davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (WI)

I am contacting you from an attorney 's office. We are in the process of selling real estate. We ordered title insurance commitment from XXXX XXXX XXXX XXXX, of XXXX, WI which showed three ( 3 ) mortgages against the property. One ( 1 ) of the mortgages has now been satisfied, the other 2 are from HSBC XXXX XXXX ( purchased from XXXX XXXX XXXX ). The title company put in requests for both Satisfaction of Mortgages in early XX/XX/XXXX (  around the XX/XX/XXXX ). Today is XX/XX/XXXX, and we have made MANY phone calls to this company ( after waiting on hold for 40mns each time ) to get these satisfaction of mortgages. HSBC states things like they have put in the request, they are in the process or they do n't know anything about it and have to start all over again. We are about to lose our closing. All we want are the 2 Satisfaction of Mortgages for clear title on this property by a company that acknowledges that these loans have been paid. We will lose our closing on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX telephone ( XXXX XXXX XXXX fax XXXX
Consumer complaint received 2017-02-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (SC)

After Wells Fargo erroneously reported my account as delinquent to the credit reporting agencies, I setup auto-draft for my payment. After setting up the auto-draft, I received a email confirmation that only the payment amount would be drafted. When the payment drafted, it was more than double my payment and what was stated in the email confirmation. The next month, the same thing happened and I received a call that all would be resolved and never received another response as promised by the caller. After following up due to how funds were missapplied and reapplied, I finally received a letter that contained 2 previous letters that I somehow did not receive, letters I am sure were doctored and backdated after my last correspondence with them. The letters admitted that funds were erroneously applied, but also stated that I agreed to have late charges drafted out of my account, which I never did. They included a letter from XX/XX/XXXX that I never received, so when I went to check my wells fargo account inbox to validate that this " letter '' sent XX/XX/XXXX ( supposedly ) via regular mail was the same as the electronic confirmation that I received in my account inbox, S\surprisingly, the confirmation from the auto-draft is no longer in my inbox. I find everything that this bank has done as highly suspicious and more than despicable business practices. If they just admitted that they misapplied payments that they drafted, I could possibly understand, but to mislead consumers in electronic communication, state that they sent letters that I happen to never received ( I am sure the letters included in their last correspondence were falsified documents ), and then offer no remediation for their callous and unscrupulous behavior is appalling considering their recent scams. However, I guess I should not be surprised. Additionally, they have reported that my account was one month late when I paid the account before a month had expired, therefore the payment was not one month late. Although I have explained this several times, I find it hard to believe that a company full of bankers can not count or can not determine when a full month has elapsed. However, I guess no one can expect much from such a criminal bank such as Wells Fargo.
Consumer complaint received 2015-10-20
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: DISCOVER BANK (CA)

Discover Financial Services ( Personal Loan ) ran XXXX inquiries on my credit report so far in 2015. On an account that has never been late and is in perfect standing. I believe this accounting practice is designed to stop me from securing any further credit so I can pay off there loan. The nefarious accounting practice must stop. I believe an audit of Discover Personal loans will show this is a wide spread accounting practice. Please Help
Consumer complaint received 2017-01-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK (TX)

I had XXXX student loan under Discover Student loans in XXXX XXXX. I submitted graduate school deferment paperwork in XXXX of XXXX. Discover claimed to have lost my paperwork in XXXX of XXXX after multiple calls to confirm status. After paperwork was resent, it took until XXXX of XXXX for my account to officially say it was in deferment, with weekly calls from me. I was repeatedly assured that the deferment status would be retroactively applied to my account so my credit would not be affected. My credit report says I have a missed payment on this loan, but I never missed a payment. Discover never retroactively put me in deferment for the XXXX and reported me as having a late payment on my loan. I disputed this charge with the lender in XXXX and it was removed, but has reappeared on my credit report as of XXXX.
Consumer complaint received 2022-08-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Equifax VALIDATE THE INFORMATION REQUESTED Acct # XXXX you state verified that is a violation under the FCRA but validate this account, who you spoke to their name, Employ ID # contact information what was said in Detail both parties, any associates you may have talked to a copy of original contract with my signature, payment history date last payment, balance Equifax your name who did the investigation this account Employee ID # your contact information also you are reporting past due a violation
Consumer complaint received 2021-04-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

I called midland funding about a 7 year debt in which they offered me a settled amount to be considered paid in full settled however they are reporting to the credit agencies I have a balance the agreement was to be deleted and considered paid. I will take action if not corrected ....
Consumer complaint received 2016-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Kinum, Inc., Indianapolis, IN Branch (TX)

He has repeatedly called me and has started threatening to garnish my wages, to come to my job, called me names and embarrassed me publicly by telling my co-workers I was n't paying my bills on time.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

On multiple occassions during the year XXXX I requested this account to be updated with correct information, and or delete this account because it is not mine. 


1. XXXX XXXXXXXX XXXX Account : XXXX AND, 2. Date/Time Stamp ; Provide original evidence and or source of the data ; include Company, Contact Name, address, & telephone. 

FCRA : FCRA 616.Non Compliant. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

WHEN I SAY THIS ACCOUNT IS INCORRECT MEANING IT IS NOT MINES IT IS FRAUDULENT. I WANT IT REMOVED NOT SURE HOW A ACCOUNT FROM 2021 APPEARED ON MY CREDIT REPORT
Consumer complaint received 2017-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ideal Collection Services, Inc. (FL)

Let me start by saying that this collector may have tried to reach me and I simply did n't get the notice. In XX/XX/XXXX, I separated from my partner and after many months of struggling to make timely payments I was served with a notification to vacate an apartment we leased at XXXX XXXX, I complied. The property, sold that debt to XXXX XXXX XXXX and although they have never reached out I was aware of the debt and I knew at some point I would have to pay it. In any event, I contacted Ideal in XX/XX/XXXX to try to settle that debt and at that moment they advised me that they would not settled and that it had to be paid in full, the rep who has been assigned to my account is very strict and did n't give me much leeway to speak or to understand the process she just said this had to be paid and there would be no deduction. Yesterday, XX/XX/XXXX I  contacted the creditor again as I am trying to organize my finances and purchase a home and at this point the rep, XXXX XXXX of Ideal Collection, informed me that not only was there no settlement but that there was no arrangement they could make, the debt has to be settled in full. I was perplexed, is this lawful? Not everyone has {$2100.00} to pay off a debt at once. Are agencies allowed to strong arm a citizen or hold their credit hostage? For the record I offered to make 3 payments of {$700.00} and that was not good enough. I would like to understand if this is true.
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has rearranged transactions in order to charge me overdraft fees. They have also posted transactions in time only when it 'll cause me to overdraft. When I do deposit money when I 've noticed I 'm negative, all of a sudden the next day that transaction that caused me to overdraft is magically gone ... They expect me to forget all the trouble I went through to avoid an overdraft and think nothing of having a surplus in my amount available? They just want me to think I have more money than I actually do so they can get a fee from me. No, this is not right and I knew it was n't right ever since I opened my account. Who knows how many times they have done this to me without me noticing?? Scam artists. I only realized what was happening after this time that I noticed something was wrong. All it took was a search with my question about them scamming people for me to realize I need to switch banks immediately! No one should do business with them. I have learned my lesson and will research my future bank much more thoroughly.
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

Date : XX/XX/2022 NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX Texas XXXX American Express XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York, NY XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED OF DENIAL XX/XX/2022 Recently, I, XXXX XXXX XXXX, was denied an extension of credit by American Express. On XX/XX/2022 you submitted credit card application, I applied for BLUE CASH PREFERRED ( SM ), GOLD CARD FROM AMERICAN EXPRESS, PLATINUM CARD. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-02-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accelerated Servicing Group LLC (CA)

I paid this debt to a different collection agency in 2019. I told them that but they wanted proof and I couldnt find the paid in full letter. So I contacted the previous company and then turned it in with ASG. They said I would receive no more calls me or my family! Two days later my mother receives a text message from ASG!
Consumer complaint received 2022-08-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: DISCOVER BANK (RI)

Good afternoon- I currently have a second mortgage with Discover Home Loans in the amount of {$80000.00}. 
For over a year now, I have been not working but fighting with them to assist me in any sort of way. 
1 ) XX/XX/XXXX or so I submitted a hardship package due to my excessive monthly obligations. I sent in all the asked documents. 
2 ) On XX/XX/XXXX, I XXXX  XXXX  with XXXX  XXXX I was XXXX  and in XXXX  for 10 days. I was XXXX with XXXX. I was out of work for 2 months. 
3 ) I continued to send documents to Discover but every single month, they kept on asking for more documents. 
4 ) The loss mitigation unit never calls me or emails me but the Collection Unit calls me every 7 days guarantee. 
5 ) On XXXX the collection associate went over my financials. Once I told her how much I gave my local church in tithing- she suggested that I stop giving my tithing in order to pay Discover. I was very disappointed and frustrated because I felt as if she was getting in my religion. I asked for an official complaint to be filed. I would like to go on record with such actions including Social Media and news. 
6 ) She transferred me to the Loss Mitigation department who simply stated for to keep on sending bank statements and paystubs. 
7 ) Why has this case taken over a year? Why cant a Manager be assigned to my case? I asked XXXX XXXX ( my primary mortgage ) for assistance and within 30 days they had a resolution. 
8 ) it seems as if Discover wants me to give up on asking for help but I need help. I am a single father of 3 with a heavy financial burden. 
9 ) Its important to mention that XXXX  XXXX is in the process of helping but theyre also getting the same treatment. 
I will write a letter to corporate office to see if someone would have mercy on me. I would like this case to be escalated as high as possible.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I couldnt afford to make the payment because I was making payments and it was not going towards the principal. Instead the balance kept rising. So I decided to surrender the car in XX/XX/XXXX. They sold it in XX/XX/XXXX. They never sent me a repo letter. Also they never adjusted the balance. Also on my report its still saying open and that I was making payments. So I checked my credit XX/XX/XXXX and it says I missed a payment which caused my credit score to drop 38points. They never contact me a bout the vehicle once it was sold I had to call and request documentation. And on the document it says something totally different from the credit report.
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

I purchased items from their website. The items werent as described and then they double charged me. I returned everything. They are saying they never received the items and now they said my account is significantly passed due. I never got a bill and they wont credit the account and the bank that has the card account wont help me
Consumer complaint received 2017-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (TX)

The bank that holds my mortgage, XXXX XXXX XXXX, is complicating the process of paying mortgages online. If you go to their website, XXXX XXXX XXXX, you can see that it is geared toward mortgage brokers. The login button on the site is in the upper right hand corner and reads " EASE LOGIN '' in an orange box. This login is for mortgage brokers, not borrowers. If you attempt to use borrower credentials, the login will not work. Instead, you have to scroll down to the bottom of the page and click " loan servicing '' in much small nondescript print to pull up the login for borrowers. I find this overly complicated and difficult to remember month to month.
Consumer complaint received 2022-02-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FlexShopper, Inc (FL)

I have XXXX XXXXXXXX XXXX app on my phone. The other day a pop up appeared asking to block last call. I checked the log and I saw 30-40 instances of a number calling me. I decided to call in back and the first person I spoke was very abusive and hung up on me, all from me asking questions. I called back immediately and spoke with a young lady and her and I were working out this issue. However, this company continued to call me 18 more times after this interaction.
Consumer complaint received 2017-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

Back in XX/XX/2014 I saw that in my credit report there was a loan for {$7700.00} taken out in my name and social security that was not mine for a home depot credit. I had contacted the collection XXXX XXXX XXXX to notify them they told me I needed to submit a police report for Identity theft against my mother who had used my information wrongfully. Attached, is the police report I submitted. I mailed them all the information they had requested in turn they emailed me a letter to my home address which is a also attached, advising me that the account has closed and will not be collecting on the reference account and that they will be instructing all three credit report agencies to delete the above reference MCM account on my credit file. It turns out that this collection told me false information and years passed and it was still on my credit reports. Every time I applied for a home loan I was turned down and I had no idea why I thought the whole time this issue had been disputed and resolved. I called the collection agency to let them know that they never removed the collection from all three credit bureaus like they told me they were going to do. The third party answering for the collection agency told me that they could n't do anything because it is now a judgement lien with the court house in XXXX County NY and that I needed to contact them with the case number-XXXX and talk to the judge. I contacted the court house and even went to there website to see what came up with the case number and there is no information under the case number or name and they told me they told me they could n't help me if there is no case on it. I later found online https : //www.consumerfinance.gov/XXXX CFPB took action against the collection agency XXXX XXXX XXXX for using deceptive tactics to collect bad debts. Administrative proceedings consent order XXXX was issued by the CFPB. Now, I understand why I had been giving wrong information and the run around to get this of my credit.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1

5 USC 1681. has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Attached is the escrow statement after the analysis and I have highlighted a couple things on the statement. It shows my taxes and insurance went down this year so my escrow payment will decrease. However, it has in fact increased by {$40.00} which should be wrong based on what the statement itself says. It also shows there is a surplus so there should be no reason for my monthly payment to increase. I have this same issue every year and are never able to explain why the statement says my payment will decrease but every year it increases. My monthly payment should decrease as is indicated on the attached statement.