davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (MA)

Private student loans vs. Federal student loans. This country needs to come up with the option to make private student loans converted over into Federal student loans! Us people who were foolish enough to go to college on private loan money are left with wayyyy less options than people with Federal student loans. It 's not fair. I was a naive XXXX year old kid without a clue to what I was doing and this country 's educational system took advantage of me like they are doing to thousands of others. Something needs to be done and it needs to be done now, it 's a short life on this earth, why make it so hard?
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

My home was sold to Foreclosure on XXXX/XXXX/2015. I hired an Attorney as i felt this was not done correctly by the bank or their Attorney XXXX XXXX XXXX. My Attorney was able to get the courts to rescind the sale date. Since XXXX 2015 i have submitted XXXX modification packages to GreenTree ; however, they will not review my loan for modification as they state their system still shows my home was foreclosed on. XXXX XXXX XXXX their Attorneys have not communicated with them the fact that the foreclosure sale was overturned. My Attorneys office has tried to explain to GreenTree and XXXX XXXX XXXX the issues, however, we are now in XXXX and GreenTree nor XXXX XXXX XXXX has made any effort to assist. Please help. I am trying to save my home. For further proof or evidence my case is under XXXX XXXX and the case number is XXXX. 
Thank You.
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I requested detailed accounting of payments & charges along with an explanation of any charges & how those fees were calculated, copy of original contract with original creditor & documentation on sale of the repossessed car & amount applied to account & copy of repossession papers in connection with a XXXX XXXX account showing up on my credit report.I filed a dispute with TransUnion on XXXX/XXXX/2015, they stated they received a letter that states simply that the account was accurate & then made changes to XXXX dates, there no was verification to prove the account is accurate & valid included with the statement. They did n't even receive verification showing the account is even my account ( no original signed contract with original creditor ). According to FCRA section 611 ( c ) if they did not receive the detailed verification that was requested, showing the account is valid & accurate, they are required to remove it. They did not. They chose only to update the account even though they had not received any verification showing its validity or accuracy. They refused to provide me with a copy of the letter they received from XXXX XXXX. I received no written results of investigation, which I should have received within XXXX days of being notified the investigation had been completed ( on XXXX/XXXX/2015 ), thereby violating FCRA section 611 ( a ) ( 6 ). I spoke with XXXX different representatives ( the XXXX one hung up on me ) & a supervisor, none of them seemed to care that they were violating my rights as a consumer per the FCRA. They offered to dispute again using the same electronic method of dispute, but said if XXXX XXXX did n't respond with the requested verification they still could n't remove the account which is not accurate. FCRA section 611 ( a ) ( 5 ) states that if they are unable to verify the account they are required to remove it. I am filing a complaint about the way my investigation was handled and how they chose to ignore the fact that XXXX XXXX was not able to provide any proof or verifying documents to show the account was valid, accurate or even belonged to me. When I disputed with TransUnion, I also sent a letter to XXXX XXXX disputing the account & requesting verification of all the documents I listed above. As yet they have not responded to my request for verification either. In four days they will be at the 30 day response time as required by law. I do n't expect a response from them because I doubt if they are able to verify any of the information that I requested. I will enclose a copy of the letter sent to them.
Consumer complaint received 2015-08-13
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America allowed XXXX Federal IRS tax refund checks that were jointly written to my ex husband XXXX XXXX XXXX and myself XXXX XXXX XXXX to be deposited and cashed by my ex husband without my authorization or signature. I do not now nor have I ever banked with them. The checks in question total {$730.00}. They were deposited into his checking account at one of their atms in XXXX, Maryland. The checks were never stopped once the transactions were posted on the next business day. The checks in question were forwarded illegally to someone else 's personal P.O. Box that did not belong to either my ex husband or myself. I contacted them to resolve this issue but they have refused to deal with me since I am not the account holder.
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

I missed XXXX payment on a mortgage I had been paying on time for XXXX years. When paying my next payment it was applied to the previous month, no notification either time as if they were waiting to set me up to foreclose on the property. Only found out by accident when calling another lender to refinance, to this day Chase has yet to notify me or take any blame for any wrong
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Shellpoint Partners, LLC (AZ)

filed s previous complaint # XXXX Shellpoint Mortgage Serviving. 
Shellpoint responded explaining what they could do and how shellpoint sent me an authorization to sign then they responded laying out what they would do. 
They did nothing the credit agencies reported for XXXX day and removedany thing to do with Shellpoint. Shellpoint is messing with our lives ourcredit reports this is causing a rollercoaster with our creditscores.
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

Equifax shows a XXXX credit score despite the fact that I have standing credit with XXXX banks and other creditors. I 've contacted my creditors and all said they report to Equifax, when contacted Equifax I was told it was the creditors fault for not reporting. I have excellent credit and no problem with XXXX and XXXX.
Consumer complaint received 2015-08-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Focus Holding Company (GA)

I have completed a bankruptcy protection in XXXX 2015 and I have paperwork showing that the bankruptcy was approved. I have been getting calls from some company called " Focus Receivables Management ''. I have asked to speak to someone about it but I just get sent to a voicemail for XXXX. No one will tell the what the account is for just mumbling about an attempt to collect a debt. I keep telling them that I have completed a bankruptcy and I still keep getting called to tell me to call them back and I keep getting a voicemail. I am so done with this, I am tired of dealing with ignorant people who do n't know anything about the debt and want me to pay. Not so, I 'm not old and senile to pay anyone who says I owe them something. They need to get band from doing busy in America, this is ridiculous calling me at night and in the morning hours. I do n't owe anyone anything, everything was cleared in bankruptcy. I know if they 're calling me they 're calling other people as well and doing the same thing.
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Mortgage Loan # XXXX was paid off on XX/XX/XXXX and Bank of America posted the load as paid off on XX/XX/XXXX, however they reported to the Credit Bureaus the load was 90 days past due in XX/XX/XXXX thus causing us gravely unjust hurting my credit making it impossible for me to secure financing through other institutions to buy a house. 
Bank of America refuses to change what they reported to the credit bureaus ( Letter attached ) in particularly XXXX who advised me by phone on XXXX XXXX that they could not change what Bank of America reported to them which shows 90 days past due in XXXX. 
I feel Bank of America needs to correct this with all Credit Bureaus IMMEDIATELY and furnish ME the written information provided to the Credit Bureaus to get this corrected.
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (ME)

We paid off our mortgage with wells fargo on XXXX/XXXX/15. On the evening of XXXX/XXXX/15 I received a letter stating that I had to call them to cancel my auto withdrawal of my mortgage payment. I checked my account and noticed that they had tried to withdraw the mortgage payment, so we were charged XXXX XXXX. insufficient funds charge. I called them XXXX and told them to cancel my auto withdrawal. On XXXX they tried to withdraw again. We got another XXXX charge, plus a recurring insufficient funds charge of XXXX. So now we 're up to XXXX dollars in our account. I called wells fargo again, and the girl kept saying I have no record of your call, you never told us not to take the money, and there 's nothing we can do about it, you need to put a stop payment on your account. Also that they would n't refund the fees. So, I called XXXX bank and told them what was happening and she told me that, sure, they could put stop payments on those amounts, but it would cost XXXX for each XXXX. At this point I told her to close my account. She said she could n't close it until I paid the fees.
Consumer complaint received 2015-12-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Debt collector, XXXX XXXX XXXX XXXX is reporting the incorrect date of first delinquency and re-aging the account adding an additional year. Transunion refuses to correct the date as they state they are not responsible for what is reported and they are not authorized to correct errors.
Consumer complaint received 2015-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: States Recovery Systems, Inc. (CA)

I have a debt that university of XXXX is claiming that I owe them due to my not taking a masters program with them after I took the bachelors program. They sent this debt to a collection agency and I have been making {$25.00} payments once a month to States Recovery System, Inc. On XX/XX/XXXX I get a letter saying that I have XXXX of XXXX outrageous payment agreements to make or they are moving forward. The XXXX option is to pay {$2000.00} a month. The XXXX one is {$1100.00} a month. The third one is to pay {$670.00} a month. They gave me until XX/XX/XXXX to make a decision when the letter was dated XX/XX/XXXX and I got it on XX/XX/XXXX. I do n't know how these payments are justified out of the clear blue sky when I have been making payments that I can only afford and I have not been ignoring them or running away from them either.
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

XXXX is currently reporting a balance of XXXX on my credit reports. I received XXXX different notice of collection from XXXX different agencies. XXXX sold the account so they need to report a {$0.00} and also tell me who the debt ACTUALLY belongs too. I have attached documentation from each CA and my report still has the balance. They are reporting inaccurate information.. False or misleading representation of debt amount is illegal as well as unfair. If this is not resolved then I risk having XXXX different companies reporting the SAME debt ... the XXXX companies are : XXXX, XXXX XXXX and XXXX XXXX ... These practices are not fair.
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

After numerous filings they continue to reage the information using the latest date even though the transactions occurred in 2009 or much earlier. This gives the wrong impression to someone reviewing the credit report. These are disputed because they have been incorrect for sometime even after spending over a year to correct the reports. Now I realize you have no power as an agency to do much and they can totally ignore you but in my opinion this is deceptive. IF the information was finalized years ago it should reflect the correct date NOT a current date. This is across the board with all reporting agencies. Also XXXX had the wrong personal information on my wife 's report. How are we to expect any correct reporting when we have to deal with this.
Consumer complaint received 2015-08-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bonneville Billing and Collections (UT)

Bonneville Collections is collection on a bill they say I owe to a dental company i have never been to, in addition this XXXX company has sent me bill for other people and then a bill for me showing a XXXX balance. They bought this " debt '' from another XXXX and mixed up patient ledgers and do n't know what patient had what work done, but because I have a similar name to one of their patients sent me the bill. They refuse to send me original patient ledgers for this " XXXX '' they keep sending me ledgers from the XXXX office who I have never been too. I have also sent this collection company a letter to not call me by phone and they called me today XXXX/XXXX/2015 from phone # XXXX. They refuse to provide me with original ledgers from my real XXXX showing what work was really done in my mouth and keep sending me a fake ledger from another XXXX office i have never been too.
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (SC)

XXXX/XXXX/15 -- I sent a letter to my mortgage company, PHH, requesting autodraft out of a new account. I included a voided check. 
XXXX/XXXX/15 -- letter was received ( according to PHH offshored customer service ) XXXX/XXXX/15 ( approx ) -- called PHH XXXX customer service to confirm XXXX -- letter from PHH, received by me, confirming the changeXX/XX/XXXX -- autodraft made out of WRONG account ; my bank assesses me {$35.00} NSF feeXX/XX/2015 -- I immediately call PHH customer service to alert them ; request refund of the {$35.00} ; told to write a letter and fax to them, requesting refund. Also I request a letter of apology that I can take to my bank and have placed in my fileXX/XX/2015 -- faxed letter as XXXX -- received generic customer service letter providing contact info for United States based representative, and inviting contact for further resolutionXX/XX/2015 -- called and left message with US based customer service rep ; no responseXX/XX/2015 -- emailed same US based customer service repThus far, have not received the {$35.00} refund I requested, nor have received the apology letter requested for my file at my bank. 
On XXXX/XXXX/15, I requested the offshored customer service to have some one from the US-based corporate office call me ; has n't happened yet.
Consumer complaint received 2015-08-13
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Arbitration Forum (AZ)

I 've reported these people before. Called at XXXX XXXX. 

Here 's the message they left : This message is for [ uninteligable ] regarding file number XXXX This is XXXX XXXX XXXX now serving final legal notification. Failure to respond within the next XXXX hours will result in you forfeiting any and all rights for about restitution. Your case will be forwarded out to your local jurisdiction to be prosecuted to the fullest extent allowed by state law. If you wish to prevent legal action is imperative you contact the filing department at XXXX [ message ended ].
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Originally, I had good credit that afforded me, my husband and son the opportunity to become first-time homeowners in XXXX. Prior to divorcing my husband in XXXX XXXX, I refinanced XXXX XXXX to buy him out of the property and to get his name off of the deed. While in an adjustable arm, I began to experience financial hardship and refinanced again XXXX XXXX and ended up putting all of my equity in my home making bi-monthly payments to bring my loan down from {$230000.00} to {$210.00}, XXXX. Eventually I was assisted by an attorney ( XXXX XXXX ) to apply for a modification which took my payments from {$1600.00} to {$1200.00}. After waiting 33 months to be modified by BOA ( XXXX XXXX XXXX ) I received a savings of {$100.00} instead of the original savings of {$350.00} per month. I believe at some point during another review of required documents submitted again XXXX XXXX, my income as a XXXX was inflated and calculated incorrectly. Not understanding how this could happen after BOA foreclosed on my property while still in a work-out process, the foreclosure was rescinded upon the banks error as long as I accepted and their in-house modification with new monthly payments of {$1500.00}. From XXXX, it was difficult to keep up with payments, so I was encouraged to put my home up for Short Sale which was approved by the bank XXXX XXXX. After several weeks of no activity, my realtor was asked by a new negotiator to submit and upload additional docs to XXXX. In doing so, my realtor obtained documents from BOA that I was approved for a Short Sale process again on XXXX XXXX, XXXX and we had 14 days to submit any requested documents. Not informed by my realtor of a foreclosure date and following professional advice not to make payments during the process, my home went into foreclosure the very next day on XXXX XXXX, XXXX. I am made aware of the foreclosure by the office of XXXX XXXX. XXXX in a letter dated XXXX XXXX, XXXX and told I need to vacate my property. With no where to go and not sure of my options, I was pleased when my realtor was asked if I wanted to keep my property. I responded yes and have been back-and-forth contacting Bank of America while sending correspondence to a representative of XXXX XXXX and the Law Office of XXXX XXXX. XXXX to obtain a fore-closure rescission. After seeking legal advice Fri. XXXX & XXXX, I discovered that I should have been approved years ago for a HAMP because I qualified based on federal guidelines. Yesterday, evening XXXX/XXXX/XXXX, I received a random phone call from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the intake representative advised me to file a complaint through this website because I appear to be a victim of unfair practices and deserve a proper modification.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

I sent a request to have one address and be address only on my credit reports. My new address was updated but the other addresses have not been deleted. 

The only address that should be on my credit reports is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. 

No other addresses should be on my report.
Consumer complaint received 2015-08-13
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

WellsFargo is the ONLY lender that requires a subordination agreement from a XXXX mortgage. After being underwater and Foreclosured for a few years I have finally been offered a Modification and I started making payments in XXXX 2015 just to find out that the Modification ca n't be final unless this subordination is signed by XXXX XXXX ( my XXXX mortgage ). My XXXX is not agreeing to this subordination and this will cause my modification to be cancelled and therefore to lose my home. 
These mortgage practice is denying many homeowners like me the opportunity to keep their very dear homes. It is a practice that should be banned.
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

XXXX XXXX rejected my XXXX Credit card application stating too many credit cards were opened during last 2 years as per Equifax. As far as I know only XXXX credit cards were opened and I usually carry a XXXX balance on all my credit cards since I pay them off right away. As an example if I make a purchase today from my credit card then I pay it off today or tomorrow and my credit score is over XXXX. I am not new to XXXX and already had a banking relationship with XXXX for last XXXX years and own a credit card from XXXX as well which has a XXXX balance. XXXX publish promotions online which I called a bait to attract customers like me reject them giving XXXX stories. I believe I was treated unfairly due to Equifax report and approve my credit card application ASAP since I have a good credit history for last XXXX years.
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX is currently reporting a balance of XXXX on my credit reports. I received XXXX different notice of collection from XXXX different agencies. XXXX sold the account so they need to report a {$0.00} and also tell me who the debt ACTUALLY belongs too. I have attached documentation from each CA and my report still has the balance. They are reporting inaccurate information.. False or misleading representation of debt amount is illegal as well as unfair. If this is not resolved then I risk having XXXX different companies reporting the SAME debt ... the XXXX companies are : XXXX, XXXX XXXX and XXXX XXXX ... These practices are not fair.