davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I believe I may be entitled to be eligible to receive a Settlement from Wells Fargo due to a Following Reasons : I was the recipient of a subprime loan with XXXX XXXXXXXX in XXXX just before the demise of XXXX. This loan is adjustable and the interest rate changes every month. 
I have been paying monthly on this loan to XXXX XXXX as the Mortgage Servicer since XXXX XXXXXXXX Failed in XXXX until XXXX, XXXX. XXXX XXXX XXXX went to court in XXXX supposedly to prove they was the Owner of my mortgage although there was no Assignment of Mortgage to XXXX XXXX from XXXX XXXXXXXX or Deed of Trust recorded in the County Land Office to prove ownership.. 
In XX/XX/XXXX, XXXX years later, a Reacted Deed was recorded in the county land office by XXXX XXXX. There was no Assignment of Mortgage to XXXX XXXX XXXX recorded until XX/XX/XXXX. These Recording were the result of a court case on XX/XX/XXXX where the Judge allowed XXXX XXXX to make up all the paper work needed to prove it was the owner and to record it in the County Land Office. 
In XXXX, XXXX, I was notified by XXXX XXXX that my mortgage would be assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the following month. 
Upon Inquiry to XXXX asking who was the Noteholder 's identity ( Owner ) of my Mortgage since I always understood that XXXX XXXX XXXX and XXXX were both Mortgage Servicer. 
I received a letter from XXXX stating that Wells Fargo Bank, N. A. as Trustee for XXXX XXXX Pass-Through Certificates, Series XXXX is the owner of the account and XXXX is the Mortgage Servicer and was responsible for enforcing the Deed of Trust and Adjustable Rate Note on behalf of the Noteholder. ( see upload of copy ) Looking back From the time I was notified around XXXX that I would be sending my payments to XXXX XXXX XXXX until XX/XX/XXXX, I was not allowed to refinance this subprime mortgage that has an adjustable rate that change monthly. For the past 17 years although I had made payments on time and was never late, I had tried to modify this loan or refinance and called many times to inquire and was basically passed around and around until I usually heard a dial tone but no answers. I believe this was due to the fact that XXXX XXXX knew that a Refinance would be a problem because they were not the Owner since they knew none of the paper work was in place at the County Land Office doing those nearly 20 years they serviced my mortgage. 

Now that I have this letter stating that Wells Fargo is the owner, I would like to look into the Settlement that I might be eligible for.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

I was rear end last XX/XX/2021. There was a police report and its not my fault. 
I hired the XXXX XXXX to help me because the XXXX insurance at the beginning is ignoring my phone calls. I reported the accident to the GMfinanciaL WHO FINANCE THE XXXX XXXX XXXX also to the XXXX. At first the car is at my driveway waiting for the XXXX to evaluate it. They said they have to tow it to the repair shop. I have no choice except for them to take it and be evaluated. They said it is a totaled car, the representative of the XXXX XXXX I thought is helping me for me to be protected. 
They are the one supposed to be talking to the insurance ( XXXX ) company. It took 9 months before I learned that the GMfinancial reported me that my car was reprocessed. I told the GMfinancial that the XXXX XXXX paid them {$5000.00} at first and they still took the car and told me they are going to sell it parts by parts. I told them that car got XXXX insurance and they should pay the difference. XXXX XXXX is the contact representative of the XXXX XXXX and this is the very issue why I hired them for contingency arrangement. I contacted the GMfinancial addressing why put me in reprocessed status when the insurance company should be the one taking care of it plus the law office. Im the victim and still a victim. It disturbed my routine and I can not even qualify for a loan nor refinance because of this reprocession report that the GMfinancial did.
Consumer complaint received 2019-01-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (MD)

I contacted XXXX XXXX to commence services with them and was told that my monthly bill for two years would be around {$55.00} per month. At the end of the first year, I received word that it would be doubling. When I called to inquire about it, one of the " customer service representatives '' told me not to worry about it, but she would lock in the first year 's amount for the second year. This did not happen. I tried multiple times to work with XXXX XXXX, but to no good end. So, I cancelled my service and I was told that I had to pay them several hundred dollars for the remainder of the contract. I told them I would continue to pay my monthly bill until it was paid in full and throughout the remainder of the contract. They told me they would turn my bill over to a debt collector. Today, I received the attached document in the mail from Credence. I tried to tell the gentleman that I would continue to pay on the bill until it was paid in full. He said, " We don't have that much time. '' I am able to pay them {$44.00} for the next four months.
Consumer complaint received 2022-05-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

I'm the current owner, and there is a lien on my property from two owners ago, on a now-defunct XXXX XXXX Bank and borrower XXXX XXXX XXXX XXXX Copy of title search showing there's still lien on property, was faxed to Real Estate Lien Release dept of XXXX, and Request No. XXXX, says 3-10 business days. Requesting for paid off, release of lien to the county, and they still haven't submitted the release with XXXX XXXX XXXX recorder 's office, Indiana. Please can you make sure this gets addressed immediately.
Consumer complaint received 2022-11-19
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. (VA)

Every 30 days I have disputing the same inaccurate information from the credit bureaus and they aren't doing anything to remove these inaccuracies. The are reporting the following fraudulent information and it has hurt and damaged my credit scores : Transunion - Dispute Letter Sent XX/XX/2022 Address Is Not mines - XXXX XXXX  XXXX  XXXX, XXXX, NJ XXXX XXXX  XXXX Charge Off {$3800.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX - Dispute Letter Sent XX/XX/2022 XXXX XXXX XXXX  - {$420.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX  - Dispute Letter Sent XX/XX/2022 XXXX  XXXX Charge Off {$3800.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX  XXXX XXXX  Charge Off - This was included in a bankruptcy and was paid in full
Consumer complaint received 2022-06-22
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. (FL)

ACCOUNT ISN'T MINE, I AM NOT RESPONSIBLE OF THIS ACCOUNT. I AM A VICTIM OF ID THEFT. PEOPLE HAVE USED MY INFORMATION TO OPEN IT. 
XXXX XXXX -Opened XXXX {$73.00}
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

In accordance with the XXXX XXXX XXXX that said was opened on or around XX/XX/2016 has violated my rights. 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 an account without my written instructions.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the XXXX XXXX XXXX that said was opened on or around XX/XX/2016 has violated my rights. 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 an account without my written instructions.
Consumer complaint received 2022-06-22
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. (GA)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX, XXXX, XXXX,, has violated my rights. 

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 2022-06-22
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. (PA)

I, XXXX XXXX, am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error
Consumer complaint received 2022-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NC)

In XX/XX/2020 I financed a XXXX car through Bridgecrest. Once the financing was approved and completed and the car was delivered and I was able to set up and log in to the site to schedule my first Bridgecrest payment. It was only then that I discovered that there was no information about my loan on the site other than the amount of money I paid and the date it was withdrawn from my account. There was no a ) current balance b ) interest rate c ) applied principal v. interest d ) fees, tax, other misc. charge info XXXX ) proof of GAP coverage financed, etc. 
Again, the only information available was the amount of payment and the dates I've paid them. I have never seen anything like this from a loan company before so I reached out to find out where I could retrieve this information each month when I make my payment. Unfortunately, so far, I have never been given any alternative options to learn what happens to the payments I am making, how they are applied, or what they are applied to. Instead I am confronted with more questions. 
Isn't transparency and full disclosure required by financial institutions in the U.S.? 
My hope is to compel Bridgecrest to provide all customers with consistent, complete, and reliable information on the status of each loan to every customer. If this is not already a legal requirement by all financial institutions it certainly should be.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I received a letter from American Express in XXXXXXXX XXXX XXXX that there was an account/activity using my information at their company, but no further details and the letter said to contact them. A few weeks later I received a bill for around {$9000.00}. I called AmEx and told them that someone had tried to open several credit cards in my name and had written bad checks from one of my account, starting the beginning of 2022. AmEx said they would cancel the account and dispute the charges. I received another letter in XXXX from AmEx, stating that the account was found to have been opened by me and my request to close it was denied. I called AmEx again in XXXX disputing the account once again and a few weeks later received another simple form letter stating the account had been judged to have been opened by me and my request to close it was again denied, no further information provided.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I discovered that my credit score dropped as of XX/XX/XXXX because of an inquiry on my credit report. I did not authorize such a request, nor have I made any recent major purchases, etc. that would have triggered it. 

XXXX sent me an email today, XX/XX/XXXX with the following information : ===== Moments ago, someone requested access to your XXXX credit report. Access was denied because your report is locked. The requester has been identified as : CAPITAL ONE XXXX CAPITAL ONE XXXX, VA XXXX ====== I intend to contact Capital One for more information, but wanted to ensure CFPB was aware of this instance. Thank you for your help.
Consumer complaint received 2022-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXX, has violated my rights. 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 2022-10-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN ADJUSTMENT BUREAU,INC. (MA)

I went to the XXXX  when I was employed and had insurance on XX/XX/2016. This is still on my credit report. Please help me resolve this error in my credit report. 

Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX XXXX American Adjustment, XXXX $
Consumer complaint received 2022-05-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Figure Technologies, Inc (CA)

RE : Loan Application App XXXX. 

They failed to follow guidelines for consumer lending and advertising by stringing out my loan application and using arbitrary reasons to terminate my loan offer because rates had gone up. There was no attempt by the lender to close the loan as quickly as advertised. They intentionally delayed my application because the Federal Government was expected to raise interest rates and they did not want to honor the rate they had offered to me. They advertise closing on loans within days and this was reiterated by representatives throughout my application process. In reality, they would regularly request new documents drafted attorneys, and that required notarization, all at my expense. Each time I took time off work to have the documents drafted, notarized, and returned to them in a timely manner. They would not review documents in a timely manner. For example, I may not hear anything for several days until they request a revision that should have been previously specified. And again, I took time off work to have the document drafted and notarized at my expense. On or about the afternoon of the XX/XX/2022, the United States Government raised interest rates. On or about the evening of XX/XX/2022, the lender made a brand new request for documents. Less than XXXX business hours later, they cancelled my loan application because it was not approved within 14 days. It was not approved within 14 days because of their broken and unprofessional approval process. I am a 100 % XXXX Veteran and the lenders actions have aggravated my health. The lenders actions have also caused me to : XXXX. ) lose the loan rate that I had locked which will cost me thousands of dollars ; XXXX ) cost time/stress trying to accommodate their overly burdensome requests ; XXXX ) damaged my credit ; XXXX ) it will cost time/stress of seeking other funding at a higher rates. I plan to file a formal complaint with the State of California Attorney General and other regulatory authorities.
Consumer complaint received 2019-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I received a notice of a law suit by a company called XXXX XXXX XXXX with the case name LVNV Funding .... 

I never had an account with LVNV, I don't owe this debt. The lawsuit says I owed a company called XXXX, I never had an account with XXXX either. 

Maybe this is for someone else, and they got me mixed up. 

I don't owe this debt. I want this lawsuit dropped and my name cleared.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

Experian and XXXX has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. At this point they are in violation of three FCRA laws. Last letter sent was by certified mail on XX/XX/2022. Please see attached for letter, invoices and proof of delivery confirmation. This inaccurate information has caused irreputable damages and each violation is a recoverable fine of {$1000.00} dollars.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-10-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Sunday, XX/XX/18, there was a {$50.00} dollar merchant charge for hotel incidentals placed on my account. 
On Tuesday, XX/XX/2018, I called Bank of America to inquire about the merchant hold ( {$50.00} ) that was still on my account. I was told by the representative that the hold would fall off my account by midnight. On this same day, I had a check post to my account. 
On Wednesday, XX/XX/2018, I was charged a {$35.00} dollar fee because the merchant hold was still on my account. I called BofA and was told that the merchant told the bank to extend the hold. 

The initial charge {$50.00} charge was for incidentals at a hotel for 1-night stay. 

The hold was release on XX/XX/2018. Bank of America stated that due to not having enough money in my account, the fee was valid. 

When I called Bank of America on Tuesday XX/XX/18, I was told that the transaction would " wash '' and funds would be available. That was not the case and I was misinformed by the bank 's associate which resulted in the overdraft fee.
Consumer complaint received 2022-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

This is an ongoing issue with Citizen bank. I was added as a signer to my mother 's checking account ( my mother was a long standing customer with Citizens bank and she knew all the bank tellers ), because I was coming to citizens bank to take care of my mother 's monthly bills. 

The bank teller said it would be best for the bank manager to add me to my mother 's checking account, because I was visiting monthly without being a signer on her account. 

12 months after I was added to my mother 's account, my mother passed away. She was receiving a monthly pension and social security checks, however, after my mom passed away her money was taken out by the treasury dept., this caused an issue because money had already been taken out to pay my mother 's monthly obligations. 

I had no idea this issue had arise. Once my mother became deceased, my family and I were trying to deal with the sudden loss of our mom. Her insurance wasn't yet finalized and I was in a long drawn out battle to become the executor of my mom 's estate, then Covid hit and the courts were shut down, as well as most of the economy. 

Two collection companies are sending my deceased mother collection letters, which they said Citizens bank authorized them to do so. The issue is Citizens bank already knew my mother was deceased. 

Also, Citizens bank has added my name to XXXX 's, which is another reason I want to resolve this ongoing issue. 

I called XXXX collection dept. and explained the situation and I was instructed to go to a XXXX branch and show my mother 's death certificate, I went to the actual location where my mom opened her account. 

I was greeted by XXXX XXXX XXXX, the branch manager, although she couldn't assist me because she didn't have access to any information, to know where to start. 


She was a loyal customer and the situation was not intentional by any means. Mom had a great relationship with Citizens bank. Also, there's many discrepancies of what was actually owed, there're four different amounts that's stated in the documents ( see exhibits ). 
Exhibit 1 states amount owned {$1000.00} ; exhibit 2a states {$1100.00} ; exhibit 3 states {$1000.00} ; exhibit 8a thru 8e states the principle balance is {$890.00} So, XXXX 's is not reporting correctly anyway, because there are too many discrepancies, such as the charge off amount, there four different amounts listed in the exhibits. In addition, the XXXX 's report states I conducted account abuse, how could it have been account abuse, if I wasn't aware of the situation. 

After my mother became deceased I no longer had access to her apartment or to retrieve her mail in a timely manner. I requested the post office to change her address to my current address, however by the time I receive my mother 's mail, Citizens bank had already charged off her account. I had no idea about the treasury taking money out until months later.