davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (NY)

Back in XXXX, XXXX, I had a judgement filed against me where the bank put a levy on some funds in my account ( {$920.00} ). A couple of days ago, XXXX, a XXXX XXXX served Key bank with papers to have those funds transferred over to them. Instead of Key bank transferring the held funds, they took out money directly from my bank account ( {$960.00} ). Key bank has confirmed the first held funds are still sitting there waiting to be transferred and I have confirmed with the creditor that they sent the paperwork to the bank to have the held funds transferred over and nothing more. On top of that, Key bank with drew funds from protected funds ( I collect unemployment ) and also took it from an account that had less than the NY State protected amount per the XXXX law of {$2700.00}.
Consumer complaint received 2017-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Prosper Marketplace, Inc. (AL)

I set up payment arrangements to get on a program. They agreed to place all my late payments on the back of the loan. Over the course of one month I made 3 payments totalling {$850.00}. Last week, I began receiving back to back collection calls. I spoke with a rep who said I was n't on a program. I told them to play the tape. They did. They told me that even though the rep I spoke with assured me that I was on the program, that I was not in fact on the program and would have to make another payment to be " considered '' for the program with no guarantee.
Consumer complaint received 2016-06-27
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMCOL Systems, Inc. (AR)

I 've been looking into my credit reports daily. Mainly because I 'm tired of being contacted by different companies regarding the same medical bills when I ha2d insurance coverage.They have noverlapping accounts on my credit reports. For example XXXX XXXX ( orginal creditor ) sold my account to XXXX XXXX, so why are they both contacting me. And AMCOL SYSTEMS INC is continuing to attempt collections on dates of service that matches PROFESSIONAL XXXX along with identical monetary claims. I 've been told by AMCOL SYSTEMS INC If not paid asap that I would go to jail. They are claiming ammounts of upwards of {$8400.00} for an XXXX visit. They 're are collection 's for services rendered when I was not within XXXX miles of the area. I 've had my state tax returns garnished, then there it is listed on an open account. It 's outrageous that the burden of the proof be on me when companies like these are ruining my credit by using illegal tactics such as fraud, then violating my rights as an American citizen.
Consumer complaint received 2016-12-29
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (NY)

I sent money to my sister who 's on vacation in XXXX, Western Union held the transaction saying it need to be review and they will contact me after two hrs. My sister told me to cancel if that 's how long it will take so I called 10 minutes after to cancel and they did not cancel my transaction. Their email confirmation clearly states that I can cancel within thirty minutes after sending money unless it waa picked up but now that I did they 're giving me the run around. I spoke with a rude supervisor who told me that they 're investigating my transaction and will not get an answer until 1 to 3 business days and that I agreed to the terms and conditions so I have to wait until they decide to approve or cancel the transaction.
Consumer complaint received 2016-05-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I pay my mortgage to Specialized Loan Servicing ( SLS ), and recently I received a Notice of Default, for not making mortgage payment. Although, I have made my mortgage payments. I am aware SLS has me sending my payment to a XXXX address, although they are located in XXXX ; while I am a resident of XXXX. 
I have had issues with SLS, before due to them not sending me mortgage statement since I had a bankruptcy, and not allowing me to send my payment through online banking check instead of by mail ; which always seems to delay the process, and probably has accumulated late fees, but I would not know since I do not receive a mortgage statement. 
Overall, no reason for SLS to be sending me Notice of Default ; when they are at fault for not tracking my payments correctly.
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (GA)

My mortgage company is refusing to work with me to pay delinquent mortgages that I owe. My house is scehduled to be forclosed on XXXX XXXX, 2015. I had contacted the mortgage company after I got into serious financial problems due to my father 's illness/lost my fanther 's brother. I then had to travel to XXXX to bury my uncle since my father was too sick to travel. When I returned in early XXXX, 2015, I was served with forclosure notice. I contacted SLS, the mortgage company asking for ways I can resolve the issue. It took them a while to get back to me. They then sent me a form for modification, which I completed and emailed to them. They still did not get back to me. I called their forclosure attorney and spoke to them stating that I can work out a payment over a 4 months peroid, if the mortgage company can allow me split the past due balance over a four-month 's period, plus the monthly payment. I was asked to contact SLS again, since I had not heard from themToday, XXXX/XXXX/15, I called the SLS office to find out what the total balance or reinstatement amount would be, since they had not communicated that information to me. I then received a fax stating that I owe {$17000.00}, which includes legal fees and some other amounts. 
I do not have this kind of amount or do I know where to raise this amount of money in 5 days. My dad has been very ill and I have been responsible for his medical bills since he has been in the hospital for the past XXXX weeks. I have a duahgter in college, and I have been responsible for her tuition. 
I am a single parent, raising muy kids, and caring for my aging and sick parents. I CA NOT AFFORD TO BE THROWN OUT OF THIS HOME. MY CHILDREN, PARENTS, AND MYSELF WILL BE HOMELESS IF THE FORECLOSURE HAPPENS. 

I AM HOPELESSLY APPEALING TO YOUR AGENCY TO PLEASE COME TO MY RESCUE. I DO N'T KNOW WHERE TO RAISE {$17000.00} FROM IN 5 DAYS. 
My father is too sick to be moved anywhere and he could depart this woorld any day now. 
Please help me. 
I currently have managed to raise {$5000.00}. and if your agency can do anything to stop the foreclosure, I will do all I can to get my mortgage current in less than 4 months. 

PLEASE HELP ME ASAP. I AM DESPERATE AND HAVE NO RECOURSE, SINCE THE MORTGAGE COMPANY, SLS LOAN SERVICING HAS REFUSED TO WORK WITH ME.
Consumer complaint received 2016-12-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Fenton & McGarvey Law Firm, P.S.C. (IN)

I 've fought over this " debt '' for 3 years. The previous collectors filed suit. I disputed it through the local courts, and I heard nothing else. A year later I get a second notice of filing by a different office, starting the whole process all over again. They are wanting me to sign something I do not agree with and have not supplied any information about the debt, or a right to dispute notice.
Consumer complaint received 2016-01-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Bought house in 2009. Needed to refinance a few years later, due to extreme decrease in income. Wells Fargo ( initially Wachovia ) stated not to pay mortgage for a few months as to prove I could not make current payments, and they would be more likely to be able to refi thru XXXX program. Started making 'trial ' payments while getting paperwork finalized. During process, paperwork procedures changed, and no payments were recorded, to which I switched gears and went thru XXXX to save my home. Wells Fargo HAD to approve program for me to be in it, which included WF receiving funds to bring mortgage current. Wells Fargo was receiving monthly payments from XXXX, and FORECLOSED ON MY HOME WHILE THEY WERE RECEIVING MONTHLY PAYMENTS FROM XXXX, unbeknownst to me. Immediately when payments were done, I contacted WF to finish remodification, to which I was told I would be able to save my home. I worked with the SAME preservation specialist for the next several months XXXX in getting all needed paperwork and signatures to them. The last conversation I had with specialist, was to call the next day after all paperwork was sent in ( for the 3rd time ) and they would be able to give my my new mortgage payment. When I called, as instructed the next day, the SAME specialist told me that WF foreclosed my home 8 months prior. When asked why this information was just being told to me, it was stated that she did n't know this whole time. I called XXXX more time after this to discuss, and was told EVERY time I called, that I would be able to remodify. I then told whichever specialists I spoke to that I was told that WF foreclosed my home, to which they would put me on hold for 20 minutes, then come back and say 'oh yes, sorry. nothing we can do. ' In addition, thruout this entire process, WF has been sending any correspondence to a lawyer, who 's services are no longer retained nor have they been for this whole process, to which WF has been notified several times. In addition, have not been able to make any updates on this home that I have worked so hard to get and to keep. I have done everything WF has instructed me to do, every step of the way, and lost money, a good credit history, faith and countless hours in this.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have filed numerous complaints and disputes with Transunion, and as a monthly subscriber to their credit services, I have to say that I 'm appalled by their level of paying-customer service, much less attention to the needs of the consumer. Once they open an investigation, it essentially FREEZES the entire credit report during the dispute process, which takes approx. 30 days for each dispute. This means, that even though I have daily access to view updated credit reports, they information is static. 
On 10+ occasions during the past month, I have contacted them concerning an account to which I was listed as an " authorized user ''. This account was supposed to be removed over XXXX days ago, but they have failed to remove it. This past occurrence, I was instructed on XXXX XXXX that I would need to dispute the information directly with the creditor and file a dispute with Transunion. I did just that, and now they are approximately 20+ days into that dispute and have not contacted the creditor once. I spent over 4 hours on the phone with several departments within the creditor, and they assured me that nobody from ANY credit agency has contacted them, much less Transunion. 
I 've attempted to upload files to their dispute process, but since my report/file is completely frozen, it is impossible to do so. I 've tried faxing in supporting documents to the number they provided, but the fax # has been busy for 10 straight days. I 've tried calling them to request an email address I can send supporting documents to, and they attempt to convince me that nobody in their company has an email address. 
To date, I have contacted XXXX XXXX XXXX XXXX Credit Card ( XXXX the same place ) and have removed myself as an authorized user for the account. My wife is the only person financially responsible for this account, and I have supporting documents to show this removal. I 've attempted to have this resolved quickly by Transunion, but they seem content to not do anything in terms of an actual investigation and are failing service expectations miserably.
Consumer complaint received 2015-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Commercial Services, Inc (KS)

National Commercial Services sent me a letter dated XX/XX/XXXX alleging I owed them approximated {$320.00} and alleged my XXXX. I do not believe my XXXX. I have no evidence to support that and there is court judgment. I responded with a certified letter sent XX/XX/XXXX and received confirmation of receipt on XXXX
Consumer complaint received 2015-06-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RICHLAND HOLDINGS, INC. (NV)

I have been divorced for 15 years. My son lives with his mom. She took him to the doctor couple of years ago. She forged my signature on the doctor 's paperwork. I was not aware she took him to visit the doctor, nor I received any bills since my address was not in the paperwork. I called the collection company Acctcorp of Southern Nevada and they said they do n't care that my signature was forge on the paperwork, and that I never receive a bill, I need to pay this collection because I 'm the father, and hanged up on me.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Police report and supporting documentation were sent to all XXXX credit reporting bureaus regarding identity theft and fraud that has lead to derogatory information on my credit reports. I have since received a response from only Experian and Equifax credit reporting agencies notating refusal to cooperate. My attorney sent a letter demanding the cooperation of the XXXX credit reporting bureaus under Fair Credit Reporting Act ( FCRA ). I have also sent a notarized statement with color certified true copies of my Social Security card and drivers license, along with a copy of the letter from the attorney. All XXXX credit bureaus still continued to refuse to correct my information. However, after another FCRA complaint regarding XXXX violations of FCRA, XXXX finally corrected all the information. On the other hand, Trans-Union just now finally responded for the first time in many months explaining that, despite all my documentation, my correct information is either an error, a misrepresentation, or fraud. Under FCRA, identity theft victims have additional rights, and I may seek damages from violators. I am already suffering damages in the form of increased rent, increased insurance costs, and denial from continuing my college program ( financial aid ) until the inaccurate derogatory information is removed. This has already been going on for six months, and I have already made repeated requests from TransUnion to remove the inaccurate information. Given my small XXXX insurance income, these delays from TransUnion pose undue hardship to me. Further, regarding my expenses to resolve this issue, I may seek damages from the credit reporting bureaus in federal court in the form of punitive damages resulting from the undue hardship. I request assistance in removing the incorrect information and seeking punitive triple damages from the credit reporting bureaus.
Consumer complaint received 2016-09-11
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY (AL)

i was issued a XXXX credit card for Home Projects from Wellsfargo Financial & XXXX took the card for {$35.00} for them to come out & measure for flooring but when i i picked my flooring & went to pay it was declined so i called & i was told that XXXX, XXXX XXXX were not on their list. 
i was told to go online to find home improvement stores that was on the list but i could never find it! i have never received a statement from them but i paid the {$70.00} on XXXX XXXX. by phone & now they say that i had a {$40.00} payment due on XX/XX/XXXX. i would like to be able to use the card but i don`t understand why a company as big as Lowes do not take this card!! something wrong somewhere! now they have added a late charge & i don`t know what i owe for! 
can you please give me some answers about this credit card? 
Thank You XXXX XXXX
Consumer complaint received 2015-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WEICHERT FINANCIAL SERVICES (NJ)

In XXXX 2015, I had water damage to my condominium from a ruptured sprinkler pipe in a neighboring unit. We began to repair our home during the spring and summer out-of-pocket before we got our insurance settlement in order to expedite our return home. In total, our repair costs were approximately {$40000.00} This loss was ultimately covered, in significant part, by my insurance settlement. I received {$33000.00} from my insurance carrier, which I remitted to my mortgage holder as loss payee as soon as it was received in XXXX, 2015. 

My mortgage company has been holding onto this money without a legal right to do so. Our mortgage agreement allows them to " hold such insurance proceeds until the lender has the opportunity to inspect such Property to ensure the work has been completed to the Lender 's satisfaction. '' They conducted this inspection on XXXX XXXX, 2015, and both the inspector and customer service department indicates that the work has been completed to their satisfaction. 

Nevertheless, they continue to hold onto these insurance proceeds, creating a financial hardship for me and my wife who had to repair our home without the benefit of having insurance. Meanwhile, the mortgage holder is profiting from the float. 

When I call their " loss draft department '' they come up with novel things that I have to do, including, most recently, that I have to write them a handwritten letter recapping what I sent is a series of other letters. None of this is allowed in the mortgage agreement. 

This is a classic example of consumer fraud.
Consumer complaint received 2017-01-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: TCF NATIONAL BANK (IL)

I am writing to continue a complaint XXXX. I am attaching several documents which present my case and my situation. First, I was foreclosed by TCF. They never gave me the opportunity to make things right and NEVER considered a short sale offer I has for {$960000.00}. In the most recent letter letter ( attached ) from TCF, XXXX XXXX, he stated that he made many offers, offers I specifically asked for in my XX/XX/XXXX letter ( attached ) and that he did not hear from me. This is incomprehensible -- all I wanted was to keep my son in school -- and not have a deficiency judgment. He says they offered that, which must have only been a year ago, and that I did not respond. However when I asked for a copy of the offer, they have none. I am asking you to look into this situation. I also attach an offer I received for the property XX/XX/XXXX for {$960000.00} which TCF did not entertain, but yet they sold the home for {$800000.00} less than 6 months later. This is a choice of theirs to accept such a low offer for the home. They are pursuing a deficiency judgment of {$340000.00} against me and will not negotiate, Attached letter of XX/XX/XXXX. It should not be allowed that TCF took the home I lived in for 18 years, without any negotiation or offers of assistance. When I first approached TCF there were government programs offering 1 % and 2 % mortgages, and yet TCF would not consider lowering my rate, and then sold the home at such a steep discount. This should not be allowed. They purposely accepted {$160000.00} less for the home and are coming after me for an amount they know I can not pay. Please assist in getting TCF to withdraw their deficiency judgment and letting me put back the pieces of my life.
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (AL)

First I 've never been late on my payment. 
Never had a claim but they went up on my payment. 
Servicing of my loan is the cause are my payment increase. 
* ( PAYMENT WHEN UP )
Consumer complaint received 2016-10-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NY)

Ally Auto received XXXX checks on XX/XX/2016 at XXXX and proof of XXXX delivery, which was signed for. XXXX check was {$17.00} and the other was {$32000.00}. The total amount was more than what was owed. I called on XX/XX/2016 when they were not posted and was told, it was not enough for the payoff and was told if I did n't make a payment of {$51.00}, they would not post the payments. I was also told it could take up to 10 days and would not be posted on the date they were received. When I was getting nowhere, I contacted my rep at the XXXX XXXX XXXX XXXX and she has called everyday since XX/XX/2016. She has never spoke to the same person and within those calls, did get a reference # XXXX. Ally Auto has confirmed they have the XXXX checks and keeps assuring her they will be posted within 24-48 hours and it has been escalated and that it takes time. It has been 7 days since the checks were received. This should not be happening and I have read other reviews on line about this happening to other people. Ally Auto has been called everyday, a few times a day to try to get this resolved and as of today, my auto loan is still showing a balance. The call today, my rep was able to speak to a supervisor, who told her they are working on and will be posted today. She also told her that we just need to have patience, that these things take time. This is unacceptable. As a bank, the check should have been posted the day it was received. I will NEVER go through Ally Auto/Bank again would like warn others who do.
Consumer complaint received 2021-07-15
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: Experian Information Solutions Inc. (SC)

sent dispute to XXXX  on XXXX and still haven't got any results on investigation transunion has remove all collections on credit report my but experian and XXXX  haven't therefore i know my report is inaccurate and not 100 % correct and by law must be removed from my Credit Report Also XXXX  has improper display of my collections which makes it inaccurate which needs to be immediately removed