davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

I initially submitted a CFPB case that received extremely vague responses from Wells Fargo Home Mortgage. After submitting a follow up complaint to obtain answers to the specific issues, Wells Fargo sent a letter to me and to the CFPB that referenced the original complaint, and the bank declined to address any of my concerns, as it dodged the questions via a loophole in the CFPB system. 

According to Wells Fargo, the bank can provide generic and boilerplate responses, while exercising its ability to plead the Fifth Amendment, if subsequent inquires are made. 

The bank is completely aware of its abuse of the process that the CFPB maintains to avoid duplicate responses ; however, my original complaints were never answered. 

I asked Wells Fargo for a chain of title that reflects the title history and the validity of the title status for my home. The bank said no, we will not supply any information that verifies whether our actions has clouded the title to your home. 

My loan was sold from Wells Fargo to XXXX XXXX in XX/XX/XXXX. Several fraudulent mortgage assignments were drafted, signed and entered into local court records, thereafter. But, an assignment of mortgage that Wells Fargo used to obtain a judgement was not devised until XX/XX/XXXX. 

After selling my home loan in XX/XX/XXXX to XXXX XXXX within a securitized transaction, Wells Fargo resurfaced along with XXXX XXXX XXXX XXXX XXXX to fabricate an assignment of mortgage in XX/XX/XXXX ( 5 years after selling the note ) to obtain a judgment and toward the prosecution of a foreclosure, " for a loan that it had already sold. " I want justice for my family. Please hold these bank accountable for the pain and suffering that my family has endured as a result of this ongoing charade. Since this bank does not want to cooperate with me, I am asking the CFPB, the OCC and the FDIC to investigate the merits of my complaint much further, and to enforce greater oversight of these licensed banking entities that continue to dupe consumers, as well as regulators. 

Also, I want to be considered for monetary compensation, class action lawsuits and for predatory abuses that I 've experienced since the inception of my loan origination with Wells Fargo Home Mortgage.
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

Experian Dispute Number XXXX Dispute Number XXXX An account with XXXX XXXX was settled on XXXX XXXX, 2015, in the amount of XXXX. During the next reporting period, which was XXXX XXXX, 2015 no update to the credit bureaus had been posted. On XXXX XXXX, 2015, I filed formal disputes with all three CRA 's, and within 5-7 days, all three reported my settlement as a single payment, with a derogatory balance remaining. This has further damaged my credit rating. I have attempted to call XXXX, who refuses to update. Also, two of the three CRA 's have stated that their investigation is complete. Not only did the company in question not stick to a written agreement, but my questioning them has lead to them reporting false information, when I physically sent in a copy of the agreement to transunion, with not even a furthur investigation by either of the three CRA 's ; as they deem, to be needed. This appears to me to be a vindictive action of the creditor, being upheld by all three CRA 's, all of which refuse to listen to me. This has hurt my credit rating even further, making it difficult for me to find proper housing ; as, I was left without the home during my divorce. I have settled with several other companies, all of which reported appropriately. I am just asking for the CRA 's to investigate further, which would require XXXX to be honest, and hold them accountable to their settlement agreements. Thank you. Also of note, my payment was sent the XXXX/XXXX/15, scheduled for delivery XXXX/XXXX/15, and picked up by XXXX XXXX/XXXX/15.
Consumer complaint received 2016-01-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SQUARETWO FINANCIAL CORPORATION (CO)

I received a letter from XXXX XXXX representing CACH LLC on an account being claimed was sold to them by XXXX XXXX XXXX. I contacted CACH LLC in XXXX with documentation supporting that the original creditor was XXXX XXXX on account that was compromised in XXXX. The charges were removed and the account should have been closed as Paid in Full. During this time XXXX XXXX went into bankruptcy proceedings with assets going to both XXXX and XXXX XXXX XXXX. In a system transfer the XXXX account was given to XXXX banks with a system error transfer of fraudulent charges from XXXX XXXX. Both XXXX and XXXX adjusted to reflect interest rates on the fraudulent charges and fees to legitimize the balance as a receivable to both banks. Eventually both banks sold the same account to XXXX collection agencies XXXX XXXX and CACH LLC. XXXX XXXX filed a claim in XXXX XXXX XXXX XXXX and dismissed the case by a judicial ruling without prejudice in XXXX. Now CACH LLC has retained another agency to continue collecting on fraudulent balances that were already ruled on and accepted as fraudulent for the same account. Aside from a balance that is going on XXXX years old and violating CO 's statute of limitations of 6 years, their are several TILA violations from XXXX and XXXX prior to the sale of the account to XXXX XXXX and CACH LLC and a court case being dismissed without prejudice for the fraudulent charges associated with the XXXX account and sold as a receivable to XXXX different banks.
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I had my mortgage with XXXX for 10 years. They sold my account in XXXX to Specialize Loan Services ( SLS ). I was to begin making my monthly mortgage payment to SLS XXXX XXXX, 2015. I called them to verify the amount was the same and to make my first payment over the phone. They could n't accept my payment because their system was down. A few days later I called back to make the payment and was told they could n't process it because they did n't have the rest of the paperwork from XXXX. They said they were waiting on the terms from them. SLS told me they would call me back to accept the payment. Two days later after not hearing back from them, I called again and left a message for my agent to please all me back. I called XXXX, explained to them the situation and was advised by them that everything was " signed, sealed, and delivered '' in XXXX. XXXX told me SLS has everything from our loan. Three days later after no word back, I called SLS yet AGAIN and insisted I speak with someone that would accept my payment. I was again told they were waiting on the rest of the paperwork from XXXX but assured me I had 60 days from the start of the new service with them to make my first payment. They told me I would n't receive any late fees or negative credit reporting. I told them I still wanted them to accept my payment. They said they would have to put it into a suspense account until the loan was finalized. I gave them my bank account info and authorization to deduct my monthly mortgage payment. Upon my request, they said they would email me what was discussed confirming they had not yet received the paperwork from XXXX, their was a 60 day grace period ( which I do n't want ), and they accepted payment that would be placed into a suspense account. Here we are 2 days later and not only have they not emailed me, they HAVENT DEDUCTED THE MONEY FROM MY ACCOUNT! I am very concerned as we are quickly approaching a new month. Several online reviews warn about SLS not accepting payment and instead wanting to force homeowners into foreclosure. I ca n't comprehend this. Please help!
Consumer complaint received 2015-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

I contacted credit agency to verify debt seeking proof of debt from original company to the creditor company. The company refused to fax or email verification of debt and would only mail the verification. I offered to make payment immediately upon receipt of verification. Company threatened that debt would incur interest during their mailing time and further increase my debt. This is essentially a punishment for seeking verification of a debt before paying the creditor. Additionally, I never received notice of the debt from the original company, so verification of the debt was needed.
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I have been trying to get a loan modification from XXXX XXXX XXXX since XX/XX/XXXX which the loan has now been bought out by Rushmore Loan Management Services. While it was with XXXX XXXX XXXX, after asking for help I was told I would have to skip XXXX payments which I did and then they would talk to me about helping me. They then sent me a letter telling me what I needed to send them which I did and to start making my payments again which I did. They said I would here back from them within 45 days. Before the 45 days were up they put us in foreclosure and never let us pay again even though we could make the payments and made us accrue over {$100000.00} in interest since XX/XX/XXXX. I have an attorney working on this with me. The last correspondence we have had from them was in XXXX XX/XX/XXXX which is well beyond the 45 days that they should have responded to us from the offer they gave us and our lawyer wrote back to them. This has been a continuing problem with this bank and has gone on way to long. This bank ignores our attorneys phone calls and we feel it is time the bank responds to us and our attorney. They have destroyed my credit letting this go on for so long. It is the banks responsibility to get back to us in a reasonable time frame and they are not doing that. I just want to hopefully receive this modification and finally move on with my life. I do n't feel the bank should have the right to keep this up in the air without any correspondence at all. I just want them to do what they should do in the correct amount of time allowed.
Consumer complaint received 2015-11-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: AFNI INC. (CA)

Received a Collection notice from Company called Afni for an account that is been paid and closed for 10 years. They said they represent XXXX. a XXXX we have not done business with for 10 years. We have been with XXXX for 10 years. The person that called us said he was a collection agent for Afni and that they could make our life miserable until we pay them, they claim they bought the bad debt and will collect. They demanded I send them {$220.00} immediately or the bill would go up.
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I contacted all XXXX bureaus in XXXX of XXXX by telephone and notified them of incorrect name and address information on my report. I also notified them that there were several accounts opened that were not mine, and to please put a fraud alert on my account. They did and did remove some accounts. But they did not remove the incorrect names, nor did they notify me to send in documentation to verify my identity, although I had explained to them that the XXXX had seen that someone used my XXXX number to open student loans. They put back the inaccurate name and address information on my credit report without notifying me. Some of this information belongs to my ex-husband. Why it is on my credit report, I do not know. Also, they are reporting information that is over seven years old, Other than that, there are XXXX accounts, that someone opened in my name, through a loan agency I had previously used and did not pay, XXXX was paid and is reporting as paid, and XXXX is reporting as closed and never paid on, but I could never afford a loan of that amount. I have repeatedly contacted them to remove this information for the last six months regarding the incorrect addresses and names, Also the XXXX accounts not opened my me being XXXX opened in XXXX and XXXX XXXX, I have spoken to XXXX and they confirmed that it was NOT my account. They did their investigation online and did not send me any reports, so I do not have any documentation.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

IDENTITY THEFT, please take a look at this immediately. My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2015-07-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Emmett L. Goodman, Jr., LLC (GA)

Someone has the same name and birthdate as me- they are using my address to run up debt. Our social security numbers are not the same- the debt is not mine. I get calls all the time and now I received a settlement letter from Emmett L. Goodman Jr, LLC out of XXXX representing XXXX XXXX XXXX as assignee and purchaser of XXXX XXXX , XXXX and Co. When I try to dispute the information they claim name, address and birthdate are the same- it has to be mine- even though last XXXX of social are NOT the same. I do n't know how to fix this and the Goodman office wo n't do anything. If its not me- then this is harassment. I have great credit and have worked hard to keep it up- I am an upstanding citizen in my community and I find it very stressful- the calls and letter.
Consumer complaint received 2015-12-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (NY)

Treated poorly by credit reporting agency staff that no verification needed to be sent. I feel that a proper investigation was not done as there 's XXXX collections on my report for Experian that will not be removed I do own these debts and I am still disputing them, I was told that I have to call the original creditor I 've never received any documentation from either of these companies so I feel that any communication that I start with them could be used in their favor because they are a fraudulent debt collection agency I want these accounts removed as they are not mine. I am a XXXX. Maybe they belong to my deceased father who passed away who shares the same name
Consumer complaint received 2015-11-18
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Cooper Hoffman Klein Associates (TX)

Apparently this company told a friend of mine that we had written a bad check in 2013 and they are an attorney on behalf of this client. This company shared false information and personal information to people that I know. This company also called my phone and stated they were contacting me regarding fraud charges and wanted to get a defense statement for prosecution. They represented themselves as attorneys. When I asked them for their location to come to their office they stated they were located in XXXX. I told them my attorney and I could come to their office to discuss what " charges '' were being filed against me.
Consumer complaint received 2016-02-22
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (OH)

On XXXX XXXX, 2016 we paid {$4000.00} to pay off our Citi Credit card ( last XXXX account # XXXX ) and received a interest bill for {$27.00}. Per statement and agent XXXX at Citi Bank they charge DAILY interest on the account for money owed up through the end of billing cycle and/or the time the payment is processed. The account was paid off based on their information and now they are charging us for money that has already been received by them. 

If they continue with " daily billing '' it will be impossible to pay off a credit card, if of course we paid per their billing statement. 

However, theoretically, even if I sent money and they received the money the same day as our billing cycle begins, they can still bill me interest for the hours or the day it takes them to process the payment. 

So according to their business model and legal agreement, I WILL NEVER BE ABLE TO PAY THE ACCOUNT IN FULL!
Consumer complaint received 2016-01-02
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal has reported an incorrect amount to XXXX and XXXX. Navy Federal reported I owe XXXX as of XXXX/XXXX/15 and that is incorrect. The correct balance that is owed is XXXX. I have sent several complaints about Navy Federal and Navy Federal keep messing up my credit by reporting wrong information. Navy Federal should be held accountable for continuing to mess up my credit report and score.
Consumer complaint received 2016-02-05
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (AZ)

I transferred {$500.00} by Western Union to a relative in XXXX. WU used a conversion rate of {$1.00} USD = {$1.00} XXXX. I thought that might be a little low and when I questioned the XXXX Phone Customer Service representative he indicaated he understood the conversion rates are determined by the prior days rates. When I checked the currency trading charts I found the rate when I actually transferred the money was {$1.00} XXXX. When I reviewed rate history, the last time the exchange rate was in the {$1.00} XXXX range was on XXXX XXXX XXXX when the rate was {$1.00} XXXX, and the highest rate this year was on XX/XX/XXXX and the rate was {$1.00} XXXX. Looks like I lost {$32.00} in the exchange at the lower rate, almost as much as the {$37.00} TRANSFER FEE. Should this have cost {$74.00} total? How are companies allowed to decide what the exchange rates should be?
Consumer complaint received 2015-12-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (MA)

American Education Services defaulted my XXXX private school loan after speaking to several different representatives about a forbearance. The process was to file a forbearance letter, XXXX from the previous year, and self certifying letter insisting that I was actively searching for a job. Since, all the job agencies were not within driving distance. A self certifying letter was viable. I provided all XXXX several times. EVERY SINGLE TIME a representative said they left a note in the system on the account. That the loan would not be defaulted while the forbearance was being processed. But every single time getting a denial letter because papers were not getting processed on time or a miscommunication by AES. My last attempt being a few weeks ago, while my delinquency continued to increase due to the long drawn out process. Over three months later, the process still did not conclude with a forbearance issued. The last representative ( XXXX ) I spoke to in early XXXX said they received every single form, but it would take 7-10 days to process. Also, that she would leave a note saying there would be no default. On XXXX XXXX, they defaulted the loan anyways because they said even though everything was processed, it was too late. The representative I spoke to gave me a number to the guarantor, XXXX, and told me to take it up with them. I immediately asked to speak with a supervisor ( XXXX ), so I could inform her that I would be filing a complaint with the bureau of consumer financial protection. The supervisor looked back into the account for notes. She said there NOT A SINGLE NOTE was posted to my account about delaying the default and that all the representatives gave me wrong information. Instead of finding a solution to the problem ; she gave me nothing. Told me she could n't do nothing and that she will email the other supervisor about employee misconduct. That 's it while completely ignoring the fact that they had defaulted my loan. American Education Services is by far the worst loan servicing system that I have dealt with. The mistrust, misinformation and improper tactics they use did not help me in my time of need. Ruining my credit as a kicker is even worst with no possible solution provided.
Consumer complaint received 2015-04-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

I sent two dispute letters to have these accounts validated because they were reporting incorrect information and both times the agency stated that they verified the information and I know for a fact that these items should not still be on my credit report. The credit bureau is not validating the information as stated. The company is changing dates to more recent dates and stating that I made payments when I have had no contact with them for years.
Consumer complaint received 2015-12-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

My Experian report shows that the company XXXX claims that I owe them a debt. I have requested by certified mail multiple times that XXXX and Experian verify and validate this debt. Both have failed to provide documentation that proves I owe this debt. Experian will not provide me any documentation or information in accordance with the FCRA to prove that this debt should remain on my report. XXXX sent me a rental application that was filled out but not an actual lease agreement. A rental APPLICATION is NOT a lease agreement. It is an APPLICATION. Their paperwork does not prove that I owe this debt and Procollect did not provide me with proof within the 30 day time frame allotted by law. THIS DEBT HAS NOT BEEN REMOVED AND MUST BE REMOVED. Both Experian and XXXX have not complied with the FCRA and are in violation. I request this debt be removed from my Experian credit report as this negative remark has cost me money and prevented me from qualifying for credit. I feel that I am being bullied and discriminated against.
Consumer complaint received 2015-07-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NH)

Hello, My name is XXXX XXXX, I have a serious issue with my credit. Since I was XXXX ( I 'm now XXXX ) there have been " error '' messages every time I attempt to get any sort of credit card or loan. This has happened at least XXXX times over the past 4 years. When these companies use my Social Security Number to get my score they can not receive any sort of information from the credit bureaus. I have attempted to get a free credit score from some of the larger websites such as XXXX and I still do n't get any information. I 'm not exactly sure what Bureau has the issue with my information or if it is all of them but I do not know the first place to start when it comes to this issue. I really hope that someone can help me or at least point me in the right direction. Thank you for your time. My email is XXXXXXXXXXXX.