davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-23
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. (OR)

XXXX XXXX / XXXX XXXX reported that I am 30 days late to credit reporting bureaus even though I had made arrangements to pay late with a promise they would not penalize me. I paid as promised and they reported me 30 days late anyway. Their agreement with me was extremely misleading and this was the first time I was in this type of situation with my payment and I have been a good customer. Please have them remove the late payment on my credit reports.
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (OR)

XXXX XXXX / XXXX XXXX reported that I am 30 days late to credit reporting bureaus even though I had made arrangements to pay late with a promise they would not penalize me. I paid as promised and they reported me 30 days late anyway. Their agreement with me was extremely misleading and this was the first time I was in this type of situation with my payment and I have been a good customer. Please have them remove the late payment on my credit reports.
Consumer complaint received 2017-07-23
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: EQUIFAX, INC. (GA)

On XXXX XXXX 2017 I sent a certified letter to all three credit bureaus stating that I had multiple inquiries on my report I did n't recognize and I did n't authorize these inquiries. I have yet to hear back from the companies. I decided to call Equifax on XX/XX/XXXX, and was told they received my certified letter but they put the information in wrong and they will start the investigation all over. I was never notified of anything prior to calling on this day from either XXXX, XXXX or Equifax.
Consumer complaint received 2017-08-29
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: Experian Information Solutions Inc. (CA)

Experian has failed to provide valid proof that they verified the accounts in dispute. I 'm filing a lawsuit for all the violations. By law you can not have accounts on my credit report that you can not provide signatures for once disputed. Unless removed I 'm suing for all violations. Please refer to documents attached.
Consumer complaint received 2017-07-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

I received a copy of my credit report and noticed I had a debt reporting from this company Midwest Recovery. I reached out to this company by certified mail on XX/XX/XXXX to validate this debt. This company signed for my letter on XX/XX/XXXX but have not sent anything back in regards of validation. i received notification from XXXX that my account from Midwest Recovery was marked as " disputed '' so I reached back out to this company by certified mail on XX/XX/XXXX to get validation and this company signed for my letter on XX/XX/XXXX. I then disputed Midwest Recovery through the actual credit bureaus and they deleted it off one bureau but stated it was verified through the other 2 bureaus which is not fair! Here it is XX/XX/XXXX and I have still yet to receive any type of notification, communication or validation from this company. I also have attached all communication letters, certified time stamped signatures that was sent to this company to validate what I am saying. This company is a fraud because this company is ignoring the fact that I am requesting validation that they must not have. It is by law by the FCRA that I can request validation and it must be sent to me. I have never received any type of communication from this company before they reported this on my credit report. this company did not give me any time to validate this debt. I am not sure who this company is and how do I owe them. I never signed a legal bonding contract with this company to owe them any debt, I have never done business with Midwest Recovery.  I have the right to demand to see a signed contract between Midwest Recovery and myself. If this company is hired by a 3rd party company, I request validation and not verification of the debt. meaning a signed contract from the original company and not a bill. a bill is not considered proof of a debt. This company has blatantly ignore more request as a consumer in which I had rights too. I will be issuing out additional complaints as well through the BBB & Attorney General. As a consumer with rights, it is not fair to be ignored, pushed to the side and not provide validation of what you are reporting on my credit report.
Consumer complaint received 2017-08-29
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: EQUIFAX, INC. (UT)

Equifax continues to report that collections from XXXX XXXX XXXX are mine. Those collections are at XXXX blaance and never got old enough to be collections, XXXX company has agreed and said that they sent requests to have them removed from my report. Equifax is clearly not verifying ANYTHING with this company because they continue to report these as past due. They have been removed from my report in the past and then added again, which I believe is illegal.
Consumer complaint received 2017-07-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NM)

i a XXXX XXXX vet and with this i an entitle to a tax break from the state of new mexico this i received the first of XXXX. I receive a certificate from XXXX XXXX XXXX stating that i would received a tax break on my house Account number XXXX.
Now my compliant is that Wells Fargo has not shown this on my invoice if my tax status change then my escrow account should change this wound decrease my house payment. This has not happen yet and when i called Wells Fargo they informed me that my house payments were going to increase. I did not ask fro this but it was offer by the state of new mexico And i thank them for there help.
But why dose Wells Fargo not honor this tax break and help me out?
Consumer complaint received 2017-07-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (WV)

XXXX aka Credit Bureau Systems has repeatedly placed several inaccurate invalid and disputed debt onto my report. I HAVENT RECEIVED THE FIRST BILL FROM THEM FOR ANY ACCOUNT. They have several amounts they claim I owe. I dispute the debt, I win the dispute, and then XXXX Credit Bureau Systems XXXX XXXX XXXX KY XXXX opens up several new accounts and changes the account number and places it back on my report as debt owed. I disputed XXXX XXXX ( 3 debts ) to XXXX and XXXX XX/XX/XXXX and XX/XX/XXXX. I called them early in XX/XX/XXXX, and sent a letter to them in XX/XX/XXXX regarding CBS. I won the dispute XX/XX/XXXX and it was deleted. I posted a letter I sent to XXXX about CBS. CBS placed it back on my report with a new account number after I disputed it and it looks like a new debt owed. I called XXXX Fraud Dept and the lady stated I would have to contact them, and that yes they were reporting old  disputed deleted debt making it appear to look new again by changing the account number and changing the amount owed slightly. This debt of XXXX XXXX went back onto my report as a debt of XXXX XXXX  in XX/XX/XXXX. So did 3 other debts of XXXX {$120.00} $ and XXXX XXXX They just make up new accounts and place it right back on the account, it does n't matter if they can validate it or not. Also they break HIPPA by giving out medical information to public about people. I 'm suing and I 'm asking for an investigation please! These people are criminals!
Consumer complaint received 2017-07-23
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. (NC)

I previously submitted a complaint against XXXX XXXX XXXX XXXX located at XXXX XXXX, XXXX, OH XXXX for incorrectly reporting an account that was included in my bankruptcy as a charged off account. The president of the company wrote back to the CFPB stating that my account had indeed been marked as included in bankruptcy even though he did not address the fact that his company would periodically change the remarks on the account and had not yet updated the reporting on Equifax and XXXX. I then submitted disputes to both agencies regarding this account because I had spoken to an XXXX XXXX employee about a month after the president sent the letter, and she told me that they were not going to reflect my account as part of the bankruptcy. I have had no contact with the company except to dispute mistakes on my credit report so this account should have fallen off my credit report XX/XX/XXXX ( seven year mark ). All other bankruptcy related accounts have already dropped off. But every time my XXXX XXXX changes the reporting on my account, the date of last activity changes, and the date of removal is pushed back another year. 
In one day, my credit score dropped almost 100 points for negative activity that occurred in XX/XX/XXXX. When they update my account, it makes it seem as if the negative activity occurred recently not in XX/XX/XXXX. This account is scheduled to remain until XX/XX/XXXX; I asked both agencies to remove it citing the bankruptcy, and they did not. All they did was update the account as included in bankruptcy.
Consumer complaint received 2017-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On  XXXX   XXXX , I went to Bank of America to close my deceased mother 's checking account. I gave them her death certificate and letters testamentary showing that I am the executor. They told me they would send it to their estate dept, I would hear from someone withi n 48  hours, and that the process would take 10 days -  2  weeks to complete. After about  2 w eeks I called them as I had not heard from anyone. The  manager  told me that I needed to fill out more paperwork, have it notarized and bring it in. I did all this and she told me that I should receive a check in 10 days  - 2 wee ks. After  2 1/2  weeks I called again to find out why I had n't received anything. After checking with the estate dept., she said that someone finally looked at the account and realized that it was left to the family trust, so we would need to start over again and a ll 5  trustees would need to fill out new forms, notarize them and send them back. SOMEONE FINALLY LOOKED AT THE ACCOUNT  FIVE  WEEKS INTO THE PROCESS!!! This was on  XXXX   XXXX , and the  manager  said she would mail the forms that day. My sister finally received her paperwork postmarked  XXXX   XXXX , over a week later. This has taken almost  two  months and still no resolution. We have been lied to and deliberately delayed.   Bank of America is making this process as difficult as possible, and dragging out the process as long as possible, either willfully or through complete incompetence. I believe they want to keep the money as long as they can.
Consumer complaint received 2017-07-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CIT BANK, NATIONAL ASSOCIATION (MT)

I am encountering difficulty with OneWest Bank, a division of CIT Bank, N.A. <P/>My mother XXXX XX/XX/XXXX of this year leaving the proceeds of an IRA to be divided amongst three beneficiaries. One of the three was already XXXX, the bank was given proof of this along with mother 's XXXX certificate. <P/>As my wife and I have been retired for some years now, my desire was to have OneWest Bank cut a check and mail it to me in Montana. OneWest Bank insists that in order for me to receive this inheritance I must open an IRA with them so that they might transfer the funds to that account in order to close that account ( a {$25.00} fee ) to send me a check. This being their policy. This strikes me as being both circuitous AND superfluous. <P/>What can be done to facilitate matters in this situation, getting them to simply send the specified amount?
Consumer complaint received 2017-07-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

After 5 years of trying to obtain a modification from my lender, BSI Financial Services, I was granted one in XX/XX/XXXX. My 1st payment was due on XX/XX/XXXX with a 10 day grace period. I sent my payment in the form of money orders, certified mail, on XX/XX/XXXX. On XX/XX/XXXX, I called my loss mitigation specialist, XXXX XXXX to confirm the receipt of payment. She did not answer, so I left a message and sent an email. I called again on XX/XX/XXXX and XXXX XXXX answered. I asked if my payment had been received. She said no. I told her that I sent the payment certified mail and the post office told me that the payment had reached its destination. I also told her that I called XXXX XXXX to see if the money orders had been cashed. They hadnt. I informed her that I had taken pictures of the money orders after I filled them out, before I mailed them. She asked me to email her the picture. I did. She confirmed receipt of the email. I called and emailed almost everyday for the remainder of that month asking if the payment had been received. On XX/XX/XXXX, I called BSI to make my second payment over the phone using my debit card. My call was answered by XXXX ext : XXXX in XXXX PA. He told me that he could not accept my payment because there was a code on my account that needed to be removed by my loss mitigation specialists. I asked to be transferred to my specialist, but XXXX XXXX was not available. I left her a message letting her know that I was having issues with their system and to please advise me as to what I should do. Over the next week I called 5 times, but was unable to reach XXXX XXXX. Finally, on XX/XX/XXXX I was able to reach XXXX XXXX and she told me that BSI would not accept my second payment because my first payment had not yet been received which meant it was late and I had defaulted on my agreement. She said the agreement was now null and void and BSI would reinstate foreclosure proceedings. I told her that my payment not being received was not my fault and that I had sent it certified mail. She said they hadnt received it yet, and the matter was out of her hands. Later that month, when I received my next billing statement it reflected that my payment had been received and applied to my balance. I have been trying since XX/XX/XXXX to obtain another modification, but BSI has been completely uncooperative. BSI has been trying ever since to foreclose on my home, to the point that I have had to file for bankruptcy protection. I am currently in Bankruptcy. I am not asking for special treatment, I simply want the modification I was promised and worked so hard to obtain so that I may keep my home.
Consumer complaint received 2017-07-11
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: ALLY FINANCIAL INC. (WI)

I recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on XX/XX/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but XXXX stated that in fact is not the case. Nothing else has changed on my ( XXXX ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted XXXX XXXX who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow XXXX XXXX to run my credit. Other banks that have run my credit without my authorization include : Ally Financial inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX, and XXXX XXXX via XXXX XXXX XXXX.
Consumer complaint received 2017-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

My current loan servicer obtained my loan while it was in default from    XXXX   XXXX   XXXX   .   I have sent numerous RESPA letters to try to obtain my entire loan history. However,  XXXX  can only provide their servicing documents and escrow account documents. The monthly loan records from    XXXX   XXXX   XXXX    and the original servicer   XXXX   have not been produced.  XXXX  offered me a Trial Modification and the letter states that " Funds  may  be held in a non-interest bearing account until they total an amount that is enough to pay the oldest delinquent monthly payment.   XXXX   can not provide a schedule showing the monthly amounts due to effectively apply the Trial Modification Payments.  <P/> In addition, their foreclosing law firm,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX . did not send a Notice of  Default  and 30 Day Right to Cure letter. Copies of the attached letters have been sent to the foeclosing law firm requesting a loan history and they as the debt collector can not provide such information either. Why is the loan history since inception of the loan missing?
Consumer complaint received 2017-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have written 3 letters regarding Unverified accounts reporting XXXX times and different amounts and dates. I 'm asking for the CBR 's by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts they post on my credit report to assure maximum accuracy. The failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C SS 1681, unverifiable proof
Consumer complaint received 2017-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I made a phone call requesting a replacement debit card for my lost card. I received the new card on Monday XX/XX/XXXX at XXXX. I activated over the phone that night. The next morning I tried using the new card it was declined. I called Citibank and I was told I would be sent another card. I then went to a close branch on XXXX XXXX XXXX XXXX and was told I could not withdraw any money from my account. I am actively being denied access to my money. I have XXXX children to take care of and I need my money.
Consumer complaint received 2017-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (GA)

National Credit system is attempting to collect a debt that I never establised a contract with them XX/XX/2001 of a balance of XXXX and a balance of XXXX. They placed the negative item onto my XXXX credit report file which is a false witness to my name. They are violating the FCRA law and the status of limitation to collect a debt
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (IA)

I purchased a beach front condo on XXXX XXXX XXXX XXXX XXXX of XXXX. Replacement of Beach Front property in Florida is less than the value of the property. To replace the Condo building with six units is around 900k, my  interior would be XXXX to replace. However the ACV value of the property for a beach front condo is XXXX. I put over 50 % down and financed through XXXX. We closed on the property and XXXX sold the loan to Dovenmuehle Mort Inc. We had problem from the start which is another story since they are very hard to contact anyone with authority. The real issue now is the condo association carries the flood insurance on the unit which was underwritten and agreed when purchased with XXXX. Since Dovenmuehle purchased the loan they have been demanding I buy additional flood insurance to protect their interest, IE pay off coverage. At first they bought a policy for the balance of the loan from a Carrier called XXXX for XXXX but the Carrier cancelled coverage within one day. I am sure they recognized with a replacement cost policy on the building this was a moral hazard by the finance co. The company continues to harass me to buy a flood policy when I have already provided proof the condo carries the insurance of which my association dues partly pay.I just got a letter today, dated XXXX XXXX XXXX that they again purchased a policy for their interest and may pass the cost onto me. My HO 6 policy for replacement of the interior is would only be XXXX, when I spoke with them a month ago they wanted me to buy a policy for over 100k, that conversation took place by phone with a rep and manager. When I asked to speak to the department head I was advised she does not take phone calls. Insurance does n't work that way but they do n't seem to understand. I never chose to do business with this outfit, now they are reunderwriting the loan. Pretty sure I would have backed out of it Dovenmuehle Mortgage was the lender.