davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (NY)

I received a loan modification 3 years ago and have made my payments on-time for the past 3 years. During that time my lender PHH has not given me credit for making those payments. As a result their " system '' shows that I have not paid my escrow for taxes. I have paid my escrow and I have informed them of such thru numerous email, letters and telephone calls over the past 5 months. Regardless of my efforts they continue to double the amount of escrow they collect. this is causing me a hardship and they are " stealing '' the extra escrow monies.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I reviewed my credit report and discovered inconsistencies and inaccurate late payment reports on my accounts with XXXX  XXXX, XXXX XXXX, and XXXX XXXX ( XXXX XXXX  ) across the three major credit bureaus : Experian, XXXX, and XXXX. These inaccuracies have negatively impacted my credit score and are in violation of the Fair Credit Reporting Act ( FCRA ). I have previously requested these corrections in other manners to no avail. 

The specific issues are as follows : Inconsistent Reporting of Late Payments : My XXXX  XXXX account shows 90, 60, and 30-day late payments on XXXX. This discrepancy is a violation of FCRA 623, which requires accurate and uniform reporting across all credit bureaus. Thus should be removed Failure to Update Charge-off Status : My XXXX XXXX  and XXXX XXXX ( XXXX XXXX  ) accounts were charged off, but the status has not been updated correctly. If the accounts have been settled or paid, the credit bureaus are required to reflect that, but this has not occurred. This is in violation of FCRA 623, which mandates creditors to report up-to-date and accurate information. 

Inaccurate or Unverified Late Payments : The late payments reported on my XXXX XXXX  account are inaccurate, as I had previously disputed the charge-off and related late payments. The credit bureaus have not properly verified this information, violating FCRA 611, which gives consumers the right to dispute inaccurate information and mandates credit bureaus to verify or remove disputed information within 30 days. 

Failure to Resolve Dispute : My XXXX XXXX ( XXXX XXXX  ) account was marked as " dispute resolved, customer disagrees, '' but the credit report still reflects a charge-off with no proper resolution. This indicates that the dispute was not handled fairly, as required by FCRA 611. 

Multiple Hard Inquiries : My XXXX report shows multiple hard inquiries within a short period. These inquiries were unauthorized, this would be a violation of FCRA 604, which restricts the permissible reasons for hard inquiries.
Consumer complaint received 2015-06-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (WY)

On XXXX/XXXX/XXXX, I signed a Retail Installment Contract and Security Agreement with XXXX XXXX, XXXX, WY, that was assigned to Wells Fargo Auto Finance. My payments were to begin on XXXX XXXX, XXXX and continue for 60 months. When I received my XXXX/XXXX/XXXX statement I was surprised to see a late fee assessed. On XXXX XXXX, XXXX, I spoke with a Wells Fargo customer service representative named XXXX about this late charge. Although the payment was mailed on XXXX XXXX, XXXX, she indicated that it had not been received until XXXX XXXX, XXXX. I was skeptical because past experience indicated that it typically took 4 to 5 days for my payment to arrive. For the next 31 months, I sent every single payment via certified mail, intentionally varying the weekday each was mailed. Not once did it take 7 days for my payment to arrive in XXXX ; in fact, it continued to average 4 days. Although the payments due in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX were received at the address provided by Wells Fargo Auto Finance prior to the XXXX of the month, I was assessed a late charge. On XXXX XXXX, XXXX, I sent a letter to Wells Fargo disputing the late fees and attached copies of the certified mail receipts that showed each payment was received at the Wells Fargo mailing address before the XXXX of each month. Payments are considered received when they arrive at the address designated by Wells Fargo, not when someone eventually opens the envelope. Wells Fargo has charged unauthorized late fees and has failed to return the title of my vehicle to me.
Consumer complaint received 2015-10-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY (OH)

In the latter part of the first decade of 2000, I decided to put myself through college. It was a hard decision, as I was working full time and raising XXXX children. I eventually opted to go with XXXX University, and only had time to get a degree online. As I was barely making ends meet as it was, I took out loans to pay my way - in hindsight, this was the biggest mistake I have made in my XXXX years. While I currently have a decent job, unless I am making double what I am currently bringing in, I have no hope in paying these loans off. I am straddled with XXXX private loans ( XXXX through Wells Fargo and XXXX through XXXX XXXX ) and XXXX consolidated federal loan ( upwards of {$96000.00} ). My issue is not with the federal loans - these I will never pay off but the payments are based on my income so I am able to manage ; the problem is with the private loans. The payments for these loans are more than four times higher than the federal, and payback amount is nearly three times smaller. It does not help that I originally co-signed with my ex-wife on these loans, and Wells Fargo is unwilling to remove her as they would have to be refinanced in my name only - which I have tried in the past to do, only to not get approved. These loans make me wish I would have never gone back to college - they will burden me my entire life. It makes sustaining a living extremely hard, getting approved for credit a nightmare, and returning to school for a XXXX Degree something that I would never attempt out of fear of digging myself even deeper. Things obviously need to change! The cost of education is astronomical, and it effectively ruins the financial lives of so many young Americans.
Consumer complaint received 2015-10-23
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (RI)

I am a rushcard consumer and my balance says XXXX I had direct deposit to this card. My lights and gas were disconnected because the day I was supposed to pay it my money went missing. I have been sending them messages, calling, and tweeting them to no avail. I need my money. How am I supposed to live. I call and get hung up on. Or they tell me that they are doing the best that they can. I have a child to take care of. XXXX rep told me that my money is safe with them so do n't worry. If anyone could help it would be greatly appreciated.
Consumer complaint received 2015-10-14
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WI)

I inherited a home from my dad XXXX XXXX due that he passed away ; my dad still has a mortgage through Ocwen and because the acct was behind ; I was asking for a loan modification and to have the loan transferred in my name. In my opinion, Ocwen is the most unprofessional and display no empathy for a person at all. I submitted death certificate, transfer affidavit ( from atty XXXX XXXX XXXX, all my payroll stubs, tax information, etc. began to pay the mortgage and they continue to suspend my payments and stated that the information that I provided isnt good enough ; they are requesting a Will or letter of Administration. My dad didnt have a Will and my atty XXXX XXXX stated that what he provided is all they need but they insist that I go through probate and get a letter of Administration. I never seen a company that is so unorganized ; now granted my have authorization to speak with them regarding my dad 's account but they will not transfer the loan in my name and at this point I dont know where else to turn. I dont want to lose my dad house but I dont have {$7000.00} to pay out right to catch up on his loan ; but going forward I 'm so willing to take responsibilty but I need them to work with me. I 'm at my wits in because I have been dealing with this maddness for over 6 months. Is there anything you can do to help me resolve this issue. I would greatly appreciate it.
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I sent a letter to HSBC Bank inquiring about a account that they listed on my credit reports, which I do not recognize. The account number is listed as XXXX. I disputed their reporting reporting of this account under FACTA rules and regulations. I wanted a FACTA request for a complete accounting of account. I asked them for the date and amount of each and every charge, payment, or adjustment made on the referenced acct. I also told them that under FACTA, they must either provide me the requested info or delete this acct from all credit reports. To this date HSBC Bank has not provided me this information.
Consumer complaint received 2015-09-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

I received a letter in the mail from MCM/Midland Credit Management, INC 0N XX/XX/XXXX advising me that they are the new owners of a debt they say I owe in the amount of XXXXXXXX.I called and spoke to a associate and he asked me for the account number, I provided it, and then he asked me if I was calling to make a payment, I advised him I dispute this debt, and he told me I have to dispute it in writing.I sent out a LETTER ON XX/XX/XXXX, I was told that if I do n't pay this it will be reported to the credit bureaus.I told him not to call me.This account was purchased by Asset Acceptance and they also harassed and threatened me.This account was opened in XX/XX/XXXX with XXXX and paid, I had XXXX months no interest .I am not sure how many companies have attempted to collect this money I do not owe, but it has been several.
Consumer complaint received 2015-08-04
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (OR)

I contacted Shellpoint Mortgage Servicing to get a written statement of debt so I could pay it off. The debt was a result of a real estate short sale in XXXX. The HUD agreement was {$5000.00} to include an initial payment of {$2000.00} at closing from the bank and I would make XXXX payments of {$49.00}. 
Resurgent Mortgage sold their debt to Shellpoint Mortage Servicing in XXXX. At this time, it seems they failed to include important information regarding their agreement with me and the terms of the settlement. 
I contacted Shellpoint in XXXX of this year, XXXX. My intention was to pay off the debt. According to my calculations, I should only owe around {$1000.00}. 
I was told that I owed over {$17000.00}. I explained the situation, even sending them the original Settlement statement and 2 years of bank statements showing payment history. 
For the last 3 months I have been calling and attempting to get a settlement statement. I talk to someone different each time and they assure me that I will receive the amount in 5 days. The last call was made on XXXX XXXX, XXXX and the CS agent told me my balance was {$960.00}. 
Today is XXXX XXXX which is 9 business days from the last request. The " new '' person I talked to began with the same amount due of {$17000.00}. When he finally looked at the note from XXXX/XXXX/XXXX, he told me that nothing had been done around my request for a settlement statement. At that point, I asked to be transferred to a supervisor.
Consumer complaint received 2015-11-25
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

This is a follow up to Complaint # XXXX ( now CIT ) responded within days of your having contacted them. 

They have sent several letters, we have spoken several times on the telephone, the bank has acknowledged that they have no legal standing to continue to hold their lien against our home. 

Despite their promises to resolve the matter, today, three months after our initial contact with you and 20 months after we first requested that the bank release the lien, as of XXXX XXXX, 2015 the lien release has not been recorded. 

This morning I spoke to XXXX XXXX XXXX to express my dismay at the delay. I pointed out that if this were a sale, the transfer would be recorded in three - five days. He said he had no explanation nor was he able to contact anyone else in the bank who might have some insight into how to move the process along and reach a resolution. 

I appreciate the Consumer Financial Protection Bureau 's assistance and can say without equivocation that it was your involvement that moved the bank to begin a dialogue. 

I hope that you are equally able to help them solve this in a timely manner.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I requested a copy of my credit report from Equifax, after being denied credit to purchase a vehicle. Upon receiving the report and information from the dealership, I found status error 's on paid in full accounts. Specifically XXXX XXXX. I disputed the errors online with Equifax. I sent certified letters on XX/XX/XXXX which were recieved on XX/XX/XXXX to Equifax and XXXX XXXX, disputing the status of XXXX accounts. Equifax made an error saying that I was disputing ownership of the accounts. I have attached the XXXX and XXXX letters, which CLEARLY show I was disputing the late payments reported, more importantly the status of XXXX as a " charge off '' and the other as a " redeemed repossesion ''. I also requested the proceudre in which they used to verify the information with XXXX in which no procedure has EVER been completed, much less evidence of the person, process and factual information as required by the FCRA law. I have waited over 90 days, I have sent XXXX letters, each time with copies of the previous letter ( s ). Each time, Equifax LOWERS my credit score and is not responding the my requests. I can not get credit I deserve because of the erroneous and irresponsible behavior of Equifax and XXXX XXXX. I have attached ALL correspondence with copies of return mail receipts to this complaint.
Consumer complaint received 2015-08-04
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I am on my other checking account and my card had expired on XXXX/XXXX/15 which i should of receive a new card. I did not so my mother called on XXXX/XXXX/15 and spoke to a XXXX and then I spoke to XXXX. They stated that the orginal card was sent to my house and I never received it. Then stated I would be issue a card in 5 to 7 business. It is now XXXX/XXXX/15 and no card. So my mom called spoke to XXXX and then to me. She stated that the card were not issue do to error of address. So I ask to speak to a supervisor XXXX said her supervisor XXXX was not avaiable and XXXX XXXX would call me back XXXX hours and XXXX minutes latter XXXX calls and ask for me. I gave her verification information but she got made because she heard my mom in the back ground and got mad. So my mother got on the phone since she owns the account. When she asked to speak to her supervisor she or corperate XXXX stated she was in the corperate office and she had no supervisor. My mother stated she would place a complaint due to that this is her account and when the card was not issue someone should of called. But XXXX is going to argue and i am not happy. XXXX job is to be getting phone records first before placing a call and customer service should be top important to this company. I do n't have my card for unknown reason and I want my card without any hassels period. This is my mother acccount which she had for many years and place me on it when I was XXXX. This company has charge my mom for many thing and mess up her account when they switch over to who they are and she did not get reimbured to all her account due to their error. And it funny that my card didnt come because you get all junk mail sent to my home address.
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MI)

Mortgage company will not let me refiance my ARM loan thats underwater.A prior complaint was filed Report # XXXX. I contacted Consumer Finance today to follow up on the status of my case. the response my mortgage company ASC sent, was for me to contact them for Refi.I called ASC and spoke with XXXX the Mortgage consultant,. He stated that my house must appraise for at least {$78000.00}. My house is only worth $ XXXX.This is a no win situation. The bottom line is I already owe this company XXXX. I am trying to establish a way to pay off my obligation with them. In XXXX 2015, which is only 6 weeks away my rates will be increase again..What can I do here? What laws are there to protect me, the customer? I am asking for help, to be saved from being a predatory victim. I am faxing ConsumerFinance the responding letters I received from ASC, all three leters stated they are reviewing & research .I think a fair resolution would be, for the company to work with me with the XXXX I presently owe and put me into a fixed, current rate mortgate, So I can possibly pay off my home before retirement.
Consumer complaint received 2015-05-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Patenaude & Felix A Professional Corporation (CA)

The law offices keep contacting me for another person. I have told them repeatedly that I am the holder and owner of this phone and to not contact me or this person on my telephone. They have ignored this request and continued to contact me. 

Law Offices of .. XXXX XXXX
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX reported to TRANS UNION that My account was LATE and in their COLLECTION Dept. 

I was in the midst of a dispute with XXXX over a {$300.00} early termination fee since I was told by a XXXX Customer Service Representative that the cancellation fee would not be imposed since I notified them I wanted to cancel HOWEVER wanted to keep my same home telephone number which may take 7 -10 days to be released. 
The trial period was ONLY 14 days, I called on day 13 to cancel but was told I would not be able to keep my number unless I waited until XXXX released it. 
Thus it would be impossible to terminate service and keep my number ( which I 've had for 23 years ). 
A few days later when i received notice that my number was released I terminated service. 
I received a statement stating I had service for more than 14 days and therefore I would be charged the {$300.00}. 
I spent countless hours trying to speak with representatives and get XXXX to investigate the rep. who assured me the cancellation fee would not be charged. I sent XXXX letters to XXXX disputing the charge. 
Without a XXXX party or fair investigation, XXXX assigned my account to their Collection Dept. 
I disputed the wrongful tactics of XXXX. Preventing me from canceling within 14 days and keeping my 23 year old telephone number. 
XXXX claimed the rep. did not enter the comments into record and therefore the agreement to charge my was valid. 
XXXX should not be able to report my account as in collection while I am disputing the charges. The also should be required to have a third party investigate since XXXX simply denied their representative had told me or had the authority to tell me the early termination fee would be waived while awaiting the release of my home telephone number. 
I have paid IN FULL my account including the {$300.00} and XXXX still refuses to enter a new report to Trans Union without the indication that it was in collection. 
My credit score has suffered, dropping over XXXX points. 
IT is the ONLY adverse information on my credit report. 
Trans Union refuses to remove the collection designation even though it is paid. 
I told them it was reported while I was actively waiting for XXXX to investigate. 
Trans Union " investigated '' and a letter arrived showing that XXXX still shows it was in collection and thus it will not be removed until 2019! 
I want Trans Union to remove the Collection designation.
Consumer complaint received 2015-11-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

Scam Victim, I applied for loan threw XXXX XXXX XXXX. 
All they told me I had to was that XXXX XXXX would deposit money into my acct. to pay for my processing Fee .. So I was instructed to go to XXXX XXXX send to this person for my loan fees. 
So .. I did that. Next thing he tells me that I have n't paid my Taxes. 
He would cut me a deal. I owe XXXX I would only owe XXXXXXXXI knew right then this was a scam. I said no so XXXX the loan manager start to threaten me. 
Then I get all these XXXX from my bank Wells Fargo over XXXXXXXXHe made the claim. Stolen identity. And XXXX will not give me my money backThis is wrong .. Help. PLEASEXXXX XXXX
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I have been trying to obtain a loan modification for nearly a year and a half. I was repeatedly stonewalled with false investor guidelines that did not exist. Once I was able to prove that the supposed guidelines of MHP did not exist. I was offered a loan modification on both of my loans. I signed the loan modification agreements as instructed and sent them to Santander. Shortly after I received word from Santander that they would not honor the loan modification that they had arranged. Instead they wish to raise the payments on my second mortgage from the XXXX to XXXX On my limited fixed income this now becomes unsustainable. Throughout this process I have been stonewalled, been given false reasons for my denials, been spoken down to by the servicer, and been given incorrect information. I was only able to receive the loan modification offers through the help of multiple elected officials and the Massachusetts Attorney Generals Office. Now Santander gets me to sign one set of documents, and then throws me yet another curveball. I need assistance with this. I could not get away with changing prices after someone had signed a contract with me. Please help.