davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (KY)

On XXXX XXXX 2017 my mother XXXX XXXX. On XXXX XXXX, my sister and I went to court to become administrators of her estate. We faxed these documents in to Loancare. We spoke to them on the phone and they told us what we needed to fax in. We faxed in the court documents and the XXXX XXXX. They had my sisters phone number on file. Days went by and we had n't heard anything from them. So my sister called them and they said that they had been trying to call my XXXX mothers cell phone. They did not try to call my sister, and they did not send a letter. These people are lazy. When we did talk to them they said that they did n't have the documents that they needed. I have a read receipt from the fax that proves that the documents were sent and that it did go through. On XXXX XXXX, 2017 I sent the documents again through email. On XXXX XXXX we sent them a check to pay off my mothers house loan. On XXXX XXXX we received an email saying that they received our request and gave us a ticket number. On XX/XX/2017 My sister spoke with them again. They said that they could n't talk to us because they did n't have the correct documents. After nearly an hour on the phone they finally found the documents but said they could not talk to us because they have not processed them! This is their fault for not doing their job.They refused to let my sister speak to a supervisor but she demanded and they finally said that they would have one call her back. These people have made our lives so much harder than what it already has been. They are awful. We have went through enough losing our XXXX year old mother and us only being XXXX and XXXX having to deal with this loss. No one has been compassionate. No one has even been nice. No one has tried to help us at all. Every single person that we have talked to has given us the run around. Please fix this. I do not want anyone else to have to go through the absolute torture that we have had to go through with them.
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (MI)

Please help us save our home.We paid {$6000.00}, that was originally sent to XXXX XXXX XXXX, l paid them thru XXXX XXXX. When asking for a loan modification. 
l do want the ability for the modification loan and especially my {$600000.00}. since my housing counselor,, @ XXXX., has told me should have never been taken from me. l need an answer soon please, since the redemption period is XXXX. 
XXXX # @ Selene Finance Sincerely, XX/XX/2017
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (TX)

American Express did not apply the credits the payments I made and the refunds to my balance due on XXXX XXXX XXXX. I have an American Express Gold card.I 'm a secondary cardholder. I don't know what I owe because my online account with American Express doesn't show my correct balance. I called American Express customer service XXXX XXXX XXXX And they claimed they'd update my balance but it's still not updated. Thanks Consumer Finance Protection Bureau.
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

My servicer, Wells Fargo has sent me a letter ( attached ) in reference to a mortgage modification which I have not requested. This letter makes a number of false statements, and given Wells Fargo 's apparent proclivity for fraudulently managing consumer accounts, my trust in a benign reason for this letter having been sent, and goodwill towards Wells Fargo 's intent is nil. 

In regard to this letter specifically : Paragraph 1 " I 'm writing to follow up with you about your request for a loan modification. '' This is false : I have never requested a loan modification, and indeed, this is a repeated tactic by Wells Fargo when I become delinquent on my mortgage. I have clearly stated on multiple occasions ( including in a similar CPFB complaint see XXXX ) that I do not intend to, a ) default on my mortgage, nor b ) request or otherwise make inquiries to Wells Fargo for the purpose of any loan modification. 

Continuing from the letter : " ... I 'd like to thank you for responding to our request for documentation. '' This is false : I have submitted nothing in regard to a loan modification by any means of transmittal, nor do I, as a matter of course, respond to the continual unsolicited offers and/or notices of loan modifications from Wells Fargo. Let me highlight again that these loan modification " offers '' are always unsolicited on my part. 

The second paragraph refers three times to foreclosure at present no notice of intent to foreclose has been received, nor to the best of my knowledge has the foreclosure process commenced. This paragraph implies that this process has begun, nonetheless. 

As mentioned, this is not the first unsolicited loan modification which Wells Fargo has sent, and invariably the language of their letters implies or states outright that the process is one that I have initiated. I perceive this behavior on the part of Wells Fargo to be harassing in nature. 

Finally, I note that the letter is dated XXXX XXXX, while the postmark ( or franking ) is dated XXXX XXXX, and the letter was received on XXXX XXXX. This apparent retarding ( or pro-dating ) of correspondence has occurred numerous times with Wells Fargo with ostensibly critical communications. I would describe it as a recurrent and perhaps deliberate feature of their behavior.
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (GA)

Upon checking my credit report synchrony bank have a few cart on my report they are not my cards they are not even under my social security number they all were all Open around the same time. They should have knew something was wrong then now I have to deal with this and no one is helping I have disputed with all three credit companies nothing had happened
Consumer complaint received 2015-08-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Like many Americans, I have been laid-off 4 times in the last 6 1/2 years and now even though I 'm employed, I earn about XXXX % to XXXX % of my income at the time I bought my home. After many attempts to get a loan modification from Carrington Mortgages Services, LLC., having the process started XXXX then they switch Cust. Service Reps and ignore you. .. I finally was approved for what they said was a HAMP loan mod. However, the payments they offered where only about a {$100.00} less then my original monthly mortgage payment. So knowing that I would n't be able to keep up with that on my much reduced income, I called and wrote to them for an explanation and a decreased payment. They again ignored all my attempts to communicate. Earlier this year, I began making those required payments, after making 2 payments, I was late on XX/XX/XXXX and told that I was declined for that program. So I asked for them to supply me with the terms of this loan modification ( in writing both in a faxed letter and email ) and again I was ignored ( they never responded ). So I contacted HUD for help from their counselors. I spoke with XXXX XXXX at ( XXXX ) XXXX this month ( XX/XX/XXXX ) to express my concerns of CMS XXXX NOT '' providing me with the terms of my loan mod. Telling her that I could n't afford the payment that they had calculated and I thought perhaps they had altered my income info that I had provided CMS with. I specifically told her that I 'm paid on commission only, therefor my income varys a lot monthly. So after some emails back & forth, she stated that CMS was showing my income at XXXX gross per mo. to calculate my payments. So then I told her that this proves my concern is legitimate and provided an example. Looking at my paystub dated XXXX/XXXX/15 shows a gross of ( XXXX year to date ) Dividing that by 15 weeks = XXXX per wk. multiplied by XXXX then = XXXX annual total.Then dividing again by XXXX = XXXX per month gross income. Obviously this is at " lot '' less that the {$3800.00} per month that CMS stated was my income ( which they used to calculate my payment of the loan mod. ) More importantly it confirms my suspicion that CMS had altered the info I had provided, to suit their outcome. With this now established, I have asked XXXX XXXX ( HUD ) in XXXX emails and voicemail .. how can she help me with this. I still have n't heard back form her. As I mentioned Carrington Mort. Services has not responded to me either. So now I 'm writing to the CFPB for assistance in the matter of this documented discrepancy in the calculation of my loan modification payment. I can provide you with copies of paystubs, emails, and faxed correspondence as supporting documentation to my complaint. All I 've ever wanted through-out this frustrating ordeal with CMS .. is a fair and affordable loan modification in order to keep my home.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed a tax lien on my transunion credit report. The tax lien purports to be from XXXX Superior Court in Georgia. The original tax lien does not contain sufficient personal identifying information to be included in my credit report. Neither my date of birth nor my social security number appear on the original or copies of the tax lien in the county records. I filed a dispute on X/XX/2017 and the dispute was completed by X/XX/2017. However, the information was simply updated and not deleted based on the lack of personal identifying information. Specifically, the tax lien as listed in the report is from XXXX Superior Court, book 148, page 846 in the purported amount of {$850.00}.
Consumer complaint received 2017-10-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ABR Recovery Services LLC. (FL)

ABR Recovery Services LLC, Company 's Response To Whom It May Concern, we have not contacted XXXX XXXX via email nor made calls to him. It must be disregarded that we did not call to make threats about such legal actions that will be taken. XXXX XXXX charge off date is XXXX/XXXX/XXXX, meaning that the Statue of Limitation starts from that date on so it will exceed till XXXX which is the 5 year limit. If XXXX XXXX did pay this collection, if it may please be sent via email at XXXXXXXXXXXX or mail carrier to our office so we can verify this and proceed to take the next action. Thank You for your cooperation. 

In response to complaint XXXX. Charge off date is not the start date of statue of limitations, Statue start Date is from last payment made on account in XXXX XXXX.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

Company continues to willfully report inaccurate information on my consumer report. 

Company has identified me as XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, LA XXXX. 
I have never lived at this address and have called numerous times and disputed this information.. They refuse to comply with FCRA. 
15 US 1681e- Compliance Procedures B Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank reduced my available credit line from {$12000.00} to {$2900.00}. I have a perfect pay history on this ( and all ) accounts. This effectively created a maxed out tradeline, which hurts my credit scoring. I was given no advance warning. This was done because the card was on auto-pay and not utilzed. I am in the process of refinancing my home mortgage and a maxed out tradeline hurts my credit eligibility. 

This practice is inconsistent with consumers ' best interest and harmful to tradeline reporting. This should not be done if tradeline is in perfect standing. 

Wells Fargo refused to restore original credit line without pulling my credit again ( as a hard inquiry ). Pulling my credit as a hard inquiry further lowers my credit rating. 

Very harmful practice to consumers. This is a punitive practice targeting consumers who do n't use the Wells Fargo credit card as often as they would like.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/year> I filed a dispute with Transunion for investigation on an unfamiliar account. Transunion, I guess performed a quick improper investigation on the unknown item American FINANCE. TransUnion sent me the results that they performed an investigation, and the account was deleted from my credit profile. I'm a true victim of identity theft and I provided Transunion with the required documents for this claim. I received an alert from a 3rd party credit monitoring service that the AMERICAN FINANCE ACCOUNT was re-inserted on my report. Transunion has now violated the FCRA by not notifying me of the re-insertion. Please see the law below regarding this violation of deceptive practices by Transunion.

When a credit bureau re-inserts a dispute or previously deleted item back on your credit report without notifying you, it violates the Fair Credit Reporting Act ( FCRA ). Specifically, this situation falls under Section 611 ( a ) ( 5 ) ( B ) of the FCRA, which requires the credit bureau to notify you within five business days of re-inserting the disputed information.

If the bureau fails to provide this notification, it violates the FCRA, which could be grounds for legal action. You may be able to sue for damages under this law, especially if the re-inserted information negatively impacts your credit score or causes other financial harm.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MA)

XXXX is were I pay my mortgage they keeps putting on the XXXX credit company, s that I pay late on XXXX and XXXX XXXX keep sending to Experian letters on the mistake and also XXXX and never gets fix. I have proof that was paid on time. Also XXXX is putting on credit reports hat I owe more than what the balance is. Been send letters about this problem also.nothing is getting done to fix this problem. Hope you can help me.
Consumer complaint received 2015-08-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I have a adjustable rate mortagage orginated by XXXX financal purchased by XXXX XXXX XXXX and serviced by slect portfolio servicing my orginal mortagage payment was {$940.00} a month was raised to {$1100.00}. I had to go through a bankruptcy during the bankruptcy trustree made over {$27000.00} worth of payments on the mortage I have been unable to find out how and where they we applied. I have recived XXXX small settelment payments from the suit the goverment brought forth aginst XXXX XXXX XXXX. It was my understanding that as part of the settlement they hade to offer me a loan modification at market rate.XX/XX/XXXX I entered into a loan modification agreement. Made my XXXX payments totaling {$4100.00} I was sent a modification agreement of {$1300.00} per month at an 8.78 % interest rate when market rates were 2.75-3.25 % I told them this was unacceptable. I told them I would only accept an at market rate as there settlement provided for. I was promised by there repesentive they would work this out. I was asked by slect portfolio servicing to resubmit the modifaction paper work XXXX times which I did then they would switch my loan servicer which the did no less than 16 times from the time I filed the orginal modifaction agreement to the Present Date XX/XX/XXXX. All the while they would say they were missing paper work or it was expired or I would have to start over with a new servicer It got so bad I got my attorney involved and he submitted my paper work no less than XXXX times he always got the same answer as I did something was missing or we got a new servicer.Seeing how I would not go away they tried a new approch they failed to pay my property taxes for 3 years XX/XX/XXXX-XX/XX/XXXX even though they charged escrow for the amounts my home went threw a tax forclosure sale XX/XX/XXXX and I had until XX/XX/XXXX to pay the redemption amount. I notifed select portfolio servicing of this fact the said they were aware of it and would see what they would do. Fearing I would lose my home I paid The redemption amount to save the house on XXXX. They did not pay the taxes and my next communaction XX/XX/XXXX I got was from XXXX and XXXX that they would be foreclosing on my home. I disputed there claim. I have not heard from them seince. These people have done nothing but harass me and tried to use fraudlent means to take away my home. The Federal Goverment has punshed XXXX XXXX XXXX and Slect Portfolio Servicing for this very thing.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (MI)

PayPal has used deceptive tactics to trick me and others into signing-up for PayPal Credit. PayPal Credit then makes it EXTREMELY DIFFICULT TO CANCEL the unrequested and unwanted service. They offer two options : 1. Call their XXXX # - they never answer the line 2. By Mail - this method requires you having your PayPal Credit Account Number. If someone has never used ( i.e., charged something against PayPal Credit ) the service, you have no Statement which is the only means of obtaining the Account Number online. 

This makes it impossible to cancel. They have negatively impacted my credit score which has impacted my interest rate charged when trying to finance large purchases.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Please consider this as my formal complaint to the EXPERIAN for allowing the fraudulent inquiries and for not taking corrections on my credit report. I sent out my dispute letter dated XX/XX/2023, with the identity theft report number XXXX. They also allowed the fraudulent accounts to be reported in my credit file with the identity theft number XXXX. As I checked my credit report these are unauthorized hard inquiries and fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2016-09-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC (MO)

I purchase 2012 Honda Civic from XXXX located at XXXX Mo. XXXX. The finance man XXXX got the worse financing at 28 per cent from American Credit Acceptance XXXX, SC XXXX. XXXX got financing with a credit score of XXXX my credit score is XXXX for XXXX. 
The car was financed at {$7100.00} at {$250.00} for 48 months for total payment of {$12000.00} with my Down Payment of {$2000.00} for the Total Price of the Car {$14000.00}. 
I feel XXXX from XXXX got to be the worse finance man in use car history because I know of no one who has 28 % interest on a car loan. 
I want an investigation into XXXX and American Credit Acceptance. Also XXXX advertised the 2012 Honda Civic for {$7900.00} but in small print that was the price if you paid in cash that was pointed out to me by XXXX the finance man after I informed him they over charged me {$1000.00} for the vehicle. XXXX stated because of my poor credit score the price would be {$8900.00}. 
I want an investigation into XXXX and American Credit Acceptance. 
Waiting to hear from you. 

XXXX
Consumer complaint received 2015-08-20
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

This is in Reference to Case number : XXXX, reported XX/XX/XXXX regardingnot been able to re-financ my mortgage @ XXXX XXXX XXXX XXXX , XXXX, FL XXXX with WellsFargo/American Servicing Company. 
I have researched this issue of claiming that my mortgage is not with XXXX XXXX. 
Please see attached Documents from the " Title Company '' that shows that my mortgage instruments signed on XX/XX/XXXX was with XXXX. 
XXXX Documents attached : ( 1 ) The letter that WellsFargo/American Servicing Company Official sent to me that claimed categorically that the loan is not XXXX ( 2 ) My researched documents from " Title company '' that shows that the mortgage is with XXXX. 
All I want them to do is refinance my mortgage/Remodificagtion to lower my rate sitting at 6.626 % for the past 10 years. 
I should be able to take advantage of HARP program to lower my rate and payment. 
I have contacted other banks, I was told that my mortgage company is the only one that can do this for me, to make it cheaper. 
Note : Could you please help me with this issue. You can see it from the Title company document that it is XXXX. I am not sure why they are telling me it is not XXXX while the document says it is XXXX.
Consumer complaint received 2016-09-15
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (IL)

I had posted an ad looking for XXXX tickets to a concert. I was contacted by someone named XXXX XXXX who had provided me pictures of the tickets and had agreed to send them via fed ex. They required me to send the money via western union in XXXX. I had sent the money and then they stopped responding to my texts. The money was picked up before I could cancel the transaction and the receiver no longer answers my calls or texts.