davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lenderfi, Inc. (VA)

We prepaid roughly $ 3k in escrow during our home refinance experience with Lenderfi.

Several months later, we learn no payments were made to our home insurance firm, XXXX XXXX and we received a threat of cancellation notice in the mail from insurer. We called Lenderfi, were told they had computer issues that had complicated payment and they had been resolved on XXXX XXXX during my phone call with customer service. 

A week later, our insurer told us that never happened, they still hadn't been paid. I called Lenderfi again on XX/XX/XXXX and was told they weren't able to make an escrow payment as someone had failed to input our insurance information into their computer system although we had been making and they had been keeping escrow payments. We were told this was elevated to manager level and would be handled within 48 hours. 

Today, XXXX XXXX, our insurer told us they still hadn't gotten anything from Lenderfi. I again called Lenderfi and again they said nothing had been done yet and asked us if we could front them the $ to avoid the cancellation notice and they would " pay us back. '' Three days before XXXX. As I sat in a parking lot with a XXXX year old and was bounced between one customer care person to another.
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NC)

I applied for a rate/term refinance on my second home at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The XXXX is less than 50 %, my XXXX is over XXXX and my income is more than adequate to qualify. I was promised a 30 year fixed rate of 2.50 % with no closing costs or prepaid costs. I made application on XX/XX/XXXX. XXXX of the forms I signed was a lock-in agreement where I agreed to float the rate. I told the MLO I did not wish to float, but he said not to worry. On XX/XX/XXXX he verified that I was locked in per the email included. I also told him to lock my home at XXXX XXXX XXXX, XXXX, NC XXXX. Since that time he has been extremely difficult to reach via phone or email. Suddenly I get an email from him on XX/XX/XXXX saying the XXXX XXXX XXXX was never locked and he has no recollection of my request for the loan and identical lock on XXXX XXXX. I respond on XX/XX/XXXX, that he is in error and that I would be forced to contact the CFPB for help. On XX/XX/XXXX, I receive an Adverse Action with denial based on lack of documentation. I had previously delivered all requested documentation to him and had asked him what else he needed. He said we were fine. Whatever is going on here is not right. Please help me. Thanking you in advance. XXXX XXXX XXXX, XXXX.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/2020 did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2015-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (GA)

I have a XXXX Debt that is not mine i had to file an identity Theft claim with all Credit Bureaus and the IRS. I do n't understand especially when i have a XXXX account in good standing right now. Before this i had XXXX XXXX XXXX and i had paid that off already. I would like to dispute this Debt and have it removed from my credit report.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had bought a XXXX XXXX XXXX on XX/XX/XXXX {$24000.00}. 
Balance owed time of repo {$10000.00}. XX/XX/XXXX They sold the vehicle on XX/XX/XXXX {$12000.00}. 
A collection agency contacted me and said I owed them money. {$10000.00}. And shared with me that it was sold. I explained to them I dont owe Capital One Auto Any money if anything they owe me {$1800.00}. Plus my antenna and the mats. 
I had offered to pay them and they refused my offer. It was less than the original agreement but I still offered. I do need help with this matter. Even if it is taken off my credit report. 
It has been charged off so they actually have got paid twice for this vehicle.
Consumer complaint received 2016-07-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I had XXXX in Fraud so I closed my XXXX XXXX XXXX Account and they did n't close it and put the new Account in the Robbers name sending the robbers XXXX ATM Cards stole XXXX from me the bank and Judge say its impossible two comprehend. 

XXXX Bank denied me a new Account because i did not have a id card i purchased and opened a XXXX Account With XXXX and XXXX XXXX i ca n't get Verified two get a master card i need two travel. So i sent XXXX XXXX dollars two open new account and copy of ID and they respond already canceled then chat said apply agin then Chat say call them I do n't have a Phone I 'm XXXX. 

At Wells Fargo i always pay my Credit Card with Cash and i walked in and paid XXXX dollars and asked if i had Auto Pay and they said yes and i did not because it showed a closed account. 
I filed a fraud report that the bank teller robed me telling me i had Auto Pay and then Every Time i walk into the Bank a manager has two verify me so Every time i go into Wells Fargo the manager comes and Verify Me. 
Fore 3 months i ca n't get Verified with Pay Pall i have tried many times. 

A bank worker can send themselves all my Money then there lawyers only say its Impossible two Comprehend then almost no other bank will give me a new card
Consumer complaint received 2016-11-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I tried to open a checking 's account with XXXX Bank, and US Bank in XXXX XXXX, and I was denied a checking 's account with XXXX banks because XXXX is reporting innacurate information to the banks stated above, intervening with my future banking. This matter was cleared in XXXX, should n't be reporting innacurate information to banks under any circumstances. Please clear this matter at your earliest convenience. I have already provided XXXX with a police report from XXXX Police Department regarding this matter.
Consumer complaint received 2016-06-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Integrity Asset Partners, Ltd. (FL)

i was issued a student loan, wrongfully fired, have a child on the way, the company involved stopped paying the loan, it defaulted, was given to Integrity Asset who has called constantly and made threats in my voice mail as far as suing and garnishment of wages
Consumer complaint received 2016-06-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (MN)

I have an account with TCF.I had about XXXX items hit ( all under {$25.00} ) and they were deducted from my available yet still in pending.This brought my balance down to {$90.00}. A check hit for {$120.00} causing me to over draft.At this point I knew I would have one fee as I was unaware my daughters daycare was taking that out, but that was ok.The next day I received my daily email from TCF stating they were assessing my XXXX overdrafts as they sat on those other charges for 5 days! Even though they deducted them from my balance they added them back, then added the overdrafts THEN an the charges. These had already been deducted form my balance at this point.So they went back to assign me fees.I have never seen anything like this in my life and it seems very unethical.After that they went on to charge me XXXX more!
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

It was a FHA mortgage that was in CARES Act forbearance and was repeatedly assured that no negative reporting would occur. The house was sold and paid in full then after XXXX XXXX reporting 90 days late and my credit score was greatly affected.
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (NC)

RoundPoint Mortgage Servicing has repeated " lost '' my home owners insurance policy each year. Each year I resolve this only to have it happen again. This has gone on for 3 years. They are employed by XXXX whom is known for taking on " high risk loans. '' RoundPoint is renown for missing payments, losing payments, losing escrow or insurance payments etc. It seems this would be an excellent way of XXXX companies working together to make predatory investments. By missing payments, losing payments, etc the homeowner would be forced into penalties and payments that they may not be able to make. In my case they clearly laid out their intentions by threatening to move my insurance to a company of their choosing at whatever rate it happened to be after RoundPoint deliberately lost my insurance policy for a 3rd year in a row. A policy that has been with the same company for 6 years and was able to be renewed for the 3 years with the prior loan servicer without any issues or intervention on my part.
Consumer complaint received 2016-04-02
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP (AZ)

XXXX US Bank {$200.00} gift card bought XXXX/XXXX/16 and opened to use on XXXX/XXXX/16 but both cards had been fraudulently used prior on same day, XXXX/XXXX/16 at XXXX 's in store and Pajama-gram. Card numbers stolen and applied to new fraudulent cards and total amt drained off cards. I am now out {$400.00}
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (LA)

I have submitted a dispute via certified mail with Equifax in regards to the improper reporting of the payment history, as well as, account balance which is being reported by XXXX XXXX. The original dispute date was XXXX XXXX, 2016. Along with contacting Equifax I 've also contacted XXXX and Experian as well and have received the same reply that the Furnisher, XXXX XXXX, is verifying that the information is correct when in face my dispute stated that I was requesting verification because I have proof of payments that was not reported as well as deferred payments that was also not reported. I am very upset that these credit bureaus are not thoroughly investigating consumers accounts such as mine. According to the Fair Credit Reporting Act the Furnisher has 30-45 days to complete a thorough investigation resulting in correction or deletion of the account and or information in order to not violate the consumer and at this point after unsuccessful attempts I, the consumer, rights are definitely being violated.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have tried to dispute this bankruptcy discharge on my credit because this is not mine because the address on the pacer website says it was sent to an address in north carolina and i never lived out there so i am asking for the credit bureau to get rid of this negative reporting on my credit report
Consumer complaint received 2016-11-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

On my XXXX mortgage payment to Carrington mortgage services I made a paper check payment in the amount of {$470.00}, which was the full amount due. When I looked at my bank statement I saw the mortgage company withdrew {$1100.00} which was {$700.00} more than I wrote the check for. The mortgage company has refused to refund me the {$700.00} they took from my account without permission and they t have told me every week for 4 weeks that the money is in my account. I have sent them my bank statements showing the money is not in my account and have contacted my credit union to make sure there have been no attempts to put money into my account. The mortgage company is now telling me I am not eligible for a refund and they have n't even applied the {$700.00} to my mortgage account, so it appears they hare just keeping my money. Now any attempts I make to discuss this matter with them over the phone I am put on hold fro 20-30- minutes until I hang up from frustration. This has been a huge financial distress for me and my family as this was an entire week paycheck and has made it difficult to pay my normal bills and buy groceries and gas for the entire month of XXXX because of these missing funds. I made my XXXX payment as requested so obviously the {$700.00} was not applied to my mortgage account.
Consumer complaint received 2016-06-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (OH)

My mortgage ( specifically a Home Equity Line of Credit ) payment amount was {$1300.00}, and its bieng changed to {$770.00}. The process is a " PNC Loan Modification ''. PNC has a 3 month " trial '' period for this program. If all XXXX payments are made, the loan amount becomes permanent. 
The problem is that even though they approved my loan modification, and I am making my payments on time ( I gave them XXXX check numbers so they can process XXXX every month, on the XXXX, by themselves. Insuring I wont ever be late. ), they still send me collection notices. These " notices '' say they were unable to contact me, and its very urgent they speak to me, and I am XXXX or XXXX or 90 days behind on my payment. 

When I call, as directed by the PNC letter, I am told my account is current and not to worry. PNC says these are automatic and can NOT be stopped. They tell me my account is in good standing, and ignore these letters. 
However, its been a month, and I got another XXXX. I called ..again ... .and was told the same things. 
They also are reporting me to transunion as being late. 
I feel this is just terrible and wrong of them! They tell me collections will continue during this 3 month trial because some people dont make it through the trial period. I want to know why am I being penalized because " other people '' failed this trial period? 
Because of this PNC loophole, If you pull my credit report, it showed I was 30 days, and now 60 days late, and next month there will be a 90 day XXXX. 
Nobody can see that Im " really '' not late, and im in a trial period for a modification, and Ive made XXXX of my new payments on time. All you 'll see is the late marks ... and my every lowering credit score from this. 

I do what I am told. I call, as per these letters, and Im approved for the loan amounts, yet I am being reported, my credit score lowers, and have collection letters sent to me, that even PNC tells me to ignore. Does this seem fair? 

Can anything be done? This just seems wrong to me. I should n't be penalized for doing what I am supposed to do, should I? Why cant PNC stop the collections, even if just for these " 3 month trial periods ''? Cant they give me the benefit of doubt that I will continue to make the payments, which I have been making so far? 

When I try to find someone at PNC to ask if they can stop the reporting, I get the run around. Collections dept transfers me to the supervisor, who transfers me to something called " c cat '' dept, who tells me I have the wrong dept, and I need to speak with collections. Enough to drive even the most patient person to insanity!! 

Nobody at PNC seems to be capable of helping in an way. They brush me off, and transfer me around to someone else
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

WAS CONTACTED BY CHASE BANK FOR A POSSIBLE FRAUDULENT CHARGE ON MY CREDIT CARD THEY HAD ALL MY INFORMATION ALREADY I TOLD THEM I DID NOT MAKE THE CHARGES THAT THEY WERE TALKING ABOUT SO THEY CANCELLED CARD ISSUED ME A NEW CARD THAT SAME DAY SOMEONE WENT INTO MY BUSINESS CHECKING ACCOUNT TOOK XXXX $ AND PAID DOWN ON A CREDIT CARD THAT HAD NO BALANCE NOW I HAVE XXXX CREDIT ON A CREDIT CARD LATER THAT DAY SOMEONE CHARGED THE CARD FOR APPROX XXXX INCLUDING FEES. I IMMEDIATELY CALLED AND REPORTED THIS AND AFTER A FEW DAYS THEY DENIED MY CLAIM.THIS ALL STARTED XX/XX/2020 THEY SENT ME A DENIAL LETTER WITH A XXXX XXXX AS CONTACT PERSON. I REPEATEDLY CALLED THE CONTACT # XXXX LEFT MESSAGES TWICE A WEEK FOR MONTHS NO RESPONSE. NOW FORWARD TOXX/XX/XXXX ANOTHER CHASE PHONE CALL BECAUSE THEY ARE TRYING TO VERIFY CHARGES ON MY ACCOUNT. I TOLD THEM I DID NOT MAKE THOSE CHARGES AGAIN CANCELED CARD AND MADE REPORT. ACCOUNT THEN GETS A CHARGE FOR XXXX. BOTH THESE CHARGES I DID NOT MAKE AND WERE REPORTED TO BANK ALMOST IMMEDIATELY TO NO AVAIL. I BELIEVE THE BANK HAS AN INTERNAL ISSUE SOMEONE IN THEIR COMPANY IS CREATING THESE SITUATIONS THEY JUST HAD TO MUCH OF MY INFORMATION. THESE CHARGES BOTH ORIGINATED IN XXXX AND THE PERSON [ S ] HAD XXXX ACCENTS.I HAVE TALKED TO MANY BANK EMPLOYEES AND THEY EVEN AGREE WITH ME THAT THIS IS FRAUD BUT YET THE BANK DENIES.I ALSO BELIEVE THAT THE BANK DIDNT GO FAR ENOUGH TO SOLVE MY ISSUE.IF IT WASNT FRAUD THEY SHOULD HAVE PERSUED JUST CANCELLING THE TRANSACTIONS. I ALSO SENT IN A WRITTEN COMPLAINT IN XXXX NO RESPONSE.THE BANK DIDNT HELP ME I DID NOT MAKE THOSE CHARGES REPORTED THEM RIGHT AWAY AND STILL THEY DENIED THE PROBLEM
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Messerli & Kramer P.A. (MN)

RE : Illegal Credit Practice Complaint Name of XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX Case Number : # XXXX Tell # XXXX To Whom It May Concern : The original contract of the amount of finance with XXXX XXXX was {$3300.00}, with a down payment of {$500.00}, cash, and {$1000.00} with a check and a TOTAL OF XXXX. Please see attached. 

Payments were made with XXXX XXXX 's personal checks from XXXX XXXX personal checking account. The remaining balance should be {$3300.00}, with 42 months of free Financing to pay without interest, because its against my religious obligations. They agreed with me and my monthly payment was {$80.00} per month for 42months, I paid 2 years, and then the county get a recession, and XXXX XXXX and XXXX break up the contract agreement, I still was paying until XXXX asks me to pay back all the interest for the last two years, which I refused to do so, I contacted XXXX XXXX XXXX and their documentation does not go back 10 years to provide canceled checks. See attached letter from XXXX XXXX. 

XXXX and XXXX XXXX are no longer one company and XXXX has debt collection garnishing funds at the full price of the original purchase contract from the co-signer XXXX XXXX. 

Last year they garnished approximately {$4000.00} from XXXX XXXX, and we had to go to court and overturn the action this has now happened again recently, and again, they took XXXX, out of his account, and they are going after his job to collect his wage but he doesnt have a job now. 

How can we correct this error and stop this from happening repeatedly? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-08
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. (PA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX PI XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX I XXXX Balance : {$1600.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$3000.00} XXXX XXXX I XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Homestead Title Abstract Agency Inc. (NJ)

In XXXX XXXX we received an email with personal information making us believe it was XXXX XXXX XXXX with wire instructions to complete the closing cost via wire transfer. When calling XXXX XXXX XXXX to verify the amount and confirm wiring information, I was told the amount again with no reason to believe this was not the true wire instructions. At the title company, XXXX confirmed the wire stating they received it. After an email again was sent stating the account was closed, XXXX confirmed it was a scam and couldnt tell me if their systems were involved in a hack. Within the hour, we notified XXXX XXXX to recall the wire and nobody at the local branch was able to do it. Wasting precious time to initiate the kill chain. I contacted the FBI and they froze the money but XXXX XXXX has not been for coming or helpful and states the money has been lost even with multiple red flags on the account the money was wired to.
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I requested credit verification for the negative account on my credit but they send seemly did nothing to remove the wrongful account on my report. I disputed them through XXXX XXXX, and XXXX XXXX and they still failed to remove them. Some of which are even over 5 years. Please help. 
XXXX XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).