davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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Consumer complaint received 2023-07-10
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. (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 4TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo are guilty of a BAIT & SWITCH program, causing my family substantial stress and harm. 
Wells Fargo promised to cancel our unfair and wrongful late charges of {$5000.00} if we paid our two months past due amount. During this process this Bank encouraged us to sell our home to become current. At no time did Wells Fargo put a date certain on when to complete this by, nor give us any notice or warning about such a. 
Consequently we began the project of catching up and selling our home, by working hard to make it saleable. It takes a while to do this work and get a house sold. 
We have now sold the home, will pay the past due amounts, BUT NOW WELLS FARGO ARE REFUSING TO REMOVE THE LATE CHARGES AS THEY PROMISED..During the process Wells Fargo took almost ten to twelve weeks to answer each separate enquiry we made about the ongoing process, at least three times. They were close to impossible to reach the person even they advise to call. Once in 9 months did l manage to speak to the person noted by the Bank to telephone. Wells Fargo delays amounted to bout four months in the last nine months. 
Now we have SOLD OUR HOME based on their promise to remove the unfair late charges, BUT NOW WE GET FROM WELLS FARGO THEIR BAIT AND SWITCH TACTIC.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

I have XXXX fraudulent accounts that were opened in my name with XXXX XXXX XXXX XXXX XXXX. I 've notified XXXX XXXX XXXX XXXX XXXX of this as well as Experian. I 'm not sure as to how someone obtained my personal information. I even sent them a copy of my Identity Theft Report Affidavit and they have failed to remove this account. I am not responsible for it and it is bring down my credit score. This has been disputed since XX/XX/2016.
Consumer complaint received 2016-10-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (CA)

I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called AES ( American Education Services ). This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( XXXX, XXXX, XXXX ). I am not sure how the credit bureaus verify this when AES is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both AES and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/XXXX while showing a document of Disclosure Statement sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE 34 EDUCATION, SECTION 685.215 - Discharge for false certification of student eligibility or unauthorized payment.
Consumer complaint received 2016-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: SUNRISE CREDIT SERVICES, INC (NJ)

They collected {$400.00} from me while I was filing bankruptcy the representative lied to me and said I had to pay until it was fully discharged when I contacted my lawyer he told me that was against the law since all my debts were included in my bankruptcy
Consumer complaint received 2023-07-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (VA)

I am writing to file a complaint against LVNV Funding for violating the Fair Debt Collection Practices Act ( FDCPA ). 15 U.S.C. 1692 et seq. LVNV Funding has been contacting me repeatedly about a debt that I do not believe is valid. They have called me at work, at home, and on my cell phone. They have also sent me threatening letters.

I believe that LVNV Funding is violating the FDCPA by engaging in the following practices : Calling me at inconvenient times, specifically at work. 15 U.S.C. 1692d ( 5 ).

Sending me threatening letters. 15 U.S.C. 1692e ( 10 ).

Trying to collect a debt that I do not believe is valid. 15 U.S.C. 1692g ( a ) ( 1 ).

I am requesting that the CFPB investigate LVNV Funding for violating the FDCPA.

Thank you for your time and attention to this matter.
Consumer complaint received 2016-08-15
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MS)

On Saturday morning, XX/XX/2016 at around XXXX or XXXX I received a call form a caller ( Ph # XXXX ) asking me if I was at my home computer. Once I got to my computer the caller was in my system informing me that I was being hacked by various hackers and showing me a number of errors. He asked if I could see what he was talking about. Once I confirmed, he then offered me computer help ( XXXX XXXX XXXX ) with offers as follows : 3 Years- {$190.00}, 5 Years- {$260.00} and Lifetime- {$290.00}. I opted for the lifetime and paid with my Visa creditcard while online. The caller than screen printed for me a copy of the computer help page with the following POC. XXXX XXXX, XXXX XXXX XXXX FL PH # XXXX XXXX or XXXX and a security code-XXXX. And, invoice for the {$290.00} charge. XXXX XXXX XXXX XXXX XXXX XXXX & Support email : XXXXXXXXXXXX dated XX/XX/2016. He instructed me to reboot and start using the computer after 2 hours which would be after he had finished upgrading the system with the new security software. 
Later that even at around XXXX or XXXX a XXXX caller ( XXXX Ph # XXXX ) called and told me that the first caller had made a mistake and that he was going to refund me my money and provide the services to me for free from six months. But, for him to do that he would need to do a bank to bank transfer of the funds and for me to go to my computer. When I did the caller was in my system, and also in my XXXX XXXX accounts showing me where he had credited to my account the {$290.00} but had also credited an additional {$3000.00} by mistake and printed me a screen copy of the statement showing a total balance of {$6300.00}. He said for him to fix this problem and come out of my computer system I would need to return to him his {$3000.00} via MoneyGram ( Ref # XXXX, dated : XX/XX/2016 ) through XXXX to a XXXX XXXX in XXXX. If not he would XXXX out my account all together. I went to the XXXX in XXXX and completed a transaction in the amount of {$2400.00} plus an {$18.00} charge for a debit total of {$2400.00} from my checking account. 
When my wife and I returned home later I used her iPad to log into the account and upon doing so I realized the called had transferred the {$290.00} plus an addition {$500.00} for our savings account into our checking account to cover the MoneyGram as listed above. At no time did I have access to my home computer while the caller was in the system and on the phone. I was only able to view the screen shots that the caller provided. 

XXXX END OF STATEMENT XXXX XXXX
Consumer complaint received 2016-10-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (CA)

Company in XXXX with the number registered as XXXX called my phone multiple times per day, eventually I was forced to answer. Silence for several seconds, then I was confronted by an XXXX man who refused to tell me who he was or why he was calling until I confirmed who I was. I confirmed, and he then told me he was with American Medical Collection, calling about a debt of {$72.00} XXXX. To my knowledge, I have no current outstanding medical debt, and my medical insurance has never contracted with these people before. Told him to call back later, at which time he offered me a one-time exemption where I could pay a flat {$50.00} XXXX to resolve the debt on the phone, right then and there. I told him no, he promised to call back later. 

I will be blocking this number, and apparently this company has been investigated and sued before for aggressive calling tactics. So, just a heads up, these people are still engaging in these tactics.
Consumer complaint received 2016-10-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: EQUIFAX, INC. (CA)

I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called XXXX XXXX XXXX XXXX. This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( Transunion, Equifax, Experian XXXX. I am not sure how the credit bureaus verify this when XXXX is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both XXXX and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/2008 while showing a document of XXXX sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE XXXX EDUCATION, SECTION XXXX - Discharge for false certification of student eligibility or unauthorized payment.
Consumer complaint received 2016-10-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

In XX/XX/2016 I finally closed on a loan via Amerisave. It was an incredibly difficult process. Many times Amerisave made promises not just verbally but in writing to both myself and my realtor that just were not true. For various reasons my closing was delayed about 4 times. At XXXX point, they denied my loan right before closing. Then admitted mistakes. The subsequent loan closing delays also due to the Closing Attorney that was understaffed and delegating most of the work to inexperienced paralegals. 
About XXXX weeks after my closing I was notified that my loan was being turned over to a different servicer " XXXX ''. I had some questions about 2 months ago about PMI removal and XXXX informed me this is not possible with FHA loans. I was surprised. They told me it was in my initial loan disclosures. When I asked them to point it out to me they could not find it, nor could I. They stated they would research it and send me the documents. Today after more than a month from my request, I received the documents. It is very obvious that they were " doctored '' and my signature " forged ''. The date noted on the paperwork ( was not my handwriting and dated XX/XX/2016 ) The figures and interest rate amounts were old/outdated and the first page even indicated that the paperwork was prepared in XX/XX/2016. I strongly recommend using your own attorney for closings. Not Amerisave 's although theirs is cheaper and also not using XXXX recommended by your realtor. Be cautious of using Amerisave. They will also not give you the {$1000.00} at closing if your loan does not close in 30 days as promised on their website.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

We have been on an adjusted rate mortgage now at 6.5 %. My husband became XXXX and is on SSI at 1/2 his salary when he was employed. We fell behind and attempted to have Rushmore provide a loan modification. They first offered a 6 % interest. We still did n't see how we could meet that mortgage. Hired an attorney. Then the attorney insisted they re-review our numbers. Eventually Rushmore again stated that they would not even review us for a modification. This is the second time they have tried to take our home from us. The first time, because of a settlement, we were able to catch up but we do n't have that luxury anymore. Now we have just filed for Chapter XXXX bankruptcy to try and protect our home and see if we can finally get a real modification through bankruptcy court. Since we fell behind originally by 2-3 payments, every month we have tried to send in our monthly payment but Rushmore has refused acceptance of every payment we have tried to send in since XX/XX/XXXX. Because of their refusal to accept payments, we are falling ever more behind every single month and adding more to an impossible situation. Now we have severed ties with that attorney and after losing money with them we have had to pay someone else to file the bankruptcy. If our situation does not warrant consideration for a modification I do n't know what does. We just want the chance to have our loan modified to at least current interest rates and do n't think that 's unreasonable.
Consumer complaint received 2016-10-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

As of XX/XX/XXXX my home loan was transferred by the XXXX XXXX XXXX to Ocwen. XXXX told me that I had to make my loan payment of {$3600.00} early prior to the transfer. They said that Ocwen would be notified and that the advance payment would be applied to my first payment with Ocwen. This did not happen. The transfer was botched and Ocwen insisted on requiring an escrow account for my loan even though in 30 years of making loan payments there had been no escrow requirement. Because of the extra amounts that they demanded for the escrow, they have claimed that my loan was paid late and was insufficient. I have written to CFPB about this and you were successful in limiting some of the penalties inflicted by Ocwen although they still maintain {$350.00} in late payment fees. 

I would like to have this carry-forward charge removed. I would also like to remove the credit dings ( two late payment indications ) -- - XXXX by XXXX and XXXX by Ocwen for XX/XX/XXXX and XX/XX/XXXX. I have no late payments on my home mortgage record for over 30 years, and no late payments on any of numerous credit cards -- -only these two late payments inflicted by XXXX XXXX XXXX and Ocwen which occurred because of this loan sale that I did not request. 

I have referenced this matter in case number XXXX and case number XXXX. Those have more background for this long standing big bank misbehavior. 
Thankyou for helping. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX
Consumer complaint received 2016-08-15
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

1. On XXXX/XXXX/XXXX I received a total of {$4200.00} from a XXXX XXXX from money he owned me. 
2. The money was transferred to my Venmo ( Paypal Inc. ) account on XXXX/XXXX/XXXX. 
3. I transferred {$2800.00} to XXXX XXXX Venmo XXXX Paypal , Inc. ) account on XXXX/XXXX/XXXX. 
4. On XXXX/XXXX/XXXX at XXXX I was contacted by XXXX . ( Venmo agent ) who stated they dont see my funds. This was Venmo case no. XXXX. 
5. On XXXX/XXXX/XXXX at XXXX I was contacted by XXXX XXXX ( Venmo agent ) who stated my accout was frozen and that I need to provide proof that I am authorized to receive the funds. 
6. On XXXX/XXXX/XXXX I recevied an emal from vemo that I had transferred {$2800.00} to XXXX XXXX and also that Venmo was transferring {$1300.00} to my XXXX XXXX account ending in XXXX by no later than XXXX/XXXX/XXXX. 
7. I have not received my funds after 10 days which is required by law of money exchangers nor have I found any evidence to support that I have violated there user agreements to withhold my funds.
Consumer complaint received 2016-10-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo has been charging me late fees over the past 8 months that have not been necessary. I have paid {$28.00} for each late fee for multiple months. This is not including a {$35.00} late fee from another bank, XXXX, each month as they continued to draw from after I had filled out paperwork to have it come out of a different account and later had to cancel that account to keep from being over-drafted. I called to sit on hold with bankers for hours each time trying to correct the issue. Late fees of the recent months ( XXXX, XXXX and XXXX ) have been waived but not before effecting my credit.
Consumer complaint received 2016-10-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am submitting my complaint directly to CFPB because through experience, your agency gets answers that seem elusive when mailing certified letters to the credit reporting agencies. In other words CFPB works more efficiently and decisively. 
Transunion has placed a number of credit inquiries on my report that were not authorized. 
1. I purchased a vehicle and only bought from one dealership without searching around. No other entity should have checked my credit report. 
2. Transunion lists the following inquiries which were not authorized : XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 The above mentioned companies were not authorized to check my credit.
Consumer complaint received 2016-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANKUNITED, NATIONAL ASSOCIATION (FL)

BankUnited wrongly reported a delinquent payment to the credit agencies. The bank created an escrow balance based on them having lost the condo flood insurance policy the management office faxed to them. The bank then wrote me a check in the amount of my XX/XX/2016 payment stating the bank would not accept payment that was short of the full escrow amount ( even though the bank incorrectly charged me escrow due to losing flood insurance policy ). The bank pretended as if I never made my XX/XX/XXXX payment which was clearly wrong. I then emailed the condo flood insurance policy to the bank on XX/XX/XXXX, and as of Friday, XX/XX/XXXX, they still have not cleaned up my account ( after receiving the bank check equal to my XX/XX/XXXX payment, I turned around and wrote XXXX checks - XXXX for XX/XX/XXXX & XXXX for XX/XX/XXXX ). Throughout this time, the bank continued to call & harass me as if I was not making my mortgage payment. Bottom line is I want the bank to report the delinquent XX/XX/2016 mortgage payment as a bank error since I actually did make the payment ( the bank seems to want to pretend that I did not make the payment because they would not acknowledge a payment that excluded escrow which I really did not owe because they lost my flood insurance policy and still have not fully updated my account with the documents I had to email them ). I 've never heard of a bank writing a check to a client and then turning them into the credit agencies. I find BankUnited to be grossly mismanaged in a tangled web of incompetent procedures, leading to the left arm not knowing what the right arm is doing. This bank should be investigated for inappropriate mortgage payment processing.