davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

My husband, XXXX XXXX XXXX, recently passed away. He has a checking account with Wells Fargo bank. In 2013 my name was also on the account and for personal reasons we decided to take my name off from the account. I went with my husband to the bank to do this. My husband requested that I remain on the account as beneficiary only. When I went in with the Cert. of Death and all necessary paperwork ( even marriage cert. ) to close his account I was informed that my husband had no beneficiary listed on his account. Clearly this was an error made by the person who handled taking my name of from the account in 2013. They neglected to list me as a beneficiary. I was told I would have to go through probate to claim the account. There is only $ XXXX.- {$60.00} remaining in the account. Probate would likely cost me more than that. Although, to many that is n't much money, I am alone in Florida with no money right now. It is important to me. My husband had been XXXX and unable to work for about a year and I cared for him. I am eating with an EBT card and only receive $ XXXX./ month Social Security. Unfortunately, in the absence of my deceased husband, there is no authority at the bank to correct the error made in 2013.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

My issue with Capitol One started. When the secondary owner on an account called customer service to have him removed from the account. Somehow during this process my account was frozen and locked. I called in and they told me that I needed to have my husband call back in to resolve some issue. He did and I called because my account was still frozen. They said that he didn't call in. We ended up doing a XXXX way call and got transferred to the customer protection department where someone hung up on us. We called back in again and we got ahold of someone who seemed to know what they were talking about. Turns out My husband had all ready called in and resolved the issue. Not sure why the other reps weren't able to see, and telling me it still hadn't been done. I was told at that point that I would not be able to use that account anymore. I would need to open a new capitol one account, and transfer funds over. I created a new account called back in and they transferred to money. I told the lady that i was still expecting a direct deposit to come thru so i wanted to leave some money in the account. They told me they would be transferring my old debit card to the new account. I attempted to use the card and it didn't work. When I called someone told me that I would not be able to use my old debit card with the new account. I also asked why my direct deposit hadn't come thru yet. She told me the account was closed, and would not be able to accept that deposit. I would have to wait until the deposit was received by my employer. I asked an account manager to provide me with a letter explaining what happened. I wanted this to inform my creditors that I would be able to pay when I received my funds. Capitol one refused. They offered me a very disappointing apology and failed to explain what steps they would take to prevent this from happening in the future. Dont use Capitol One because : Service reps are poorly trained Service reps provide in accurate information Service reps may close your account without your permission Capitol one forces you to call in multiple times because they fail to correct the issue the 1st time. 
Capitol one doesn't care about their customers
Consumer complaint received 2015-06-20
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Professional Credit Management, Inc (MO)

Professional Credit Management Inc hired a lawyer and filed suit on XXXX XXXX, 2015. I have not been notified by mail that they intended to pursue the matter in court, and was given no opportunity to discuss any potential settlement or payment.. I have not as of XXXX XXXX, 2015 been notified of their intent to sue or that they have actually filed suit as of XXXX XXXX, 2015. Research indicates this company has a D rating by the Better Business Bureau. This company has not called me as it does not have my phone number.
Consumer complaint received 2019-02-23
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: Experian Information Solutions Inc. (GA)

I contacted Experian TWICE, in regards to information on my credit repo that has been investigated by law enforcement as fraud. Ive never lived in South Carolina where these accounts were opened. I provided them with the police report and a letter requesting that they remove this erroneous information immediately. In addition I contacted the creditors and provided the same information. I was told by the creditor that if I paid a settlement amount that they would remove the information from my report. I called Experian and advised them of that conversation. I told the representative that it appears that both the creditor and Experian are involved in a crude black mail system to force payment from consumers seeking relief from the effects of indentity theft. The Experian agent told me that by law they are required to report the information provided by the creditor .... I then advised him that the FCRA requires you to report ACCURATE information.. refusing to remove information that has been documented by law enforcement as fraud to assist the creditor in blackmailing the consumer into agreeing to a settlement to remove the information is FRAUD ... Experian is taking fees on information they know to be erroneous and fraud. Where is our protection from these predators?
Consumer complaint received 2016-04-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Experian keeps reducing my score by XXXX points due to a late payment and I have no recent late payments I have to spend an hour on the phone once a week to get them to correct they keep doing this because I am disputing an item that they should was late almost 2 years ago
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AL)

Applied for a modification with Ditech at the beginning of XXXX. Called repeatedly and was told they did not receive the package and ask for more documentation which I would fax and mail repeatedly. This went on for months and finally in XXXX they indicated they had finally received everything. In XXXX I received a letter from XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX. stating the mortgage was in default. I contacted Ditech and was told to disregard the letter and it would take 30 days for them to review the modification package. On XXXX/XXXX/XXXX there was a foreclosure notice published on my property. I contacted XXXX XXXX XXXX to find out if anyone was going to let us know about the foreclosure because we have received NO type of notification or letter from Ditech or XXXX XXXX XXXX, XXXX. and was told that I obviously did not know how foreclosures worked. I ask for a payoff and was told it would have to be requested and sent to Ditech which they were doing. As of today XXXX/XXXX/XXXX I have still not received anything from anyone. I called Ditech today to request a payoff and was told they could not give me a payoff only a reinstatement amount of {$21000.00} food through XXXX XXXX, XXXX. I was told I could not payoff my mortgage at this time that I would have to pay the reinstatement amount first then they could give me a payoff. I explained that we are trying to sell the property but we must have a payoff to know how much to list the property for. Again was told I could not pay off my mortgage balance. I asked if the call was being recorded and was told yes. I am attaching the one and only letter that I got Ditech to email me on XXXX/XXXX/XXXX. They indicated this letter has been mailed to us XXXX XXXX, XXXX but we never received it by mail. Was told today another letter had been mailed on XXXX XXXX, XXXX giving us a breakdown of everything but as of today we have not received anything and when I ask for the representative to please email me the letter that was supposedly mailed out, she hung up on me.
Consumer complaint received 2019-02-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (FL)

My name is XXXX XXXX I went to a clinic that was outside of my medical insurance network and unknowingly they charged me a copay. When I presented the receptionist with my insurance card she assured me that They were in my insurance network which was deceptive and misleading. This debt has been ruining my credit making it hard for me to get a job or bank credit cards I reconciled this bill already with the medical company. Please help me to remove this debt from my credit.
Consumer complaint received 2015-09-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (AZ)

Robo calls asking for someone not me. As instructed I press XXXX to indicate I am not the person they want but the calls continue several times a week. They say to call XXXX XXXX at XXXX XXXX XXXX.
Consumer complaint received 2015-09-24
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (NY)

On XXXX/XXXX/2015, I took a cash advance from a XXXX ATM for {$200.00}. But the ATM did not dispense the money. For TWO HOURS NOW, I have repeatedly called US BANK to put the amount in dispute. This is a simple dispute! I kept getting transfered, claiming they did know how to dispute it or it is against bank 's policy to dispute cash advances! I know this is a LIElThese are the following LOW BELL CRAWLERS who gave me a hard time! 
XXXX/I have to transfer you to my supervisorXXXX/ XXXX XXXX / XXXX XXXX/transfered to the fraud dept., where another XXXX answered and then disconnected meXXXX/I have to transfer you to another dept. 
XXXX/It is against bank policy to credit cash advabcesXXXX/I have transfer you to my supervisorTHESE ARE DELIBERATE STALL TACTICS TO KEEP ME FROM GETTING MY MONEY BACK! 
I want all of them fired, BECAUSE THEY LIED ANDI WANT US BANK HELD ACCOUNTABLE FOR THESE XXXX, XXXX, XXXX, BECAUSE THEY ARE UNAPOLOGETIC THIEVES! 
I want my money back plus all fees!
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

Ashley Furniture XXXX. They billed my account for 400.00 additional dollars without notifying me upon my first in store order. 
XXXX. They delivered a damaged item and made me go through the warranty process instead of replacing it with a new couch with a value of 4000 dollars. 

I am disputing the account and requested that they pick up the item and cancel the order but they sent a repair man instead. 

I went into the XXXX XXXX store where the couch was purchased to disucss and he advised that they would replace with a new unit. They did not and after that visit I was not contacted by XXXX to schedule the delivery of a new Couch. 

They caused my credit to drop by 30 points due to the over limit amount please request that they remove any discrepancies from my account.
Consumer complaint received 2015-08-22
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (CA)

Key bank transferred my balance to Elan Financial and rate went from 9 % to 15.99 % ... I have not been using this card and working to pay off the balance ... .Never late ..maybe once a few days and most often pay overlimit ... Trying to pay off still owe {$10000.00}. not aware ofthe ability of them to just raise the rate but read hear maybe not correct?
Consumer complaint received 2017-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (CA)

I have been trying to obtain a HAMP loan modification with Seterus on an investment property I own. The original modification was filed prior to the HAMP deadline. My income falls within that which HAMP allows for investment properties. I have provided all the paperwork requested by Seterus. Whenever I call they try to steer me to other solutions instead of a loan modification. Since HAMP allows for loan modification on investment properties I am very upset and frustrated.
Consumer complaint received 2024-03-19
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (CA)

As of now, wilshire consumer credit, are in fact not only a loan company, a legitimate XXXX XXXX XXXX I have seen vehicles leave their back lot and come to my city to follow ME AROUND. This company is a bunch girly men that think they are tough. It's annoys the amount of men from their company wear dresses. I have proof. Vehicles they use. They have sum XXXX on me and I am tired of it, law enforcement will not get involved. Next is good old fashion old west style vigilante style pain to the whole company. I am 100 % a XXXX So you are my last resort XXXX I take the law into my own hands.
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (FL)

As a result of the pandemic, the servicer XXXX Mortgage provided a XXXX month deferment, and then transferred the account to SN Servicing at the end of the deferment period. Despite being unemployed and ill, I tried to bring the loan current. SN Servicing 's proposed loan modification required me to pay {$1200.00} per month for 5 years, up from {$790.00} per month. I declined the offer because of the high possibility of something going wrong for a house built in XXXX with maintenance requirements. As of now, I have paid more than {$4000.00} in catch up payments. A statement claimed that the investor would lock my online account because of the small payments I've been making and wants me to pay a lump sum in order to bring the account current. Prior to a personal matter I had stated I would attempt to bring the account current by XX/XX/XXXX, but a relative had to step in and make the small payments of {$660.00} and {$150.00}. I feel that SN Servicing, which handles distressed loans, has threatened me for defaulting on the loan despite paying off more than XXXX of the past due amount in less than two months. Rather than losing my home, I do not wish to feel emotionally disempowered because I am threatened with a loan I am very close to bringing current.
Consumer complaint received 2016-06-02
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I had a flood in my home earlier this year due to refrigerator line leaking. I sent my insurance checks to Dovenmeuhle Mortgage company 3 MONTHS ago. For the past month, they have had all requested ( and needless ) paperwork completed and a promise to have their inspector set up an appointment so the repairs can be verified. One month and many conversations, and emails later, and I have yet to hear from an inspector. In the meantime, I 'm out $ XXXX, AND I 'm paying interest on my credit cards because of all the work performed.
Consumer complaint received 2016-03-03
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (NV)

I 'm handling the estate of XXXX XXXX XXXX. I know he has a balance due to Wells Fargo for a credit card, but I do n't know the amount. I have called and tried to reach a human there to no avail. They leave me messages from the " Deceased Management Office '' with Reference No. XXXX, and they tell me to call ( XXXX XXXX XXXX. When I call, I wait on hold and no one ever picks up my call. I 've waited as long as XXXX and 20 minutes before. I want to close this estate, but I have to pay all the creditors first.
Consumer complaint received 2016-04-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UMB FINANCIAL CORPORATION (KS)

On XXXX XXXX, 2012 UMB Bank ( XXXX XXXX ) a national bank did, without permission, disclose over XXXX pages of personal financial information concerning our family trusts. In violation of the Missouri rules of civil procedure, XXXX failed to notify the conservator or beneficiaries of the disclosure. After the disclosure a bank representative called our lawyer to inform him of their action. Our lawyer then informed us.
Consumer complaint received 2024-02-23
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. (FL)

Please be advised that as of XXXX as listed on my most recently reviewed consumer credit report, there are several fraudulent / unauthorized inquiries listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I am hereby notifying you that these inquiries are fraudulent and neither on those dates or dates similar did I authorize any individual from Equifax to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.
Consumer complaint received 2015-10-29
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (FL)

I took out a reverse mortgage with Reverse Mortgage Solutions, in the amount of XXXX, XX/XX/XXXX. I was delinquent in my taxes and insurance, so they agreed to redo my agreement and let me pay them back monthly, which I did, faithfully, every month. I have been putting money in a savings account to pay this year 's taxes, and took out an insurance policy to cover the mortgage this past month. I had a verbal agreement with the woman handling my account to pay back the loans for the taxes and insurance. On XX/XX/XXXX, I got a letter in the mail from Reverse Mortgage Solutions, telling me that I needed to pay off the full amount of the loan, or go into foreclosure. I called the lady today, however she told me that her boss decided to not renew the loan, and instead asked for the full payment of the loan, or go into foreclosure. I am a XXXX, retired person with no job and no way to pay off this mortgage, which was not my original agreement in the first place. Every one of my conversations with my contact were recorded.
Consumer complaint received 2017-01-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: EQUIFAX, INC. (GA)

XX/XX/2016 I XXXX disputed XXXX late payments on my Equifax credit for my car loan company which is XXXX. I spoke with on of the supervisor with XXXX her name is XXXX XXXX who lied and gave me a fake confirmation saying that she talk with Equifax the loan will be place on my credit report. I called Equifax and Equifax informed me that XXXX have not submitted any paperwork. I had my lawyer to send Equifax and XXXX a certified letter to inform the companies about my complaint and once again both companies are not following the laws. As of XX/XX/2016 I have paid the total loan off and XXXX still havent place the loan for {$360000.00} on my credit report with out the XXXX late fee. My account # XXXX. I would like for these companies to place the loan amount on my credit with the late payments.
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

Equifax has been reporting incorrect information on XXXX Account # XXXXincorrect Open Date incorrect Payment incorrect Last PaymentXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CO XXXX Phone : ( XXXX ) XXXX times Equifax failed to verify correctly