davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

I have disputed these charges for XXXX XXXX XXXX on my credit report to all XXXX credit bureau 's. 
Just been informed as I was trying to buy a house that just recently this judgment was on my report. Judgment is from XXXX and I have a judgment that stands on my credit report that was not from me. the evidence given by ascend shows checks signed by me. The check signature on back is not my signature or known facility of business on check. the check is made out of XXXX XXXX XXXX, I do not use my middle name ever!. also documents state that I was sent many letters that I never received or seen a sheriff come to my house and serve any papers. At that time I worked 16 hours a day. Working an going to school. From the attorney she stated I will be getting recurring interest since I called about the issue XXXX/XXXX/XXXX. She says the total is now XXXX so I am very confused how this judgment has changed so drastically in a matter of months. I need help figuring this out cause XXXX XXXX is not assisting besides pay the debt and I have numerous time said this debt is not mine. Even if it the judgment came off i was told that ascend will not remove it, so i am XXXX no matter what.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (KS)

I had a state tax lean put on my credit file with Equifax. I got notified of the public record, because I moved and never got the notice. After tracking down the source, it was a system error, they released the lean and I filed it with the record of deeds. Equifax reported it paid/released. I was then told after looking into it again it would be removed. The other XXXX agencies removed, but Equifax says they verified it. Using the information on the report, they could not even find a lean for me, so therefore they did not verify it with the information they provide me. Telling them this, they offer to dispute it again, giving the same result. How did they verify using the information provided, information that I cant verify using information supplied by report. I want it removed as it should of been a long time ago
Consumer complaint received 2015-12-27
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KEYCORP (IN)

My ex wife and I had a HLOC and a note on our lake property which I now live in since we are divorced. The court order mandates that I maintain payments on the debt which I have done every month. We have never missed a payment until Key Bank stopped taking payments out of my account. The actual Key Bank debt was discharged from me in XXXX but my ex wife is still liable for the debt. She did not let me know about the note due at the end of XXXX since she had all the documents. That is when they stopped taking payments out of my account and did not notify me ... I had to find that out on my own. After a series of calls I findly contacted their outside counsel who instructed me to continue to make payments and I have. I received a letter on around XXXX XXXX, XXXX stating they were going to start foreclosure. I have told them all along to roll the note over into my name ... no cooperation. The whole issue is over a legal piece of paper not about failure of payment!! The bank has put themselves in a position of not wanting to solve the issue. I have talked to outside legal counsel and they are scratching their heads as well. I need someone to intercede on my behalf to talk with the bank because every person I talk with gives me a different answer ... mean time they are pushing for foreclosure internally while the banks outside legal counsel tells me to do something else.
Consumer complaint received 2016-10-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Bureaus, Inc. (CA)

I have sent XXXX letters ( attached ) to the Bureaus Inc. asking for validation in accordance with the Fair Debt Collection Practices Act 803 Definitions 15 USC 1692A. This would include a copy of the original contract from the original creditor - XXXX XXXX - bearing my signature. I have never received that. They sent a doc showing that they bought a bundle of debt from XXXX XXXX, and they claim XXXX XXXX is the original creditor but that is a lie. XXXX XXXX is the original creditor. Where is the original contract with my signature from XXXX XXXX saying I ever agreed to pay an assigned debt collector? They obviously do n't have it so they are breaking the law reporting me negatively to the credit bureaus. Further, if they believe XXXX XXXX is the original creditor, let 's see a contract with my name on it from XXXX XXXX. It does n't exist because XXXX XXXX is not the original creditor. This is not about whether or not I ever had a XXXX XXXX credit card. This is about whether or not I owe the Bureaus Inc. any money, and they have shown me no proof that I owe them one dime. Without my signature on the original creditor contract that shows I will ever agree to pay an assigned debt collector, the Bureaus is breaking the law by negatively reporting me to the Credit Bureaus. This is my last and final attempt to allow them to remove this item PERMANENTLY from all XXXX credit bureaus before I file a claim in small claims court in XXXX XXXX where I live, for $ XXXX. They will have to fly out from Illinois to deal with this and incur great costs and they will lose because they are breaking the law. I want this removed immediately, it is causing me great financial hardship. Thank you for your help!
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I submitted a dispute with Equifax over a charge off account reported incorrectly on credit file with Equifax. I followed a dispute and passed XXXX days of investigation with wrong balance on file. Also, as today ( passing XXXX days ) it shows as pending, therefore, my credit is being affected due to delay in their end ( Equifax ).
Consumer complaint received 2016-09-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Prosper Marketplace, Inc. (CT)

I have a loan from Prosper. This was contractual and their were no deceit except how the interest would accrue. They are charging 24 % percent each day on the balance of loan, which I feel is very wrong. All other banks and financial institution are charging monthly rates. 

I did not see this writing in the bold or fine print of the loan. I have no problem pay the loan back, but I feel the daily interest is a deception and an unethical practice that hurts the consumer worse than the financial problems they were in prior to the loan agreement.
Consumer complaint received 2016-09-19
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: TCF NATIONAL BANK (MN)

I have an XXXX XXXX XXXX Pre-paid card. This card allows you to " load '' funds to the card online using your debit card. I have done this for years with my credit union debit card and not had an issue. I am now primarily using TCF Bank as it is more convenient than my credit union, and attempted to " load '' funds to my XXXX XXXX XXXX Pre-paid card. Unfortunately, TCF Bank has chosen to block these transactions " for the safety & security '' of my account ( or so I 'm told ). TCF Bank should not be allowed to block these transactions. My assumption is that these transactions were blocked by TCF Bank because it allows their customers to bypass their fee structure. By loading money to this XXXX XXXX card, I am able to withdraw from thousands of ATM 's nationwide free of charge. With TCF, I am charged {$3.00} if I use an ATM outside of TCF 's network. Additionally, TCF has their own prepaid card. Are these transactions really blocked because they want you to use their card? 

I was offered an alternative by a phone banker that I could use ACH to transfer funds to my XXXX XXXX card. Unfortunately, this wo n't work for me for XXXX reasons : 1 ) XXXX XXXX XXXX no longer allows transfers using ACH TO my card, only to withdraw from my card. 2 ) If it did, it would take several business days. The whole point of using my debit card is to load the funds so they are available immediately.
Consumer complaint received 2015-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

On XXXX XXXX, 2015, XXXX, a representative from Seterus in the XXXX office, my mortgage servicer, called me and told me by phone that my current interest rate of 2.5 % was being locked in for the life of the loan. This is what I had been asking for since I informed Seterus that I would not be able to make the payments due to excessive medical expenses for myself and my wife. Myself and my wife are senior citizens on a fixed income and I had been calling and sending letters consistently for the past six plus months trying to make a payment arrangement with Seterus. After speaking with XXXX and knowing that Seterus does not often send written confirmation, I myself sent a letter to XXXX XXXX ( the loss mitigation representative I had previously been communicating with ) in the XXXX XXXX office to document our conversation, to thank her, and confirming the payment amount. About one week later, I received another call from XXXX ( did not identify themself ) confirming the payment arrangement. I was then told that written confirmation would come with my XX/XX/XXXX payment coupon. This was incorrect in as much as the XX/XX/XXXX coupon showed the increase in interest rate. In speaking with XXXX XXXX, one of the supervisors at the XXXX office, he claims that I did not complete my paperwork and that everything was put on hold. I did not complete the paperwork because I was told I was approved and l locked in for the interest rate. I was not informed that I had to turn in any additional paperwork when I was verbally informed of the locked in interest rate of 2.5 %. XXXX told me that because I did not submit the paperwork that the fixed interest rate was canceled. He told me to turn in the financial documents and send them to XXXX office which I am doing.
Consumer complaint received 2016-12-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

I have my HSA and XXXX accounts at Wells Fargo and called them around early XX/XX/XXXX to retrieval my login info. I was told that I have other accounts with the bank and asked if I wanted to reconcile my accounts. When the operator tried to reconcile the accounts, it was unable to do it because the other account ( XXXX ) opened on behave of me did not originate from me. I then went to branch office and submitted my identity info and ssn copy and was told that they will investigate if this is an identify theft and give me a report. I did not hear back as of XX/XX/XXXX and called them again. This time I was transferred to their ID theft dept. I raised the issue again and they finally called me back XXXX days after. I was told that it was an internal error and not an identity theft. When I asked for a report, they refused to do so. I think that they should give me a report on why my name and ssn was used for opening accounts for other person? how it happened?
Consumer complaint received 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (TX)

The company procollect was given my account after my duagjter moved out of an apartment complex in which I was guarantor, the charges were way more that anyone would ever pay for simple bathroom and kitchen cleaning for a stove to be cleaned that never even worked the entire time she was there, carpet repair when there was no carpet even in the apartment, I tried to explain my situation and that I would pay for reasonable charges but they do n't care about the principle or my innocence, they insist that I pay the XXXX dollars in full. I have called several times year to procollect and the apartment community and not one person is professional enough to at least investigate the matter. This is the only negative thing on my credit, I have never made a late payment on anything. I am professional RN for 16 years and am able to pay my bills, it is the principle here not the money. The unprofessional manner of procollect and their staff is unacceptable to consumers whom do actually pay their bills on time. The staff never even offered to call the apartment community to see if we could come to a conceses, they basically treat you as a lying flake
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (PA)

In XXXX XXXX, fraudulent attempts were made to access my existing credit card accounts ( unsuccessfully ) and to open new accounts ( unsuccessfully ). At that time, I placed security freezes with all XXXX credit bureaus. In XXXX, XXXX, XXXX of the XXXX bureaus ( XXXX and Equifax ) temporarily released the freezes to a fraudulent person. That person subsequently fraudulently opened XXXX credit cards in my name and then attempted a change of address on both cards. There is no mechanism in place for the credit bureaus to confirm identity ( other than the previously issued PIN ). A phone call to a phone an existing phone number in my credit file would have prevented the freeze release. XXXX released the freeze even though a credit card that was not mine was used to release the freeze. That credit card used is not on my credit report and the phone number used to release the freeze is also not on report. XXXX DID provide me with a new PIN after the fraudulent release AND it will ( supposedly ) now require a fax of identifying information prior to releasing a security freeze as well. Equifax released the security freeze even though the call to release the freeze was disconnected prior to getting any credit card to secure the release. Equifax then refused to issue me a new PIN without creating a new security freeze for an additional fee! So with Equifax there is still no mechanism in place to prevent the fraudulent person from again releasing the security freeze.
Consumer complaint received 2015-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ERC (TX)

on my XXXX credit report.i have disputed collection charge its my son they want investigate my dispute. so, i call both company and they tell me its my son account they keep leaving it on my credit report its under his social number they want take it off.and their is a creditor, i pay every month this on and they have no data for XXXX months or more they are not treating me fairly its like they can do whatever they want they in charge.
Consumer complaint received 2015-05-27
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I returned my leased vehicle. I was informed there would be a balance. I never received any documentation. I find out that the account has been reported as delinquent to the credit bureau. I immediately paid it because I do n't want to have bad credit and asked them to remove this derrogatory information from the credit bureau. They agreed to do so but it has not happened.
Consumer complaint received 2016-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ERC (FL)

This is an ID theft issue. An individual used my information to charge a large amount for XXXX. ERC at XXXX came after me, at which time I explained that they had the wrong person. I filed a police report and took other steps to correct the problem. However, my main issue with this company is that they put a negative flag on my credit report before even talking to me about the issue. Even after I spoke to the office manager named XXXX and verified this was ID theft, he refused to delete the negative report until some time in the future, This is wrong and needs to be corrected right away. I should be inocent until proven guilty..
Consumer complaint received 2017-01-19
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: HANCOCK WHITNEY BANK (FL)

Harrison finance employees has been calling from different numbers and does not leave a message saying what company they represent or what the call pertains to.. they simply leave messages stating a name only when calling my phone. It has gotten to the point where they called my job everyday 3x a day as well as family members who I never listed as a reference. I am starting to believe they are looking up my family in the cities directory because they have even started calling my wife 's family and we just got married a month ago and I received this loan almost a year ago. 
I have sent in partial payments and the company states that they will not except anything but full payments. I have asked numerous of times for them to simply stop calling but now its has lead to full time harassment.
Consumer complaint received 2015-09-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

I closed my checking account with Wells Fargo on Friday, XXXX/XXXX/15 in person at the same branch I opened it 15 years ago. The teller confirmed that the account would be closed and handed me in cash the remaining balance. I also have a credit card account with Wells Fargo and it was setup to autopay from my checking account. Payment was due on XXXX/XXXX/15 in the amount of {$290.00}. I attempted to cancel that autopay but they do n't allow you to do it online. Since the checking account had been closed, I decided to not worry about it since could n't very well autopay from a closed account. I made payments of {$500.00} & {$1000.00} to the credit card account on XXXX/XXXX/15 from XXXX separate checking accounts outside of Wells Fargo. Both posted on XXXX/XXXX/15. Wells Fargo proceeded to deduct {$290.00} from my closed checking account and transfer it as a payment to the credit card account. This caused the checking account to be charged a {$35.00} insufficient funds fee. I specifically opted out of their overdraft system previously and chose to instead have them deny payment if insufficient funds due to their manipulation of their internal system to generate fees. They then transferred {$290.00} from my credit card account ( yes, the same XXXX they had just paid ) to cover the overdraft in the checking account and charged that account another {$35.00} for paying the overdraft. Another option that I had specifically exercised to not implement because of the outrageous fee they were going to charge for as little as covering a {$1.00} overdraft. They set the system up so they would make {$70.00} for any possible overdraft if you let them tie it to your credit card account. After speaking with the Wells Fargo claims department after sending them an email detailing the problem, I was informed by the claims department person that I needed to take this up with the local branch because she did n't show the account closed. So far, I 'm about an hour into trying to protect my money and still have to spend time at my local branch. I would n't file this complaint at this point except I doubt I 'm unique in this situation and I suspect that Wells Fargo has generated a great deal to their bottom line by manipulating accounts and fees and most people just give up rather than fight them. Of course, that 's exactly why your agency was created and hopefully you will be able to force them to quit these heinous practices. One thing is for sure, I made the right decision last Friday to close my account with Wells Fargo. Thanks for your time. I have enclosed a document that contains my account info and copies from online of what transactions took place.
Consumer complaint received 2015-12-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

Hello, the house that I am currently staying in is going into foreclosure. The main chunk of this problem began when the member of family, also one staying in this house, did not notify me of any form of delinquent payments. They have been stacking up since XXXX of 2015, and I was not made aware of this until last month. It was also the end of last month when we got up the spare money to pay up the delinquent payments. Though the bank refused to accept the money, telling us that the house is being foreclosed upon. 
The reason they do not want to talk to us is because when our mother died intestate, and had no will. Her death was approximately two years ago, I was told that a lawyer was being talked to for probate. However, I do not know how legitimate these claims of my sister are. 
I would like help to get the house payments current, as it is today on XXXX XXXX, 2015 the amount owed is approximately {$2900.00}. I, have a vested interest in keeping the house, where as XXXX of the XXXX of us siblings do not. The third, my elder sister, does not seem to have a vested interest in keeping the property. I will also be consulting a housing counselor to see what can be done. I will also be writing a letter and sending it via certified mail, after obtaining assistance form a counselor. 
I do n't know if it will have this on a later step, but I do make enough money to pay easily up to {$600.00} a month on the mortgage. If there is anything else that needs to be obtained, I am free to be talked to about this matter. I do also have the FHA number that can be given at any time, if necessary.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (WA)

Equifax will not do a proper investigation. They continue to say the information was verified. Which is a lie! I have no account with this company nor have I ever signed any contract to do business with them. They have neither lent me anything nor have they provided services to me for which I requested. They are under an order to Cease and Desist and accordingly, this must be removed from my credit report immediately.