davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I currently have a 5 year adjustable rate mortgage with Capital One that was coming due at the end of the year. I contacted Capital One to get information about possibly converting to a 15 year or 30 year fixed rate mortgage to compare with my renewing my existing mortgage. Capital One refused to let me see a contact to have my attorney review. I was told to give credit card info and they will send me documentation with all fees, rates, closing costs etc. and my credit card would not be charged unless I went ahead with the mortgage loan application. I did not accept the fixed loan options but Capital One went ahead and charged my credit card {$450.00}. I have reached out to Capital One and they forwarded my concerns to their Advocacy Team who have been very arrogant. They and the mortgage team at Capital One claim they can not see my current mortgage information even though it is with Capital One. Capital One bought out ING who was an outstanding financial institution to do business with. Capital One mortgage personnel were high pressure, doom and gloom spewing and had no regard for the customer and did not listen to what I was asking even though I repeated clarified that what I wanted was just information on rates and costs associated with the different mortgage options. A mortgage is usually the biggest financial decision most people make in their lives. Capital One believes that customers should not be able to see the actual mortgage documentation and should make a decision based purely on a verbal estimate from their mortgage specialists. Wow. Their mortgage specialists have no regard for the customers best interests and are driven to sell costly options which only benefit their own sales personnel.
Consumer complaint received 2015-10-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

I have a loan with servicing company, Loan Care ( account # XXXX ). I previously put a request for a credit dispute of a late payment that was reported to the credit agencies. Since XXXX XXXX, 2015, I received a letter stating that my loan is " current and that the late payments were to be removed for XXXX and XXXX 2015 '' on my credit report. I am requesting for another letter to have my wife 's name on it as well ( as she is on my mortgage account too ) ; also requesting to have LoanCare notify the credit reporting agencies that my wife 's credit account is " Current and to remove the late payments reported in XXXX and XXXX 2015 ''.
Consumer complaint received 2016-11-19
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Account Discovery Systems, LLC (TN)

Account recovery services has contacted several people about my debt who are authority figures at an old job. They have contacted my old boss, employees, foremen. Disclosing that They have issued a judgement against me, and other personal information. There is no way they should have these people 's personal phone numbers. The place of my old employment was shut down and this company has gone out of their way to contact all the authority figures, on their personal numbers, who used to work there with me. I do n't even know how they went about acquire all of these people 's phone numbers. The info they have reported to these old coworkers is false. There have been no judgments against me. They have made no means to contact me. I have the same phone number and address for the last XXXX years and never once did they try to contact me by phone, mail, or email. 
They have also been contacting my family. Giving false info and sharing my debt information.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (IL)

I disputed a bankruptcy with XXXX, Equifax, and XXXX. They told me if was verified through XXXX XXXX I reached out to XXXX  XXXX  and it was deleted on their end. I need all three credit bureaus to delete this bankruptcy ASAP!
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-12-15
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Hi have an unsecured line of credit with Santander Bank. I also have XXXX checking accounts, a savings account for my son, and my HELOC with Santander bank. I use the unsecured line of {$5000.00} as my overdraft protection account. The interest rate on that account is aggressive, but it does n't bother me because I do not keep an open balance on there for long. In fact, I transfer money over very quickly and the check daily for any additional interest that may be tabbed to that account so I can pay it off. However, the account is set up incorrectly. The online interest balance does not match what is printed on the paper statements I receive in the mail. When I pay the interest online, it is not credited against the interest due somewhere in the account, and I am then billed for interest in a paper statement. However, the balance online is reported as zero. I have called about this numerous times. They tell me the online account reporting does not reflect everything and I have to rely on the paper statements. However, I pay everything online, so I continue to transfer money over to that account, but it is not peroperly reflected anywhere. I have asked for a transcript of this account for the last 2 years, but they will not give me XXXX. I have hiked my complaints all the way up to the main office, but they tell me I need to call customer service. I have put everything in writing but they seem to not understand. I most recently was reported for 60 days late for {$7.00} this past XXXX and XXXX. I used money from this account and paid it back the same week and the next week. I then paid interest the following week. The balance showed XXXX once I paid, and I do not know why they would hand bill me for {$7.00} interest but not report it as interest due online for 60 days. This is very frustrating. I have perfect credit and am never late on any accounts. This small account has caused a great deal of problems for me and is negatively reported on my credit report now. I am not getting any cooperation from this bank. I have had my main checking account for XXXX years, and I do not appreciate being ignored when I point out a legitimate issue with the setup and billing on this account.
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to dispute the disposition of the date closed on XXXX accounts and XXXX public record on my Transunion Credit Report. XXXX accounts were with XXXX XXXX XXXX XXXX, and show the date " closed '' as XXXX/XXXX/XXXX, but they were closed on XXXX/XXXX/XXXX ( XXXX/XXXX/XXXX was the date of discharge. XXXX XXXX closed and wrote off all of my counts even previous to my filing for bankruptcy and at the time of bankruptcy notified me os such, as well as notified me that my membership was terminated. It is impossible by virtue of this fact, that the accounts are shown " closed '' over 1.5 years later. Similarly on the public bankruptcy record, Transunion shows the date " paid '' as XXXX/XXXX/XXXX, but this inaccurate in this was the date of discharge, the date of " paid '' or " closed '' is XXXX/XXXX/XXXX. I owed no monies due to the discharge, so this should not be characterized as " paid ''. Transunion has claimed these items to be " verified '', but they are inaccurate.
Consumer complaint received 2016-07-28
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Moody, Jones & Ingino, P.A (FL)

My XXXX XXXX XXXX account was levied on XXXX/XXXX/16 due to a collection over 9 years ago and I was never served to appear in court. I filed for Chapter XXXX bankruptcy on XXXX/XXXX/16, my account remains frozen and my family 's livelihood is in a critical state with no money. Additionally, on XXXX/XXXX/16 my XXXX XXXX account which is joint with my wife has also been levied. I have already filed for bankruptcy XXXX to repay my debts, unfortunately the attorney XXXX XXXX will not release my funds evern after filing for bankruptcy.
Consumer complaint received 2016-04-07
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Bliksum, LLC (CA)

On Loan me 's website it states get rates as low as 9.9 % APR 11.36 % but when I applied for a loan, I got the automatic deposit and my APR is 137 %!! I have made XXXX monthly payments and my loan amount has increased. I tried talking to a loan me specialist and they act like they are too busy to take my call. I walked into their XXXX location and the women I spoke with said she only works part time and can not help me. I have a photo of their online advertisement.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

The debt they are attempting to collect is over 10yaers old and the account has been closed. They call me at XXXX every night. When I answer, someone asks what my name is and when I ask who they are they say " please hold '' and then they transfer me to midland management. Whom I 've told several times that the account has been closed, I 'm not paying it, and stop calling me.
Consumer complaint received 2016-02-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OK)

Please Compare the Escrow Statement dated XXXX to the Escrow Statement dated XXXX - as well as the XXXX Billing. You will see three different monthly payments, wildly altered Escrow statements and fraudulent late fees being charged, but they not applied. 

1. Increasing escrow monthly payments based upon erroneous and fraudulent projections totally XXXX per year when escrow expenses historically for 10 year old mortgage avg. XXXX year. 
2. Refusing to re-figure escrow analysis and projections. 
3. Charging late fee 's but refusing to apply late fees to monthly mortgage payment, resulting in classifying said monthly payment as not yet satisfied. 
4. Hanging up when asking to speak to supervisor. 
5. Fraudulently and willfully omitting previous years escrow account balance in year end statement, thereby creating justification for escrow projections of double for current year ( i.e. Escrow account had XXXX balance, Carrington said it was XXXX, and therefor projected I needed XXXX more over the next year in escrow on top of the already XXXX my monthly payment included. ) 6. Reporting to credit agencies mortgage is 2 months or less behind when in fact the payments were made on the XXXX of the month it was due - fair credit reporting act violations. 
7. Willfully and knowingly lying to me that the FHA does not allow a homeowner to cancel the MIP portion of the loan. This is blatantly false. When confronted and forced to address the written law of FHA MIP requirements Carrington refuses to release the amortization schedule that they use to figure when my loan will be at 78 % equity. 
8. Willfully and knowingly refusing to release a current escrow analysis statement explaining why my monthly mortgage payment has more than doubled in the 9 months since they purchased my loan from XXXX.
Consumer complaint received 2015-11-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I have been countinously working with BSI with an authorized XXXX party. The XXXX party is representing me in this case, and she has had numerous contacts and supplied multiple requested documents but the lender is failing to communicate or provide support in this loan modification phase. We are told to provide same documents over and over again, SPOCs assigned by the lender keep changing and honestly I feel that my file has no communication log or tasks completed. I ask questions and no answers are given from the lender, and at this point we are very frusterated and would like a work history report on our file and this matter escalated who can diligently review our case for loan modification. 

I have been in financial distress and have had major medical illness in my family, and all documents have been provided to lender, we still can not communicate efficiently on the outcome of our loan modification. 

Thank youXXXX XXXX
Consumer complaint received 2015-08-10
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IL)

For the last 6 years I have been paying this loan on time and have never had a payment go past 30 days, however, if I have a payment that is 5 days or more late, they begin to call my personal phone, both of my parents phones, and have even reached out to my brother. The calls are repetitive, invasive, and cause a lot of stress, even after I 've expresses this to the company. As of right now, I am am moving and finishing up a 2 year custody battle here in the city of XXXX, and I have a payment I just scheduled but was 23 days late as of today. In those 23 days, I 've had over XXXX documented phone calls / voicemails.
Consumer complaint received 2016-11-11
Product: Payday loan — 
Issue: Can't contact lender — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (MI)

Global Client Solutions is claiming they are going to contact my work, garnish my wages and file check fraud for a loan that I have no knowledge of. When I asked for proof they said unfortunately it 's too late and they are not the originator of the loan and if I did not pay them they would move forward with charges.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

Your opening questions do not apply to my specific complaint but I had to choose to move forward.

Trying to transfer office of account to office I regularly use rather than one 40 miles away.

Over 1 yr ago attempted to change by visiting branch. Paperwork submitted by branch & approved. Change never took place. Several visits back to branch with no resolution. Wrote corporate & received phone message they would be reaching out to me. I replied & waited. 
I then wrote to Dept of Financial Services in XX/XX/XXXX @ address posted in branch to which to file complaints. RECEIVED WORD BACK THAT THE OFFICE TO FILE COMPLAINT WITH AS POSTED IN THE BANK IS NOT THE OFFICE TO COMPLAIN TO. Received word back that I had to contact your office. The notice included your address in XXXX, IA. I wrote to you at the end of XX/XX/XXXX only to receive that correspondence back today indicating forwarding time expired. I then went on line for mailing address & found this means of filing complaint. 
Hope Im able to add attachments as required.
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$210.00}
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm a victim of identify theft. Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. these accounts have been in dispute for the last couple years don't belong to me and I have sent in disputes about the accounts. I was told that I should also send in the FTC reports. I did that along with all information to show who I am. Yet when TransUnion got all the information I was told that it couldn't be removed due to disputing too many times. As well as it didn't show fraud before, when in fact it does. I have asked for proof to show that the accounts belong to me and are verified with the original contracts, signatures, dates and driver license to prove this matter. Yet TransUnion says that they can't provide the information as they don't have to but also can't remove.
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NY)

I " XXXX XXXX '' along with the help of my XXXX housing counselor applied for a loan modification for my property " XXXX XXXX XXXX XXXX XXXX NY XXXX loan # XXXX " with Caliber Home Loans. We submitted a the loan mod packet on XXXX/XXXX/2016 via fax. As of XXXX Caliber informed us they has a complete packet and it was sent to underwriting on XXXX/XXXX/2016. We followed up via phone every week after that to make sure the underwriter would not need additional docs. My housing counselor and I spoke with an agent on XXXX/XXXX/2016 and we were told packet was complete no additional docs needed, We spoke with Caliber on XXXX/XXXX/16 with XXXX teller XXXX and we were told loan still in review and no additional docs needed. Finally on XXXX/XXXX/16 30 days after it was sent to underwriting Caliber requested an updated bank statement for borrower which we then sent via fax on XXXX/XXXX/16. We called on XXXX XXXX, 2016 and we were told that bank statement received and that now it was sent to underwriting and we have to wait another 30 days for a decision. We explained that Caliber can not add an additional 30 days to decision process since the underwriter had a complete file for 30 days and only in the last minute the underwriter decided to now ask for a bank statement witch we sent within 48 hours of the initial request, Caliber just kept repeating the same thing " just wait another 30 days '' My housing counselor asked to speak with a manager and spoke with XXXX teller id # XXXX and she said she was a manger and that she would e-mail the underwriting department and underwriting supervisor to make sure they make a decision and are being compliant with underwriting guidelines, she then told us to call back tomorrow and we would have a better idea of when a decision will be made. We called the next day and spoke to XXXX teller id XXXX and we were told that file was in underwriting and wait additional 30 days. My housing counselor explained the conversation we had with a previous manager XXXX the day before and then we were was told that XXXX is not a manager so she basically misrepresented herself on the call the day before. We were then transferred to another person who told us he was a manger XXXX teller id # XXXX, My housing counselor had to explain the whole ordeal to him and he basically said just " wait another 30 days ''. XXXX did not care that underwriting had a complete packet for 30 days and just wanted us to get off the phone. This is why I am filing a complaint against Caliber Loans in regards to my mortgage.
Consumer complaint received 2015-09-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WV)

I had a HELOC loan with Wells Fargo and prior to the end of the draw period I contacted them to convert the load to a fixed rate Home Equity " Loan ''. This was completed in XXXX 2015. In reviewing my Credit reports on XXXX/XXXX/15 I noticed this account was still showing up as a " Line of Credit '' instead of a loan for a fixed amount and is adversely effecting by credit scores because of false " credit utilization '' information this incorrect information is causing. I contacted Wells Fargo on XXXX/XXXX/15 requesting they notify the XXXX credit bureaus of the corrected information and was told that technically this account was still a Line of Credit even though it is not. I explained that the incorrect information was having an adverse impact on my credit scores but was told there was nothing they could do. I advised them that when i converted the Line of Credit to a loan prior to the end of the draw period I was told Wells Fargo representative XXXX XXXX that this account would now show a loan on all my records even though the account number remained the same. This has now proved to be false information. I was told the opposite on XXXX/XXXX/15 by their representative who identified herself as " XXXX '' that made no difference and in fact Wells Fargo discontinued " Home Equity Loans '' in XXXX of 2015??