davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for 3 consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. They also charged us {$30.00} for each and every time the Title Company called for a payoff balance. 8 months later we were notified that the original mortgagor XXXX filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX. We wanted a 30 day close on the property but because of the mishap with XXXX it reflects XXXX. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX while they were our XXXX.
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I called about the inquriy issue with Transunion a week ago. I have several inquiries that were added to my report because of the error that occurred with their system. I was told it did not apply to me by the customer service representative, and I was given no clear explanation of why. 
Best regards,
Consumer complaint received 2015-10-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo failed to properly credit my mortgage payments. On XX/XX/XXXX Wells Fargo Bank filed a Notice of Default for {$10000.00} which is incorrect. I contacted Wells Fargo once I received the Notice of Default and the Debt Validation at the same time and requested the date of the last mortgage payment. Wells Fargo stated that the last payment was in XX/XX/XXXX, however, it was credited for XX/XX/XXXX, because they had not received a mortgage in XX/XX/XXXX. I located the XX/XX/XXXX mortgage payment which was paid inside of Wells Fargo Branch on XX/XX/XXXX. Previous to the Notice of Default I did not receive a Notice of Intent to Foreclose from Wells Fargo, therefore I requested to see it along with the payment history. The Notice of Intent that I received was incorrect in the amount being requested, moreover, it appeared to be newly created, it was dated XX/XX/XXXX and stated the last XXXX payments had not been received? When Wells Fargo Bank had received XX/XX/XXXX payment. The payment history that I received is impossible to read even with a magnifying class.
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have asked Transunion to investigate XXXX XXXX XXXX XXXX reporting of an account on my credit report several time. This account is charged off for the past 5 years but it first delinquency date happened on XXXX/XXXX/XXXX over 7 years ago. However XXXX XXXX XXXX XXXX is reporting this credit card as been paid up until XXXX XXXX, although I became delinquent on this account as of XXXX XXXX and was never able to make a single payment ever again. I have requested payment information from XXXX XXXX credit union several time to no avail. Then I have disputed payments history accuracy with Transunion, XXXX nad XXXX and some how the payment history comes back verified. When I asked Transunion to provide me with name of the person wo is verifying this information they refused.
Consumer complaint received 2015-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I needed to change my last name and get my Deed of Trust updated. I have called this company many times and spent hours on the phone, as well as faxing and emailing supervisors from their website as well as from my email. I have sent in the same information many times. The people they have in their call centers have no idea what they are doing. Typically the wait is over XXXX minutes and you get transferred many times and hung up on. Today I received a letter stating that they received my death certificate and they send their condolences. I assure you I am not dead. I am very frustrated that I can not get this issue resolved and it has been many weeks of frustration. I need to have my deed of trust updated so that I may update my grant deed and titles for my property and property rights.
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

THIS IS AN OFFICIAL COMPLAINT THAT Select Portfolio Servicing Inc. Servicing- HAS CAUSED TO CANCELLED OUR PERSON HOME INSURANCE THAT IS NOT CONNECTED TO THE MORTGAGE. 
We receive from the Massachusetts XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX | ( XXXX ) XXXX | ( XXXX ) XXXX That Select Portfolio Servicing, Inc. |Address ; XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX # XXXX |Alleging that Stating property SOLD AT FORECLOSURE AND has cancelled my husband and my personal home insurance that has nothing to do with our mortgage. Cancellation effective date XXXX/XXXX/2016 Mortgagee or Loss Payee '' Policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MA. There is no foreclosure on our property. Even if there was Select Portfolio Service has no legal right to cancel our private homeowner insurance. Please reinstate our personal homeowners Insurance a.s.a.p. I am reporting this as a violation to our personal privacy.
Consumer complaint received 2016-12-19
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (MO)

My XXXX and I were interested in obtaining a Home Equity Line of credit to make XXXX on our home. The lender told us there would be a 'drive by ' appraisal to assess the value of our home. The XXXX called me directly and asked me how much I paid for my house. I told him, thinking this was normal for this process. He assessed the property for {$30000.00} less than what it was assessed only XXXX XXXX years ago. The lender then informed me that we would have to pay off our original loan by a certain amount ( through the use of the HELOC ) in order for us to progress. I knew enough to not move forward with this, due to the fact that it was an adjustable rate and my existing home loan has a very low APR. I just want to be sure no one else falls victim to this scenario.
Consumer complaint received 2016-09-15
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

I have a account with XXXX other pnc users but after alittle while i noticed money missing i ask the XXXX pnc users and the said money has disappeared and when we look it up online it shows where it has bin tltaken out but it doesnt show witch card number i had atleast XXXX dollars in this card and for it just to be gone and not able to do anything is outrageous can u help please and thank you.
Consumer complaint received 2017-01-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (FL)

Tried to change password on my PNC Mortgage Account. Received email saying psw was changed. Tried to access account using new password - got " SYSTEM ERROR '' message. Tired to contact PNC Mortgage using the following number : Please contact our Customer Service & Support if you need further assistance. Call Center XXXX === Called the above number and all I heard were solicitations for medical devices and XXXX offers ... Tried to " XXXX '' out, but nothing worked. I have had my mortgage with PNC for over 6 years. This is terrible customer service! This should not be allowed! 
=== Tried to reset PSW and received email PSW was changed. Tried to logon with it. Got the same error : " SYSTEM ERROR '' I understand security is important but I spent over 45 minutes trying to access my account!!! I feel PNC should compensate me for my time! 

I will be finding a new bank for my mortgage. Terrible customer service!
Consumer complaint received 2016-11-03
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: American Financial Credit Services, Inc. (IN)

I asked this company to verify that this was my debt and when the date of the debt took place and they could not verify any of these. They sent a short letter with no information asking of ways to repay this debt without verifying any of the information I had asked. Date, date of birth, copies from original debt. Then they attempted to make harassing calls towards me in the evening past XXXX stating they would have me arrested if a payment was not made. Still they could not verify any information by sending me copies
Consumer complaint received 2017-01-26
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Professional Group (MO)

I defaulted on my payday loan with XXXX. I got into a difficult financial situation and am trying to get caught up. Have spoken with reps at their collection agency APG about working out a payment plan but I do n't know yet how much I can pay until my payday the XXXX. So instead of waiting 5 days they call my work and cell multiple times a day to see if I have magically gotten money yet to pay them off. They sent a verification of employment letter to my employer today. I thought they could only do that if they have n't been in contact with me?
Consumer complaint received 2016-12-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (MO)

I have asked them several times to not call me at work and they continue to do so. I tell them i will be in on a certain day or at a certain time and they still continue to call and harrass me. They are very hateful and hard do buisness with and they do not care about there customers at all. All they care about is the money and thry are always very threatening.
Consumer complaint received 2016-05-18
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (MO)

Original debit was {$3600.00} dollars Settled and paid {$1100.00} in 2014 Net forgiven was {$1900.00} Cancellation of Debit that Security Credit Services reported to IRS in 2014 was {$5100.00} This is a difference of {$3200.00} -SCS did not send a XXXX -They refuse to send a corrected XXXX -They are claiming these are fees / interest
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

XXXX I was exiting a apartment complex XXXX XXXX. 
At the day of move out the manager did not give me anything to sign. She stated she would mail me any paper work and I thought she would refund any difference in the security deposit if they needed some repair living their 2 yrs. ( XXXX XXXX XXXX was the prop mgmt ) I left it very clean and they verbally stated it looked great. 
I had a federal suit for fraud against XXXX and XXXX for rent issues and denying reasonable accomidation. This case is filed in XXXX state. XXXX began having IQ DATA International phone and harass me by phone in XXXX and XXXX XXXX. 
IQ Data placed a fake debt with all XXXX CBs. I disputed it then and got all XXXX to remove it in XXXX. 

Now XXXX IQ Data is at me again for the very same thing and now they pushed the {$300.00} to {$810.00} they never had a judge sign anything. they have not been following the FDCPA or FCRA in an way in relation to this fake but very serious issue. 

I have a judges ruling from that federal case stating in fact XXXX did violate my rights to XXXX. So I am asking the CFPB to ask IQ DATA to produce the proof that they are not violating my rights under FDCPA and FCRA. 

Thank you for your help
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IN)

EQUIFAX IS WRONGFULLY MISREPORTING INFORMATION ON MY CREDIT REPORT AND IS NOT TAKING ME SERIOUSLY. I AM A VICTIM OF FRAUD, AND THEY CLAIM THEY VERIFIED SOME DEROGATORY BEHAVIOR ON MY CREDIT REPORT, BUT HAS NOT YET SHOWN PROOF OF THEIR VERIFICATION PROCESS. I AM DISGUSTED THAT SOMETHING LIKE THIS IS ALLOWABLE IN THIS DAY IN AGE OR EVEN LEGAL. PLEASE LOOK INTO THIS MATTER AND INFORM THEM OF THEIR IMMORAL BUSINESS BEHAVIORS. THANK YOU.
Consumer complaint received 2016-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (FL)

Our new mortgage loan on our new house was transferred to Stearns for servicing right after closing. We closely watched all correspondence to ensure that we sent the first mortgage payment to the correct address, as we have been homeowners for 15 years and have never been late or missed a payment. We sent in our first payment and soon after received a call from Stearns stating our payment had not been received. The payment was not late at the time, it was a courtesy call, and as such we made a payment over the phone with the representative. We were advised to cancel the other check payment through our bank, which we did. Stearns then charged us a {$40.00} " NSF '' fee for the check that was cancelled. We called to complain to Stearns about this and the representative stated that they would waive the fee as a new customer courtesy. We just received our next month statement, and the " NSF '' fee is still on our statement. It is listed as having been paid, but is should have been credited on our statement. We feel the payment address error is owned by the new servicer, and we feel that they should honor their verbal agreement to refund the fee as a courtesy to us.
Consumer complaint received 2015-08-06
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (CA)

Sent notice offering option to pay online. Input all information but site would not accept payment. Tried XXXX times with different credit cards but still would not work. All info in website states enter " Credit Card '' type of " Credit Card ''. When I finally called and got a live person I was told that they only accept debit cards or checks for this client. I have wasted hours going in circles to find out that the company IC System , Inc. in XXXX XXXX, MN XXXX intentionally wastes peoples time by not giving accurate information. The DO NOT state anywhere that you can only use a debit card or check to pay them.
Consumer complaint received 2016-04-08
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (OK)

i was contacted this morning by ARA Inc over a debt to a company called XXXX XXXX. They stated that the debt fell off my credit report in 2006 but that they had decided to file a lawsuit against me in XXXX XXXX. They then transferred me to their " Legal '' department. The rep there stated that they would be filing on Monday in Oklahoma XXXX and putting liens against my credit cards ( which they listed on the call ) and that they had my bank account information which would have a lien placed as well. They stated that the amount was {$5000.00}. I asked for information about the amount owed and they gave me the name XXXX XXXX. I asked why they were taking me to court when I knew nothing about this debt. They stated that they had sent me a payoff offer in XXXX. I stated that I had never received anything from them. They emailed me the payoff offer and stated that I had to pay today. I told them that I needed to look into it, and they responded that if I did n't pay today, that they were suing me. They then called back 11 minutes later and demanded the payment for payoff. I responded that I looking into it. The reps stated that she was going into a meeting about me and whether or not they were going to proceed with legal action so she needed the payment NOW. I advised that I could not make a payment at that moment. They then called back 47 minutes later, but I did not take the call as I was on a conference call at work.
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Home Loan Center, Inc. (FL)

I have been contacted by several financial institutions offering to refinance my mortgage. The representatives told me that they got my information from XXXX XXXX. I did not submit any application for refinancing anywhere. I think that XXXX XXXX gave my personal info to all the financial institutions offing refinancing, because I am being bombarded with e-mail from XXXX, Quicken Loans etc. I want them to stop contacting me and XXXX XXXX to remove my personal information from their scummy database. I did not give them permission to check my credit score or any other information that they seem to get somewhere on line and distributed without my consent to other financial information. I want XXXX XXXX to remove my personal information from their website immediately!
Consumer complaint received 2017-01-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Miller, Stark, Klein and Associates (TX)

I 'm getting calls from a company claiming to be " Miller and Associates, '' phone number XXXX. Most of the time they call and hang up or I call and they hang up. They call saying I owe about {$4000.00} from a bank account with XXXX bank opened in 2011, and when I tell them that I have no idea what this is about they begin saying that I can deal with it in court. I have received no letters in regards to this debt, it 's not even on my credit report. I 've asked them numerous times to send me a letter with information about this and they say that I 'll just have to appear in court. I spoke with a " XXXX XXXX '' and she said that I was trying to defraud a bank, that I need to just " pay my bills '' and " good luck keeping my job. '' She even asked me to give her my employer 's name and phone number so she could talk to my boss, which I do n't understand why that has anything to do with anything.
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (CO)

Discover Financial has included on my credit report an account that I have no responsibility for. They have refused to remedy the problem despite repeated requests to do so. This has caused my credit score to drop around XXXX points which has caused me to have XXXX bank loans refused, causing me a loss of business as well as other financial distress.
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (PA)

Discover Card on XXXX XXXX called regarding a missed payment. I spoke with the representative ( name unidentified ) and informed her that a payment will be made on XXXX XXXX. Do not withdraw any moneys from my account. Not only did the representative automatically deducted moneys from my account for the payment causing other bills to " bounce '', she also went in and authorized automatic monthly withdrawal commencing XXXX. At no time did I approve or authorized such actions. It was not until I went to see if specific check " cleared, '' did I become aware of the action of Discover CSR. I called on XXXX XXXX to file a complaint regarding the action of that particular CSR of XXXX XXXX. The CSR of XXXX XXXX was named XXXX. XXXX transferred me to XXXX that wanted to refund my payment. I agreed for it to remain due to the fact that my checking account was already overdrawn due to the Discover withdrawal and the account to be paid payment " bounced. '' I believe this is a practice of Discover. This is the XXXX time in XXXX years that Discover 's representative fails to " listen '' and do exactly what they chose on these account upon calling the customer. XXXX removed the automatic payment.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: OneMain Finance Corporation (TX)

I have been having a problem for several months now with the report of a charge-off account with ONEMAIN ( XXXX ) on my credit history, which is causing me financial difficulties. This account is legally paid, which means I fulfilled my obligations with it, and I considered the matter closed at the time. However, I discovered that the account is being reported on my history without my knowledge and consent. I have disputed this with the bureaus and the company in question, requesting documentation to validate the information. I even filed a complaint with the bureaus requesting its removal from my report. However, the bureaus claim to verify the account, and the company has chosen to ignore my requests. Therefore, I decided to file a complaint against them directly, requesting that they remove the account since I have found that the account is providing inconsistent information among the three bureaus, with discrepancies in fixed data such as : high balance, date of last activity, date of opening, date of last payment, among others. In my inquiries regarding this matter, I learned that the information delivered to the credit bureaus must match entirely for each of them. Therefore, the fact that the account is reporting discrepancies among the credit bureaus indicates that incomplete or unverifiable information is being provided, which means the company is violating my rights based on 15 USC 1681 section 604a section 2, 15 USC 1681e ( b ), 15 USC 1681i ( 5 ), 15 USC 1681s ( 602 ) ( a ), and 15 USC 1681s ( 604 ) ( a ), sections that indicate the failures the company is committing.
Consumer complaint received 2016-11-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: DISCOVER BANK (NC)

I have received XXXX civil summons in nc from the same debt collector and they are also a law firm ... is this a type of intimidation ... I got summons afther summons from the same place. I was n't even informed that they were about to summon me
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (CA)

HI - a fraud account was opened under my name. I filed a police report and trying to work with the agency to clear. they are still claiming this was opened by me. I 've never owned a discovered card, I 've only own Visa and XXXX. My credit score has always been high, this is out of character
Consumer complaint received 2015-09-28
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (NY)

I was scammed from XXXX purchases made from XXXX using my Discover Card. Temporary credit was issued on XXXX XXXX, 2015. It allowed only 45 days for the merchant to reply, if not the case would end up in my favor. Discover Card reverted the credit PAST the 45 days on XXXX XXXX, 2015. I would like my credit back.