davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-28
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

It has been 6 month since I contacted Wells Fargo Bank to resolve their unfair credit reporting in XX/XX/XXXX on an account which should had been closed since XX/XX/XXXX. I has been stressful holiday season for my family since I am not able to get a loan to buy a home due to stamen placed on my credit report by Wells Fargo bank. For the last 6 month Welles Fargo bank has been going around in a circle not answering my questions and asking for more time to investigate. Each agent I am getting over the phone giving me different answer. Here is the complaints. 

1- I had a home located at XXXX XXXX XXXX XXXX XXXX CA XXXX. The mortgage on the home was with XXXX. I had sold the home on XXXX. ( attached is document of sale ) 2- Wells Fargo Bank reported me to the credit bureau on XX/XX/XXXX that the home located at XXXX XXXX XXXX XXXX started on foreclosure which was not completed and claims that the home was still under my name in XX/XX/XXXX despite off providing Wells Fargo bank with all document that I had sold the home in XX/XX/XXXX and I had nothing to do with the home in XX/XX/XXXX. 
3- Wells Fargo back mailed me a letter indicating that the Mortgage was paid off in XX/XX/XXXX and the home line of credit balance at the time of sale was XXXX. Still Wells Fargo Bank refusing to correct false report to Credit Bureau. 
4- My questions to Wells Fargo Bank are : a ) How I can be reported as the owner of a home in XX/XX/XXXX with all clear evidence that I sold the home in XX/XX/XXXX? 
b ) How I can be reported as " foreclosure started but not completed '' for a home I did not own c ) Wells Fargo aware that the title company cleared this issue with them on behalf of the home current owner in XX/XX/XXXX not on my behalf. 
d ) There is no way I can be reported to credit bureau for a foreclosure for a property I did not own at the time of foreclosure. If there is any law indicate that I can be reported for foreclosure for a property I did not own I want to see this law. 

What Wells Fargo Bank is doing with me is unethical and unfair. It has been stressful 6 month trying to resolve this issues.
Consumer complaint received 2016-02-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

XXXX account is being reported as 1st date of delinquency as XXXX 2015. The account was paid in full well before that date so how can the 1st date of delinquency be XXXX 2015. please have them delete the whole XXXX account /file from the report.
Consumer complaint received 2015-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CO)

I am having a very difficult time dealing with my mortgage company, Ocwen Loan Servicing, after securing a modification that has encountered hurdle after hurdle. It appears that they have lost or misplaced many of the payments made to them. And even though they say that they are 'attempting ' to assist, Ocwen is known for their roughshod, rush to judgement, tactics. I have a very difficult, almost impossible time, trying to contacting them and attempting to work out anything that helps with the situation. 
I am physically XXXX on a extremely limited budget without the income arising from my residence. I need the CFPB 's assistance to impose surveillance and operational sanctions on Ocwen 's Ombudsman, regulatory and decision making processes that may very will result in a foreclosure and related type actions on us. We have been working on this for almost a year and as soon as XXXX issue is solved, another one comes to take its place. It is not only frustrating but most of all counter productive to preventing adverse actions and losing the home. We are not in formal foreclosure as of this day ; but that could change tomorrow without warning or problem on their part. If legal means are important, than we would like to have assistance in this area. Speed is of the essence. 
If possible, I would like someone to call me and assist in outlying a plan for success. I have many documents that can be sent to assist in this request.
Consumer complaint received 2015-12-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (WV)

Dynamic Recovery Solutions has contacted me regarding 1996 debt ( {$610.00} ) that 's not mind. They have my SSN, address. The first name does not match nor does the DOB. I requested proof of debt which was declined. DRS states that the original bills were probably destroyed since the bill is so old. I 'm concerned about my credit and they have some of my personal information. What can I do?
Consumer complaint received 2016-03-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MO)

My wife passed XX/XX/XXXX. I was laid off a few months later. I wrote One Main Financial, along with my statement letting them know I could no-longer pay the full monthly amount and would like to renegotiate. I had lost my wife 's income, accumulated medical bills and now was living on just my social security. They ignored my request. I stopped letting money to be withdrawn from my bank in One Main 's name. It did n't take long for them to call me. Once again I asked to renegotiate. They said -I did not fall under their hardship clause. They kept calling me. I explained we would have to renegotiate or I would be forced to file bankruptcy. After several calls they said they would lower my rates to 4.78 % and cut my payments in half. However, I had to return to the office where the account was opened. Over 3 hours where I now live. After several more discussions I was turned over to their corporate office. I was to present proof of income and sign a hardship notice. I did so, in XXXX XXXX, Mo. which was faxed directly to their corporate office. Again I started getting calls saying they never received my information. Again they wanted me to go to the branch where I opened the loan, XXXX, Mo. and resubmit the paperwork. I called XXXX, explained I was 3 hours from them, an hour and a half from XXXX XXXX, Mo. where I was last sent refused to do anymore leg work for them to resolve this matter. Note, I contacted them before we ever got to this point. XXXX XXXX corporate called me the next day. asked me again to go to another of their branches and resubmit everything. This time I went to the XXXX XXXX, Mo. branch. I once again explained my position. I was told they could resubmit my paper work but would still be considered as a credit risk until I paid over {$1200.00} to be caught up on my payments. This is n't renegotiating! I did submit the paper work again, they lowered my rate to 8 % and my payments to {$150.00} per month for 24 months. At the end of this loan I will have a balloon payment for the remainder. I turn XXXX in XX/XX/XXXX. I doubt I will ever get this completely paid but will do everything possible to keep my end of the agreement. My complaints are simple, 1- I notified them early and before they contacted me so an agreement could be reached. 2- I did all the leg work driving hundreds of miles trying to get a branch that would work with me. 3- Once the loan was refinanced my credit should have been restored to a good standing. 4- They and their branches lied saying at times I never showed, which I did, found out they only keep out of branch paper work a few days. The same as calling me a liar. 5- Each branch gave me a different amount to pay to get out of the rears or get a lower rate. XX/XX/XXXX I let them into my account to remove a payment of {$330.00}, this month the payment should be {$150.00}.
Consumer complaint received 2016-01-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENTAGON FEDERAL CREDIT UNION (MA)

Penfed acting as servicer of a XXXX mortgage refuses to cooperate with making the mortgage affordable contravening XXXX mission to prevent foreclosure. After a lengthy illness, lost of business, and divorce my income was seriously impacted. I asked PenFed to reduce the interest rate to make the property permanently affordable. A modification is a one-time event, I wanted to make sure I received XXXX that I could afford moving forward. PenFed continued an aggressive pattern of collection activity and refused payments unless it represented the entire arrears. PedFed misled me with respect to XXXX, I thought PenFed owned the loan, but it is XXXX. They continued a pattern of deception stating XXXX refused any action other than foreclosure and full payment. They offered what they considered a modification which was same terms as the mortgage note and payment, but basically charging the arrears back into the account. However, with the same mortgage payment and interest rate, I could be back into losing the property - so I request an modification that included the reduction of the interest rate to 4 % from the 5.12 %. The national standard at the time was 3.25 % - 3.75 %. PenFed I believe feels it is more profitable to keep the higher rate to the detriment of affordability. I can maintain my home if they would offer that. Instead they are auctioning my home with a balance of {$99000.00} left on the note. How does that make sense? The work contacted by the Massachusetts Division of Banking requesting they work with me a little longer, they refused. They told Massachusetts and me that XXXX never got back to them. After speaking with XXXX, they said the servicer can make the decision to halt and work with me. PenFed again refused. Please help.
Consumer complaint received 2016-02-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Consumers Inc (VA)

United Consumers Inc Website Directions Collection Agencies I frequently get robo-calls from United Consumers , Inc. ( UCI ) asking if I 'm ( various first names ) XXXX and if so I push one button on the phone, and if not I push another button. The robot tells me I 'm not supposed to keep listening if I 'm not the intended XXXX. I have contacted UCI on two or three occasions to ask them to stop calling me, but to no avail. I do n't have any credit debt under collection. These calls are very annoying big net fishing expeditions which apparently are routinely used by UCI to contact everyone with the targeted last names throughout the region. 


UCI XXXX XXXX XXXX, XXXX, VA XXXX XXXX : ( XXXX ) XXXX
Consumer complaint received 2016-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (GA)

incorrect information has been posted to my credit reports without receiving notice of the debts in question for XXXX this debt was paid in full by the business it was a business account they have reported to all XXXX credit agency also this company call me and my family threatening lawsuit.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

Always apply any freezes and unfreeze to report online. Attempted to temporarily lift credit freeze online for a certain amount of days and received error message. Attempted again TWICE and payment processed and charges fee TWICE but freeze not lifted without written letter that I have since submitted. No fee should be charged if freeze was not lifted and there is no reason why my account should require request in writing unless this is retaliation for filing earlier complaint.
Consumer complaint received 2015-07-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX XXXX account was closed by XXXX XXXX, earlier, than sold to portfolio recovery, put in collections, I disputed, they removed in XX/XX/2015 and put it right back on again the same month. 
this account was over 7 years old and was dropped by XXXX XXXX. for {$540.00}
Consumer complaint received 2015-07-15
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have a Bank of America XXXX XXXX XXXX XXXX credit card issued to me on XX/XX/XXXX. I have been using this credit card since the day I received it. On XX/XX/XXXX I received a letter from Bank of America saying they closed my account. I pay my monthly bill every month. Never been late on a payment. I had a total of XXXX reward points on my account. Bank of America is telling me since they closed the account that I ca n't redeemed my remaining reward points. They will not disclose to me on their reason for closing my account. Please help me on redeeming my remaining points.
Consumer complaint received 2015-11-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (TX)

Fraud occurred on my credit card and I was alerted by Wells Fargo and issued a new card. However when I got the new card they put the fraudulent transaction back on the new card. I have called and called to ask them to take the charges off but it never happens. This happened in XXXX and I still can not get it fixed.
Consumer complaint received 2016-03-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Continental Finance Company, LLC (FL)

Hi, My issue with this credit card company is that i lost my credit card and I call customer services to speak to a representative who can help me and provide me my account number since I 'm trying to pay my total balance through a loan that i recieve and after they verify all my information they will not give me my account number, I went online were i have a user name and password to view my account, pay bills, etcs and not even in there i can get my account number, all other campanies can provide you with you account number after verifying that you are the account holder, but this VERVE credit card is very shady. 
I need my account number in order to apy my balance through a 3rd party.
Consumer complaint received 2024-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I paid off both of my student loans in XXXX of XXXX. I even have a certificate verifying that I have paid in FULL. After several months I started receiving statements saying : your payment is past due your payment is past due. So in XX/XX/2024 I called them to see what the issue was. They told me it was because MOHELA transferred to a new platform and none of my payment history or information had been transferred- therefore they have no record of me paying ANY amount off on my loans. They told me in order to fix this I needed to upload my bank statements of the payments. I quickly did that and uploaded it to the website where they asked me to. I never heard anything back from them. Several months go by I start to get these emails about missing payments AGAIN and this time my credit score is starting to go down saying my loans are increasing. In XXXX of XXXX  I call them again after waiting on the line for an hour just for them to say they never received any uploads of my bank information even though I did. And when I asked to speak with their manager they denied me. They lost my information with NO SYMPATHY and asked me to upload the information AGAIN. I did the exact same thing- again never heard back and my credit score is continuing to decline. This is the most exhausting, disrespectful experience I have ever encountered. I am a XXXX XXXX XXXX, who worked HARD to pay off those loans and for this business to try to say I didnt when I had to eat ramen noodles for months is crazy. Im so angry and I want this fixed
Consumer complaint received 2015-12-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ARVEST BANK GROUP, INC. (OK)

my x wife was taking care of our finances and ran up credit cards in my name during our marriage. in which I did not know about. I ended up in court with law suits and wage garnishments. I ended up paying all off XX/XX/XXXX. the bank we banked at was one that held a credit card that I took to court to fight. I told the judge I did not sign anything and did not make the charges. sense I did not have an attorney due to they took all I had out of my account during court hearings and wage garnishments. I had no money to live on or for an attorney. I went for a week at a time with no food until I could sell things to get food. but I ended up still paiding off the credit cards as the court stated on time. I finally got the court to listen to me after several court hearings. the court awarded me a full refund plus damage charges for the bank to pay me. well I never have seen a penny of this settlement. but all stopped with anymore collection from the bank or credit card. now yesterday XX/XX/XXXX my work gets a call from someone stating they are a collection agency to collect the same depth from XX/XX/XXXX from the same bank and card. again they wanted my company to have me call them in the matter. I called this phone number and they told me I owed the money again on same mess as before. then they told me if I did not pay they would send some one to my work for me. I told them that is not legal and what they claimed I owe was settled in court in XX/XX/XXXX and to never call me or my company ever again. I got another call from them on my cell phone today XX/XX/XXXX with more threats. that if I did not settle with them then again they would confront me at my work. I tried to call them back again several more times with no answers. their phone number is XXXX after their way of messages and live calls I know they have to be a scammer. there is a whole lot more to tell but I will leave it for now with these people need to be stopped.
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (CA)

1. The mortgage company is collecting more tax than what is my assessed property tax. 
The mortgage company informed XXXX requires the mortgage company to collect my property tax. When I notified the mortgage company of their error multiple times, the mortgage company refused to adjust the tax collection to my assessed taxes. It appears to me the mortgage company is abusing their role with XXXX. Hopefully it can be seen the XXXX XXXX, 2016 Escrow Account Disclosure Statement shows a property tax payout of {$1000.00} with a false estimate of {$2000.00}. Clearly, it is a false statement to claim there will be a {$2000.00} payout will it will actually be {$1000.00} from the submitted tax assessment from XXXX XXXX. 
2. The mortgage company initially collected all my information, told me I was qualified for a mortgage, locked in a rate at a 30 year fixed mortgage, repeatedly extended the closing time and then said it would need to be changed to an adjustable rate mortgage. I made multiple complaints to supervisors and executives but, received no response to any of my complaints.
Consumer complaint received 2016-01-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United PanAm Financial Corp. (GA)

A representative from United Auto Credit contacted family members and my place of work not only harassing them but also being rude. I let them know before hand what was going on with me and my car. Today XXXX/XXXX/2015 was the last straw, my manager called to let me know that an representative contacted the store asking her personal questions and was being very rude. She also stated that they gave her personal information about me. It is causing problems with my job.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports