davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX  is reporting inaccurate information to the credit reporting agencies. They are reporting inaccurate payment history and amounts. They are reporting that the account is closed and charged off at the same time. The account can be one or the other. If the account is closed/written off I never received the 1099C form from them this has to be reported on the company end as a loss of income and gain on mine. Also if the account was charged off I was never told what company the debt was sold to. If the account was written off this has to be reported to the irs. I do not believe you can write a debt off and still sell it and try to collect on it that seems to be fraud. I believe this is also numerous violation of the FCRA and an IRS code violation. They have also defamed my character and caused me harm.
Consumer complaint received 2017-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

On  XXXX   XXXX ,  2017, CITI Bank passed a check through our account that had had the recipient name and policy id number on the check altered. It had been made out to our home owners insurance company and had been " fished '' out of a postal box on the street. A person  's name was put in place of the insurance company and the policy number altered to a credit card number. The check was then cashed at another bank. This we discovered, when we were notified on  XXXX   XXXX ,    2017  that the insurance company had not recieved payment. Going to the bank and working with the then ban k manager, the alteration was discovered, and we were given a copy of the altered check. We submitted a form with the manager that was to go to the fraud division to be looked into. We were told that the money would be put back into the account within a 30 day period, but that the fraud division had up to 90 days to complete their work. As of today there has been no effort by CITI to advise us as to whether they have completed their case work, even though we have gone into the local branch often to discuss the matter. There was, about two weeks ago, an offer to give us the money back provisionally. This means that if the fraud division does not agree that it was fraud, we would have to return the money. We refused that because the check clearly shows two disti nct handwritings, and when asking questions of the Postal Service, they acknowledged that " fishing '' is an ongoing problem a nd that street postal deposit boxes were being removed and were to be replaced. The box that the check was removed from was one of the boxed that was removed from the street. We have spoken to a CITI regional bank manager who was to have straightened the matter out, and then silence. We have written to the CEO of CITI and again silence! We feel like they would like to wait us out and hope that we will go away. That ain '' t happening! D ealing for years with a local bank in New Jersey there were problems which arose, but when they did occur, were handled promptly and properly. Today, because the banks are so big, and we little fish in their ponds, we are, whenever there is a problem, generally ignored!
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IL)

Dear Sir or Madam, My name is  XXXX   XXXX . My hardship began when my children 's father walked out on me.I was unemployed and my left with all the bills and with the sole provision of my  XXXX  children. I worked part time meanwhile I searched for a full time job with flexible hours. I did not waste any time with my mortgage company, I faxed over a home affordable packet to be reviewed for a modification. Long story short I was denied various times due to not enough income to the point where I rented out a room for extra income and still it was not enough for them.  XXXX  of  2017  I finally landed a full time, well paid job with flexible hours.I make {$2600.00} monthly now and I was confident I would qualify for a modification but yet again I was denied because my loan was sold to a new investor and I was mailed out a letter informing me of this. Attached is the letter. I was notified yesterday  XXXX / XXXX / 17 , by  XXXX   XXXX , accou nt manager from Fay Servicing, that I was  approved for a short sale and he said I had until  XXXX / XXXX /   17  to decide if I want to go through with a short sale or else I would be foreclosed on with a sale date within 30 days. I did not apply for a short sale, I want a loan modification. I asked about the new investor on my loan and he said t hat Fay Servicing bought my   loan back. If they bought my loan back, then why are they not reviewing me for a loan modification? My home is severely under water!   Attached is the letter  XXXX  sent about the short sale. All of this is very confusing and all they have said to me is very contradicting! I do not want to lose my home, it is all my children and I have. I struggled so much to keep my home and now that I am financially s table, Fay Servicing will not work with me. Please Help!
Consumer complaint received 2017-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (MI)

TCF continues to re-order my transactions to charge me EXTREMELY high over draft fees, in the last 30 days TCF has charged me over XXXX in OD fees!! I would like a full accounting of the amount of fee 's since XX/XX/XXXX on my account! They continue to re-order pending transactions that have already cleared. Just a couple months ago my account was OD by around 8 dollars.. they re-ordered already pending ATM transactions to charge me over {$150.00} in OD fees! When I called to discuss I was told TCF does not do any OD refunds at all but they would waive half! This abusive practice is ridiculous and is NOT practiced by other banks. I am fully prepared to retain a consumer protection attorney if needed. Please send me a full accounting of the money I have been charged for erroneous OD fee 's for the full year. I would like my money back this is going to make me bankrupt!
Consumer complaint received 2017-06-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I took out a loan with XXXX XXXX in 2004 for {$310000.00}. I have made all my payments on time until they agreed to do a no cost HAMP loan modification. The Servicers have failed to give me a signed copy by them of my loan modification agreement. This is the fourth time I have requested it. Also they have mis-applied or not applied my payments to Principal as agreed. They continue to not apply my payments to Principal as agreed nor to give me a correct updated loan payment history. Please look over the documents that they have sent me which do not reflect the correct current running total. I have requested an independent audit of my account but they refuse. Please investigate this matter as soon as possible since I suspect fraud has been committed with this loan. Thank you.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I keep receiving credit card offers from  Capital One,  with outrageous interest rates, and terms. On no less than  3 ( three )  occasions I have requested that Capital  One  remove me from their marketing list because I did not want anything to do with such a despicable firm that chooses to engage in what I would describe as predatory lending tactics. The offers are  INSULTING a nd are obvious attempts to entice their targets into indentured servitude, unending. More than  3 ( three ) times  I have requested that I be removed from their solicitation program, with CAPITAL  ONE 's  personnel, at each and every encounter promising to do such, and yet, I am still to this date,  one arri ved today, getting CAPITAL ONE 's mailings. This has to stop. The " teasers '' are just that, with the rates being " beyond '' reason and justification.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I have contacted the the card companies as well as the credit agencies. Ive been dealing with Identity theft for over t he last two y ears. There are  XXXX  credit cards that were opened that I did not authorize and they are using my correct social security number but incorrect date of birth. I would like for these credit cards to be removed from credit report.       1.  XXXX     XXXX   XXXX   ( OPENED DATE  XXXX / XXXX /   2016  )  2  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ) (  OPENED DATE  XXXX / XXXX /   2016  )
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On  XXXX   XXXX   XXXX , I contacted  XXXX   XXXX  Services regarding an open account showing on my credit report from  XXXX . A very rude female spoke to me and said this account had been paid in a judgment against me in  XXXX . I request for her to update my credit report to show this matter had been handled and to please remove from my credit report. She told me to contact the credit bureau to dispute as they would not remove otherwise or provide additional information for that I needed to contact the court who handled the matter.   -That same day  I f iled a dispute with Equifax who submitted a dispute on my behalf with the company only to conclude on the  XXXX  of  XXXX  as a valid account, response I am assuming was from the original collection agency I contacted before. The account still shows open and a debt due to them.   - The judgment itself at the time had been done in an illegal manner, as I was never contacted to make payments on the account or told there would be a hearing on the matter. The court ruled to take 25 % of my paycheck not acknowledging that I was unable to pay at the time being a single mother with bills to pay.
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (LA)

Subject : Request for Purchase Agreement of Sold Debt Account Number : XXXX Dear Midland Credit Management I am writing to formally request documentation related to the sale of the debt associated with the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I have the right to request validation and verification of the debt, which includes documentation establishing the chain of ownership. 

As such, I am requesting the following : 1. A copy of the purchase agreement that shows the sale or transfer of this debt from the original creditor to your organization or any subsequent purchaser. 

2. A complete breakdown of the debt, including the original amount owed, any interest or fees that have been added, and the current balance.

3. A breakdown of how your company verified that I owed the debt including signatures, identification, Social Security card, or the original contact. 

According to 15 U.S.C. 1692g ( b ), if you can not provide this information, you are required to cease collection activities until such documentation is provided. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any inaccurate information being reported to the credit bureaus. If this debt has been sold or transferred improperly, or if it can not be validated, any negative entries on my credit report must be corrected or removed. 

If you are unable to provide the requested documents within 30 days, I expect that all collection activities related to this debt will cease, and that any negative reporting to credit bureaus regarding this debt will be updated to reflect the error, or the account will be removed. 

Thank you for your attention to this request. I look forward to receiving the necessary documentation. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (AL)

Afte r Wells Fargo den ied my loan, I sent the company the below letter and received no response I am responding to your  XXXX   XXXX , and  XXXX ,   XXXX  , letter informing   me my co-signer load was denied. Please provide answers to the below questions : 1. How Wells determine whose loan will be approved 2. Specifics, why my load was denied. Please do not indicate generalities.
3. Minimum credit score required to receive a loan 4. My point score 5. Ple  ase provide evidence which states specific creditors reported I had pass and current delinquencies.     I am requesting that you email me specific, detail reasons, why my co-signer loan was denied. According to pass phone conversations wit  h Wells load specialist, I had pass and current delinquencies.
If you are unable to provide specifics, one can conclude Wells makes subjective, arbitrary, and capricious loan decisions. Your letter states that my credit report indicated I had delinquencies.
I will litigate this matter and file a formal complaint based upon racial di  scrimination, and will argue that  XXXX  who have lower credit scores than  XXXX  and no relationship wit  h Well Fargo are afforded student loans.
Taking into consideration my current banking relationship with Wells, I am extremely disappointed Wells denied my loan. I have my IRA account with Wells, along with  XXXX  other savings and checking accounts.
Finally, according to my credit report that Wells Fargo provided, my credit score is    XXXX . My credit report indicated that I have no credit card debt, I had  XXXX  delinquencies, which were paid in full. I look forward to expeditiously hearing from you.   Sincerely,  XXXX   XXXX   XXXX
Consumer complaint received 2017-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NH)

On or about XXXX XXXX 2017 I initiated an ACH transfer into the account of Coinbase, Inc. located at the XXXX  XXXX XXXX of NY, and I did so on the accord of  their site : " Bank Account deposits made to XXXX are sent via the ACH bank transfer system, which typically takes 3-5 business days* to complete after initiating a purchase. You may see the funds immediately debited from your bank account when you initiate the transfer, but they will not appear in your XXXX account until the transfer has moved between the banks and cleared in our bank account. '' The amount is negligible to some, {$300.00}, however, it 's still {$300.00} that I transferred from my credit union which provided me with a credit trace number showing Coinbase received the funds. I 've attempted on numerous occasions to reach Coinbase support, both through email and through their XXXX handle as recommended through their own website. I have not been able to reach their support staff in over 3 weeks. At this point I just want my funds returned. Their community site is littered with many posts similar to my own and my trust in this company ... well, I have none. They are robbing people with no explanation.
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MD)

On the XX/XX/2018, Someone used my card information and make a fake credit card. I recevied a text message on my phone that someone had been used my credit card to purchase something at XXXX XXXX with amount of {$3900.00}. I declined already but XXXX XXXX  still took my money out. I reported to the XXXX XXXX to do the investigate but they won't give back my money.

XXXX XXXX XXXX   Account number : XXXX XXXX XXXX XXXX Amount charges : {$3900.00} Last 4 digit SSN : XXXX
Consumer complaint received 2016-08-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This is related to XXXX. My original mortgage servicer Bank of America ( BOA ) responded to my demand letter to my current servicer XXXX. 
The XXXX XXXX foreclosure sale was changed to XXXX XXXX. Both XXXX and BOA received my dispute by XXXX XXXX. The property was not sold, but ownership was transferred to BOA. 
BOA is now trying to sell the property at a profit, more than my original loan. 
I am sending a letter demanding they either 1 ) return the property to me, free and clear of the debt and any liens, or 2 ) reach an equitable settlement with me. 
BOA refused to work my HUD counselor and I to resolve this. 
BOA sold the loan to XXXX, and XXXX refused a sale that would have paid off the loan, so UCC rules were invoked. 
I gave XXXX, XXXX, and BOA 30 days to respond, they have done nothing but delay. 
Now BOA is claiming ownership and seeking outside counsel? 
How much time and money are they willing to put into this when they are clearly fraudulent?
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliance One, Inc. (OH)

I have requested debt validation 2 times in the last 6 months by mail to : Alliance One Recivables XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have not received and notices or updates
Consumer complaint received 2016-08-23
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (GA)

My husband and I had a mortgage with Wells Fargo Home Mortgage beginning XX/XX/XXXX the property was completely destroyed in Hurricane XXXX XX/XX/XXXX. Wells Fargo also received the proceeds from my insurance policy to repair the house. The home was foreclosed on XX/XX/XXXX or XX/XX/XXXX. My husband and I received a citation from The City of XXXX XXXX because the house is a blighted property so when I contacted The City of XXXX XXXX regarding the citation I was informed by The City XXXX XXXX XXXX that Wells Fargo never record the house as being foreclosed on and that my husband and I are still the legal owners of the house. I then contacted Wells Fargo Bank in regards to the mortgage Wells Fargo is stating that they have no record of the mortgage. I then hired a title company to sell the property. The title company then completed a title search on the mortgage it was found to have an open mortgage with Wells Fargo. I then reached out to Wells Fargo again asking for the pay off quote or the release of the lien and Wells Fargo still insist that there is no documentation for the mortgage. My husband and I have been going through this for the past 10 yrs with Wells Fargo concerning this mortgage. We have been fined by the City of XXXX XXXX because of the condition of the property, XXXX, and Werlls Fargo is still refusing to assist us stating that they have no documentation for the mortgage.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pinnacle Credit Services, LLC (AZ)

Pinnacle Credit Services/XXXX ( Collector ) did not sent notice of right to disclose. 
Collector continues to report false information related to this account to Credit Bureau Agencies ( CAs ). 
Collector claims account opened date opened XXXX/XXXX/XXXX. 
Collector claims a debt of {$1200.00} on behalf of XXXX XXXX. 

Alleged debt has been disputed several times through FTC on XXXX/XXXX/XXXX. Case # XXXX filed reporting XXXX XXXX. 
Also with the Arizona XXXX, the XXXX CBAs, and directly with Pinnacle Credit ServicesXXXX. 

Collector 's response to all claims is that the debt is owed in a single statement, without providing any supporting documentation ( because none exists that will help their case ) on this alledged debt. 

I had an over a decade healthy relationship with XXXX XXXX since XXXX 's. On or about XXXX XXXX I had made contact with XXXX to cancel service at the end of the contract period, which I was told ok. Late XXXX disputed that cancelation was not made timely, when I asked for proof of the contract with signature nothing was provided and was automatically billed {$1200.00} for the untimely cancellation fee of XXXX Blackberries. It was all based on their own assumption. 

XXXX has sold this account to numerous collectors, which I have immediately disputed the validity of the debt. However, Pinnacle/XXXX has been a different story. They purposely did not send the Notice of Right to Dispute knowing my history and they immeidatly reported to the CBAs. Since then it has been nothing but a struggle to have an enforcement agency request this " Collector '' for proof of the information that they are claiming on my credit files. 

Reaging an account is NOT legal. I have also made several attempts in trying to discuss matter with a representative of PinnacleXXXX, but I you get is their representative asking you to verify your current address, phone number, etc, and then you get transfer to a voicemail and never get a call back. A tactic for them to just record that you had been notified ( over the phone ) from their recorded message that it is an attempt to collect. This is a criminal way of doing business - but as a collector, they just want to at least assure they hurt the consumer knowing that their claim has no merit.