davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-21
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

I made my mortgage payment as usual on XXXX/XXXX/2015, submitting a request from my bank 's bill payer service, as usual. I then got a statement XXXX that my payment was late, due on the XXXX of the month, late 10 days later. I researched the transaction at my bank and confirmed the payment was sent by ACH wire on time. According to XXXX ( the owner of my loan ) they are no longer doing business with the loan servicing company, LoanCare Services, and my payment should have been sent directly to XXXX. So I contacted LoanCare Services and asked them to research where my money went, if not to XXXX, and not returned to my bank. Their Customer Service people said it was returned to my bank on XX/XX/XXXX. I checked with my bank again, no funds received from LoanCare Services. I called LoanCare Services again. Same story, no details of the return transaction are available, no check number, no ACH transaction number, nothing. Very suspicious of LoanCare Services.
Consumer complaint received 2016-12-27
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (NY)

I had opened a Baclays Bank Visa card through an offer from XXXX in XXXX. I recently noticed that even though I do n't use the card much and pay every month, My balance does not go down much. I realized that I am paying a gigantic 22.4 % in interest when the XXXX rate is near XXXX and the mortgage rates are around 4 %. As a result, I am paying well over {$200.00} every month in interest and it hurts me financially. I spoke to the bank XXXX/XXXX/XXXX to lower the rate and they offered 18.4 % going forward and said that because the XXXX is raising rates, they have no flexibility to offer any other lower rates. I have XXXX XXXX and this is outrageous for a bank to do to a consumer. Please help me get a lower, reasonable rate of interest from this bank.
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (TX)

I have a credit card with Lowe 's. I received my bill due XX/XX/XXXX that included a regular purchase I made for {$120.00} along with a remaining balance on a promotional amount of {$190.00} ( due in full by XX/XX/2016 ). I made an on time payment of {$150.00} through their automated system. I recently received my statement that is due on XX/XX/XXXX and I notice an interest charge for XXXX. I did n't understand why this had occurred considering the payment I made covered the purchase of {$120.00} and the minimum payment of {$25.00}. I contacted Lowe 's credit card on XX/XX/2016 and the agent told me that the interest was charged to my account because it applied the bulk of my payment to the promotional amount since it was coming up on its maturity. I explained to the agent that it should be applied to the charge that would be assessed the interest first which would have been my regular purchase not my promotional amount. She disagreed and said it was a system decision. Unfortunately, the system is wrong in choosing how I want my payment applied. She informed me that I would have had to call back to tell an agent how I wanted my payment allocated. This is absurd to assume the payment would be applied this way and very sneaky on their part. I also noticed this must have happy at some other point this year and I did n't catch it. They charged me {$1.00} at some point assuming for the same thing. This is criminal. If I do n't pay the promotional amount by the payoff date then I should be charged whatever interest I deserve to be charged. Those are the terms I agreed to. Nothing else. The agent did refund me the {$2.00} interest but I would like the {$1.00} back and for them to change their practices or I will not continue to utilize their card. I have utilized other promotional offers with other companies and nothing like this has happened before.
Consumer complaint received 2015-05-08
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX XXXX has filed a suit against me and I ca n't afford a lawyer or to pay back the money I owe to Get capital bank usa na they are threatening me with taking property from that I do n't have they call me 2 months ago and I told them I will not be able to pay them back and they still threatened me
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (LA)

complaint toward EQUIFAX.    HAD ACCOUNT FOR OVER A YR. LAST UPDATE WAS XX/XX/2015.
 HAS WRONG PERSONAL INFORMATION (DOB).
REPORT HAS NOT BEEN UPDATED IN MONTHS PLUS WHAT I FOUND HAD ACCOUNT THAT WERE PAID BUT STILL REFLECTED ON REPORT.  HAS HURT MY ATTEMPTS TO FILE FOR LOANS/GRANTS.   VERY DISAPPOINTED...CLOSED ACCOUNT
Consumer complaint received 2015-10-23
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CHECK INTO CASH INC. (CA)

The lender cashed the check I wrote, for {$2000.00} early. I explained that the funds would n't be available until XX/XX/XXXX, I dated the check for XX/XX/2015, and it clearly states on my bank statement that the check was deposited on XX/XX/XXXX, which lead to various overdraft fees, along with my account being overdrawn. I spoke to XXXX, and made very clear that the funds would NOT be in my account until XX/XX/XXXX, like the check was dated. They also called me, to verify that the check was mine, and that the funds would be there on XX/XX/XXXX.
Consumer complaint received 2016-12-29
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (TX)

On Saturday, XXXX XXXX, 2016, I received a call at my business saying that it was the gas company XXXX XXXX XXXX XXXX. They said that I had an overdue balance of {$490.00} and that I had to pay it immediately or my gas service would be disconnected, and my business depends 100 % on gas. They told me to purchase a prepaid card with the amount due on it ( {$490.00} ), and that when I got it they would give me instructions on how to give them the card information in order to avoid having my gas service disconnected. And I did so. I purchased a card called Reloadit with the amount off {$490.00} on it from the XXXX located at XXXX XXXX XXXX. But a few hours later I realized that the gas companys ( XXXX XXXX ) offices arent open on Saturdays, and that I had been a victim of fraud. 
I called Reloadit to see if I could cancel the payment process to the person who defrauded me, and it appeared that I had called in time to cancel the payment. 
The Reloadit representatives gave me a case confirmation number : XXXX. 
Three days later, a woman named XXXX called me from XXXX to give me a new incident number : XXXX. 
Since they hadnt called me back on XXXX XXXX, I called them again, and the representative XXXX gave me another case number ( XXXX ) and told me to send them the proof of purchase for the Reloadit card, plus a copy of the card with the numbers on the back of the card. She told me to send it by fax to XXXX, and I did so. 
They told me that it would take approximately one month to have my money returned. 
On XXXX XXXX I spoke with a man named XXXX, who gave me another case number ( XXXX ). And so it went : month after month I was assisted by different representatives who gave me different case numbers, telling me they were reopening the case, but they never gave me a solution or sent me the money. Ive already spoken with the manager and he hasnt given me the solution for getting back my money either. 

A few months ago I told them that if they didnt send the money, I was going to report them, either to the Better Business Bureau or the CFPB. 
Apparently they dont care. Ive given them several more months, and I still havent received anything. Please help me. 
Thank you.
Consumer complaint received 2015-05-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Blackhawk Network Holdings Inc. (CA)

My prepaid debit account managed by Blackhawk Network was shut down XXXX months ago. I had $ XXXX on that prepaid card and it is locked. They told me that a check would be sent out, but it has been so long. Numerous phone calls have not been returned. Why are they holding onto my money for so long??
Consumer complaint received 2016-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MD)

I have constantly requested that Midland Credit Management give me the documentation backing there claim that I owe XXXX money. The account that is attached to this debt is not valid ... I have complained about this company in the past. I keep receiving letters threatening me with this unfounded debt for XXXX. I have paid XXXX directly the debt which was owed. I have sent numerous letters with tracking numbers via USPS to this company and the response is ALWAYS the same ... They are unable to provide verification and documentation that there is a valid basis for claiming this debt. ( Which has already been paid ). This is causing me undue stress and anxiety.
Consumer complaint received 2016-12-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

In XX/XX/2016, I closed my acct in person at HSBC on XXXX. Around XX/XX/XXXX I receive a note that I owe {$35.00} for overdrawing on my acct and insufficient funds. The amount allegedly overdrawn on my acct was {$45.00} - exactly what I took back from my acct upon closing it. I am XXXX. Ca n't go outside. Do n't want to talk on the phone. I have emailed them and tweeted them explaining everything. All they do is keep telling me to come in or call. Since XXXX they have taken me around in circles. All they need to do is look into it and send me a letter saying my account is closed and that I do n't owe them. I am now wondering if they even closed my acct or do they just send bills out hoping that someone wont pay attention and pay the {$35.00}. The fact that customer service ca n't help me leads me to believe that they are outsourced and are there for appearance only.
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP (CO)

I am selling my home to the current occupant of the house.The buyer has been going through the process of securing a loan through the V.A. 
XX/XX/XXXX, I was put on long-term XXXX due to XXXX. I needed to move to XXXX to be near my family, and moved in XX/XX/XXXX. I tried repeatedly to contact XXXX to discuss my account. XXXX intentionally avoided communicating with me. In XX/XX/XXXX, XXXX had put my house up for auction in a foreclosure. I found out about the sale date from the occupant questioning one of the many people driving by and photographing the property. With the help of the XXXX Attorney General 's office, XXXX contacted me and began a modification process. I made my third " trial payment ' on XXXX XXXX. On XXXX XXXX, the mortgage was sold to Seline Finance, a mortgage collection agency. Seline put me on " trial payments '' again for another four months. In XX/XX/XXXX, the buyer of my home began signing papers for the V.A. loan. I was given a projected closing date by the XX/XX/XXXX. That estimate has been delayed ever since, but the process continues - however slowly.The estimated closing date is still not determined. 
A week later, I received paperwork to sign the " modified '' mortgage with Seline. The mortgage interest rate is the same 6 % it was for years with XXXX. 
Seline now tells me that if I do n't sign their mortgage by week 's end, I will go back into foreclosure. Seline sent me a payoff statement, where I finally saw an accounting of my mortgage for the first time in 2 years. The principle is approximately {$48000.00}. Added to that is {$6000.00} in back-escrow, and another {$6100.00} in " interest ''. I must assume that " interest '' is charges accrued during my long stretch of no communication with XXXX. 
Question 1 : What can be done about Seline 's deadline for signing a mortgage by XXXX/XXXX/XXXX, while I wait for a sale date? 
Question 2 : When XXXX sold my mortgage to Seline, did I lose my ability to contest {$6100.00} in " interest '' that I 'm now being told to finance with a new loan?
Consumer complaint received 2015-10-29
Product: Credit card — 
Issue: Other — 
Company: ENCORE CAPITAL GROUP INC. (CA)

in regards to midland funding having not yet removed this time barred debt that has more than exceeded the time statute to legally collect from XXXX credit bureau. I contacted midland funding a month or so ago in regards to this time barred debt and they removed it from my XXXX & XXXX credit report but THIS DEBT still remains only on my XXXX credit report. Midland funding already did so with the other XXXX credit bureaus ( XXXX & XXXX ) so they must have forgotten to do the same with XXXX. This time barred debt that has more than exceeded the statue of limitations MUST BE REMOVED IMMEDIATELY
Consumer complaint received 2017-01-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I open HSBC account, seeing his ads of XXXX bonus. I meet all the requirement, and now HSBC did not get me bonus and said I forfeit it, there is no point with it. They also saying they would allow do global transfer with XXXX service fee with premier account, the fact is they just give an error code and froze my account without my agreement and deny me do transfer money to US. It is definitely they sell fake service or they refuse to serve me ( transfer funds, having bonus ) as they promised.
Consumer complaint received 2022-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midstate Collection Solutions, Inc. (IL)

When I initially noticed a collection on my credit report, I reached out to the creditors Midstate collection so. at XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX IL to validate this debt, I sent a debt validation request by certified mail XX/XX/XXXX and did not receive anything in return. I asked that this creditor notified the credit bureus of their error given there failure to validate this debt but they have not.
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (RI)

My wife and I had a new roof put on my home using a company that does home repairs. They took out an application with wells Fargo and got us a XXXX dollar credit card and charged the amount needed to complete the job XX/XX/XXXX. We made our monthly payments for about 4 years. we struggled a bit and wells fargo was charging us XXXX dollars a month for a XXXX  day late payment each month. some were longer. we defaulted due to hard ship and paid all but {$8300.00}. before we defaulted. around XXXX. We received hundreds of collection calls. We were still living almost check to check paying what we could. I got a promotion and started paying our bills more reliably. the debt collectors for this account continued to call, they gave us an option to pay a portion of this debt and at the time we received taxes. So i paid a large portion of this off and they settled. They even took the debt off my credit history. which is no longer on my history If this is a legal dept then why take off my credit history. I have called to get my history statements on my account at wells fargo and get the info of the debt collectors. but they have not yet to send me any of the statements. they submitted a XXXX notice to the IRS stating i had income from them for the tax year of XXXX the last date i had interaction with them was in XXXX per the rep.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 u.S. Code 1692e- False or misleading Representations XXXX Account number # XXXX Update to closed and paid as agreed 2. 15 u.S. Code 1692e- False or misleading Representations XXXX XXXX XXXX Account number # XXXX Please Remove from Credit report 3. 15 u.S. Code 1692e- False or misleading Representations XXXX XXXX XXXX Account number # XXXX Update to closed and paid as agreed 4. there is some inaccurate information reporting XXXXXXXX XXXX XXXX XXXX Account number # XXXX Please Remove from Credit report
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

After reviewing the documents provided by HSBC Bank I noticed that my mortgage is overstated by at least {$6100.00}. 

The documents provided by HSBC Bank state that HSBC Bank provided me with {$120000.00} at closing ( see attachment B, E & F ). That is new loan of {$110000.00} and XXXX XXXX XXXX Grant of {$7500.00}. However, after adding the closing costs to the XXXX checks from HSBC Bank it reveals that HSBC Bank only could have provided a maximum of {$120000.00} ( {$120000.00} - {$6100.00} ) ( see attachment A, B & C ), the calculation is below. 

On attachment B-2 there is a {$300.00} charge which should have been paid to XXXX for review of recognition agreement ; I contacted XXXX XXXX XXXX did not receive this {$300.00}. Also, on B-2 there is a {$1000.00} charge for settlement charge. In a letter dated XXXX XXXX, 2016 from HSBC Bank ( See attachment A-2 ) it is stated that the {$1000.00} was made payable to my closing attorney. However, my attorney said that this was a bank charge and it had nothing to do with him. 

Attachment D-1 is the lien filed in XXXX County for the XXXX Grant of {$7500.00}. HSBC Bank did not file any lien for the mortgage of {$110000.00}. 

I need HSBC Bank provide me with a check for the overstated amount ; that is {$6100.00} plus interest adjustments. 

Principal Amount New Loan XXXX XXXX Grant XXXX Total XXXX XXXX HSBC Check # XXXX XXXX HSBC Check # XXXX XXXX XXXX ( XXXX ) Closing Cost : Origination Charges XXXX Appraisal Fee XXXX Credit Report XXXX Daily Interest charge XXXX Settlement/Closing Fee XXXX XXXX Search XXXX Government Recording Charges XXXX Flood Certification XXXX Tax Service Fee XXXX Review Recognition XXXX Construction Fee XXXX Maint to XXXX XXXX XXXX XXXX XXXX ( XXXX ) Total XXXX Add Back : Settlement/Closing Fee XXXX My attorney said he had nothing to do with this Review Recognition XXXX XXXX said did not receive this Construction Fee XXXX Paid by XXXX Grant Check Received XXXX Maint to XXXX XXXX XXXX - Pro-rated XXXX XXXX Total Overstatement XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I checked my Experian and XXXX and XXXX credit report and there was addresses and names and inquiries and accounts that dont belong to me on the credit reports I sent them proof of police report and identity theft report and to remove those accounts and correct my personal information like my name and addresses and to remove the inquiries and they did not they are refusing to correct them
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX 2016, I checked my credit on XXXX and had a total of XXXX hard inquiries removed from my report. I checked my account on XX/XX/XXXX and all XXXX hard inquiries were placed back on my account without sending e a reinsertion letter as required by FCRA 611. I have been calling Transunion every since and received no help. No one will transfer me, no one will connect me with the American representative or the fraud department. Multiple agents have been belligerent, some have told me they know what happened but that it is basically too bad and I will have to file a complaint because they will not fix it.
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

I upgraded my credit card because of a XXXX bonus rewards offer if I met a certain spend threshold. I did meet the threshold well before the deadline, but I am told that I was not qualified for the offer. I upgraded my card by clicking on a link on the website that said I would receive XXXX bonus rewards. This is deceptive as I upgraded on the basis of the economics the bonus points presented despite a {$450.00} annual fee + {$170.00} supplementary card fee.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have pleaded to this company numerous times that this item is part of identity theft and is currently being investigated by law officials and they have purposely disobeyed my request to remove this account from my name. I have also asked for documentation and they also ignored that request. This company has blatantly violated my rights under FCRA 18 U.S. Code 1028A - Aggravated identity theft. 
XXXX XXXX XXXX XXXX {$1900.00} XX/XX/year> The credit bureaus have also violated the following laws : Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.