davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Well Capitalone is doing it to me again. The card that was originally issued through them has an interest rate of 22.9 %. They increased this card limit to XXXX dollars on XX/XX/XXXX. They then increased the limit on this card to XXXX dollars on XX/XX/XXXX. That is a span in time of about a year and a half. Keep in mind I started out at a XXXX dollar limit on this card. I have never had one late payment and I pay way more then the minimum every month. Although I am sure they wish I did n't because they would make more money in interest off of me. The other card which was first issued by Orchard Bank was bought out by them and had an interest rate of 14.9 %. They bought the card and knew what the interest rate was. I am still at a limit of 2000 dollars on that card. I keep it up towards the maximum because the interest rate is cheaper saving me money. I have never been late on this card either with payments and again have paid way more then then the minimum payment each month. The limit was raised to 2000 dollars on XX/XX/XXXX only because I filed a complaint with you at that time. At the time of that complaint they had me at XXXX dollar limit. My complaint is the same again today. They hold me back on the credit limit of this card because they make more money off of me on interest on the other card. My credit is good and my payment history is good. It is now XX/XX/XXXX roughly a year and a half on this card also now. I feel they should reimburse me some interest from the other card and increase my credit limit to at least XXXX dollars. You know in this day and age there are a lot of balance transfer offers with 0 % interest, some for a year, some for more time. I am really thinking about doing that if they do n't stop doing this to me. I am giving them the benefit of the doubt like they gave me after my bankruptcy. I am not unappreciative I just feel like I 'm being ripped off again. Please help.
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (PA)

I recently discovered that I was " enrolled '' in a credit card protection insurance plan for my Macy 's credit card. I called and cancelled the plan, but discovered that I have been enrolled in the plan since the date that I applied for the credit card in XX/XX/2009, and have been paying this " insurance '' for close to 8 years and have spent a total of {$290.00}. I believe the insurance/credit protection company is called " XXXX direct, XXXX, and they are affiliated with Citi Credit Cards. I called to obtain their exact name, and even this was an issue. They informed me that their name was " XXXX '' affiliated with XXXX. They claim that you specifically enroll in this program when you apply for the credit card ; however, I would clearly never explicitly opt in to a scam such as this. I am sure that I am not the only person that is experiencing this " surprise. '' These companies should have to obtain your explicit consent to enroll you in this program, and should also e-mail/and send you monthly communications, allowing you to be aware of not only the amount of money that you have paid them, but also so you are aware that you are even enrolled in the program.
Consumer complaint received 2017-02-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MO)

On XX/XX/XXXX, I entered into a vehicle retail installment contract with Santander Consumer, the loan was for 72 months, at {$390.00} monthly. The loan was to mature XX/XX/XXXX. On XX/XX/XXXX, my account was approved for the SCRA adjustment and my interest rate was adjusted to 6.00 % and my payment was decrease to {$300.00}. This agreement stayed in effect until XXXX XXXX, XXXX in which I had to recertify the adjustment. The application was approved on XX/XX/XXXX with an interest rate of 0.00 %. During the course of the loan I was granted four extensions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). With these XXXX extension being placed at the end of the loan my maturity date should have been adjusted on or about XX/XX/XXXX instead my maturity date is XX/XX/XXXX. 
I think the company did not properly adjust my loan balance when they approved my account under the Soldier Civil Relief Act for the 6.00 % interest and instead just decreased my payment leaving my balance total figured at the 15.99 % interest rate. I also do not think they adjusted my balance when they stated my account was at a 0.00 % interest rate either.
Consumer complaint received 2016-04-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (CA)

This is a debt of more than 10 yrs old that has been passed off dozens of times as a recent debt collection!! IF XXXX was original company owed to, back in early 2000 n has not been used since about that same time!!! Debt is no longer valid!
Consumer complaint received 2016-05-26
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (CT)

I just paid a car loan settlement off in full from SANTANDER and i 'm working on repairing my credit to try and obtain a mortgage. I need a letter stating i have paid the loan off and they want me to wait at least XXXX days. Unfortunately, i cant wait that long so i need the letter faxed or emailed to me now so my mortgage lender can fix my credit. They have taken the money out of my account already and there is no reason why they cant send documentation stating that they have been paid.
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

Equifax has an account from XXXX XXXX and XXXX listed on my credit report. I have disputed this with them. I filed a complaint about the reporting company ( XXXX ) and they are not able to locate my account. How can they report this account but can not find me in their system. Sufficient information was provided. I have no knowledge of this account as I have never received any dispute letter as required by the FDCPA. How can Equifax allow a company to post something to my credit report without verification? Equifax has done this to me many times in the past and I have had to secure an attorney to help with this matter. If this is not corrected I will be forced to add this to the list for my attorney. I have attached my complaints with the CFPB where this company states that they can not find me in their system.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: WELLS FARGO & COMPANY (CA)

During the recession, I incurred personal credit card debt and in late 2014 called Wells Fargo Financial to ask for an interest rate reduction to reflect the fact that my payments were never late. A Wells Fargo representative said they could n't do that but gave me the names of XXXX credit counseling agencies, which the representative said would be able to negotiate a better interest rate. I signed up with XXXX of the XXXX agencies the rep recommended and always paid the agency on time. A year later, I checked my credit report only to find that the agency paid Wells Fargo late for the first 3 months I was enrolled in their program. I went from having no late payments to several. Wells Fargo refuses to remove the late payments off my credit report or the name of the credit counseling agency from its recommended list.
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

For a period of time, my mortgage was underwritten by Wells-Fargo ( because mortgages are allowed to be bought and sold freely with no input from the customer ). How do I know if I am one of the people who has been wronged in this fiasco? Will Wells Fargo be forced to somehow publish the names of its victims so we can look ourselves up? 

The action of Well Fargo is likely to have damaged the credit ratings of many, many people. Today credit ratings are vital to most every aspect of a person 's life, since they are used as the basis not only judge whether you can receive a particular mortgage or car loan, but they are used to approve rental applications, financial aid for education opportunities, and to determine employability by many employers. Something must be done to restore the proper credit rating standing of these people. What can I do to find out whether Wells Fargo 's action affected my credit rating and how can I fix that damage? 

I know that Wells-Fargo has been cited and fined for defrauding the public, but I am asking that you also pursue them for each and every case of *identity theft* in which their staff engaged when using the names of customers to open accounts without the customers ' knowledge. 

Thank you
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is incomplete, outdated, and incorrect information reported on accounts that are reporting on my credit report. The accounts are : XXXX. I have requested these accounts to be deleted due to the violation of FCRA. I submitted this request XXXX2016.
Consumer complaint received 2017-03-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Hello I am wanting to save my home. They have not worked with me on on foreclosure preventive options. I called to apply for a loan modification or any type of program to help me save my home to stop the foreclosure. No one has helped me, nor mailed me a letter or offered me any type of repayment plan or anything. I received a letter and text from a lady stating she bought my home then I got a reinstatement letter from Penny-Mac afterwards. I went down to the county records building and saw that they lady is attempting to change my deed to her name. I need help and the service they are giving me is not helping at all. I have XXXX and need help saving my home, stopping this foreclosure and eviction. 

History, I lost my job and contacted them after looking online for some assistance help. The lady I spoke with when I called told me that she would mail me some paperwork that I have never received. I called after some time and was told I was denied and would be mailed some more papers with options. I did not receive anything then. Then the next thing a strange lady came to my house and said that she had bought my house. No notices or anything was delivered or posted at my house. I was not aware of anything and no one is trying to help me save my home. When I call I get some one who is rude and dont want to help me. Now someone is saying I may have to move. I received a reinstatement letter after the lady came saying she is trying to buy my house. I contacted the records building and they told me that same lady was trying to change my deed to her name. Can someone please help me. My loan is currently with Penny Mac it was with XXXX XXXX XXXX so I dont even know what or who half the time. My loan number is XXXX. 

I need someone to help me to have the foreclosure process stopped and help saving my home. For myself to be reviewed for the programs that are out there to help me save my home.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have inquires on my credit report that do not belong to me. I have not applied for loans or cards from these companies but I still have hard inquired on my credit report Here are a list of inquires that are NOT mine see below. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have Disputed this balance owed in the amount of {$6000.00} with XXXX XXXX and Trans Union and have not received a successful response from either that this is a valid debt of mine. They are reporting incorrect information on my credit report. I have disputed this dept in XXXX and again in XXXX. All I receive back is information that it is manually processing without any validation of the debt. i would like this information removed from my Credit report because it has not been validated and is false information.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Trans-union had a glitch during XX/XX/2017-XX/XX/2017, in where all my XXXX inquires were removed, and re added, of which my score took a dump, trans-union will not admit the glitch, but I have screen shots from the glitch, they did not notify me of the glitch of which by law they had 5 days to notify me. So for failure to notify me by law I want all inquires removed from my credit report. I am un-able to upload have no scanner but can fax if you answer me with a fax #, and a name to send it to.
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE (NJ)

I recently received a notification from the law firm XXXX XXXX XXXX XXXX XXXX ( NJ Attorney : XXXX XXXX id # XXXX ). In regards to a debt that is over 10 years old ( over the collection statute for the state of NJ ). ( Copy of documents enclosed. ) I was never sued by this company ( to my knowledge ) however, I received a letter stating that they are going to contact my employer and garnish my wages. The letter does not mention the supposed total amount due, The title is listed as Notice of Application for wage Execution. 

Previously, I worked with a company to repair my credit ( 3years ago ) and had all the old / outdated information removed. Barclays ( the original company ) was removed because it was well over the 7 year reporting mark. 

Ive never received any correspondence in regards to being sued or any judgment being issued to this collection agency on behalf of Barclays Bank. 

Please help I am a XXXX XXXX XXXX veteran and this is really troubling me. Im not sure why this company/attorney is harassing me for a debt that is no longer valid.
Consumer complaint received 2016-05-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MA)

Update : Case No. XXXX A letter I overlooked. On XXXX XXXX, XXXX, I received a letter from Senior Vice President XXXX XXXX XXXX of America 's Servicing Company. Enclosed was a XXXX page document at the very end of about XXXX pages. It is called Net Present Value ( NPV ) input Data Values. When you look at lines XXXX to line XXXX, XXXX XXXX does not even acknowledge that I had a HAMP Modification. Of course we all know that 's not true. In a communication from XXXX XXXX dated XXXX XXXX, XXXX, she and Attorney XXXX XXXX, plotted a scam to relieve me of my incentives. I was accused of missing three ( 3 ) payments. And sick and medicated as I was, I believed it. And of course the attorney watching my back would never lie and/ or cut my throat. XXXX XXXX did the closing on my house. The Deed to my house is missing. On line XXXX, Capitalized UPB Amount. That is the exact Principal Balance around XXXX XXXX. It is the exact time that my XXXX XXXX Mortgage payment was mysteriously cancelled from my personal checking account at XXXX XXXX. On my XXXX XXXX, XXXX ASC Mortgage it was the exact time that a negative $ XXXX disappeared, never to be seen again. On my ASC Mortgage Statements from XX/XX/XXXX-XX/XX/XXXX npayments reversal and unapplied mortgage payments are the norm. I have never missed payments on my mortgage until now, and that 's because I do n't even know where I stand as far as this house is concerned. America 's Servicing destroyed my credit. Took the laughter out of my life. Forced me to isolate myself from shame. I was bullied and harassed by the entire ASC Mortgage Preservation team for over 3 years. Maybe it can stop now. I have more to tell. I need sleep right now.
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Transunion online dispute system NEVER works. I have had occasion to dispute items twice in the last 3 or 4 years, or correct erroneous information. Transunion is always the most difficult to deal with since they do not apparently automate the process.
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (IN)

Discover closed my credit card account for inactivity. I had used it in XXXX XXXX for a cash advance. They closed my acct. in XXXX XXXX. Previously the card was inactive from XXXX XXXX until XXXX XXXX and it did n't get closed during all that time!! Makes no sense. It 's embarrassing, affects my credit score and is inconvenient for me. Can you help?
Consumer complaint received 2017-02-16
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Platinum Holdings Group, LLC (CA)

I keep getting calls from there collection agency threatening to sue me and take me to jail and harassing my family with threats I 'm afraid to go to work and school because they said they will find me there and they have threaten to get me fired the agency Director is rude and threaten to come after my wages and family 's
Consumer complaint received 2017-02-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (DC)

In XXXX of XXXX an account was opened at Wells Fargo in my name using my address. A check for {$12000.00} from the District of Columbia for a tax return for XXXX was depositied and then withdrawn via the ATM in a span of five days. There are only three people in the country with my name. I had a mortgage account with Wells Fargo but no bank accounts. Wells Fargo did not adequately take measures to prevent this identity theft and my total loss of this tax refund.
Consumer complaint received 2017-02-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Our office represented XXXX and XXXX in the short sale of their home located at XXXX, XXXX, NJ XXXX. An approval for a short sale was received from Rushmore accepting a certain amount to payoff the mortgage granted by Mr. and Mrs. XXXX against the premises. The closing of the short sale took place on XX/XX/XXXX and a wire for the agreed amount was sent to Rushmore the next day as the closing took longer than expected and buyer was not able to send out the wire on the XX/XX/XXXX ( with the approval of Rushmore 's negotiator ). Rushmore accepted the wire the next day and their file was closed. Although our office and the title company has requested a copy of the Satisfaction of Mortgage/Release of Mortgage, Rushmore has not submitted one for recording in the County Clerk 's office and have refused to provide information on the release claiming that it needs to be requested in writing signed by the homeowner as our office is no longer authorized to speak on behalf of the homeowner. Rushmore has had 8 months to file a satisfaction/release and Mr. and Mrs. XXXX have not been the owners of the property since then therefore they do not feel comfortable authorizing anyone to obtain information on a mortgage that has been paid off as they were forced to give up their residence as they did not qualify for a modification.
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Fairway Independent Mortgage Corporation (ID)

The original loan was approved for an exit out of a construction loan in XX/XX/XXXX. Going into the final re-finance of the loan, 5 months later, the appraisal based on plans was reduced by nearly {$80000.00} in a market that is increasing in value or at worst holding stable, but far from devaluing. The mortgage lender approved the loan using stated incomes and the associated documentation, as of closing 5 months later, the mortgage lender disallowed substantial portions of the income that were original approved without rational other than blaming the unseen/unknown " underwriter ''. Subsequently, the mortgage broker has been demanding that massive amounts of additional documentation be provided to get the loan closed, including financial statements from third parties to the loan as they were compelled to participate due to the ongoing changes perpetuated by the mortgage broker. The third party justifiably refuses to release personal financial information beyond certify they did gift the money and producing a receipt for the transaction of the gift funds. Further, this loan should have closed 45 days ago, but has been drug onward at some expense to continue to hold rate locks while the market is falling on rates ... effectively paying to hold a a more expensive rate versus current market rates. This loan has yet to close and near as I can tell will not close due to the delay and hassle of the mortgage broker and his representatives. 

This loan was approved in XX/XX/XXXX pending completion of construction based on the same documents provided 60 days ago and provided today. That information has not changed even if the ability to read XXXX and retirement statements compared with straight XXXX has miraculous been reinterpreted. Near as I can tell this out right fraud or bait and switch tactics that the law attempted to avoid with changes back in XX/XX/XXXX because its put me in the position of taking out a construction loan based on a guarantee/promise of a documented re-finance out, a promise now being broken. 

Agent : XXXX XXXX ManagerNMLS # XXXX : XXXX XXXX XXXX XXXX, XXXX, ID XXXX
Consumer complaint received 2017-02-15
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2016 I transferred payment to XXXX XXXX XXXX for payment to our vendor XXXX. I was not aware our vendor had closed the account with XXXX. XXXX has not returned the {$4100.00}.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

I make a lot of money but depend on XXXX to pay me if and when they choose to. Therefore I have a cash flow problem but still try to pay my bills on time. I never gave Wells Fargo permission to pay the bills on bill pay when there is insufficiant money in my acount and I have gone in to talk to bankers often to help with this issue, but it continues. I get charged the maximum of XXXX bounced check fees every day that they pay my bills, so all the money I deposit gets eaten up in bank fees and I never get caught up. In addition, they withhold the checks I deposit as punishment for having bounced checks, and then they pay more bills and bounce more checks because they did n't allow the deposits I made to cover my checks!!!! I feel this is vindictive and purposeful abuse. I am also a senior citizen and can not retire when I ca n't save up money because Wells Fargo takes it all.