davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Blitt and Gaines, P.C. (IL)

On XXXX XXXX, I received a letter from Blitt & Gaines regarding a debt. The debt was in the amount of {$14000.00} and from XXXX XXXX. I have no idea what this debt is, so I responded to the letter with a certified letter asking for the amount and age of the original debt, the name of the original debtor, a copy of the last billing statement sent from the original creditor, if there were any payments made on the debt, and any interest, fees etc on the debt. They followed up with a letter stating the name of the original creditor was XXXX XXXX XXXX, and a different amount of {$14000.00} owed, an assignment of the bill of sale of the debt from XXXX to XXXX XXXX dated XXXX XXXX, XXXX, and a copy of a court document dated XXXX/XXXX/XXXX stating that the default amount of the debt from XXXX was {$9500.00}. I do not know the dates of the original debt, I was never notified of this court hearing and I am under the impression that this debt was paid in full to XXXX. I do n't remember having ANY contact with XXXX XXXX. I am still unclear what the {$5400.00} difference is in the amount owed and the current amount and I do n't feel I have a clear understanding where this debt came from and when the original debt supposedly went into default. I think this debt is beyond the statute of limitations in Illinois and is time-barred.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

I am trying to open a XXXX XXXX account. I have a credit freeze on my credit. I went on the Equifax website and lifted the freeze. However, Equifax will not release me credit score to XXXX. I have called Equifax 3 times and they assure me the freeze is lifted however, every time XXXX tries to get my credit score Equifax tells them it is frozen and that I need to call them to lift the freeze.
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (IL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Moria Development, Inc. (AZ)

A mortgage lender opened a credit card in my name without my permission. She did this during the process of my mortgage loan which we never closed on. She stopped responding to my phone calls and emails and when I asked her about the credit card via email, I never got a response from her. She stopped all communication and because of that, I lost my dream home, my money that I invested, time and money lost from taking off work to provide all the documentation that she needed. Now my credit report has a fraud alert on it and it is now causing me to pay deposits for things like my XXXX bill of {$250.00}.
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Forster & Garbus LLP (NY)

This collection agency is attempting to sue me and collect on a debt that was a result of fraud. I notified them of this on multiple occasions both in written and in verbal form. 
Additionally, this collection agency is using illegal tactics such as 1. contacting me during all hours of the day and night.

2. The acts of this collection agency interfered with the quiet enjoyment of my property 3. Not notifying me of this debt in a legal manner.

4. Harassing me at my place of employment sending letters and making phone calls to my job forcing me to get have to leave my place of employment.
Consumer complaint received 2019-10-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southwest Stage Funding (AZ)

I applied for a re-fi on my home and was rejected. In the rejection notice it was stated that a written reason for the rejection would follow but I never received one. I contacted the company several times and they refused to give me the information on the rejection -- - they have stopped responding to me. The company name is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, AZ XXXX. XXXX
Consumer complaint received 2020-04-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY (SC)

On XXXX I contacted Wells Fargo to inquire about the bank 's policies surrounding recasting my private student loan. After being bounced through several different departments because they were entirely unaware of what the word " recast '' means - I had to call back and escalate the call to XXXX XXXX in the Consolidation Dept. This was after being hung up on by a gentleman named XXXX who pretended he couldn't hear the incoming call. Wells Fargo is already notorious for having an outrageous recast minimum of XXXX on their mortgages while most banks are XXXX. I've used recasting in past years to pay down considerable student loan debt when I was with XXXX XXXX. Today I was simply trying to get information regarding fees, number of times I can recast and minimum - however I can't seem to talk to anybody at Wells Fargo that understands the word. It isn't in my loan documents anywhere - for better or worse - which leads me to believe that Wells Fargo is not in compliance with TILA / Regulation Z - they should have disclosed any and all terms and fees to me within that document or at the time of borrowing. Only after mentioning CFPB to XXXX, I was told that the call would need to be transferred to the Executive Office. I read this complaint on a recorded line to XXXX for accuracy. 

Was escalated to XXXX XXXX
Consumer complaint received 2015-10-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

STILL WAITING FOR THIS INQUIRY FROM XXXX TO BE REMOVED EVEN THOUGH EXPERIAN HAS LETTERS FROM THEM STATING IT WAS AN ERROR ON THEIR PART AND SHOULD NOT HAVE BEEN RUN AGAINST ME,
Consumer complaint received 2017-02-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP (TX)

I had a personal business matter with US Bank exposed to XXXX of my co-workers and possibly several others. Where I work we are very busy company with hundreds of employees and millions of customers. I was assisting a customer, when another co-worker came to me to ask me if I drove a XXXX and descried my vehicle to the XXXX At which time I stated yes, thinking someone had hit my vehicle once again in the parking lot. She then proceeds to inform me that my vehicle was being towed. I was in a state of confusion because I did n't understand why my vehicle was being towed and had no way to disconnect with my customer that I was assisting. Another co-worker happened to be going on a break and went outside at the same time my vehicle was being towed. She asked the tow truck driver if it was okay for me to retrieve some of my personal belongings because I was with a customer and had no clue as to why my vehicle was being towed. The driver informed her that he had no problem allowing me to retrieve my belongings. This is where the conversation should have ended. However, he then took it upon himself to disclose the fact that the reason why my vehicle was being towed was because I was behind XXXX months on my note per US Bank and at their request. This information should have NEVER been disclosed. My co-worker never asked why it was being towed. She only stated that she knew who the vehicle belonged to and if it would be okay for her to come get me so that I could retrieve some of my personal belongings in the vehicle. I am a student and go to school at night. Therefore, I needed to get my school bag and scrubs out of my vehicle. I work a full time job from XXXX and attend XXXX from XXXX too. I have been COMPLETELY EMBARASSED in front of my entire facility and the people I work with. This situation should have never happened in the first place. I was in contact with the lender, whos agent supposedly duly notated my account, due to my personal bank account being stolen and another private matter, I made arrangements to rectify this situation as soon as financially possible ( because I get paid at the end of the month ) and was informed that my vehicle would not be in danger of being repossessed. This was clearly all XXXX big lie. On top of all of that, in good faith, I made a payment XXXX days after speaking with this agent even though the agreement was for the end of the month. Lesson learned her is always make sure what is communicated between an agent and consumer is actually properly notated on your accounts and never put faith or trust behind a persons words because that is all they are, just words.
Consumer complaint received 2016-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (SC)

I checked my credit report in XXXX 2016, and noticed a collection account from IC Systems in the amount of XXXX, I have since found out that they are stating I owe for XXXX, I explained to them that I have never had an XXXX account and would like it removed from my credit report, I was never contacted by anyone in regards to this supposed account, and since the request I have not heard anything either. I have sent XXXX letters as well as emailed the company directly with no response.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

XXXX and Equifax are both reporting a missed loan payment from XXXX for XX/XX/XXXX. I graduated XXXX on XX/XX/XXXX, with a 6 month grace period and my loans did not enter repayment status until XX/XX/XXXX. They reported 5 missed payments ( 5 separate disbursement loans ) and charged late fees on all of them. In addition, I was never given a payment option below $ XXXX- {$600.00} and could not afford it at the time. They continually put my loans into forbarence, which has resulted in an large amount of interest also. I cant afford my monthly payments at this point, and they are not willing to do anything to fix their mistakes. My credit report has suffered greatly because of this.
Consumer complaint received 2019-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/19 and XX/XX/19 a donor donated {$2.00} to our not for profit charity via Paypal. Subsequently they withdrew the donation ( reason unknown to us- this was an unknown donor ) and we were charged {$20.00} by Paypal ( for each donation total {$40.00} ) as a chargeback fee on XX/XX/19. Since we can not control donations or donation withdrawals this is completely unfair. Calls to Paypal on XX/XX/19 and XX/XX/19 to their resolution center were answered by someone who could not resolve the issue. When we asked to speak to a supervisor we were placed on hold and after 20 minutes hung up. Theoretically our account could be drained by chargeback fees from donations that are withdrawn and are beyond our control. This is an issue that any not for profit that uses Paypal for donations could face. Paypal needs to address this but there is no way for us ( a small local not for profit in NY ) to  bring the issue to their attention via their resolution process.
Consumer complaint received 2021-04-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (IN)

I have been trying to do a modification on my home mortgage since XXXX XXXX I have done the process five times each time it is denied because paperwork requested The last two times it was denied for not returning paperwork there were still a few days left according to the request documents to turn the papers in still when the deny was made Here are dates and detail to follow I feel I am being discriminated again and mislead and lied to by this company XXXX XXXX sent first Application sent documents said I work hear by late XXXX. Never heard anything XXXX secondcalled to check status. Told it was denied for requesting documents not turned in XXXX XXXX Application third XXXX XXXX I recieved letter stating recieved appXX/XX/XXXX Financially complete XX/XX/XXXX Decision made by XXXX XXXX XX/XX/XXXX letter request documents sent in by mail Said they never record XXXX XXXX letter denial documents not turned in XXXX XXXX sent third app certified so they couldnt say they didnt recieve it XXXX XXXX letter stating recieved app XX/XX/XXXX its complete decision made by XXXX XXXX Called XXXX XXXX and XXXX to check on modification could not get through to anyone It kept sending me to a modification department and the line would then disconnect my after a thirty minute hold several times XXXX XXXX I email customer service with my issues XXXX XXXX sent back forbearance documents requested XXXX XXXX sent in requested form and other requested documents XXXX XXXX they requested the income and other documents and gave till XXXX XXXX for documents return by date XXXX XXXX sent requested documents XXXX XXXX XXXX sent denial letter for not turning in documentation I still had till XXXX XXXX according to the letter they sent but denied it and told me I again had to start over I sent in Application fourth XXXX XXXX letter stating recieved App XXXX XXXX facially complete XXXX XXXX Decision made by XX/XX/XXXX XXXX XXXX second additional papers requested. Paystubs turn in date of XXXX XXXX XXXX XXXX sent in doc via email XXXX XXXX talk to XXXX she confirmed they had the documents Thats what I sent was alll that was being requested The phone call was recorded around lunch time XX/XX/XXXX letter of denial for not proper paperwork and again I had till XXXX XXXX to turn in documents so they still denied it before the time frame and I had confirmed it was there and complete days before I have called twice and when I ask to speak with a manager because they told me I needed to start over again I get sent to a voicemail for a person that didnt call back also tried emails on XXXX XXXX and XX/XX/XXXX no response to date
Consumer complaint received 2016-08-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (OH)

I have/had account ( s ) with PNC Bank, some for 25+ years & others current accounts. For some reason they have closed them. They tell me to go to my bank account disclosures. This makes no sense to me. I maybe " being '' discriminated against by PNC Bank, I do n't know?
Consumer complaint received 2017-07-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX In XXXX I took out a loan for {$140000.00} with USBANK. This loan when I took it out was a HELOC. ( It was a revolving line of credit. ). Then in XX/XX/XXXXUSBANK converted the loan to a XXXX ( MORTGAGE ) that does not have a revolving line of credit. But USBANK did not amend the DEED OF TRUST that they used to record the loan on title. On XXXX XXXX I applied for a HOME Equity Line of Credit with XXXX. Aproximately 3 weeks later I found out that there was a problem with how USBANK had recorded the current loan ( {$140000.00} ) was recorded on the title of my house. I brought this to USBANK attention right away but they took 3 months getting back to me with a definite answer. They said they had done nothing wrong. Though they wrote me several letters that stated. 1. they had done nothing wrong. 2. They had reported everything properly. 3 That I had a MORTGAGE and did not have a revolving line of Credit. 4 That the mistake was not theres but it was the title company 's ( XXXX XXXX XXXX ) who misinterpreted what they recorded. I have found out that that the only instrument that USBANK recorded was a Deed of trust that clearly states that I have line of credit with a max loan amount of {$140000.00}. This was correct in XX/XX/XXXXwhen it was recorded but when USBANK changed my loan in XXXX to a mortgage without a LINE OF CREDIT there should have been an amendment to the the original deed of trust. As a result of their failure to amend the DEAD OF TRUST. I had my loan with XXXX cancled and had to restart my loan at .25 % higher rate after USBANK finally put in writing that I do not have line of credit and actually have a MORTGAGE. I believe also that USBank has done the same thing to all of their customers who had HOME EQUITY LOANS with them prior to XXXX when they converted all of them to mortgages. I Believe that USBANK should pay the difference in the cost of my loan over the life of my loan. ( {$5300.00}. ) This is the damage that I am incurring as a result of 1. USBanks slow decision making ( 3 months ). 2. The fact that USbank never amended the Deed of Trust to reflect the loan change that they made in XXXX. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-05-28
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: LENDER LIVE (MN)

I am receiving up to 7 calls a day from my loan servicer and about half of those calls are just dead air, no one on the other line. I have also instructed them that they are calling at very inconsiderate times as I work night shift and I have asked for no calls before XXXX or after XXXX. I repeatedly receive calls in both the XXXX hour and the XXXX hour. I understand I owe a debt and have no problem discussing the debt with my mortgage servicer, but 5-7 calls a day, every day except Sunday is starting to seem like harassment. I have discussed this with my servicer and their only answer is that calls will continue until the loan is brought current.
Consumer complaint received 2017-07-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NJ)

I made my payment as usual and to my dismay, I got an alert this morning that my payment was late. I was not 30 days late as the credit report states. I even spoke to someone and they confirmed that I was no where near 30 days late.
Consumer complaint received 2017-07-19
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: U.S. BANCORP (OR)

Credit report indicates I have opened a credit report with ELAN Financial Services on XXXX XXXX, 2017. I have contacted the company, both by phone and by mail and informed them that I have NOT initiated opening of an account with ELAN Financial Services, not authorized anyone else to do so. And I have filed a dispute with the Credit Reporting Company ( XXXX ). The response from ELAN was " we have determined the account information submitted by XXXX XXXX to the consumer reporting agencies is accurate ''. Further attempts to contact ELAN have not been fruitful.
Consumer complaint received 2022-10-03
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. (NC)

I wrote to the credit bureaus on XX/XX/22 and XX/XX/22 requesting verification of the late payments on the attached accounts. I am sure I have never been late of this account and requested a detail payment history summary so I can see when payments were received into their system. The bureaus have failed to verify these late payments, but continue to report it. This is a violation of the FCRA.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IN)

I have this credit card that keep inflating my payments, which in turn increases interest and late fee charges! At first it started out as a normal transaction with them ( which was affordable ) now it has gotten out of reason. date new balance past due amt minimum payment due XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-19
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. (IL)

I 've been on the Income Driven Repayment Plan for 3 consecutive years. I had re-submitted my annual documents in a timely manner for the Income Driven Repayment plan, so I can remain enrolled. However, XXXX XXXX XXXX DID NOT process my renewal properly, and as a result my credit score declined 100 plus points. I 've contacted XXXX XXXX XXXX about this issue. They have only assigned my Account as current, yet, they have not removed the PAST DUE dings on my credit. I now have 10 student loan accounts they have negative markings, resulting in a lower credit score. Please help me with this matter. Thank you, XXXX
Consumer complaint received 2015-12-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION (FL)

I wanted to pay off my XXXX loan so I contacted M & T Bank customer service email and they replied back saying it had to be paid by certified funds in order for the XXXX hold of lien release to happen so I paid with a certified check from Alabama XXXX XXXX XXXX ( XXXX XXXX XXXX ) in XXXX Alabama. and now the Bank M & T which in email stated nothing about a credit union certified check is n't accepted as a certified check but normal check and thus have to wait 10 days in order for the Lien to be released off Title. The email which I have and send states only that a certified funds and that I did and sent to the address they provided : M & T Bank XXXX XXXX XXXX XXXX, DE XXXX They recieved this on XXXX XXXX and I feel they are holding onto my title and lien for fraudulent reasons as I did everything they said. customer service number is XXXX and talked with a supervisor about this his name was XXXX and his employee number is XXXX.