davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC (IL)

We purchased a car from JD Byrider / CNAC XXXX from them. My husband had a major XXXX over 100 miles from home. I stayed in contact with XXXX, our collections account manager, she was aware and we verbally agreed that I would be able to make all past due payments upon return to XXXX. 3 days later, I got a phone call from XXXX XXXX XXXX " XXXX '' XXXX demanding payment that instant or she was issuing the reposseion order for the car. I informed her of my conversation with XXXX, and she told me that it was n't her problem and told me I had until close of day to have payment in their office. She would n't listen to myself nor her employee when she told her the same thing. Finally, they repossessed the car. I never received a notice of intent for the vehicle nor any communication on how to retrieve my belongings, including my drivers license, insurance documents, nothing. I tried calling and it was always " She was n't in '' when they asked my name.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE (VA)

As part of earlier settlement with XXXX for In-App purchase, my XXXX old daughter had used a game on my wife phone which was tied to XXXX credit card. When we reached XXXX, they said they would reverse the charges. Somehow the charges on XXXX of credit card was not reversed. They continue to add financial charges and late fee. I informed my credit card company that these charge should not be there since I had spoken to XXXX. They did not remove the charges and continued charging. From initial charge of {$70.00} to {$700.00} with late fee. They have reported it to credit bureau and spoiled my credit score. Now they have turned the debit over to collectors who are constantly calling. I have called XXXX and unfortunately XXXX will not talk with Credit card company. As a consumer I feel frustrated after wasting a lot of time.
Consumer complaint received 2016-09-30
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Integrated Recovery Services (CA)

I took out a payday loan years back and then defaulted because I lost my job. Never received calls or mail from them indicating that I owe an amount, now I am getting calls constantly from a company called Integrated Services and they are RUDE, NASTY, UNPROFESSIONAL and they call me 7 to 8 times a day. I have asked them as well as told them that one they have spoke with me, they are not to call me anymore and they still do. I have tried to block the numbers that are calling me but they have so many it is too hard. I also called the original debt collector and they indicated that they do not have any of their people or collection companies call out, it is all done
Consumer complaint received 2017-02-17
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Mortgage Research Center, LLC (CO)

In XXXX XXXX my mom & I called Veterans United Home loans, and placed with XXXX XXXX, Loan Officer. We were interested in a VA mortgage. We were advised that we could apply as my mother is a XXXX Vet, with me as a dependent XXXX XXXX XXXX XXXX we recd notice from Veterans advising we were prequalified. We were not eligible for VA financing, but on XXXX XXXX XXXX XXXX XXXX advised that he would issue a preapproval letter for FHA financing. On XXXX XXXX XXXX I requestedthe terms of the loan because I was missing out on properties. On XXXX XXXX, XXXX XXXX XXXX advised in writing that he could 'definitely make this work ' and on XXXX XXXX XXXX I requested the specifics of the FHA loan. On XXXX XXXX XXXX I received a phone call from XXXX XXXX, at which time I expected to be advised as to the specifics of the FHA loan that was preapproved by Veterans. It was only on that date and time that XXXX XXXX asked for anything more from me than my paystubs. We requested financing up to $ 300K, and advised that we could put at least a 20 % down payment, and {$5000.00} ernest money towards the purchase Only THEN did XXXX advise that my XXXX score did not qualify for an FHA loan. According to the FHA manual, my XXXX score did qualify. XXXX misrepresented that it was FHA, and later admitted it was Veterans Home that would not accept it. 
For almost 2 months, we were unreasonably led to believe that we were only waiting fo the preapproval letter to be issued. There were no qualifiers, no ifs, ands or buts, or any other issues that might disqualify us. We were unethically and unprofessionally misled by this loan officer, and in fact were told that Veteran COULD help us and that we WOULD receive our preapproval letter. Veterans should be required to uphold their promise of financing and finalize the mortgage loan that we were preapproved for. There was never any discussion or mention that ANYTHING would stop the financing process. Ou combined income is in line with the loan amount, and my mother 's credit is outstanding. My credit qualifies me for approval for an FHA loan, and Veterans should approve this financing and proceed to closing.
Consumer complaint received 2016-04-26
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: AES/PHEAA (FL)

FEDLOAN servicing is refusing to respond after 3 months of waiting ... and continues to report and refuses to do anything but " SERVICE ME " when asked to simply provide validation they have responded with silence for 3 months but will not remove the item from report. I asked them to prove who they are, and they have not STOPPED sending me notices about how much I owe, and here I thought that the FDCPA and the FCRA say stop all collection until the dispute is finished??? HELP!!!!!!!!!!! I have been forced to place a fraud alert on my report and have contacted FTC ... I have recording of the treatment I suffered at their hands.
Consumer complaint received 2016-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

We currently are not being provided monthly statements due to the fact that we filed bankruptcy four years ago. It is their policy that we be protected from receiving such a document according to the law. Our mortgage was transferred to this current mortgage company XX/XX/XXXX. Up to that date, we received monthly statements. After respectfully requesting statements earlier this month based on the Dodd-Frank Wall Street Reform and Consumer Protection Act passed by congress on XX/XX/2014 requiring we receive a " Periodic Statement '', closely being defined as a monthly statement, their response was no, they are not required by law to provide monthly statements to active and/or discharged bankruptcies.
Consumer complaint received 2017-02-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

In XX/XX/2016 after carefully reviewing my credit report XXXX accounts showed up on my credit from XXXX and XXXX.I immedietly disputed the XXXX accounts and placed a fraud alert on my credit reports. I have been back and forth with the creditor as well as the credit. Finally after months of disputing and making complaints the debt could not be validated and was deleted from my credit profile.over the past couple of weeks i have been getting letters in the mail from the collection agencies, for the same accounts. So it appears that the creditors deleted from my credit profile but then sold the account to multiple agencies. This debts are not mine and all i have been asking for for months is validation of account. also please look into the creditors selling these accounts to multiple agencies now i am receiving multiple letters which can be related to harrassment. I am requesting that the collection agencies validate debt owed and quit sending collection letters to my home. 

I have attached the letters that I am receiving from different collection agencies for the same account.
Consumer complaint received 2024-10-03
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. (HI)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

I am a victim of a phishing scam. I opened account with a Wellsfargo Bank on XXXX/XXXX/2016 my account # is XXXX. I am a victim of a phishing scam. Someone with the name " XXXX XXXX Wellsfargo # account XXXX, pretend to be a loan company arrange a personal loan for me, and ask me to deposit {$5000.00} in closing cost. I opened the account on XXXX/XXXX/2016, wrote a checking to this phisher. This personal cashed out XXXX USD immediately. They should not be able to cash out on the same day. I contacted Wellsfargo immediately on Monday to ask them to help retrieve my stolen funds. They did not help. They denied my claim. I understand that I was stupid to be a victim of a phishing scam, when I deposited the check in my Wellsfargo account on the same day, there was no signature on file to verify the check. New account screening should have restrict the transaction to protect me as an account holder. When I opened the claim, they did not help. They fail all the way from start to finish. My wife ended up divorcing me, and I lost my child in a child custody because of irresponsibility of Wellsfargo who I trusted. The person that scammed me still banking with Wellsfargo and continue to look for more victims. No one assist me from Wellsfargo. Not only I lost my money, lost my wife, my kid, and I lost my faith in banking system. Wellsfargo bank, New account Screening, Fraud Department fails me as a client. They were not acting as my fiduciary, but a criminal accomplice continuing helping criminals preying on innocent victims. When my lawyer and I got in touch with the XXXX XXXX District Attorney which the phisher is an employee XXXX at XXXX, she decided to take my case and prosecute this criminal XXXX XXXX who works for the XXXX DA office. I asked Wellsfargo to send only the check that I wrote as evidence to the DA office, they send the claim affidavit which I was assisted in filling out at Wellsfargo. Because it was filled out incorrectly, at the last minute where the DA office was about to prosecute they drop my case due some terrible paperwork that Wellsfargo send to them. Losing XXXX in the moment when I need money the most to save my family my XXXX year old child was important to me, however, more important to me is that this criminal XXXX XXXX still got account with Wellsfargo, still look for people to prey and harm. Please help me with this. My contact number is XXXX. I decided to voice my concern here because of what 's going on with Wellsfargo Bank lately with their fake accounts, their culture of lack of oversight in protecting our country consumers.
Consumer complaint received 2017-02-03
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

We received a XX/XX/XXXX XXXX from XXXX XXXX XXXX. for an account that was " settled in full in XX/XX/XXXX '' for an old account. XXXX has stated they sent this form into the IRS and we will need to claim it as income for XX/XX/XXXX. Since the Fair Credit Reporting Act states I need only keep this information for 7 years I no longer have the settlement in full agreement. We have Never had an acct with XXXX
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (MI)

When I make my payments before the due date, the mortgage lender is rejecting the payment without even attempting to pull the money from my bank account. After the due date passes they are contacting me regarding late payment, assessing a late fee, and then accepting and processing my payment. To this point they have waived all of the late fees assessed, but I am concerned their actions may impact my credit rating or the status of my loan. They also sent back a huge portion of my escrow account, then increased my monthly payment by several hundred dollars to cover my now outstanding insurance payment.
Consumer complaint received 2017-03-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

re : Ocwen loan # XXXX for XXXX in XXXX, NY Despite repeatedly pleading guilty to NYS DFS & CFPB for mortgage servicing violations, and a court order demanding that Ocwen give us access to ALL ORIGINAL loan documents related to the phony loans placed on our home at XXXX, XXXX, NY XXXX, Ocwen has refused access to visit the loan vault in Florida were we were told the original pen and ink loan docs are kept. 

Ocwen did in fact mail us several XXXX photocopies of files that show many other loan numbers attached to our loan still on the house. But, they refuse to show us the transfer history nor the amounts paid by Ocwen to buy this loan. 

Ocwen has stated the loan is paid down to zero, creating a forgiveness of debt issue for us for the {$160000.00} value of this note and mortgage they hold. 

XXXX would like the note and mortgage assigned to him for XXXX dollars since Ocwen claims they have no interest in it any longer. 

Please authorize Ocwen to assign this loan and mortgage to XXXX. 

We also demand a complete history of the escrow account attached to this mortgage with Ocwen. XXXX of dollars was paid into and out of this escrow account and we want a full accounting with the cancelled checks of who got this money. 
Thanks so much. 

XXXX and XXXX
Consumer complaint received 2017-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I have been paying my mortgage for 15 years automatically from my bank. My escrow amount increased in 2017 so my electronic payment from my bank went out on XXXX XXXX for my XXXX XXXX Mortgage payment before I increased the amount. Obviously my XXXX payment was less than the expected amount and since it was made in XXXX the bank assumed it was an additional payment and applied it to principal. I later called the bank and paid the difference for the new escrow amount and they told me they backed out the prinicpal payment and applied both payments. They removed a late charge and all seemed fine. I got a call this morning at XXXX XXXX saying they never received my XXXX payment and it is more than 30 days late. I logged on to my account and I have paid both XXXX and XXXX 's mortgage payments in full yet they are claiming I have n't paid XXXX 's either. While this may be an honest mistake they have now ruined my credit which was XXXX before this but because they seem to think my payment is 30 days late they say they will report it to the credit bureau. I have XXXX new young children and am currently shopping for a new mortgage to get a bigger house. This obviously hurts me a lot as my stellar credit is now not so stellar. I think they need to be held to a higher standard when they have such power over peoples lives and I do n't actually think it 's an honest mistake. So just to summarize I have made both XXXX 2017 and XXXX 2017 mortgage payments in full and on time but they claim I am 30 days late on XXXX 's payment and that I have n't made XXXX 's payment. How is that possible when it shows on their website that they have received them. I think bank of america has shown in the past that they do not have the consumer 's best interest in mind and they have been reckless.
Consumer complaint received 2017-10-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Audit & Adjustment Co. Inc. (WA)

Amount of {$430.00} was owed to XXXX XXXX XXXX. Debt has now been inflated to double. I have been asked to pay interest, per state law I know I owe. Attorney fees, late fee 's and service fees are being applied to the amount owed. My state laws states that only fees can be collected if there is a written contract between the creditor and the debtor. No such contract has ever been provided to me from Audit and Adjustments out of XXXX Washington. An itemized list is not a contract of services owed. 

I have asked multiple times that they report to the 3 credit bureaus, but they have refused to provide a letter to me saying that they will report to even one once the debt was paid. 

Amount has now been inflated to {$980.00}
Consumer complaint received 2024-08-13
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. (NV)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-08-13
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. (NC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2017-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (DE)

This complaint is to blow a little steam and open the CFPB 's eyes to CitiMortgage and their CB reporting. And perhaps CitiMortgage will take a deeper dive into their own CB reporting - perhaps look through the XXXX? 

For some reason, CitiMortgage has been sending the Consumer Reporting Agencies a XXXX, which has been removing the tradeline from the scoring algorithm calculated by XXXX. I 've NEVER once submitted a Direct Dispute, so no Compliance Condition Code should be on the loan. Compliance Condition Codes are only supposed to be used when a customer submits a Direct. Even if your practice is to place a CCC on a loan with an XXXX - I 've never once submitted an XXXX either. After calling in to CitiMortgage, I think they 've removed it, but would like this double checked. 

Secondly, XXXX has my employer listed as CitiMortgage as well. WHAT? I do n't work at CitiMortgage. I have n't checked my other bureaus yet, but I 'm sure they have the same info. My thought process is that, for some odd reason, CitiMortgage is submitting an XXXX segment advising that I work there. I 've disputed this with XXXX, but as previously stated I have not checked the other bureaus and would like you to verify and make sure you are not reporting this out month over month. 

One more XXXX to pic. I 've had nothing but problems with your company since I 've taken out the mortgage. Every year, my Escrow shortage payment gets messed up, and every year, I have to call in and get that fixed. That 's probably how the XXXX was placed on my loan, or perhaps it was last year 's CFPB complaint that prompted you to place it on there, but ... I was told that you wo n't remove the escrow and just let me pay my taxes as they come in. XXXX forbid. 

P.S. I manage CB Reporting/Disputes at a financial company - so I know what I am talking about. And I know that the CRA 's mess up a lot. It 's possible that the CRA 's botched the data on their end. However, in all probability it 's CitiMortgage who is furnishing inaccurate information.
Consumer complaint received 2015-08-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

This is in response to my original complaint case # XXXX submitted on XXXX/XXXX/15. On XXXX/XXXX/15 XXXX XXXX from Wells Fargo left me a voice mail message on my cell phone letting me know that he is working on my case. My wife called XXXX XXXX back on XXXX/XXXX/15 providing her contact details if any additional information is needed for this complaint. XXXX XXXX never called my wife back. On XXXX/XXXX/15 XXXX XXXX left me another voicemail message stating that he needs additional time to research this issue. He stated he anticipated it would take no longer than XXXX/XXXX/15. On XXXX/XXXX/15 I also received an email from the CFPB stating that Wells Fargo has responded to the inquiry. I checked the update and was not happy as it stated that Wells Fargo has not been able to establish contact with me to discuss the correspondence. Additional time ( XXXX days ) is required to complete the research on this issue. I immediately called XXXX XXXX and left him an extensive voicemail in regards to the issue and that I had asked my wife to call to determine if any additional information was needed. We never heard back from him until he called again stating he needed additional time to research. 
We are creating another complaint as I do not plan on going through the same process with Wells Fargo as I did with the loan modification process. 
Wells Fargo has caused enough damage to my life financially and future possibilities to obtain credit. Additionally, they have put me through enough stress, that the least they can do is handle this situation correctly. 
I have attached a time line document with notes that were taken through out the process, letters and faxes that I sent to Wells Fargo during the loan modification process.