davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-07
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Supreme Lending (TX)

My family and I wanted to buy a new home. We got Preapproved from XXXX XXXX with Supreme Lending Services. I was very clear from the get go, that we would not sell our home that we have been living in for the past 11+years, if we could not buy another home. It was promised to us that we had everything that we needed to close on home, no problem. So we started to look for a home. We found XXXX and when it came to closing the underwriter from Supreme Lending stated that all we needed to close was XXXX bank statements, and to pay off a couple of assets. This was presented again, but to us ( XXXX and XXXX XXXX ), my realtor, the sellers ( husband and wife ), and sellers realtor on a conference call with XXXX XXXX ( Loan Officer ) that we were already approved ALL we needed was XXXX bank statement from new bank acct, and to pay off a couple of assets. When the XXXX bank statement that we were waiting for came in we were ALL under the impression that we were going to close, but at last minute we were DENIED DUE TO PAYMENT SHOCK!!!! This was a SHOCK to us all of us, because this was never mentioned. Now me and my XXXX kids ( XXXX XXXX. XXXX XXXX ) this issue has put us in a position that we maybe losing our fostering license. It takes time and money to have another home study to keep compliance for holding fostering license. Not to mention XXXX dogs that just any rental will allow to keep. 
We did everything in our power to do as the loan officer XXXX XXXX with Supreme Lending instructed us to do, and we did it at a timely manner. She did not know what she was doing, and she lied to not just to me and my husband but to both realtors and sellers involved. Every time we ( XXXX ) spoke to XXXX she needed something different from us, because something new came up, so we were told. I then started to talk to XXXX another employee at Supreme Lending because I became worried. She also said that we were close to closing, she does not see any reason why we would n't be able to, she also spoke with the sellers as well. I have many of text messages and conversations that this was uncalled for, and the outcome was ridiculous. 
We, the sellers and I had been told numerous times that we will be closing next week, but next week never came. This has not only left my family and I homeless, but also have put the sellers into a lot of grief, they also will not be able to close on the home they had built for them. This has been a stressful and devastating situation for both families involved.
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I discovered that I was the victim of identity theft on XX/XX/2015, most likely due to the XXXX breach. I immediately placed a fraud alert on my credit reports and called the creditors. I also requested copies of my credit reports from the XXXX CRAs. I filed a police report on XX/XX/2015, as well as an FTC Complaint. 

I mailed a letter on XX/XX/2015 to Equifax, detailing the information on my credit report that was due to identity theft. This included: XXXX revolving accounts/credit cards that were not mine, XXXX inquiries that were not mine and that I did not authorize, and an address that was not mine. I based this letter off of the FTC guidelines and included the following as enclosures: the police report, the FTC Identity Theft Affidavit, proof of identity, my credit report identifying the information to be corrected/blocked, and a copy of FATCA 15 U.S.C. 1681c-2. I requested that the fraudulent/incorrect information be blocked with XXXX business days, in accordance with FACTA. 

I mailed the letter to Equifax certified mail, return receipt requested, on XX/XX/2015 It was signed for on XX/XX/2015, according to the return receipt. On XX/XX/2015, I received an automated email from Equifax, stating that my reinvestigation was started and that it could take up to XXXX days to complete. I checked my credit report on XX/XX/2015, and found that all of the fraudulent/incorrect information was still being reported. I called Equifax that day and was transferred many times before being connected to the fraud department. I explained that this was not a regular FCRA dispute, but a FACTA dispute resulting from identity theft. I cited FACTA 15 U.S.C. 1681c-2 and stated that the information should have already been blocked, as it was governed by a XXXX day timeline, not a XXXX day timeline. I was told that they were waiting on a response from the creditors. I explained that this was their responsibility, not the creditors, and that it had to be blocked while they investigated. However, the Equifax representative repeatedly said there was nothing they could do at this time and offered me the address to their legal dept. 

As of this date, XX/XX/2015, the items continue to be reported on my Equifax credit report, 16 days and 12 business days after receiving notification. I am in need of a new car, but I cannot apply for an auto loan with these fraudulent accounts and inquiries on my credit report.
Consumer complaint received 2015-07-07
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation (TX)

The XXXX XXXX XXXX XXXX agency is calling me numerous times a day at both my personal mobile number and my workplace. They are calling regarding account # : XXXX, regarding a claimed student loan debt. I received phone calls after I explicitly stated my workplace prohibits me from receiving such communications. I am receiving daily calls, and as of the last XXXX days, I am receiving XXXX calls a day, some with messages left. I called them back today at their number XXXX and explained I am now within my rights to file a complaint with the Texas Attorney 's General 's office, file a complaint with the Federal Trade Commission pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ), and that I intend to send a Notice to Cease Communications Letter today to their address : XXXX XXXX XXXX XXXX. XXXX, CA XXXX.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I went to XXXX like I have in the past to order a free credit report from XXXX of the XXXX bureaus. My plan was to do XXXX every 4 months like I had in the past. I went through bankruptcy in 2011 and have been rebuilding my credit since then -- this is the XXXX time I have tried to order my credit reports since that time. I wanted to establish a payment history with a small credit card my credit union issued me. I went through the ordering process for each bureau, and for each XXXX, I was notified that I would not be permitted to order online. I would need to order by phone or mail. I had been using XXXX browser and decided to try XXXX and the same thing happened. I 'd many times in the past ordered my free annual credit reports online. Even when I ordered for the XXXX time online I was never declined and asked to do request by mail or phone. The only thing that has changed is that I went through bankruptcy. To me there is no reason that I should have to order by mail or phone when I was very careful to verify exactly who I was correctly online for all XXXX bureaus. I realize I 'll probably have to call XXXX of the bureaus just to get on with this, but this bothers me very much -- I feel singled out based on my bankruptcy filing. Of course I have no proof of this, but I still felt I should report it to you. People trying to come back from bankruptcy should n't be made to jump through this extra hoop. I 'd appreciate being able to monitor my credit report just like everyone else -- by ordering online -- a method that is far more preferable to me. Thanks for listening. Best, XXXX
Consumer complaint received 2016-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: High Point Asset Inc (MO)

This message for XXXX XXXX and further steps will be taken if you do not respond to this call today. 
Call XXXX. 
calls at work and leaves messages daily and also my cell phone. 
Total debt collection scam. The term " person of interest '' is used in criminal investigations. This is just an attempt to scare you into paying them some money. Just because someone on the phone calling you says you owe a debt does not mean you actually owe it. 
If a voice on the telephone claims you owe a debt : XXXX ( Threatening criminal process in order to collect a civil debt is a clear violation of the Federal Fair Debt Collection Practices Act. ) Last known address : HIGH POINT ASSET INC XXXX XXXX XXXX XXXX, NEW YORK, XXXX
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NY)

I filed for bankruptcy in XXXX of 2014. My case was discharged by the courts in XXXX of 2014. My mortgage company Caliber Home Loans refuses to lift the hold on my account stating that they never received an " abandonment of property '' document. This is issued before the case is discharged by the trustee but once the case is discharged that paper means nothing.They will not send me statements or allow me any internet access to my account. I have never missed a payment. They charge me XXXX dollars to make a payment on the phone so I have been paying via bill pay at my bank. I dont know if my escrow is being paid or my insurance. The amount of my payments changed and I was never notified. There is mony in an account of unapplied funds that they wont apply it to my account. I feel like they are trying to make me default on my loan which they bought from my original mortgage company. Help please!!
Consumer complaint received 2015-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (FL)

I have written to Statebridge Compnay at least four times pointing out that they are inaccurately reporting late payment and past due information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letter were dated XXXX XXXX, 2015 which is attached together with a copy of the credit report excerpt showing that they are reporting XXXX pays due on the payment status line and in the 24 month pay history ( XXXX days past due on XXXX. ) Additionally, you can see that they are also reporting different past amounts. This can not be 100 % accurate as required by FCRA.. I do n't understand how they can avoid compliance with the law. I need your help.
Consumer complaint received 2016-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Solutions Specialist, Inc. (TN)

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
Consumer complaint received 2024-11-13
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. (NY)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2015-09-22
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CO)

I have had a terrible and frustrating experience with Citibank dealing with what started as a billing dispute, but was later revealed to be fraud. They are now telling me that they will not help further, even though they acknowledge the fraud, because of how the dispute was originally opened by their team they will not protect me. In other words, their zero liability protection claims are false in this case. 

There was absolutely no way to know this was fraud perpetrated by scamming " business '' until after the dispute was opened. Therefore there was no indication at all that I needed to speak to their fraud team first. This is not noted anywhere in my customer agreement or in any of the documentation was received. 

Once the merchant provided their " proof '' of the purchase was the fraud discovered. They fabricated receipts and also forged my signature. At this point I contacted Citi again and followed all of their instructions. I even spoke with a security specialist who assured me that the fraudulent charge was being removed and I was not liable at all for it. He also closed down my account and issued a new card. 

Today they are telling me that they misinformed me and they will not offer liability protection. They made an offer of a {$250.00} credit which still leaves me out of pocket about {$500.00} for this fraud. They also made a completely unhelpful suggestion or working with the merchant directly, contacting local police, or even the better business bureau. And these suggestions were made while they clearly knew this fraud occurred while I was travelling out of the country. Not one of those suggestions was remotely helpful. 

I am beyond belief and in desperate need of help trying to not let Citi to allow the bad guys to win and to honor both what they told me and what is posted on their site about liability protection. 

Please assist!
Consumer complaint received 2015-09-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

On my report from XXXX there is a listing from U.S. Bank my bankruptcy filed on XXXX/XXXX/2012 included this account. Fair Credit Reporting Act makes clear that a debt discharged in bankruptcy must be listed as having a 0 balance. FTC OSC section 607, item 6 states : " A consumer report may include an account that was discharged in bankruptcy, as long as it reports a zero balance due to reflect the fact that the consumer is no longer liable for the discharged debt and there should be no additional reporting after the bankruptcy filing date.
Consumer complaint received 2015-09-22
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ditech Financial LLC (CO)

after more than 7 years from the date of our delinquency on our XXXX mortgage and having no contact from any one attempting to collect the debt after we lost our home in a foreclosure in XXXX we suddenly have a company trying to collect the debt and they are the first company to report this debt on our credit report. We filed for bankruptcy in after our home was foreclosed on and the original creditor did not, to my knowledge, file a proof of claim- they just charged off the account since they could not collect on the sale proceeds at foreclosure They also are reporting that payments were made on the account in XXXX but our last payment before trying to negotiate a modification was in XXXX of XXXX and the home was sold at a foreclosure sale in XXXX. They may have bought the debt from some one in an attempt to collect but the statute of limitations has expired for legal action as well as the 7 year statute for reporting it on our credit report- some one has re-aged the debt by stating that there were payments made in XXXX but XXXX records show that the property was sold long before XXXX. Since our date of delinquency was in XXXX of XXXX should n't we have the right to have it removed from our credit reports .No reporting of this debt was ever on our credit report until XXXX
Consumer complaint received 2015-09-22
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENOVA INTERNATIONAL, INC. (TN)

These people are charging 275.85 % on a {$800.00} pre-approved loan. The first months payment would be {$200.00}. That is just over XXXX of the total amount borrowed. {$160.00} is interest and only {$40.00} is principle. I did not apply for the loan and do not intend to but I 'm sure many gullible poor people will. If it 's not illegal it should be.
Consumer complaint received 2015-09-22
Product: Payday loan — 
Issue: Can't contact lender — 
Company: World Acceptance Corporation (NM)

XXXX from World Finance ( XXXX - XXXX ) shared my private information and conversation that I had with her with XXXX at XXXX XXXX ( XXXX ). I have payday loan accounts at both places. 
I had told XXXX that the next month or two were going to be rough but that things would smooth out eventually ; and that I would be late on my payments. I told XXXX that my Nephew gave me a XXXX dollars to pay on my loan but that he could not afford to pay the late fee. 
XXXX then sent over a person to my home to harass me for the {$15.00} dollar late payment. And they called me often. 
During the next day or so XXXX from XXXX XXXX here in XXXX NM called me ( though I was not late on that payment ) mentioned World Finance and harassed me & gt ; telling me that they did not set up a loan with my Nephew but with myself. XXXX from XXXX XXXX could not have known any what she mentioned to me with out having had a conversation with XXXX at World finance. 
It is true that I am having a difficult time right now making my payments. I am an older widow ( XXXX years old ) and XXXX on a fixed income. 
There is also no way to negotiate with these payday lone companies. I have offered to make smaller payments to catch up ; which they have refused. And that is obvious considering the fact that XXXX from World Finance sent a person to my home to collect the {$15.00} late fee.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXXTransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX # XXXX 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2015-09-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Optimum Outcomes, Inc. (NC)

i have attempted to take care of this matter with this company who has listed a fax number that is operating with the number XXXX it is listed with the XXXX and i have a confirmation of the fax that has been sent to them outlining my social / drivers license / police report / id theft affidavit in previous complaints this information has been attached but this company has ignored the documents via previous submissions to consumer financial protection bureau and their OWN fax number ... ... .... at this point i am very concerned with their denial of the documents that have been sent and will possibly be seeking an investigation into this matter.
Consumer complaint received 2015-09-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IN)

Mortgage with Wells Fargo Bank in XXXX for my home. Had to file ch XXXX bankruptcy on XXXX XXXX following a nasty divorce in XXXX. I completed the intent to re-affirm on my mortgage with my attorney and sent to the judge as well as to WF. Judge signed off on everything XXXX XXXX ; told everything was fine. XXXX XXXX loan officer from WF contacted me to refinance my mortgage ; completed paperwork and was stopped at underwriters dept stating that re-affirmation paperwork had not been completed/accepted and loan was discharged. After multiple conversations with the bankruptcy dept at WF and my attorney - no resolution was made. Filed a claim w/Attorney General 's office in XXXX against WF. Filed motion to re-open bankruptcy case requesting WF to lift the stay and report payments. Motion to re-open bankruptcy case was granted and on XXXX XXXX, XXXX appeared in front of the judge. Judge granted motion asking WF to lift stay and report all payments ( WF has not reported payments since XXXX XXXX XXXX as I have not missed any payments ( I have records of each pymt ). I can not refinance my mortgage ( to get it out of WF hands ) as my credit score is too low and with a mortgage accounting for more than 78 % of credit score ... I need WF to report my payments. WF has managed my escrow account this entire time - paying my homeowners/property taxes. I am being denied on loan request for my kids ' college parent plus loans, denied for auto loans ( unless I want to pay a ridiculous interest rate XXXX. My attorney believes that I have a lawsuit against WF, however I do not have the funds for this. I am just looking for some help to get this resolved - I have been fighting with this stupid bank ( HORRIBLE CUSTOMER SERVICE ) since XXXX. Any help with this matter would be greatly appreciated. I will attach all documentation ... please advise if you need additional documentation to proceed. Thanks Much!
Consumer complaint received 2015-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ARS National Services, Inc. (IL)

BOTH AFFILIATES COLLECTION COMPANIES FAILED TO VALIDATE SAID DEBT, AND APPEARED ON MY CREDIT REPORTS W/O CAUSE, ALSO, FDCPA, TCPA VIOLATORS.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

Old debt listed as new debt ; " XXXX '' listed twice on Experian credit report XX/XX/XXXX and XX/XX/XXXX ; Per letter dated XXXX XXXX investigated my inquiry and determined no changes were needed. I also asked the company for the status of the account and a response was not given. I 've sent XXXX letters requesting an update to the credit report regarding the XXXX Charge Off 's listed on my credit report.