davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AL)

I am currently in foreclosure with my loan for my mortgage.with Wells Fargo bank. I am going through a divorce due to XXXX. I have been trying to re-modify my loan for the past couple of months. I have been given the run around so much I feel that wells fargo re entry department is just stalling to get to the sale date. I have supplied the documents over and over again and they keep saying we do n't have this we do n't have that. I am working with a XXXX specialist that is submitting the documents herself and knows that wells have them after I call them a few times they tell me oh we have found the documents they were in another place. My lively hoods depends on this modification. I was denied due to unaffordability. and thy told me in order to resubmit I needed to have a change in my current situation. My mother has moved in with me to help me and and is assisting with her income and they are still giving me the runaround and telling me that they still have to verify that I am eligible for reentry. I have done all that they have wanted several times over and they are still not doing as they have said. I just want to be treated fairly. and given a fair opportunity in this process.
Consumer complaint received 2016-11-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

This is a debt that is from XX/XX/2005. XXXX XXXX insured a motorcycle that was totaled in an accident. They reimbursed me for the motorcycle loss. I no longer had a motorcycle at that point but they continued to auto bill my checking account for a motorcycle that no longer existed. Not to mention that this is 11 years old. Now out the blue this company called Credit Control Services just starts to report this to my credit profile and they expect me to pay them. I did not owe this debt then and I do not owe it now. My credit score dropped XXXX points just because of this company 's dumb actions.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX ( previously XXXX ) Account # XXXX I am writing to dispute the in inaccurate information from the XXXX/U.S. Department of Education that appears on my XXXX, TransUnion and XXXX XXXX XXXX reports that indicate that I have XXXX XXXX payments for XX/XX/XXXX and XX/XX/XXXX. 

The XXXX Department of Education has permanently banned Navient from servicing Direct Loans and other financial aid programs due to XXXX making numerous processing errors, including misapplying payments and harming the credit scores of borrowers which has inluded mine. Now that XXXX loans are with XXXX these proessing errors inluding missapplied payments are again showing on my credit report with XXXX and harming my XXXX XXXX. I have disputed this numerous times to deaf ears. 
XXXX. XXXX/U.S. Department of Education XXXX XXXX show my payment and correct applied payments to loans through XX/XX/XXXX. 
XXXX. XXXX/U.S. Department of Education XXXX XXXX show my payment and proessing errors and misapplied payments to loans XXXX through XXXX. 
Enclosures : XXXX Department of Education Debt Collection Bill XX/XX/XXXX Collection Bill from XXXX XX/XX/XXXX XXXX Department of Education XXXX XXXX XXXX XX/XX/XXXX XXXX Payment History Navient Borrower payment records XXXX XXXX accounts showing 90 day late payments for XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2016-10-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Due to my account being overdrawn on XXXX/XXXX/2016 I was charged a overdraft fee of XXXX which I paid but not right away with no problem due to my error. I received an emailing stating I had until XXXX/XXXX/2016 to take care of bringing my account current or I would be charged additional/extended XXXX which I did on XXXX/XXXX/2016 which was apparently to late. it does not matter to the bank that I was charged the additional even when my account was current the only concern was I had 5 business days to correct and it was not done according to their procedure business day.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have had my credit monitoring account for 2 years and never had a problem with any alerts reported about my credit account. I received an alert back in XXXX of 2016 that XXXX inquiries had dropped off my report. As I have been monitoring my credit file within this last month the inquiries were added back to my credit file. I have called the credit bureaus as well as the credit reporting companies and I keep being told to by both companies to dispute the inquiries with the other. I was never notified in written about the inquiries being reinserted which is violation of the FCRA Part ( A ) ( 5 ) ( B ) ( ii ).
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

I have a notice on my credit report from XXXX XXXX XXXX that a loan that I co-signed for is in collections. The loan was my sister 's and showed up on my credit report after she declared bankruptcy. My dispute is that the l last payment on the loan was in 2008, and the creditor has systematically moved the last payment date to keep the account on my credit rating. This is illegal, and all three credit bureaus have allowed to continue. By law, this should have been removed after 7 years. Repeated requests to both the credit reporting companies and to the creditor for documentation has been ignored -- another violation of federal law.
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

I have a mortage with Amerisave and almost every month when I go to make my payment online, I have trouble accessing my account. One month I had to reset my entire log-in credentials and then it did n't work -they froze me out of my account. Today, I go to make my mortage payment that 's due tomorrow and when I entered my log-in information they took me to a screen that says I need to enter in a passcode they will send me by email. I never received an email so I had to call ( and was onhold a long time ) and then the agent said they were having trouble with their server and I needed to try again tomorrow. I then asked to make a payment by phone but she said there was a fee and when I asked them to waive the fee, they refused. I asked to speak to a supervisor and she refused to waive the fee for taking my pamyent over the phone - I believe they make it difficult to pay on-line so they can receive the pay by phone fee. When I asked her what other option I had, she said to mail in a check - this of course would probably make me late and then they can collect a late fee. I would like to file a class action suit against this company for making it almost impossible to pay on-line and thus they can collect a pay by phone fee. I have another home with a mortgage by a different lender and I NEVER have these issues related to making a payment online.
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

My minor son purchased XXXX car doors for his car over the internet using my Capital One credit card. The doors were supposed to be ready to install and cost {$1000.00}. His installer received the doors and immediately contacted my son and told him the doors would take hundreds of dollars to make ready for installation. Capital One initially refunded the amount. We sent them a letter from the installer saying the doors were not the right color or condition. We sent pictures of the doors also showing they were the wrong color, dented, scratched, and water damaged. There were miscommunications and we had to resend. Then they sided with the merchant for unspecified reasons and rebilled the {$1000.00} on my credit card. I closed the account and paid it off to protect my credit score which is currently over XXXX.
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (TX)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-20
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. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2016-04-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Revenue Corporation (SC)

someone stole my identity information and used it to create several accounts that i have protested because they are fraudulent I have a police report with the information as well as had to report to the ftc id theft affidavit notarized but this company is reporting this on my credit and trying to collect
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (FL)

I have made multiple efforts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized or agreed to have this information linked to my name, as I have been a victim of identity theft.
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (CA)

Good morning. 
I contacted Wells Fargo to get my interest rate lowered on my credit card. I 'm in the process of buying a home and I want to pay the debt down on my Wells Fargo credit card to raise my FICO score and lower my debt to income. I spoke with two reps and both said they were unable to lower the interest rate. I asked why and neither rep offered an explanation. Is there anything the CFPB can do?
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (MD)

Shellpointmtg.com continues to refuse to apply " principal only '' payments to principal. Every month Shellpoint manages to incorrectly process my payments to acquire more money than they are legally entitled to, e.g. charging two months of interest for one month. Shellpoint told me over the phone I can not pay principal only payments via the phone or internet, so I always send them via US mail labeled as " Additional principal '' payments. I abide by this strange mailing restriction. However, Shellpoint has consistently wrongly applied these payments into extra interest by including them as second mortgage payments for the next month. They told me they would not do this again and they noted in my file to apply extra money towards principal. Nevertheless, in my XX/XX/2016 statement, I see many errors again. Shellpoint " fixed '' my $ XXXX principal only payment from two months ago by postdating it to the end of the month instead of the beginning when they received it to ensure I would pay more interest ( their standard operating procedure it seems ). They also applied my extra principal $ XXXX for my XX/XX/2016 payment to " partial payment unapplied '', put into a separate suspense account. Doing this consistently every month is VERY BAD! Shellpoint MUST learn how to legally process principal only payments. So the $ XXXX is applied too late and the $ XXXX is sitting in limbo, not counting towards principal. Sending principal only payments is a very common thing to do, so all mortgage companies should know how to process them. I ca n't keep begging Shellpoint every month to apply my money the way I specify in the payment stub. How can I get legal and fair treatment to resolve this?
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information. 

Thank you for your assistance.
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY (NY)

Started the mortgage assumption process 4 months ago with Wells Fargo. At the beginning I was told it would be 2 months, it is now 4 months and they can't give a date. The representative keeps telling me how busy and short staffed they are. She said it XXXX be another 2 months, but there is nothing definite. I had been conditionally approved. But I think due to the time, I will have to resend everything all over again. I believe it is all in an effort to have me give up.
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Quality Loan Service Corporation (CA)

Quality Loan has a sale date on my home for XX/XX/XXXX16 yet my lender XXXX Mortgage claims the date has been postponed ( false ). Quality claims they ca n't postpone unless the servicer ( XXXX ) postpones it and they have not got the ok to stop it, even though I am in a LOAN MODIFICATION. This fraud and deceit of stealing my home and millions of others, still persists and your agency CFPB and others have not put a dent in it, get off your behinds and start helping homeowners like myself who are at an age where we do n't need this type of unnecessary stress.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I got an email from TransUnion [ TU ] stating, " Show me my score now. ' When I clicked on it, it gave me an erroneous score of XXXX, down from last month the last time when it was XXXX. I called them and they told me that there must be negative factors and they have a different score than XXXX. I check my score every month thru XXXX XXXX which lists my TU score at XXXX. I also checked with Free Score Online, which also lists the score at XXXX. Even the TU website lists my score as XXXX -- so the question is, which score does TU give out to inquiries, the emailed score or the internet score and why is there a discrepancy between the XXXX? TransUnion has no reason to list my score as XXXX.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am demanding written proof of me as the original creditor giving you consent to furnish this negative inquiries XXXX XXXX XXXX XXXX XXXXXXXX, XXXX dated back to XXXX and XXXX on my credit report without my consent and refusal to remove this inquiries is now consisted to willful noncompliance with the FCRA laws. This is defamation of character. THIS IS VIOLATING 15 U.S.C 1692 e.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

1. Since XXXX XXXX, I have disputed an unauthorized charge with Capital One for {$630.00} ( which has now increased to {$870.00} with interest ). 
2. The transaction was initiated by a local mover, XXXX XXXX XXXX Maryland. 
3. The mover was given my credit card number to " hold '' my spot for a specific moving date. ( XXXX ). 
4. XXXX provided a quote but no bill of lading, as they are required to do. They provided only a quote, which says on page XXXX XXXX attached ) : a. " Payment type : Balance due to be paid in cash only, at destination before relinquish goods and values. '' ( attached ) 5. Upon conclusion of the move on XXXX, I paid the XXXX daylaborers in cash -- and I even withdrew extra ( Bank verification attached. ) so that I could include tips. 
6. I asked for a receipt, which they are required to provided, and they refused to give me one. I just wanted them to leave, so I let it go. As a single mother, it is intimidating and scary to have XXXX XXXX and their XXXX day helpers demanding payment and not leaving until they were paid. 
7. After the movers departed, XXXX XXXX charged my CapOne card again -- so I paid twice. 
8. I reported it immediately to Cap One. No due diligence was conducted as required by FCRA. 
a. CapOne ignored the papers and receipts sent previously. 
b. Since then, I have sent numerous letters and called many times to request proof that due diligence was conducted. They offered NO proof the charge was authorized!! 
c. When I call CapOne -- there is no one I can speak to about this account to resolve the issue. The call center staff have said the issue is too dated and ca n't help me. Each time I wrote a letter, they wrote back and said the account is in dispute as recently as XXXX XXXX, but nothing has been resolved. 
d. I 've sent the baclground information to them five or six different times to date. 
9. Because of CapOne 's negligence to conduct a thorough investigation, my credit has been impacted. 
10. My FICO in XXXX XXXX was over XXXX and because CapOne has now placed this outstanding amount in collections, my FICO is below XXXX. 
11. Now the collector is taking me to court and incurred legal fees.
Consumer complaint received 2016-10-31
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OH)

I recently applied to my mortgage lender, Wells Fargo, to have PMI removed from my monthly mortgage payment. I paid Wells Fargo {$100.00} to have a Brokers Price Opinion performed with the understanding that since I had not made any structural improvements the LTV % would need to be XXXX % of the BPO or lower. When the BPO came back, I was at XXXX % and there was no letter attached stating my options. I called WF and asked about the options. They explained the options including that if I did nothing the PMI would be removed when the LTV hit XXXX % of the BPO which would be in XX/XX/2017. A few days later I received a letter from WF with my options and the above option was not listed. I called today to get clarification and they now say that the option explained to me was not correct. I want them to live up to the option they described on the phone!!!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This morning, I was shocked to find incorrect accounts on my credit report, and I can't understand how they got there. I routinely check my credit report, but this time, discrepancies appeared out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the incorrect accounts remained. This issue has left me extremely concerned, and I'm requesting that the documents I've sent be reviewed thoroughly so I can finally stop worrying about this.