davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-01
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: AMCOL Systems, Inc. (FL)

Filed dispute with XXXX for two ( 2 ) transactions for XXXX each for Amcol Syst. These are supposedly collections for XXXX XXXX XXXX. The two amounts in question were removed by XXXX   XXXX XXXX based on information provided to them via phone and fax in XXXX on XXXX. They advised I would be relieved of the amount owed and it would be considered a XXXX balance. XXXX   never sent a further bill. On XX/XX/XXXX, I was notified of two ( 2 ) collections items being reported for the above mentioned items. I filed a dispute and equifax simply verified the name and address and said it was valid. No actual investigation was done. To date, I have not received any correspondence from someone called Amcol syst.
Consumer complaint received 2016-05-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (TX)

We fell behind in our mortgage because my husband 's work slowed down. I called AmeriHome several times to discuss this with them. We came to an agreement, and we are Making payments. On XXXX XXXX, 2016, we received a certified letter from them! 
We have kept our agreement, and they are suppose to be working with us on this! Now, now they are threatening to us with letters! What are we suppose to do?
Consumer complaint received 2023-03-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (SC)

I previously purchased a XXXX XXXX XXXX  through a company which my account was transferred to another company. During the process of being transferred, I was unable to make my payment on the online portal as I usually do. I could only view my amount. I had to go pay my bill to XXXX through bill pay which incurred a late fee due to not being able to get on the portal due to the transfer. I received a text few days later stating I had to call the company because my access one that transferred. I called the new company and verify the information that I received. I was given a different account number to make my future payments. During the conversation I emailed them new company the confirmation number form my prior company along with my recent confirmation that I made my payment. Days went by the new company stated they did t receive my payment. I resent the information back to them a second time. Since my account was setup on a biweekly schedule I was able to make my first payment through them on there web portal. My account have inaccurate charges due to the transfer I have my documentation from where my payment was made and a confirmation from my old lender stating my payment was successful.
Consumer complaint received 2016-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Windham Professionals, Inc. (TX)

I have student loans with the US DEPT of Education as well as well as the US Dept of Education XXXX. I had these XX/XX/2011. I have paid these religiously and I am current on everything. I had a company contact me called Windham Professionals and demand XXXX. 
They would n't allow payments. they said the only way to avoid fees is to agree to a lump sum payment. The issue was the Dept of education had crossed XXXX addresses when I updated my address. and when I got this notice from Windham It was messed up as well. The lady I spoke with was horrible and she would n't let me speak to anyone other than her. and then her reply was " just do n't pay it! '' Th
Consumer complaint received 2016-10-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo sent a check to me at an old address, noting that " a recent quality review '' revealed that I was " owed a refund for certain fees paid on '' an account that they reference. The check and account are in the name of " XXXX XXXX or XXXX XXXX ''. I do not know any XXXX XXXX, and I have not had an account with Wells Fargo since I was a college student in the early XXXX. I believe that my information was used fraudulently to open an account, possibly with this " XXXX XXXX '', and want a full review of this matter.
Consumer complaint received 2016-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

My husband and I purchased a property in FL, using a XXXX XXXX, which was turned over to Seterus , Inc. to service the loan. They have wrongly charged us an {$85.00} fee for an appraisal for a loan modification, which we have never requested. I only contacted them because we had paid the homeowner 's insurance and they had also paid it through escrow. We 've never, ever been late on our payments. This has been going on since XX/XX/XXXX and the fee has n't been removed, even after several phone calls and fax correspondence! We are worried it 's going to harm our credit if we do n't pay it and wonder how many other customers have gotten this same run around.
Consumer complaint received 2017-03-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo continues to re-order transactions and delay deposits on my checking account. I reported them to you months ago with no meaningful action taken. Due to these corrupt banking practices to increase revenue for Wells Fargo through late fees, I go negative or I can not maintain a minimum balance in that account. Now, Wells Fargo is taking that information to try and reflect that I am financially irresponsible and applications for credit have been denied based on this slanted information. My non-traditional credit score is also determined by my bank account history. Not only have they made hundreds, if not thousands off of late fees due to re-ordering transactions and delaying deposits but now, they are ruining any chance I have at building credit or obtaining a loan. At what point is a banking institution truly held accountable? Never? How many fines has Wells Fargo paid for this very practice in different states? The answer is XXXX. Yes, I can leave the bank but the damage their practices have caused will follow me. I am revolted by the sheer lack of inaction and carelessness. Wells Fargo is preying on those most financially vulnerable in our society and nothing seems to stop them. I 'll leave you with a final thought, at what point, do the American people lose all faith in banking institutions because the corrupt are rewarded again and again for their corruption?
Consumer complaint received 2016-02-20
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (OH)

we had a chase bank credit card i thought this card was paid off back approx XX/XX/XXXX its now XX/XX/XXXX and XXXX service files a garnishment against me, i called them and XXXX said it already done and hung up on me that was XXXX at XXXX XXXX
Consumer complaint received 2017-03-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SACOR FINANCIAL, INC (CO)

I have a debt collection company trying to collect a debt from XX/XX/XXXX that they purchased from a credit card company. They went to my home state of Louisiana and got a judgement to empty one of my bank accounts without serving me any papers to go to court. and are threatening me now in the state I live in. the debt is 12 years old and past the statue to collect on. and further more XXXX passed a federal law against collection companies doing this in XX/XX/XXXX. Please help me with this matter
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (TX)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-02-08
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)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I obtained a copy of all XXXX credit bureau reports and found that I had several inquiries that did not belong to me or that I did not authorize. I requested that all XXXX bureaus remove these inquiries but they indicated to me that I needed to reach out to the creditors that requested the inquiry and have them remove it from my report. I did contact each creditor who are now telling me that they legally pulled the inquiry but ca n't provide me with any signature showing that I approved the pull. I went back to the credit bureaus but they still will not remove the incorrect credit inquiries.
Consumer complaint received 2016-09-21
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

I recently looked at my Wells Fargo credit card account and found the account to be overdrawn. I looked at the statement and tried to figure out why the account was overdrawn but could n't find the reason. So I emailed Wells Fargo customer serviced and received the attached email that was unbelievable at their answer. The letter stated that I was charged a late fee for being two days past due date. I checked my credit card by laws and nothing in the laws stated that I will be charged a late fee for being a few days late. This ban k is already under investigation for unlawful acts.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I made a donation to my daughter 's school using paypal. 
I put my daughter 's name and period 1 teacher name in the memo. 
The paypal resolution center is holding my donation until I provide period 1 teacher 's date of birth. 
There is no way I can provide period 1 teacher 's date of birth.
Consumer complaint received 2016-06-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

Just discovered that we have been misled and lied to by Impac mortgage/Funding group who is the investor of our mortgage serviced by XXXX XXXX XXXX. Just yesterday I spoke with XXXX XXXX XXXX who assured me that the denial of the loan modification was actually made by Impac and not XXXX XXXX XXXX. Since XXXX 2016, I have been in contact with Impac Funding group and each time we were told and reassured that XXXX XXXX XXXX is the problem., by failing to send them a packet for Impac 's review Someone is not being truthful. We need this investigated because there has so many violations by both Imapc and XXXX XXXX XXXX. Impac carries the note and should be able to override XXXX XXXX XXXX but they have refused to do so. We have been charged an interest only loan which is illegal which will reset twice in six months. It was reset in XXXX 2016 and our payment increased {$1000.00}. from {$2900.00} to {$3900.00}. In XXXX the payment will be {$5800.00} which we can not afford. All interest only which is an illegal product.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX Has failed to report payment history correctly on the vehicle loan that was actively open during the time period XXXX Thru XXXX. Payments where not reported correctly starting XX/XX/XXXX XXXX XXXX of XXXX. There was no payment information report to all three credit reporting agencies. There was a covid-19 impact reporting freeze place on my account that I did not authorize and done with out my permission. Also There was a late payment on XX/XX/XXXX. That was incorrectly reported the payment was not late. Please update this information immediately and correctly to all three credit reporting agencies. for all months that wasn't reported immediately.
Consumer complaint received 2020-10-17
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 (SC)

I have been with Capital one since XXXX. I have 10 accounts with them. I have recently been adding authorized users to my credit card starting in XXXX of XXXX to help friends and family build there credit which is well within my right. Capital one has constantly restricted my accounts for fraud. This card has been open for over 7 years and has never had problems until I have added authorized users. I have sent them all of the documents they have asked for and they still choose to close my account. They wont give me any information as to why after 7 years that my account is being flagged for fraud. They are not taking into consideration that I have been a customer for 11 years with no fraudulent activity. They made me verify the people that were added and than after verifying and reinstating my card a month later asked me to reverify the same people and than closed my account permanently saying that they couldn't verify them. These are real people, with real identification, and real social security cards. When they first asked for verification the friends and family were XXXX people. When there were issues with ID 's not scanning Capital one called back and let me know which ID 's had a shadow and the system would not pick it up. I was instructed to correct the issue and resubmit. They also called and let me know to have the cards resubmitted so that all four corners could be seen. This last time when I added my friend from XXXX they called back with no explanation and said that my account will be closed permanently due to a person that could not be verified. Seems really shady that the first time they were more than willing to offer information but did not want to offer anything and was real quick to close my account. This will drop my credit score at the time I am trying to get a mortgage for my first home. I have worked hard to get my credit where it is and I need my credit history, which can not happen over night.
Consumer complaint received 2016-12-02
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

I used western union to send an international money transfer. My receiver went to collect funds and was told that this transaction did exist in their system. I contacted western union and the representative asked me to call back at a later time since their system was down. By the way its almost always down. I used a different money transfer company to resend money and my receiver was able to collect the same day. I contacted western union to request a refund and way denied.
Consumer complaint received 2021-01-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NJ)

My fiance and I had no choice but to defer our mortgage payments due to XXXX. We are first time buyers and most of our nest egg went to our down payment and closing costs. 



We only ended up missing about XXXX months payments, and when it came time for us to resume our payments, we gladly accepted the loan modification agreement. We took time off work and got our documents notarized at the bank and mailed them back in the envelope provided by US Bank. The documents were never received and I was not notified, and then began receiving phone calls from debt XXXX asking me to pay my balance. I informed them I had signed a loan modification, and then disconnected the calls. 





I finally contacted US Bank to question when I would stop receiving debt collector calls and thats when I was told I would not be eligible for the loan modification due to failure to return documents. But I did return them it was not my fault they were never received. I was then sent a second set of documents, my fiance and I tried again at the bank getting them notarized and sent back. They were denied again due to my fiance not signing the proper name and the signatures not being legible. US Bank created multiple aliases for my fiance on their own accord, including his : First name, middle name, and last name XXXX initial, middle name, and last name XXXX name and last name Because he didnt sign all XXXX names, our documents were refused AGAIN. I only found this out from a phone call I placed to US Bank, they did not contact me. 



We were sent yet another set of documents and took yet another day off of work to get to the notary. My fiance signed all XXXX names to the best of his ability on the small line they provided for him to do so. We sent them back the same day, and yesterday, XX/XX/21, I called US Bank to check on the documents. They were refused again. Why? The first representative I spoke to said their underwriting department refused them because he did not fit them all onto XXXX line. I questioned this, saying it was absurd they expected him to sign XXXX names, including XXXX between each on XXXX small signature line, legibly. I asked to speak to the underwriting department, I was told this can not be done. I asked to speak to my relationship XXXX, the representative told me she would connect me and actually just transferred me back to the general customer service line. 

The next representative I spoke to told me my fiance did not sign all XXXX names in the proper order. This left me incredibly confused with no clear answer. I just want my paperwork to be accepted so I can resume paying my mortgage. I can not afford to keep taking time off work to get to the notary on time. I can not risk losing my home, and I can not get a clear answer from US Bank as to why they are making this so difficult. 

I find this practice to be predatory, as there is no clear guidance on how to properly complete these documents. I also find it unethical how I can not speak to a XXXX to explain or assist with my documents.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NC)

1 } EQUIFAX kept information on my personal credit report over 7 to 10 years ; also kept on placing accounts unrecognized by me as owned by myself, even a judjment not mine. XXXX cleared me on one account they kept putting back on me and they still would n't take it off. 

**See reports attached **FOR all this please see attached
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I sent a request to Equifax to freeze my credit both in XXXX XXXX and then again XXXX XXXX per their request to send new documents. I also called in XXXX XXXX, because I had not received the pin and they said they were mailing the pin. I 've never received the pin numbers or confirmation that a pin was in place. I 've already sent all my documents Police report, proof of address, ID, ID Theft Affidavit.
Consumer complaint received 2022-08-09
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)

A multitude of " Inquiries '' are listed on my consumer report that are allegedly the results of consumer credit transactions. 

I did not consent, authorize, and/ or grant permission to EXPERIAN XXXX XXXX XXXX XXXX XXXX or any other Credit Reporting Agency to furnish these inquiries on my consumer report, which constitutes Identity Theft. 

In additoin : Pursuant to 15 USC 1681a ( e ) A consumer report, or portion thereof shall not include specific factual information obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2022-02-08
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: CITIBANK, N.A. (FL)

My Bank XXXX merged with XXXX XXXX XXXX and is now XXXX. Due to the merger there were errors made on their on line banking platform, where auto debit payments were not made. 

A payment to Best Buy ( Citi Bank ) was missed by XXXX  XXXX. 

I have a letter from XXXX XXXX admitting their error. I have spoken to 15 or so Citi employees including a quite rude Supervisor named XXXX. 

Many were empathetic, and one Supervisor XXXX even went so far as to say " I see what happened and you should not be in the middle. We can fix this internally ''. When I followed up, Supervisor XXXX said " it's not our error, and our position at Citi is unless we make the error, we do not revise the credit report, even though you are not responsible ''. 

I am baffled as to how I as a consumer am being so negatively impacted with ZERO help.