davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC (OK)

On XX/XX/year> when I made my XXXX payment, I asked had they received my XX/XX/year> payment from XXXX in the amount of {$890.00}, Selene Finance responded yes. But they have not applied the payment to my account. Because, they show me due for XX/XX/year>. I called XX/XX/year> to confirm that they received the payment and when, I was told it was received on the XXXX of XX/XX/year>. I set up an online account to pay on my account in the future and I see that the account is still showing due for XX/XX/year>. So I set up a payment on XX/XX/year> so that I won't get reported 30 days past due. XX/XX/year> I check my account and the money is still there, so I check the Selene Finance online account, it is still show past due for XX/XX/year>, because they counted my XXXX payment for the XXXX payment they haven't posted. I call Selene Finance to inquire about my missing payment and I mentioned that I had set up a payment, but now it says that there are no pending payments even though I set one up on XX/XX/year>. The young lady I spoke to said she put in a request to have the payment posted, as did I believe, the last two people I spoke with.
Consumer complaint received 2015-12-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

We applied to Wells Fargo for a loan modification after my husband lost his job. The modification was declined on the basis of failed NPV. However we have appealed and they are considering our appeal. We are now 4 months late on payments. We called to make a payment today and were told that they would only accept a payment for all 4 payments ( XXXX ). They would no longer accept individual payments. To me this seems as though they are forcing us further into default rather than trying to assist us. I believe that this is a breach of the intent of the new Board of Governors of the Federal Reserve Regulation Z rules under 226.36 ( c ) for mortgage loan servicers : " Servicing practices. 

( 1 ) In connection with a consumer credit transaction secured by a consumer 's principal dwelling, no servicer shall -- ( i ) Fail to credit a payment to the consumer 's loan account as of the date of receipt, except when a delay in crediting does not result in any charge to the consumer or in the reporting of negative information to a consumer reporting agency, or except as provided in paragraph ( c ) ( 2 ) of this section ; By refusing to accept a payment online they seem to be deliberately circumventing this rule in order to force us into foreclosure. 

We fully expect my husband to be reemployed next year. At that time, hopefully with a modified loan, we hope to work out a payment plan. At this time we are simply asking the bank to accept a payment. 

Anything you can do to assist us would be greatly appreciated, Sincerely
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (WA)

I I have a Visa cc with WF for over XXXX years. I make payments before the due day to avoid late fee charges. In the XX/XX/XXXX statement I noticed a charge of {$37.00} for a late fee when the payment was received XXXX days prior to the due date. When I called I was given a credit back for the late fee but not for the payment because I was enter as an adjustment. I argued that the XX/XX/XXXX payment went in and why I needed to double pay for XX/XX/XXXX. The customer service representative continue to state I did not pay the account, which I did and before the due date. My grievance is they are not crediting the payment in the correct category so they can continue charging late fee for payment. It is fraudulent and misleading to the customer stating because they label the payment as an adjustment now the consumer must double pay in the next payment creating hardship for the customer and benefiting the XXXX. I would like someone to look into this practice and make individuals aware, I also want my account to be corrected. Thank you in advance for your assistance.
Consumer complaint received 2023-08-03
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. (FL)

I submitted a dispute XX/XX/XXXX with XXXX  and XXXX, equifax on some items that are showing on my credit report incorrectly. 

XXXX showing XXXX status shows open : I told them to provide me with a copy of my signed contract with this company as I have no knowledge of them or this amount and I have no open account for this amount. They responded in a few days that it meets Fcra requirements and closed my dispute. I have the right to see what this is and why its being reported this way. My guess is this was sold from an orginal creditor which i thought was against FCRA regulations, on top of it all the information is not accurate and I asked it be removed from my credit report. 

The other item was XXXXXXXX XXXX  in the amount of {$500.00} also showing opened as of XX/XX/XXXX, again no proof was provided to me, however i did get a 1099c a few years ago around this amount, and if it is the same account they its already been claimed on taxes and can not continue to ask me to repay this to a company I dont even know who they are, or if this is the same debit. This needs to be removed also from my credit report. 

Lastly is XXXX XXXX. Due to Hurricane Ian back in XX/XX/XXXX national emergency i applied for a forbearance with XXXXXXXX XXXX  they told me i didnt have to pay the mortgage for 3 months and the balance would be added to back end of my mortgage, once the forbearance was done they reniged and told me i had to pay it back. So they added to my monthly payment going foward which i have paid on time each month, so I have been current based on their agreement, yet its reporting negativly on my credit report. This needs to be update as not being current XXXX
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following elements from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have spoken with Kohls department store on several occasions, each time I talk to them they try to get me to set up a large amount that I can not pay due to my illness right now. I did explain to them about my illness, but they still offer me very large payments, Yes I do owe them but I am doing my best to pay what I can pay, my work is very slow right now due to my illness, I am doing my best to try to pay them what I owe them, Slow payments I'm making. I know they want their money and I want to pay them but I can't when I can't work. 
My main concern is they call me on Sundays while I'm at church, I don't care if they call doing week days but not on Sundays while I'm at church, It is very annoying the phone ringing while at church. I want them to stop calling me on Sundays. They call all doing the week days, Creditors should not have to have to call you on Sundays. I am doing my best to pay them, Some weeks I make no money for the pass weeks, I have not made any money so I can't pay them. I pay them when I can make some money. Due to my illness I can't work every day some weeks no work at all, When I do see a way to pay them I do try to pay. I am not working full time and most weeks no work but I try my best to pay something. I know I owe them but it is annoying on Sundays, we had two funerals and they call while at the funeral. Just need to stop calling on Sundays.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (IL)

I received notice today from ID Alert that these crooks are continuing to add these UNVERIFIED accounts onto all of my credit reports that they never sent me letters to verify and do not look familiar to me, even though I have filed a report with you, they continue to break the FCRA and FDCPA and disregard your authority and the laws!!!! I want you to go after them legally and shut them down!! I also want you to share all of my complaints with the FTC and IL Attorney General so they can be involved and apply fines too!! I also want them fined for Elder Abuse as I am over XXXX XXXX XXXX and they are intentionally harassing me!! 

New Account - New Account XX/XX/year> Alert Type : New Account - New Account Found On : XX/XX/year> A new account has appeared on your credit report. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

XXXX XXXX XXXX Account Balance {$93.00} Payment XXXX NameXXXX XXXX XXXX Business XXXX XXXX Address XXXX XXXX XXXX CityXXXX StateMA XXXX Here 's what to do : Call a Restoration team member at XXXX. As specialists, we'll help you determine if an identity theft event has occurred and guide you through any necessary restoration activities. We may take the following actions on your behalf : Contact the Social Security office Review your credit report for indications of identity theft Place a fraud alert or security freeze with the three credit bureaus Potentially Negative - Major Derogatory XX/XX/year> Alert Type : Potentially Negative - Major Derogatory Found On : XX/XX/year> A new derogatory mark has appeared on your credit report. Please review the details of the alert for information that may indicate identity theft.

Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

XXXX XXXX XXXX Balance Amount {$93.00} Is CollectionYes Open XXXX Payment XXXX XXXX XXXX ( Collections ) Status XXXX NameXXXX XXXX XXXX Phone ( XXXX ) XXXX Business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I started a refinance process with Lakeview Loan Servicing on XXXX/XXXX/15. Since starting this process, it has been an absolute nightmare. It started with me constantly requested a copy a of appraisal and not receiving if for 6 weeks .... until I filed my first complain with the CFPB. When I filed my first complain XX/XX/XXXX, the company finally started to work on my loan application and things began moving along. The loan finally moved to underwriting where I was told I would have to bring almost {$900.00} to closing. Mind you, I have an email from XXXX/XXXX/15 that states the only out of pocket costs I would incur was the appraisal fee, which I had already paid. So not they want another {$900.00}. I told them I felt misled. They then stated I needed to have a condo questionnaire completed .... another {$200.00}, what happened to that {$410.00} that was supposed to be my only out of pocket expense? Fine, I had everything completed and moved ahead, I was told they had everything they needed. I had n't heard from them in awhile so I send an email yesterday to check up on things. I received an email back stating the loan was held up in underwriting due to a litigation with the HOA. They never told me about this ... I only found out because I emailed them. Coincidentally I received an email yesterday from my HOA manager stating she had sent several emails to my loan processor and provider him with her personal cell phone number because he asked her for some documentation and the loan processor never responded. The HOA manager is neighbor/friend who is going out of her way to do something extra for me and the loan processor did n't even have the decency to respond to her. This constant lack of communication is unacceptable. Being put on the back burner time and time again is unacceptable. Being told I will only have to pay the appraisal fee as my out of pocket expense and then being told 2 months later that I need pay another {$900.00} in closing fees and {$200.00} for a condo questionnaire is highly misleading. I would not have even started the refinance process had I known that all of this was a possibility. I even told the loan originator that on the phone when I called regarding their refinance offer. I told him up front that I did not have extra cash to bring to closing and that last year I went through the process with another bank where I was told my appraisal was my only out of pocket expense and then they wanted {$2000.00} in closing costs. I was very explicit when I said I did not want to waste anyone 's time if that was a possibility this time around. But here we are, over 2 months later and they are backing out of their word. And yes, I have the email where this is guaranteed. I am tired of this process. I am tired of fighting with this bank. I am tired of having to check up on them like they are children to make sure they are doing their jobs correctly. I have my own job to do, I ca n't do their jobs as well as mine.
Consumer complaint received 2015-05-28
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Associated Credit Services, Inc. (FL)

They continue to call my work number over and over again. Prior to XXXX XXXX, they would leave messages on the general voicemail that this was an attempt to collect a debt and request a call back. They were told on XXXX XXXX at XXXX to stop calling this is a business. They stopped for a while, and have began calling AGAIN. They called at XXXX today from a number that just reads XXXX, FL XXXX
Consumer complaint received 2023-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST HORIZON BANK (FL)

The subject property of my mortgage was affected by XXXX XXXX last year. As a result of my having to hire lawyers to fight my flood insurance carrier to make them pay what was due to me, they cancelled my policy. I filed a complaint with the State of FL, and by the time they got around to working with the claim ( and finding they were not doing anything to fix it ), I had no choice but to apply for a new policy. The new company 's policy is to start new insurance a month after the lapse of the old, so there is a gap in my flood coverage. However, we are now past that gap, with no claims activity or issues, so I have flood insurance in place meeting the mortgage company 's requirements. Flood insurance did not pay me more than the premiums I paid for it after this Category XXXX hurricane and XXXX XXXX storm surge, which probably won't happen again in my lifetime, so requiring flood insurance is abusive by my mortgage company in the first place, but now, since there was a gap that affects them not one bit since we're past the date that would have been a problem, they're trying to extort an abusive amount of money from me to cover the month that has already passed!
Consumer complaint received 2016-04-03
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: U.S. BANCORP (IN)

I received a notice dated XXXX XXXX, 2015 stating that the PayCard program issued by Elan Financial Services and provided through Beacon Credit Union was being terminated ; stating that I would not be able to add funds after XXXX XXXX, 2015 ; and requesting I use all money on my card before XXXX XXXX, 2015, the close date. The notice also stated that barring any communication from me, any funds remaining on my card at the close date would be escheated. At the time, I had ~ {$2700.00} on the card. I immediately went to my credit union to withdraw the remaining funds. I was told that I could not withdraw more than {$1000.00} at one time, and that there was a cash withdrawal fee. I took the {$1000.00}, made a few purchases, and later withdrew another {$1000.00}. 

With my account now being under {$1000.00}, I went XX/XX/XXXX to withdraw the remaining {$490.00}. However, the expiration date on my card was XX/XX/XXXX and I had not received a replacement card so I was denied access to my money. Because I did not want any remaining funds on the card to be escheated, the credit union called the number on the card in my presence and then gave the phone to me. The Elan representative first told me that she could have a new card sent to me, but that it would not arrive in time for me to use it. BIG HELP. I asked how I was supposed to get my money. She said any balance on the account would be sent to me by check in XX/XX/XXXX. I specifically restated and verified that statement, mentioned the possibility of escheat per the notice, and expressed my desire to avoid it. The representative told me I would get the check and that the funds would only be escheated if I did not negotiate the check. 

XX/XX/XXXX arrived, and no check. So I called the number on my card again, and the Elan representative told me that the balance had been processed and I would receive a check within two weeks. Six weeks later, and no check. I called again, and was told that the funds had been escheated and was given the email address XXXXXXXXXXXX ' to find out how to claim my money. Exactly what I did not want to happen had happened. I sent an email to the address I was given three times and it was returned undeliverable all three times. I called again and was told that the email address I had used was correct and that there was nothing more they could do for me. I have been checking indianaunclaimed.gov ever since, but my {$490.00} dollars is still not listed. 

Elan had communication from me and my address never changed. I was not unreachable. If they did escheat my money, they should not have done so. Their customer service reps gave incorrect information on three different occasions. I still do n't have my money, and I do n't know who has it.
Consumer complaint received 2015-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: U.S. BANCORP (CT)

I am being sued for debt from us bank. it was for overdraft fees that a civil suit was filed for. They sold my debt to a third party company and i am being manipulated into paying almost XXXX time the original debt. I should not owe anything.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-11-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (FL)

I lived in an apartment only to get back and forth to work because I was sick. XXXX XXXX XXXX Owned by XXXX. The Manager was XXXX XXXX. Around XXXX XXXX I spoke to her about being off work because I could not move my neck and I was going to a new doctor, I also asked about my 2-week refund for faulty electric in which I could not stay there, because it was wired wrong, and could cause a fire. I also told her I may have to move by XXXX XXXX because I was missing a lot of work, possibility of XXXX, and XXXX. She assured me that XXXX works with people like me who can not pay the full two moths rent for moving early because they become XXXX and to keep her up to date.I was off work most of XXXX XXXX and kept her up to date and turned in my letter of intent to move out by XXXX XXXX. The end of XXXX I was told that I needed XXXX that treatments were not working, and the begin stages XXXX that was not responding to treatment.I let XXXX know I had to pay out of pocket for XXXX, I had started to apply for SS XXXX, and that I was applying for XXXX thru work but it would only be 60 % of my pay so I could not afford rent. On XXXX XXXX, XXXX, I could XXXX and that was an emergency visit to XXXX who said that I could no longer work. I talked to XXXX, she said that all XXXX wanted was a letter from my doctor stating that I was XXXX and that my income would not cover rent. I told her that I already had it set up to take the rent for me, my pet, and my trash to be taken for one of the two months out of my bank account on their site and that they owed me two weeks. So she said she would try to get my one month rent back because I did not have to pay the two months for breaking the lease. I never got it back. I moved out on the XXXX of XXXX, I gave XXXX the letter From my XXXX on the XXXX, and she told me know one could inspect my apartment that day so I had to go back down there, on Monday call the emergency maintenance number to have them inspect, ( It was cleaner than the day I moved in ). They claimed she never told them I was moving. A month later I received an email from XXXX to which I responded with my letter of being approved for SS XXXX and that I would receive not income until the end of XXXX XXXX, and the letter from my appeal that I was denied my XXXX thru work. I took it that they were satisfied and it was not until this XXXX XXXX I found NCC was trying to collect money for XXXX, I sent them the documentation where I did pay, and all the information that was given to XXXX and they are saying I owe {$1400.00} that there is no letter in my file of breaking my lease 2 months before I moved out. I could not give them that information because 1. XXXX has their own site I put it on and could be easily erased and I have no access too. 2. The second one is on the laptop that had coffee spilled all over it a year ago and it fried the whole computer. The money, letter from XXXX , denial of XXXX, and aproval of SS XXXX I have.