davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN XXXX XXXX Credit Bureaus XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (TX)

The company sold the account to NCB Mangement Services Inc. NCB continued to call even though I told them I could not pay anything due to being unemployed, and then calls became more frequent to the point they started to reach people in my family about the debt.
Consumer complaint received 2021-08-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NJ)

We have an FHA mortgage. We had refinanced with FHA streamline ( XX/XX/XXXX ) and our first payment was XX/XX/XXXX. Our Principal Balance was {$390000.00} ( monthly payment of XXXX ). We entered into Forbearance due to job loss/salary loss from Covid in XXXX of XXXX. We were on forbearance for one year. We exited the program in XXXX of XXXX and qualified for the Standalone Partial Claim to the amount of XXXX. we have been making out payments of XXXX ( the new amount after the SPC ) We are currently attempting to refinance said FHA product and enter into a conventional mortgage vehicle. We were contacted by our mortgage broker that our credit reports have the mortgage as " Under Loan Modification other than government program '' which has propted several of our CC isuers to lower creditlimits and increase interest rates. We contacted Amerihome on XXXX and have yet to have this corrected being told ... '' they are all reported this way ''. That being said when we recieved the payoff letters we were startled to see that the mortgage requies a payoff satsifaction amount of {$380000.00} and the stand alone partial claim has a payoff of the aforementioned {$37000.00}. This total is {$29000.00} more than the original loan amount. When I reached out to Amerihome on XX/XX/XXXX I was promptly given the runaround and over the course of a dozen calls with 9 hang ups and a 3.5 hour hold which I gave up on. No one could explain where this additional XXXX comes from or where we agreed to pay said amount when entering/exiting forbearance. I was supplied with a payment breakdown for the XX/XX/XXXX payments which brought us current but no answer as to how this additional sum has come into existence.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (OH)

During the transfer of my home loan to new lender, the Escrow amounts were partially transferred and the new lender asking to pay penalty because of shortage in funds.

So why the customer is responsible for the shortage of funds, which was not done by customer.

And I have already paid the Escrow as part of taxes and insurance, but the statement is misguiding and even Customer Representatives are not FULLY aware of it and simply hung up on me, instead to explain where the Escrow balance funds are gone.

I was so frustrated with calls and not understanding why the customer is responsible for their mistakes.
Consumer complaint received 2020-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (PA)

I have called a dozen times, sometimes waiting on the line for up to 2 hours. Spoke to numberous reps and even escalated to supervisors 3 times. Every time they say they have released my funds for a card to bank transfer. Every time it does not work. I have my funds being deposited automatically from PA pandemic unemployment to the US Bank Reliacard. I did not choose this. They mandated this procedure. I want to transfer the funds to my regular bank checking account XXXX XXXX XXXX ). I have not been able to access my funds for approx. 6 weeks. They admit they have received my license id which I uploaded twice to their bank using their document upload process. They say there is no reason for a hold yet I can not access over {$2800.00} in funds.
Consumer complaint received 2019-08-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Associated Credit Services, Inc. (NJ)

This bill. Was from last summer I am XXXX  and tried to get help with half the bill for XXXX$ from XXXX XXXX XXXX. They will not work with me knowing I am XXXX  the lawyer is a thief I will also contact a lawyer for false info on me. The company does this to all thee lower class people. Associate Credit Services. I will be contacting a lawyer for threats that have been made and not willing to negotiate a deal with a XXXX  XXXX  man
Consumer complaint received 2020-11-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

I bought out the lease on my vehicle on XX/XX/2020. A lease payment went out the same day, resulting in an overpayment of {$350.00}. I spoke with a rep at KIA finance in XXXX and was told the overpayment would be reimbursed by a certain date. After I pointed out that date had passed and I still hadn't received the payment, no added action was taken on behalf of KIA finance to refund the payment or even contact me to discuss the matter.
Consumer complaint received 2019-08-18
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 continues to report late payments on closed accounts which have been disputed by me as incorrect reporting between XX/XX/XXXX-XX/XX/XXXX.Equifax has repeatedly failed to do a reasonable investigation and/or provide their method of verification for these alleged "verified" inaccuracies.The following accounts  still include errors and/or possible violations of the FCRA.•XXXX XXXX XXXXa)Account closed XX/XX/XXXX;(29) Late Payments reported from XX/XX/XXXX thru XX/XX/XXXX.b)Date of Last Payment inconsistent with Payment History.c)Balance $XXXX larger than High Balance/High Credit of $XXXXd)Balance being reported on a Sold/Transferred account.e)Date closed incomplete•XXXX XXXXa)Account Closed XX/XX/XXXX; (7) Late payments reported from XX/XX/XXXX thru XX/XX/XXXX.b)Date closed incomplete•XXXX XXXX XXXX a)Account closed XX/XX/XXXX(31) Late Payments reported from XX/XX/XXXX thru XX/XX/XXXX
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (NJ)

i have been an active loyal customer since XXXX I have made my payments and always keep healthy credit score however they have lowered my credit score so many times XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX , now again XXXX to XXXX $ this has made a drastic impact on my credit score of XXXX points over time. I feel like its unfair i use my card any make my payments as well.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Renton Collections Inc. (AZ)

This account was removed from my credit report, then they turned around a few weeks later and put it back on the report.this can't be legal.this company does this alot to other people and it shouldn't be allowed.this is bad business.
Consumer complaint received 2019-08-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

IQ Data International keeps raising the original debt collection amount. Collection opened in XX/XX/2019 with balance of $XXXX, now it is $XXXX. The account was reporting closed via XXXX XX/XX/XXXX (screenshot of proof provided) and now it has been reopened. I received calls back to back from this company from many different phone numbers and also was left 2 voicemails regarding the debt. The original creditor XXXX XXXX, withheld my apartment deposit to pay towards the collection. That money has not been applied. All previous staff of XXXX XXXX   mishandled paperwork and an Apartment fire resulting in the loss of my apartment and were fired under those circumstances.
Consumer complaint received 2022-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CO)

I sent a certified cease and desist letter to waypoint on XX/XX/2022 and it was received on and signed for on XX/XX/2022. fraudulently attempting to collect a debt not owed. According to 15 usc 1692c ( c ) after a debt collector receives the debt collector to cease further communication with the consumer, communication is defined according to 15 U.S. Code 1692a ( 2 ). The term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY medium. Waypoint is still falsely reporting on my credit report after receiving the cease and desist letter from a debt that I do not owe.
Consumer complaint received 2019-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

Earlier this year, my wife and I tried to log into our Citi Card app, at which time were prompted to accept the terms of use in order to log into the account.  What we didn't know at the time we accepted the terms of use, was that we agreed to paperless billing.  This was not disclosed to us at the time, and we have never had paperless billing, since 2008 when we signed up for the card.  Two months later we received a letter that our credit score had changed, which was a surprise to us, because we have always had close to 780-790 credit scores.  When we called Citi to ask about this letter, we were then told that we had not paid the previous 2 months bill.  We explained that we never received a bill in the mail, at which time they disclosed to us that we elected for paperless billing when we accepted the terms of use, "because is it what most people do now a days".  Our balance at the time we got the letter was $XXXX, I could have paid the balance the first month, but did not realize that we had elected unbenost to use paperless billing.  I sent a letter explain the circumstance to Citi, and they basically said tough luck, no one in the call center could help me at all after multiple calls and the only way they said I could get an answer was via letter.  After I sent the letter, they sent me back 3 different letters, saying that they understood I no longer wished to dispute the credit reporting. I never expressed that in my letter and again could not get a single representative to help me in this process.  I did not mind paying the balance, but the negative credit reporting that Citi did has greatly impacted my wife and I ability to refinance our mortgage, and again I am not getting any help from Citi Cards in the matter.  Your help in this matter is greatly appreciated,Regards,XXXX and XXXX XXXX
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (KS)

No one will answer me after waiting on hold for 1 1/2 days. I can not get into my account online and I am getting an email stating I need to call a number immediately if I did not ask for/change my status.
Consumer complaint received 2021-01-25
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: EQUIFAX, INC. (GA)

I have talked to this company several times about inquires and bankruptcy that were reported incorrectly. I have also told them about addresses that were not mine. I have spoken to the Bankruptcy office and they stated that they did not give XXXX  or Equifax the information they have provided on my account. I have also spoken to the police department and they stated that they would not give me a report for any inquires. I have stated to them if I report something that is not mine, it is their job to find out why they are using my social number. XXXX  states that they want me to get a police report but they will not give one for that.
Consumer complaint received 2020-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This account with XXXX  XXXX  was disputed with Transunion and creditor and closed on XX/XX/20 but is still showing on my report when is was supposed to be deleted, this account has also been deleted from my report before but keeps appearing back on my credit report which is a violation of the law
Consumer complaint received 2020-12-08
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: CITIBANK, N.A. (VA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX  add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX and XXXX 
On XX/XX/XXXX, CITI CARDS CBNA add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-10-16
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020 I did express send with an amount of {$650.00} to a family member to the bank XXXX in XXXX. But on their end is showing that their was no money sent to the account.
Consumer complaint received 2020-12-08
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: WELLS FARGO & COMPANY (VA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Transunion report XXXX 

The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. 

This item shall be removed.
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX has that I owe them {$1500.00}. However the orginal creditor has that I owe them a complete different amout. Im confused, this debt is in question to me. Should all amounts be listed as the same or is XXXX XXXX  ingaging in some illegal collection tactics? Please explain such to difference to me so I can fully understand. 
Thanks in advance
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Current mortgage servicer is obstructing refinance with other mortgage company in which loan has been approved. 

When government announced to close business due to the Covid-19 my husband was temporary laid off and we requested forbearance from current mortgage servicer which was granted at the time. We missed a couple of months and later in XX/XX/XXXX we started to make monthly payments in full and servicer accepted payments as usual. ( According to a representative from Shellpoint loan was out of forbearance around XXXX ) By XX/XX/XXXX I decided to refinance and and I contact a mortgage company which later in XXXX I was notified that my mortgage loan had been approved with the condition of a letter from mortgage services stating mortgage was out of forbearance. 

According to a representative from mortgage servicer my mortgage was out of forbearance but I never received a letter. I requested such letter several times in different ways ( over the phone, fax, email ) but letter never arrived and every time I called I was told a different story. 

During the time of my refinance I needed to be current with my payments. However, after payoff was received and wanted to pay my mortgage payment it was rejected and I had to sent certified mail because Please note that Mortgage servicer is obstructing my refinance and I already lose an opportunity to obtain a better rate. Now the rete I was offered by the mortgage in which I apply for refinance expired and the only two options I have is to accept a higher interest rate or extend rate which both options are very costly.
Consumer complaint received 2018-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST MIDWEST BANCORP, INC. (IL)

First Midwest Bank is a predator for poor people. 

I am constantly charged excessive overdraft fees even when my account is not in the negative. I estimate about {$500.00} a month in over drafts and extended over draft fees each month from this bank. 

In the month of XXXX I deposited a total of {$5500.00}. I spent a total of {$4100.00} and I paid a total of {$490.00} in overdraft fees. 

XX/XX/2018 I received a direct deposit for {$920.00} and received an Overdraft fee of {$32.00} the same day. 

XX/XX/2018 the day of my direct deposit I got an over draft fee the same day for {$36.00}. 

On XX/XX/2018 I reviewed a direct deposit payment of {$1800.00} I made purchases of {$180.00}, {$12.00}, {$1500.00}, {$3.00}. and the next charge that exact same day is a CONTINUOUS OVER FRAFT FEE FOR {$32.00}. 

On XX/XX/2018 I has a direct deposit go in for {$1800.00}. My account was not in the negative however the following day I was still charged an overdraft fee. 

On XX/XX/2018 I deposited cash to cover a check that had not yet cleared my cash was held the for days and I was again charged an overdraft fee even though I provided funds to cover it. 

If you deposit cash in a branch or at the ATM it is held like a check. This bank does not trust CASH. 

No transaction is ever declined. They will except any transaction rather you are in the red or not in order to charge more fees. 

There are virtually no ATMs for this bank except for the branches so you are charged fees from both First Midwest and the ATM service to access any cash. I have been charged as many as 5 overdraft fees in one day. 

You don't even get until the end of business to cover a transaction if it posts early. I get charged a fee before a transaction is even cleared. 

Almost half of my income is going to overdraft fees. It has become impossible to manage my account because of this. I make $ XXXX a year and I can barely cover my living expenses because First Midwest is  literally robbing my account as soon as I get a dollar. 

They have never offered me a resolution. I find a way to justify each transaction and will even go so far as to yell at you. I fell like a victim. This is the worst back I have ever done business with and I have had a bank account since I was XXXX and I am now XXXX years old.
Consumer complaint received 2022-07-20
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: OneMain Finance Corporation (GA)

My information was compromised online, & someone used my identity & banking information to open an account online in my name without me noticing until I checked my credit report. The company with the loan in my name thinks its me because my information was stolen which is fraud but they do not care. company called one main financial
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

( # 1 ) On XX/XX/2020, i sent a document stating that i have flood insurance through my insurance company XXXX XXXX XXXX. Mr Cooper continues to charge me in escrow stating that i don't have the required insurance even though i showed proof with policy number and contact number of my insurance agent. 

( # 2 ) On XX/XX/2020, i asked to pay down my home loan to a manageable amount. Mr Cooper refuses to allow me to pay into my principle amount since they make money off interests. 

Contacted MrCooper by phone and sent numerous emails through their portal system numerous times as well as asked for help on their social media platform. 

Although they stated that they would help, i have yet to hear from them besides the usual verbiage of customer outreach.