davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

ATTACHED YOU WILL FIND A SETTLEMENT LETTER THAT WAS PAID AS AGREED BY XXXX XXXX. THE SETTLEMENT AGREEMENT STATED THE ACCOUNT WOULD BE CORRECTED TO READ AND REFLECT AS A PAID IN FULL ACCOUNT AND CORRECTED TO READ AND REFLECT AS A PAID ON TIME ACCOUNT WITH NO DELINQUENCY. 

TO DATE THE ACCOUNT STILL SHOWS TO REFLECT A DELINQUENT AND OPEN ACCOUNT. THE ACCOUNT SHOULD REFLECT PAID AND ALL DELINQUENCY CORRECTED TO BE PAID ON TIME WITH NO 30/60/90 DAY DELINQUENIES.
Consumer complaint received 2015-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Recieved call stating BOA had aquired a loan from prior to 2010. Being very ill, I gave my wife permission to speak with them. She was extremely RUDE and kept telling my wife not to interupt her. She would NOT tell her anything except Bankj of America had just aquired the loan & they want thier money. When my wife tried to get any info as to what the loan was about, she said we could settle the debt right now but would not say anything more than it was an old loan that BOA had just aquired and no other info from whom the loan was aquired. She finally said we would be sued and taken to court and abruptly HUNG UP on my wife. I called here back and tried to get the info from her. She was so rude and ignorant, I could not believe this woman. She said " NOW YOU WANT TO TALK TO ME '' " if you want to know anything, ASK YOUR WIFE. I wanted to know how I can settle a debt when she would not tell me who the debtor was. I have to admit I became HIGHLY AGITATED and did use some abusive language and hung up on her when I could get NO INFO and all she was doing was yelling at me. My wife called back and tried to talk to someone else and they once again immediately hung up the phone without speaking, as soon as they determined who was calling. 

To summarize this whole situation. The person who called was XXXX and she was mean and very rude. She told my wife this debt has to be settled today but would not reveal from whom BOA aquired the loan. After giving us NO INFO she said to ge3t a lawyer because they are going take us to court and sue us. I 'm not sure if the company name and representive is correct. They did not identify themselves except to say there is a claim against me. The phone numbers were left on the answering machine and taken from my caller ID.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to dispute several fraudulent entries on my credit report resulting from identity theft. My personal information was compromised in a recent data breach, leading to the unauthorized accounts, inquiries, and employment information listed below. I have never authorized these accounts, nor have I authorized the inquiries or the employment details.
Consumer complaint received 2016-05-14
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: WELLS FARGO & COMPANY (NY)

This company continues to call me on my personal cell phone. I have been really sick and they just continue to annoy me. I realize I 'm owing them money, but they are not going to get it any faster by annoying me with countless phone calls. They are calling in the morning. They are calling me while I 'm shopping in a store. They call at dinner time. All through the day! I want my personal cell phone number removed from all creditors. I am unemployed and I am doing the best I can with my bills. Please make them stop! Thank you!
Consumer complaint received 2015-07-26
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CT)

Citibank advertised a special promotion for their Citigold product. It required a minimum deposit. 

I already had a checking and a savings account with Citi. I added additional funds to the savings account to achieve the threshold amount. In exchange, I was to receive the added benefits of the Citigold product. 

Unbeknownst to me, Citi opened a new checking account tied to Citigold. Since I did n't know this account existed, no money was placed in this account. Since no money was placed in this account, it was below the threshold. Citi began charging fees. 

I was able to have this reversed and shut the account. However, I think it is important to communicate to the CFPB that Citibank continues to employ deceptive practices even after it has paid heavy fines and made changes to management. Very disappointing.
Consumer complaint received 2023-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On, XX/XX/2022, a money transfer in the amount of {$800.00} was initiated on the Chase iOS app through XXXX, the platform which Chase uses to handle transfers. The user whose money was sent to was incorrect, at the time there was no confirmation received in the matter of " are you sure this is the correct recipient? '' or anything similar to that. The person has since disappeared, any attempt to contact whether call or text has been unsuccessful. I and a third party, legal representative, have tried to reach to Chase to correct this in a timely manner in hopes of Chase reaching out to the bank of the recipient to hopefully refund the money, Chase has said numerous times that there is not anything they can do. This is unfair as I am not tech savvy and Chase advertises catering to users of all ages and backgrounds, that is those who are tech savvy and those who are not. In this case they have completely abandoned the situation and I am in dire need of my money.
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XX/XX/XXXX we were approved for a program called Keep Your Home California ( KYHCA ) for Unemployment Mortgage Assistance. Since I was unemployed I wan not able to pay my credit card bills and subsequently filed for Chapter XXXX bankruptcy protection. My bankruptcy was discharged on XXXX XXXX, XXXX. On XXXX XXXX XXXX my mortgage servicer ( Select Portfolio Servicing ) incorrectly informed Keep Your Home California that I was in an " Active '' bankruptcy when in fact I was not. My bankruptcy was discharged on XXXX XXXX, XXXX. Now that my bankruptcy stay has been lifted ( after the discharge ), Select Portfolio Servicing ( SPS ) said that they will no longer accept payments from KYHCA even though I still qualify for the program based on my unemployment & the fact that my bankruptcy was discharged on XXXX/XXXX/XXXX. I called their Ombudsman department & spoke with XXXX XXXX & XXXX XXXX and they confirmed not receiving the Federal Bankruptcy Court letter of Discharge in a " timely '' matter ( even though they are listed as a creditor on the Bankruptcy Court documents ). According to the SPS Ombudsman department, this is why they are planning to return the last payment made by KYHCA made on XXXX XXXX, XXXX and will cause us to go into default with their account. Both Select Portfolio Servicing XXXX KYHCA are aware that I am still unemployed & can not afford my mortgage payment. KYHCA has stated that they are willing to make payments on my mortgage but that it is up to SPS to accept these payments. 

I feel that SPS is taking this action after my bankruptcy discharge because they know that I am no longer under the bankruptcy court mandated stay. They have appraised our home above what we owe SPS and feel no risk in forcing my family into foreclosure even though they admit that they would be able to accept payments from KYHCA after the bankruptcy discharge ( if they would correct/update their records ). 

They admit taking the following action after the bankruptcy discharge date of XXXX XXXX, XXXX : 1 ) Knowing that we are no longer under a bankruptcy court mandated stay 2 ) Returning the last mortgage payment made by KYHCA on XXXX/XXXX/XXXX causing us to go into default. 3 ) Sending a letter to KYHCA on XXXX XXXX, XXXX stating that they would no longer accept their mortgage payments on our behalf. 4 ) Having an appraised value of our home greater than the amount owed to SPS. 5 ) Confirming that a payment would normally be accepted by KYHCA after a bankruptcy discharge. 

Any help would be appreciated. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-04-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (MD)

Hi, I have an account with BB & T # XXXX I pay monthly car loan payment of {$470.00} and recently I paid Extra Payment ( Second bi-monthly payment ) to reduce the principal but it went towards interest. I understand bank always finds a way to get money from customer but I want to reduce the principal as well. 

I filed several case with CFPB and finally I had a chat with XXXX XXXX, BB & T Branch banker, He explained everything and it was very clear until my second extra payment went towards interest, He told me any payment amount over {$470.00} will go towards to reduce the principal but he lied. It went straight to interest. {$2.00} made on XXXX/XXXX/2016. I was going to make more amount but I was afraid they charge extra interest and they did even after they said extra payment will reduce Principal, not deducted as interest. 

Right, now I 'm really disappointed and I want them to put {$2.00} toward principal as they promised or I was {$2.00} back.
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (VA)

In reference to case # XXXX, Seterus made inaccurate statement when it stated that escrow account was open by XXXX Mortgage. It was never open by XXXX. An escrow account requires payment of principal, interest and taxes. I never paid taxes to XXXX Mortgage. Payment records shows that. In fact, even after it is transferred to Seterus, first few months I paid only the principal and interest. Therefore, there was never an escrow account when XXXX transferred mortgage service to Seterus. 
As per loan modification, all the documents signed are null and void, because loan modification never went into force. 
In any case, the original act by Seterus to set up an escrow account caused financial stress resulting in the damage of credit and unable to take advantage of low interest rates, resulting in serious financial losses.
Consumer complaint received 2015-10-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

On XXXX XXXX, 2015 log on into Navy Federal Credit Union and found out that they withdrew {$29.00} from my account and they did inform me what check was returned and for amount just return fee then I ask the representative why was n't it indicate on line she stated that do not do post it online they just send notice via United States Postal Service I thought that all transaction should be viewed online and statement they accused me of bounced check they pay via bill pay and they indicate it paid but they indicated if something was not paid they also charge me fee and taken me out of over draft protection which cause the check to be return and which cause me return check fee to XXXX Furniture and Sales I never opt out they have been commending so much fraud I would like them to investigate all banking product and services to ensure proper use of the services are being apply if any Fraud is found all individuals involved should be convicted according to United States Federal Law
Consumer complaint received 2016-10-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (FL)

on XX/XX/XXXX I was a victim of fraud. Wells fargo bank is holding me accountable for fraud done to me thru a XXXX transaction and XXXX fraud check deposited into my account and funds later removed. I have filed complaints as to the fraud commited with bank and a police report. they still cali I did this to myself which I did not! Wells fargo reps have laughed t me over the phone and have reuined my credit closed my accounts and refused to return the money I had in the account and now want me to pay for the debt done to me! I did not use my card at XXXX nor did put XXXX bogus checks into my account. I need and demand action and getting nothing and no help
Consumer complaint received 2016-02-19
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rosen Management Services Inc. (MO)

I get numerous calls daily from XXXX different numbers that all seem to lead back to the same place, which I believe to be a scam. The XXXX numbers are XXXX, XXXX and XXXX from XXXX women named XXXX XXXX and XXXX XXXX. They do not answer the phone with the name of the company, you have to ask them who they are, they just answer litigation or something of that nature. They give the name of XXXX XXXX XXXX as their company name, but can not find anything regarding that name, except a XXXX XXXX XXXX in XXXX. 
They claim that I owe a debt in the amount of {$680.00} from 2011, a payday loan through XXXX XXXX. I explained to them that I do not owe this debt, I have never taken out a payday loan, and why did it take them 5 years to finally collect on this debt. XXXX told me that since all things point back to my information that I am solely responsible for the debt and can not fight it, or it will be sent to court for collection. I did ask for a debt validation notice or something with my signature showing I signed for the debt. She claimed that she does not have that information and can not get it, that I would have already gotten it from the original debtor. I have asked them not to call me again, as I believe they are a scam! All I have are phone numbers, no address.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2016-09-16
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

I opened a bank account at a local wells Fargo Bank, and yes I am a victim. 
The bank account I was told had to ave a savings account attached but it would not be debited unless I overdrafted or failed to have XXXX withdrawals from checking in a calendar month.Then through stupidity I bought something on a pop up and although my account also said nothing would be taken from that saving account to cover the overdraft and there would be no fee for being overlimit on my account if it was under {$5.00} they took it from my account and although the vendor gve me a credit the money was never put back in my account then they started taking money from the account for fees, an account I did n't want in the first place. then they told me that unless I added more money to my account it would be closed. Then that money was suddenly gone, the day after XXXX was put in. The documents attached to my statements disappeared. Then the statements disappeared and they were supposed to be there for 7 years. I called the number on the back of their card and they told me the money had been taken to cover an overdraft on a previous account which was totally wrong and she was supposed to have a copy of that pre vious account e-mailed to me and the line went dead. Nothing was ever e-mailed to me and I have no idea what they are talking about since when I left their bank previously to go to XXXX XXXX it was because they had without notice closed my fiances account and left him with no way to get his social security check, Guess they get their money any way they can. I was very irritated at the girl I was talking to on the phone and said no wonder you are always in trouble with the fdic, and she said they weren'tI I told her two weeks ago that I was going to make a complaint, and within a day or two we heard the news about firing XXXX employees at wells fargo and they were being fined a very large amount. 
I told the lady when I opened the account that My income was very low and could not afford to lose any to fees. She said it would be taken care of within a month they were taking money from my savings, All of the problems below were part of the problem, they would freeze my debit card because I spent more than the alert I set up and they sent me an e-mail that did n't say I had to respond, so I 'd be out for lunch with no way to pay for it. That happened twice on this account and at least once on the last one
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (DE)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2017-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Management Control, Inc. (TX)

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by Credit Management Control. Credit Management Control does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they should remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made them aware of this by sending the a Creditors Validation Letter to respond back to me and show proof they are in perfect standing with the State of Texas Debt Collection Law. So, I checked the Secretary of State Texas Debt Collections Division website and found out that Credit Management Control is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another XXXX to remove them from my credit report please. Also, they are reporting that this debt was open in XX/XX/XXXX in which the account was open XX/XX/XXXX they are re-aging this debt which is against the FDCPA XXXX.
Consumer complaint received 2015-08-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

To Whom It May Concern : My circumstances have increased for the better, yet my lender is refusing to work with me at all. They have even discouraged me from making mortgage payments. I was injured on my job as XXXX in XX/XX/XXXX. Since, then I have been struggling to keep my home. Now, I can afford to pay the mortgage, yet the lender did not want me to start making payments and when I did make a mortgage payment, they informed that it would not count towards my principal balance, but would be held in a separate account ( Please see the below listed letter that I recently sent to them ). Also, I have my original emails and Hardship Letters, if they are needed for your investigation ). 

Property Address : XXXX XXXX XXXX XXXX, Loan Number : XXXX XXXX XXXX, CA XXXX Hi XXXX and Hamp Escalations, I just left a very detailed voicemail for XXXX XXXX at ( XXXX ) XXXX asking again when I can expect to receive the below listed documentation. 

I also mentioned that, once again, there should not be anymore negative reporting to any of the credit bureaus, since I made a mortgage payment last month ( XX/XX/XXXX ). 

After speaking with a real estate attorney, my mortgage payment should not have been reluctantly received and placed in a separate account, as explained to me by XXXX XXXX XXXX. It was very difficult for me to even make that payment because XXXX XXXX told me not to make the payment because the Attorneys from your ( Bayview Loan Servicing ) litigation foreclosure department was already involved. Then, XXXX XXXX explained further that my payment would not go towards paying off my principal mortgage loan amount, but it would be placed in a separate account. 

So, here I am trying to make a mortgage payment and Bayview Loan Servicing is telling me not to pay my mortgage? It seems like Bayview Loan Servicing is not trying to help me keep my house, but instead wants to take my house from me. 

I have attached my Hardship Letter from last year and I am in a much better situation to keep my home. My home has equity and I am generating more yearly income ( Please see attached documentation ). So, I am having a difficult time trying to figure out why you will not help me keep my home. 

Well, as you can see, I am prepared to fight to keep my home for my family. Especially since my circumstances have improved tremendously! 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-09-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (VA)

An XXXX report indicated that Equifax provided my credit information to " XXXX, XXXX XXXX XXXX, XXXX '' without my permission on XXXX/XXXX/15. " XXXX '' is actually " XXXX '', which apparently has a very long record of this behavior. Thanks for your assistance!