davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CT)

XX/XX/2012 we started with XXXX XXXX XXXX  XXXX XXXX. She assured us she would assist us with a modification or plan to save our home. We supplied the necessary paperwork and exchanged emails back and forth. During this time our home was actually broken into by a Preservation Company hired by XXXX XXXX. They did substantial damage to the home which we informed our attorney. We continue to work with XXXX XXXX when we found out they had been sold to XXXX XXXX during this time the house was occupied by tenants that distroyed the home. We filed an eviction and forced them out of the house. We then found out that it was infested with bed bugs. It took us many months to disinfect and remove sheetrock and carpeting to fully get rid of the bugs. Finally the house was cleared and we moved forward to get it rented again. Still working with XXXX XXXX on the modification we then were informed that the loan was sold again to XXXX. Once again we filled out the needed paperwork and calls to representatives to get the loan caught up. About 5 months ago the loan was changed again to be serviced by Loan Care. I have submitted paperwork again including leases, P & L, taxes and such. The reps we have spoken to our many yet no one has assisted us in moving forward to get this processed. Obviously from when we started this process in 2012 our situation has improved as the house is fully rented with reliable tenants and leases. Our income although not where it was 8 years ago has as well improved these conditions currently help in the request to modify our loan yet we continue to receive denial letters and not explanations. Our own attorney agrees that something is not right as well as other bankers I have spoken to. We DO NOT WANT TO LOOSE OUR HOME and are trying our best to ask for assistance. We have even sought 3rd party financing at a very high interest rate and have been prelimarily approved. Our question is how can they approve us and yet ( Loan Care ) won't even consider a option for us. We had the house appraised there is plenty of equity in the home yet we are still denied. Our credit is now ruined due to these delays which we have been trying to rebuild. We just need help to put this behind us and start fresh. Your assistance in this matter would be appreciated.
Consumer complaint received 2018-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

During XXXX and XX/XX/2018, I was charged numerous fees in excess of {$300.00} and checks corresponding to the fees were returned. Many of the retruned items, linked to the fees, were less than the returned item amount. I was charged {$39.00} on item returned for {$19.00}. This is an unfair business practice that makes profits for the bank at a consumer 's expense. I am happy with the bank but not happy about the exhorbitant fees charged to me recently.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have been a victim of identity theft, which has resulted in several unauthorized items appearing on my credit report. These include XXXX accounts and XXXX inquiries that I neither authorized nor initiated. These entries were added without my knowledge or consent. 

ACCOUNTS - XXXX XXXX - XXXX XXXX XXXXXXXX INQUIRIES - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XXXX  XX/XX/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 XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have already reported this identity theft to the Federal Trade Commission ( FTC ) XXXX I am requesting the prompt removal of these fraudulent accounts and inquiries from my credit report to ensure its accuracy.
Consumer complaint received 2018-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF THE WEST (CA)

Bank of the West had a promotion to open a savings and checking account for a {$250.00} bonus ( XX/XX/2016 ). When I went to open the accounts at the XXXX CA XXXX branch, the staff forcefully opened a credit card account for me without my knowledge until after the fact. I insisted I did not want a new credit card, but they already pulled my credit without permission and did it anyway. The manager was also part of this as he confirmed it was not a hard pull ( it was a lie ). They also gave me a line of credit ( which I also didn't ask for ), based on my credit. The said it was part of the promotion package to build relationship with customer, which was false. No where on the promotion ad was mentioned that a new credit card account was needed to qualify. 

This is fraud and the worst banking practice I have ever experienced. I was so upset I closed the new accounts shortly without waiting for the sign up bonus to post. I also closed the credit card account after sometime. ( I did not close the card immediately to not mess up my credit score. ) This was over 2 years ago, but I just found out about CFPB so I would like to report this.
Consumer complaint received 2018-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES (NC)

I just received a notice from Zwicker & Associates, P.C, a debt collector of XXXX XXXX. This communication is to dispute owed of {$5700.00} from XXXX XXXX. My card was used without my permission by my ex husband and charges were incurred by him and other persons. I have always paid my debt timely and XXXX XXXX refused to take disputed charges off. As a result, my credit has been impacted and the debt was charged off and they refused to even file a claim. XXXX behavior violates consumer protection laws and the law firm is engaging in predatory debt collection practices. This is ridiculous, I want this deft off my credit ASAP. SO THIS IS MY FORMAL DISPUTE WITHIN 30 days.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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

Account name : XXXX XXXXXXXX, Account name : XXXX XXXX  Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, has violated my rights. 

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 if the person knows or has reasonable cause to believe that the informationisinaccurate.

Please remove these Inquiries from my credit report.

These inquiriesarelisted :
Consumer complaint received 2018-09-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Constar Financial Services, LLC (PA)

I received a notice in the mail dated XX/XX/2018 from Constar Financial Services regarding my Student loan with XXXX stating that I owe them {$10000.00}. 
At the time I was currently faced with financial hardship and was to the best of my knowledge already in the process of trying to resolve this matter with my lender. I asked not to receive collection calls. 
I received an additional notice from Constar dated XX/XX/2018 stating that I owe {$11000.00} which proceeded to offer a reduced interest rate program that would take my interest from 9 % on the XXXX loan originally with XXXX XXXX for 7.25 % down to 0 % and that my new monthly payment would be {$55.00}. The notice also states that my credit status would change to " Paying as Agreed '' This was to occur after 3 consecutive payments which were setup automatically. 
I setup the payment on XX/XX/2018 which was posted to my bank account, and later verified that it posted to my XXXX loan. 
On XX/XX/2018 I received a call from a different collection agency XXXX XXXX  XXXX on behalf of XXXX. After contacting Constar and XXXX I was able to verify that Constar sent my loan back to XXXX and neither will honor the agreement. I was asked to setup a similar arrangement with the new collections for 4 consecutive payments of {$57.00} which was deducted from my bank account on XX/XX/2018.
Consumer complaint received 2018-08-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (MS)

XX/XX/XXXX a credit of XXXX was applied to my account and was never called on it or emailed why I had this credit. XX/XX/XXXX XXXX took XXXX out of my account for the monthly payment for XX/XX/XXXX, they should of only taken the amount XXXX to complete the payment. Still no phone call or email on the credit. Now its XX/XX/XXXX and they automatically applied the XXXX to a principal payment and took the full amount again which caused my account to bounce and my bank to charge me XXXX for the over draft fee.
Consumer complaint received 2024-10-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC (MS)

I sent a validation letter asking them to verify to me to see if I owed the debt on XX/XX/XXXX and they never responded back so on last week on Friday they sent me another notice via mail and someone else asking for money and I never did business with them at all they demanding money and I dont know who this company are.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX is reporting me late XX/XX/2018 and they are in violation. They recently took over servicing of my loan from XXXX XXXX XXXX in XX/XX/2018. 
For one- there is a protection period once a loan is transferred for servicing : ( 1 ) Payments not considered late. During the 60-day period of the servicing of any mortgage loan,. a payment may not be treated as late for any purpose. 

For 2 : I had set up auto draft with XXXX already in XX/XX/XXXX and the XX/XX/XXXX payment was to be drafted. This was their error not mine. I am NEVER late  on anything and have always had auto draft for my mortgage payments with XXXX XXXX and when you guys took it over it was a big mess.
Consumer complaint received 2018-09-15
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. (TX)

recklessly putting soft inquiries i opted out of seeing it an all 3 major credit agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX declined me,XXXX  fcra, same job XXXX years dti lesa THAN 11 % WHAT DO I HAVE TO HAVE 800? THESES COMPANT USING UNFARILY LENDING PRACTICES B/C I HAD MY id THEFT STOLEN.. i VERIFY IN PERSON IT Was me and answered all there question..
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ERC (OK)

To start with they put on my credit opened XX/XX/XXXX. This account was opened in XXXX and I moved somewhere where they didnt have services! They have called me multiple times and called my employer at XXXX XXXX. The balance is {$110.00}. This should be removed from credit and for them to quit harassing me!
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I am writing to report an instance if identity theft that resulted in unauthorized activity on my chase bank account. On XX/XX/year> and XX/XX/year>. I discovered transaction and account changes that I did not initiate or authorize. These actions are a clear violation of my financial privacy and security. This situation has caused me significant stress, inconvenience, and financial uncertainty. Please reverse any fraudulent transactions and secure my account to prevent further unauthorized access.
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (NY)

A person called would not offer the name of the company they were calling from, they are looking for XXXX XXXX XXXX XXXX is an ex husband going on 18 + years. 
I advised that i am not sure why they would ever be reaching out to me for anything in regards to him. They made it seem like this was a case number and never represented them selves as a place to collect a debt or that the call was being recorded. 
this was a week ago and again today another call, asking if i spoke to XXXX and relayed the information i did not because we do not speak. Still would not tell me where she was calling from. But this time the number when i called it back ( was different than the previous number ) did answer as Atlantic recovery solutions when i called her number back ( the one she gave me ) she answered ARS.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I use XXXX XXXX for my credit information. Just a few months ago my credit on both credit companies ( TransUnion and XXXX ) was Excellent. After checking this month I have the same good reports for both companies EXCEPT the hard inquiries, especially Transunion. The 7 hard inquiries at Transunion includes multiple inquiries including XXXX/XXXX ( 3 ) dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XXXX XXXX ( 2 ) dates XX/XX/XXXX and XX/XX/XXXX. I have not applied for or given permission for these two subjects to check on my credit, I have one credit card ( XXXX XXXX ) and one mortgage transfer to the local bank which would account for the large amt. The subjects mentioned above have nothing to do with either of these institutions. My concern is that in a matter of a few months my credit has be deeply affected ( from Excellent to Fair ) based on the fact that Transunion never questioned so many requests without a written permission from me. I have had several identity fraud problems in the past and feel that these hard inquiries are the start of another problem for me and also have affected my credit rating that I have worked so hard to obtain. I appreciate anything you can do for me. 
XXXX XXXX XXXX ( XXXX XXXX
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (FL)

I was disputing a negative derogatory on my credit report the apartment complex I applied guarantee me that if I applied I would have nothing to loose because if I were to be denied I would be refunded my administration fee back and they did refund me my money back now I look on my credit report this collection agency is coming after me for refund I received for not being approved. This business has not only reported a fraudulent amount towards my credit report but has misuse there advertising to mislead consumers into applying only to ruining their credit because they are using a system that are not based on facts but probability algorithm. Which does not comprehend with a person income. I have email of them stating how I would receive my email and proof I paid my own money to the administration fee.
Consumer complaint received 2018-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Re-aged information changing and update account to past due account rolling one payment through a total of 18 months. Refusal to provide accuracy of detail to validate debt. Creditor marked account as a repossession when it is current. Recently marked account the account 30days passed due when it is current. Abuse of updating accuracy to credit bureaus. Duplication of fees in the amount of {$300.00}. Recently sent a bill with an extra {$30.00} fee more than what is due on the account.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AR)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX 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 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (LA)

My husband had a XXXX XXXX back in XX/XX/XXXX which caused us to fall behind on our payments. I continuously worked with Loss mitigation to get help in the matter. On XX/XX/XXXX, we were approved for a repayment plan and per the documentation received as long as we notified them that we wanted to do it and made our payment as of XX/XX/XXXX, we were in repayment. When i called in to accept the plan, I was told i could pay over the phone and nowhere in the documentation did it say otherwise. On XX/XX/XXXX, I called to make my payment and was told no, i had to mail it in. I did mail it in, but it never posted. On XX/XX/XXXX, I called to see what my options were and if my payment was received yet. Once again, I was told I could make a payment over the phone, then after a payment was attempted, advised the payment would have to be mailed in. I was told at that time that the representative would keep an eye on my account and if I was in Jeopardy of the plan breaking if my payment didn`t show up, she would call me. When I called on XX/XX/XXXX because i still hadn`t heard anything. I was told the plan was broken and I would have to resubmit new paperwork. I resubmitted new documentation with the same information i previously used and received a total declination letter. How is that possible when a month before we were eligible? I have resubmitted all documents and on XX/XX/XXXX was told a complete package was received and that foreclosure activity were on hold and no sale date could be processed. I called on XX/XX/XXXX to check on the file and was advised, nothing had been done with it, it was just sitting there and the representative would reach out to the processor. On XX/XX/XXXX, O was served with Foreclosure papers which was a violation of my rights, since I never received anything after my XX/XX/XXXX letter. I have since resubmitted documentation and the sale has been suspended for 30 days while they review, but if they come back and decline it, I will lose my home.
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MI)

On XX/XX/XXXX, I agreed via a phone conversation with XXXX to a loan modification to bring my account current and adjust monthly payments. The agreement called for three monthly payments of {$1200.00}. beginning in XX/XX/XXXX. The first two payments were made on time as agreed, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, we received two certified notices of default with intent to accelerate dated XX/XX/XXXX. We also received three notices stating that the loan modification was no longer available and to contact the company for information about other " foreclosure alternatives. '' The company 's hours are Monday through Thursday, XXXX to XXXX and Friday, XXXX to XXXX. Since it was after XXXX when we received the certified letter, we had to wait until Monday to call. We spoke with XXXX, ID XXXX, who told us that we now had to talk with a " single point of contact, '' XXXX XXXX, at XXXX. We called him Monday morning. On Tuesday evening, after not receiving a return call, I called a second time. Once again, I got voicemail. I mentioned that we planned to work with a debt management company, and so I needed to know what our monthly payment would be moving forward. Very shortly, XXXX XXXX returned my call. Unfortunately, I was unable to answer. He asked me to return his call to XXXX, which is an outright scam. I called him a third time and once again left a message. I called the main number, XXXX, and was told that our point of contact is not XXXX XXXX but instead XXXX XXXX at XXXX. I have left two messages with her with no response. Please see the " additional comments '' section of the XX/XX/XXXX and XX/XX/XXXX statements regarding this modification agreement.
Consumer complaint received 2018-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

This is a follow up complaint to a previous complaint ( # XXXX ). I was contacted today by Wells Fargo representative XXXX XXXX, who reported that they are unable to remove the projected shortfall on my escrow account that will be created if my property taxes are paid in XX/XX/XXXX. She claimed that their taxation department had contacted the county tax department and had been informed that taxes are due from mortgage companies on XX/XX/XXXX. I expressed surprise, as the county website clearly shows a due date of XX/XX/18. When I asked for documentation of the information supposedly given to Wells Fargo, XXXX declined to provide it, stating that any documentation was, " proprietary. '' I attempted to get a tax rep on the phone, but was unable to do so. When I later contacted the XXXX County tax department and spoke with XXXX XXXX, Lead Customer Service Representative, she stated that tax bills aren't even produced until late XX/XX/XXXX, and that all tax payments, whether from individuals or through mortgage companies, are due on XX/XX/18. As such, it appears that Wells Fargo representatives have given me false information, and Wells Fargo is continuing to insist that I owe for this shortfall, even though it will not happen if taxes are paid in XX/XX/XXXX, when they are due.