davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On or about XX/XX/XXXX I received a notice of default from Bank of America. I immediately began contacting their loss mitigation department. My call were all routed to a voice mail of XXXX XXXX. I left an upwards of 75 voice mails for XXXX XXXX over 45 days without any contact back from her. In early XX/XX/XXXX I received a loss mitigation application from BOA. I promptly completed it and faxed it to them on XX/XX/XXXX which is 54 days before my initial sale date. On or about XX/XX/XXXX I received a rule 120 summons from their counsel XXXX XXXX XXXX XXXX XXXX. The attorneys were XXXX XXXX and XXXX XXXX. I immediately let them know that I was seeking loss mitigation and they stated they have no way of contacting their client to let them know that. I forwarded them the application as well so that all was informed of my intentions. The summons from the law firm was received on XX/XX/XXXX and required an answer be filed on XX/XX/XXXX which in itself was impossible. I continued to communicate with the law firm as could n't get anyone from BOA to speak with me. Finally on XX/XX/XXXX I received a voice mail from a new single point of Contact XXXX XXXX. I promptly called her back but we have yet to speak as of the date of this complaint. On XXXXXX/XX/XXXX i received written confirmation that they received my application and would not proceed with a foreclosure sale and if any other documents were needed they would provide a date in which I would need to get those to them. 
Fast forward they are proceeding with a foreclosure sale and have provided no date in which I must get them the items. They are dual tracking my mortgage and colluding with XXXX XXXX XXXX to foreclose my mortgage. I beg the CFPB to intervene and assist in helping me. I had my application to them 54 days in advance of the sale date and statute only requires 37 days. Furthermore they confirmed in writing they received it and are failing to honor their written committment to me.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2017-11-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS LENDING CORPORATION (MI)

We were supposed to close on XXXX XXXX XXXX and the mortgage banker had assured me every step of the way that we would close on time. Regardless of what the reasons and excuses were, we had completed everything on our side in a timely and orderly fashion. It was however, the mortgage banker 's responsibility to make sure everything on his end would go through, as well as plan for contingencies as this is part of his job responsibility. In addition to the failure to close on time, I was also assured several times by the mortgage banker 's supervisor that we would close on XXXX XXXX which then changed to XXXX XXXX. Subsequently we were not able to get possession of the house due to the title company that Nations Lending chose, which could not get everything completed on time. And to add more insult to injury, closing was scheduled at XXXX and the mortgage banker did not inform me that the title company on our side was rescheduling at XXXX, which then delayed taking possession of the home to the XXXX and made us look like fools at the closing table when the seller 's side had showed up with their title company. This has caused a moderate amount of hardship due to having to reschedule moving plans which increased the moving costs, days off for my wife that can not be taken back which were wasted, and general financial problems and stress as a result of this. Nations Lending supposedly prides itself on excellent customer service, and I feel that I have not received excellent customer service. All I got were irrelevant excuses. At best, the customer service was below subpar. 

In addition to the above, the mortgage banker that was working with me supplied me a different customer 's personal information which is a breach of privacy.
Consumer complaint received 2018-01-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (VA)

Due to an error in my bank account, a scheduled mortgage payment could n't be processed and was returned to the mortgage company, Flagstar Bank. Unfortunately the payment was scheduled while I had some funds coming in and some going out. This was the first time this happened. I have since received a letter from the bank informing me that I can no longer make online payments, and now funds need to be received in certified funds. The problem is, my mortgage payment is so high that when I go to either purchase a money order or send money via XXXX XXXX it is flagged as suspicious activity or exceeds the amount I 'm allowed to send. It seems incredibly unfair that, not only do I get slammed with a Non Sufficient Funds fee, but then the easiest way to pay the mortgage is taken away. I spoke with Flagstar Bank and they refuse to restore online payment, despite my explanation of how this is complicating sending my payment in.
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NC)

I have Paypal here to service my XXXX XXXX.    XXXX
I have used you about 7 years and all of sudden had 4 chargebacks in one month.  The first $XXXX  I didnt even recognioze the customer but they said maybe someone paid with a stolen card or their grandmothers card.  I called you 2 days and each time wait hours on phone.  I asked would they ask the dispute if they had card stolen and they said they would but they didnt.  They were not going to help so I just paid the $XXXX and they waved the $XXXX  chargeback fee.

I then got 2 chatgbacks from the same customer  XXXX XXXX on different days and I called him and he said he didnt dispute anything so he came and paid me but I had to pay 2 chargback fees.;  Please read the following email from XXXX.  He nor his credit card issujer have no idea why the money he paid was sent back   So Paypal is Gyping me out of fees.  The customer sedrvise is antagonistic n and I have probably lost 2 customers.;     this is XXXX email

Re: Case update: Case XXXX XXXX	   
Tue, XX/XX/XXXX XXXX XXXX XXXX XXXX (XXXX)
To:you Details
XXXX, I called my XXXX XXXX customer service and asked them for any disputed charges from PayPal. They said that there were 2, $XXXX charges in XX/XX/XXXX from Paypal, XX/XX/XXXX and XX/XX/XXXX. But for some reason Paypal credited the payments back to the account on XX/XX/XXXX, but they didn't have a reason why. So, the charges did initially go through, according to my XXXX XXXX customer service. They wanted me to call Paypal and find out why the payments were credited back to the account. I did try calling Paypal, but they were not too cooperative since it was not my account. Please let me know what you find out.

XXXX XXXX 
XXXX 


-----Original Message-----
From: XXXX 
To: XXXX 
Sent: Sat, XX/XX/XXXX XXXX XXXX
Subject: Re: Case update: Case XXXX XXXX

Or I thinnk you can call Paypal resolution center and give them the case numbers and they will tell you what to do.   I can not close the case from my end becausae as far as they are concerned it was opened from your end  so they resolved the case by taking out the funds (and thats ok because you paid me but they also have $XXXX charge back fee for each which I paid......... here are the 2 cases again
Case ID: XXXX
Case ID: XXXX


XXXX XXXX   XXXX   XXXX
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I attempted to investigate the information with TransUnion based on some new information I found where they had failed to comply with Section  609 [ 15 USC 1681g ] o f the Fair Credit Reporting Act and since I had filed a dispute within 120 days TransUnion would not accept my online dispute. To make sure it was n't in error, I tried it from a different computer and was given the same response. They are violating my rights to have these accounts physically verified as is my right under the law.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX, 2017 I sent a letter to Transunion asking what information they used to validate the following information on my credit report that they were reporting as verified. 
( XXXX XXXX XXXX ). I am submitting this complaint because I have a problem with Transunion investigation into my dispute. I was never given the 30 days by law to dispute the account before it entered my credit report. After having submitted via writing on XX/XX/17 the dispute. Transunion is reporting this as verified buy the company isnt legally allowed to collect in my state. and I havent been sent the information used to verify said debut. Per the FDCPA Once my letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. And since they have not supplied said information all collection information needs to stop.
Consumer complaint received 2018-01-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

I submitted all of the information to surrender the property to the bank (JP Morgan Chase).X/X/2018 All information was sent to them at XXXXAmount owed on the property is $XXXX the owner XXXX XXXX. XXXX is in the XXXX XXXX XXXX and can not afford to pay the mortgage. I am serving as power of attorney and meet with the officers of the Bank and was informed that a surrendering letter along with Durable Power of attorney was needed to surrender the property along with proof of XXXX XXXX is  living in the XXXX XXXX.  They have not accepted the documents and keep stating they have not received them. I have emailed them and faxed them with the bank managers XXXX XXXX XXXX. The main person at Chase that is giving me the run around is XXXX XXXX XXXXXXXX XXXX XXXX the fax that he had me send the documents to was XXXX
Consumer complaint received 2018-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

There are things on my credit that I have already taken care of, and they have taken some things off of one reporting agency, but not the other ones.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (LA)

I am writing to formally request validation of the debt referenced in your recent correspondence regarding an account originally held with Wells Fargo Card Services in the amount of {$6300.00}. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt you claim I owe. Please provide the following information : The amount of the alleged debt. 
The name of the original creditor ( Wells Fargo Card Services ). 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A copy of the original agreement or contract that obligates me to pay this debt. 
Any other documentation that supports your claim. 
I dispute the validity of this debt and request that you cease all collection activities until you provide the requested validation. Additionally, please refrain from reporting this debt to credit bureaus during this verification process. 

I appreciate your prompt attention to this matter.
Consumer complaint received 2018-01-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: EMG ACQUISITION GROUP, LLC (LA)

I set up payment arrangements with XXXX at EMG. She then reopened my loan instead basically renewing it. Since then I have been unable to pay. At this point they have now called my references and told them that they are COLLECTING on a loan. This was private information. They were only supposed to call the references to tell them that they needed to speak with me. Now everyone knows I can't pay my loan there. They called XXXX XXXX and spoke with her on the phone stating multiple times that they were calling to collect the money I owed. I am not ok with this.
Consumer complaint received 2017-06-19
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. (MD)

I have a fraud alert placed on my credit files, that indicated anyone who runs my credit report needs to call me and that was n't done and that violated my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advice of the credit being pulled without my permission.
Consumer complaint received 2017-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (LA)

On XX/XX/XXXX I checked my credit report and found the company diversified consultants on their as a debt I owed. I called the company and was told I had to pay the amount requested {$1300.00} or I will get sued. I explained to the guy XXXX that this debt did not belong to me. So on XX/XX/XXXX I mailed a certified letter to the company asking them to validate the debt and send me the signed contract and copy of my photo ID. They in return sent me a bill from XXXX. Which shows a address which never belonged to me. I have never lived in Utah. 
I called XXXX on XX/XX/XXXX trying to get information about this bill. They kept transferring me all over the place and then finally told me they could not give me any information without the account number and address on file which I did not have because it was not mine.
Consumer complaint received 2018-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

My complaint is multi-faceted. 
1. I am in the Public Service Loan Forgiveness Program. The count of months of payments provided by XXXX XXXX is quite different than my count. I have sent email messages to them requesting clarification and have never received responses. 
2. I recently changed jobs and my income based payment needed to be recertified. I provided the documents to them and was emailed a letter stating that I would receive a letter in the mail telling me what my new payment would be. I never received this letter. On XXXX I participated in a chat conversation with a representative from XXXX XXXX This rep told me that my repayment plan would be recertified in XXXX and I would start paying the new amount in XXXX. I received my bill today and the new amount is actually beginning in XXXX, not XXXX. I do not know what if any income based repayment plan I am now in. 
3. When you email XXXX XXXX, you receive a message stating that they have received your email but you do not receive a copy of your email. This makes it difficult to follow up and track correspondence. 
Thank you for your asssitance.
Consumer complaint received 2018-01-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

This is proof positive that Wells Fargo and other committed outright fraud. I have attached supporting documents and case law that supports what they did was outright fraud. Please view the assignment dated XX/XX/XXXX. You can see that Wells Fargo created this assignment for XXXX 's. This is not possible because XXXX XXXX XXXX went out of business back in 2007. If you look at the case law, which is attached you will see that it is not possible. The alleged Assignment of Mortgage which purported to transfer interest in the mortgage to XXXX XXXX as assignee, was invalid because XXXX 's as nominee for XXXX XXXX XXXX had no authority to assign the ownership interest of said mortgage, because XXXX 's was not the owner of the subject mortgage and was only a nominee for XXXX XXXX XXXX, which was a non existent Corporation. Said purported assignment was without authority and therefore invalid. XXXX 's had no ownership interest in the mortgage and was merely named as a nominee for the non-existent corporate mortgagee. Based on the foregoing, Wells Fargo and XXXX XXXX had no standing to bring any actions. Neither had no legal right to attempt to claim ownership of the subject Note and Mortgage, or any right as servicer, for some other unknown entity, and is without any legal basis to attempt to foreclose the subject mortgage, or to collect on the Mortgage Note, because XXXX XXXX XXXX did not exists after 2007. The collection of mortgage payments by the Plaintiff and its predecessors in interest, was therefore illegal and they were without any legal right to receive and use or disburse the funds therefrom on behalf of any owner of the Note and Mortgage, or any other party. ( They attempted to foreclose on 3 separate occasions ) Another fraudulent assignment which is dated XX/XX/XXXXXXXX, 2014 is attached. You can see that Wells Fargo created this assignment, but indicated that the assignor and assignee was both XXXX XXXX. How can you assign an assignment to yourself. There is also the issue of material fact as to the assignment dated XX/XX/XXXX, 2014, which was recorded in XXXX, well after they initiated a foreclosure. This is well documented fraud and the CFPB needs to take action on this immediately.
Consumer complaint received 2018-01-03
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 — Was not notified of investigation status or results
Company: Orions Management Group, LLC (GA)

This complaint is a response to XXXX XXXX response to my original complaint. XXXX ID : XXXX XXXX stated it was accurate as reported, however did n't explain how it was verified, which is what the original complaint was for. 

What steps did you take to verify the Orions Management ( XXXX ) account on my credit report? 

What did the company present to you as proof of verification? 

I do n't recognize this account, and according to the Fair Credit Reporting Act, I am entitled to a copy of the original contract, which I have not received. To go further, XXXX is no longer showing a balance on the Orions Management account and I have n't even made a payment towards Orions Management. This istem needs to be removed because they do n't even know what they 're doing anymore and its hurting my credit report.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I was an employee at XXXX when I leased my vehicle. 1st payment was suppose to be made as part of the VPP program at the time for employees. I was not awarded that payment. After fulfilling the 39 month lease agreement (plus 1 extended month) I lease returned the vehicle on XX/X/2017 ( documents attached). Come to find out that the last 2 payments made of XXXXXXXX on XXXX XXXX and another for XXXX a week after that (receipt of payments with confirmation # s uploaded)  XXXX-XXXX inform me weeks later and after they already confirmed payments, which went as far as posted on my credit bureau bringing my loan current, inform me payments returned and when asked why I was not given a reason. Completely disregarding the NACHA rules and guidelines in a non compliant manor (rules 3.8,2.12.5.1,2.12.5.2,3.12.6) and then go as far as abusing the right to report credit by wiping out the 40 payment history on my credit report and charging off the residual amount of the lease of XXXX! This is after 12 changes they made within  months. Even removed the loan on one of the bureaus. Other payments were made but I am leaving that out for this complaint because my resolve is to have the history of this lease be accurate and lease returned as it was to show on my credit. Fraudulent reports on my credit and disregard for rules and guidelines have created loss of wages and tremendous hardship the last 6 months. This is abuse of power and disregard for the law and consumers!
Consumer complaint received 2017-06-19
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: Experian Information Solutions Inc. (TX)

I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative accounts on my credit report. I 'm a  XXXX   XXXX  veteran, which suffer from getting help with certain services due to inaccurate reporting-which is hurting my credit scoring. After several requests to provide documents to validate the debt below, Ive been denied copies. I feel my rights under the FCRA have been violated  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$19000.00} Last reported  XXXX   XXXX  , 2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WI  XXXX  Balance : {$5400.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX , TX  XXXX  Balance : {$4400.00} Last reported  XXXX   XXXX ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$55000.00} Last reported  XXXX   XXXX  , 2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$23000.00} Last reported  XXXX   XXXX  , 2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Balance : {$17000.00} Last reported  XXXX   XXXX  , 2017      XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  Balance : {$2200.00} Last reported date  XXXX   XXXX  , 2017    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Balance : {$840.00} Last reported date  XXXX   XXXX  , 2017
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.