davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (FL)

I refinanced my loan in XX/XX/XXXX with Wells Fargo, who is the same mortgage company that I used when I purchased my home in XX/XX/XXXX. Because I had made my payments on time and did n't walk from my underwater house like most others, I was eligible for the harp program. I went through the process and refinanced at an interest rate of 4.625 %, which was 1 % higher then the market rate at the time. My loan XXXX told me that the HARP program carried higher rates because of the risk premiums due to the home being underwater. I was also told by the loan XXXX that I had to use Wells Fargo for the refinance because only the current mortgage holder could refinance under the HARP program, so, I had no ability to shop. The refinance still made sense financially at the time so I proceeded. I received a call recently from that same loan XXXX informing me how low rates are and offering to refinance me. When I explained to him that he already refinanced me under the HARP program and that my understanding was that we could not again he indicated that he never used that program for me, rather, he used an internal program that wells fargo created that was similar to harp. He must have forgotten all of the lies he told me originally. I explained to him that my home is still underwater so a normal refinance would not work unless they had a similar program they could refinance me. He agreed and said they do not have any programs that could refi me if I am still underwater and that HARP could not either because my new loan was originated after XX/XX/XXXX. So, I was misled and deceived to believe at the time of my refinance in XX/XX/XXXX that I was refinancing under the government program HARP and had no ability to shop so had to take what they were giving me only to find out that it was a made up program so wells fargo could make as much interest on me as possible. I am a business man and understand the importance of maximizing your profit, however, This program was created for those who were doing right thing and making their payments on time, despite the fact their home was over 100 % underwater, to help make things affordable. I could have just as easily walked away like most other did and stick them with my house that is still underwater by XXXX. But still, I was offered a rate of 1 % over the market rate at that time and am now stuck in this loan because of their deceiving practices because I am still underwater. This program was to help the American consumer but wells fargo still found a way to take advantage of me. I have dwindled most of my savings to keep up with the payments and am simply asking for Wells Fargo to do the right thing and refinance me ( not modify ) at a 3.625 % rate, which is the rate I should have been offered and closed at in XX/XX/XXXX. If they were able to refinance me before under a program they made up that was similar to harp, then they should be able to do the same to make this situation right
Consumer complaint received 2016-07-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (SC)

Franklin Collection Service Inc has listed the same account 2 times on my XXXX credit report stating I owe them money from XXXX. 

This debt does n't exist. I do n't owe the Dr. office any money they are " supposed '' to be collecting for. They are trying to collect on debt that does n't exist. 

Also the Statute of Limitations in South Carolina for open and written contracts is 3 years. This non existent debt is pass the statute of limitations. Plus it does n't exist in the first place. 

Franklin Collection Service Inc is in of violation the Fair Debt Collection Practices Act and in violation of the Fair Credit Reporting Act for actively trying to collect on a debt that does n't exist and actively trying to collect on a debt that is pass the Statute of Limitations. And for knowingly and willfully listing inaccurate information on my credit report. 

XXXX. Creditor : Franklin Collection Service Inc Account Number : XXXX 2.Creditor : Franklin Collection Service Inc Account Number : XXXX Please make Franklin Collection Service Inc delete these XXXX accounts from my XXXX credit report
Consumer complaint received 2016-11-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo : Mother died in XXXX of 2016. In her belongings was an inactivated credit card. All her accounts were closed and notice of her death provided by the end of XXXX. In XXXX a credit card statement was received with a " XXXX balance ''. XXXX separate phone call attempts were made to a number given to deal with the credit card. Each time the automated voice comes on and states " no one is available to answer your call '' it gives the hours of operation. The calls were made within those hours and days. A call was then made to Wells Fargo Customer services. Which said it had to be handled by the credit card services and I was transferred to a person ( XXXX XXXX XXXX ) who said she could not access that account and sent me to a third number which answers with " no one is available to take your call '' and it just hangs up.
Consumer complaint received 2017-03-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MA)

I wanted to make an extra payment to paydown the principal on my student loan. My autopay comes out the XXXX of each month. On the XXXX I logged into the AES website to make an extra payment of {$5000.00}. During the payment process I did not get the option to determine how i wanted my payment applied ( paid ahead vs paydown ). I only had the option of which loan ( I have XXXX ) to apply. Months ago I had spoken with another representative that told me I could make additional payments at anytime and it would not interfere with my autopay. Since this company lies after making the payment I emailed the company to confirm how my payment was applied and if my autopay was affected. I got an email back confirming that my autopay was not affected and that my payment was PAID AHEAD. I got this email on XXXX. I called on XXXX to ask why my payment was paid ahead and not processed as a payment. The rep told my I had to request paydowns IN WRITING THROUGH THE MAIL. It 's 2017. I should not have to request a paydown in writing. My XXXX other loan servicing companies do not request this. AES 's payment screen is both limiting and misleading. No where on the payment screen or in their payment processing conditions does it indicate that a paydown must be requested in writing. On XXXX links located on the payment screen AES indicates that this is the payment application : Accrued interest & gt ; Late fee ( if applicable ) & gt ; Current principal balance.
Consumer complaint received 2016-05-19
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

At few years ago, due to a family death, I requested my mortgage company to allow me to miss a payment so I could attend my sisters funeral out of state. I was told that I could do a remodification ( but could not make a payment for 3 months ). I explained that I could make the 3 payments but, I was told during the modification, I would not be allowed to make payments, that the company will notify me when my next payment would be do. This has caused a big bite out of my credit report. I need your help in getting this removed.
Consumer complaint received 2016-05-20
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I recently tried to sell my car at XXXX in XXXX. The car loan has been paid off for several months, maybe even a year ( I ca n't remember the exact date when I paid it off ). The car was originally purchased in XXXX & the title is from XXXX. The car is currently registered in XXXX & when XXXX looked it up in the dmv system they said it still shows that the car is owned by Nissan and that they needed a notarized letter from Nissan stating that the car was paid off. When I contacted XXXX finance and asked for a notarized letter they stated that they do n't handle lien releases and that I would have to file the request through XXXX. I did exactly as I was told and after paying {$45.00} for an expedited request, I received the lien release almost 2 weeks later. The actual document is not notarized and therefore not accepted by XXXX. It looks like something I could have produced on my home computer. During my 2 week wait for this lien release I contacted Nissan again because the request was taking too long. They said they would send me a letter but it would not be notarized. At this point I am running out of options. I ca n't sell the car because Nissan is n't willing to provide a notarized letter. The car legally belongs to me, after all it 's been paid off for a while. I do n't know what else to do but this is costing me too much time and money.
Consumer complaint received 2017-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of  XXXX   2014  90 days past due as of  XXXX   2014    60 days past due as of  XXXX     2014  30 days past due as of  XXXX   2014    I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

In XXXX 2015 I applied for the XXXX XXXX XXXX Rewards Gold Credit Card. After nearly XXXX weeks of waiting I never received a credit card, and never activated a credit card via phone or americanexpress.com/activate. I was told on several occasions a card was being shipped to me only to find out XX/XX/XXXX, there were never any shipment created or tracking numbers in their system. At this point I cancelled my Everyday Cash Preferred card and told them I will not be activating any XXXX Gold Credit Card I received. 

XX/XX/XXXX, I was in search of another credit card and decided to try the XXXX Rewards Gold Credit card again, as there was a sign up bonus of XXXX XXXX ( XXXX Rewards points ) if you spent $ XXXX in three months. It was available to new/first time users of the XXXX XXXX Rewards Gold. I applied for the credit card and upon receiving my card, AND before activating it, I called XXXX XXXX to confirm if I would be elligible or not for the discount per my prior situation. If I was not, I was not going to use the credit card. The customer service agent said I was eligible for the card, as long as I met my spending. I asked the gentlemen are you certain and he said yes. 

Three weeks ago I e-chat XXXX XXXX to inquire if I met the spending limits and if the points were going to be granted to my account since I met the spending requirements. It was at this time the online agent told me I was not eligible for the discount due to previously having the card. I explained to them, that I applied for the card and never activated it due to several errors on XXXX part which ended up we me never receiving a credit card to use. The agent then said well you are not eligible and should have checked. At this point I explained that I called on the day I received the credit card to ensure I was eligible and the representative told me I was. After an hour of back and forth, they created a case for me with an indefinite amount of time to hear back. 

The credit card has a {$190.00} annual fee, which I am not comfortable with paying given this horrendous customer service. Nearly a month to investigate a simple issue is ridiculous, and not on par with their competitors namely XXXX and XXXX XXXX service.
Consumer complaint received 2017-07-20
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CT)

On XXXX XXXX,2017 I submitted a formal request to have Citibank NA and XXXX XXXX ( collection agency ) validate the alleged debt and information appearing on my credit report ( XXXX ). Citibank account number XXXX, alleged amount owed XXXX. I wrote the request within the 30 day period as requested by XXXX XXXX, the collection agency. On XXXX XXXX, 2017 XXXX management wrote a confirmation letter of the receipt of my request to validate debt and all information reported by Citibank on XXXX. See attached docs. It is now XXXX XX,2017 and Citibank and XXXX XXXX have failed to provide me debt validation and validation on the information reported on XXXX. This is a violation of FCRA and the account should be removed immediately due to their failure to provide proper validation as required by the FCRA. I have disputed this many times with Citiback and XXXX. If they are unable to provide documentation proving their information is accurate the account should be permanently removed from my XXXX credit report. Letter and tracking attached.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MT)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2017-03-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

We completed a trial modification in XX/XX/XXXX that we were offered through Select Portfolio Servicing. SPS took 90 days to finalize the modification and then changed the terms of what we were offered in the trial. We were offered a Home Affordable modification. SPS sent a letter stating that they offered that incorrectly and offered an in house modification. We submitted 2 more payments in addition to the 3 trial payments in XXXX and XXXX. SPS sent us permanent modification documents and requested we return them by XX/XX/XXXX and the first payment would be made on XX/XX/XXXX. We returned the paperwork and made the XXXX payment. We are waiting for SPS to finalize the modification. We requested principal forgiveness because the house is not worth the amount of money. XXXX XXXX is the noteholder and is refusing to honor principal or interest forgiveness. SPS did 3 different appraisals. In XX/XX/XXXX, the house was appraised at {$440000.00}. In XX/XX/XXXX they appraised the house at {$740000.00}. The house could not have gone up {$300000.00} in 6 months. We received a notice that there is a status hearing on XX/XX/XXXX at XXXX. We have submitted all this paperwork to the court. Now we may have to have the additional expense of hiring a lawyer.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2016-05-20
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Holdings LLC (HI)

Credit Denial, see XXXX/XXXX/XXXX letter attached ; based on low Appraisal, low AVMs valuations. No Adverse Action Notice sent. Communication denied. 

CFPB Dodd Frank law violations, which say regulatory violations are to be tracked and a root cause analysis done when violations are noted. 

Consumer is not allowed to question {$700.00} Report he paid for. See XXXX-page attachment, including my XXXX/XXXX/XXXX email to Lender 's President. 

Mine is a XXXX single-level home, on concrete slab foundation ; Comps XXXX and XXXX are steep XXXX-story homes, on stilts. Comp XXXX has XXXX-foot tall posts holding up living room and basement balconies ; home hangs off a narrow mountain edge. 

Calculation errors : Comp XXXX sale {>= $1,000,000} ; sold {$450.00} sf GLA, not {$730.00} sf GLA ; main floor XXXX sf, basement XXXX sf, total XXXX sf ; see Comp Comparison page. Appraiser falsely lowered my value with - {$240000.00} basement adjustment. 

See XXXX aerial of XXXX Comp XXXX, versus my level lot XXXX aerial, XXXX topo-rendering marked Comps ; attached. 

Did n't value " functional utility '', XXXX XXXX most important requirement ; XXXX is " location '' XXXX is " physical '' similarities. 

Did n't value " view '', an important buyers ' feature in XXXX XXXX XXXX XXXX XXXX ii, XXXX, XXXX homes. 

Comp Sales Time Period is to Short, using homes sold past 45 days. My XX/XX/XXXX Appraisal used 9-month old Comp. 

Lender determined Appraisal had expired ; see Letter XXXX/XXXX/XXXX, in XXXX-page attachment. 

No Expiration Date in XXXX Form XXXX XXXX XXXX Appraisals ; mine say borrower can rely on Report, and use it for another lender. XXXX/XXXX/XXXX case attached. 

Land is the value in my 40+ year old subdivision, not old homes. XXXX sf level land area, XXXX feet wide, sold {>= $1,000,000}, old XXXX-story home torn down to XXXX wall, XXXX XXXX XXXX, XXXX sf level area, balance vertical, sold {>= $1,000,000}, home torn down, XXXX XXXX XXXX. 

Lender 's appraisal management company is in violation of XX/XX/XXXX CFPB Dodd-Frank Mortgage Rules. XXXX said " we are obligated to guidelines of the Dodd Frank Act, and we are mindful not to over-impose on the appraiser independence to the point of retribution '' XXXX/XXXX/XXXX email attached, thus wo n't discuss anything.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

This has been going on for over one year with myself trying to get information off my credit that is either not mine or reported incorrectly. I can go on and on and on!!! There is something on my credit now that is n't mine and I am getting ready to lose my deposit because they wo n't take it off. I 'm am getting ready to sue them for lost time and aggravation of my life.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2017-07-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

I do not have a signed contract with  Ability Recovery Service. I  have never done business with this company. I am not liable for collection from this debt from  XXXX   XXXX . I am not responsible for this debt with  Ability Recovery Service .
Consumer complaint received 2016-08-13
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Nationwide Biweekly Administration, Inc. (CT)

After purchasing our second home, we were solicited by Nationwide Biweekly Administration , Inc. and offered a lifetime membership with them for a fee. They were to provide a service that paid our mortgage bi-weekly promising to payoff our 30 yr mortgage in 23.9 yrs. They also promised to conduct an annual audit of our mortgage company 's accounting for our mortgage yearly, upon our request, AFTER the anniversary date ( XX/XX/XXXX ) each year. Having XXXX homes, we agreed to sign up for both our mortgages on XXXX/XXXX/14. As the first year of service was approaching, we began getting bombarded with notices that a third party bank would no longer do business with them and through no fault of their own, they temporarily could not continue to provide services in accordance with our contracts and they could not refund any portion of the fees ( {$740.00} & XXXX ) b/c it is a lifetime membership. Attempts to contact the company were not successful. We began getting & continue to get further solicitations for another product they offer called XXXX XXXX XXXX and these advertisements compare the savings of their XXXX XXXX program, costing {$2600.00} to {$4900.00}, to their biweekly program and they state the biweekly program only takes 4.2 years ( 50 months ) off the term of the mortgage. The original solicitations in 2014 for the their biweekly program stated the program saved 6.1 yrs ( 73 months ) off the term of the mortgages. The current offers for the XXXX program starts with, " We hope to have your biweekly program reactivated soon. '' then it ends with saying they will give us credit for the fee we paid for the bi-weekly program to be put toward the fee for the XXXX program ( {$2600.00} to {$4900.00} ). This is fraud and this company is getting away with ripping off a lot of people.