davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-02
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: United Home Loan Services Inc. (NC)

I have been harassed by United Home Loans of XXXX for a bogus loan that I never signed any contract for. I moved here from XXXX in XXXX XXXX, XXXX to a Lease to Own four year lease, but the home was not livable when I moved to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. I had taken them to court and had won the complaint and was awarded all my funds I had given to XXXX to secure the lease to own. I had only was awarded my {$1400.00} back without any regards to the expenses of having my electronics and furniture exterminated and moving expenses to another livable home. Since the court order, I have been harassed for payment of a {$50000.00} home loan that XXXX had contracted out to United Home Loans that I never knew about or signed any contract with. The website of XXXX XXXX XXXX XXXX states that their homes are purchased from foreclosures and repaired by their own maintenance team to livable condition, but this home was not even seen by them to do any repairs or exterminate before I moved in. I tried negotiation with XXXX to pay for foundation repairs that were the most dangerous of the home along with bad dangerous wiring that had shorts in the crawl space that was dug out making the house collapse. Mean while I had done some foundation stabilazation and plumbing and electrical repairs and had sent XXXX bills to XXXX for labor and Materials which was a small charge of {$600.00} to do and they refused to pay. 
The furnace was leaking from the control valves inside the furnace and almost burned the home down before I found out. The home should have been condemned before renting it out. Now since getting involved with XXXX and winning in court, they have hired UNITED HOME LOANS XXXX to do their billing to me for {$50000.00} loan I do not have any contract with. I had informed UNITED that I do not have any loan with them and told them to cease and desist their attempts to collect on a debt I do not owe, but they still send me notices every month with late fees of {$75.00} and claim I owe over {$3400.00} in the XXXX XXXX XXXX billing invoice. I would like to get treble damages from UNITED HOME LOANS XXXX in the amount of {$150000.00} plus and legal fees and court costs. Since XXXX had initiated this whole scam, I would like to get Treble Damages from them also for pain and suffering and material costs of work rendered on the home at XXXX XXXX XXXX XXXX, XXXX XXXX. to be able to move into safely when we arrived.
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

I sent a principal payment to Wells Fargo of {$40000.00}. They cashed the check on XXXX XXXX, 2015. They will not credit my account until the " cycle '' is up. Therefore, I am not receiving any interest on my deposit or credit on my mortgage. The amount I should get is {$4.00} per day. This does not seem fair to consumers.
Consumer complaint received 2024-08-10
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. (NY)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$640.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-12-01
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My bank account, savings, checking, as well as a credit Account had an address change that was unauthorized. I immediately called Fifth Third call center and spoke to XXXX to be told my account address was changed via the phone. I asked to freeze accounts but could not be done on the phone so I went to the branch. The address was changed on my account by a person by the name of XXXX XXXX but why would that be in the bank notes and why would the bank allow another person to change account address??? I asked why the address would have been changed all they could tell me it was done on the phone. What? And what about multi faceted questions to check account holder??? HELP!!! My bank statement may have gone to this new XXXX address they could not tell me if that happened
Consumer complaint received 2015-10-02
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch (CA)

I received a letter dated XX/XX/XXXX from First Investors Financial Services , Inc. stating that my request for an Auto Loan Refinance was denied due to information obtained from XXXX, a consumer reporting agency. I did not, nor have I ever, requested an auto loan refinance with this company or any company. I purchased a new vehicle in XX/XX/XXXX and it is financed through XXXX and I have no intention of refinancing. I called the company today XX/XX/XXXX to discuss how this could happen, but was told they had no record of this under my social security number and that the social listed on the application was different, but they would not provide any further information. When I requested to speak to a manager, I was told I could not and that they would not provide any further assistance. I then requested my XXXX credit report to confirm if in fact an inquiry to pull my credit report did occur from this company and confirmed it had on XX/XX/XXXX. This is 1 ) an invasion of my personal privacy ; 2 ) damaging to my personal credit record/score and more importantly 3 ) a violation of the Fair Credit Reporting Act ( FCRA ) as this company had no right or legal " Permissible Purpose '' to pull my credit report. The whole purpose of this regulation is to protect consumers such as myself, so there must be action that can be levied against this company for misuse of their authority. I filed a dispute with XXXX today and have filed this complaint with the FTC and the CFPB in an effort to determine what I can do to prevent this from occurring again to myself or others. Thank you for your time.
Consumer complaint received 2015-10-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (NY)

I have used Scottrade for 3 years, 2 times. The first, I should of learned my lesson. Some of the branch reps, are highly rude, talk down, when they in fact make errors and due to technical issues, I lost XXXX on the XXXX. I placed a buy pre-market and has been done plenty of times. After XXXX am Eastern time to XXXX, I could not switch from extended to regular to sell my shares while all else worked fine. I called the branch and was told, " Well what do you want from me? '' Unreal! I told him what happened and he offered one free trade which when after I decided to leave later and said I may come back later, it was removed from my account. Then when I went down to do an in-person wire transfer, another rep messed up in detail after reviewing all information and got double-charged {$50.00}! That is just a small part of what service I received. 

You get what you paid for and will NEVER return, and they SEC, XXXX should look into Scottrade. I have heard so many real stories and i am no sore loser if I lose money. But they have countless technical issues, horrible customer relations and attitude changes dramatic when I turned down a rep from a branch for assistance for a Broker to handle my money. My advice, get out and use XXXX, XXXX, XXXX XXXX, XXXX or any other. Trust me and do not say you were not warned!
Consumer complaint received 2015-11-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

In XXXX, I was sent a credit card statement from Macys American Express that said {$300.00} was due. Upon further investigation, I found that a series of daily {$25.00} charges were made and added up to a total of {$300.00}. I called Macy 's American Express to tell them of these fraudulent charges. The company did not remove these charges and told me that I would have to send them complete a form stating to confirm that these were indeed fraudulent charges. I received the first form, which I completed and sent back. However, I received another form stating that they did n't receive the first. I sent the second form to them. I did not hear from them and assumed that they had taken care of the problem. On XXXX XXXX, I called to confirm and was told that due to my lack of response, the fraud claim was closed even though no one called me to tell me or wrote me to tell me. I discussed this with the manager and they told me that the forms were not received due to a systems update. I asked for a form to be sent and was told I would receive it within 10 business days. I checked every day and finally called after the XXXX business day only to be told that due to the systems update, forms were delayed in being sent out to me. I have called again XXXX more times only to be told to wait for these forms. In the meantime, my {$300.00} are accruing financial charges and interest fees. I would like to have Macys American Express stop giving me the run around for 4 months and just take care of these charges as I am not liable. From what they tell me, it appears that these were online transactions due to my credit card number being stolen. The card in question is still in my possession. From all my interactions with other credit card companies, they remove the charges right away. I do not understand why it has taken so long for them to do so despite my diligence in responding to them.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

The Company states i owe credit card balance from a Credit Card I DID NOT apply for. I report this as Identity Theft. The Company was asked to send me proof of my signature of the application and did not send any information to support the accusations.
Consumer complaint received 2015-10-06
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (KS)

I had used Chase credit cards since I was XXXX years old, always paying them in full. I had identity theft in XXXX XXXX, 2014 and from then on, I was issued the XXXX cards that I use more frequently with chips in them. XXXX was a Chase Freedom and the other was a Chase XXXX XXXX. Shortly after I would receive the card, there would be a charge in XXXX XXXX, California for a nominal amount and an alert sent to me to contact them if this was not my charge, so I would. But, I had all kinds of surrounding situational stress re : my ability to check cards online and other issues related to both the identity theft ( which happened through an exposed apple id keychain which had bank account passwords ... .there were subsequently transfers from my accounts of {$66000.00} XXXX. So, there were two times in which I thought I had lost the card and it was replaced, but XXXX did n't have a chip and the next XXXX did. And, they would consistently have these charges for several dollars XXXX. 

I wo n't get into the reasons as they are related, but I had to go XXXX to be able to do any work online ( leave my home workspace and this ISP ) and my mailbox with the card I had requested a month ago and never received was then vandalized. When I returned and this card finally showed up XXXX I 'm presuming due to mail cover XXXX it had the same XXXX XXXX charges and it did have the chip. I finally just terminated the card, but I now can not get any credit card from Chase. And, I have had the Chase XXXX XXXX card and paid in good standing now for 18 months yet they do n't report this XXXX as an open line of credit in good standing. Because of all of this and being advised to close open credit cards after the identity theft, my XXXX has gone from XXXX to now below XXXX and I can not get a credit card for Chase or practically anyone.
Consumer complaint received 2015-04-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Lloyd & McDaniel, PLC (KY)

I received a letter of a debt owed to Lloyd & McDaniel. so I called to see what was the best route to go to repay the debt ( that I 'm still not a hundred percent sure how I got it ). We agreed that I would pay hundred dollars on the XXXX of each month until the total amount was paid. After making the first payment I got a call from human resource at my job about a garnishment from this same company. Thinking there was a mistake I called Lloyd & McDaniel the debt collector to clear the issue up. After being called a liar for fifteen minutes and being reminded that all calls are recorded which I found funny because if they listen to the previous call it would have cleared up this whole situation so I decided to end the call and try back later. I woke up to today to see my bank account had a XXXX balance, so thinking there was a banking error a called them and I found out the company in question was no other than Lloyd & McDaniel. So pretty much they lied to me to get my bank information and withdrew all my funds. It sad because I was going to pay a debt that I 'm still not a hundred percent sure about to keep my credit score high but instead got hustled by a company with no morals.
Consumer complaint received 2016-07-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

my name is XXXX my husband and I for the past three year went through some XXXX XX/XX/XXXX-XX/XX/XXXX. however are trying to cleared up our debt. our mortgage loan is through XXXX XXXX XXXX. but was originally through XXXX XXXX. now we were told our loan servicer is Green-tree now it is Ditech. we are trying to modified our home. for the past three years we have send document to XXXX XXXX XXXX, green tree and was told they never got them they gave us mailing address we send document 3-6 times they did not receive but never return to us then faxed multiple time still having problem. we had to hired a lawyer. and we had a mediation they told send profit and loss and we would get option within 30 days that never happen. originally back about 6-8 years we have a income loss and needed modification. we did not pay our mortgage for about 3-months we were send document to modified our loan. during that time we send whatever money we could. our loan was turned over to XXXX XXXX XXXX from country wide. I was not sure if we were ever modified. went I call to get help when we first got sick we were told no. after we went into default. they called and we ask if we were ever modified they said no and we are qualified for modification which never happen. now they are saying we did get HAMP modification. I know we had to sign some document for bank as our new servicer. but still not sure of what happen. nothing is ever straight. we are asking for help in this matter we would greatly appreciate it thanks
Consumer complaint received 2015-03-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (LA)

My business collapsed in 2013, forcing my wife and I to leave our home and move in with family. My mortgage company, America 's Servicing Company, took possession of the house and changed the locks before they were supposed to ... and before we could remove all of our possessions. We applied for a deed in lieu of foreclosure, XXXX. Our initial paperwork was lost. I contacted you last XXXX ( 2013 ) regarding our situation, and they were fairly quick to respond. Since then, we have had XXXX home preservation specialists, had our home in active foreclosure ( with XXXX auction dates ), and have been told most recently that there were no plans to foreclose and our deed in lieu has been approved. We were told to contact Mississippi Home Corporation to arrange for authorization for ASC to request that they subordinate their lien on the property ( we received money through the Hardest Hit program to try and keep our home ), which we have done, in writing. After receiving a notice that we are now assigned to our latest home preservation specialist ( # XXXX ) just a couple of days ago, we receive a letter from an attorney 's office that we are indeed being foreclosed on ( again ) and being sued for over {$210000.00} on behalf of the primary lienholder. We 've had no other recent communication from ASC regarding our account aside from our monthly statements. I will be writing to the attorney to attempt to postpone the sale ( no date yet ). Please help us if you can.
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TN)

I work on straight commission. At the beginning of 2015 I had several months in a row with no income, because sales were down with the economy. My loan was formerly with XXXX and they sold the loan to Wells Fargo. I asked Wells Fargo for assistance being that I was a couple of months behind on my payment and they said they could only help me if I stopped making my mortgage payment. I took their bad advice and missed another payment and after applying multiple times and being told that they never got my application, or they lost my documents, they finally told me the only thing they could give me was a repayment plan. They proceeded to raise my payment from {$1200.00} a month to over {$1600.00} a month. I asked them how this was suppose to help me and if I was having a hard time paying {$1200.00} how they could justify asking me to pay more. I asked them how this is suppose to ease my hardship. They told me I had no other choice unless I wanted to short sell the house or do a deed in lieu. I explained that I wanted to keep my house, not give it away. Reluctantly, I had to borrow money from my retirement just to make the first payment and then predictably, I could not afford any of the payments after that. I was so worried about Wells Fargo trying to foreclose that I hired a law firm to try to reason with them. I am in a real hardship. I could not have anticipated that my job would slow down so much. My mortgage is 34.51 % of my income, so I meet the federal criteria. From what I 've been told the Obama administration has said any interest rate above 6 % is considered a predatory loan. I am at a ridiculous 9 %. It was at 9.5 % when they gave me a modification 2 years ago, so the bank did not really help me last time. I am not asking for charity. I am just asking for a decent interest rate that is not double the national average and to be able to keep my home. Please investigate my file with Wells Fargo and you will see I have provided every document and meet all the Federal criteria. From what I understand Wells Fargo was fined a lot of money by the Dept of Justice already, but it must not have been enough to act as a deterrent because they are still targeting minorities like me who they believe are not educated enough to fight for their homes. Please, whoever is reading this, help me save my home. I am a good person who has just fallen on hard times. I believe this is why these programs were created, but Wells Fargo has done nothing but thwart my efforts every step of the way. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : WELLS FARGO
Consumer complaint received 2015-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kenneth, Eisen & Associates, LTD. (AZ)

XXXX XXXX wrote of sums of money and sent it to Kenneth, Eisen & Associates, Ltd. 
Physical Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX who place XXXX debt collection on my credit report. Only to find the amounts and monies owed to XXXX XXXX were erroneous, there has been no pre validation attempts by the above mentioned Debt Collector nor a 30 day dispute process the information was automatically just posted to my Credit report. After speaking With XXXX XXXX it was their error that this went into this state of collections. This collection agency needs to remove BOTH collection records on my Report.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2024, I visited the XXXX XXXX area of XXXX, XXXX XXXX XXXXXXXX to go to a department store. After exiting the XXXX  near XXXXXXXX XXXX on XXXX XXXX ( XXXX XXXX XXXX ), an unknown male approached me, claiming he had a knife and would use it if I didnt comply. He forced me to accompany him to the Bank of America branch ( XXXX XXXX XXXX  ) and demanded I withdraw {$500.00} from the ATM. I complied out of fear for my safety, as I only had around {$580.00} in my account. He also coerced me to deposit a fraudulent {$990.00} check, then took the {$500.00} and fled. 

Once I felt safe, I reported the incident to a staff member at the Bank of America branch, but I was incredibly disappointed with their response. The staff was unhelpful and showed a lack of empathy, simply advising me to call the fraud line. I followed their advice, had my card canceled, and reported the crime at the XXXX XXXXXXXX XXXXXXXX  ( XXXX XXXX XXXX XXXX XXXX Officers took my statement and drove me around the area to search for the perpetrator, but he was not found. They then spoke with bank staff to obtain CCTV footage. 

On XX/XX/2024, the XXXX informed me that they had arrested and charged the perpetrator with first-degree robbery. I am awaiting further information on court hearings. 

On the day of the incident, I filed a fraud claim with Bank of America ( Claim number : XXXX ), but it was rejected. The bank contends that I willingly withdrew the {$500.00}, but I did so under duress. I am also disappointed that Bank of America refused the claim without conducting a thorough investigation. Additionally, I reported the fake check to the bank on XX/XX/2024, to ensure it was canceled. 

I have attached copies of the XXXX crime report, the order of protection from the XXXX XXXX XXXX, and Bank of America 's response to the claim.
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

eviction was file against me in XX/XX/2012 but never was execute but is showing in my credit reportthe I did have eviction at that time at this moment this wrong report is cause to me and my kids to find a apartment to move, I just was reject my application from XXXX located at XXXX XXXX XXXX XXXX fl. XXXX. I need to have remove this issue from my credit report ... 
thank youXXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.