discharged debt to collection agencies. This item has been disputed multiple times, both directly with the creditor and through the credit reporting agency.
Consumer complaint received 2015-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (MD)

We are currently potential buyers in a short sale with a seller-accepted offer waiting for XXXX approval. We began shopping mortgages in XXXX ( XXXX, XXXX XXXX, XXXX, & Quicken Loans ). Of those, only Quicken Loans has been calling our home several times each week with highly aggressive tactics, pushing us forward in the loan process without yet having a completed contract. I was assured on the phone that there was no cost or obligation as we moved forward. We made a {$500.00} good-faith deposit with Quicken Loans, and we were told it was refundable of the mortgage was not completed. QL went ahead and ordered an appraisal on the home -- again, without a contract. We have now been told that cost of the appraisal and credit report will only be refunded if the XXXX bank does not complete the contract, but if we choose to go with a different lender, we lose that money. When I raised an objection with XXXX XXXX, saying that there must be phone recordings, he ordered an internal investigation, returning, " My Client Relations team reviewed the calls and confirmed that the proper expectations were set regarding the deposit. '' I replied requesting access to the phone records, and then received a call from XXXX XXXX " from the Executive Office at Quicken Loans. '' She refused to share the phone records. ( She did n't quite seem to understand that a secret internal investigation inherently has no integrity ; she kept assuring me of *her* integrity. ) I want to be able to review the phone records of my conversations with XXXX XXXX and XXXX XXXX in order to say definitely whether or not I was lied to on the phone, misled by missing information, or if I was careless. 


XXXX XXXX | Senior Purchase BankerDirect : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | NMLS # XXXXXXXXXXXX XXXX XXXX | Senior Purchase SpecialistDirect : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX : | Fax : ( XXXX ) XXXXXXXXXXXX XXXX ( " from the executive office '' ) XXXX XXXX XXXX
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Angel Oak Mortgage Solutions LLC (FL)

We bought a house on XXXX 2015. During the process of getting the loan we found many difficulties dealing with the lenders. Just because we could not prove that we paid the rent we previously had, the interest rate that was given to us is 7.25 %, when the rate at the time was around 4 %. Thus, our payment for the mortgage is well above what we expected. We have a letter from the landlord that states that we paid in the rent, they said that was not enough.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-10-19
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (FL)

I completed my tax return using XXXX online service. On the last page, there 's an inquiry as to how I 'd like to receive my funds. It also advertised a quicker way to receive my funds by receiving it on a debit prepaid card, PayPower. This prepaid visa card is powered XXXX. I went with this option. 

The XXXX deposited {$9.00}, XXXX into my account with these people and I have yet to receive my funds. PayPower claims that they 've returned the money to the XXXX. The XXXX confirmed that XXXX received the funds on my behalf and has cashed it. PayPower confirmed receipt of said funds ; however, they continue to claim that they 've returned the funds to the XXXX, which is not true. 

I 'm working with XXXX XXXX, a XXXX XXXX Advocate who can confirm that the XXXX has not received the funds. She can be reached at : XXXXPayPower can be reached at : XXXX can be reached at : XXXX 've been getting the " run-around '' since XXXX XXXX, 2015. The XXXX deposited the funds on XXXX XXXX, 2015. 

PayPower was not satisfied with all my attempts to prove my identity. They claimed that they returned the money to the XXXX on XXXX XXXX, 2015. 

Since then, it 's been a back and forth and no real answers. 
I 've been evicted from my home. I was homeless with my children. This has devastated my life in ways I did n't think possible. 

I believe I am a victim of fraud. Please look into this and help me recover my due funds. 

Thanks a million.
Consumer complaint received 2015-11-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

Making minumum payments of {$25.00} dollars which is what I can afford right now and still receiving threatining letters from navinet through the mail. Constant phone calls and rude representatives are calling all day. 
loan acct # XXXXprevious request webidXXXX- web
Consumer complaint received 2015-06-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VEROS CREDIT, LLC. (CA)

My complain is for a Finance Co. by the name of Veros Credit, LLC. I am a used car dealership that paid off several accounts to them. These accounts were paid off between XX/XX/XXXX and XX/XX/XXXX, as of this date I have not received the ownership titles belonging to the vehicles of the accounts that were paid off by us. In numerous occasions we have contacted their corporate office regarding the release of titles, they REFUSE to release them due to unresolved issues that we have on other accounts, not related to the accounts paid off. Their answer to me has been, title will not be released until our unresolved issues are resolved. 
Veros Credit, LLC. is causing and putting my business in a financial hardship position because of other financial instutions holding on to my money due to us not being able to turn in titles to them that are held by Veros Credit, LLC. This issue has become a domino effect with other lenders.
Consumer complaint received 2015-10-18
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NV)

I have contacted Chase several times that I do not owe charges to XXXX XXXX Gift Cards. They claim I never returned them, I provided a tracking number that I did. They claim I used them, I showed proof of the gift card denial of charge at a merchant. I filed a dispute back in XX/XX/XXXX and they tried re-billing me four months later. Then they tried rebillingme for another charge two months ago. The charges were approx. {$5000.00} each, totalling {$25000.00}. I am very upset and this is not fair. They have 60 days to resolve my dipsute which they did resolve it in my favor. But now they changed their mind by re-billing me and saying that they are valid. They even sent me a letter saying that they were resolved in my favor. This was on XXXX different credit cards XXXX ending in XXXX and XXXX. They can not re-bill me four months later and nine months later. I have even contacted them more than multiple times. They told me they 're closing down my credit cards with them and ending my relationship because of false disputes, which I did not do.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (CA)

I have requested the following documentations from PHH Mortgage Corporation XXXX time and as today I have not heard anything. This is regarding the denial of my loan modification. 
PHH stated that I was denied a loan modification because of the investor guidelines, XXXX XXXX enclosed. XXXX XXXX stated they are not the investor enclosed. XXXX XXXX XXXX posted a Notice of Trustee 's Sale on my front door set for XXXX/XXXX/2015. XXXX also stated they have nothing to do with my loan. All I 'm asking, is for PHH to provide me with the following information. 

Copy of the Note The Recorded Name on the Deed of Trust Any Assignment Notice of Trustee Sale for XXXX XXXX, 2015. XXXX XXXX XXXX Investor All Evidence Required to Demonstrate the Right to Foreclose The letter Fair Debt Collection Practice Act ( FDCPA ) The Wet Signature because of Robo signing Explain Securitized Loan Explain Mortgage Electronic Registration System ( MERS ) Time is of the essence, please reply promptly. 
Thank youXXXX XXXX XXXX