davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

I bought an investment home the rent was supposed to cover my mortgage right after I closed on the property I was denied access to the property due to a forged deed.I made a title claim I explained to Wels Fargo and told them I ca n't pay the mortgage due to the fact that I ca n't rent out the house.I was told not to worry that I should not pay Wells Fargo and it will not ruin my credit today im a victim of fraud and now my credit shows a whole bunch of missed payments due to the mishandling of wels farg.I have reached out to Wels fargo many times and the they promised to remove the late payments from the credit reporting agencys
Consumer complaint received 2015-05-24
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Blackhawk Network Holdings Inc. (MS)

On XXXX XXXX, 2015 I loaded XXXX Reloadit cards to my Reloadit safe. XXXX Reloadit cards had {$500.00} on them. After I successfully loaded the cards to my safe I had a safe balance of {$1000.00}. Then I loaded {$1000.00} to my XXXX prepaid debit card. The Reloadit safe indicated that the load was successful, but when I checked my XXXX account online, only {$500.00} dollars was added to my account. 

I called Reloadit XXXX times to correct this situation. XXXX times the customer service person told me someone would call me. Nobody form the company has called me, nor have they returned my {$500.00}. 

My Reloadit Safe account : XXXXXXXXXXXXMy Reloadit pack number that disappeared : XXXXMy Reloadit pck number that loaded successfully : XXXXReloadit case number for this problem : XXXXMy XXXX card number : XXXX
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (PA)

Ok, so neither my XXXX nor XXXX XXXX ( XXXX ) card, both XXXX XXXX backed, were being updated on my Equifax credit report. These account would update every month on both XXXX and XXXX but around 6-8 months ago they both stopped updating on Equifax , the only way I could get them to update was dispute, which would take 30 days to get them to update then the information would be out of date again and I would have to start the process all over again. This should not be the case. I contacted both Equifax and both XXXX XXXX ( XXXX ) and XXXX ( XXXX ) and all of them passed the blame onto each other. XXXX and XXXX blamed and Equifax said they never received any information. So basically everyone was passing the buck and no one wanted to take any responsibility nor help resolve the issue. My last conversation with Equifax rep stated nothing they could due to get them to report accurate information other then disputing which I really did n't want to do as it does n't resolve the bigger issue but I said ok. Now 30 day 's later my 2 years of positive credit history with XXXX card has been removed from my Equifax report. This is unacceptable and I want this problem resolved permanently, and as I have had no luck with either of the companies, I am turning to you to hopefully get something done. This is a violation of my rights under FCRA as accurate information is not being furnished to my credit reports which has affected me in my credit approvals for the last 8 months. I want to buy a house next year and ca n't have these people screwing around with my credit reports. Please help me fix this. Also this dispute was not initiated by me, it was the Equifax rep who did it, so I have no idea how he coded the dispute, if it was coded anything other than verifying balance/credit limit etc then he did represent our conversation nor the issue I was calling to resolve. This has been an ongoing terrible experience.
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TX)

LoanCare is reporting I was 30 days late on my mortgage in XXXX XXXX and was sent to the bureaus on or about XXXX. I pay every month, and pay extra nearly every month as safe measure so that my credit is preserved. A senior representative named XXXX ( XXXX ) had told me over the phone on XXXX XXXX that no lates would be reported. On XXXX XXXX, I had received word that XXXX30 day lates were being reported on this account. On XXXX, I spoke with XXXX XXXX and she was unwilling to begin the process of removing all derogatories from being reported, and felt the reporting was accurate and valid. She claims that the note requires I pay each month in full. Since XXXX was short of the full payment, they held this money 'in suspense ' and reported I did n't pay. So they held onto my money and did n't apply any of it to my mortgage upon receipt. Here are the terms stated in paragraph XXXX of my note ( Payments ) : 1 ) " I will pay principal and interest by making a payment every month '' & lt ; I DID THIS & gt ;. 2 ) " I will make my monthly payments on the first day of each month beginning on XX/XX/XXXX '' & lt ; payment is always received between the XXXX and the XXXX, and never 30 days late & gt ;. 3 ) " I will make these payments every month until I have paid all of the principal and interest and any other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest before Principal. If, on XXXX XXXX, XXXX, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the " Maturity Date. '' '' & lt ; in compliance to-date & gt ;. 4 ) " Each of my initial monthly payments will be in the amount of U.S. {$960.00} '' & lt ; I always pay over that amount & gt ;. 

So, the note terms have been met, but they are unwilling to change how my monthly overages are applied, as well as apply money that 's been sitting in 'suspense '. This is a violation of my Fair Lending rights and the rights of others whom they have extended credit. 

There was one incident which may have provoked this. I changed banking institutions that month for my personal checking account. Through online bill pay, I requested XXXX of XXXX payments to go out in the amount of {$1000.00}. XXXX XXXX XXXX XXXX sent the check out from their warehouse to LoanCare. LoanCare made ONE ATTEMPT ( verified by the credit union ) to deposit this check and it was denied by the credit union. The credit union admitted they made a mistake, but did n't know why a XXXX or XXXX attempt was not made. Attached, is a letter from them stating their error. Even so, I 'm still in compliance to this note. If extra monies made each month were made in whole or part to escrow, I should also still have more than the minimum required in there, too.
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I have submitted serveral times proof of ongoing identity theft and the company refuses to delete inaccurate information they they calme to be verified by a third party called XXXX related to inaccurate BK information. I have submitted an ID theft report attached and information from XXXX themselves showing no such file. For more than ten years someone has been using variations of my social and committing theft. I have notified the IRS and all involved authorities and expect the CRAs to act accordingly Please have them abide by the laws set for this time of situation and block this information or delete it.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I had a negative item that was recorded in error, a state tax lien. it was removed last week. I was surprised when my credit score instead of getting Jump got a hit, it went down from XXXX to XXXX a XXXX points without any new entry or or addition to my credit report other than Removing the Recorded in Error Lien. It seems that after complaing to CFPB about Equifax refusal to remove the Recorded in Error lien, equifax decided to take revenge and Punish me for complaining?! 
But the issue here, i am trying to get a XXXX Loan and such agregious act by Equifax would mean that i may and may not get that loan. And in case i get, i would have to pay Considerably high interest Rate. 
Please Please Help.
Consumer complaint received 2015-11-19
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

Mortgage Loan XXXXTo Whom It May Concern : I have submitted settlement offers regarding the above loan to Indymac Mortgage Services five times since XX/XX/XXXX. On XX/XX/XXXX I received a counter offer from Indymac in the amount of {$19000.00}. I agreed to this offer and was in the process of arranging a wire transfer when the account manager, XXXX XXXX stopped returning my calls. I was able to contact XXXX again on XXXX/XXXX/XXXX and was told to resubmit the {$19000.00} offer in writing which I did. I never received a response. 

On XXXX/XXXX/XXXX I received a call from XXXX XXXX informing me that the debt had been discharged and they were now in charge of collection on the account. The account XXXX, XXXX XXXX directed me to submit a settlement offer. I continued to submit documents over an over without a proper response or a settlement conclusion until a call to XXXX XXXX on XXXX/XXXX/XXXX was rerouted to a new collection company called XXXX XXXX XXXX. They informed me that they are now in charge of collection on this account. I resubmitted documents to them several times between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX XXXX and XXXX XXXX, both of XXXX XXXX XXXX informed me by telephone that the offer was denied, but there was a counter offer of {$120000.00}. When I asked them for proof in writing from Indymac they refused to provide it and told me the full balance was now due. 

I never received anything in writing from Indymac or XXXX XXXX Services that they are in charge of my account. I do not know if this is a legitimate company as they will not share their address or domain. In addition they will not share with me the actual denial letters or counter offers that they claim were generated directly from Indymac. I have spoken to several representatives at Indymac who claim that XXXX XXXX XXXX still services the account and that they have the authority to settle the account on behalf of Indymac. Once again I am not able to reach anyone at XXXX as all of their calls are rerouted to XXXX XXXX XXXX. 

I am requesting that Indymac Mortgage Services contact me in writing with the reasons for each settlement denial, the documents used to make the decisions and the full name, address and contact information for the collection company that is charge of my account.
Consumer complaint received 2015-11-04
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings (CA)

I bank with XXXX XXXX XXXX in XXXX California. I recently took out a loan with Speedy Cash. I sent an email to Speedy Cash on XXXX XXXX, 2015 requesting that they stop all ACH withdrawals immediately. They ignored that request and debited my account for {$250.00}. I was in the process of making small weekly or bi-weekly payments to them. I had even spoke to them on the phone. They had agreed to stop ACH withdrawals and then went ahead and did. It is my understanding that once a request is made to end ACH withdrawals, a lender must comply with that request.
Consumer complaint received 2016-02-09
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: U.S. BANCORP (SC)

We are serious company who makes {$700000.00} gross revenue with a constant positive business account of {$20000.00} to {$30000.00}. We have since XXXX XX/XX/XXXX a business account with the XXXX XXXX former XXXX XXXX XXXX. In XXXX XXXX we received a credit card with a {$5000.00} credit line. 
On the XX/XX/XXXX statement XX/XX/XXXX appears a Balance due of XXXX. 
An automatic payment was previously installed. 
In XXXX XXXX the Credit department of the XXXX XXXX failed to consider our first automatic set up payment and registered an incident. Thus they decreased our limit to XXXX dollars. 
In XXXX XXXX. That was the first damage. 
We called and asked them to solve this issue and come back to the initial XXXX dollars approved limit. 
In fact this call was assimilated as a request for a credit line increase. 
We were surprised to be informed on XXXX/XXXX/XXXX that our request was denied and registered as well in the credit score history. 
A second call produced exactly the same effects and on XXXX/XXXX/XXXX we received a second letter with the same denial of approval on a credit line increase. As a result our Credit score went from XXXX to XXXX. 
On XXXX/XXXX/XXXX we made a payment of {$2800.00} for a due date of XXXX/XXXX/XXXX. When we looked up on XXXX/XXXX/XXXX if the payment which was withdrawn of our account on XXXX/XXXX/XXXX was registered in the payment history it did not show up. Again we paid {$2800.00} on XXXX/XXXX/XXXX as it did n't show registered. The same day we paid {$2900.00}. So for we had a credit on our account but the XXXX XXXX refused payments to our suppliers. 
As we tried to explain for a third time to a supervisor the recurrent problems and can not find a positive solution to our matter, we would like you to intervene.
Consumer complaint received 2016-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (MO)

XXXX made fraudulent charges on my account, I received settlement check for inaccuracies. I should not be liable for any past due accounts/ balances due to fraudulent charges.
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I called the XXXX XXXX Bank and I told them someone open fraud account under my name. I also told them that I have fraud alert on my name company called me. The presonnal that I was speaking to told me that they do n't call. I think that was their fault and i think should be deleted completed. ( that is not me ) Also i have others inquiries under my nameXXXX XXXX XXXX
Consumer complaint received 2015-05-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I keep getting numerous calls for a debt I do n't owe, I verify social secutity number and date of birth with the XXXX on their files and it 's does not match, yet they continue to call me. I have asked them to correct their records but they have failed to do so. I have received more that XXXX calls in a month.
Consumer complaint received 2015-07-14
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (VA)

I received a letter from debt collection agency that I owe Macy 's $ XXXXI contacted Macy 's and found out that they did not have my address and phone number. 
When I created the Macy 's credit card, I provided all the information. 
Yet the information is never entered. They encourage customers to open a credit card account to receive discounts. 
They told me to wait for the bill since the balance will be different because of the discount. 
I never received and soon forgot the bill. 
Initially the balance was {$99.00} and now it is ballooned to $ XXXXIf I had been notified, I would have done something. 
What is interesting is the debt collection agency knows my address. 
I wonder why Macy 's did not send anything.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Back in XXXX of this year, I was able to get my free credit report from XXXX and XXXX, but not Transunion. I am able to log in to their website, but I can not do anything else like dispute, freeze, or see credit history. Their representatives are useless. Requested my report multiple times, but they said can only send it in mail and I should get it in XXXX days, but never did. There are thousands of complaints about this and nothing is being done for a company that holds all our records
Consumer complaint received 2016-01-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Mitchell Rubenstein & Associates, P.C. (VA)

Mitchell Rubenstein and Associates has only XXXX person answering phone calls and returning messages. It took more than a week for me to finally get to speak to a human being and I had to call 6 times in a row in order to finally get a human. I received notice on Thursday XX/XX/XXXX that they had placed a garnishment freezing all of my accounts and my family 's accounts at my employer and financial institution. I began calling immediately and could not get a human - just an answering machine. I left several messages and received XXXX message back on Weds XX/XX/XXXX at XXXX. Today XX/XX/XXXX I called six times in a row in effort to finally get someone to talk to. Her excuse was she was the only one answering the calls and that they were a little short staffed. Here I am trying to pay a bill and ca n't because they 've made it impossible to pay them unless I want to offer my frozen checking account information to them via internet or phone system. Being a victim of recent identity theft through the IRS I did not feel comfortable in sharing that information without speaking to a human being. They should find more people to handle their business or perhaps not handle as much business until proper service can be provided. Worse yet I could n't pay them unless I borrowed money from someone and pay them back when my funds were released at my financial institution. If I issued a ACH debit through their system it would be returned due to the freeze they put on the accounts. " A catch 22 '' as the agent at Mitchell Rubenstein stated.
Consumer complaint received 2015-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (MO)

In complaint XXXX, Green Tree responded that " As a customer courtesy, Green Tree is updating your account to report as current with the credit reporting agencies for the first 90 days of your account transferring to Green Tree from your prior servicer. '' They have not done so - XX/XX/XXXX and XX/XX/XXXX are still showing as " not reported '' at the major credit bureaus. 

As stated in that complaint, non-reporting creates a RICO-violating " racket '' by which customers are forced to patronize Green Tree Services without their consent. This is a criminal offense, and I would also like some advice from the CFPB in how to pursue pressing charges.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I recently reviewed my consumer reports and found that there are XXXX late payments listed for an account on which I was never late. Consumer reporting agencies play a critical role in ensuring that consumer information is reported with the highest level of accuracy. For the accounts mentioned in this complaint, I have attached screenshots showing that I have never missed a payment on the dates in question [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ]. I request that you investigate this matter and provide statements proving these payments were late. If such proof can not be provided, I insist that these payments be corrected to reflect that they were made on time as agreed, as I have never been late. Thank you. Please see the attached screenshots.
Consumer complaint received 2015-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (GA)

I moved out XXXX, located at XXXX on XX/XX/XXXX. I was subsequently notified of resulting move out charges in the amount of {$1000.00} via mail on or about XX/XX/XXXX at my new address in XXXX ( See annex A ). I was not notified of these charges at anytime prior to this date either orally or in writing. The notice stated I had 30 days from the move out date to remit payment which I did on XX/XX/XXXX ( see Annex B ) However, XXXX XXXX had already referred my account to a debt collection agency, Hunter Warfield prior to the XX/XX/XXXX deadline ( see Annex C ). The amount paid was in the value of {$1000.00} as a {$64.00} is currently in dispute with XXXX XXXX XXXX.
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I applied for a mortgage modification with my lenders XX/XX/XXXX, XX/XX/XXXX and was denied because they said in XX/XX/XXXX I did n't get all documents in which is incorrect then XX/XX/XXXX they said they denied me for Tier 1 and tier 2 because of my income I thought when modifying your loan it brings the interest rate down to 31 % of your income. Well now they said I was denied because my investor has decided to drop my taxes and insurance because of the value of my property and its not in their best interest to modify and they will not add escrow. Well when I purchase this home I had taxes and insurance on my mortgage is it legal for them to just take taxes and insurance off my mortgage if they want to? I am now {$28000.00} in arrearages with my mortgage my house is only appraising at {$35000.00} and I owe then {$61000.00}. What are my options to save my home.
Consumer complaint received 2016-03-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION (VA)

I have been a client of BB & T Bank for over 15 years. As of XXXX XXXX, I have noticed numerous unusual charges to my XXXX Checking Account and fraudulent activity on my account and have asked the bank to assist with no help at all and continuous bank charges are being accessed on my account and I need some help in resolve and to recoup monies owed to me by my financial institution. Also please note XXXX XXXX the issued a chip security card with my old atm debit card number XXXX cards were active until XXXX XXXX. Claim # XXXX, XXXX, XXXX ( pending )