davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: WSFS FINANCIAL CORPORATION (CA)

We original filed for Chapter XXXX Bankruptcy on XX/XX/XXXX and part of the plan included Avoidance of the Junior Trust Deed. We successfully completed the Plan and on XX/XX/XXXX per the United States Bankruptcy Court XXXX  District of California we received our Discharge. 

Our Junior Mortgage had been sold to various companies ( they are all listed on the Notice Recipients attached to our Discharge ( XXXX, XXXX XXXX, and XXXX XXXX XXXX ) After we received our discharge we attempted to refinance but were notified that there was still a lien on our property. On XX/XX/XXXX I contacted XXXX XXXX  asking them about the Lien Release and sent them a hard copy of the information. 

In order to get refinanced I ended up having to go to the XXXX XXXX County Recorders Office and record our Discharge of Debtor After Completion of Chapter XXXX Plan as well as the Order on Debtors Motion to Value Collateral and Avoidance of Junior Trust Deed so that the lender could see that the Lien was released. 

I though the situation was resolved until we wanted to refinance our loan. We were notified that the lien was still attached. I went to the recorders office and found that the lien was not released. What I did find was that the lien which was released on XX/XX/XXXX had been sold to other companies. Most recently ( XX/XX/XXXX ) to Wilmington Savings Fund Society , FSB not in its individual capacity but soley as Trustee of XXXX XXXX XXXX a fact that I was never notified about. 

At the point my refinance is stalled. So on XX/XX/XXXX I wrote them along with the Title Companies listed on the Substitution of Trustee and Full Reconveyance, Aknowledgment, and Assignment of Deed of Trust. 
The list of companies notified are : XXXX XXXX, XXXX XXXX XXXX XXXX, and Title XXXX Per USPS tracking : XXXX XXXXXXXX XXXX XXXX received their letter on XX/XX/XXXX @ XXXX XXXX   Title XXXX received their letter on XX/XX/XXXX @ XXXX XXXX   XXXX XXXX  received their letter on XX/XX/XXXX @ XXXX XXXX   and it was signed by XXXX XXXX ) I did not receive a response from any of them. In the letter I sent to them I gave them 30 days to release the lien letting them now that on XX/XX/XXXX I would be going to the XXXX XXXX County Recorders to see if the lien was released. On XX/XX/XXXX I did go to the Recorders office but the lien still had not been released. 

Attached to the letter that I sent all of the companies I not only included copies of the Substitution of Trustee and Full Reconveyance, Aknowledgment, and Assignment of Deed of Trust but our Chapter XXXX Discharge and the Motion to Value Collateral and Avoidance of Junior Trust Deed. 

Once again I have not received a response from any of the companies involved. At this point my primary concern is XXXX XXXX since they currently hold the lien
Consumer complaint received 2020-02-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

I have a buyer with loan commitment supposed to close the end of this week. Closing Attorney has contactec SPF Deed is signed, we have the buyer 's insurance binder, final water, Smoke certificate everything the buyer just has to have the money he took from his current two family with a HELIC loan sit in his checking account for 48 hours for the final closing statement to be approved. XXXX XXXX contacted Select Portfolio and XXXX, XXXX XXXX who is holding the auction to try and get it postponed they refused told the closing Attorney to let them know if we record before the Auction sale tomorrow.
Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Your company did not properly credit the payment that I made on or about XX/XX/XXXX for {$9900.00}. This payment should have been credited to all the missed payments from when I was on forbearance plan during the period of XXXX XXXX. To this date, I am still not sure how this amount was credited in the account. Currently it shows also that my payments starting XX/XX/XXXX through XX/XX/XXXX have also been deferred and I have not requested this deferral. 
I have called customer service at loancare multiple times and spoken to so many people and this issue has yet to be resolved. I have been in contact with loancare since XX/XX/XXXX to resolve these errors and nothing has been done. 
The last call that I attempted to make was on Friday XX/XX/XXXX and I spoke with team lead XXXX ( Agent ID XXXX ) who advised me she will be working on the issue and try to resolve it for me. To this date, I have not heard anything back from her. 
I have spoken to XXXX XXXX team lead at LoanCare, XXXX, XXXX ( agent ID XXXX ), and specifically my large payment that was supposed to be applied to my forbearance period was made with ( XXXX agent ID XXXX ) on XX/XX/XXXX. 
All these names of agents that I have spoken to all failed to keep up their word and to help me out with the issues in my account. This is taking so much time and effort out of my day at work. Some of the names of the agents I did not even write down because I did not think anything was going to happen anyway. 
LoanCare failed to provide an accurate mortgage payoff balance that I requested on XX/XX/XXXX. I received my payoff statement reflecting a second principal mortgage on the account in the exact balance that I paid which was {$9900.00}. To this date, I am not sure why LoanCare added a second mortgage on my account without my consent and even after me paying my FULL balance due for my forbearance period.
Consumer complaint received 2020-02-03
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. (VA)

On XX/XX/XXXX I called equifax to find out my score from them. They requested I send in documents to verify my identity. I did so and received a notice today that they have no records or any type of credit information from me when I have a large amount of credit usage. The other two companies have records for me. Every time I try and contact them to resolve the issue they will not talk to me until I verify my identity which I have already done, and in the beginning part of the verification process to even speak with an agent a strange cell phone number is listed that is not mine.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Home Loan Center, Inc. (TX)

Lending Tree The profile has my entire info but it shows many small errors that Make it seems like it's me And its creating a big Problem that's affecting me.

There's Loans and Credit Cards Under my name I didn't Get, the address matches mine, even my last address but my date of birth is different for 1 year but in the SSN the last 4 matches my last 4 ITIN number.

A credit line I had just closed my account without giving me any explanations.
Consumer complaint received 2020-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

PHH LN XXXX XXXX XXXX XXXX , XXXX CA XXXX XXXX XXXX XXXX XXXX PHH has an open loss mitigation review for this short sale, yet there is an active foreclosure date. We have explained to them that this is a violation of Federal and State Laws regarding dual-tracking. They are refusing to  postpone the auction date. 

-- -- -- THIS IS ILLEGAL AT THE FEDERAL AND STATE LEVEL AND I WANT ACTION TAKEN AGAINST PHH -- -- -- - I want the foreclosure date put on hold as per Federal and State Law. 

CC : Attorney General
Consumer complaint received 2020-02-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

I have an account with American Honda Finance account # XXXX opened in XX/XX/2019, I never received my statement for the first month payment. I never got any phone calls to let me know that I missed a payment as well. When they finally called to let me know I made the immediate payment and have made all my payments on time since.
Consumer complaint received 2020-01-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (FL)

On XX/XX/2019 I tried to login to my account but was unable. I was locked out of my account. someone else had gained access to my account and changed the login info. 
After contacting PayPal multiple times I was finally able to access my account and I realized that my PayPal balance was gone. {$480.00} had been fraudulently withdrawn on XX/XX/XXXX at a XXXX. 
I contacted PayPal and they were very unhelpful. they weren't even able to provide basic info like how it was even withdrawn as they are supposed to ask for photo ID. they also could not provide info about which XXXX location it was withdrawn as it can be at any location in the world. they assured me that the issue would be resolved. 
so I filed a dispute with PayPal. 
After review, this was their response : Case ID : XXXX Thank you for reporting this case. After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection. 
Case details Dispute reason - Unauthorized access Case Status - Closed Date reported - XX/XX/2019 Transactions not refunded I then called PayPal again to get some info about their decision and they just kept repeating that the " transaction was not unauthorized '' since it was " an in person transaction '' Basically someone at a XXXX somewhere ( but they can't tell me where ) had withdrawn the money in person so it's not considered fraudulent. 
I then called my local police to file a report but the officer was dumbfounded by the lack of info PayPal was able to provide and he said there's nothing the police can do since they don't even have the basic info of the location of the withdrawal.
Consumer complaint received 2020-02-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have 3 separate savings accounts that are custodial accounts from when my children were small. Two of them are XXXX XXXX   and one is XXXX  XXXX XXXX. They still have funds in them and now that my children are older I would like to give them their savings. These accounts were setup when they were young. I researched through the internet who now took over these banks and found that Bank of America had them. On XX/XX/19 I contacted Bank of America at XXXX. The customer service representative stated that they had no record of the accounts and I was to contact Unclaimed Property at unclaimed.org which I did. It lead me to the Connecticut Unclaimed Property site. The information for these accounts and our last name resulted in no match. I contacted Unclaimed Property by phone and they stated I needed to send a copy along with a letter to Unclaimed Property Research so that they can see if they can locate the funds. I received a letter back that they had no unclaimed property under those names. I contacted the Banking Commission at XXXX and they were able to verify for me that the FDIC site did show that Bank of America either purchased or merged these two banks. I did call back Bank of America and tried to speak with someone else but they sent me back to Unclaimed Property again. I am writing today because there is approximately {$5000.00} in these accounts and I would like to gain access to turn my children 's savings over to them. I am attaching my information about the accounts as well as the letter from Unclaimed Property. I reached out to Bank of America. Supposedly they investigated it and stated that they do not have the money in the accounts. I gave them all social security numbers for them to verify. They did not notify us when they took over the banks in reference nor did they turn the funds over to unclaimed property. These accounts have funds in them and Bank of America has them. If they had turned them over to Unclaimed property I would be able to see the funds. I would like access to these accounts and funds. Is this how the banks make their money by holding onto old accounts and not releasing them? I have tried working amicably with Bank of America but this is a little ridiculous that they are allowed to close a case without turning the funds over to unclaimed property so the the correct property owners can claim it. 
thank you
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Student loans reporting all inaccurate information. The loans are up to date and rehabilitated. XXXX XXXX Trust, Department XXXX, XXXX, & XXXX XXXX. Please update my Student loan information to reflect the true accuracy. Since there are so many errors reporting on loan information I asking for all other adverse be updated. 
XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX are all paid as agreed and have never been delinquent on the dates listed on my credit reports.
Consumer complaint received 2020-01-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (RI)

XXXX with American Express has been repeatedly calling me to collect a debt that I previously told her I could not pay all at once. She is unwilling to set up a payment plan to pay off the debt and has started calling my family, my wife and my work to try and collect this debt. 

The number she has been calling me from is : ( XXXX ) XXXX
Consumer complaint received 2020-02-04
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. (TX)

Student loans reporting all inaccurate information. The loans are up to date and rehabilitated. XXXX XXXX Trust, Department XXXX, XXXX, & XXXX XXXX. Please update my Student loan information to reflect the true accuracy. Since there are so many errors reporting on loan information I asking for all other adverse be updated. 
XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX are all paid as agreed and have never been delinquent on the dates listed on my credit reports.
Consumer complaint received 2020-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

On XX/XX/2020I received no notice from my bank USAA that close my account with no warning and close my account in 60 days. They cut off all assess to my account where I could not get any my money out my account. Which was XXXX then went to XXXX in my account. I ask for supervisor ib regards to why my account was closing and they said was because suspicious activity with disputes. I said that was nothing suspicious. when in order
Consumer complaint received 2020-02-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Fraudulent transaction made via joint Bank of America checking account that I share with my XXXX year old mother. Basically, they hacked our on-line account and sent {$3000.00} total in fraudulent XXXX transfers to two individuals I do not know. I reported the incident immediately but after investigation, the bank refused to refund the unauthorized and fraudulent transfer of money after the account was hacked. The actual date of the illegal activity was XX/XX/2020. Two transactions were made of {$2500.00} and {$500.00} for a total of {$3000.00}. A third transaction was in progress when the account was shutdown. According to the bank online security, it did not complete. I immediately froze the account and went to the bank a few days later to open a new account. They informed me that the money would be refunded after the investigation was completed. Apparently, someone walked into a XXXX store in XXXX XXXX, NY ( I live in Florida ) and were able to change my security information without my knowledge or consent. They were able to hack my XXXX information, change the type of phone I own and MEID code of the phone and then proceeded to change my online information for BOFA and hack my on-line account to make the illegal transfers. Since BOFA uses your personal phone to send the security code when logging on, once the cell information was transferred to another phone not owned by me, it was easy to make the transfers.
Consumer complaint received 2020-02-03
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. (AR)

For years I wondered about my credit score never being consistent. I never in a million years would of thought that someone else was using my social security number and name to open up big accounts. I decided to get my credit pulled and there was SO MANY ACCOUNTS OPEN under my name that I have never in my life seen before. It is a real upsetting situation and it insane the amount of accounts that had been open or are open. Please remove these accounts from my credit report as soon as possible. 

XXXX XXXX/XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$6300.00} DEPT OF ED/XXXX   XXXX {$22000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$4000.00} XXXX/XXXX XXXX {$670.00} XXXX/XXXX XXXX {$290.00} XXXX/XXXX XXXX {$550.00} XXXXXXXX XXXX   XXXX {$900.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$870.00} XXXX XXXX   XXXX {$2600.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3500.00} DEP ED/XXXX  XXXX {$12000.00} XXXX XXXX  XXXX {$9100.00} DPT EDXXXX XXXX {$22000.00} XXXX/XXXX   XXXX {$670.00} XXXX   XXXX {$6400.00} XXXX   XXXX {$4000.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$2000.00} XXXX  XXXX {$4000.00} XXXX XXXX {$4000.00} XXXXL XXXX {$4000.00} XXXX XXXX {$870.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$2500.00} XXXX XXXX {$120.00} XXXX   XXXX {$2000.00} XXXX   XXXX {$2600.00} XXXX XXXX {$890.00} XXXX  XXXX {$870.00} XXXX   XXXX {$2600.00} XXXX XXXX {$2000.00} XXXX  XXXX {$3500.00} XXXX/XXXX   XXXX {$720000.00} XXXX  XXXX {$14000.00} XXXX  XXXX {$5800.00} XXXX  XXXX {$5300.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$2000.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$560.00}
Consumer complaint received 2020-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-01-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RFNA, LP (SC)

I sent a certified letter to loan company Republic finance XXXX SC and asked them to not contact myself or my father regarding his acct. last month I called to ensure they got it and manager XXXX states they did. My father has XXXX and XXXX   causes his XXXX XXXX go up and he gets sicker. I received another certified letter from them today about what is due on his account. They are harassing us and this has to stop.
Consumer complaint received 2020-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NC)

NAVY FEDERAL CREDIT UNION AND ITS NON EMPLOYEES WHO'S NAME WAS XXXX FROZE MY XXXX OVERDRAFT ATTACHED TO MY CHECKING ACCOUNT THATS IN GOOD STANDING WITHOUT GIVING ME PRIOR WRITTEN KNOWLEDGE THAT MY OVERDRAFT WOULD BE FROZEN AS THE LAW REQUIRES. 
XXXX ALSO OECN XX/XX/XXXX AT XXXX INTO THE NEXT MORNING SAID HE DIDN'T WORK IN COLLECTIONS WAS DEMANDING I PAY FOR ANOTHER ACCOUNT OR MY GOOD STANDING ACCOUNT WOULDN'T HAGE MY OVERDRAFT PROTECTION. THATS NOT WHAT MY INITIAL CHECKING TERMS AND AGREEMENT STATES ..NFCU also on my online still had my checking account XXXX and some cents after I made a deposit of XXXX Today at XXXX XXXX on XX/XX/XXXX on my online account nor the date or error was updated but XXXX still accepted my XXXX bringing my account current and positive. 
XXXX was rude and my fiance tried to explain but he said he'd have to have the entire XXXX paid also in the positive causing me another financial hardships. 
Also I wrote the President of NFCU she transferred my account to Collections when nor my loan or checking account they opened without hesitation because I've been a good member and customer since XXXX. 
This has caused me to have to borrow money from family and friends therefore causing embarrassing situation that wasn't necessary. 
Only if they hadn't froze my account if I have to I recorded the violations XXXX the supervisor stated in our conversation. I was never contacted in writing or told by telephone as the law requires to collect a debt.
Consumer complaint received 2020-01-21
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. (TX)

Dear Credit Bureaus, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-01-21
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: EQUIFAX, INC. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY ME.