davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (SC)

Before my loan was sold to Fay Servicing my loan never fluctuated. Now it keeps going up and up and their excuse is that my escrow is behind even when I have gotten my taxes lowered and my insurance lowered they still can not give me a good reason other than some figures that make no sense on a sheet of paper. I tell them that they need to explain this to me and they blow me off. I am being cheated by this company and I do not know what to do nor how to go any further. This is why I am bothering you folks, in hopes of getting some relief. Also, they will not refinance my loan or adjust it so my interest is lower because they are making a lot of money at my expense. My interest rate is 7.5 percent and they come up with many excuses why they can not lower my interest rate so they can make the money. They even blame the problem on the government. I think that after 18 years of on-time payments they would realize that I can make the payments but they say that my credit is not good enough and i do not show enough income to make this happen. This does not make sense to me. I am making my payments on time and have been so therefore they should see that I should have a lower interest rate. I feel they can make this happen but they are making way to much money at my expense to lower my rates. I think they are dirty dealing at my expense and i wish something could be done about it. Please help! Thank you, XXXX XXXX
Consumer complaint received 2017-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M. G. Credit, Inc. (ND)

XXXX XXXX XXXX in XXXX Florida fined me excessively for late payments. Members who are late on paying can not use the gym. The gym fines iare well in excess to the amount of services I agreed to pay for, but also never used. Its absurd to expect someone to pay for services that were never rendered, it is even more crazy to fine people to purposely inflate the cost and use their credit school to hold them hostage. The gym sought to excessively profit off my misfortune through a predatory contract scheme that allows them to not only charge me for services that werent rendered but to charge me excessively. I reached out to MG Credit Corp to settle the account for a reasonable sum, they declined. On X/XX/16 They XXXX offered me a chance to pay off the membership balace {$190.00} ( I did n't have a job so I could n't ) On XX/XX/2016 that had grown to XXXX Now it 's over {$500.00}. This is absurd.
Consumer complaint received 2017-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I wrote a check to be given to my landlord by my roommate, It was dated the XX/XX/XXXX. on the XX/XX/XXXX I awoke to find that my account was overdrafted because the check was able to be cashed on XX/XX/XXXX, even though that date was not valid to cash the check. I was told by the the receiving bank that they had no problem taking the check which was not yet valid ( to my knowledge ). The drafting bank did refund the overdraft fee, but I feel as if this is insufficient protection to the consumer. I am a resident of FL. This practice is damaging not only to the consumer but to the reputation of banks and banking practices. If any other type of payment system/contract was handled in such a way, ACH for example, lawsuits would quickly follow and judgement awarded. I do not feel that my signature alone on a promissory note is sufficient and should only be honored on the date the check was intended to be deposited and not just accepted and executed because it is signed. To me that is as unscrupulous as changing the amount of on the check itself. It is a whole document, banks should not be able to pick and choose what parts of a check are important and which are not. My signature states that the check is good on the date promised, not before.
Consumer complaint received 2017-08-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

We refinanced a mortgage through Bank of America to get my ex-husband off the mortgage and put my new husband on the new mortgage. The old mortgage had a loan modification processed by Bank of America and guaranteed through HUD. Before we went ahead with the loan refinance, we asked if the loan modification would be an issue. We were reassured that it would n't be. The refinance was completed in XX/XX/XXXX. On XX/XX/XXXX, we received a letter from HUD stating that BOA never sent payment for the loan modification and there was an outstanding balance of {$80000.00} due immediately. BOA claims they did n't find the subordinate lien ( even though it was done through their institution ) and therefore it was not their fault it was not paid. We are now unable to pay this debt. We are in danger of losing our house because of BOA 's fraudulent practices.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I called to open a dispute and provided the information the requested. Once I opened a dispute the merchant requested I return the product. I returned the product with the label provided by the merchant and they never refunded me. 

When I contacted capital one they then said that I shouldn't have used the merchants return label and I should have paid to send it back. I also should have requested a signature to prove they received it. I asked them to send me information outlining these requirements and they said that it wasn't available to me. I then asked where on your XXXX XXXX  XXXX does it say that and they said it doesn't. 

They then said it's a request from XXXX. I said ok can you show me where XXXX  outlines that information and they couldn't. 

So at this time I opened a dispute for a vendor not able to returning goods. Once I opened the dispute the vendor waited until the very last minute for the 30 day dispute time and responded to capital one. After that they then sent me a return label so I could ship the product back. They said that after receiving the product they would process a refund in 5 business days. It has been 2 weeks and I have no communication from the vendor and no way to reach out to them. Capital one said shouldn't have used their return label and I am out of luck.
Consumer complaint received 2023-06-06
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. (MD)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX Balance : {$2800.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

The people answering my complaint still refuse to see it. My original account had been opened a year prior to this incident of XXXX XXXX falsely accusing her. Why was my first account being messed with in the first place? Wells fargo did a dirty and criminal thing against me and violated my civil rights. I never harassed XXXX XXXX. She violated our privacy rights by telling me that she made more money than I ever will and told me to take my XXXX XXXXXXXX son back in my home. They were both XXXX and XXXX screaming and cursing me out in front of my son. But lying saying I was saying it and how she came across the street and nearly assaulted me. I have a right to be upset at how my new account was closed after a short time of being open after I was forced to drive back and forth to the bank, so she would be there. The people at wells fargo ignores my side of the story I didn't even know she was even at the bank. How was I supposed to know that their head of security XXXX XXXX didn't bother to look at the security footage? This is all they want to do to me enrage me!
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (WA)

Approximately one ( XXXX ) year ago, I submitted a complaint to the CFPB regarding Wells Fargo 's incompetence in correctly paying my annual fire & liability insurance policy premium ( see complaint # XXXX ). After weeks of doing Wells Fargo 's work, and filing a complaint with CFPB, I was finally able to get Wells Fargo to pay the insurance premium from my escrow account as they are supposed to do. I thought the matter was closed and Wells Fargo understood how to pay the premium going forward. Guess what? XX/XX/XXXX rolls around and Wells Fargo is making the same mistakes as they did in XXXX. 

On XX/XX/XXXX, I received an unsigned letter from a Wells Fargo representative named " XXXX XXXX '' ( see attached ). In a nutshell, Wells Fargo electronically dispersed my mortgage escrow funds to the wrong location and are in the process of trying to recover the funds. 

After having already gone through a debacle in XXXX with Wells Fargo, I would expect in XXXX they would have learned from past mistakes and " got it right '' this year. But that's not what happened. The " ask '' here is that CFPB investigate Wells Fargo escrow practices and procedures for compliance with federal regulations. If the escrow funds Wells Fargo dispersed electronically from my account are not recovered, who is ultimately responsible? From XXXX XXXX 's letter, it seems like funds lost in the electronic transfer were mine! 

For a second year in a row, Wells Fargo 's incompetence handling financial transactions is on full display. For a major bank and mortgage company, they should not be making these types of mistakes at all. 

Thank you XXXX XXXX
Consumer complaint received 2017-08-02
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. (GA)

Equifax submitted the results of investigation # XXXX and continues to double report XXXX XXXX Account # XXXX. There is only one XXXX XXXX Account for an auto loan. Further, the last payment was made on/before XX/XX/XXXX but Equifax reports the last payment as XX/XX/XXXX. Additionally, Equifax continues to confirm the same report on the XXXX XXXX XXXX XXXX Account in dispute. XXXX reports a charge of of {$22000.00} and I have repeatedly disputed this amount. XXXX appears to be overstating the amount charged off on/around XX/XX/XXXX significantly. Further, on information and/or belief, XXXX sold this debt to a factoring/collections agency and is no longer the rightful owner of the debt but XXXX has continued to report a monthly past due amount which is patently false. XXXX no longer has standing but continues to report erroneously and Equifax perpetuates the misreporting by verifying my name and social security number but NOT the facts of the complaint.
Consumer complaint received 2024-10-15
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. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northland Group Inc (GA)

I previously instructed XXXX to discontinue communications with me in all shape, manner and/or form. Recently XXXX representatives have begun contacting me regarding information I sent to the CEO 's Office. I have not communicated and/or forwarded information to the CEO 's office since I instructed XXXX to cease and desist. They in turn have begun calling and sending emails and XXXX Message notices. This is in strict violation of the cease and desist. Additionally, XXXX sold the alleged credti card debt to the Northland Group who in turn have been contacting me. Due to this transaction, XXXX does not even have standing and/or an interest basis to be contacting me except to harass. I provided the Northland Groupd an opportunity to provide me strict proof of any debt obligation related to the credit card debt they are seeking to collect but they failed to so so. As a result, I have also ordered the Northland Group to cease an desist in all forms of communications. The correspondence ( s ) are attached.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-17
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or companywithout my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent account : Bankruptcy XXXX XXXXXXXXdischarged Reference XXXX
Consumer complaint received 2017-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

In XX/XX/XXXX, I contacted Navient to discuss my options of repayment on my student loans. I was told by the provider that I was not eligible for Income-based repayment, and instead would qualify for interest-only graduated repayment. At this time my loans had become overwhelming after a forbearance I was forced into due to my unemployment during the devastating XXXX layoffs. As I attempted to receive any relief from my provider, none was offered. In fact, it was difficult to hold a conversation with my provider whom did not seem to have the knowledge or desire to apply the best repayment program for my situation. It is only now in XX/XX/XXXX, that I called again to discuss repayment possibilities because I became aware of programs that apply to me that were never offered by Navient. And it is only now, Navient was more than helpful. As a XXXX I am eligible for Loan Forgiveness. I am also, miraculously, eligible for Income-Driven Repayment, which was denied to me before and will not do anything for me now that  Navient has collected all of their interest from my loans. It will actually only lengthen my payments to provide Navient with additional interest. I am very displeased with the prior service of my Navient provider. I missed out on very helpful programs that I was eligible for at the time they were denied or not offered. I made very large payments that were interest-only, only benefiting Navient and putting my family in turmoil. Navient has received a monstrosity of interest payments from my family due to their willful negligence of providing myself with the best suited repayment options and programs.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX and this statement is being generated by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-01-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (WI)

We were so happy, my boys and I until wells farg said they would not modify my loan. They gave me loans, using our house as collateral. My boys and I were separated after they watched me put everything on tables for a rummage sale and filed bankruptcy. I remember me crying with my youngest son and his words " mom your our hero " he went to live with his Dad which didn't work and my oldest with a friend which resulted in a XXXX which didn't go well. I've felt like a failed for 15 years, living with my XXXX XXXX XXXX mother I still cry. Then on XXXX 2022 being alone I decided to fight fight for my Grandchildren, myself, my kids. 15 XXXXXXXX XXXX not being with my family. Sitting in she'd I built in my mother 's back yard. I won't settle for less then what I could have now if wells fargo would not have said NO! I didn't have the chance to pay my dept, now at XXXX I suffer with NOTHING!