davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC. (CA)

ABR Recovery Services LLC refuses to address BOTH accounts they are reporting to XXXX. I will put a complaint out every single day until it is rectified. I will send a complaint to the Attorney General of California until they are federally investigated. I will do whatever it takes from here on out to get these fraudulent re-aged accounts off of my credit profile. 
I am attaching both accounts listed on my credit report that you guys keep changing dates on. I want a FULL explanation of both accounts. When they were opened, when they were charged off and the exact amounts of BOTH accounts. Until I get an explanation of both accounts, and why one the newest account I wasnt notified and just landed on my credit report 2 months ago, I will pursue this until the end. 
PLEASE SEE ATTACHED CREDIT REPORT PAGES SHOWING BOTH ACCOUNTS. SEND ME A COMPLETE EXPLANATION ON BOTH ACCOUNTS AND DATES!
Consumer complaint received 2018-05-08
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (CA)

OnXX/XX/XXXX I called Wells Fargo to get assistance for my XX/XX/XXXX payment for my mortgage loan. I spoke to XXXX XXXX a Home Preservation Specialist with Wells Fargo. I told her my payment was due and that I was out of work for a month due to a XXXX XXXX XXXX.

XXXX XXXX   then said she for sure was able to assist me gave me two different options and one of the options was to commit to a payment arrangement. The payment arrangement consists of splitting the month of XX/XX/XXXXregular payment of {$1600.00} in two payments. First payment in a half of {$2500.00} would be paid on XX/XX/XXXX and the second payment would be paid on XX/XX/XXXXfor the same amount of {$2500.00}. I asked the representative if this would affect my credit and she replied no because they would help me get on track. I felt in great relief with the assistance.

My daughter XXXX XXXX is the cosigners to the loan. My daughter is a XXXX XXXX for the City of XXXX  CA. In the month XX/XX/XXXXI received a call from my daughter the cosigner of the loan told me how upset she was feeling and asking me why I was late for three months on the mortgage payment she stated her credit score dropped about 80 points. At this point her credit was ruined her and possibly not able to purchase another home for her family since she is soon to get married.

I have contacted Wells Fargo several times and have gotten the run around. I spoke to a representative and she was rude just continued to say I was late and would not listen to my concerns and facts. On XX/XX/XXXX I contacted the XXXX XXXX in the external department and asked him to please pull the calls and prove that XXXX XXXX gave me false and misleading information about credit reporting. Wells Fargo has proof of payment plan letter and payments made to them on time per the payment arrangement letter from wells Fargo. I have also contacted XXXX  and XXXX and downloaded proof of the payment arrangement from Wells Fargo and a copy of my bank statement from XXXX XXXX XXXX showing proof that it had been paid on time.

My daughter and my financial future are in Jeopardy. We are not at peace and all we did is trust our mortgage lender.
Consumer complaint received 2018-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

My loan was transferred to XXXX XXXX based on that I applied to the XXXX. I was not told that my graduated plan didn't fit the criteria, from XXXX XXXX. However, they both think it was the others neglect not to tell me. However, both of those transfers went through the Dept. of Ed.
Consumer complaint received 2018-06-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (NY)

My vehicle was repossessed despite making payments on the loan. In fact my vehicle was repossessed just days ( no even a week ) after my last payment. They have unfair and predatory practices aimed at ripping off consumers. I was offered a loan extension but it was withdrawn without my input and claim ( according to email ) that " I no longer was interested '' in the loan extension, after which they quickly charged off the debt. Their practices are predatory, their communications are misleading, and the entire business model unethical.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

XXXX/XXXX/EQUIFAX please see attached documents received from XXXX XXXX in response to the complaint I filed against them through the CFPBs website after they responded to the disputes I filed with each of you respectively that they had validated the ( fraudulent ) account as valid when they had not as well as the complaint I filed against XXXX XXXX today, regardless of their closing the account, because they claimed again that they had validated the debt by receipt of nothing more than a billing statement from the company who allowed the fraudulent accounts to be opened. XXXX/XXXX/EQUIFAX this is now the third time I have disputed these accounts with XXXX XXXX as fraud and have ended up spending months going through the steps to have the fraudulent accounts removed from the my credit reports. First time I disputed the account, I think, was in XX/XX/XXXX or XX/XX/XXXX when I learned about the first fraudulent account that was opened in XX/XX/XXXX or XX/XX/XXXX ; and again in XX/XX/XXXX or XX/XX/XXXX when the second fraudulent account was opened which XXXX XXXX has combined into one account and continue to sell off the fraudulent account to collection agencies and now 2 years later has sold it to another collection agency, XXXX XXXX. XXXX/XXXX/EQUIFAX, I respectively request, that hereafter, per the FCRA and FDCPA, that you prohibit/block any company from putting this fraudulent account on my credit reports.
Consumer complaint received 2018-06-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (GA)

On XX/XX/XXXX, I went online at www.westernunion.com and requested an international Bank-to-Bank money transfer for {$160.00} to be debited from XXXX XXXX checking account and be sent to my brother in XXXX. They promised a 7 day completion time-period. I called them on XX/XX/XXXX and they said the settlement date would be XX/XX/XXXX. On XX/XX/XXXX I call Western Union again and they said that they show that the transfer was completed and to check with the receiving bank. I asked my brother to check and he was told by his bank 's remittance department that no funds have been received and they see this often where Western Union allegedly sends money but does not get to the recipient and it would be hard to get your money back. I called and emailed Western Union several times since and was given multiple cases ( XXXX, XXXX, XXXX ) and promises to investigate with no avail. I final asked for a refund and they stopped returning my emails and I get transferred all around the company when I call and get a new case number each time.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SD)

These two companies were filed on a bankruptcy and not removed from my credit report : 1. Judgement Case Case # XXXX Filed-XX/XX/XXXX Amount-XXXX XXXX-XXXX XXXX XXXX-XXXX -- XXXX XXXX XXXX Court-XXXX Circuit Court XXXX SD 2. Judgement Case Case # XXXX Filed-XX/XX/XXXX Amount-XXXX XXXX-XXXX XXXX XXXX-XXXX -- XXXX XXXX Court-XXXX County Court ( RD ) XXXX  CA Both cases were filed with a bankruptcy and granted at : Bankruptcy Chapter XXXX-DISC Case # XXXX Filed-XX/XX/XXXX Lact-XX/XX/XXXX Atny-XXXX XXXX XXXX Directory- ( XXXX ) XXXX Court-Federal District Court Cases one and two shown above are still on my credit report ; I need them removed so I may purchase housing.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

Hi. I have tried this once before, and if this doesn't help the second time I will take legal action angainst santander. Santander had an old account on my credit report that should have been deleted. As I do not check my credit since these companies are supposed to report accurately, I didn't know they had this older item on my credit. It caused me to be denied for several loans and rack up a lot of inquiries. When I finally found out what was going on, I had the incorrect item removed from my credit, but the inquiries that were left as a result were still present. When I attempted to resume my credit I was again constantly denied, and the main response was because I had too many recent inquiries. This is becoming a pain to deal with. Unfortunately for Santander I am not a poor man and have zero issue spending money for a lawyer and having them pay damages for the lost revenue I have suffered because of their mistake. After my last complaint they sent me a XXXX letter saying they had the right to pull my credit because I applied for a loan through their affiliation with lenders. That's understandable, but I wouldn't be getting denied if those inquiries didn't exist unnecessarily in the first place. I am allowing them the opportunity to correct the inquiries on my profile as they should before I take legal action. I have already retained my attorney and he is ready to move forward as soon as they issue another substandard reply to the situation they caused me with their inaccurate credit reporting practices. I hope there is a peaceful resolution to this as I am a business owner and pay my bills on time. I don't even have a doctor bill on my credit profile. But if not, there will be a resolution. I feel as though, and my attorney agrees, that inaccurate reporting should be resolved and also the issues that arose from the inaccurate reporting should be resolved along with it.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are 4 student loan accounts showing up incorrectly on my credit report. The highest balance on these accounts are {$1500.00}, {$8000.00}, {$2700.00} and {$3500.00}. There must have been a paperwork error as all the rest of my accounts are showing on time. I was in a deferrment period during the times of the lates that are appearing.
Consumer complaint received 2018-05-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (FL)

I am writing to complaint about XXXX XXXX 's servicing of my student loan. Since XXXX of 2018, I have been trying to apply for an Income Based Repayment Plan ( " IBR '' ) with XXXX XXXX. I have submitted more than 4-5 IBR applications. 

I have spent countless hours calling and speaking with the XXXX XXXX XXXX staff, looking into the status of the IBR applications, completing and submitting additional IBR applications, or trying to locate previously submitted IBR applications. 

Each of my calls and document submissions are noted/recorded in their system. 

I have been told countless time that they have everything they need, the application is complete, and to wait 7-10 business days for a response. 

Every time I call back in to check in on the status of my IBR application ( s ), I am told that they either cant find it, I have to check a different box than the employee directed me to check, or they do not know the status and to resubmit. 

It has been almost 6 months and I have no idea what is going on. 

This is causing me much stress and anxiety to say the least. This may also be causing accrued interest to capitalize on my loan. If the latter is also the case, this has not been disclosed to me and I hope it is not because that would mean that I am being punished for XXXX XXXX 's failure to properly and timely review the IBR application, and failure to manage its document collection system. 

I need the CFPB 's assistance as my calls and requests for assistance are being ignored.
Consumer complaint received 2018-06-29
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company (OK)

refinanced house in XX/XX/XXXXwith XXXX XXXX first payment was XX/XX/XXXX, after pulling first payment transferred the servicing of mortgage to Freedom Mtg as of XX/XX/2018. Please see credit report FREEDOM reported the $ XXXX loan XX/XX/XXXX, and loan servicing transfer letter authorizing them to as of XX/XX/XXXX. Freedom MTG illegally reported the loan as of XX/XX/XXXX, XXXX reported it XX/XX/XXXX. As you will see the credit report shows I owe $ XXXX for mortgage on my house. My credit score is in a free fall. I went to get personal loan to clear up the rest of my dept. and was denied because both companies reported I owe them $ XXXX. I am sure I am not the only one this is happening to.
Consumer complaint received 2018-06-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

XX/XX/2018 restructured life of loan to extend. Cancelled auto pay of $ XXXX month to new payment of $ 175 month. Confirmed this was completed. New payment on XX/XX/18 would be implemented. 
XX/XX/2018 inform Navient not to make an error with charge XX/XX/18 get charged with {$470.00}. Call Navient to let them know of mistake. State 3 days for refund. 
XX/XX/18 no refund. Call Navient. They claim this will happen 10 business days afterwards Being overcharged and unapproved amounts taken from.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SUNTRUST BANKS, INC. (CA)

When l checked my XXXX credit report today, l realized that ; SUNTRUST - XXXX company reported a hard inquiry on XX/XX/2018 which l have no idea about.
Consumer complaint received 2018-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (FL)

In XX/XX/2005, XXXX XXXX XXXX, XXXX attempted to foreclose on us, using a forged promissory note. The case was dismissed. Thereafter, 21st claims that through a series of transactions, they acquired the note and mortgage. With actual knowledge of the fact that the documents were forged, they have now refiled a new foreclosure action using the same forged documents. That they filed the forged documents in the official records of XXXX XXXX County, a FELONY. When we learned they were attempting to use the forged documents, we notified them to cease and desist ; and during the 30 day debt dispute period, disputed that the money was owed on the forged documents, and further, provided them with the police 's experts report clearly showing that the documents were forged. They continue to maintain the foreclosure action based on the forged documents after the first case was dismissed AND they refused to respond to the qualified written request, stating that it was too burdensome and therefore refused to answer any of the reasonable questions asked therein, including proof that they paid value for the forged documents, or whether they were aware that the documents were forged, and I provided them a copy of the forgery affidavit along with the QWR they refused to fully respond to. They are in violation of the CFPB 's prohibition against DUAL TRACKING AS WE ARE UNDER LOSS MITIGATION ATTEMPTS WITH THEM IN A REASONABLE EFFORT TO REDUCE THE STRESS ON MY SPOUSE, and while in loan modification negotiations, they served my wife with foreclosure papers, using the forged documents, at her work. They need to be severely punished, and the individuals who suborned perjury need to be arrested and put in jail for committing a felony. Ask them if they knew the documents were forged, If they say no, then show them the attached report from the prior case and affidavit from the forensic expert who is regularly hired by the local constabulary and already a matter of public record and a matter of record in a case that they themselves dismissed. They were aware of the forgery, had actual knowledge of the same, and used the forged documents in a new case. They need to go to jail.
Consumer complaint received 2024-08-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts - XXXX  Acct # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) states that a consumer reporting agency can not include in a consumer report : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) is a key provision of the Fair Credit Reporting Act ( FCRA ) that addresses the responsibilities of entities that furnish information to consumer reporting agencies ( like credit bureaus ).

In essence, it prohibits furnishers from providing information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2018-06-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (MD)

Good Morning, I am having an issue with my flood insurance which is being required by SunTrust Mortgage. I obtained a flood policy from the XXXX for the dates of XX/XX/XXXX-XX/XX/XXXXfor {$720.00}. Suntrust paid this policy to XXXX from my escrow on XX/XX/XXXX. I then had another year of flood policy from XX/XX/XXXX-XX/XX/XXXXwhich Suntrust paid to XXXX for {$720.00} from my escrow account on XX/XX/XXXX. On 6/14/18, nearly two years after the first flood policy Suntrust stated that the zone on the policies was incorrect. They charged my escrow account for a lender placed policy with a charge of {$2200.00}. Because this is 20 months after the policy I can no longer get XXXX to change the zone ( not to mention XXXX has sent several FEMA issued documents stating that we are in zone X which I have shared with Suntrust but they will not acknowledge them ) and I am now stuck paying both the {$720.00} original charge and the {$2200.00} charge for the same flood coverage period. Suntrust is also about to charge me another {$2200.00} for the second policy period. I asked if I could get a refund from XXXX for the {$720.00} since Suntrust will not recognize that policy and they can not since it was already paid. I'm not sure why Suntrust is paying these policies and then coming back years later and saying they are invalid and charging me three times as much for lender placed insurance ( 4 times as much considering I can not get back my payment to the XXXX back ). My escrow account is being severely overcharged causing my monthly payments to increase by a large amount.
Consumer complaint received 2018-06-29
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Servis One, Inc., Titusville, PA Branch (MS)

The representative ( XXXX ) stated that she could not speak to me about my account unless I provided the last 4 digits of my social security number. This practice is inconsistent with request made by the representative who had just transferred my to the representative ( XXXX ). I had already provided my full name, property address, and account number, but the representative refused to move forward. 

This is keeping my account in delinquency longer and is making it difficult for me to resolve the matter.
Consumer complaint received 2018-04-25
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. (FL)

on XX/XX/XXXX i reviewed my credit report an noticed that my dispute reinvestigation dated XX/XX/XXXX was completed and the the inaccurate reported public record [ bankruptcy chapterXXXX ] was verified an remained on my file i contact transunion and spoke with a rep as well as a supervisor and pointed out the documents i mailed in which discredits there verification of this public record and i was told they would reinvestigate if i wanted them to when i clearly proven they couldnt have done there job an remove this from my file its a clear violation of the fcra to keep reporting this i also wrote them and ask for method of verification and had not received anything after i mentioned it to the supervisor i was told she would do a phone verification of the record to satisfy my concerns but stated if she was unable to get the clerk of the court to verify the item would still remain i dont understand how they can get away with this and im demanding deletion of this record of my file