davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IA)

I had an existing loan with One Main Financial and decided to refinance the loan. I went in to the office on XX/XX/2019 to sign the final paperwork and during that time, XXXX ( my loan officer ) mentioned to me that I would have a refund coming to me for the unused portion of my insurance that had been paid on my previous loan and that I would be receiving that in the mail. I did not receive the check in the mail so I called XXXX on XX/XX/XXXX to see if he could call the insurance company. I was worried that maybe it had been lost or stolen. He said he would call me back. He never did so the following Tuesday I called and the manager answered and said XXXX was busy. I explained what had happened and he seemed very aware of the conversation I had with XXXX. He told me things had changed and they were no longer refunding the money. I told him that was not what XXXX had said to me and the papers I had signed did not reflect this. He said he was going to check into this and call me back and never did. On XX/XX/XXXX I sent an email to " One Main Support '' and received a reply the next day which said " Your message has been forwarded to our Executive Office of Customer Care ''. I don't understand why it is so difficult to get an answer from this company. Also, if I am not entitled to this refund why did XXXX tell me I would be receiving it? And I would like them to come up with a document ( with my signature ) saying that I am not entitled to the money. I don't think that is asking too much.
Consumer complaint received 2019-04-09
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: EQUIFAX, INC. (CT)

In XX/XX/XXXX I applied for a loan for my vehicle. They filed it incorrectly with multiple agencies, and it is coded wrong. So instead of it being 1 hard inquiry in the 30 day grace period for an auto loan, I have 5 hard inquiries. 

" Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Coded as a Personal/Financial loan XXXX XXXX Inquiry from XX/XX/XXXX Coded as a Bank loan XXXX  XXXX, XXXX Inquiry from XX/XX/XXXX Coded as a Travel/Entertainment loan I have contacted each Institution and they told me I needed to contact the Dealership that applied for my loan. 

I contacted XXXX XXXX at XXXX, XXXX XXXX, XXXX, CT XXXX multiple times over the past 2 years, all of my messages were unreturned. Then in XX/XX/XXXX I had someone get back to me and they told me it wasnt their problem that it was coded wrong and I needed to contact the institutions. I did and the institustions said the same thing they had in the past, that I needed to contact the dealership. Then the dealership said I needed to contact XXXX XXXX. I have already contacted the 3 major credit agencies and nothing has been resolved.
Consumer complaint received 2019-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2019 Bank of America Cash Resards Visa Signature-XXXX Balance:XXXX XX/XX/2019 Bank of America Cash Rewars Visa Platinum Plus-XXXX Balance:XXXX I went to the Bank of America business hall and talked to the customer service manager. I called the service staff of the Bank of America security department to ask why closed my two credit card accounts and told them that the reports of the credit companies they had received were incorrect. My XXXX XXXX credit card has been stolen and has been disputed with credit companies and banks. The debt does not belong to me. 
1Amount of arrears to hight 2 : Automatic Payment and Refund 3Excessive debt arrears For these Three reasons, I refused to open my credit card account again. 
I paid off my debts on time. I was the deputy general manager of a high-end restaurant. I paid in full cash to buy a house worth XXXX XXXX.My house has a net worth of {$XXXX} XXXX  and a total of {$8000.00} in arrears. 

It's hard for me to understand the wrong judgment of Bank of America, the lack of correct verification information and the closure of my credit card account.
Consumer complaint received 2019-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo seems to be not learning from it's past mistakes. It's very old fashioned, inefficient, non customer friendly mortgage bank with buggy IT systems and very useless employees ( very low hiring standards as they try to hire via XXXX XXXX and have no transparency in terms of hiring local US Workers but just want to hire cheap XXXX XXXX workers ). 

Current issue : 1. I wanted to pay off $ XXXX towards my principal to do the recast. 
2. I changed the mind and switched the dated from XXXX to XXXX and then to XXXX XX/XX/2019. 
3. Later i finalized to make the payment on XXXX XX/XX/2019. 
4. Come to know that i can't as system doesn't allow, why? 
5. Called the customer service. I was told that the previous deleted transactions are not deleted and thus it won't allow me to pay on XXXX XX/XX/2019 so i can only pay on XXXX OR XXXX XX/XX/2019? What???? 
6. Who architected, designed and implemented this useless system. Why it impacts me-my recast money should be in my mortgage account before XXXX of the month otherwise my recast will be delayed by 1 full month. It's a big deal for me. She could do anything in this case. 
7. ask me to try again tomorrow ( Sat on XXXX XX/XX/2019 ). As if i have no other work and when they have limited customer service hours.
Consumer complaint received 2019-03-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (VA)

I applied for a mortgage loan refinance with Quicken Loans. I was preliminarily approved, received a rate lock and paid a {$500.00} fee for the appraisal, based upon Quicken Loans saying that the appraisal fee had to be paid to confirm the rate lock. A day later, feeling like I was pressured unnecessarily to pay the {$500.00} appraisal fee, I applied to another lender who provided a preliminary approval at a significantly lower rate and closing costs. I contacted Quicken Loans and requested to withdraw my application with them and for a refund of the appraisal fee, which was never performed.

Since then I have not received a confirmation from Quicken Loans that my loan application with them has been withdrawn and they have not refunded the {$500.00} appraisal fee I paid even though the appraisal was neither scheduled or performed.

I received a better deal from another mortgage lender but Quicken Loans is not cooperating in my request to withdraw my loan application and to refund the fee I paid for a service that was not performed.
Consumer complaint received 2019-04-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc. (IN)

I have made several attempts since XX/XX/XXXX to cancel my membership due to a XXXX illness. I have sent them all of the information they requested to get this done under these special circumstances and they ignored me, the Indiana Attorney General ( for 2 months ), and refuses to give me something in writing stating that my account has been closed. I asked them to call the collections agency they hired so that the inaccurate reporting can be removed and they said that " it's nothing they can do ''. I asked to speak with XXXX but he seems to be a ghost and is never available to speak to anyone, according to the manager XXXX. FIrst she tells me that " Ppl normally pay {$50.00} to get out of collections but you situation is totally different so you don't have to worry about that. '' She told me this on XX/XX/XXXX. Today, XX/XX/XXXX, she says that I do have to pay the {$50.00} since I told them not to charge my account instead of having it frozen..
Consumer complaint received 2019-04-06
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: CITIBANK, N.A. (ND)

On XX/XX/XXXX I became aware of a fraudulent inquiry on my credit report from XXXX. The company have wrote me informing me that they would remove the inquiry and they even informed me that the credit card application was not in my name. XXXX  was also notify about this and I have file several disputes through them about this inquiry. They have a copy of the letter that XXXX sent me and even sent me a letter saying that the inquiry would be removed. It is now XXXX and I am frustrated with these companies. I did not apply for any credit card through XXXX and this company is aware of this and said would fix this problem and no one has fixed this problem
Consumer complaint received 2019-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA (NJ)

I got a Loan from Marcus Goldman Sachs. The agreement was I would receive a statement every month and mail in my payment with a check. The payment is due on the XX/XX/XXXX of every month. It is now the XX/XX/XXXX and still have not received a statement in the mail.I called them and brought thin to their attention I have an Option how to pay this bill. They are trying to take one of the three options I have away from me.I still want the option to pay by mail. Do not want to get charged a late fee or interest because they did not receive the payment by the XX/XX/XXXX day of the month because I did not receve my statement on time. They told me they mailed out the statement on the XX/XX/XXXX. 
They also said I can pay by phone or online! It seams to me they are deliberately trying to get me to pay by phone or online so to save on paper work and collect a little bit more interest if they get my payment late.
Consumer complaint received 2019-03-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion along with the other two reporting agency are using predatory practices on my credit reporting, two times this week i have been denied credit once on my home insurance and the other trying to refinance my home, i have always paid everything on time never been bankrupt and have plenty of equity to qualified and an annual salary over {$100000.00}, i also been a victim of credit fraud reported by all 3, apparently this reporting agencies do not care about the well bean of the citizens of this country I'm XXXX years old work all my life, serve in the XXXX XXXX XXXX paid my taxes but apparently there is something wrong with the system, just because a few points on my credit score i can't qualify for anything all 3 reporting agencies have 3 different numbers, please somebody help me in how can i deal with this predators.
Consumer complaint received 2019-04-08
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: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : CARRINGTON MORTGAGE SERVICES, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : 11, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX.
Consumer complaint received 2019-04-09
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. (MO)

I have repeatedly tried to dispute these accounts and when asked the credit reporting agencies to produce the Method Of Verification to support their findings, I never recieved any sort of physical documentation from either the credit reporting agencies inwhom is reporting these unauthorized accounts, nor the creditors themselves. I'm now demanding that these accounts be deleted immediately. ( 1 ) XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$760.00}, {$510.00}, {$53.00}, ( 3 ) XXXX XXXX XXXX XXXX {$760.00}, {$53.00}, please remove these accounts immediately.
Consumer complaint received 2019-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

I contacted Wells Fargo Bank on approximately XX/XX/2018 regarding the poor quality service from XXXX XXXX cellular telephone company that I paid {$150.00} for using my Wells Fargo card on XX/XX/2108. Wells Fargo erroneously characterized my dispute as an unauthorized charge as opposed to poor quality of service received. On XX/XX/2108, Wells Fargo send me a letter stating that my dispute was closed in XXXX XXXX 's favor because the charge was authorized and XXXX XXXX had presented documentation of my usage of the service. I subsequently contacted Wells Fargo to complain that the dispute was mischaracterized and that I did indeed authorize the transaction but the service was unusable and not as promised. Wells Fargo refused to reopen the dispute or otherwise offer relief. I am initiating this complaint against Wells Fargo Bank to obtain a full refund of the {$150.00} that I paid, and for the mishandling of my timely dispute of the charge on my Wells Fargo account. I am attaching documentation showing the XX/XX/2018 dispute, XX/XX/2018 dispute denial letter, and four pages of XXXX XXXX  community blog posts showing that the service issues I was experiencing were severe, repeated, and rampant with other XXXX XXXX customers at the time I experienced them, and that XXXX XXXX   executive management were aware of the problems.
Consumer complaint received 2019-04-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (MS)

This was a payday loan from XXXX XXXX and the original amount that I borrowed was for {$400.00}. I was unable to pay the loan off because I lost my job. XXXX XXXX sent this debt collection to AD Astra Recovery Service, Inc. I have sent a debt validation letter to them on XX/XX/2019 to provide proof that I owe {$900.00}. As of today, they have not responded to my request. This is a violation of the Fair Debt Collection Practices Act ( FCDPA ). Also, we have payday loan laws in Mississippi and Alabama and AD Astra Recovery Service , Inc. is charging illegal collection and interest charges on this alleged debt. When I spoke to a CSR on the phone about this alleged debt and curse me and hung up the phone on me.
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ND)

We are asking you to investigate the impact that that our XXXX XXXX XXXXXXXX Home Equity  line of credit has had on our credit. 

We were struggling with payments beginning in XXXX on our HELOC, and in early XXXX learned we may be eligible for a modification. We wanted to ensure we were taking care of the situation so we began to seek out resolution. 

Timeline Mid XXXX -- reached out to begin finding out if we could get a trial modification. Took quite a while to finally get to a point where they would talk to us about a trial modification. 
XX/XX/XXXX approved to start trial modification XXXX completed the three trial modification payments ( proof in bank statements provided ) XX/XX/XXXX finally get a letter after persistent questions of status and decision that our modification is approved. We returned the final modification paperwork, never got anything back. 
XX/XX/XXXX get a letter saying our modification was denied. 
XX/XX/XXXX get a letter saying its now approved, see no evidence of this in our monthly payment ; still shows massive snowball amount. 
XX/XX/XXXX get a new letter saying we successfully completed trial modification and to sign and return the modification agreement, which we did. 
XXXX still seeing no evidence they had modified the loan, unsuccessful in getting answers. Finally hear from someone that they had sent more paperwork, and they had sent it to the wrong address. We were temporarily living in XXXX for 8 months. We had updated our mailing address to our temporary address in XXXX, and we were receiving billing from them at that address but they mailed new loan modification paperwork ( 3rd time around I think? ) to our home property address, which we did not receive as it was not forwarded by our renters. 

XXXXwe send a fax to XXXX appeals intake, requesting them to send the paperwork yet again, they never did. 

XXXXthey transfer the loan to real-time resolutions and we have such a horrendous impact on our credit its almost worse than bankruptcy. 

This account should have been modified and would not have been needed to be transferred off to XXXX XXXX 


It was like getting stuck in a loop. We would provide and sign whatever next paperwork or evidence they requested, and then we would get something else that they said they needed. It took so much energy, they seemed determined to bury us in paperwork and confusion rather than give us the modification. I gave up. 

Included for consideration is the various documents from XXXX XXXXXXXX XXXX indicating we had successfully completed modification, as well as correspondence that demonstrates the diligence with which we tried to resolve the matter. 
Included : All the documentation that our loan was modified from XXXX XXXX XXXX. 
Copies of correspondence showing the diligence in which we attempted to resolve this account. 
Proof of the payments to fulfill the trial modification period through our bank statements.
Consumer complaint received 2019-04-08
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: Resurgent Capital Services L.P. (NY)

THESE ARE THE ACCOUNTS ACCOUNTS 1 ) XXXX XXXX XXXX -AMOUNT {$810.00} 2 )  XXXX XXXX - XX/XX/XXXX -AMOUNT {$250.00} 3 ) XXXX XXXX -DATE XX/XX/XXXX -AMOUNT {$650.00} 4 )  XXXX -DATE XX/XX/XXXX -AMOUNT {$260.00}
Consumer complaint received 2019-03-16
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 — Problem with personal statement of dispute
Company: U.S. BANCORP (CO)

I went into us bank to get personal loan I was approved instantly I was also approved for 0 intrest card with a XXXX dollar limit I was unsure about getting new card with high limit due to fraud he suggested I get a smaller amount of maybe XXXX dollars I said fine not realizing my XXXX credit score was about to become XXXX within a few months I called to get higher limit on card and was denied due to having more than 30 % of limit on card if I would have known I would of just takin the XXXX. A few weeks ago I descoverd fraud on card my bank removed charged a cupple dAys later I noticed money gone from account and it over drafted XXXX been w them almost 9 years totally shocked
Consumer complaint received 2019-04-08
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. (AZ)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXXXXXX U S DEPT OF EDXXXX XXXX
Consumer complaint received 2019-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TCF NATIONAL BANK (NV)

I have been denied using the online payment services because I put in accidentally the wrong account number because I have problems with my vision. Both times I had to call them to ask why my can payment was still on my account. Them once time I was late because of medical problem was to sick to get out to send my payment ... It got to a total of {$520.00} before I was able to pay it ... 
I have to go through XXXX to pay my car payment which cost me an additional {$11.00}. 
I am elderly and sick which I informed them ... My loan is for 36 months and it expires in XX/XX/2019..
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OR)

Purchased a package for XXXX XXXX and XXXX XXXX. The company was horrible and don't even have a business location in the US. They offer a 100 % guarantee and when I asked for it they said they would give me it but months later they still wont. I submitted a dispute and was told it was denied because I got the service I paid for. When I called to see why they said it was filed erroneously amd should have been filed as a 100 % guarantee failure to pay. I resubmitted it and then they denied it again saying it was too long to dispute.