davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (OR)

XX/XX/2018 XXXX  - a credit reporting company for real estate loans example - XXXX credit reporting agency show that i have a credit score of XXXX. XXXX is showing that i have a credit score of XXXX  through XXXX.

the information shown on XXXX  is simply wrong. There lack of updated information is causing me NOT to be able to get a real estate loan i can afford.
Consumer complaint received 2018-07-15
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: Bread Financial Holdings, Inc. (CA)

Me and my husband went to XXXXXXXX XXXX XXXX on XX/XX/2018 in  XXXX, CA to do a little shopping around. One store I went to was XXXX XXXX. When I went to pay at XXXX XXXX, the associate offered me a reward card and told me it would help me get {$20.00} off the purchase and get a free pair of underwear and I would get points as I spend money there. Most stores offer their own versions of reward cards for free so I was inclined to do. As I filled out their survey and finished, I was ready to put it on my debit card but the associate said that we had to put the transaction amount on the rewards card, which to my confusion, happened to be a credit card. No where in the conversation was the rewards card called a credit card, even when I asked what the rewards card entails. The associate never told me it was a credit card and never asked to pull my credit, but rather told me that it was just a free rewards card. Pulling credit is not free as inquiries can affect your credit which takes time and money to improve. So the associate wanted me to put the {$93.00} on the credit card but since I did not want the credit card in the first place I put on my debit card. We tried to talk to the manager but we got a supervisor named XXXX and while trying to explain the implications of this deceptive practice, we were told that we were being aggressive to trying to find a resolve. After leaving we called XXXX XXXX  Customer Service and talked to a CSR named XXXX who was very helpful, they wanted to send a {$25.00} gift card for the inconvenience. I was also told that this happened to another person by the rep so this seems that it can be a reoccurring incident. My husband works with loans and said that this would break certain laws/regulations under UDAP.
Consumer complaint received 2015-12-12
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NC)

I have experienced my worst banking experience as a result of dealing with Wells Fargo online representatives, and supervisors. As Power Of Attorney, I have attempted to close XXXX matured 48 months Time Deposit Accounts, and have the funds transferred to an account, which is titled in the same name as the TDA 's. On XXXX XXXX, 2015, I was advised this would be done, and would. take a few days. The transfer was not made. I called again and spoke with a supervisor who apologized, and promised she would take care of the transfer. Eventually XXXX account was closed and put into the savings. The other XXXX was not closed, and disappeared from the online profile. I made several other calls and spoke to supervisors who promised to close the account and make the transfer but never followed up.I called again on XXXX XXXX, spoke with a supervisor XXXX XXXX, who apologized, said he was not like the other supervisors, and ensured me the transfer would take place. Like the other Supervisors he did not follow up. 
Here we are nine days later. I spoke with a representative who said his name is XXXX. I asked to speak with XXXX XXXX. XXXX put me on hold. He returned and advised me the TDA had rolled over and I had to go into the Bank. I told it, it was not my fault since I had been calling since XXXX XXXX, 2015. He then said as POA, I could not request the telephone transfer even though the funds were going into an account with the same title. I told him none of the many representatives, and supervisors I spoke with gave me this information, and asked him why XXXX TDA was closed, and transferred. He said it was a mistake. I stated that the supervisors needed to be retrained, and at this point my request should be accommodated. XXXX agreed with the retraining, but did not agree to accommodate my request. As of XXXX/XXXX/15, I have not gotten any results. 




I would like to have this account closed, and transferred to the savings account with all accrued interest included. All supervisor and representatives should ask themselves, how They would feel if this happened to them. I think they would agree this is horrible, unacceptable service. 




Thank You, XXXX XXXX POA, For XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MD)

This morning I received an email stating my credit card limit was cut to 20 % of the former limit. In the letter, I was told my decrease was due to decreases on my credit file - which was caused by the same credit card back in XXXX. 

The letter also included that I had too many inquiries on my credit report, which is related to the refinancing of my rental properties. 

I have not opened any new accounts and I have not missed any payments. When I called to ask for an explanation I was told there is no person I can speak with and there's no option to reconsider this decision.
Consumer complaint received 2018-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (UT)

XXXX XXXX XXXX XXXX XXXX Nationstar Mr Cooper Not really sure who they are anymore except Frauds. I'm a victim of there fake modification scheme to take your money and your house.. 
I have tried over and over to renegotiate the loan re write the promissary note.. 
The house is under water. 
The house burned down in XX/XX/2013 and was never fixed correctly, no heat no air conditioner no nothing in over 5 years. 
But all I get is misunderstood and mistreated and let me tell you how It is very hard to be disadvantaged, a single mom of disadvantaged children and continually unheard ... 
The loss mitigation Dept can not figure out who there all stole my money?? 
They are involved in securities fraud, there note is fraudulent because they do not have one.. 
They are trying to hurry and get rid of there fraudulent loans and push to get my property sold, all to cover up there own misfortune. In the mean time they wil not provide the note, they will not renegotiate the loan amount or terms after I have tried for over 7 years. 
Where is the assignment Who has the right to forclose on my property? Where was this recorded? 
Mr Cooper can't even get my attorneys new updated address right in over 3 years? How could this even be possible?

I want to know on. who's behalf are they selling my property?

Not mine I want a quite title action brought against Mr. Cooper because they have not got one thing right in my case.

They are involved in fraudulent activity I do expect punitive damages just like they expect there XXXX in interest in the last five years me and my kids lived with no heat no air conditioning, nothing working. I'm asking for an injunction from them selling my property..
Consumer complaint received 2015-11-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

To increase the information available to me and the CFPB in investigating these matters, I kindly request that Scottrade provide me with all of the Exhibits referenced in Scottrade 's XXXX XXXX, 2013 letter. The Exhibits within the letter significantly advance my allegations mentioned above and the fact that Scottrade failed to provide them shows that Scottrade is actively hiding this information from regulators.
Consumer complaint received 2018-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CA)

I had a synchrony credit card and XXXX XXXX credit card where I made a XXXX $ minimum payment I recently have gone through financial hardship and have been late on making a few payments. I was struggling with making payments on student loans not understanding credit at the time.
Consumer complaint received 2018-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

My monthly mortgage agreement was with XXXX XXXX XXXX who switched to Ever Bank. In XX/XX/XXXX I  payed my mortgage early which was actually due XX/XX/XXXX. It was inadvertently lost in the mail. 
A company named XXXX XXXX  sent me several default notices received : 2 notices on XX/XX/XXXX  again XX/XX/XXXX and again XX/XX/XXXX with Pre foreclosure instructions and forms included. 
There was no disclosure on the paperwork that they were acting on behalf of Ever Bank. 
This was so upsetting as I have never missed a payment. I called my checking account bank and they confirmed my payment was not cashed. I then called the phone number on the first notice which was on pink paper. Within a week I was bombarded with 4 XXXX letters in addition to multiple phone calls. 
Not one message on my cell made reference to the fact that they were associated with Ever Bank! It appeared to be a phishing scheme by not identifying themselves properly. 
This approach is so heavy handed that I decided to help others who may be subjected to this treatment. I realized what happened and paid one month over the phone giving them my personal checking AC info, my cell number, email and other personal info. I still am not convinced they are not phishing. It was so unprofessional. There was no earnest help to problem solve the missing payment. Now I'm left wondering how a business practice like this is affecting others. I had to XXXX your complaint page as I have never had to resort to this. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-09-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

With the support of my NJ Making Homes Affordable/XXXX Solutions housing counselor I gathered required documents and faxed them ahead of a 7 day minimum requirement deadline for loan modification review. 
Upon calling to confirm that said documents were received, I was told that my application was received by the Wells Fargo Re-entry department instead of the Home Preservation department my housing counselor put me in contact with. 
On Friday, XX/XX/XXXX, inside the 7 day window I received a call informing me that one document needed resigning and that XXXX additional documents heretofore not requested was needed by Wells Fargo. 
I gathered these documents and within 48 hours had faxed them to Wells Fargo. 
Today, XX/XX/XXXX I called Wells Fargo to be certain that all documents needed were received. 
Again, I was transferred to the Re-Entry department and was told that my documents would not be reviewed due to the seven day deadline being past. 
I was told that I would need to seek an adjournment of my sheriff sale. 
I was of the understanding that Wells Fargo would adjourn the sheriff sale as it was reviewing my application. 
It is my assertion that Wells Fargo is not servicing my FHA mortgage loan modification in a legal manner and may be committing fraud by what it 's telling me how to properly servicing my application.
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Billing statement — 
Company: TD BANK US HOLDING COMPANY (NJ)

I opened a Target Red Card account on XXXX/XXXX/15 and set up an automatic payment program with my bank checking account at TD bank on XXXX/XXXX/15 to pay for any balance due on my Target Red Card. The Card company failed to draw monies from my bank account to pay for a balance due and kept imposing late payment penalties and interests on my Card account without my knowledge for several months. I found out this problem on XXXX/XXXX/15 while I was going to purchase something by using my Target Red Card that was rejected. I have never received any e-mail alert/statement or paper statement of my Card account balance due from Target Red Card company before XXXX/XXXX/15.
Consumer complaint received 2018-07-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

My loan which was serviced by Select Portfolio Servicing, was closed when I refinanced my house on XX/XX/2018. I was advised that legally they had to get my escrow refund to me within 20 days. It is now XX/XX/2018 and I still do not have my refund. I have called twice to inquire about the refund and was advised that they sent the check to be cut and processed on the XX/XX/XXXX and that it would take 7-10 more business days on top of that to receive the check. I have received other correspondence from them that did not take that long and mail from anywhere in the US does not take 7-10 business days. I received a notice that my loan was closed but not that I was receiving a refund or how much it would be. I called again today and asked for an overnighted check and was advised that she would 'notate '' my request but that it would most likely take another 30 days. I feel that if I did not consistently inquire, this payment would never have been made to me. Also they had not way of sending me confirmation that the check was actually cut or sent. Also, she could not send me a confirmation that it would be coming this time again. Maybe this just was a one off error, but the whole process seemed like a scam to try to keep peoples overpayment of escrow money.
Consumer complaint received 2018-07-13
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: EQUIFAX, INC. (MO)

I HAVE FILED WITH FTC ( SEE REPORT ATTACHED ) THESE HARD INQUIRES NEED TO REMOVED FROM MY CREDIT REPORTS ALL THREE AGENCIES. I HAVE SEN THEM COPIES OF THIS INDENTITY THEFT REPORT SEVERAL TIMES VIA FAX XX/XX/2018, XX/XX/2018,XX/XX/2018,XX/XX/2018 ; ALL SHOW FAX REPORT THAT IT WAS RECIVED BY THESE AGENCIES. BUT NOTHING HAS BEEN REMOVED.
Consumer complaint received 2018-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Consumer Relations, The reason for me filing this complaint with your agency is due to TransUnion not concluding their reinvestigation within 30 days require under the FCRA. The 30 Day investigation has passed.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

It has been established that XXXX XXXX has and is still violating the FCRA in MO and other places. I have proven chapter by chapter and paragraph by paragraph of the FCRA that XXXX XXXX has is violating the FCRA. My complaint documents this violation ( s ) and no authority is willing to act on XXXX XXXX 's vilations and XXXX XXXX will not address the complaint specifics because it knows it does not have to and there is no enforcement by the CFPB or FTC. This is sad that any company can violate the law and all I am told is that I can bring suit. I know can bring suit. That is not the issue. XXXX XXXX has committed fraud in the manner in which it reported my circumstances on input to Credit Reporting Agencies. XXXX totally removed all information regarding XXXX XXXX from my credit report. Transunion refuses to follow suit and XXXX has made some minor changes but not enough to correct the credit reporting per the agreement made between XXXX XXXX and I in several documented letters. There is not need for a CFPB or authority given to the FTC to enforce the law if they will not do it when provided ample proof. I will report this matter to the " drain the swamp '' team at the White House.
Consumer complaint received 2018-07-13
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: FIRST CITIZENS BANCSHARES, INC. (TN)

I have contacted the credit bureaus on inquiries that were not mine they said they cant take them off. they cant dispute them they remain for two year. this may be the case if I authorized those inquiries but I did not. they told me to contact the creditors pertaining to the in inquiries which I did. they said I have to contact the credit bureaus. so between XXXX, XXXX and XXXX I am getting the run around with no type of help
Consumer complaint received 2018-07-15
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. (FL)

I had no idea. My roommate stole my identity. XX/XX/XXXX. I received a letter stating that he did. I went down to the XXXX Police station. Got a police report. Did a affidavit. I wrote to all 3 credit bureaus I am a victim of identity theft. I have Hard inquiries and things in collections and credit cards and auto loans in my name that was not mine and to take it off. Exquifax, XXXX, XXXX. They took 4 years to take off the identity theft. As of today XX/XX/XXXX. My credit report from 2 of the 3 is almost right. XXXX still has a hard inquiry from XXXX XXXX DC XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CO XX/XX/XXXX. These Hard inquiries need to come off this was due to Identity Theft. They did take off other stuff that was in result of this mater. Exquifax did the same they took off all the stuff from this matter. But they did not take off the hard inquiry. XXXX - XXXX XX/XX/XXXX. I had wrote to all 3 Last month to take them off. But they refused. 

As for as XXXX, Its XXXX everything is still on my credit report. I sent everything certified mail. They did receive everything the other credit bureaus got. Never was sent a letter all the Identity theft is still on there. Accounts are. 

XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$17000.00}. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, {$730.00}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$340.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX {$650.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$94.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$760.00}, XXXX XXXX, XX/XX/XXXX, {$1000.00}. 

Hard inquires XXXX XXXX XXXX, XX/XX/XXXX, Bank Credit Cards, XXXX/XXXX  XX/XX/XXXX.
Consumer complaint received 2018-07-13
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 — Their investigation did not fix an error on your report
Company: Westlake Services, LLC (AL)

Yes, they have a vehicle on my credit report that I did not purchase. It says with a creditor named WESTLAKE FINANCIAL SERVICES. I have asked them to get the creditor to provide a signed contract for purchase with my signature requesting a loan with this company. I have asked in the disputes and have not received any information or the removal of the creditor from my reports.
Consumer complaint received 2018-07-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

IN REGARDS TO TRANSUNION XXXX XXXX XXXX XXXX PA XXXX I HAVE SENT CERTIFIED LETTERS OVER AND OVER AGAIN ABOUT ME BEING A VICTIM OF IDENTITY THEFT AND A VICTIM OF IDENTITY FRAUD AND NO ONE SEEMS TO CARES. ALL OF MY INFORMATION IS SCATTERED AND JACKED UP AT TRANSUNION AND NEEDS TO BE FIXED ALONG WITH THE REMOVAL OF INCORRECT EMPLOYERS. AND TELEPHONE NUMBERS. I HAVE TRIED TO RECTIFY THE PROBLEM COUNTLESS TIMES OVER THE PHONE AND THRU MAIL BUT HAVE GOTTEN NO WHERE SO NOW IM HERE WITH MY COMPLAINTS.