davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-01
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Our mortgage escrow account has been in a shortage since about XX/XX/XXXX and our payment keeps changing. We told XXXX we were moving to XXXX and renting our property. We were exempt from property taxes because we are both XXXX veterans. Our taxes at that time was then added back to our XXXX tax account. XXXX XXXX appraisal district said they would inform our mortgage holder of the changes.The property has been our primary residence since XX/XX/XXXX. We 've tried numerous times to get our mortgage company PennyMac to remove our escrow account because our payments are too high and we want to pay our taxes directly XXXX. PennyMac refused because they said it is in our truth and lending statement that we signed with XXXX Bank XXXX during our loan agreement that said we would have to escrow taxes/insurance. PennyMac in another conversation said by law the XXXX XXXX requires an escrow account for taxes and insurance. They also stated our mortgage balance is not 80 % loan to value to remove the escrow account in a different conversation. They tried to offer us loan modification after we asked, but turned out we would have to ruin our credit for them to help. The letter said they would put 30 days late on our report during the process and so we decided that would not work for us.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — Store credit card
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: STERLING JEWELERS, INC. (NC)

Hello, In XX/XX/2017, I have a missed payment with Jared Jewelry store card on my credit report, which is inaccurate. The account was closed on their behalf as I did not use it for a long time. Jared switched bank providers in which, I did not know how to pay for my balance in full. No one called me and Jared didn't know if my account was held with the old bank or new bank. After I straightened the entire ordeal, the account was paid in full. I feel like Jared should be held responsible for this!
Consumer complaint received 2015-06-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (DC)

In progress dispute for Case number : XXXX. The company 's answer is not relevant to the situation. Clearly a stock answer they have brewed up. I HAVE disputed the information and can not access the dispute. Furthermore, I am unable to submit any disputes online. The system rejects me any time I try. Finally when I try to call to fix it I am passed around like a hot potato. There is erroneous information on my credit report and I want it fixed. If you wo n't fix it I need to be able to dispute it.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried for many years to get my credit reports from XXXX. Tried online and also phone and paper. No reports. Once, XXXX did send a report, and I got some Transunion information through an insurance company. Those exceptions aside, my requests go nowhere. Our banks other financial institutions all advise checking credit reports frequently, at least annually. But XXXX 's failure to provide that service and, more important, failure to provide any reason for NOT providing it, is most frustrating. 
. 
We ( wife and I ) believe we have excellent credit, probably close to XXXX. We do n't need more credit, but we do need to check our credit reports for accuracy. That 's all we want. 
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I spent this evening trying unsuccessfully to fill out XXXX 's Contact form. Again and again, I composed a detailed and clear statement and request for help, only to be dropped out of the form with several ( six ) different errors that did n't happen. No help there. 
. 
I want to know what the problem is. Is there something wrong with our accounts? Do we need to be concerned about possible identity theft? 

I did not fill out another request in recent years. It 's clear what will happen : nothing. 

Can you help? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. ( XXXX ) XXXX From XXXX XXXX to XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX.
Consumer complaint received 2015-07-16
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

Called me at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I 'm sure it would keep going but I have the phone set to block them now so I do n't see it. I am at work. I ca n't answer my phone NOR can I tolerate people calling me every 30 minutes - 1 hour or less!
Consumer complaint received 2016-01-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (IL)

I have contacted this debt collecter, as well as the credit bureau, multiple times to file complaints. No proper action has been taken and this has been going on for at least a year. NCC Business Services was given an account with my name on it that I do not owe them. The original creditor, XXXX XXXX " XXXX at XXXX XXXX '', has put a public record on my XXXX credit report that has a satisfied amount of XXXX. However, NCC Business Services at the same time has put a collection account regarding the same specific matter with the amount of XXXX, double the original amount, on my Equifax credit report also. I have contacted NCC Business Services multiple times, explaining to them that they are double reporting this matter and falsely representing the character, amount, and legal status of the debt. But no one will listen and remove this debt collection account. Therefore, it has been ruining my credit for the past yr and a half. I have been advised this is illegal what they are doing and I would like it to be corrected as soon as possible. I have physical proof that this matter is being reported twice on the same credit report.
Consumer complaint received 2020-10-19
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. (NY)

am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize see attachment.
Consumer complaint received 2016-06-21
Product: Prepaid card — ID prepaid card
Issue: Fees — 
Company: CITIBANK, N.A. (OR)

Well, I called citi on XXXX/XXXX/16 to determine why I was being charged ATM fees despite the information pamphlet that was given to me saying I should not incur fees when using a citi bank atm. I spoke with a woman who said that she agrees that I should not be charged for using a citi bank atm and that perhaps I used an atm outside of their network ; she said she 'll look up the atm to determine if this was the case. She confirmed that it was in fact a citi bank atm and that its odd I was being charged. She said she will escalate this to management but that unfortunately there was n't anyone there that day that could help so I would be contacted back in approximately a week. I had n't heard back from them by XXXX/XXXX/16 so I called back to see what was going on. At that time the gentlemen I spoke with told me the exact opposite of what the lady from the first call said and told me that those fees are n't able to be reversed ; I asked to be escalated to speak with management. I spoke with another gentlemen who said that generally I would not be charged atm fees by using a citi bank atm with a citi bank card however I am a part of a XXXX program which does incur those fees. However the information was not presented in the pamphlet that was given to me with my card, he said that perhaps I received a pamphlet that was intended for another program but that he would do a one time courtesy and reverse those fees. He said I would have to call back on XXXX/XXXX/16 because no one there could reverse those ( it was fairly late in the evening ) and that on XX/XX/XXXX when I called those fees would be reversed. So I called today XXXX/XXXX/16 to have those fees reversed at the gentlemen instructed however the person I spoke with told me that was not true and that she can not refund them. After she pulled the call she agreed he said that however she only refunded the most recent atm fee but that was it. This is not okay because I have had one employee tell me I was right, and that I should n't have been charged since the atm i used was a citibank atm and a manager also tell me that he would reverse the fees on XXXX/XXXX/16. I have reference numbers for the recordings of all three of those calls. The call on ( XXXX/XXXX/16 ) with the woman who told me I should not be charged fees at citibank atms was reference # XXXX. The call with the manager on ( XXXX/XXXX/16 ) was reference # XXXX ; and lastly the call from ( XXXX/XXXX/16 ) today 's reference # was XXXX.
Consumer complaint received 2015-10-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY (TX)

I have contacted Wells Fargo several times due to a recent financial setback due to health issues and asked for a forbearance in order to catch up and continue making payments. However, each time they say that I am not eligible because I need to make XXXX full payments first. That is the problem I am unable to make my payments. After trying to get a reduction in payment or forbearance and being denied each time. I had no option but to stop making payments. They are now harassing me daily and asking when I can pay and to speak to there loan resolution department and each time I tell the rep that I have and they ca n't help me.
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (VA)

I am attempting to remove a security freeze from my consumer account. I have my pin in hand however the XXXX systems do not accept my basic information and no other means to resolve the issues are apparent. I have contacted the company and was given a bogus number for the 'freeze department '. I have submitted a letter as well.
Consumer complaint received 2016-09-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MO)

XXXX I applied to Citibank for a loan repayment plan because I had fallen one month behind on my mortgage. They granted me one and I made the first payment. Then Citibank contacted me and said I did not have a repayment plan because the person that set it up did not have the authority to do so. So I applied for a loan modification. After months of submitting documents ( 2 and 3 times ) Citibank offered to extend my mortgage over 40 years saving me {$65.00} per month. No principal or interest rate reduction. I declined because I have been paying on this mortgage for 16 years and the change would have shifted most of my payment back to interest, reducing how much went towards principal. In XXXX XXXX I received a call from Citibank asking me if I still wanted the loan modification. I told them no and that it would benefit them much more than it would help me. Then in XXXX XXXX I received a letter from Citibank saying they had set up a escrow account for my homeowners insurance and my payment would increase by {$520.00} per month. My homeowners insurance is only {$210.00} per month. After 90 minutes on the phone and having been transferred 4 times, I was told the escrow was required because I had accepted a loan modification. This was not true. They had also paid off my homeowners insurance through XXXX XXXX, XXXX. So I had to straighten this mess out with my insurance company. But my biggest complaint is that they were trying to get me to accept a loan modification that would only reduce my base mortgage payment by {$65.00} per month, while adding an additional {$310.00} per month to me insurance expense and shifting most of the payment from principal to interest. They never told me this part or that I would be required to escrow my homeowners insurance. Fortunately I never accepted this horrible modification. But how many others fell for this trick and ended up paying more each month while having less go towards their principal? I believe this is a predatory loan practice on the part of Citibank.
Consumer complaint received 2024-01-27
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: Experian Information Solutions Inc. (IN)

XX/XX/XXXX disputes XXXX disputes, XXXX disputes XXXX disputes all of XXXX and XXXX of XXXX via online via uses, via phone calls to dispute. I am guaranteed accuracy per Federal law and the FCRA and this company has ignored my rights, continues to report numerous damaging inaccuracies and are negligent to me and my consumer report. They have had numerous chances to correct all of these inaccuracies and their assumption is not a valid reason to disregard federal.law and my guaranteed accuracies. They flat don't XXXX care nor do they take their job and their inaccurate reporting seriously. And no cause of proof of inaccuracies has been brought to life. I want to be compensated for each and everyone. The allowed time frame has expired multiple times. I demand compensation per Federal.law IMMEDIATELY
Consumer complaint received 2022-02-14
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. (PA)

It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making Car vision Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I had a Capital One credit card since 2010, and I never got any credit line increase. At the same time my credit line with other XXXX companies increased from {$800.00} to {$6000.00}. I requested credit line increase few times and they rejected it every time with really stupid explanation. Last time they said it is because I was making too small payments. My monthly minimum payment is {$25.00} and I was paying {$60.00}. I never missed any payment, and my credit score is really good. I feel discriminated because no matter what I do they do not want to increase my credit line. Last year my account was paid off and they still did not do it, so it is not because I have a balance on it right now.
Consumer complaint received 2015-10-20
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CO)

I hope you can help me and other retired individuals get to the bottom of this. I applied for a part time job as a mystery shopper as I have just gotten social security and it is n't enough to cover my bills. I received an over night package XX/XX/XXXX while I was out of town visiting my son who had just found out that he had a XXXX. My neighbor opened the package for me and saw it was a check for {$2900.00} and it was my first assignment as a mystery shopper. I was to go to the bank and cash the check or deposit the check and take {$400.00} for myself and go into a XXXX and wire money to another mystery shopper to determine their level of service. When I got back in town on XXXX XXXX, I did as the letter and went to my local Wells Fargo and asked the teller, XXXX XXXX, a personal banker if the check was good and he said not today but I can deposit it for you and it could be in the next few days. So I told him that I agreed with that, not knowing what else to do. Then the next day I look at my deposits which consisted of XXXX checks and {$600.00} in cash and none of it was in my bank. I went down to see XXXX to ask what happened and after much computer and phone investigation he found out that all my accounts were locked and were being closed. When I asked why, he said that the check that I deposited was a counterfeit check. I asked what that was and he explained that the account that the check was written from did n't exist. I said I had never heard of such a thing, either a check is good or bad. He was the one who told me to deposit the check and now all my money is frozen and my social security check gets deposited into those accounts and it is only {$1100.00} per money but it is all I have coming in. They are in the process of closing my accounts and will mail me a check they say in the next two weeks for with the money in my accounts but I have nothing to live on and I will not be able to get social security check next week. I think it is terrible that Wells Fargo is blaming me, the XXXX who got duped even though I brought them all the proof of this scam and XXXX is even backing up my details of the incident but Wells Fargo 's fraud department does n't care. 




Can you please help?
Consumer complaint received 2020-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize see attachment.
Consumer complaint received 2016-10-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

Made a payment in the amount of {$150.00} from my personal bank account on XXXX/XXXX/16 due to arrive to USAA on XXXX/XXXX/16. I received the bill and noticed the payment was not credited and I immediately called. The late fee was credited and the associate advised us to upload proof of payment to the USAA website so they could investigate the dispute. My wife did this on XXXX/XXXX/16. I called USAA today and the associate stated that what we obtained from the bank was not accurate and that they tried to contact us on Monday XXXX. We have no record of this. In the meantime, my account is showing as past due and the associate even tried to collect a payment from me instead of helping me with the issue, which is where is my {$150.00} payment? At this point, I am asking for your assistance as it appears the USAA credit card is not aware of how to process an FCBA dispute. I asked what else they need me to get from the bank and the associate did not know. They said to give them a few more days to look into this but I am not confident of the investigation process.
Consumer complaint received 2016-10-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

Webster Bank in their Marketing Brochure offered a 1.25 % rate to open a new Premier Savings account. With a XXXX deposit by XX/XX/XXXX. I would earn this rate up to balances of XXXX until XX/XX/XXXX. They refused to open this account for me saying that I already have and account ( s ) with their bank which I did but closed all them. 
Under Premier Savings 1.25 % offer paragraph on the back of the Marketing Brochure it says nothing about having to be a brand new customer to take advantage of this offer.
Consumer complaint received 2019-02-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (WV)

Originally obtained auto loan through XXXX in XX/XX/XXXX. I was unable to make the payments and gave the car back to XXXX. They auctioned the car, but never gave me notice about amount sold for or any deficit. 

XXXX XXXX purchased the debt in XX/XX/XXXX. The claim they sent me a letter to dispute the amount owed, but I never received any letter. In speaking with XXXX ( Mr. XXXX ), I was told they sent it to a specific address. However, I never used that address on my loan application, nor had I lived there in the past 10 + years. XXXX refused to answer questions. I sent an email with several questions, but they again refused to answer same. XXXX claims the car was sold for {$7600.00} However, my credit report shows XXXX. He refuses to explain the additional amount. he said he was will to negotiate. 
This should not be on my credit report, because I never had the opportunity to dispute anything, including the amount owed. 

Please see attachment with questions sent to Mr. XXXX.
Consumer complaint received 2016-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES (CO)

I had hail damage to my house ( primarily the roof ). The insurance company made the check out to me and my mortgage company, Provident Funding. Provident funding asked me to endorse and send the check to them, but they would not provide me in writing the procedure and terms to get the funds released. I am wary to give them the funds unless I have the release procedures in writing.
Consumer complaint received 2016-03-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (FL)

I fell behind on my mortgage after lay-off. I soon learned I would need XXXX before returning to work. I had the surgeries and was unable to return to my work as XXXX and now have been XXXX for a new occupation at less than half my former income bracket. I have applied for a Short Sale but still have a forclosure sale date.