davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-25
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (IN)

In 2005 My wife XXXX & Myself were forced to file chap.XXXX Bank Ruptcy we did not include the mortg held by Wells Fargo Mortg . co. wells Fargo was presented a letter of intentions to keep the property, complete the payments. they were instructed to sign this letter, & return it to the court within fourteen days they chose to ignore the letter. their actions have prevented us from being able to qualify for refinance through the Obama Harp progs. It took me years to find out why. I then contacted Wells Fargo They admitted to their mistake however they stated that it was too late because any actions had to be completed within that fourteen day period I just today found out how to contact you. My wish is to make corrections so we will be able to refinace under the rules, & regs. of the Harp progs. The reason for this cond. is that the Real Estate market collapsed in our area by XXXX %. It is slowly recovering but not enough to allow us to refinance under standard conds. to qualify for the Harp Progs is our only hope. Wells Fargo 's actions, or lack of actions has already cost us thousands of Dollars We still have 19 years left on this mortg.which is at 7.5 % int. any help you can offer will be a big blessing Thank you
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Incorrect Items I am writing to formally request the removal of certain items from my credit report and to address inaccuracies related to My personal information is as follows : PLEASE REMOVE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NEVER LIVED IN XXXX Furthermore, under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX. 
PLEASE REMOVE OFF MY CREDIT ASAP!!! 

PLEASE REMOVE UNITED STATES XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Please conduct a comprehensive investigation and update my credit report accordingly, as stipulated by the Fair Credit Reporting Act. 

Enclosed are copies of supporting documents to assist with your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WI)

I have uploaded numerous documents on the companies page in the manner they recommend to get approved for forbearance or other repayments. To no response from the company or no indication that the documents were received. Contact the company to verify and no response. Payment was also much higher than was initially estimated.
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (OR)

On XX/XX/XXXX a complete modification package was sent to SPS. ( see attached ) A confirming email was received ( see attached ) The homeowner had a sale date set for XX/XX/XXXX.Our office called SPS and spoke to XXXX XXXX on XX/XX/XXXX and she stated the docs were received and they will be sent to processing. ( pull the call as they are recorded ) On XXXX we called SPS and spoke to XXXX XXXX who stated the docs are being reviewed. ( pull the call as they are recorded ) The sale date of XXXX was postponed until XX/XX/XXXX.Our office continued to call weekly for updates on the review. Every week we were told the file is being reviewed. On XX/XX/XXXX we called SPS and spoke with XXXX XXXX who stated the file was denied, but no denial letter was sent.On XX/XX/XXXX we called SPS and spoke to " member of management : XXXX XXXX ID XXXX. We told her no denial letter was ever sent yet we have correspondence from them that the docs were indeed sent in for review. That we have all call logs and records ( see attached ) from every employee we spoke to weekly with regards to the review. She reviewed the file and stated she sees where we spoke to the employees but that NO REVIEW WAS EVER OPENED as there was a sale date on XX/XX/XXXX. She contradicted what EVERY SINGLE EMPLOYEE STATED. She continued to repeat " there was a sale date on XX/XX/XXXX we could n't review the file. '' Once the sale date was postponed what was the excuse? She than stated it had to be in review 37 days before the sale date. THE SALE DATE WAS POSTPONED, WE HAVE CORRESPONDANCE FROM SPS VIA EMAIL AND WE HAVE DOCUMENTED CONVERSATIONS REGARDING THEIR EMPLOYESS TELLING US THE FILE WAS IN REVIEW. We informed her of all that information and she continued to make excuses. She then stated that XXXX did not move the " file forward. '' SPS records the calls!!! They need to review all calls dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX when we spoke with XXXX XXXX, XX/XX/XXXX when we spoke to XXXX XXXX, XX/XX/XXXX when we spoke to XXXX XXXX and then XXXX XXXX.For this to happen to a file is unacceptable. This file slipped through the cracks. At this time we are demanding the sale date be postponed or we will move forward with legalaction naming SPS as a defendant in a civil suit.Mr. XXXX has had issues after issues with SPS and it is apparent that they have neglected this file. Furthermore they have discriminated against XXXX XXXX based on his race, ethnicity, national origin, language, sex, and marital status. It is very obvious that SPS would rather foreclosure on the home than assist the homeowner. Lastly, there is an open dispute with their institution from XX/XX/XXXX that has NOT BEEN resolved, yet they are still trying to sell the home. That further proves their intention regarding the home as well as discrimination against the homeowner.
Consumer complaint received 2016-01-25
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CHECK INTO CASH INC. (TN)

A company I believe to be a Scam Debt collection agency contacted me stating I owed a debt from 2011 on a payday loan and that I was facing prison time for fraud. They stated they were contacting the XXXX 's office to press charges on behalf of a payday loan store I do not remember. They also contacted my father stating the same and telling him I was looking at immediate prosecution and jail time if the debt was not paid immediately. The SOL passed after 12 months in the state of Tennessee ( anything under {$500.00} ), so any debt can not be collected on with the threat of action anyway. They have attempted to collect further information and payment through contacting other family members in other states and informing them I will face prison time unless someone pays this debt. 
The name of the company is : XXXX, XXXX XXXX. XXXX XXXX XXXX, FL XXXX Phone # XXXX I am certain they are scammers and will be sending them a notarized cease and desist letter with return reciept requested.
Consumer complaint received 2016-01-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Associated Credit Services, Inc. (MD)

This company has called me repeatedly over three years after my informing them multiple times that this was a wrong number. Their caller ID does not list a name. They have been very rude and refused to identify themselves when I asked who they were, saying " if you are n't the person we are calling, then you do n't need to know. '' I have called back and asked to talk to a supervisor -- they said they would transfer me, and dropped the call.
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

On XXXX XXXX, 2015, we were notified by XXXX XXXX XXXX that after their escrow review our mortgage payment would be decreased from {$2200.00} to {$2000.00} as of XXXX XXXX, 2015. In XXXX, our mortgage was transferred to Carrington Mortgage Services. After not receiving any documents on how to pay your company starting XXXX XXXX, 2015, I called customer service and found out that we would still have to pay the amount of {$2200.00} until a new escrow analysis was run and was told that would take approximately XXXX days. I called today, XXXX XXXX, and was told that the the analysis was completed but our payment would be increased to {$2200.00}. I was told that I would receive the documents in the mail explaining why but wish to address this now. 
Based on my current tax and homeowner 's insurance bills plus the MIP payment, our escrow payment should be {$790.00} a month, which is less than the {$790.00} XXXX XXXX XXXX calculated in XXXX. I have included with this fax copies of our current insurance and tax bills plus the escrow report run by XXXX XXXX XXXX to show how I calculated these amounts. I would like an additional analysis run on our account with the correct information and for us to pay the correct lower amount as told to us by XXXX XXXX XXXX.
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I had come to find out that i have a collection on my credit report that has been fully paid. The collection was by XXXX XXXX and should have never existed in the first place. The doctor who submitted the collection did so in error do to a malfunction in his accounting process. I have a signed statement from him attesting to this fact. I have disputed this with XXXX and they promised to remove the collection but did not. I then have disputed this with Equifax several times and and they will not remove the collection. This collection has been reduced to zero but i have never paid the collection agency a dime!! 
Furthermore, every time i open up this dispute, Equifax updates the balance to zero and the collection to the latest month decreasing my credit score even more. Finally, XXXX have already agreed this was erroneous and have totally deleted the collection from my record. At this point i feel harassed by Equifax since they will not investigate properly or provide any transparency as to how they arrive at their decision or who they have called to verify information. I have also called them several times to discuss with to no avail. This agency is by far XXXX of the worst organizations I have had the displeasure to work with. My credit score went from a XXXX to a XXXX, this is ridiculous and should not be tolerated. I will attach the signed letter from the Doctor as evidence. I have also uploaded proof of deletion by XXXX. 

Also i have opened up yet another dispute and included the number in the above dispute number field provided.
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On or around XXXX 2014 in an effort to open a new credit line I was informed that the creditor was unable to open my request. In an effort to find out what was going on I contacted all XXXX major credit bureaus and I was informed that and became aware of several entries including various inquires which were never authorized. Upon receiving this information I contacted the source directly only to be told they had no information and to submit my dispute in writing as well as contact law enforcement. As requested I did all of the following and was provided several months later a copy of the report to provide to both the sources as well as the credit reporting agencies. After several months of going back in forth I received notification that they verified the account as accurate and refused to use law enforcement 's report. Since that time I have continued my efforts only to be ignored and to date they have refused to supply me with a complete outline of the verification process they have conducted.
Consumer complaint received 2015-05-28
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AES/PHEAA (OH)

I CONTACTED THIS COMPANY REQUESTING VALIDATION REGARDING THIS DEBT, THE ACCOUNT AND THE INFORMATION REPORTED ABOUT THIS DEBT. THIS COMPANY NEVER RESPONDED TO MY REQUEST OR SENT VALID DOCUMENTATION TO VALIDATE THIER CLAIM. THE COMPANY NEVER GAVE ME AN OPPORTUNITY TO DISPUTE THIER CLAIM AND THE NEGATIVE INFORMATION THAT THEY HAVE REPORTED TO THE CREDIT BUREAUS. FIRST OF ALL THE INFOMRATION THEY HAVE REPORTED IS TOTALLY INCORRECT ; THIS ACCOUNT IS NOT IN IS NOT CURRENTLY IN BANKRUPTCY, AND IT IS CURRENTLY IN A WAGE EARNER PLAN WHICH IS INACCURATE INFORMATION ON MY CREDIT FILE.THE CHAPTER XXXX BANKRUPTCY WAS DISMISSED IN XXXX AND ALL OF MY LOANS ARE CONSOLIDATED WITH ANOTHER LENDER. THIS ACCOUNT IS NOT IN BANKRUPTCY AS I HAVE DISPUTED WITH THE CREDIT BUREAUS. THE CREDIT BUREAUS CLAIM THAT THIS COMPANY VERIFIED THE ACCOUNT AND INFORMATION AS ACCURATE AND I WOULD LIKE TO KNOW HOW. I WOULD LIKE TO KNOW WHAT DOCUMENTATIONS TO THEY HAVE TO VALIDATE THIS ACCOUNT AND TO VERIFY THAT THE INFOMRATION THEY HAVE REPORTED TO XXXX IS ACCURATE. BY LAW THEY WERE SUPPOSED TO RESPOND TO MY REQUEST AND VALIDATE THIS INFORMATION WITH COMPETENT EVIDENCE AS I SENT THEM A LETTER VIA XXXX MAIL AND NEVER RECEIVED A RESPONSE. THAT IS A VIOLATION OF THE FAIR CREDIT COLLECTION ACT, AND THE FAIR DEBT REPORTING PRACTICES ACT.
Consumer complaint received 2016-01-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My account was in a positive balance. XXXX transactions which were to occur the previous day were applied by Bank of America and XXXX overdraft charges were made with a total amount of {$140.00}. I deem this activity to be unlawful. After contacting Bank of America customer service on XXXX/XXXX/2016, I was informed that the fees can not be waived and that I am unable to close my account which I had also requested during this phone call.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

We submitted a complaint about Green Tree Mortgage taking a payment and misapplying it incorrectly and then charging us for late fees and not remedying the situation after we wrote numerous letters. We have NEVER missed a single payment. Green Tree also took out insurance and charged us for it, even though our association has insurance for common areas. We provided the policy, but they continue to charge us for their policy and not refund the money they took from us. They have also raised the payment monthly and then add horrendous late fees even though they get and cash each of our checks. We have been harassed by them since they took over the loan and inappropriately handled our escrow. We can not get this rectified. They are unreasonable and refuse to actually answer the problem, even though they write lots of letters telling us what they did, but not how they cured the problem they created. We filed a complaint previously, but we have seen no relief. Our credit situation is deteriorating. Also, Green Tree refused to modify the loan to a reasonable % -- why should they if they can get nearly 7 % from us? That is their thinking. I am going to be XXXX and my wife is unemployed. This situation has been very difficult for us. We hope you can help. 
Thank you very much. 
XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-05-29
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Executive Acquisitions Group, LLC (FL)

On XXXX XXXX, 2015 XXXX XXXX called indicating that I owe XXXX XXXX XXXX an amount over {$500.00}. I asked where did he get that figure from and he said it 's allegedly what I owe plus fees. He further indicated that I committed fraud and that Ace will pursue me if I did n't make a payment that day. I asked him to clarify what he meant by pursue and he said that ACE would levy my bank accounts and paychecks. I mistakenly made a payment without researching his company which he failed to mention at the beginning of the call. He said I could settle the account by paying {$270.00} and I asked for an email stating that the account is resolved and that there would be no further obligation. I called back on XXXX XXXX because I had n't received the email. He said he would have his administrator send it in that moment. That e-mail never showed which is when I became suspicious. The number he called from was unlisted. I called XXXX and was told I allegedly owe {$250.00}, they had no idea who XXXX ( entity listed as taking the payment ) is and that a company called XXXX XXXX is handling the case but it could also be resolved on their website. I called my card company to start a chargeback and the company has refused to reverse the payment from XXXX attempts so far. I have been getting calls since then from XXXX XXXX which are saved to my voicemail. He XXXX stated I need to tell my sister there 's a problem with the payment. My sister has nothing to do with this situation. In the second call he says there 's an attempt for a chargeback to call back. Today XXXX XXXX, the number he calls from shows up on my caller ID as Executive Acquisition and when I look up the number it 's a cell phone. This time he says " they are going to press charges because you gave them a fake checking account and you committed fraud ''. This is indefinitely a false accusation. He does n't even say XXXX so who is he referring to when he says they? In addition, he fails to say his name or where he 's calling from but I recognize his voice because he 's the only person who 's been calling. At this point I do n't know who this company is or who they are representing. I 've also seen other complaints about all three of the above mentioned companies with the exception of XXXX. I want my {$270.00} back and will deal with XXXX directly. I need help to stop these people and get my money back.
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

on sunday XXXX/XXXX/15 bank of america show i owed a minimum payment i payed twice the minimum they showed they recieved it XXXX/XXXX/15. they now show i owe a minimum payment i maintain they should not show payment due till is realey due i think that could make people late if they think their payment is paid
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America was supposed to modify my mortgage from 6.75 % fixed to the current rate 4.00 % Fixed. I was told to call XXXX, when I did, I was told that my paperwork had been lost.
Consumer complaint received 2015-12-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. ()

Previous landlord at a apartment complex trying to charge cleaning fees for an apartment that I vacated in XX/XX/XXXX. Landlord sent bill to a collection agency which is trying to contact me to collect charges. I am currently XXXX via military services at XXXX XXXX, XXXX and I have not received any proof of charges for my review in my present location as requested to collection agency 3 weeks ago.
Consumer complaint received 2015-06-29
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I have a complaint about Merrill Lynch XXXX Alabama office. My XXXX account was taken over with funds exceeding over {$76000.00} and ML allowed a person that was never on account to withdraw all funds. The local Judge heard the case and has ordered that account be refunded, however to this day from XXXX nothing has been done. I have court order with me as XXXX account sole custodian and I have every check that ML has allowed to be cashed and taken from account even after account was frozen.
Consumer complaint received 2016-01-25
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: TENET HEALTHCARE CORPORATION (FL)

On XXXX/XXXX/2016 I contacted syndicated office systems in order to resolve an outstanding account. After my identity was verified, the representative was rude and bullish. I requested to be transferred to a manager and i was transferred to a lead person. His name is XXXX XXXX, who was nastier than the first person. He refused to verify any information to prove that the outstanding account was mine. I repeatedly requested that he verify the address on file but he said that he does n't do that, that i had to do so myself. After several uncomfortable minutes, i finally just wanted to get the situation over and just paid the account. I felt bullied and harassed.
Consumer complaint received 2016-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I contacted the reporting aciency reguarding information that should be off my account due to either settlements that I am not allowed to discuss or companies that can not prove that this debt is mine. My personal information has been stolen from XXXX different data breaches so I want a signed contract or the credit reporting agiency needs to remove it imediatley. All these companies need to do is say someone owes them and then your life is ruined. I will retain a lawyer if the items I disputed are not removed imediatley.
Consumer complaint received 2016-01-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

We were making regular payments to Citibank for a HELOC. 
Payments were automated using our bank 's online bill pay system. 
Payments were made every month, on time. 
However, Citibank changed the amount without informing us. 
Then they reported a late payment on the account which severely affected our credit. 
Be the time we were notified, Citibank already reported a late payment the the credit agencies. 
We immediately corrected the amount and brought the account up to date and then asked Citibank to remove the credit report since they did not notify us of the changes in time. 
They denied our request. Our credit score suffered because of this miscommunication.