davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (GA)

I went into XXXX XXXX XX/XX/XXXX. My forbearance ended XX/XX/XXXX however due to a lapse with extending the forebearance in XXXX XX/XX/XXXX i was put in foreclosure status. I applied for a modification XX/XX/XXXX and was approved for a stand alone partial claim XX/XX/XXXX. However, I appealed it in an attempt to get a modification in addition to the stand alone claim. Since appealing i have had to completely start the process over again and submit paperwork already submitted and there has been little to no communication with anyone. i keep getting alerts that there has been an update to my SECOND application for assistance but when i log on there is nothing. The mortgage company keeps calling me with an automated message telling me to call them asap so when i turn around and call them back noone has a clue why i needed to call. I can not access my account or any information about my loan they have locked me out. Yet they keep sending me emails to my mortgage account communicating with me ( but locked me out ). They wont let me pay anything and can not obtain tax documents needed to do taxes. They also sent me a refund check for overage in my escrow last year that i did not receive until XX/XX/XXXX and then placed a stop on the payment but noone can tell me if it was credited back to my account. I call the attorney and cant get ahold of him. I am beyond stressed bc this process is so unorganized and impersonal. We seem to be getting nowhere and just backing up. This is a huge deal and life altering bc its my home and im asking that this please get resolved. Allow me to get this processed and done and allow me access to MY information regarding my loan so i may file my tax returns for the past XXXX years. PLEASE COMMUNICATE WITH ME. Calling me telling me to call you back is not communicating. This has been going on way too long.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

I received a email from citibank on XX/XX/XXXX for 5 % back on online purchases from XX/XX/XXXX through XX/XX/XXXX. I made 4 purchases on XX/XX/XXXX and they are only crediting the one transaction that posted within the day, they are not honoring the other three since they took 1-2 additional days to post, it does not say this anywhere within the body of the promotional email.
Consumer complaint received 2022-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

i did send XXXX notices to this corporation trying to provide remedy and did ask how i am to pay since XXXX XXXX  notes are not considered payment and are only debt notes ; this corporation has added negative statements to the credit report ; this corporation can not provide the original promissory note nor did this corporation fully disclose what the use of the promissory note was and did sell the original and did not include the beneficiary of the Estate in doing so ; attached you will find correspondences i did send to the company
Consumer complaint received 2019-08-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NJ)

Just recently I had a birthday and asked my father for assistance with catching up on payments that I was behind. The original amount I was past due was {$2200.00} I requested {$1500.00} in assistance from my father in hopes to apply it to my account to bring it current. After agreeing he asked me for the information to my account to make the payment and ensured me it was taken care of when I asked him if he was sending me the money. A few weeks went by and I received a phone call from a representative on the XXXX asking for payment to which I didn't understand. After speaking to the representative I learned that I was behind for the months of XXXX and XXXX to which an extension was granted. The agreement was to make the payment for XXXX on the XXXX. On the XXXX I found out that there was actually no way for me to make a payment at all and the amount due was for {$6100.00}. Confused I called the company and spoke to a few different representatives and was ultimately told that upon review of the account there had been checks mailed out on my behalf that were returned for ridiculous amounts which when asked, I was told checks written for {$9000.00}, {$9500.00}, {$9300.00} and one for  {$4500.00}. When asked which bank was listed as the paying account it was for a bank account I am not familiar with. I am positive this had something to do with my father and not only were these fraudulent payments not authorized by me, the original {$1500.00} I asked for was no where to be found, which I had requested as cash for my birthday. Now I'm facing a possible repo whether voluntary or involuntary, unless I can come up with the past due amount which exceeds {$5000.00}. When asked I was told the account is past due by 352 days which doesn't even make any sense whatsoever to me because I've only had the vehicle for a year which would have meant no payments were ever made since I bought the vehicle. I am attempting to get this matter resolved and this issue fixed so that I can keep the vehicle and get back on track because I am 99.9 % certain some sort of error has occurred and the wrong information is being reflected to the extent of either every payment for the last year has been returned or none of the payments I've made in the past year are being reflected. Every payment I've made has been going toward the interest which accrues daily and any payments toward the loan would apply to interest first not the balance of the vehicle meaning if any payments made were to be returned they would count against the interest not the principal of the loan. I can see the returned payments in the summary of the account but there is no information regarding where these thousands of dollars have been applied to any fees.
Consumer complaint received 2018-12-19
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. (CA)

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX   XXXX XXXX, XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX AKA XXXX XXXX ) XXXX , XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX ) XXXX, XXXX  XXXX
Consumer complaint received 2022-12-13
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: TRANSWORLD SYSTEMS INC (WI)

I have requested the removal of an account reporting from TRANSWORLD SYSTEMS on XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I did not open an account with TRANSWORLD SYSTEMS on XX/XX/2022 and this account does not belong to me. I have never opened an account with this company for any reason. I do not owe any money to TRANSWORLD SERVICES. TRANSWORLD SERVICES is reporting that I owe their company money to the three credit bureaus XXXX, XXXX and XXXX. I do NOT owe any money to TRANSWORLD SERVICES because I have never opened an account with this company for any reason.
Consumer complaint received 2022-03-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (TX)

NCB Management Services of XXXX XXXX  XXXX XXXX, XXXX XXXX Contact number XXXX. Per my XXXX credit file dated XX/XX/XXXX, File No. XXXX NCB illegally put a hard inquiry on my credit file on two different dates XX/XX/XXXX & XX/XX/XXXX. I have never done business with this company or given this company verbal or written consent to access my credit file. The fraudulent actions this company have taken against me has resulted in the denial of credit for lenders, which goes against the FDCPA guidelines. I am requesting the hard inquiry and any collections this company put on my credit files be removed.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CA)

My car was repod on XX/XX/XXXX ... i payed to retrieve my car on XX/XX/XXXX. Was unable to physically pick up my car until XX/XX/XXXX bc my car was shipped to auction with the intent to sell prematurely. After getting the run around and having property stolen out of my car which a police report was filed. I was still within my 15 days of redemption. The finance company credit acceptance corporation reported on XX/XX/XXXX that the account was closed and a reposession was placed on my credit report. After i spoke with them repeatedly during the XX/XX/XXXX-XX/XX/XXXX time frame and treated like i personally stoke money owed each rep they said the account was still open and now i have {$3000.00} additional added to my already high car loan and when Im only late around {$1400.00} and i paid {$560.00} to get my car back. This is legit a predatory lender and they lie to get the funds they want. Im already paying extremely too much for a car that was a lemon when they financed it and have spent well over {$2000.00} in the last 3 months to fix it. Regardless of late payments i dont need incorrect information reported on my credit report. I would like this resolved just as quickly as it was reported. Since yall were so quick to try and sell my car before my time was up. I already called and was to have someone in credit reporting look into it yet all i get was remarks. No the loan is still open and i would like it reported accordingly.
Consumer complaint received 2018-05-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BOK FINANCIAL CORP (OK)

I have previously filed a complaint to you guys but there has been no changes and it continues and I think the bank has decided to ignore my concerns. Any time I try to do transactions through the phone process they tend to put me through a cumbersome process which they do not apply to other customers because I sound different and I have a peculiar name. The policy of the company is for you to go through the authentication process through their automated process and when you finally speak to a representative of the company they just ask for your name and thank you for going through the authentication process. But, for me they further continue to ask me further questions I have asked other friends of mine who are white or have American names and they tell me they do not go through what I go through. I have spoken to several managers over this and they say they would make a complaint to their management on my behalf but I have noticed they do nothing about it any more. I have spoken to a particular manager called XXXX about three different times I think they see me now as a nuisance to be ignored. I feel am treated differently and they do not care as I think from my dealings with them the moment you sound different they place a higher verification standard on me. I think I need an apology from them and i also urge you to order them to train their employees that there other people from other country with different values and culture that sound different
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Inaccurate information placed on my credit report without my concent. I asked for proof but none was giving.
Consumer complaint received 2018-12-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank Home Mortgage has been over-charging me in property taxes because their employees are inept. They have yet to go to the County Tax Office for the correct amount of taxes due. This has been an on-going problem with Wells Fargo Bank Home Mortgages for many years now. A Wells Fargo Bank employee gave out my mortgage loan account # to known mortgage fraud criminals, who were charged and convicted of this crime. Yet, Wells Fargo Bank, Home Mortgage claims they have no knowledge of this  criminal activity. Wells Fargo Bank always denies everything until they are fined and forced to give back the money owed to the customers. Wells Fargo Bank employees work with Drug Cartels to launder money. Wells Fargo Bank employees work with Mortgage Fraud criminals, as they did in XXXX, TX with my account. Wells Fargo Bank hired those individuals who lost their positions on the Banks that were allowed to go under in XXXX. I have been having problems with Wells Fargo Bank ever since this time. Wells Fargo Bank on-line site was hacked and 2 payments were stolen from this site in XXXX and again in XXXX. Wells Fargo Bank, Home Mortgage  misapplied 2 of my payments in XXXX. My loan has been paid in full. Yet Wells Fargo Bank continues to add service fees in the amount of $ XXXX a month on a loan that has been paid in full. Wells Fargo Bank, Home Mortgage  still is missing all payments made in XXXX. Wells Fargo Bank, Home Mortgage does not have an accurate account history and is falsifying my mortgage account, just to try an line their own personal pockets.
Consumer complaint received 2018-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (ID)

I had called at some time because I was having financial struggles as a single new mom and no one to help support me and I was told I could make a {$10.00} payment for 10 years and then the loans will have all been forgiven. Later in the course of my loan they either cancelled it or told me I had to re apply for a " income based repaying '' plan .. which I did not understand and since then I have been on this repaying plan paying nothing! I was confused at the time but continued to do what I was told. I am concerned now that I may have been taken advantage of because I had no knowledge of the bait and switch they were pulling on me. I want my original agreement to be honored. This is not fair.
Consumer complaint received 2019-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2019 I wrote a check to a person that holds an account with Wells Fargo for the amount of {$4000.00} which, for whatever reason, he decided he wanted a different amount when he went to cash that check. The teller at the branch located at XXXX XXXX XXXX XXXX in XXXX XXXX, Texas gave the check back to the account holder who subsequently returned it to me for me to destroy, which I did. Later that day I found out that Wells Fargo erroneously cashed the check and deposited the money into the account holder 's account. Wells Fargo immediately reversed the transaction and took the money out of the account holder 's account. On XX/XX/2019 I visited the branch with the account holder to ascertain how Wells Fargo would return the {$4000.00} to me. XXXX XXXX instructed both myself and the account holder that within 24 hours I should see the money in my XXXX XXXX checking account. That was on XX/XX/2019 and I still have not seen that money. After numerous complaints to the CFPB I was instructed to provide Wells Fargo with instructions on how to get the money into my account, which I have. I was also instructed to file a claim with my bank to have the transaction reversed. The responses that Wells Fargo have provided to my numerous complaints have instructed me to file a claim with my bank to reverse the check. My bank has filed the claim with Wells Fargo but has not yet heard back from Wells Fargo. XXXX XXXX at the branch has instructed the account holder that the money is no longer with Wells Fargo, which is a lie as the money is not in his account and is not with XXXX XXXX or in my account. Wells Fargo is holding onto the money and refusing to return it to its rightful owner.
Consumer complaint received 2018-12-19
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. (CA)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC (MO)

On XX/XX/2017 I found myself ill and in need of care. I attempted to receive care at the XXXX quick clinic in XXXX at XXXX and XXXX in XXXX XXXX. 

The provider on duty dismissed me as having a XXXX without even examining me. A short time later I had to seek emergency care because I didnt receive care the fist time ... in fact my XXXX XXXX XXXX, which the XXXX would have been seen had I only been examined. XXXX then had the audacity it charge my insurance over {$150.00} for not even examining me. I have tried reaching out multiple times to XXXX to resolve my complaint and the debt ; most recently speaking with XXXX in the provider complaints department. 

She assured me the clinic administrator would call me. That was three weeks ago. I have now been turned over to collections ( XXXX XXXX XXXX. ) even though I have tried disputing the debt twice with XXXX billing department and have attempted to speak to XXXX   to resolve my complaint and the debt numerous times in the last several months. 

Billing said someone would reach out after I placed the dispute on the account, but no one ever did. On top of speaking with the billing department I have attempted to contact XXXX   via email, XXXX and even their main number. 

Please help.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (VA)

Comenity Bank is the administrator for several of my credit cards. The portfolio includes XXXX XXXX, XXXX, XXXX XXXX, and Victoria Secret. I have made consistent payments ( monthly basis ) since the acquisition. In XX/XX/2021, my credit limits were reduced. The changes occurred on a recurrent month basis since the original date. 

The company ( Comenity ) has intentionally reduced the limits. In turn, impacting debt-to-income ratios and ultimately manipulating credit scores. These are predatory and targeted practices to oppress and marginalized economically restricted citizens. 

Since then, I have requested the accounts to be closed. I am also reporting these situations for Government to be aware and take measures to ameliorate systemic inequities used in the corporate world to repress the working poor.
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (MO)

I opened a XXXX  credit card on XX/XX/2013. I used it, paid off the debt and closed it XX/XX/2013. It is still actively on my account and is effecting it negatively even though ive never missed a payment and ive closed it. It is also being stated as a current account.Ive asked for pay to delete but the company says they can not delete it off my credit report
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

After having signed up with Experianidworks.com for credit freeze ( offered by Experian for free in view of recent data breech ), I found it very hard to remove such freeze. There is no information regarding it online on my membership page, so I called and spent a long time on the phone with the agent, however, they were not able to remove the freeze. Then they gave me another number - that of XXXX. XXXX was able to resolve the credit freeze on their end, but I have not been able to get a hold of any live agent from Experian. Their automated system can not resolve my issue, and they don't have an option for live rep. I find it a violation of my consumer right to cancel a service when I no longer need it.
Consumer complaint received 2020-07-31
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. (FL)

AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE TO SOMEONE USING MY IDENTITY. AS I AM TRYINGB TO GET THAT TAKEN CAR OF, I DECIDED TO GET MY CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS AN UNKNOWN ACCOUNT THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-06-05
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, THE XXXX XXXX XXXX ACCOUNT IS FRAUDULENT AND NOT MINE, THE CHARGES AND THE LATE NEGATIVE REPORTING IS ALSO FRAUDULENT AND NOT MINE. PLEASE UNDERSTAND MY REQUEST AND REMOVE THIS FRAUDULENT ITEM FROM MY CREDIT RPEORT, PROFILE.