davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-18
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rock Holdings Inc. (NY)

I purchased my brother 's XXXX interest in my residence. Unfortunately, a document, The Real Property Transfer Tax Return was filed late by Title Source XXXX XXXX XXXX XXXX, MI XXXX, titlesource.com with the XXXX Department of Finance. I have been fined for this late filing {$110.00}. The transfer date was XXXX XXXX, 2016. The form was filed with XXXX Department of Finance on XXXX XXXX, 2016. I would like to be reimbursed for the {$110.00} which I had to pay.
Consumer complaint received 2016-05-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (GA)

Back in XXXX I was made aware that Exeter Finance Corp reported my account delinquent 30 days or more past due for my XXXX & XXXX 2015 payment. I called and spoke with a CSR and through that conversation realized that they were missing a payment that I made. I was told that I need to send documentation of the payment being cleared. Within a week I sent in my bank statement showing the payment was made with my debit card and cleared. I continued to follow up on the status of the update for weeks and was unsuccessful. Thirty days past and finally I decided to report the company to the XXXX and I filed a complaint. After a couple back and fourth responses the company applied my missing payment to my Exeter Finance Account. As I was going through that ordeal the company again reported my account past due for XXXX & XXXX although I made my payment for XXXX was granted a three month extension for XXXX, XXXX and XXXX ( which I later found out was not true, I was only granted a two month extension therefore the CSR provided me false information ). I called again asking what was this about and was told this time that the wrong payment information was given and that my payment did not clear the bank. I have a letter from my bank as well as my bank statement for the month in question of the payment. Not only was there sufficient funds for the payment to have cleared the account, my bank has provided me with a letter stating that there was no attempt that came through from Exeter Finance to obtain payment. I repeatedly ask for Exeter to update my credit file as to not being past due because again as with my misapplied payment that caused this issue from the beginning there was clearly an issue processing my XXXX payment as well. I have been unsuccessful in getting this issue rectified. It is simply not fair that a company can make a mistake no fault to the consumer and there is nothing that the consumer can do to protect their credit history. I have actual documentation, all I have heard from them are words filled with inaccuracy but they have yet to provide me with the information of what account number they allegedly attempted to process my payment. It could have been a case of system or human error that process the wrong information, however that is no fault to me the consumer and I should not have to reap the negative consequence of it. I have the responses made from the company Exeter through the XXXX that are filled with errors of information of what took place and dates as well. I simply want the company to retract the reporting of XXXX XXXX payment being over 30 days past due. They have made several errors and this has gone way too far at this point with no resolution. In addition to all of this, after requesting a ledger of statement account of my payment history, it took the company over 45 days to send it to me. That was just unacceptable.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains DEPT OF EDUCATION/XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains DEPT OF EDUCATION/XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated DEPT OF EDUCATION/XXXX   Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated DEPT OF EDUCATION/XXXX   Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX   Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated Important Information About Your Dispute Results filed ftc long time ago
Consumer complaint received 2015-05-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Performant Financial Corporation (NY)

Caller called my place of work and stated they were calling from " Performance '' company and that my daughter gave my name for a reference yet they refused to explain anything except tell me they needed to talk to her. The woman also mentioned another family member and my daughter told me she never used either of us as a reference. The are giving false information ( company name ) and lying about her giving me and another family members information. I am not callow ed to receive personal calls at work.
Consumer complaint received 2016-04-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

In XXXX we were put into a Pick a Payment mortgage by Wachovia at the time with a 7.45 % interest rate. Back in XXXX we tried several times to modify our mortgage with Wells Fargo and were denied. We made too much money was XXXX reason and then we were also told to pay the lowest amount to make our payment deferring principal and interest. We were also advised to fall delinquent so they would help us. We missed XXXX payments, they did not work with us and they started foreclosure. A family of XXXX we wanted and needed to keep our house. So we filed a chapter XXXX in XXXX to keep our home and try XXXX more attempt at a loan modification. The modification was still denied. Here we are in XXXX XXXX with XXXX payments left through our Chapter XXXX and we are still only paying the lowest amount which does increase yearly and is still deferring interest. Like many people that were in this type of loan we now owe more than what the original loan was for. We are also afraid that after we get out of the Chapter XXXX that we are not going to be any better off because of everything that is being deferred. These Pick a Payment mortgages are toxic!!!!!!!!! Through our attempted modifications we never wanted to reduce our loan, we just wanted to be in a traditional fixed mortgage with the lowest possible interest rate. And let me back up before the modification attempts, we also tried to refinance but again the housing market was down and the equity was not in the house so that to did not work. Wells Fargo needs to get of all of these Pick a Payment loans. Not just cherry pick some who get the right person, attorney, or luck. Please let me know if there is anything you can do to help assist us. We are a concerned homeowner, working hard and living pay check to pay check because of our mortgage!!
Consumer complaint received 2016-02-10
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (WV)

Have been trying to ask them for help with consolidating or remedying my debt with them and every time I am refused any help at all. I get very mean and loud agents who insist I pay the entire amount up front to keep from having more issues with Discover Card. Some threatening me with insulting ways of paying the debt or just being stringent on not helping find a way to get my debt settled with them. After receiving the information from Discover that I qualified for something when I called Discover they told me that information was false and I was making that up. The agents then refused to let me speak to anyone else regarding the matter and insisted I pay up from the $ XXXX owed to Discover telling me they had no more plans to help people like me who were delinquent and XXXX to pay off their debts.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

name not mine NAMES REPORTED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX, FL   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX address not mine filed ftc XX/XX/XXXX Creditor Name XXXX Account Type Flexible Spending Credit Card Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$3000.00} Term -- Monthly Payment {$170.00} Responsibility Authorized User Balance {$3000.00} Highest Balance {$3300.00} Payment Status 60-89 Days Late Worst Payment Status 60-89 Days Late Date of Last Payment XXXX  XXXX, XXXX Amount Past Due {$330.00} Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Misc . 
XXXX XXXX XXXX XXXX Creditor Contact Details XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX Inquiry Date : XXXX XXXX, XXXX Removed By* : XX/XX/XXXX Inquiry Type : Finance XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Bank  XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX inquires not mine
Consumer complaint received 2015-10-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (WI)

XXXX years ago on XXXX/XXXX/XXXX I suffered XXXX. Which resulted in a XXXX. Only to have XXXX of the XXXX fail and in XXXX XXXX I was having XXXX. Well I was recuperating from my XXXX, my husband suffered a non work related XXXX and was off work for XXXX months. He was on short term XXXX through his work. We fell behind in our mortgage payment. With medication cost increase to {$300.00} a month out of pockets XXXX copays increase to {$1500.00} each. We were not able to get caught up on our mortgage payments even with adding extra each month to the mortgage payments to try and get caught up. In XXXX XXXX Seterus refused to accept any further payments. We were given notice of foreclosure at which time we hired a law firm who said they could stop the foreclosure. In XXXX XXXX our Mortgage servicer Seterus offered a streamline modification, with the first payment starting XXXX XXXX That was sent to the law firm. We were not notified by the law firm of the streamline modification till XXXX XXXX. At which point we borrowed the money to make the mortgage payment by the end of XXXX and fired the law firm. Since then we have been working with the servicer Seterus on our own. We 've made the trial modification payments late due to the late notice and we have not been able to catch them up due to medical expenses. We have just received a permanent modification. Our modification does not seem like a modification. My monthly loan payments have increased by over {$100.00}. They added our back payments and interest to the end of our loan and extended it out to a 40 year loan. There was no reduction in interest rate or principal reduction. Modification in my vocabulary was meant to help us by reducing our monthly mortgage payment not increasing it. My husband is aged XXXX he has his own XXXX issues, and he would like to retire on XXXX XXXX XXXX. We have told them that there will be a income reduction when that happens so we need a modification that will take that into consideration also.
Consumer complaint received 2016-06-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: World Acceptance Corporation (AL)

World Finance Corporation called a reference looking for me on XXXX XXXX, 2016. My reference was n't sure if it was a scam or something, so she asked to verify some information about me. She demanded that they give her my social security number and the representative from this company disclosed my information. I was under the impression by law, this is illegal to do.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2015-12-13
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc (OK)

In XXXX I signed up for a trial with the company XXXX XXXX using my Paypal account. As these things usually go, I forgot to cancel the service prior to it converting into a recurrent billing subscription. After noticing the charges a month or two later I contacted the company and informed them that I had no interest in continuing the subscription. Instead they continued to charge my card. I contacted them again and when that did not work I closed my bank account and opened a new account to prevent any further unscrupulous charges. Last night, I used Paypal to purchase a XXXX gift so I entered my new debit card information into my Paypal account. This evening, I received a notification from Paypal that the debit card from my new bank account incurred a XXXX charge from XXXX XXXX. I immediately called Paypal and after suffering through a myriad of tedious prompts and useless information I was finally able to figure out how to get someone on the phone. I explained the situation to the Paypal rep I spoke to and made it clear that I wanted the charges reversed. He refused because it was a recurring payment. I attempted to explain to him that I NEVER authorized XXXX to make charges to my new debit card. Furthermore, I did not authorize Paypal to use my new card information as a back-up form of payment so the charge should have never shifted to that card. There is a box you can check to designate any new payment information added to your Paypal account as a back-up form of payment. I purposely did not check the box. Apparently, that gave them the right to " decide '' for me? I have used Paypal for a plethora of purchases as well as a few recurring payment situations. However, whenever I have contacted a company, outside of XXXX XXXX, requesting a cancellation payments have always stopped so I have never needed to ever call Paypal with a problem. Needless to say, this entire situation is disappointing. Especially coming from a company that purports itself to be customer service oriented when their recent actions are indicative of the opposite.
Consumer complaint received 2016-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TN)

I 've been trying to get this credit card off my report for over a year now, I advised Experian to put Fraud Alert on my credit because someone had stolen my Identity, I DID N'T get a credit card with XXXX XXXX, the only thing Experian is validating is my mailing address, they have on file.
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BMO Bank, N.A. (TX)

My Mortgage with XXXX was sold to BMO Harris Bank in XXXX of XXXX. I have never had an escrow account as part of my loan agreement as I originally paid 20 % against the sale value of my house. After my mortgage was transferred I continued to pay my monthly payments as usual until I received a statement in XXXX of XXXX where it indicated that BMO Harris paid my year end property taxes and Homeowners insurance. On top of that they paid XXXX dollars more against my property taxes then the actual cost. All property taxes were current and on top of all this I had paid my property taxes and Homeowners insurance as well. BMO Harris never told me nor should they have ever paid my taxes or homeowners insurance. As a result of BMO Harris paying my taxes and insurance they have now issued me an adjusted statement stating that my escrow account is {$26000.00} in arrears and that they are adjusting my monthly mortgage payment to address the escrow shortfall. My new monthly payment would now be in excess of {$6700.00} per month. I have been in contact with both their customer service department and Escrow department continuously for the last two months. They have freely admitted that when they took over the mortgage account that they set it up in their system incorrectly which resulted in their paying out of an escrow that does not exist. They keep telling me that they are going to fix it and get their money back from both the XXXX and insurance company. My mortgage payment is out withdrawn from my bank account around the XXXX of each month and as of XXXX XXXX, XXXX they started withdrawing the {$6700.00} from my account which now has created serious financial difficulties for me. The bank is in breach of their fiduciary responsibilities and perhaps other laws that I am not privy to however I need this remedied. BMO Harris has been woefully non responsive in trying to resolve this and it would appear they just keep putting me off. Next step is legal.
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (FL)

Good morning, I currently have a prepaid card with Way2Go Card ( goprogram ) to receive my unemployment benefits and I keep getting charged for fees that I should not be charged with based on their terms and conditions. The two issues that I am having are the following : 1. Customer Service Information ( automated or live agent ) : According to their terms and conditions " you are allowed ( 5 )  calls to Customer Service Interactive Voice Response ( IVR ) or live agent for no fee each month to check your balance or hear your transaction history. However, in XXXX I only called one time and they charged me. In XXXX I called 3 times and they charged me and in XXXX I have called once and they already charged me. 

2. Funds transfer via Interactive Voice Response ( IVR-phone ) or web portal : According to their terms and conditions " There is no fee for you to transfer funds from your card account to a XXXX XXXX   account owned by you. I made a transfer today ( XXXX/XXXX/20 ) and I was charged by goprogram ( not my bank ) {$2.00}. However, I transferred money to the same account on XXXX/XXXX/20 and I was not charged, which I shouldn't because that account is under my name. My daughter also transferred money yesterday to the same bank and did not get charged by goprogram. 

3. Change in terms : The terms and conditions state that " We may change ( add to, delete or amend ) these terms at any time by providing you with prior notice of the change as required by law ''. However, I have not received any notification of changes. Also, you can access the terms and conditions when you access your account on their website ( www.goprogram.com ) and they have not changed. 

4. I have tried calling their line to speak to somebody about this issue and get a refund but there is no option to speak to a live agent or to send a message on line. Another problem is that every time I try to call I automatic get my balance without asking for it and it counts as one of the five calls that you can make for free every month. 

I have a feeling that this is happening to a lot of people and is not fair and is also illegal. I would appreciate if you can please help me! 

Thank you.
Consumer complaint received 2020-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

Back in XXXX of 2020, I sent a letter requesting more and certain info about this debt. The company did not send all info requested. I sent another letter in XX/XX/2020 requesting this info again and stated that if not received within 30 days, they must remove from my credit report. They never responded and I filed a dispute on XXXX  and they did not even look at the letter I sent them nor did they remove the mark.
Consumer complaint received 2016-10-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I fell 2 months behind on my mortgage and requested a loan mod from the servicing company, XXXX XXXX XXXX. I was told I was not eligible. The rate was 6.75 % but the payment was interest-only, $ XXXX/month. Later that month I called to make a payment and it was refused, even though I would have been only 1 payment behind. I re-applied for a modification while they refused to accept payments for another 6 months. I appealed to every agency I could for help. Finally XX/XX/XXXX, I was told to make a downpayment of {$22000.00} to be eligible for a loan mod. Instead, I recieved a Forebearance agreement demanding another {$29000.00}, and higher payments of $ XXXX/month. Since then, all of my money has disappeared. The {$51000.00} that I paid was ADDED TO MY PRINCIPAL BALANCE, and the money just disappeared-as did the employee who had been the main contact. I borrowed more money to hire an attorney to help me who was absolutely WORTHLESS-didnt listen to or review anything, just sent out the same letters I had already sent. I have prof of the wire transfers where these crooks stole my money. Now they have sold my loan. WHY CANT YOU STOP THESE CRIMINALS?