davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-29
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Western Portfolio Assets (PA)

I was contacted on XXXX/XXXX/XXXX by a woman who identified herself in a voicemail, stating I would be served papers on XXXX/XXXX/XXXX at my home address, between the hours of XXXX-XXXX. On XXXX/XXXX/XXXX, I received a phone call at work, at approximately XXXX, from someone who identified themself as someone from the local county office of where I live. I was told that I failed to receive my papers for a lawsuit, and to arrange being served, she transferred me to a gentleman named XXXX XXXX with XXXX XXXX XXXX. XXXX XXXX stated he worked for the Litigation office, and that he would help me with having the process server rerouted and not to appear at my place of work. 

I inquired on the matter of what I was being " served '' for, and XXXX XXXX explained that it was and old Debt, from XXXX XXXX XXXX, which was defaulted in XX/XX/XXXX. By law, XXXX XXXX has 4 years to pursue a lawsuit against me to recoup their debt. I was instructed to make arrangements for the settlement outside of court, or I would be served papers for the lawsuit at work. Also, XXXX XXXX tole me that failing to be served is the same as failing to appear at court and my wages would be garnished, as well as a lean would be put on my house. 

Being suspicious, I called and explained the situation to the Attorney Generals Office. The person who I spoke with in the Consumer Protection Division, agreed that she thought this sounded like a scam. 

I called XXXX XXXX back, at XXXX XXXX XXXX ( XXXX ) and stated I thought this was a scam. He became very upset and, among other things, proceeded to tell me that he would contact my employer and garnish my wages. I instructed him to not contact me at my place of employment, and requested that I be notified in writing of the debt to be validated. I also asked for the address and number of his company, but he told me that I did not need that information and that it had nothing to do with my lawsuit. 

After XXXX XXXX hung up on me, he contacted my company 's accounting department and stated that my wages were to be garnished and he would fax over the paperwork. As of yet, we have not received the paperwork.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In Accordance with the Fair credit Reporting act, my rights have been violated. 

XXXXXXXX XXXX XXXX XXXX  XXXXDept of Education XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have right to Privacy 15.U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

15.U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2015-12-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc. (NH)

The eversource company has continued to try and collect a debt from me from an account that was opened in a nearby town in 2014. They sold the collection to collection services, knowing that I believed the account was fraudulent! In 2014, I still lived at home and I was still a minor under the age of XXXX. I have called them numerous times, and they have said time and time again that they would not try and collect the debt anymore. Now it keeps showing up on my credit report, even though I never opened the account to begin with! My ID and plenty of paperwork proved that I did not live in the billed city and I was not of legal age to even open an account. I do not know who stole my identity but I want the debt cleared.
Consumer complaint received 2017-01-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo was supposed to review our complaint on case # XXXX by XX/XX/XXXX. This was n't long enough to decide what our escrow shortage was, so they extended the review to XX/XX/XXXX. This date has now expired and Wells Fargo still can not determine the actual shortage of our escrow. We had a shortage of {$6.00} in XX/XX/XXXX when our property/school tax was paid. For XXXX, we have a projected shortage of {$41.00} due to a slight increase in our homeowners insurance. We are willing to pay the XXXX shortage of XXXX, and the projected shortage of {$41.00} for XXXX as two separate checks. Wells Fargo has calculated a projected shortage of {$62.00}, but then increased our mortgage payments to indicate an increase of {$100.00} for XXXX. When I was finally able to get XXXX on the phone on XX/XX/XXXX, he asked me how I calculated the amount of {$41.00}. I explained it was simple math. I added our current escrow of {$390.00} for 12 months, which equaled {$4700.00} and subtracted that number from our total taxes for XXXX which equaled {$4800.00}. The difference was {$41.00}, not {$62.00} or {$100.00}. I 'm not sure why it is taking XXXX so long to calculate, but our mortgage was due XX/XX/XXXX so we would like resolution on our escrow.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX Equifax ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I went bankrupt XXXX years ago. mostly credit cards debt one of which was Capitol One. after a year, I was getting offers from other credit some for {$300.00}, others were for {$1000.00} and one was {$2000.00}. what surprise me was an offer for {$10000.00} from Capitol One. I was going to sell my home but the deal fell through. My home is now in foreclosure. I foolishly borrowed {$8000.00} from Capitol One before forclosure. WHY DID THEY OFFER ME {$10000.00} CREDIT IN THE FIRST. DO I HAVE ANY RECOURSE???? THANKS FOR READING THIS
Consumer complaint received 2022-08-15
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (MN)

On XX/XX/XXXX I signed a contract with Credit Acceptance to buy a XXXX XXXX XXXX from XXXXXXXX XXXX XXXX XXXX found at XXXX XXXX XXXX XXXX XXXX, MN XXXX. It was a very high-pressure sale and i had no real knowledge of buying cars with liens attached. I was easily misled and rushed into signing a contract that i expressed repeated dissatisfaction with. i was clear about my goals and intentions entering into a contract and i even tried to return the car the very next day after purchase. I eventually accepted my situation and continued to make my payments on time every month. I have been looking through my contract and found a couple of issues. in light of section XXXX MN statues XXXX XXXX the APR cap for MN would be 21.75 % and I currently have a 22.99 % APR on my auto installment agreement which is also above the XXXX of XXXX percent tolerance for accuracy pursuant to 12 CFR 226.13 ( G ). In addition to this Billing Error, I was never given the opportunity to purchase Bodily Injury and Property Damage insurance though Credit Acceptance. in accordance with 15 USC 1605 ( a ) and ( c ) this would be inaccurate as well.
Consumer complaint received 2015-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo received a verbal appeal on XXXX XXXX, 2015. This was the only time we were given to verbally discuss XXXX mortgages with Wells Fargo underwriter at a meeting set up by XXXX XXXX. On this date Wells Fargo underwriter, XXXX XXXX, requested our appeal to be written. This written document was never reviewed. 
Instead of a response to our appeal, our modification that we had just finished all the trial payments on, was being withdrawn because we had appeal request. This is the second time Wells Fargo has withdraw our modification when we asked for a review of the information they are using. Our trial payments have been made on XXXX different modifications. They have been completed twice.
Consumer complaint received 2016-01-20
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, received yet another notice as well as many telephone calls over the past months, XXXX continues to harass me via phone and mail and refuse to cease and desist. I am now going to file legal action against them as well as join a Class Action suit against them. 

Since XX/XX/XXXX to present, I have asked them when they call to stop calling and also returning their notices to them demanding they cease and desist. 

XX/XX/XXXX.XXXX -Called the XXXX number and spoke with XXXX at XXXX stating that I am receiving notices and harassing phone calls from them and I want it to stop. XXXX stated it would stop.
Consumer complaint received 2015-05-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/XXXX, I was disputing late fees on my XXXX limit capital one account and was having a very difficult time. This went on for three months until the account was late 90 days XX/XX/XXXX. At this time Capital One added XXXX in fees as late fees/collection fees/attorney fees, and refused to work with me. XX/XX/XXXX, they charged off XXXX, so the account was at a XXXX balance. They can not charge off an account, take credit for this on their taxes and still show this balance that I owe. This would be fraud. The XXXX has continued to grow until today it is at XXXX. 
They do this to show my credit use at XXXX % of limit which destroys my credit score, so I will pay the XXXX. Again if I do pay this and they charged it off, that would be fraud on their part.
Consumer complaint received 2015-11-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I filed for bankruptcy XX/XX/XXXX, which my home was in foreclosure from XX/XX/XXXX to SeptXX/XX/XXXX. From the time that I filed bankruptcy until it was discharged the XXXX for the home continued to try and collect funds from me. Bank of America refused to provide documentations showing that they submitted a claim through their FHL process to recover and pay all XXXX fees from the time that the home entered into foreclosure until it sold. It miraculously sold right after I sent them a 2nd notice that my bankruptcy was finalized. They continued to keep the home in my name through the bankruptcy process and after. Instead of selling it at auction.
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MO)

Had mortgage with XXXX had the loan modify the loan it was raise and extended to ten year the payment was set at {$720.00} a month made payment on time the contract was turn over to XXXX XXXX XXXX this is where everything change. I complaint my payment went up as much as {$890.00} for three month drop down to {$850.00} inquire about dropping the PMI receive paper on escrow nothing concerning PMI next letter the payment was turn over to Nationstar which sent a notice for my XXXX payment that for {$3000.00} I ca n't pay that sent my regular payment but my next notice was for {$1.00}. Do n't understand XXXX mortgage within eight years When I purchase this house it was with a contact the have change everything concerning my contact.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I received a detailed credit report with inaccurate information reported on my consumer credit report address XXXX XXXX XXXX Tx XXXX XX/XX/2021 on Experian. XXXX XXXX XXXX Tx XXXX on XXXX and XXXX inaccurate. Date of Birth on Experian is inaccurate. My previous addresses ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 ) ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) are inaccurate. Employer/Current employer XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX inaccurate. Also Known As reported as XXXX XXXX Inaccurate on XXXX. 
The companies XXXX XXXX and Experian have violated my rights in accordance with FCRA U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account or my personal information without my written or verbal instruction. As well as under, 15 USC 1681 SEC ( 623 ), 15 USC 1681 SEC 611 ( a ) my rights have been violated as such under 15 USC 1681n ( a ) ( 1 ).
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Received a letter from CAPITAL ONE XXXX XXXX. XXXX XXXX VA XXXX ). 
With letter saying PRE APPROVED offer for credit card. 
This is printed on the envelop and the letter. 
Upon applying online and completing the questionnaire, immediately I get an alert by XXXX that my credit report dropped XXXX points, because of a hard credit check by CAPITAL ONE.There was no clear indication they were going to do a hard check on my credit which significantly has affected negatively my credit .This is a very deceptive practice scheme by this company.It is very unfair to consummers and really hurts ones life.I can bet I am not the only XXXX affected by this unethical practice and most people do not know since likely they do not have a credit monitoring service ( like XXXX ) .Can you please investigate this deceptive and hurtful practice by Capital One.In my opinion this deception should be stopped immediately and CAPITAL ONE should be fined by the U S Government for consumer abuse.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (CT)

I bought XXXX TVs from XXXX. One was fine, the other arrived damaged ; I requested a replacement which arrived damaged. I asked for another replacement ... they said they could n't. They would credit me and I can reorder. They said they would honor the discounts from the original order. I tried to reorder and they would n't honor what they said. I reordered anyway and they sent a similar, but wrong TV. After hours of emails and phone calls they refused to replace the wrong TV. At that time I disputed the charge on my Target credit card ... all to no avail. They denied it ... without understanding. I called the number and left a message with the person handling the request for the dispute, but he did not call me back. SO OK I GAVE UP. I PAID THE BALANCE DUE. All I asked was that they credit me the minor amount of interest during the dispute time. They credited some but not all. The balance is only {$19.00} ( all interest during the failed dispute period ). I closed the account and would like this credited to my account and have my credit report corrected if they reported any lates. XXXX and Target credit card is impossible to deal with. The overseas call center is terrible. I hope to put this issue behind me as soon as possible.
Consumer complaint received 2024-09-02
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: EQUIFAX, INC. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2015-05-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX and I have several loan servicing concerns about Wells Fargo Home Mortgage. Listed below are questions I have not been able to get direct answers to from Wells Fargo Home Mortgage. 

1. What year did Wells Fargo Home Mortgage take over this loan. 
2. Is Wells Fargo Home Mortgage the Trustee for this loan if not who is? 
3.Please send me a copy of your Mortgage Service Agreement. 
4. Is Wells Fargo Home Mortgage just the loan servicer only. 
5. Who holds the note to this loan. 
6. Please list all credits on this loan and fee reversals in a typed response that you stated you have given and please recalculate my account and make the corrections. I do n't see any adjustments. 


XXXX XXXX
Consumer complaint received 2016-03-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I fell at work XXXX feet and sustained XXXX. I was out of work from XX/XX/XXXX the day of the accident until XXXX/XXXX/16 when I was allowed to return to work. Capital One knew I had been hurt and was out of work, my workmans comp case was originally approved for {$970.00} per week, almost 30 days after my accident the XXXX XXXX, XXXX XXXX decided to deny the claim so I received no money for two months. I kept in contact with capital one all this time I tried to make two payments one for {$420.00} and one for {$320.00} I told them that I was applying for short term XXXX since the workmans comp was denied and that it would be some time before I had payment. They also knew that I had obtained legal counsel XXXX XXXX XXXX to sue for the back wages and medical bills. I let capital one know that when I received the law suit money I wanted to pay the loan off. approximately four weeks before my court date Capital one without letting me know by phone or by letter came and took the car it was driven to XXXX XXXX all my personal belongings were thrown in boxes I had money stolen from the car it was not in the boxes I called Capital one and they said they had no control over what the repo company did but they are the ones paying them. My employer did not pay me the proper short term XXXX payments some weeks I only received {$300.00} for two weeks time, there was no money for me to make any kind of payment. I had money in my XXXX XXXX 401 K I tried to take it out on a medical basis and they would n't accept the medical bills because there was no insurance payments but I told them that workmans comp denied the claim so there was n't going to be any insurance payment. I then took out a loan to try and get the car back and Capital one has moved the car from the state I am in XXXX and put the car in XXXX, so it puts undo stress on me to have to drive down there and drive back in the same day I asked Capital one to please move the car back to XXXX and they are refusing. If they would have told me if they do n't receive payment there were going to go through the repo process I would have taken the loan out like I did and pay for the car before it was taken now there is more money I have to pay for the " holding charges '' and the repo charges and it goes on my credit again. None of this had to happen if they would have communicated with me I would have told me please wait and let me take the loan out and get what ever funds to them, now I have no car and have had to loan one which is more expensive than a payment and I ca n't get another car with this one car with them in repo status what am I to do the court date is XX/XX/XXXX settlement will be made they already had the deposition and the attorney said to get the bills together they would pay. I do n't understand why they did n't communicate with me or send something in writing I really feel they took advantage of me now my car is in another state and I had my stuff stolen and more charges to pay then I can afford now.
Consumer complaint received 2023-07-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

I am facing foreclosure upon that notification I decided to sell the property. I reached out to Shellpoint Mortgage company and they notified me that my home was eligible for a conventional sale because of the accrued equity. I was also told that if specific conditions were met that the foreclosure date could be stopped or extended. Those conditions were as follows : A signed contract on the home, Proof of funds provided by a bank and a HUD payoff letter confirming full payoff of the mortgage. I have provided this information to Shellpoint Mortgage company a total of 5 times both by email and fax however none has uploaded this information to my file and no one has attempted to assist me in moving forward with the sale of my home. I have yet to be assigned a direct point of contact that can answer questions or help me in any sort of way. I feel as though I am being discriminated against.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

last month on the XXXX, i sent out letters to all three credit bureaus in regards to inquires i did not authorize or have any acknowledge of. I was appling through a first home owners program a few months back and thats when i was denied. when i requested my credit report i found over 16 inquiries on my report. XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ). IN return the credit bureaus stated that my request for deletion could not be completed due behind my letters looking like they were sent from a credit agency on my behalf which i clearly sent these letters myself. i was also told by the bureeaus to write a letter disputing the inquries and a complaint from the CFPB, FTC OR POLICE REPORT along with providing a copy of the CFPB complaint with a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people i spoke with also. As of today XX/XX/XXXX, i have gotten no updates or satisfaction so on XX/XX/XXXX i will repeat the same process again to all three credit bureaus