davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

My original mortgage was executed in XXXX XXXX, and within a month it was sold to Wells Fargo Home Mortgage. We have experienced an increase of {$400.00} per month in our house payments since that time. Wells Fargo claims that all of the increases have been because taxes or insurance have gone up or " the State of Texas is requiring more padding. '' Every year we go to the appraisal district and have kept our taxes basically where they were in XXXX. Our insurance did increase a large amount with the XXXX XXXX, renewal because the company left the XXXX umbrella. We now have a new insurance company and the price dropped over {$600.00} each year. 
In XXXX XXXX, I inquired with Wells Fargo about paying my own taxes and insurance and they were amenable to that at that time but we decided to wait until my Trust Fund would become available at the beginning of XXXX. I immediately called Wells Fargo to let them know that we wished to begin paying our taxes and insurance and they told us FIRST that the FHA did not allow that and when I referred them to the RESPA website, which clearly indicated that there was NOT a FHA requirement that escrow must be held by the mortgage company. Then they claimed that it was their personal policy. I responded by stating that there was nothing in any of my loan documents that indicated that I could not elect to pay for my own taxes and insurance and in fact there was an election that enabled me to choose what I preferred at the time the mortgage was closed. After this discussion, I was referred to an " executive mortgage '' consultant who said that she would see if they could " relax their requirement '' in our case. A week later, she called back to let me know that they could not. At that time I informed her that I had gotten new homeowner 's insurance and that I would be taking care of that personally. She was not happy and this time she tried to use the excuse that FHA required that I have an escrow account. Again, I referred her to the RESPA website and then, just as the other agent did, she said it was Wells Fargo 's policy! I was flabbergasted and held my ground by telling her that the insurance had already been paid for and that I would need that amount removed from my payment and that they would also owe me for the insurance accrued in my escrow account. She didnt respond and the call was ended. Here we are a week later and my escrow account and house payment have not been corrected to reflect the removal of the insurance charges. Wells Fargo is creating excuses to retain escrow amounts for their own financial purposes.
Consumer complaint received 2022-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc. (IN)

Nationwide Credit called my cell phone on XXXX and asked for my mother, XXXX XXXX. I explained that she is XXXX XXXX XXXX, very ill and in hospice care and she does not live here, and her only income was social security that she does not even get anymore. I explained that I am her daughter, this is my personal cell phone number and please do not call me again. On XXXX XXXX called again, I explained again that I am not XXXX XXXX and that is my mom and she does not live here, very ill, etc. the representative was very rude and called me a XXXX as she disconnected the line. On XXXX Nationwide called again, I explained for the XXXX time that I am not XXXX XXXX, this is my personal cell phone. I also told them that is this is the XXXX time that you have called asking for XXXX XXXX and to not call me anymore. Approximately XXXX minutes later I called Nationwide Credit to make sure that they remove my number from there database. They said I am not in there system, I explained I know I am not in your system but my mother XXXX XXXX is and she is who keep calling my cell phone for. Nationwide said they can not remove me as I am not in there system. I am tired of Nationwide harassing me. It is difficult enough to face the upcoming passing of my beloved mother, I should not be subjected to XXXX from Nationwide Credit.
Consumer complaint received 2015-04-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: STATE FARM BANK, FSB (DC)

I went to my State Farm Agent to conduct some business. In the time that I was there, I decided to open a bank account. After leaving the agents office I was confident that everything was done and that I was only awaiting a debit card, deposit slips and withdrawals slips. I received information by mail that the account could not be opened. When calling state farm bank, I was told that the account could not be opened in a joint account and asked if I still wanted the account opened. I responded to the young lady that yes I want to open the account, ( I was not aware that a new application was being done ). She informed me that I would need to send them verifying information and I asked her could I email that information to her. She in turn said no that it needed to be faxed. I told her that I would take it to XXXX with me and see if the bank could fax her that information since I did not have access to a fax machine. I DID NOT FAX THAT INFORMATION TO STATE FARM. On XXXX XXXX, 2015 monies were transfered to State Farm bank from my XXXX XXXX XXXX account. I contacted State Farm Bank asking that the monies be put back into my account since I was under the impression that the account was not open. In an effort to have the monies sent back to my account today, I was told that nothing could be done until they receive the address verification. Again I told them that I do not have access to a fax machine and that I could scan and email them the information that they needed. The supervisor in turn got on the line and said that they could not accept it by email and that I could go to a state farm office and have it sent to them. Again I asked how do he propose I get to another agents office when my vehicle does not have any breaks. I also informed them that they were stealing my money and I wanted it back immediately. Question : IF I DID NOT SEND YOU VERIFICATION FOR THE FIRST ACCOUNT, WHY WOULD YOU OPEN A SECOND ACCOUNT?
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

American Express is not allowing me access to my Membership Rewards points after I have earned the points. I have an upcoming flight I need to transfer my points to and it 's frustrating how they advertise their rewards program and not allow you to use it. American Express refuses to let me speak to the department that handles it and refuses to give a timeline on when it should be resolved.
Consumer complaint received 2015-11-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

URGENTForeclosure sale set for XX/XX/XXXXRe : Carrington MortgageI have been trying to work with and submitting requested documents for a loan modification since XX/XX/XXXX. I have lost count but think it has now been nine ( 9 ) times so far. They have been unwilling to follow through on the promised process. Every time, I get a letter stating that I have not included all requested documents ( which I have. ) When I call to find out what they are missing, even the clerk answering says " yes I see that document '' and everything is in order and she will make a note for the processor so that it can go to underwriting. They have all my contact information but I never get a call or return call from the process person or underwriting. Months went by when I called and only got a recording stating that they were overloaded with calls and call back at a later time. I then and always get a letter stating that since I did not meet required documentation the file is closed. I call again, they see all documents but say there is nothing they can do once it is closed and I will have to resubmit. And the entire debacle starts again. When I asked where do I file a complaint, I was cut off. I have since enlisted the help of a Housing Counseling Agency and they are experiencing the same issues. Exuberant amount of time on hold only to be told the contact person is not in and also requesting documents already sent ( this can be verified in the XXXX Portal. ) The Agency has been outright refused by the servicer to speak on the loan despite Carrington having an authorization on file. Carrington seems to be purposefully postponing the review of the mortgage loan application when a pending sale date of XX/XX/XXXX is coming close. And with the XXXX holiday that leaves only 4 business days to remedy this situation. I therefore, urgently need your help and intervention immediately. We desperately want to keep our home and are diligently doing our part to try and make that happen.
Consumer complaint received 2015-10-30
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (NC)

XXXX refunded a transaction for {$68.00} back to my GoWallet VISA. The money has not shown up in my GoWallet balance. When I called GoWallet they said that they do not have my refund and XXXX was lying. They said I had to start a recovery process with GoWallet that would take 90 days to process. When I asked to start that process to recover my missing refund they said they could not because the support people do n't have time. This seems to be a scam service that is hoping I will give up. Please help me. I can not afford to loose my money.
Consumer complaint received 2023-05-08
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: V and H Portfolio (MI)

First of all that whole thing is a joke that paperwork makes no sense nothing adds up scam written all over it the next payment date is XXXX I wasnt even born yet and the date that the account was opened it has 2 different dates one XX/XX/XXXX  and the other is XX/XX/XXXX  and the amount is XXXX or XXXX or is it I cant keep up. Also this store I tried to locate doesnt exist. Its am on line store even my signature was an electronic signature for all those tools I purchased! Ive never purchased tools let alone lease them. I have attached the documents that show that Ive tried to dispute them this. I did it through kredit karma and maybe thats wrong but I did try
Consumer complaint received 2022-02-04
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. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

I HAVE SUBMITTED A MODIFICATION REQUEST TO MY SERVICER BSI ON XX/XX/2016 AND HAVE CONFIRMED RECEIVED ON XX/XX/2016. THE REPRESENTATIVE THAT IS ASSIGNED TO THE FILE IS XXXX XXXX WHICH HAS BEEN ASSIGNED SINCE XX/XX/2016 AND HAS NOT PLACED ONE CALL NOR HAVE REVIEWED THE FILE ONCE. THERE ARE NO NOTES PLACED ON THE FILE BY MY ASSIGNED REPRESENTATIVE EVEN THOUGH I HAVE BEEN CALLING TO MAKE SURE THE FILE IS MOVING FORWARD NO CALL BACKS NO MOVEMENT, THIS IS NOT ACCEPTABLE.
Consumer complaint received 2016-03-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: National Principal Group, LLC (IL)

My family remember received a call from National Principal group claiming that they are looking for me and need to know my whereabouts. They are claiming in their message that they will press charges against me if I do not contact them. I have no idea who this is or why they are harassing my family member. i do n't even know how they got my family 's phone number. It is illegal to harass or threaten to obtain money from me.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (MD)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. ( account # XXXX ) 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

46.0K 483
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I reviewed my consumer reports and I noticed a late payment on the account that was incorrectly documented because I was never late. The consumer reporting agencieshave assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on the account that I have included screenshots to this complaint for XX/XX/23. Please investigate and provide proof with statements showing this payment as late. If unable to provide proof, I demand this payment information be Immediately updated to paid as agreed on time, as they should due to the fact that I was never late. Thank you, see screenshots attached.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My auto loan payment for XX/XX/2023 was made and funded on XX/XX/2023. XXXX XXXX is reporting me 30 days past due when the payment including late fees were paid 26 days late. 

My auto loan payment for XX/XX/2023 was made and funded on XX/XX/2023. XXXX XXXX is reporting me 30 days past due when the payment including late fees were paid 23 days past due. 

The company bills for late fees but when paid they do not allocate the additional funds to cover for late fees. This is an unfair practice. 

This erroneous information is hurting my credit profile.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I notified each credit bureau that I found accounts on my credit report that don't belong to me they are pretty old accounts but I am only noticing them now because I have not had any credit in the past and I would like to obtain credit now there are only two accounts reporting on my credit report and neither belong to me thats why I reached out to the bureau 's I also went to the FTC website and filled out an affidavit regarding the theft that has occurred. The bureau 's have not responded to my claim and I would like this issue to be resolved quickly. Please see attached letters sent to the credit bureau 's and a copy of the affidavit that I sent to the credit bureau 's.
Consumer complaint received 2020-09-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A. (AZ)

I have 2 loans with PNC. One is a very old line of credit over $ XXXX. I have called, sent messages from their online portal from account, but no response. 

PNC is consistenly misposting my payments. An example is I pay {$1000.00} / mo but my monthly payment is XXXX {$700.00}. They are instructured to apply any additional funds included with my monthly to be applied to the loan ( s ) principle but they are not consistently do it. They are posting some as principles but just as many toward interest. 

I've been dealing with them for years. I rarely have time to dig in to the details but then when I do and try to resolve it ... I get no response. 

Can you please?
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one has been holding my ppp loan funds frozen for 7 months. I previously filed 2 complaints regarding the same issue but capital one never did what they said in their last 2 responses. In the last response they said they would be returning the funds to XXXX the lender i received the loans from, before XX/XX/2021 BUT NEVER DID. Actually they closed my account but the funds in the account of the XXXX loans total of approximately {$70000.00} were never sent back to XXXX nor they given me the funds. So Capital closed my account and {$70000.00} disappeared illegally. So capital one Closed my account with a {$70000.00} balance, withdrew the funds and kept the them. They also claim they cant tell me where did the money go. I contacted XXXX who sent capital one an indemnity form after Capital one requested that, including all information for the return of the funds BUT CAPITAL STILL HOLDS And UTILIZE MY FUNDS TO THEIR OWN UNETHICAL GAIN AND BENEFIT. So i would like to know where are my funds and why they weren't sent BACK already?
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 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.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (AR)

Penny Mac is continuously reporting DEROGATORY STATUS in regards to my loan UNDER FEDERAL LAW (CARES ACT RULES) I reqested a forbearance  COVID-19 (PRIOR to becoming deliquent ) PLEASE NOTE THERE RESPONSE IN PREVIOUS COMPLAINT A LYE !!! @ the time of first complaint NOT OFFERING ME THE FORBEARANCE THEN ALL OF A SUDDEN AFTER MY COMPLAINT THEY WERE FORCED TO COMPLY, ALSO THEY VIOLATE THE GRACE PERIOD @ no time was I delinquent when applying for COVID-19 therefore its illegal under Cares Act. THEREFORE THERE NOT REQUIRED TO MAINTAIN A DELINQUENT STATIS "there a lyer)  by federal law required to report as CURRENT, I spoke to there legal department numerous times and they agreed the report was wrong then last week he stated it was not wrong and I hung up in his face, there tactics and damaging my report has acquired much emotional harm as well higher interest rates that creates a hefty penalty/LAW SUIT there wrong reporting dropped my score XXXX  points QUITE DAMAGING please note I am a payee on the XXXX XXXX  law suit and PennyMac has adopted the same practices.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (MD)

Sent a few letter to different addresses listed for the company and never got any response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " JPM Chase d/b/a JP Morgan Chase '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This company keep putting this account on my report I 'm a victim of identity theft they keep putting on and taking if off back and forth I do n't no what to do again given summit all document to them and it was removed from the rest of credit agency.
Consumer complaint received 2015-12-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

I was contacted by Midland Credit Management in 2014 in relation to a supposed debit owed to a Credit card issued by a XXXX some eight to nine years ago. I do not remember ever being involved in anyway with XXXX and asked for back up showing the debit was valid. They could not provide any proof, however when my employer received a wage garnishment, paid a similar amount to that claimed by a Bank Check. MCM have again contacted me relating that the debit is still valid and want payment of a similar amount.
Consumer complaint received 2024-02-13
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. (CA)

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 15 USC 1681.

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.