davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (PA)

Home Bridge Financial failed to uphold it 's part of it obligation in servicing my 203 ( k ) loan. They did not properly vet the contractor. After speaking with police, the person we thought was a contractor is a con man. He does not hold a valid contractor 's license. He can not perform any work in our city. 

As required by the HUD guidelines it is up to the mortgage company to ensure that the contractor is licensed, certified, and can perform the work required. Home Bridge failed to to this. They certified a person who had no experience with construction work, was not licensed and could not complete the work. 

That would be forgivable if it were not for what happened next. According to my agreement with home bridge as evidenced in the attached documents, and to the HUD FHA Single Family Handbook, Home Bridge is supposed to ensure that all permits have been pulled before releasing any money from our escrow account. Yet Home Bridge released more that {$35000.00} to a con man without a single permit being pulled. In fact there is literally no way the " contractor '' could have gotten a building permit since he is n't licensed. 

When I begin to have issues with the contractor that seem insurmountable I contacted Home Bridge. Up to that point I thought I was dealing with a licensed contractor who was working legally. Our HUD consultant told us that the work was done and getting done correctly, and we, being completely new to this process believed that. It was not until it was pretty obvious that something was wrong that we realized it. 

We went to License and Inspections to try to get more information. It was then that we discovered that there were no permits on our property. In fact no one had ever tried to apply for a permit in at least 4 years. Confused and angry we called Home Bridge. 

We knew that we had signed a document that stipulated that money could n't be released without permits. We knew that money had been released. And we knew that no permits were submitted or granted. We did not yet know that this person was not even licensed. 

Home Bridge flat out denied that they had any obligations to check out our contractor 's background. The also denied knowing if permits were required before the draw. They denied that the HUD FHA Single Family Handbook had any guidance on their procedure. I have sent them numerous emails. I have  made several phone calls, and i have tried to work this issue out with them. 

What upsets me most is Home Bridge, despite violating our contract and the FHA guidelines, demands that I and my husband pay for their mistakes. Even if we did " pick the contractor '' we did so in good faith and from the position of first time home owners. Home Bridge was supposed to be a check on our inexperience. They we supposed to make sure this situation did n't happen. Instead it seems as though the did not do what was required of them and are content to ignore the issue while demanding that we pay them money they had no right to give in the first place.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The two accounts below are paid in full. they have been paid in full for a month and they refuse to change even though I have proof they are paid off. 

XXXX XXXX XXXX XXXX Balance details 8 % paid off Balance {$36000.00} Balance updated XX/XX/year> Original balance {$39000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXXXXXX XXXX  Account type Auto Loan XXXX XXXX XXXX XXXX Balance details 8 % paid off Balance {$32000.00} Balance updated XX/XX/year> Original balance {$35000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXXXXXX XXXX Account type Auto Loan
Consumer complaint received 2017-11-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (AL)

I have been trying to change payment dates with Lending club for several months. I took out a personal loan in XX/XX/XXXX. I made on time direct deposit payments. I started a new job in a new state in XX/XX/XXXX and that move threw off both my pay dates and I winded up changing my bank account out of necessity which caused my direct payments to be off. I have called and sent a letter by certified mail ( XX/XX/XXXX ) to address this issue. They have refused to compromise in any way while reporting 30 days late SIX times since XX/XX/XXXX. 
Late payments XX/XX/XXXX 30 days late XX/XX/XXXX 60 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late I have made payments each month trying to get back on track but I ca n't unless they make a payment arrangement to change the payment date. Now I am unable to get a new loan from someone else to erase the 30+ % interest rate that I didnt know that I had and start over and I cant start over with Lending Club . I dont know what else to do. Please help.
Consumer complaint received 2017-11-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (TX)

I continue to receive pre legal notifications from this company XXXX XXXX XXXX XXXX, XXXX. This is the second attempt to make a monthly payment settlement with them but they do not want to make a deal. I continue to receive this threatening letters used for intimidation.
Consumer complaint received 2017-09-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Received phone calls collecting on a debt. I notified Portfolio Recovery that the debt was past California Statue of Limitations and that the negative comment on my credit report with XXXX must be removed. 

Accounts : 1. ending in numbers XXXX amount {$1600.00} 2. ending in numbers XXXX amount {$1400.00}
Consumer complaint received 2024-10-11
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. (FL)

Im processing disputes on my credit report to delete & remove all invalid an inaccurate information that is reporting to my file. I have been a victim of identity theft. None of the accounts listed are following the FCRA guidelines. This has caused major effects to my credit report please review an remove the accounts listed to clean my credit report asap
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, 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. (NC)

I am writing to dispute the following information in my file. I recently received a copy of my Experian credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to the none of the aforementioned permissible. Please remove them. 

-XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX XXXX Inquiry : XX/XX/XXXX -XXXX  XXXX Inquiry : XX/XX/XXXX -XXXX XXXX, XXXX Inquiry :XX/XX/XXXX -XXXX  XXXX Inquiry : XX/XX/XXXX -XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2017-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I applied for this product online and this is what I agreed to. XXXX XXXX XXXX # XXXX There is no annual fee and there is supposed to be a spend promo at {$500.00}. I contacted capital one on XX/XX/XXXX regarding fee and they stated its a part of the terms of the account and I was provided an address to send a letter. I also mentioned the fee of {$39.00} in comparison to a credit limit of {$300.00} seemed excessive and was told its a part of the terms of the account. 

Then on XX/XX/XXXX I contacted them to see how far away I was from the spend promo of {$500.00} and was told this did not apply to my account. As you see from this link this card should not have an annual fee. I applied online but had to call in to approve the application and did not request any changes. Their customer service is of little help and they are XXXX bent on saying I approved this fee when i did n't and this offer does n't apply and no other explanation. 

My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX delaware XXXX phone XXXX last 4 of ssn is XXXX
Consumer complaint received 2017-12-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (FL)

I 've spoken with a customer service rep from my servicer previously and the issue has not been resolved. The servicer has continued to not issue statements to me for my student loan balances. I did not receive statements, or even notice that statements were available, for the months of XX/XX/XXXX and XX/XX/XXXX. The servicer has created statements after payments were due and loaded them into my electronic account. As shown in the attachment ( see Discover Statements ), no statement has been created for the month of XX/XX/XXXX. The statement dates are typically the XXXX of each month and I usually receive an email notification that it is available on the XXXX of each month. There are two Regulation Z violations here : 1026.41 ( a ) ( 2 ) and 1026.41 ( b ). 

In addition, I received a call from Discover this morning stating that I have past due payments for the last two months. This is untrue and I have actually made two payments in the past three months well beyond the minimum amount due, including one payment of {$5000.00}. I asked to speak with a supervisor and he acknowledged that this was an error and that I have not missed any payments ; the servicer simply has not properly applied my balance. As a result, I consider the call I received this morning to be an abusive collection tactic ( XXXX ). 

I have attached a document ( Discover Correspondence ) showing all correspondence issued, in the past several months. Letters include confirmation of one-time payments, which they identified my payments as such because no payment was due ( since the servicer had not created statements for those months as of those payment dates ).
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX and XX/XX/XXXX, I mailed in my documents to experience because the upload portal that they have not allow me to upload anything at all so I mailed it in. I mailed everything they requested so after not hearing back I called and apparently someone named XXXX was assigned to my Account and she claims to have sent me emails about something I was missing which was a utility bill and I know for a fact that I mailed a bill into them so I explain to her that the website that allows upload was not allowing me to upload, and so I asked her if she could possibly go look at my account and fix whatever maybe wrong with it so that I can upload The document that Claim was missing, she completely ignored me. Look at my account and said she would reach out to her supervisor to see if I could email the documentation she claims to be missing. She told me she would give me a call the next day with detail if I could email it she never has returned my call or sent me an email. I know that under the fair credit act For human trafficking victims is a four day turnover time to get this processed and it has been nearly 2 months and I have yet to hear anything from anyone at Experian meanwhile, XXXX XXXX and XXXX took care of this in a very timely manner within two or three days
Consumer complaint received 2017-08-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CCS Financial Services, Inc. (NY)

I am currently in the process of attempting to get a mortgage. My mortgage was originally derailed in XX/XX/XXXX when an account for a collection from XXXX iXXXX XXXX showed up on my credit report, which tanked my score. This account was reported to my credit without the collections agency ever contacting me via phone or at my current address. I called the collections agency to clear this up, the agency admitted that they were in the wrong, and they agreed to delete the account from my credit report. This was on XX/XX/XXXX. I have made multiple follow-up calls to the credit reporting agency to inform them that the account is still on my credit report. They assured me they sent the deletion notice ... once on XX/XX/XXXX and again in XX/XX/XXXX. Still, the account remains on my credit. I contacted XXXX to resolve this over the phone after the collections agency sent me a letter confirming the deletion. XXXX said that in order to even look into the issue, I would have to file a formal " dispute. '' I explained that I could not do that as it would further delay my getting a mortgage because the dispute process can take up to 30 days and that the bank will NOT issue a mortgage with an open dispute on my credit report. XXXX 's representatives and supervisor subsequently refused to do anything about the issue, saying I would have to file a dispute. This is despite my offering to furnish the letter from the credit reporting agency, or to join in a conference call with the agency to confirm deletion of the item. XXXX wants me to engage in a dispute process that could take 30 days and will further delay the mortgage, after their error, and the error of the credit reporting agency. I want this account OFF my credit report NOW or I want damages for the full value of the mortgage, rental incomes into perpetuity, and damages for intentional infliction of XXXX XXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX
Consumer complaint received 2017-11-25
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRANSWORLD SYSTEMS INC (IL)

Back in 2015 XXXX XXXX tried to sue me for some past student loans. I tried to dispute them, but was unaware of the law at that point. Many of the loans in question were reaching or been expired based on the Illinois statue of limitations, however that did not stop them from hiring XXXX XXXX XXXX, pc. Upon trying to serve me they hired someone who came to my door at approximately XXXX XXXX on a week day and stated he was a member of local law enforcement. When I asked him to show me some identification through the peephole he refused, and I then called the actual police on him. At which point he stated he was not a part of law enforcement and told them he was there trying to deliver me some papers. He never specified what the papers were, the police officer had to stand in between myself and the guy and asked if I wanted to sign for the papers I said no, and that I did not want them. I had no idea what they were and because he has scared me and my kids, I wanted no parts of it. The police then instructed the guy to leave, at which point he did. It wasn't until I got a letter from the courts saying that the company was given a default judgment against me and I went to the courthouse, did I learn that he was trying to serve me. I told the judge I was not properly served and she told me I had to file some paperwork. At that time I did not have the money to file and was as a result have been getting garnished by XXXX XXXX XXXX on behalf of XXXX XXXX. As of recently I read that they are being sued for improperly filing cases against clients. Since then they have been ordered to stop collecting, however, XXXX XXXX is still actively garnishing me and has been since 2015. They have taken over $30k from me unlawfully. Also, XXXX XXXX XXXX has been over charging me and collecting more then what was originally stated on the court documents. Since the lawsuit, they have not recertified the garnishment through the courts, something they are supposed to do every 90 days, but have been garnishing me based on the last recertification which was more then 3 months ago. I have tried to contact XXXX XXXX XXXX several times and they refuse to provide me with the documents requested and they keep using the garnishment as proof that I owe this debt. My rights have been violated and I need help to get my money back and stop them from garnishing me any further.
Consumer complaint received 2017-09-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I currently have a Pick-a-Payment loan with Wells Fargo. Although this product is no longer offered through Wells Fargo, it has been grandfathered into their loan products.
My loan was originally with XXXX XXXX, when I discovered the negative amortization feature of the loan, and saw my principal consistently increasing, I attempted on eight different occasions to obtain a loan modification.
The first seven times I was told that my debt-to-income ratio did not allow me to qualify for a modification. I then did all I could to mitigate my circumstances, by going back to school and receiving a XXXX 's Degree in XXXX XXXX and a XXXX XXXX XXXX XXXX I have a four bedroom home and my adult daughters have moved back home to rent out their old bedrooms and help with utilities. My nephew has moved in as well and is renting our family room for his bedroom.
The last time I applied for a modification, I was told that my total income allowed me to make my Principal and Interest payments. However, the P & I that was used on the NPV worksheet, was the minimum payment {$3900.00} of the Pick-a-Payment loan, and not the full principal and interest which was {$5300.00}.
When I appealed their denial, based on the inaccurate P & I used, Wells Fargo explained that they were able to use the minimum Pick-a-Payment amount, and stood by their decision of denying the modification request.
The last three times I applied for a modification, I was told, and received a letter, that stated an Escrow amount for the property tax and homeowner insurance would be establish and last the duration of the loan.
Then after the denial I received a letter that stated I had to bring the escrow balance down to XXXX. To do so, the payments were spread over a set period of time and resulted in a drastic increase of my monthly payments.
After the appeal, I was told that they unknowingly had extended the Pick-a-Payment option and I would now have to pay the full P & I + escrow. This was an increase from {$3900.00} to {$6800.00} a month.
My extended family helped me to make the first two {$6800.00} payments, however, I have exhausted all of my resources and am unable to make another {$6800.00} payment. I am currently two months behind, and have over {$4000.00} in late charges. My original loan amount has increased by over {$100000.00}.
I desperately want to keep my home, and only want P & I payments that I can afford.
I read an article dated 2015 that explained the class action lawsuit you filed on behalf of Wells Fargo customers who have had similar experiences with the Pick-a-Payment loan, and was wonder if it 's to late for me to use the case for some type of recourse, so I can keep my home.
Consumer complaint received 2017-09-11
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: EQUIFAX, INC. (TX)

According to equifaxsecurity2017.com, both my wife and I were part of the recent Equifax data breach. In exchange for lax security that led to release of our SSNs, DOBs, full addresses, and? driver 's license numbers, Equifax is offering ONLY free credit monitoring that will notify us AFTER someone has improperly used our data. Equifax offers nothing to PREVENT improper use of our data from occurring. 

Despite Equifax ' negligence with out private data, we must STILL pay {$10.00} to each of the 3 major credit bureaus to proactively freeze our credit reports to avoid fraud. We must then pay {$10.00} to each agency whenever we want to temporarily thaw our report.
Consumer complaint received 2017-09-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (GA)

I HAVE A SAVING ACCOUNT WITH ALLY BANK. BANK CLOSE STATEMENT XXXX XXXX OF EVERY MONTH. TODAY, XXXX. I DID NOT RECEIVE MY STATEMENT BY XXXX. I CALLED THEIR CUSTOMER SERVICE BUT THEY NEVER CO OPERATE WITH CUSTOMER. THIS BANK HAD A VERY BAD CUSTOMER SERVICE. I CLOSED MY OTHER ACCOUNT IN XXXX XXXX BECAUSE OF THEIR HORRIBLE CUSTOMER SERVICE.