davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-24
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (CO)

I placed an order with XXXX for appliances in XX/XX/XXXX. I filled out and mailed a rebate form for a {$120.00} Visa Debit Card for purchasing XXXX washer and dryer that was part of the order. I received a debit card through the mail sometime XX/XX/XXXX. I did not activate the card. In XX/XX/XXXX, I received a letter in the mail from Blackhawk XXXX notifying me that my debit card may have been compromised and they were sending me a new card which I received in XX/XX/XXXX 
Around XX/XX/XXXX, I went to the myprepaidcenter.com web site to activate the card. I discovered only {$2.00} credit remained on the account. I called a Blackhawk representative and he stated that two purchases were made on the XXXX web site on XX/XX/XXXX in the amount of {$83.00} and {$39.00}, respectively. The representative told me he would send a dispute form in the mail for me to fill out and once received by XXXX, the account would be credited the full amount of {$120.00}. 
I never received the form, so I called again on XX/XX/XXXX. This time I spoke to XXXX XXXX. She said she would email me the form that day. Once again, I was told to just fill out the form and my account would be credited the full amount. I filled out the form and tried to fax it along with supporting documentation numerous times over XXXX days XXXX XXXX XXXX and XXXX XXXX ) to the fax number provided. Everything worked fine on my end, but when the fax machine connected on their end, nothing would happen and the transmission would time out. I sent an email stating the problem but did not get a response. So I emailed the dispute form and also mailed it to the address shown in the instructions. 
I did not hear back from Blackhawk so I called them on XX/XX/XXXX and spoke to XXXX. He said Blackhawk received the dispute form and his management are reviewing the dispute and will contact me within XXXX business days. I never heard back from Blackhawk. 
Around XX/XX/XXXX, I then received two notifications dated XX/XX/XXXX in the mail from Cardholder Services stating that they had sent me a letter concerning the unauthorized activity on my account ; then stating that since they did not receive my inquiry ( which they never requested in their letters ) within the timeframe allowed to pursue the dispute the claim has been closed. Each letter was for one of the two XXXX purchases. 
I feel this has been a scam all along. I never activated the original card, but yet someone allegedly used the account to make the two purchases on XX/XX/XXXX Blackhawk never indicated at the beginning of this issue that I had to fill out a dispute form. They just sent me new cards and never indicated I had to fill out a dispute form. I had to initiate the discussion with Blackhawk to find out they wanted the dispute form and then it took effort and time to finally get it to them. Then they say my dispute form was received too late. Something is amiss.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

This has been an ongoing situation with Chex-systems. I have faxed to them on XXXX occasions the social security card they were requesting because they said my file is being merged with someone with a similar name. I also sent to them a copy of my identity theft police report listing the fraudulent inquires that are related to the fraud that has occurred and they have not sent me any letters as they stated they would. I have requested on several occasions for them to remove the fraudulent inquiries from my file and yet they continue to ignore my request.
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

Mortgage company is charging me for an unsubstantiated corporate advance for real estate taxes paid that were never paid by the mortgage company. I never even had an escrow with them. This is fraudulent. Requested copies of proof that they paid these amounts and to whom ( requested specifically cancelled checks ) - they ca n't prove they paid it and are unwilling to remove the corporate advance from the account. I can prove that I, and I alone, paid for all of my property taxes. Again, there has never been an escrow on my home which I have owned for 11 years now. How do I get the fraudulent amount removed from my account? I have proof that all property taxes have been paid via my personal bank accounts - I have receipts and cancelled checks, ACH transfers made from my accounts that proved I paid the real estate taxes and not them! Fraud, fraud, fraud! I have spent over 18 months trying to get this resolved but the customer service is non-existent - the agents are rude and clueless.
Consumer complaint received 2015-11-13
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I went to Bank of America to make a bank transfer to XXXX it 1st goes to a XXXX bank, can not be done on lineThe bank associate did not listen to me and sent the banktransfer direct to XXXX, client called, said money is beingreturned, went back to the bank the associate said she wouldhave the transfer returned and sent another bank transfer, the associate forgot to have the 1st transfer returned so thethe client got XXXX bank transfers of $ XXXXI sent a email to the XXXX of Bank of America it has been7 weeks, and Bank of America says its my fault and want to our company to settle for half the money $ XXXXI never thought that Bank of America would act this wayto a client..they have refuse to take any blame and refuse to refund our money this started XX/XX/2015How I found out the associate forgot the have the transferas I call the bank transfer department and they told me the1st transfer was never stopped so on XXXX/XXXX/15 I called thebank, that is when the associate did the return of the 1sttransfer
Consumer complaint received 2015-07-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (TN)

XX/XX/2015-as End of term on loan-balance XXXX of a 5yr loan. Honda Financial began calling repeatedly -placing calls to my work & home XXXX within a week- ( they have been asked NEVER to call my job ) -on XXXX call, Honda told me that the last payment should have been XXXX I informed HONDA that the last payment was out of my financial possibility ( monthly note XXXX. ) that the XXXX pmt has been made and that the last principle payment would be make in XXXX. HONDA- refused to make arrangements with me due to end of term??!! and began calling and harassing. I have asked HONDA to remove my number, I 've never missed a pmt, stop calling me-I 'm a human being PLEASE please stop going by your computer and be human ... .final pmt will be made XXXX - they informed me how they are going to report this as LATE on my credit, although it 's NOT -- I 've noticed throughout the life of my loan HONDA charged me a constant XXXX as late fees ( even when pmt was on time or with in a few days of due date and additional XXXX late fee ) in which HONDA automatically would charge the next month on the statement -when asked about the XXXX cent / and the double late charge -- I was told that its because HONDA applies the new payment -resulting in a late charge on my account -- I felt threatened, I told HONDA I 'm reporting this situation - I feel harassed, are they trying to MAKE me PAY moneys what I do n't have?? I have never heard of the last payment on term loan HIGHER THAN the monthly note -please assist on that matter. As well as I am concerned I may have be over charged in my interest on my loan -- please contact me with how do I place my name for review in that class action law suit??!!
Consumer complaint received 2015-07-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

I applied to Wells Fargo Home Mortgage for assistance on my loan XX/XX/XXXX. At the time, I was 60 days past due. I requested a deed in lieu of foreclosure. Every 30 days or so they request, in writing, additional documentation. I provide the documentation and request receipt confirmation by a phone call. 
I had until XX/XX/XXXX to submit the most recent information. I provided the information by fax on XX/XX/XXXX and placed it in the mail ( " snail mail '' ) on roughly the same day, give or take two days. 
Since XX/XX/XXXX, I have placed three phone calls to my " Home Preservation Specialist '' and her supervisor requesting a return call. It is now XX/XX/XXXX and Wells Fargo has not called. 
The Home Preservation Specialist is now XXXX XXXX ; between the months of XX/XX/XXXX and XX/XX/XXXX, it was XXXX XXXX. XXXX XXXX is XXXX 's supervisor. 
The outgoing voicemail message for XXXX XXXX on XX/XX/XXXX stated, " Today is XX/XX/XXXX. If you are calling between the hours of XXXX and XXXX Eastern Standard Time, you may press XXXX to be connected to the next available Home Preservation Specialist ''. When I pressed XXXX, I was informed by a robo-operator " no operator defined '' and re-routed to XXXX XXXX 's outgoing message. 
XX/XX/XXXX, I reported to XXXX XXXX I had consulted with an attorney regarding debt negotiation. I also requested a copy of all correspondence from Wells Fargo related to my request for assistance dating back to it 's conception in XX/XX/XXXX. She agreed to send it. I have yet to receive said correspondence and since that time I have not been able to speak with anyone.
Consumer complaint received 2016-01-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Adler Wallach & Associates, Inc. (CA)

I was called at all hours of day & night Some calls at XXXX. Some at XXXX XXXX all west cost time. With them telling me I will go to jail with the warrant. They call friends & family telling them the same thing. Harassing friends and family. Contacting credit reporting agencies several times a week. Report to my credit report five times a week in some cases. Lowering my credit score from XXXX to XXXX.
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I HAD MY BUSINESS FALL APART DURING THE RECESSION I WAS JUST GETTING ON MY FEET FINANCIALLY WHEN I XXXX WORKING I WAS ABLE TO GET A LOAN MODIFICATION ON MY FIRST MORTGAGE THROUGH XXXX AND HAVE BEEN CURRENT EVER SINCE. BUT I APPLIED FOR A LOAN MODIFICATION ON MY SECOND MORTGAGE THROUGH MAKING HOME AFFORDABLE AND CHASE BANK AND HAVE BEEN DENIED MORE THEN 5 TIMES WE HAVE BEEN DUAL TRACKED MOST OF THESE TIMES HAVING A SALE DATE AND LOAN IN UNDERWRITING AT THEM SAME TIME. THAT IS CLEARLY AGAINST CALIFORNIA LAW. WE GET TURNED DOWN FOR TO MUCH INCOME, THEN NOT ENOUGH INCOME THEN ASKED TO REAPPLY. WE WANT TO KEEP OUR HOME WE CAN NOW AFFORD A PAYMENT I AM A XXXX VETERAN AND ITS BEEN ALMOST 3 YEARS SINCE OUR FIRST SUBMISSION I JUST SUBMITTED AGAIN YESTERDAY PLEASE HELP US
Consumer complaint received 2015-07-07
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: United Military Mortgage, LLC (TX)

Lower Va Rates has stood up to proper business practice, since XXXX 2015 with a approval stated after weeks of processing per LVR, I have signed contract documents with the present of my wife and notary. Yet, no closing up to now, XXXX 2015, I have back paid mortgage payments : XXXX, XXXX, XXXX. Still no results nor contract made until I call in a rage on status but a lot XXXX/run around stall actions from LVR. I am XXXX, XXXX veteran, unemployed and my spouse is unemployed with medical conditions. I have applied LVR before without any delays, but today there bad business practice that shouldbe dealt with HARD!!!!!!! Bills/credit are behind due the instructions given LVR and yet no results as when the two months and amount of mortgage payment???? Budget!!!!!
Consumer complaint received 2015-07-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Advanced Collection Bureau, Inc. (FL)

I have never received a bill from the original creditor and do n't know why I owe this much money. I sent a letter to the collection agency to get information about this debt including the last billing statement that shows why they believe I owe this money. I did n't hear anything back from the collection agency so I called them earlier this month. I was told that they will not send out anything to me and asked me to pay the full amount. I do not want to pay anything if I 'm not given proper documentation as to why I am paying it.
Consumer complaint received 2016-02-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Wilson, Riley & Associates (CA)

I have received numerous phone calls at work from Wilson, Riley and Associates at XXXX leaving messages that I need to call back immediately or face legal repercussions. I do not have bad credit or any outstanding debts. I called back and the male that answered the phone was very rude and disrespectful. I told him not to call me at work, I am not XXXX XXXX and I was going to report him for contacting me. He said he is within his rights to contact me and to have fun trying to file a complaint. I do not want this company calling me and harassing me at work. I could lose my job for having personal phone calls like this. My job also does credit checks and my good credit is dependent on me keeping my job. This is creating a stressful unnecessary hardship for me.
Consumer complaint received 2016-01-16
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (VA)

This is a dispute to case number XXXX. 
I received a response from Chase sharing that they closed my file due to lack of response in XX/XX/XXXX. Chase provided XXXX letters [ XXXX letter dated XXXX/XXXX/XXXX with a deadline of XXXX/XXXX/XXXX and a letter dated XXXX/XXXX/XXXX with a deadline of XXXX/XXXX/XXXX for additional information. I submitted said information on XXXX/XXXX/XXXX as evidenced in this attachment. 
In addition, the criteria for information being requested continually changes : 1. I was told that I would need to justify non-payroll income. The underwriting returned my file to justify a deposit that was a payroll deposit in XX/XX/XXXX and XX/XX/XXXX. Each time I provided documentation. In essence, if I provided documentation that it was a payroll deposit in XX/XX/XXXX, I do not understand why I would need to justify income again on a criteria that was not part of the original criteria. 
2. I received another letter dated XX/XX/XXXX, I was told that I would need to justify deposits over {$1000.00} that are not paychecks with the submission of XX/XX/XXXX and XXXX bank statements. I provided the bank statements. I did not have any non-payroll deposits. 
Approximately, two and a half weeks later, I received another dated XXXX/XXXX/XXXX that I needed to justify spending over {$1000.00} on my bank statements and another copy of my thrift savings account. 
3. On XXXX/XXXX/XXXX I received another letter my chase stating that my file was suspended and need to justify I took a loan out on my TSP account in XXXX. My supporting documentation shows that my loan was taken out in XX/XX/XXXX and not XX/XX/XXXX. Furthermore, this is the same loan documented at the time of my original assumption request back in XXXX. Chase is also asking me to justify information that is public knowledge ( i.e ) the terms for General Purpose loans with the TSP. I would also imagine given the volume and number of loans originated by Chase, their underwriting professionals know rules and guidelines an individual can have for TSP loans based on the type of loan.
Consumer complaint received 2015-06-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

We just received a request for payment of our mortgage from a new lender, so our loan must have been sold. However, we just sent XXXX payments ( the additional payments will go towards principal ) to Bank of America, not knowing they sold the loan. What is our best course of action? We do n't have the cash on hand to make a payment to the new servicer, how do we get the money from BoA to the new company? Is there a way to block loans from being sold? The new servicer is called XXXX, is that a reputable company?
Consumer complaint received 2015-04-24
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: MORGAN STANLEY & CO. LLC (MA)

This complaint is in reference to a Modification filled with Saxon XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. My Loan number is XXXX. 
I have tried to get a Mortification for my home for 6 years. I am filing this complaint against my XXXX Modification Company, Saxon. They held my mortgage for 3 years. Then once the approved my modification they sold my loan and the process begins again. 
I became in financial trouble due to XXXX with friends. They XXXX left within a year and left me with all the financial debt. A {$60000.00} investment divided by XXXX was {$20000.00} each til they left and now I was left with a {$60000.00} debt in my name, during the worst financial times, because I financially funded the project. They left and XXXX after I taught them how. They left me in a financial mess. 
In XX/XX/XXXX my mortgage was current ; I called Saxon XXXX and explained the situation. I was told that I could not receive a modification unless I was 90 days behind in my mortgage. They told me I was eligible, so I decided to proceed and let my mortgage become delinquent so I could lower my payments. I figured I would get the modification right away and be on track. I was naive and made a big mistake. I should have gone to a traditional bank and apply for a standard 30 year mortgage. 
Now XX/XX/XXXX to XX/XX/XXXX with Saxon ( loan number XXXX ) no modification. I applied each month for 3 years and they never received the paperwork or the paperwork expired after 30 days and I would reapply. A terrifying experience, month after month, I applied with no modification. In the meantime, I realize, I am not qualified to deal with this situation alone. I hire a mortgage consultant to help me with this process. Finally XX/XX/XXXX, after 3 years of this nerve racking experience, they grant me a modification. During the trail modification, I pay early and on time for all XXXX XXXX payments. After the XXXX payment of the XXXX modification, I receive a letter from Saxon informing me that they sold my loan to XXXX ( a subsidiary of Saxon ). I do not get a modification from Saxon after three years of a terrifying experience. My mortgage is now in limbo. I am terrified, will I have a home? I did all the right things, followed all the instructions and no Mortgage. 
Now informed by XXXX ( loan number XXXX ), they do not honor trial modifications and I need to reapply for a XXXX modification with them. But, they give me the option to sell my home to them? The loan amount was {$370000.00}, my home is worth {$450000.00}. and they want my home? 
I was horrified, scared and bewildered. What was I to do? 
This complaint involves XXXX consecutive companies Saxon, loan number XXXX, XXXX ( loan number XXXX ) and now XXXX ( loan number XXXX ) I was told by CFPB, I need to file XXXX individual complaints against each company. 

Thank you, XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I filed a complaint with the three major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In a recent review of my credit reports I noticed XXXX XXXX XXXX had placed several 30-60 late payments marks on my credit reports resulting in negative tradelines and significantly lowering my credit score by XXXX points. Perplexed as to how XXXX was furnishing this information to the credit bureaus as I knew it to be incorrect, I contacted XXXX with my concerns re : the late payments. After speaking with several reps re : this matter, I was informed that XXXX had been applying miscellaneous fees and charges to my account offsetting my monthly payment and only applying partial payments to my account as if I was not making my monthly payments in full every month. I was also informed there had been missing payments in the past on my account resulting in more derogatory information being supplied to the credit bureaus. Infuriated by this new information, I explained to the reps that I had never been late nor had I missed any payments, and all my payments had been paid in full based on what was due in my monthly statement. I also explained that I had a trail of receipts in the form of emails, screenshots from my smart phone, and my bank statements showing these payments were made in full on time. I then inquired as to why this had never been brought to my attention in the numerous conversations I have had with XXXX reps in the past and no rep could explain to me what the problem was. This was XXXX of the many issues I have had with XXXX reps. Every time I have spoken with a rep it has been nothing but inconsistent, incorrect information. After speaking to the last XXXX reps XXXX ( XXXX ) in XXXX, XXXX, and XXXX ( XXXX ) in XXXX, XXXX and inquiring about the discrepancies with my account, I asked if there was a higher division or department where I could speak to someone directly since no one at the basic phone reps level could assist me further, I was told no, there was no one to speak to directly regarding my dispute on my account and issues regarding this matter and it would have to be escalated to customer care via mail only. I inquired once more to see if I could get a phone number or even a fax number and again there was nothing to be provided and I just have to mail in my concerns. I was beyond angry with this information. How could a company this big not have any direct contact information for matters of this nature. Credit is extremely important in this day and age and to not have any one or any department to directly assist with credit disputes is completely unacceptable. To date XXXX has placed XXXX late payments on my credit reports which has severely damaged my credit. At this time I am requesting XXXX to thoroughly go over my account, find where the mistakes were made, correct the mistakes, and update my credit reports with correct information.