davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2018-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

A couple of years ago a mysterious debt to some medical group in Oklahoma showed up on my credit report. After much harassment by phone and mail I filed suit in my local court and the company/collector agreed to take the item off my credit report. Now, a new collector is trying to collect the same debt that has already been removed from my credit report twice. This is clearly a scam. 

I had to go through this long, painful process with Experian, XXXX and XXXX the last time. They just blindly allow people to put negative information on my report - the same information that has already been removed twice!! Enough is Enough!!
Consumer complaint received 2016-07-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Caliber Home Loans, Inc. (HI)

XXXX, XXXX XXXX XXXX true and lawful Attorney-in-Fact XXXX ( hereinafter " XXXX '' ) contacted XXXX, SUPERVISOR, TELLER ID. NO. XXXX of CALIBER HOME LOANS , INC at ( XXXX ) XXXX, Extension No. XXXX to follow up with the phone call XXXX had with XXXX on Tuesday, XXXX XXXX, 2016, because XXXX never contacted and followed up with FTLC on Wednesday, XXXX XXXX, 2016, Thursday, XXXX XXXX, XXXX, and Friday, XXXX XXXX, 2016 as XXXX had promised. Instead of XXXX answering the phone on Friday, XXXX XXXX, 2016, a XXXX, TELLER ID. NO.XXXX answered and took XXXX phone call. XXXX conveyed to XXXX that XXXX stated that SHE would be the one handling CALIBER HOME LOANS, INC., CONDUIT ACCOUNT NUMBER XXXX and XXXX had not heard back from XXXX for the last couple of days to find out if CALIBER HOME LOANS, INC., finally closed CALIBER HOME LOANS, INC., CONDUIT ACCOUNT NUMBER XXXX? XXXX stated to XXXX that XXXX was in a meeting. When XXXX asked and pressed to speak to XXXX 'S SUPERIOR OFFICER ( S ), XXXX denied, prohibited, refused, and stonewalled XXXX so as to get this matter addressed, resolved and cured ASAP, which then she abruptly hung up the phone on FTLC.
Consumer complaint received 2022-09-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd. (CA)

I did not enroll/subscribe for services provided XXXX XXXX XXXX XXXX XXXX XXXX According to the credit report in XXXX and XXXX the account was opened on XX/XX/2016. I don't recall signing up for their services. According to them, I owe {$460.00}. 

I never received any correspondence notifying me about the debt. I have tried contacting them but they are unresponsive.
Consumer complaint received 2017-02-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Debt collector claims I owe them a debt that they ca n't verify is there 's. They ca n't provide proof of documentation or ownership towards the debts. Never have signed a contract with them saying I owe them an XXXX amount of dollars.
Consumer complaint received 2017-03-05
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (CA)

XXXX XXXX XXXX XXXX has been trying to collect a Debt that has been paid in full. They also have entered the information on my credit bureau file showing i still owe the debt with a negative entry. I never received any communication from the original creditor that I still owe this debt. This debt with Speedy Cash ( the original creditor ) has been paid in full. Speedy Cash is evening emailing me on a daily basis to let me know that I can be approved for another loan with their company. I also have screen shots showing that I have no loans outstanding and that my account is paid in full.
Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-10-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

To give you some background on our complaint, I opened a checking account for our then XXXX-year-old son in XXXX, which was attached to my account. 

On XXXX XXXX, XXXX, our son was a victim of fraud. Someone whom he does n't know was able to cash XXXX {$1400.00} checks totaling {$2800.00} which caused a negative balance on his account. Keep in mind, our son has never had a deposit in his account over {$200.00} at any one time. I found out about it on the evening of XXXX XXXX, XXXX, when I checked my balance and surprisingly saw a - {$2800.00} attached to his account. When I contacted customer service on XXXX XXXX, XXXX, I was told that he signed the XXXX checks and received the funds. Our son did n't know anything about any checks when I asked him. He did n't receive any proceeds from the checks. We also filed a police report on XXXX XXXX, XXXX. 

I spoke to numerous customer service reps in the fraud department in XXXX and no one would file a complaint. I asked if they checked his account prior to processing the check and why was n't a hold put on his account while the checks in that amount were investigated. I was told that the bank has no way of knowing if a large deposit will be made, so therefore, they processed the checks because his signature and ID were used to cash the checks. Our son was nowhere near wherever the checks were cashed. I asked for the footage at the ATM ( which is where I was told the checks were cashed ) be examined at the time of the withdrawal ... no response. I requested a copy of the checks. Once I received them, the XXXX checks had XXXX different signatures on them and neither XXXX is our son 's. 

About XXXX, I 'm thinking on the evening of XXXX XXXX, XXXX, I spoke to XXXX in the fraud department who again informed me there was nothing the bank would do. I told her I received the checks and the signatures were not our son 's. She was reading notes from previous conversations between me and the bank and our son and the bank. When I asked her for a copy of the notes, she told me they could n't be sent to me. When I asked her why, she stated due to privacy issues, they ca n't be sent. It 's my account ; what privacy issues are there if I 'm asking for the notes on my account? 

On XXXX XXXX, XXXX, I finally thought I reached someone sympathetic enough to at least file a complaint. The rep, XXXX, had me thinking she was filing the complaint and it would be investigated. Unfortunately, she did n't give me a complaint number and I did n't ask for one. I decided to give it a couple of weeks before I called back for the status only to find out there was no complaint filed. More walls went up. 

We finally got frustrated because we will soon be contacted by the Recovery Department to start paying on this balance. We decided to contact XXXX for assistance. We were advised to file a complaint with the XXXX, the Georgia Banking Commission and send a letter to Bank of America 's CEO. So, we are doing all of this simultaneously.
Consumer complaint received 2016-12-01
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

Safety and Security Alert! Is your bank or business telecom safe, secure, and socially responsible? Many banks and businesses have outdated, insecure, and unsafe telecom identifications systems that require remedial change, or innovative improvement. Please watch the following urgent video : XXXX and read the Safe Call report XXXX
Consumer complaint received 2017-02-05
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NC)

This Credit card company keeps calling after I have explained to them mulitple times that I am filing for XXXX and do not have any income at the moment. They have asked how I can afford a cell phone and asked why the person that is helping me out can not help with this debt ( he does n't have any extra money either. ) They unfortunately call from a unlisted number but every time I have answered it has been this bank ( commenity bank for XXXX or XXXX ) but when I ignore the call they will call repediately in a day with the calls being minutes apart. ( yesterday they called all day and some calls were 9 minutes apart ( XXXX17 )
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Last month I disputed XXXX with Equifax and unfortunately nothing changed. The credit bureau failed me with this dispute. Due to Equifax not doing their due diligence I've had to fight this matter on my own. As of today with my attorney 's assistance I received some resolve regarding this matter. XXXX has stated that they will remove the erroneous derogatory information that they have reported to my consumer credit file. 

Please see the attached documents and remove ASAP!!!!
Consumer complaint received 2015-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (IL)

i was contact by debt recovery solution on behalf of XXXX, about a bill that i owed them, i immediately contact XXXX because they used to be my carrier, when i called them i was told by XXXX to file a complain to you.i want that to be clear from my credit report.
Consumer complaint received 2018-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

A purchase was made using my credit card. The purchase went through as a cash advance and I was charged {$52.00} in cash advance fees. i had previously requested that my cash advance fee be removed/reduced to XXXX. i made this request upon the account being opened. Had the cash advance fee been reduced to XXXX at the time of my request, I would have not incurred this charge. I have tried explaining this to customer service service representatives on several occasions, but to know avail, with the majority of representatives making up false facts about how credit cards work and are used, and avoiding the fact that a request to remove the cash advance feature had previously been requested and was not fulfilled. Furthermore, as I had mentioned to the representatives, there was no way of me knowing that the transaction would be processed as a cash advance, as I did not use my pin and it was simple purchase.
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

got loan from HSBC OR bENEFIAL FINANCE FOR MY HOME XXXX XXXX XXXX, LATER I HAD TO FILE BANKURUPSY BUT HOME NOT INCLUDED THE DROPPED MY PAYMENT TO XXXX A MONTH PAY OFF SAYS XXXX PLUS ADDED FEE FOR XXXX I HAVE NEVER SIGNED ANY PAPERS WITH THIS COMPANYM LIVED HERE SINCE XXXX STILL HERE AND STILL OWE THIS MUCH MONEY? I HAVE NO PROBLEM MAKEING MY PAYMENTS TO XXXX WHICH HAS THE LOAN NOW, JUST DONT UNDERSTAND XXXX EXTRA NO MODAFCATION PAPERS WERE SIGNED EITHER I WANT TO PUT MY CARETAKER ON THE REFINANCE BUT THEY HAVE HIM ON THE LOAN BUT NO DEED IIAM THE ONLY XXXX ON THE DEED PLEASE THIS HSBC OR BENEFICIAL ARE RIPPING ME OFF I HAVE HAD XXXX AND CANT AFFORD AN LAWYER WHAT DO I DO?
Consumer complaint received 2022-02-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HOME BANCSHARES, INC. (AR)

Can a bank give a renewal on a loan to someone who no longer owns the property the loan is tied to, with out the property owners consent or knowledge? 
In XXXX, a BANK allowed my ex husband to sigh a renewal loan my home, even though they were aware he no longer own the property. My divorce decree for XXXX clearly states the loan would have to be paid in full by XX/XX/XXXX, by my ex husband. In XX/XX/XXXX, the Bank allowed him to sign a renewal loan document to extend it to XX/XX/XXXX. I was not made aware of this. I was not contacted. I absolutely did not consent. 
Now, XX/XX/XXXX, the bank is threatening foreclosure on my home, if I don't sign documents needed for a new renewal or pay off the loan. They wouldn't even give me the pay off amount, until they contacted their lawyer. This is causing stress, sleeplessness and panic. I don't know how a bank/loan officer can legally approve a renewal on property for someone who does not own said property.
Consumer complaint received 2015-04-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL (TX)

synchrony bank-account # XXXX after negotiating a settlement and sending a money order they informed me that the debt is past the statute of limitations and they wont give me my money back or remove it from my credit report I paid them {$490.00} they want update it to say paid in full or nothing how can I get my money back? synchrony bank. XXXX XXXX XXXX, fl XXXX I talk to XXXX & XXXX XXXX/XXXX/15 on around XXXX cst ) XXXX
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent in my metro 2 compliance about in accurate information reporting on my report I haven't got a responds and will like to get errors remove off my report
Consumer complaint received 2016-09-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

i have have a house in XXXX and my morgage company is ditech.ditech claims i did not pay the XX/XX/XXXX mortage payment of XXXX i sent them several times proof that i did a ) email attachment my back account with date,XX/XX/2016, who withdrew the chech, ditch. 
b ) faxed the same as above, thru wells fargo representative : bank statement and check and who cashed the check : ditech. 
they response : supervisor reviewing issue.but not actually doing anything
Consumer complaint received 2016-08-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MI)

My mortgage was handled by Green Tree Servicing and many if not all of the conditions stated in the XXXX XXXX, XXXX complaint occurred during the time ( 10+ years ) Green Tree was handling my account. Now it is Ditech continuing the same activities. Green Tree charged me the {$12.00} fee just about every month that I phoned in my payment, whether it was on time or late. I also paid insurance fees to them after being told that I had to have insurance on the home. I was laid off and unemployed from XX/XX/XXXX into XX/XX/XXXX and was constantly harassed and threatened with repossession by Green Tree representatives. 
Now Ditech is calling and threatening me with repossession if I am 2 weeks late with my payment. They have called my home 10 times in one day. Somehow they obtained my employers phone number and have called me there, even after I asked them to not call me at work. They obtained my daughter and her husbands phone numbers and have called them and left threatening messages. I 'd like to know if Green Tree ever actually paid out any of the XXXX dollar XX/XX/XXXX settlement, because I never recieved a dime from them.
Consumer complaint received 2022-02-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

WELLS FARGO HOME MORTGAGE ( XXXX ) ACCOUNT NUMBER XXXX Another XXXX XXXX To XXXX Me, The Borrower, And Position Themselves To XXXX XXXX Of My XXXX. 

BACKGROUND This is my XXXX complaint about XXXX with the Consumer Financial Protection Bureau. 

Since XX/XX/XXXX, Wells Fargo Mortgage has initiated a series of dirty tricks to manipulate my mortgage account number XXXX in such a way as to misrepresent the debt owed and my compliance with the contract terms. 

Since the contract, originated in the fall of XXXX, I have fulfilled my obligation perfectly. I have made every payment due in full on time. XXXX has failed, however, to comply with their contractual obligations as previous complaints about them demonstrate. 

AGE DISCRIMINATION I am a senior with a lot of equity in my property. XXXX has targeted my account for XXXX  and XXXX to discredit me and position itself to foreclose. 

Their actions are age discriminatory. They think that my age makes me especially vulnerable and defenseless against their dishonest account manipulations. 

THIS COMPLAINT IS FURTHER EVIDENCE Of XXXX BAD FAITH AND DISCRIMINATORY ACTIONS I paid the mortgage payment due on XXXX XX/XX/XXXX in the amount of {$1500.00} at a Wells Fargo Branch. ( See uploaded Wells Fargo Branch Transaction Record.pdf ) On XXXX XX/XX/XXXX, Wells Fargo returned my XXXX XX/XX/XXXX mortgage payment claiming they could not accept it because it was less than the required amount and they are not able to apply for partial payments. ( See uploaded XXXX ) Their letter did not say what that fantasy amount due was or where I might have discovered it. Their official account and escrow statements show that the amount I paid is the precise amount due. XXXX uploaded files shown below : XXXX. Wells Fargo Account XXXX dated XXXX XX/XX/XXXX - Uploaded XXXX WellsFargo-XXXX XXXX. Wells Fargo XXXX XXXX XXXX dated XXXX XX/XX/XXXX - Uploaded - XXXX I find it astonishing that XXXX put in writing that they are unable to accept partial payments. Accepting payments is a fundamental and essential capability of loan serving systems. 

Furthermore, my mortgage, like most currently originated mortgages, allows prepayment without penalty. This clause does not restrict prepayments. 

Even if my payment was less than their fantasy payment, their reason for refusing the payment is just make-believe and another opportunity to harass me.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Thomas Agency, Inc. (ME)

i have collection agencies coming after me for complaints that are over XXXX XXXX XXXX. Also these agencies have no idea what actually happened. i recieved a damaged item and had sent the item back and was never credited. i didnt even know the bills were still active. I was also the victim of fraud. Someone was using my name and running up my credit without my knowledge. This happened more than 10 years ago and its still ruining my life. I cant borrow anything and im about to be homeless. Please help!!
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

I was advised to contact you because I feel my mortgage company is not treating me fairly. I am paying a XXXX XXXX dollars a month for PMI insurance, and it seems to be very difficult for anyone to help me to get out of paying the PMI. They wo n't speak to me they wo n't give me a contact number, they 're making me put my request in writing which I 've done a couple times now. They are telling me that there 's no way I can get rid of my PMI insurance by using fair market value of my home and then I have to do a major home improvement in order to get rid of my PMI insurance. I am certain that I have enough equity in my house to have the PMI insurance waved however they will not help me get out of that insist that the only way I can is if I invest money into my home as in A major home improvement. I was advised by someone from another financial institution that this does n't seem right I feel I am being trade unfairly, and that maybe you can assist me
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Unlimited Progress Corp (IL)

CDA/XXXX  shows a date of being opened on XX/XX/XXXX in the amount of {$3700.00} and {$710.00}, which is incorrect I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX showing a balance still owed and this account has been settled. 
XXXX  XXXX  shows a date opened on XX/XX/XXXX in the amount of {$1200.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX XXXX XXXX  shows opened on XX/XX/XXXX in the amount of {$1000.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX shows opened on XX/XX/XXXX in the amount of {$680.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. 
XXXX shows opened on XX/XX/XXXX in the amount of {$500.00} I did not open an account with this creditor in XXXX. If an account was opened it is fraud. 
Balance : {$220.00} unknown creditor Balance : {$82.00} unknown creditor
Consumer complaint received 2016-05-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

On approximately XXXX XXXX, 2016 I contacted Ditech Financial, the holder of the mortgage on my home, with a question regarding the process for making a large payment against the remaining principle and also asking if I qualified for a " recast '' of the loan. I have received two letters from Ditech Financial both telling me that they are investigating my question. THIS IS A SIMPLE QUESTION! They are dragging their feet because they make over $ XXXX/day in interest on my loan. Every day they delay, more money goes in their pocket.