davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-06
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (NV)

I am in the market to refinance my currant mortgage held by XXXX XXXX XXXX XXXX in Nevada. I went on line and found a company called LoanDepot. I spoke to XXXX XXXX on XXXX/XXXX/2016 who took {$10.00} and we talked about possible loans available for my situation. That situation is simply we have a 5.6 % mortgage loan and now that home values are coming back up I wanted to refinance for a lesser rate, no cash out nothing, just refinance. As a XXXX Veteran he said I could qualify for a VA loan. I explained I had done that twice and he said you can do it again. If the loan was assumed and not paid it would be on m Credit Bureau. Okay. So he gave me a rate of 3.625 % and told me he 's been doing this for 9 years, he 's a great person etc. He said he would send documents email later that day and call me in the evening and go over everything because logging in can be a little tricky. then they would get a VA appraisal for {$200.00}. No call, nothing. LoanDepot never called back. On top of that XXXX showed that LoanDeport through XXXX inquired XXXX/XXXX/2016 on my credit report twice and really kicked my credit score. Then I get a call from their customer service (? ) wanting to know how things were going. When I told them what happen they were like, oh, asked who my loan officer was and hung up. You need to look into this company. Something is very wrong with what they are doing.
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been unable to reach Trans Union to cancel my membership. They keep charging me {$17.00} a month because they do n't offer an option to cancel auto-pay, but you ca n't reach anyone by phone. 
The website provides only a toll free number to call, but you never get a live person. I have called the number posted on their website ( XXXX ) four times.The hold times ranged from 18 minutes to 43 minutes but I could never reach a representative. The " Click here to cancel '' link is broken, and they do n't provide a chat or email option. 
This seems like deceptive business practices.
Consumer complaint received 2015-10-24
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I 've had this account since 2011. Not one time has a payment I 've made ever been returned back to capital one. The last two times in a row now that I 've made a payment, capital one has placed a hold on that payment, effectively freezing a large portion of my money. It has left my bank account, yet held by capital one and I am not allowed access to that payment. Each time I have to make a phone call and go through a lengthy process to release my payment. This second time, I was transferred to a supervisor and actually told my payment was being held because I pay my debts more than once per billing cycle. Seriously, I am being penalized because I actually pay off my balance more than once per month? Each time I have called, they have released my payment and then had the nerve to spin the conversation as if somehow they 're doing me a favor. If my payments can be released with a phone call, then why are they being frozen in the first place?
Consumer complaint received 2016-11-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

This is a fraudulent account. This needs thorough investigation and the assailants convicted. I need this inaccuracy removed immediately. Multiple 'Demand for Verification docs as well as direct Credit agencyy contact has been to no avail and the Sheriff 's Dept can not do anything about it. TransUnion is a laughing joke of white privielge that never fixes their f ups either.
Consumer complaint received 2016-03-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Clear Debt Solutions, LLC (MA)

Received repeated calls and voice mails from XXXX about an alleged debt of a XXXX year old relative who lives in another state and who is not my financial responsibility and who has never been my financial responsibility. Nor have I ever co-signed for any of her debts. When I called back to tell the company to stop calling me they said they were " not customer service '' - suggesting that they did not have to deal with irate callers and could use whatever tactics they chose to collect debts.
Consumer complaint received 2016-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Glass Mountain Capital, LLC (TX)

The rep calls and asks for me by first name, i ask who they are and they give their name and again ask for me, i ask again who they are with, and they refuse to identify themselves. The times they do identify themselves as glass mountain capital, it is after multiple attempts to ask them to identify themselves. This has happened everyday for at least three weeks.
Consumer complaint received 2015-07-01
Product: Other financial service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (OH)

I purchased a money order from XXXX on XXXX XXXX 2015. When I got home I mobile deposited the money order from my phone. When I did so the bank gave me a message reading, " the funds will be put on hold for 5 days '' well I could not wait 5 days so I took the money order back to the store I purchased it from and got my my money back. I knew that the bank was going to charge me for that but after the 5 days they did not charge me. A week or so later I got a letter in the mail from XXXX stating " I cashed a check at XXXX and the check was stamped altered and fictitious '' I called XXXX and talked to XXXX XXXX and she stated I cashed a fictitious check mat XXXX and I need to bring them XXXX. I told XXXX XXXX I never cashed a check there but I bought a money order there, brought it back and cashed it cause I bought it from shop and go. She insisted I cashed a bad check. I told her a check and a money order is XXXX different tools and I gave you the money to get the money order and came back and got my money back so the store did not loose out on Money they never had. The conversation got heated and XXXX XXXX called XXXX XXXX XXXX told him I passed a bad check and I got a call from detective XXXX stating I need to pay XXXX XXXX dollars or I 'm going to get arrested and charged with passing fictitious check. I told XXXX that I did n't cash a check I cashed a money order that I bought with my money how is that a check and how is a money order I purchased with my money that I took back to the same store I purchased it from and got my money back XXXX stated " cause western union took the money out of XXXX account and would not pay them '' I said pay them for what that was a money order not a check. I ended up taking XXXX dollars more of my money to pay XXXX and I had to call western union money order to get my funds back from them. I sent certified receipt money request for to western union money order to get my money back on XXXX XXXX and someone from Western union signed for the mail on XXXX XXXX. When I called western union they stated they do n't have the forms I said someone signed for it on the XXXX. The lady XXXX at Western union told me to fax to her and I said I do n't know what is going on but you all have the paper work and I should n't have to be resending anything you already have it. To make a long story short the money order had a stop payment on it and I did n't put it there and they did n't pay XXXX I did so now I need my XXXX dollars from Western union and they giving me the run around.
Consumer complaint received 2016-06-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NM)

My loan servicer ( Bayview Loan Servicing , LLC ) is denying me relocation assistance on the grounds that I moved out of the property prior to close of escrow of a successful Shortsale.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NY)

The dispute could not be filed because I could not verify mortgage, auto loan, and store credit cards I never applied for and know nothing about. The dispute is an Equifax report showing an open XXXX wireless account in XXXX XXXX years ago when I 've lived in XXXX all my life and at the current address for XXXX years. If contacted I 'm sure I can prove my place of residence by paystubs, unemplyment records and public assistance records in XXXX. This is plainly identity theft.
Consumer complaint received 2016-10-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (UT)

Since our Chapter XXXX Bankruptcy discharge in XXXX of XXXX, communication with Seterus has become very difficult and questionable. Today we talked with a certified HUD counselor who informed us of this option of filing a complaint. We also discovered today as we reviewed our case, that the loan modification finalized in XXXX of XXXX was not recorded with the XXXX Office until XXXX of XXXX. Other issues : we have n't received monthly mortgage statements ; sent into foreclosure without a notice of default being filed. Differences in amounts owed versus recorded amounts paid. Non receipt of payments following bankruptcy ; we sent payments in to reinstate the loan, only to find out later that payments needed to be certified funds ( re-instatement letters indentifying this requirement received after funds were sent in ) ; Seterus unwilling to certify funds received by calling banks ; receiving different information with each phone call, sometimes within hours of each other ; an overall lack of willingness to assist in resolving our circumstance by hiding behind, unreasonable company policies and guidelines.
Consumer complaint received 2015-10-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (IL)

I was working with a law firm for a modification on my home. This started XX/XX/2015.my trial period was XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which the payments were made. I was supposed to receive my finalized paperwork which I have not received. XX/XX/XXXX I noticed my mortgage statements were showing in arrears of {$10000.00}. I contacted the law firm and they submitted everything that was needed and this was finalized, so we thought.
Consumer complaint received 2016-05-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I have a HELOC with Wells Fargo. I 've been getting notified for about a year that they were going to increase my monthly payment and convert it to a standard second mortgage with an increased payment. I did not and do not have a problem with that. 
What they did n't notify me is that the interest rate was being raised from 4.24 % to 6.88 %. With a current outstanding balance of {$190000.00}, this is an interest increase of over {$5000.00} per year! 
I have started refinance options but if not successful or if any delay, I 'm paying over {$400.00} per month in interest! 
I had no need to refinance to avoid paying the loan off faster. I certainly had a reason to refinance to keep the interest rate level!
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (CA)

I filed Ch XXXX bankruptcy and was discharged with no distributions in XXXX XXXX. XXXX XXXX had a XXXX lien for a water softener and was included in the bankruptcy. Castle Credit was listed and notified but the continued with their automatic payments. We did not want the water softener and attempted to surrender it. In late XXXX XXXX from Castle Credit told me that I could not surrender it. They stated they were a loan company with a lien against my house and they had to be paid or I would lose my home. They refused to just take back their collateral. I was very ignorant since I filed my bankruptcy pro per and I did n't know there was a lien so I did n't do anything or investigate it. I believed they were right. They represented that like the house payment if I wanted to keep my house I had to pay off their bill. I have since learned it is not true and I do not want the water softener but they refuse to pick up the collateral and remove the lien against my house even though they were discharged in my bankruptcy. They were calling me 3 or 4 times a day at work and harassing me. I do not want the water softener. They should come pick up the collateral of the debt I discharged in Bankruptcy. They claim that I am trying to sell my house so they are refusing to cooperate and are purposely interfering with my escrow where I am trying to refinance but this lien is causing me problems. They are trying to get paid by not complying with the law. 
I sent them a letter telling them to stop calling me as I had to work but even today they keep blowing up my phone threatening me. They keep telling me they wo n't do anything because I am selling my house. I am not.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting 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. (GA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (DC)

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I had a Wells Fargo VISA Signature Card ending in XXXX. 

I received a letter from Wells Fargo on XX/XX/2016 noting that there had been some suspicious charges on my account and that if this particular account activity continued after receiving this letter, Wells Fargo noted they would close my account. 
The charges were valid charges, however, I followed the direction and did Not make Any Additional charges whatsoever After receiving the letter on XX/XX/2016. As I state, I followed the letter 's directions exactly, and did Not make Any Additional charges after being directed. 

Logging into my online account a few days afterwards, I noted that my credit card has now been closed without warning or letter from Wells Fargo. More importantly, the {$1500.00} in Wells Fargo Go Far Rewards have not posted and have been XXXX out. 

This is wrong. I received a letter from the credit card company/bank and I followed the letter 's directions and did n't make any additional charges. Additionally, for them to close my credit card account outright without notifying me first is also wrong I believe. All charges were valid. Lastly, if they so choose to close my account for whatever reason, I should be entitled to the {$1500.00} in rewards points I rightfully earned. 

Wells Fargo runs a promotion and refuses to pay out to their customers? I believe this is wrong and I am expecting to get paid out my {$1500.00} in rewards. I am hoping you can step in on my behalf. 

Wells Fargo is deceptive and wrong. They claimed they sent me a letter, which they did as stated above. They clearly told me what not to do and I followed their directions exactly. 

I am Tired of Big Banks taking advantage of us. My husband and I have a {$400000.00} mortgage with them as well. IF they seriously want to continue to harm their customers, I will be refinancing with a different institution.
Consumer complaint received 2015-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

{$13000.00} was charged to XXXX account in XXXX XXXX Since this date Wells Fargo has been unable to furnish any backup documents to support this charge. At XXXX/XXXX/XXXX, with compound monthly interest at 10.75 %, the total amount charged to XXXX account from XXXX thru XXXX is {$93000.00} which is greater than the foreclosure amount.. 
XXXX has sent dozens of qualified RESPA requests only to receive the same reply for each. " WE have received your inquiry and as soon as our research is complete you will be advised. '' This is not believable and is criminal fraud. For 13 years Wells Fargo has been sending this same reply. Recently Wells Fargo advised this charge resulted from a Loan Modification dated in XXXX XXXX. This is criminal fraud because the {$13000.00} was charged to XXXX account 20 months before XXXX XXXX. 
XXXX Loan Number with Wells Fargo is XXXX. 
XXXX Desired Resolution. 
Place Criminal Charges against Wells Fargo for {$93000.00} for attempted Larceny Force immediate return of the XXXX. 
Please advise what additional data you will need in order to enforce these charges against Well Fargo Thank you very much XXXX XXXX XXXX Phone XXXX. 
This is the Third Request sent to CFPB. I have received one reply. Advising it will take 10 months to research this problem. This is not believable because they have been researching for the the last 13 years. 









.
Consumer complaint received 2015-09-09
Product: Other financial service — Foreign currency exchange
Issue: Customer service/Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I entered a branch of Bank of America at XXXX XXXX XXXXXXXX, NY XXXX, on XXXX XXXX, 2015 to cash a XXXX denominated check ( XXXX XXXX ) in my Bank of America checking account. I filled in forms and I was told it would take XXXX weeks. It is now almost XXXX months. I have tried to inquire twice through customer service and no one even understands what I am talking about. No one from Bank of America has followed up on the issue.
Consumer complaint received 2015-08-25
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: WELLS FARGO & COMPANY (OR)

On XXXX XXXX, 2015 I have received a phone call. It was an automated call saying that I have to call back, because it is a legal matter and if I dont call back I will be penalized and sued in the court. I called back to the provided number only to find that it was a collection agency that said I have to pay them now, I checked my credit report and turns out that an old bank account had put m eon collection for {$140.00} total but the collection agency requested over one thousand dollars from me. They said that I have to pay now or go to court because they already filed a lawsuit with the court. They also suggested that if I ca n't sign for the papers today ( that same day ) I can call a number to change the delivery date. I called that number and they sent me to talk to the manager. He cursed at me, used unbelievable profanity and requested that I pay them now. I said that I dont even know who they were, what account I owed money for and that they need to send me papers to see along with advertised lawsuit that was " filed '' by the collection agency. They just hanged up on me. I called back and that same person again used profanity against me, when all I wanted to know who they were and some proof on the amount they requested. He then threatened me that he will sue me and that I will go to court.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account names shown below along with part of the account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the above accounts have violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681 C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.