davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

file has failed Quality control review twice now. 
This is the 2nd time this happens and the file is declined for failing quality control review we have not received a clear answer of why this is happening on this account. The only answer we got is it failed QC and its not in the investors best interest to accept the offer. 
This file was previously closed out because we were advised the file failed QC, per Wells Fargo a party involved is questionable and black listed. We were informed that it was the Buyers, so the agents looked for a new offer and obtained one which we now submitted. 

This new offer has been declined, I was informed Wells Fargo decided to close out the file. Per the Short Sale dept. the short sale does not meet quality standards and there is a questionable person involved in the transaction who has been black listed. 

I 'm concerned that its either the agent or the sellers as this is the 2nd time this happens. 

There is a XXXX XXXX foreclosure sale date and we are doing everything we can to get this short sale completed and avoid a foreclosure for Wells Fargo and the seller but Wells Fargo will not provide us clear answers in order to resolve the issue at hand and complete the short sale with an acceptable offer. They rather remain vague and let the property go into foreclosure by playing these games.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Newport Intermediate Inc. (TX)

These are not my loans I did not apply for any loans I dont have a drivers license or a car I cant get a car loan in 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 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 2023-01-19
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: CAPITAL ONE FINANCIAL CORPORATION (NM)

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) application for employment, ( 4 ) a court order.

The following inquiries are related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 
1. Capital One Hard Inquiry XXXX XXXX unauthorized inquiry 2. Capital One hard Inquiry XXXX XXXX 3. Capital one hardy inquiry XXXX XXXX Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit with my permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit 2 ) date they purport I gave permission 3 ) method they purport that I gave permission Please include documentation of said permission.
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (SC)

Applied for refinance on home with Wells Fargo. After two months and {$600.00} later on my closing date, I was told I did not meet the requirements for a HARP loan. They knew this within the first five minutes of the first call to them. My credit score was XXXX points to low to even be considered for a HARP refinance loan. Yet, the had me faxing, running up to the bank, copying and sending, emailing etc. for two months leading me to think I would be approved. I feel I was taken advantage of and scammed of my {$600.00} thru unethical practices they have going on.
Consumer complaint received 2015-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I paid off my mortgage by cashier 's check ; It was acknowledged as received, I believe, XXXX XXXX 2015. Two days later, what had been an automatic withdrawal for the normal mortgage payment, was again taken from my account. My bank immediately contacted me, and advised that my account was over {$600.00} overdrawn ( including a hefty service fee. XXXX On XXXX XXXX, I contacted Nationstar, went through endless sendings of documents by email, and was assured that the wrongly-taken amount, plus the service charge, would be wired to my bank account by last Thursday. Nothing has happened. 
I have had XXXX subsequent, lengthy contacts with Nationstar since then : they seem to be in chaos ; they do n't have records of my previous calls or emails ; they do n't even have a record of having received the wrongly-taken extra mortgage withdrawal -- even though my bank has provided me with ample documentation -- all of which I have repeatedly provided to Nationstar. 
They refuse to give me any contact information so that I can deal with XXXX person ; they give me vague promises of action, which are never fulfilled -- and I am expected to call their generic contact phone number in order to get any info on the progress of my crucial info. 
No one at Nationstar seems to be accountable.
Consumer complaint received 2024-08-22
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. (PA)

I have made multiple attempts to address the fraudulent, inaccurate, and misleading information on my consumer report, but the issue persists. These items have significantly impacted my life, causing considerable stress and XXXX. I must emphasize that I did not authorize or consent to this information being associated with my name, as I am a victim of identity theft.
Consumer complaint received 2016-12-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (NC)

I have bill from " XXXX XXXX XXXX XXXX XXXX " on XXXX XXXX 2015 ( amount {$550.00} XXXX, and it was paid in full. 
but I 'm still getting contact by the collection agency " ( Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX XXXXXXXXphoenixfinancialsvcs.com XXXX XXXX ) XXXX ) '' and they still want me to pay ( {$400.00} ) to remove this debt from my credit.
Consumer complaint received 2016-12-23
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Patenaude & Felix A Professional Corporation (CA)

XXXX XXXX from Law office of Patenaude & Felix called me at XXXX today. XXXX XXXX asked me if I intend to make payments on the loan I owe. I explained that since I have records of only XXXX loan being signed I had requested from XXXX XXXX, the representative at their law firm, proof of the second loan. XXXX XXXX proceeded then to threaten that they would enact the judgement against me, even though I 've repeatedly tried to get proof of this second loan that they insist I owe them. He harassed me by belittling everything I said and when I told him I could pay about {$100.00} a month he said, " Ha, you want me to do all the leg work for $ XXXX/mo that will take you 18 years to pay ''. I explained over and over again that I wanted to work with them but I 'm in a financially bad situation. Over and over again he made me feel scared about what they could do to me. I told him that I did n't want to speak to him any further and that I wanted to speak either to XXXX XXXX or the lawyer on my case, XXXX XXXX. He then said, " do n't you hang up on me ''. My husband and mom who were listening to the whole entire conversation were shocked and my husband kept saying hang up, but I did n't, even when I was physically shaking and crying. This was by far one of the scariest and traumatizing collection calls I 've ever had. XXXX XXXX has been rude to me in the past, but never like this. Thank you for your time.
Consumer complaint received 2015-05-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (CA)

It appears that there are Liabilities on my credit report that do not belong to me. Such as Cavalry Port expenses, XXXX XXXX Card Expenses, XXXX XXXX expenses, and etc. These are causing a decrease in my overall credit score. These expenses that have turned into collections do not belong to me. There is a huge error in my report. These expenses have been added to my report that belong to an entire different person. This need to be corrected.
Consumer complaint received 2020-06-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2020, I submitted disputes about several errors on my Experian report. All the errors are ONLY on Experian, not on the other bureaus. 

Instead of investigating the problems and fixing them, they sent me a letter stating " we were unable to honor your request ... based on the limited amount of information regarding your dispute ''. The letter I sent them contained a detailed description of each error with cross reference to their credit report, a copy of their credit report with each issue highlighted and cross-referenced back to the letter, and full identifying information including SSN and birthdate. 

I know that Experian likes to send out form letters rather than actually doing anything, I guess they hope they'll just wear out the individual rather than Experian itself actually doing any work. Experian overall seems to prefer making it as difficult as possible for consumers to actually get them to report correct information. But this is ridiculous, they have more than enough information without stalling and deferring.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (KS)

US Bank bumped up their overdraft fees on their checking accounts. At around the same time, they began marketing a US Bank Credit Card to customers to open so they can get a lower fee on any overdrafts if they were to occur. What a XXXX! You are bumping up the fees and then trying to get your customers to take out a line of credit they may not necessarily need. You need to stop using XXXX XXXX as your mentor.
Consumer complaint received 2024-08-22
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-06-09
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (TX)

I have a XXXX XXXX Rewards Visa card, issued by U.S. Bank on XXXX/XXXX/16. I filed a complaint ( # XXXX ) previously with the Consumer Financial Protection Bureau with regard to the incorrect assignment of reward points for XXXX In-Store transactions. Due to a computer programming error, the XXXX transactions were treated as though they were Out-of-Store transactions, resulting in XXXX fewer points earned during the XX/XX/XXXX statement period. The prior complaint has been resolved, and my XXXX 2016 Statement shows a " Rewards Adjustment '' of XXXX points. The Rewards Adjustment notation is listed on the statement, under the heading " Points Earned ''. 

The current complaint addresses a XXXX-point discrepancy regarding the # of Points Earned Year to Date. According to my XXXX 2016 Statement, I have XXXX Points Earned Year to Date. However, the U.S. Bank website shows a different value : XXXX Points Earned Year to Date. 

Let me describe where I see XXXX Points Earned Year to Date. Online, the screen titled " Rewards Center '' contains information about rewards. This information is positioned within a section titled " View and Redeem Rewards ''. Within the section " View and Redeem Rewards '', there is a more specific area titled " Rewards Details ''. It is there -- within the area " Rewards Details '' -- where I see XXXX Points Earned Year to Date. 

By using a simple mathematical calculation -- XXXX points ( on statement ) minus XXXX points ( online ) equals XXXX points -- a person can easily conclude that the XXXX-point discrepancy could be attributed to a computer programming error. Perhaps the computer system that conveys information online was not programmed to recognize a " Rewards Adjustment '' as being equivalent to " Points Earned ''. 

The XXXX-point disparity has an effect on whether I will receive my first XXXX Rewards Certificate. XXXX/U.S. Bank exchange XXXX earned points for XXXX Certificate ( worth {$5.00} ). If XXXX/U.S. Bank rely on the statement-generated computer system to determine if I meet the requirement ( XXXX earned points ), I would receive a Certificate. But, if they use the online-reporting computer system to determine if I meet the requirement, I would not receive a Certificate. 

XXXX/U.S. Bank need to reconcile the XXXX-point disparity as soon as possible. In my opinion, it is inappropriate and misleading to use the same descriptor ( i.e., Points Earned Year to Date ) for XXXX numbers that are not identical ( i.e., XXXX, XXXX ).
Consumer complaint received 2016-03-23
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP (WA)

I purchased a visa master card at my local XXXX for XXXX dollars. My husband tried to use the card and it said declined. and I tired to use it too and it said declined, it was never activated. We called the number on the card and the lady was very rude and would n't listen to us. She said they thought it was fraudulent activity so it was canceled. It was canceled before we could use it. I even tried to get online and put my information in like the card said to do and it never let me. It said that the card number was incorrect. The rude lady on the phone said to fax a copy of our receipt and address and number and copy of the card to her, and that she did n't know when we could get the XXXX that we put on the card. It could take a week she said. So they took our money and do n't know when we will get it. What 's the point of a gift card if u ca n't even use it. They did n't seem to want to help and resolve the problem. She never said we would get our money back, I felt like we where given the run around. I feel like I was scammed. My husband got the money order to buy me wigs online because I 'm sick and have no hair because it fell out. And now I have to wait a week or more or may not even get the money back and have no wig to cover my bald head. I ca n't wait a week or afford to be ripped off. I 'm already sick and suffering.
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (AZ)

My bank account had been appropriately set up to not incur a monthly fee on XXXX XXXX, 2016. Furthermore, at that same time I became aware that I was due a refund for prior years of monthly maintenance fees. US Bank sent me a response letter dated XXXX XXXX, 2016 with a pamphlet showing and supporting that I should not be charged a monthly fee. However, contrary to the advertising materials, and the accuracy of my account as of XXXX XXXX, 2016 ( rightfully placed into the XXXX Checking with no fee due to additional requirements met ), US Bank, on their own accord, switched my account back to a fee charging account. This action by US Bank is not supportive of their advertising materials, and is taking their own actions that are more advantageous to the bank and not in accordance with their written materials.
Consumer complaint received 2016-07-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (OH)

I had overdrafts on my account and did n't fully understand how I had gotten them I went to the bank where I bank all the time and the teller could n't fully understand what happened so she said the manager is on a conference call and will call you when she is finished, well 2 or 3 hours went by and she never called when I called back I asked is the manager still busy the person said this is me how can I help you so I 'm explaining to her I did n't understand my overdrafts and she said well you had one for a loan come through for x amount of dollars and I said that 's not a loan it 's my car payment and she said well that 's a loan I said I 'm paying a car payment not a loan payment..anyway what she said was XXXX fees were for XXXX transaction I was charged for it pending and for it clearing I said well that does n't sound right she said well you need anything else very rude..i said not from you and hung up ... .anyway I found out that was not true after speaking with customer service but the manager was very very very rude.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

I filed a dispute in 2013 against the collection agency known as XXXX account number XXXX Phone number XXXX with Experian sometime in 2013. Experian failed to obtain evidence from XXXX that validates the debt. I have not received within accordance to Landlord/Tenant law an itemized receipt to verify money owed to XXXX Court. I paid a large deposit and feel that was sufficient to cover expenses. Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information and they have failed to do so.
Consumer complaint received 2015-09-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

My mortgage was sold to Green Tree from XXXX. Around the same time, I fell into some hard times with a significant loss of income and increase of medical bills. I attempted to look for options with Green Tree and was told I only qualified for a stream line modification but was n't provide with any details. Only that I would need to make XXXX trial payments and after I paid the last XXXX, then I would find out the details of the modification. Once I received the modification, I realized it was n't in my favor to accept it. I spoke with the supervisor on my account that explained to me if I decline the modification, that it will take a few days to reallocate my trial payments to my mortgage since I was shown as being late and close to default. XXXX is the supervisor on my account. She informed me that I would be able to make payment arrangements to make up the difference and the amount would be spread over the next 3-4 months so everything will be caught up. She also mentioned which I was n't aware at the beginning that I had other options that I could have explored. The trial payments were for XXXX, XXXX, and XXXX. I have been dealing with XXXX my account XXXX XXXX XXXX and her supervisor XXXX since the first week of XXXX with no resolution. They consistently told me I owe over XXXX and need to pay the balance. I have no statements to show where the XXXX trial payments were reallocated to my balance nor where they came up with the balance. I have been treated like I 'm a dead beat loser that needs to pay the whole balance or go to foreclosure. XXXX has been rude towards me and have avoid my calls and even hangs up when I try calling her. I left numerous voice mails to both XXXX and XXXX with no return calls. The couple times I was able to actually speak to XXXX she would continue to say I 'm not discussing anything unless your ready to make a payment for the whole amount. I have been seeking support from my family and church and wanted to continue which was first discussed with XXXX as far as making payment arrangements to clear my past balance. I also would like to see in writing how everything was reallocated. My statement shows a balance over XXXX does n't reflect the amount of XXXX they told me to pay. I tried talking to someone else in customer service and their own department but everyone routes the calls back to them which leads me no where. No one will look into this matter for me. I am stuck dealing with XXXX individuals that are not willing to discuss or assist me in this matter. I have nothing written to show where the balance is coming from. I was not late for 3 months during my trial period but still show being late close to 180 days. I need someone to review my account and provide me in writing what my past balance is so I can make the proper arrangements to pay everything.
Consumer complaint received 2015-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

I compared my experian report to that of a friend of mine. Both of us have collections on our experian file. When I compared the XXXX files, her collections are scheduled to come off between 4 and 5 years from the date of the collection and mine are scheduled to come off between 7 and ten years from the date of the collection. She has lot more collection and negative information on her credit file with experian and her credit score is higher than mine. The only difference between the XXXX of us is that she is a XXXX year old XXXX female and I am a XXXX year old XXXX female. It is not fair that her collection accounts are scheduled to come off between 3-6 years from the date they were reported and mine are between 7-10 years. For example ; I have a collection account that was reported in XXXX and it is scheduled to remain on my credit file until XXXX. She also have a collection file reported in XXXX and it is scheduled to remain on her credit file until XXXX. I have copies of both reports and all of the collection accounts have similar discrepancies and differences on both of ours where her unpaid collection accounts are scheduled to be removed a lot quicker than mine ; XXXX of our collection accounts is the same creditor ( XXXX XXXX Bank ) and its the same scenario as far as when the negative information is scheduled to be removed. I am not understanding why the difference in the removal time, from my understanding negative information remain on file the same amount of time regardless of who the consumer is. It seems as though it may be a difference based on discrimination. I have copies of both reports and I will send them in with the differences highlighted if necessary. I want to know why there is such a difference as to why my negative information stay a lot longer on my credit file, making it harder for me to repair my credit and raise my credit score than it does for another person in a very similar situation than mine. The only difference between the XXXX of us is that she is a XXXX female who is XXXX years older than myself. I have the hard copies of the credit report that I plan mailing to the investigator assigned to this complaint as soon as I hear a response from this bureau. Again I would like to know the difference and why some consumers such as myself have a longer waiting time for negative information to be removed than others. Thank you.