davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NJ)

I was approved for a loan modification, however the figures used were incorrect. I asked the bank to please relook at the figures before I committed to a loan modification. Bank states this is what they have on the financials for me Gross pay {$14000.00} Net {$10000.00} {$6800.00} - Extra income to work with each month. ( Wrong ) My actual income gross monthly is this : XXXX {$5800.00} Gross XXXX {$3000.00} Gross I was told by the bank that the foreclosure sale on XXXX.17 would be postponed while this was appealed.However the court docket shows as follows : Sheriff # : XXXX-XXXX Court Case # : XXXX Sales Date : X/X/2017 Plaintiff : M & T BANK Defendant : XXXX XXXX. XXXX, XXXX AKA XXXX XXXX XXXX XXXX , AKA XXXX XXXX XXXX, XXXX, ET AL Address : XXXX XXXX XXXX XXXX XXXX NJ XXXX Approx. Upset* : {$240000.00} Attorney : XXXX XXXX  XXXX, XXXX Attorney Phone : XXXX Status History Status Date Amount Name Scheduled X/X/2017 {$0.00} Plaintiff Buy Back X/X/2017 {$100.00} M & T BANK When I call the bank they state the home did not go to sale but will not instruct XXXX XXXX to correct the recording with the courts.
Consumer complaint received 2017-03-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

On XX/XX/XXXX I mailed out XXXX money orders to the Ocwen processing center in XXXX Texas. One for {$1000.00} another for {$580.00}. The money order for {$1000.00} was received and processed. The {$580.00} money order was not. I assume they must have been stuck together. I contacted customer service and they stated that payments received on Saturday 's are processed by machine. I contacted Ocwen 's research department, but they could not find the money order. I contacted Ocwen 's ombudsman office and spoke with XXXX. I told her that the post office has a 60 day policy for investigating whether or not the money order had been cashed. This was XX/XX/XXXX. During this time period of 60 days XXXX tells me to continue making payments until the investigation has concluded. I make a payment for {$1500.00} on XX/XX/XXXX which was received and noted to my account on XXXX XXXX, XXXX I receive a check from the post office on XX/XX/XXXX I mailed the {$580.00} amount along with a payment of {$1500.00} these payments were returned with a letter stating insufficient funds for reinstatement. From XX/XX/XXXX- XX/XX/XXXX I tried to contact XXXX but she does not return my calls. XXXX weeks have gone by. I speak with a rep in the ombudsman office and tell him my concerns. He states that possibly they can contact the cashier office, and bring the account up to date. He would have to talk to XXXX about this matter. XXXX weeks have passed finally I get to speak with XXXX. I explain what her associate tells me. XXXX ask what would I like for her to do? I suggest what her associate told me about updating the account. I mention to her about our conversation of the postal money order and the 60 day period, and the post office letter that I faxed to her. She says she would see what she could do. XXXX days later I get a response from her stating there is nothing she can do, the account is in foreclosure.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In the last few months I have contacted transunion in regards to an inquiry on my credit report that was never approved. I have been told that I would need to contact the company that the inquiry was sent from. When I contacted the company I was made aware that they did not have any record of my information and could not provide proof that an inquiry was acquired through them. They me that transunion would have to remove the inquiry. Today after learning about a glitch that transunion had with their system around the time that the inquiry was placed on the report I called and spoke with XXXX XXXX in the Special Handing Department in Pennsylvania. I made him aware of the run around that I have faced and that the inquiry was placed on my report during the time that the glitch with the system occurred. I made him aware that the company in question did not have any record of me inquiring service with them and that I personally never did. He informed me that there was nothing that could be done even though the information was in fact false. The inquiry listed on my report states " XXXX ''. <P/>There has also been recent inquiries that were never authorized by me in XXXX 2017. I placed fraud protection on my credit report a requested that these inquiries be remove as well. Transunion response was that " moving forward the fraud protection will help protect me, but the present inquiries would remain ''. That is even if they were not approved by me.
Consumer complaint received 2017-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (MD)

On XXXX XXXX, I paid an amount of {$500.00} to Municipal Services Bureau which was the amount owed at the time. I looked at the account 4 days later and it said I owed {$3.00}. When I called to ask what this charge was they say it was an interest charge that accrued on the XXXX of the month. I called to have them rectify this since I paid the full amount due on the XXXX and they told me that management would reverse it. It still has not come off of the account and still shows up on my credit report. I requested it be reversed and that they send a paid in full in full statement.
Consumer complaint received 2017-07-13
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 — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

In the process of obtaining a 7-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies. Contained therein was an account for Nissan Motor Acceptance under account number XXXX. <P/><P/>Vehicle purchase in XX/XX/XXXX - it was traded in without a single delinquency in XX/XX/XXXX. With that said, the XXXX, XXXX and XXXX credit reports each contained 1 single 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/><P/>I disputed the erroneous late payment with Nissan Motor Acceptance, in addition to XXXX, XXXX  and XXXX. It was my contention that this account was never delinquent. <P/><P/>On or about XX/XX/XXXX Nissan caused this account to be " updated '' at the XXXX, XXXX and XXXX to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/><P/>My credit score at the XXXX, XXXX and XXXX consumer reporting agencies immediately dropped more than 90 points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/><P/>I contacted Nissan, in addition to XXXX, XXXX and XXXX to report the error. Nissan Acceptance advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/><P/>I entered a dispute on XX/XX/XXXX with XXXX, XXXX and XXXX but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.
Consumer complaint received 2017-07-13
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. (FL)

In the process of obtaining a XXXX-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the XXXX, Experian and XXXX consumer reporting agencies. Contained therein was an account for XXXX XXXX XXXX under account number XXXX. <P/>Vehicle purchase in XX/XX/XXXX - it was traded in without a single delinquency in XX/XX/XXXX. With that said, the XXXX, Experian and XXXX credit reports each contained XXXX XXXX 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/>I disputed the erroneous late payment with XXXX XXXX XXXX, in addition to XXXX, Experian and XXXX. It was my contention that this account was never delinquent. <P/>On or about XX/XX/XXXX XXXX caused this account to be " updated '' at the XXXX, Experian and XXXX to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/>My credit score at the XXXX, Experian and XXXX consumer reporting agencies immediately dropped more than XXXX points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/>I contacted XXXX, in addition to XXXX, Experian and XXXX to report the error. XXXX XXXX advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/>I entered a dispute on XX/XX/XXXX with XXXX, Experian and XXXX but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.
Consumer complaint received 2017-07-13
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)

In the process of obtaining a 7-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies. Contained therein was an account for XXXX XXXX XXXX under account number XXXX. <P/>Vehicle purchase in XX/XX/XXXX - it was traded in without a single delinquency in XX/XX/XXXX. With that said, the XXXX, XXXX and TransUnion credit reports each contained 1 single 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/>I disputed the erroneous late payment with XXXX XXXX XXXX, in addition to XXXX, XXXX  and TransUnion. It was my contention that this account was never delinquent. <P/>On or about XX/XX/XXXX XXXX caused this account to be " updated '' at the XXXX, XXXX and TransUnion to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/>My credit score at the XXXX, XXXX and TransUnion consumer reporting agencies immediately dropped more than 90 points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/>I contacted XXXX, in addition to XXXX, XXXX and TransUnion to report the error. XXXX XXXX advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/>I entered a dispute on XX/XX/XXXX with XX/XX/XXXX, XX/XX/XXXX and TransUnion but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.
Consumer complaint received 2017-07-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (TN)

In XX/XX/XXXX I was under XXXX XXXX when the truck I purchased through Santander was totaled. The person ran into me on XX/XX/XXXX on my way to church. The police report number is XXXX. The XXXX XXXX case number is XXXX. I did a substition of collateral with XX/XX/XXXX/under written by XXXX XXXX XXXX. Insurance number was XXXX XXXX. I purchased a new car with the insurance funds. Yet payments was still being payroll deducted from XXXX XXXX XXXX XXXX. Their EIN # is XXXX, payments was payroll deducted. I was laid off XX/XX/XXXX, I was no longer employed with the company to stop payments. My severance packet was continuing to go to the courts and the bank. XXXX XXXX XXXX XXXX XXXX posed as a paralegal with the XXXX XXXX XXXX. I used the money from the insurance to purchase a XXXX XXXX XXXX with XXXX. The vin number on that vichle was XXXX. The policy number on the XXXX XXXX for the insurance was XXXX XXXX. My drivers license number is XXXX, social security number is XXXX. My new insurance policy number was XXXX XXXX XXXX. I was discharge in XX/XX/XXXX from XXXX XXXX.
Consumer complaint received 2016-08-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Andreu, Palma & Andreu, PL (FL)

A joint credit card that my ex husband and I had was sent to a collection agency. I agreed to pay them starting 2009. My ex husband filed bankruptcy but I did not. This credit card was discharged in his bankruptcy case. The collection agency stopped taking payments out of my bank account at that point. Now a new attorney office/collection agency is coming after me for the balance even though it was listed in bankruptcy and paid through my ex husband 's bankruptcy.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I hereby request that Equifax, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), immediately block the information on my credit report that is the result of identity theft and fraud. As mandated by law, Equifax is required to block this information within four ( 4 ) business days of receiving my request.

Despite multiple attempts to resolve this issue with Equifax, I have yet to receive any investigation results. This lack of response and failure to take appropriate action is a clear violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to conduct a reasonable investigation and provide the results within 30 days.

While other credit bureaus have promptly removed these fraudulent accounts upon request ( see attached documentation for proof ), Equifax continues to report this inaccurate and damaging information, which should have been permanently blocked and removed under FCRA 605B ( 15 U.S.C. 1681c-2 ).
Consumer complaint received 2017-07-13
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: EQUIFAX, INC. (FL)

In the process of obtaining a XXXX-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the Equifax, XXXX and XXXX consumer reporting agencies. Contained therein was an account for XXXX XXXX XXXX under account number XXXX. <P/>XXXX purchase in XXXX, XXXX - it was traded in without a single delinquency in XX/XX/XXXX With that said, the Equifax, XXXX and XXXX credit reports each contained XXXX single 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/>I disputed the erroneous late payment with XXXX XXXX XXXX, in addition to Equifax, XXXX  and XXXX. It was my contention that this account was never delinquent. <P/>On or about XX/XX/XXXX XXXX caused this account to be " updated '' at the Equifax, XXXX and XXXX to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/>My credit score at the Equifax, XXXX and XXXX consumer reporting agencies immediately dropped more than XXXX points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/>I contacted XXXX, in addition to Equifax, XXXX and XXXX to report the error. XXXX XXXX advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/>I entered a dispute on XX/XX/XXXX with Equifax, XXXX and XXXX but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.
Consumer complaint received 2017-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received a call from Capital One saying there appeared to be two transactions that required attention from their fraud department. They asked me to send in a picture of my government Driver 's License front and back to reinstate my Credit Card. Since the address on file with them does not match the address on my Driver 's License they said I need to send in a picture of a utility bill AND a picture of my Social Security Number which I do not feel comfortable doing. I think that the picture of my utility bill is enough and the woman on the phone said I only had to send in one piece of ID to reinstate my account. With out reinstating my account I am unable to use my card OR make payments. I offered to not only send in a picture of the name on the utility bill but also a picture of account statement from my bank, all pieces of mail with the current address they have on file. They are completely unwilling to help me with this situation and asking for information that I do not feel comfortable sending over the phone. Here are the two representatives that I spoke to over the phone. <P/>XXXX XXXX ID XXXX XXXX Eployee ID XXXX
Consumer complaint received 2016-05-14
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX an associate of XXXX XXXX XXXX has commenced a series of fraudulent documents to seize my home at XXXX XXXX XXXX XXXX CA XXXX. The last known transaction was created by XXXX. 

The IRS has provided me records confirming that the servicer Wells Fargo Bank N.A . took ledger credits on XXXX which is the day the US Bankruptcy Court discharged the home equity line of credit as unsecured debt - listed on schedule XXXX XXXX also rescinded the World Savings Transaction in XXXX in fear of unrelated party commencing actions such as XXXX XXXX and associates. I also confirmed with Securities Exchange Commission that the XXXX related to XXXX was satisfied with varied sources such as insurance policies. Most recently, Wells Fargo decided to create a new loan number to establish its right along with other debt collector XXXX XXXX to steal my home. 

I would like CFPB to witness the activities of XXXX XXXX first hand as he uses fraudulent documents to take in monies not deserved. So far XXXX XXXX along with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and has stolen XXXX other properties of mine using fraudulent documents - XXXX XXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX CA XXXX. I have attached recent findings of proof of fraudulent documents used by Wells Fargo Bank N.A . and XXXX XXXX XXXX and XXXX used in obtain a writ of eviction and justify getting a Judge - XXXX in XXXX to deny me due process of amending a complaint on XXXX/XXXX/XXXX. These debt collectors are supported by a XXXX XXXX XXXX who sits on the bench while assisting the debt collectors. If you look at my docket XXXX in XXXX XXXX CA XXXX you will see orders issued to the debt collectors which assist the debt collectors seize my homes - The orders are issued nearly 2 years after I obtained my discharge of XXXX and XXXX calls order -- '' a Lift of Stay '' - no such action approved by Congress XXXX XXXX has kept my case open since XXXX in order to obtain some type of clearance from the state related to the XXXX XXXX. 
' Note the date of XXXX 's Debt Validation Letter and his Notice of Default - The Notice o Default is filed premature of allowing me time to dispute his debt - a debt and new account number created by Wells Fargo in attempt to relate to the World Savings Loan which was satisfied according to IRS records and the XXXX records.
Consumer complaint received 2016-06-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (SC)

In XX/XX/XXXX, I received a letter from WELLS FARGO AUTO FINANCE stating they had created a new account number for my auto loan. The vehicle was repossessed in XXXX and subsequently the loan was charged off. I lost my income in XXXX XXXX due to XXXX and no longer able to work at XXXX XXXX. 

They then began reporting BOTH accounts to the credit bureaus showing a balance of {$10000.00}. In XXXX, I disputed with the XXXX and the original account balance was changed to {$0.00}. However, the duplicate account continues to report falsely. This loan was charged-off after the vehicle was repossessed in XXXX.They are reporting inaccurate, false data solely to harm my credit. 

In XXXX, I received a XXXX ( Cancellation of Debt ) and had to file same, as income, with my XXXX taxes. Even the XXXX appears to have errors on it, showing XXXX instead of XXXX ... .and the acct number is different from that appearing on their XXXX letter advising me of a " new '' account number ; for a second account I never authorized or opened. 

Now that have increased the BALANCE reporting to bureaus to {$11000.00} despite showing it as CHARGED-OFF. They also report it as OPEN. I do not, and never did have XXXX auto loans with Wells Fargo. This is 100 % FRAUDULENT reporting! All three major CBRs have documented DISPUTE, but continue to enjoin Wells Fargo in perpetuating this violation of the FDCPA, FCRA, TILA, and Section 166 of U.S. Treasury code 26 CFR 166 ( et al ). 

I am not, nor have I been receiving any statements, as required by law, when interest is being accrued to a loan. This is a violation of Truth in Lending Act. 

WELLS FARGO has wantonly and willfully violated my civil rights, caused me great harm financially, and caused me extensive pain and mental anguish because of their violations and because of their defiance to correct the problems when I disputed them through proper channels.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX {$91.00} on XX/XX/XXXX ( Experian ), {$0.00} XX/XX/XXXX ( XXXX ) Account is over XXXX XXXX XXXX and still listed on XXXX and Experian as XXXX collection account with a balance. Was researched and found inaccurate, and deleted from XXXX THIS IS INACCURATE