davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

Dispute 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized account review, XX/XX/XXXX. There is an ongoing civil court matter pending with this company. 

Dispute 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Unauthorized account review ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was charged off and closed XX/XX/XXXX. 

Dispute 3 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized account review. XX/XX/XXXX Dispute 4 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX {$840.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00}
Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

In XXXX XXXX, I hired XXXX XXXX XXXX XXXX XXXX to help modify my mortgage loan with Wells Fargo. XXXX XXXX Offices took over my loan modifcation with Wells Fargo. Wells Fargo refused to modify my loan. I was requesting a lower interest rate of 3 % which is what they were advertising on the radio. My interest is 6.5. In the middle of negotiations in court, Wells Fargo transferred the mortgage service to XXXX XXXX. XXXX XXXX refused to reduce my interest rate. They only offered me foreclosure or reinstatement. I chose reinstatement. My attorney 's office was emailing me to communicate with me. At some point, the attorney and I suspect that on XX/XX/XXXX, the emails were hacked and the location for the wired loan reinstatement fee was changed to XXXX XXXX  at Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXX, WI XXXX, routing # XXXX, account number XXXX. On XX/XX/XXXX my credit union made the wire transfer of {$18000.00} to the Federal Reserve Bank. The Federal Reserve transfered the money into that account. Then the money dissappeared. No one is taking responsibility for my missing money. I need my money back.
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

On XX/XX/XXXX I made an early payment of {$50.00} to be applied to my account over the phone with a representative for the XX/XX/XXXX. My payments are not due until the XXXX of every month. I got a confirmation number of XXXX. Recently I called to question my rewards and found out my payment was rejected!!! I asked why and the representative could not give me an answer! I said it can't be insufficient funds there is money in there! I said why did they give me a confirmation number and ALSO why was I not notified through an email? I spoke to XXXX and XXXX on the XXXX and I was told someone would get back to me and no one has! 
I then got fed up and called back again to find out what was going on. XXXX XXXX, another " supervisor '' has to be the rudest, most unprofessional customer service rep I have ever spoken to! She told me it is not their responsibility to let me know my payments are rejected. Well it surely is if I got a confirmation number and since it's not a problem with insufficient funds it's definitely THEIR ERROR which means it's even more of a reason for me to get notified!!! Her attitude is HORRIBLE and I let her know that she is not fit for her job. She did nothing but talk in circles and repeating that someone is investigating this and will get back to me and still no one has called me with an answer! I think this credit card company is shady and wants me to accrue late fees and their customer service is the WORST!!!!!!
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (MN)

1. XXXX said they sold the debt, making Diversified a debt purchaser. 
2. On my Credit reports it shows them as the current holder of the debt, meaning they are the debtor and not sprint. 
3. XXXX didnt sent billing statements to me because they entered or misspelled my home address. 
4. The debt collector didnt sent me the correct correspondents and they admit they had the incorrect address information. 

5. I legally have the right to request verification of this debt, noting was sent to me and my rights were violated!
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Account for Kohls was paid off in full XX/XX/18 - cleared my credit union on XX/XX/18. 
As of today XX/XX/18, account still shows no credit available. I called three times in the past 4 days and they gave me the same excuse - it takes a while for it to clear.
Consumer complaint received 2018-07-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

This is the 2nd year that my mortgage company Freedom Mortgage is almost late paying my property taxes. This is totally unnacceptable. I received a letter from my county stating that taxes are due and the mortgage was late sending payment out. This is a big inconvenience as I almost had to come out of pocket to pay it. Something needs to be done with them. I rather have another Mortgage servicer.
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (FL)

Loan Depot is my mortgager. They paid the wrong insurance company out of my escrow account on XX/XX/2021 and then finally paid the correct insurance on XX/XX/XXXX. They used funds from my escrow account to pay both insurances leaving me a deficit in my account. I have asked to have the funds from the wrong insurance credited back to my account in the amount of {$1700.00}, but still nothing has been done. This has been going on for weeks and they tell me I need to talk to the insurance company to get my money back. I have no contacts at this insurance company and am getting no help from Loan Depot. I'm currently in the process of refinancing with another mortgage company and Loan Depot are including my deficit in the payoff notice even though I should have a positive balance. I feel like the money has been stolen from me.
Consumer complaint received 2020-11-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: VEROS CREDIT, LLC. (OR)

VEROS CREDIT RAN MY CREDIT WITH OUT MY PERMISSION XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, Phone : XXXX XXXX XXXX XXXX Can you please help me fix this issue thank you XXXX XXXX XXXX
Consumer complaint received 2018-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (PA)

On XX/XX/2018 I entered into a payment arrangement to settle an unverified debt. The agreement was for a specified automatic withdrawal amount which was deducted every month since the agreement which included the cease of any further collection activity and or any negative reporting on my credit report. On XX/XX/2018 I was informed by a credit monitoring service that a collection account was reporting.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Good Day Bank of America:XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX, corporate office and the CFPB. 
I went to the above Bank of America facility to change my ATM card pin, because I had not used it in a while. So I had forgotten it. A young Lady an entrance desk greeted me and said she could help me change the pin and ask for the debt card and my drivers license, I gave her. She started tapping her stand screen and said my account was locked and she could not change the pin. But kept tapping the screen of what appeared my account even after she gave me my cardsback. I said OK I will go unlock it and come back, which I did. The second time she said she could help me after finishing with someone ahead of me. She was done with them after I had sat and then said sorry I can not help you after the wait, a banker could, then he said it would be a while too. I was frustrated and said you should have just said you could not help me after helping the nonXXXX customers. I drove to another Bank of America the same day XX/XX/2021. Got a person in the other bank to change it and went to the outside teller and made a deposit. The XXXX  bank had bad customer service and wasted my time. Also, you may want to check on bank fraud related to persons whoso not use there bank access as often. There may be a connection to fraud and misuse.
Consumer complaint received 2018-07-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (CA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2021-04-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

I called Equifax to have my dispute remarks reported as now resolved XX/XX/2021. I waited the 30 days however one acct did not get fixed. I called again on XX/XX/2021 and was told it was upgraded to the consumer affairs department due to a glitch in there system and would be resolved in 72 hrs plus I would receive a phone call from them at the 72 hrs mark. No phone call, no repair for my comment to say no longer disputed by consumer. I called again XX/XX/2021 and was told they upgraded my complaint yet again. I called back today XX/XX/2021 and was hung up on, no rectification of issue. This is impacting my family and I life. All that needs to be done is my comment to be changed that I no longer dispute this item. Please help Im trying to buy a house and am suppose to close in a week.
Consumer complaint received 2020-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

Hello, In XXXX FedLoan did not receive my updated annual income information during the recertification window for my income-driven repayment plan because I missed the deadline. As a result, the interest on my two student loans was capitalized. I have student loans from attending XXXX  XXXX XXXX from XXXX. {$51000.00} was capitalized on my unsubsidized loans and {$6800.00} was capitalized on my subsidized loans. At an annual interest rate of 7.63 % that equals approximately {$4400.00} more interest every year. FedLoan said they mailed a letter notifying me of the re-certfication deadline/window. I never received it. They said they sent an email. I did not receive it. I asked why they didn't call or send a certified letter. They have not answered. I've asked for a copy of the Communication Log for my account showing the email was sent. I have not received it. I have paid on time for 9 years. I think it's a simple mistake, and now it will cost me approx $ XXXX of additional interest over the next 15-16 years. I feel denied Due Process. A simple phone call could have notified me. A simple voicemail if I did not pick up. A second letter in a brightly colored envelope, etc. So many practical options to get a borrower 's attention. I have asked them to reverse the capitalization. They have refused. I spoke to many different reps and received inaccurate information about repayment plan options. I also would have hoped they would have told me about the REPAYE Program when my interest capitalized without me knowing in XXXX. Instead, I discovered REPAYE Program in XX/XX/XXXX and enrolled. I eventually hired a student loan negotiator. He wasn't able to help. Thank you for your time. I'm happy to answer any questions. 
Sincerely, XXXX
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

On XX/XX/22 I bought a {$200.00} Vanilla Visa Gift card at a local XXXX + {$5.00} activation fee. I sent the card to the recipient. She informed me the 16 card number was incomplete. 5 of the 16 digits were wiped off. The package was not tampered with or opened incorrectly. Without the code the card can not be used and the electronic bar code demonstrates that the card is damaged and does not show the {$200.00} is on the card. On or about XX/XX/22 XXXX contact InComm Financial Services Inc at XXXX and spoke to a representative. I provide the information for replacement. The rep sent me the email address XXXX. I sent the required information, name address, copy of receipt, copy of damaged card, and my drivers license. The rep gave me the case number : Case # XXXX. I was told I would get an email reply confirming receipt and a new card. 

I have email the company 3 times and can not get any reply, even telling them I am filing a complaint and still nothing. 

XXXXXXXX XXXX, with license from Visa USA distributed by XXXXnComm Financial Services.
Consumer complaint received 2021-09-21
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: EQUIFAX, INC. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2018-07-20
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: BARCLAYS BANK DELAWARE (HI)

On XX/XX/XXXX a charge was posted to my Barclay card for XXXX from XXXX software protection. I had NO idea. I had no balance on this card for over a year and NO payments. 

I was finally notified by Barclay on XX/XX/XXXX that I owed XXXX and it was late 4 months. I was so surprised and argued with them that I had not charged anything on this card for about a year. I was never notified by either party Barclay or XXXX about the charge. 
The rep for Barclay did reverse the XXXX late fee for 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I payed the balance off on that phone call XXXX XX/XX/XXXX. I still had to pay XX/XX/XXXX & XX/XX/XXXX late fee and interest the whole time. 
I was never contacted once about this fiasco.My credit score before this happened was XXXX and now is XXXX. 
Now I find out they closed my acct on XX/XX/XXXX. 

I want my acct back and my credit purged back to XXXX and I think the credit card company owes me the fees back.
Consumer complaint received 2021-09-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

To whom it may concern : I had been working with my previous servicer for almost 2 years before it got service transferred to Freedom Mortgage. My counseloXXXX XXXX XXXX spoke to a rep from the loss mitigation team. On XX/XX/XXXX we received confirmation that they had received my loss mitigation application and the third party auth for XXXX. We followed back up on XX/XX/XXXX and they confirmed again that they had the documents and my file was under review. Today, we followed back up and spoke to two reps that could not find anything about a review going on. The second person was supposedly a escalation manager with the ID of XXXX. She advised nothing had been going on again. 

I can't wait another 2 years for another service to mess up on my documents again! I want to save my home!
Consumer complaint received 2018-07-20
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: EQUIFAX, INC. (WA)

Equifax poor reporting practices. They are still reporting fraudulent information of my credit report. I sent each credit reporting agency the same information and the other bureaus delete it but Equifax still reports it. My credit report clearly demonstrate that information appearing on my credit report is inaccurate and is damaging my character, credibility and ability to obtain credit. 

Fraudulent amounts : {$14000.00}, {$13000.00}, {$4200.00}, {$17000.00}
Consumer complaint received 2018-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (VA)

After all the bad publicity for cheating their customers last several years, I was hestiant to re-try my banking with wells fargo, however, due to a decent offer they had where if you open an account, and receive direct deposits total {$1500.00} each month for three consectuive month, they would award you {$300.00} I decided to apply for an account.

Upon applying for the account and funding it with the necessary amount of money, I received an email stating " Your application has been approved, and your new account is eligible to receive a bonus offer. '' IT WAS BASED ON THIS EMAIL, THAT I THEN INVESTED MY TIME, EFFORT, AND THE WORK NECESSARY TO SATISFY THE REQUIREMENTS TO RECEIVE MY BONUS. ( please see a screenshot of the email in page 1 of the attached pdf ) Additionally, When I contacted them with a secure message they stated that the only reason I had not received the bonus was due to them not having received a XXXX form from me. I preceed to follow their instructions, print, and complete the form. I walked into a local branch and spoke with a banker regarding my account so that he can submit the XXXX form on my behalf ( he faxed in the form ). This banker also informed me that once they receive my XXXX form they would credit my account with the bonus.

I still have not received my bonus, and it has been in excess of the 45 day period that they specified in the offer. When I contacted the bank again, they said that it was because I had an account with them in the past 12 month. If this was a valid reason, for me not to have received a bonus, they should not have spent me an email stating that my account is " eligible to receive a bonus offer '', nor should the secure message team that responded to my question indicated that I was only missing a XXXX form in order to receive my bonus, nor should the in-person banker have indicated to me that I would receive my bonus. It was based on their communication with me that I invested the effort and hard work to satsify the requirements to receive the bonus, and now they are going back on their word. This bank has a history of deceiving its customers, and this is a continuition of this behavior. Wells Fargo continues to miss treat its customers into 2018. They should not be allowed to treat customers in this manner.
Consumer complaint received 2020-09-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (NY)

They are garnishing my wages and getting almost {$500.00} a month. 

My husband lost his job and we can not afford this. I have been trying to work with them to reduce the amount of the garnishment and am willing to pay them half directly, but they will not work with me. 

We will be forced to file for bankruptcy and then they will get nothing.
Consumer complaint received 2020-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (AL)

I recently opened a checking, savings, and money market account with NAVY FEDERAL CREDIT UNION. Everything was good until my first Direct Deposit posted to my account, that's when everything begin to go downhill. Account access begin to limit and then eventually no access pending Identity Verification. So I submitted the required documentation being put through a 3-5 business day  Verification. On the XXXX I called to see if the issue had been resolved to get no help and be told that I would have no access by phone to my account. This is the second time this has happened to me this year, you need to update my information and keep it updated. Please deliver an urgent response to this matter.
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My name is XXXX XXXX SSN : XXXX. RECENTLY Capital one closed my accounts ending in : XXXX XXXX XXXX DESPITE ALL OF THE REASONS BELOW NONE OF THE REPRESENTATIVES COULD HUMANIZE WITH ME EVEN THOUGH I HAVE AN OUTSTANDING HISTORY WITH CAPITAL ONE : I have had this capital one account for over 3 years. I added my family as authorized users. I verified 9 out of 11 accounts. They shut down my accounts and I have been a good paying loyal customer for years. I am very upset about how they did business with me I have never missed a single payment but they shut down my account for me adding my family as authorized users. I COULDNT GET IN CONTACT WITH 2 OF THE PEOPLE LISTED. NOW THIS IS RUINING MY REPUTATION. 

IF MY ACCOUNTS ARE NOT REINSTATED I AM GOING TO FILE COMPLAINTS WITH THE BETTER BUSINESS BUREAUS, FTC, AND ETC. I DONT WANT TO DO THOSE THINGS SO I AM GIVING YOU GUYS AN OPPORTUNITY TO HEAR ME OUT. THIS HAS AFFECTED MY CREDIT SCORE. THESE ACCOUNTS NEED TO BE FIXED IMMEDIATELY. 

XXXX TELL THE CEO OF HOW THE LOWER REPS ARE TREATING LOYAL CUSTOMERS.