davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-09
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I purchased a my home in XXXX, Arizona in XXXX XXXX through XXXX, XXXX XXXX XXXX making weekly payments with no payments missed. Around XXXX XXXX, I started to receive checks from XXXX XXXX XXXX, when I called them to question these refund checks, they then stated that they bought my loan XXXX. I asked them why the did n't assume my loan, they stated that I was not in their system and that my payments were being posted in an escrow account. B of A stated that because they could not assume my loan that I would have to reapply with them and so I did, with one request, reduce my interest rate to something more reasonable. Every month since then, I have refiled as they claimed that they needed either new documentation and or they lost some part of it. In XXXX of XXXX, I discovered that Carrington Mortage now has my loan. I discussed the past problem with a XXXX XXXX XXXX, the gentlemen who called me and he stated that based on the information that he reviewed, he did n't see a problem getting this loan processed. It is now XXXX XXXX, now they claim that there is an issue with my XXXX issuance letter, they are requesting an updated letter for XXXX. I explained to them that I am a XXXX XXXX for life, the original letter is all I have. 

Since this process started with XXXX XXXX XXXX and the fact that they would n't accept payment for my loan, has my credit tied up with this " single '' mark against me. They have tried to Foreclose on my property XXXX times, all of which they withdrew on the date of sale. 

This is my retirement home, I make good money, have always been employed and have set aside a years worth of money to clearly prove that I can afford my home. I even gave them a written offer to which they refused. ( very reasonable, I offered them more than the house was worth@3.5 %, 30 year fixed - they ignored it ) I am not sure what else to do and I need help finding resolve to re-establish my loan and have my credit repaired.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint Regarding Incorrect Collection Accounts on Credit Reports I am filing this complaint regarding XXXX collection accounts appearing on my credit reports with XXXX, XXXX, and TransUnion. These accounts total approximately {$8000.00} and have been disputed multiple times through XXXX XXXX, without resolution. 

I received IRS Form 1099-C for these accounts, indicating that the debts were cancelled by the original creditors and reported as income. Since this cancelled debt has been documented as income through the issuance of 1099-C forms, these accounts should no longer be reported as outstanding or delinquent by the credit reporting agencies. 

Furthermore, the accounts in question are reported by third-party debt collectors, not the original creditors who issued the 1099-Cs. Given the debt has been cancelled, these accounts should reflect a XXXX  balance and be removed from delinquency status on my credit report. 

Despite submitting disputes, the credit reporting agencies continue to report these debts as valid. I can provide Copy B of the 1099-C forms if necessary to verify my claim and request that these accounts be updated to reflect a XXXX balance or be removed entirely. 

Thank you for your attention to this matter.
Consumer complaint received 2015-07-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TN)

My name is XXXX XXXX XXXX ( XXXX ), and my wife 's name is XXXX XXXX XXXX ( XXXX ). We have worked hard and paid our taxes all of our lives. My wife XXXX and I have had a rough time for the past few years, health-wise and financially. We have tried repeatedly to get help for our situation. 

Over 2 years ago, we applied for a program called KEEP YOUR TENNESSEE HOME. We have been on the list until XX/XX/XXXX, when we were told they had run out of money. 

Next we tried the REVERSE MORTGAGE program. Although I am XXXX, we could not use this program as my wife is only XXXX. 

Then we turned to our banker WELLS FARGO for help. We do not make enough money to qualify for their REINSTATEMENT PROGRAM. Since I am recently laid off my job, I then applied for their UNEMPLOYMENT PROGRAM, but we make too much money for that one. 

I have just received a foreclosure notice on our house. I will need to give you some background so you can better understand how we got to our present situation. 

In XXXX, I fell victim to a disease called XXXX. I would suffer XXXX attacks of XXXX over the next 2 years. XXXX would disable me for several days. XXXX would require surgery. XXXX would hospitalize me and nearly kill me. This left me unable to work and on Social Security XXXX. 

About 30 years ago, XXXX came to a halt at a stop sign, but the car behind her did not. Since that time, she has had over XXXX XXXX, including XXXX total XXXX. She has been unable to work since, XXXX, XXXX. 

In XXXX, we took in a little boy named XXXX XXXX. He was XXXX years old at the time. His parents are drug addicts and are both in jail. XXXX is XXXX years old and we are in the process of getting legal custody of him as there is no one else to care for him. 

My wife applied for SOCIAL SECURITY XXXX over 2 years ago and we are now waiting to hear from a federal judge on this matter on XXXX XXXX. If all goes as our lawyer says, my wife should get her XXXX then and possibly 2 years back pay which should be more than enough to clear up our finances. The problem here is it looks like WELLS FARGO, and the foreclosure lawyers are not willing to wait that long. 

Our mortgage holder, Wells Fargo, has just notified us that they are about to begin the foreclosure process on our property. As you can see, we have had a few rough years and desperately need help. Any other advice or help you can give us in this matter would be deeply appreciated. Is there not anyway that we can get help on this? Please keep us in your prayers. 

Yours Truly, XXXX XXXX XXXX XXXX XXXX TN XXXX
Consumer complaint received 2016-02-19
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: The J. G. Wentworth Company (VA)

I applied for a modification in XXXX of 2015, I was told by my previous lender that the modification was approved. I was initially told my loan payments would go down to the {$1200.00} range, and then I was given documents that stated my payments were {$1600.00}. I was told to make my initial payment on XXXX/XXXX/2015 to the new servicer, JG Wentworth. I made that payment, as well as subsequent payments. My current lender, JG Wentworth is taking my payments, but they are not acknowledging the payments or applying them to my loan. They will not give me any mortgage interest or apply any payments. I have called multiple times and they are stating my information is not being updated in their system and there is no one that I can speak to because underwriting handles it and underwriting does not speak with people. They have also stated that I should still continue to make my payments of {$1600.00}, even though they are not being applied to my account, and even though J. G. Wentworth is sending me statements that say that my payment amount is {$1400.00}.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 
Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2015-07-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

On XXXX XXXX, 2015 my mortgage company Wells Fargo Home Mortgage made an unauthorized payment to my account of {$2000.00}. without my consent. I called the mortgage company immediately after learning about this problem. I was told on XXXX, 2015, an outbound call was placed to my residence and a male answered the phone. The representative asked the mal if they were authorize to make payments on my loan. The male said, " yes ''. I am the only person on my loan, sole owner of this property without any third party contacts or co-borrowers. As a result, my bank account was overdrawn by {$1000.00}. I was informed by XXXX from Wells Fargo Mortgage that a previous representative made an outbound call to the home and used my previous banking information that was on file to submit the transaction. The male that they are referring to is my son, whom does not know my banking information or any of my personal information. The representative failed to use proper protocol procedures and failed to abide by XXXX Law. I was told that this is a negative on my behalf and can be sought out to be writing bad checks. I requested a reversal of this transaction, I was told it will take 3-4 business days but there will be several ( 4 ) insufficient fund fees totaling {$140.00} that would be charged to my account not along the outstanding fees from the other companies. I am requesting that my money be refunded back to my account, all overdraft fees be waived, and that they pay for the company insufficient fund fees along with a letter of resolution and my credit report clear from this matter.
Consumer complaint received 2015-07-08
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NY)

It has been reported to the credit agencies by Citibank that we have missed mortgage payments and are delinquent. The reporting of this information by Citibank is an error and is false. As a victim XXXX we were told by Citibank that we were eligible for a forbearance on our mortgage payment. We were informed that the excused mortgage payments would be added onto the end of the loan. At the end of the forbearance, we started to make regular scheduled payments. Shortly thereafter, we received notification from Citibank that the entire balance for the months of the forbearance were due in full. When we called, we were told by Citibank that the information we received regarding the repayment of the forbearance amount was incorrect. Citibank stated that this was the result of inaccurate and misinformation being administered by customer service because of the unique situation regarding XXXX XXXX. Citibank further stated that in their effort to administer aid to XXXX victims as quickly as possible customer service was not fully knowledgeable of what procedures regarding forbearances were permitted. 

As a result, every mortgage payment we made was being applied to the payments due during the forbearance period thereby making our current payments appear late. We have been trying amicably to resolve this issue and have spoken to countless customer service reps, supervisors and have even written to the office of the President, to no avail. Even after sending us two separate letters stating that they would repair our credit, CitiMortgage has failed to rectify this matter. This has been going on since 2012 and our credit reports appear as if we have missed numerous payments. This is not possible because the forbearance was only for XXXX months and when it was over we started making payments and have continued to do so to date. As of XXXX 2014, Citibank sold our loan to XXXX and the misinformation and negative reporting has been continued by XXXX. We were with Citibank for close to XXXX years and never missed a mortgage payment.
Consumer complaint received 2015-07-09
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

I received a voicemail from someone claiming to be from an attorneys office. Saying I would be served a summons to appear in court over regarding a lawsuit. So when I call back the number they provided XXXX the person was rude and trying to rush me to settle out of court saying it would ruin my credit score. They had personal information such as my name last XXXX of my social and address available. The debt they claimed to be mine was no where to be found on my credit report so it is not a valid debt. I am concerned that this is most definitely a scam
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

ALL CREDIT AGENCIES CONTINUE TO REPORT BANKRUPTCY XXXX TIMES ON FILE AND NOT MY ACCOUNTS, ALL INFORMATION OUTDATED SINCE 2005 AND ALL AGENCIES VIOLATES FCRA PROVISION XXXX, XXXX AND XXXX
Consumer complaint received 2015-07-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLATINUM HOME MORTGAGE CORPORATION (CA)

My home mortgage was transferred to XXXX ( Platinum Home Mortgage ) effective XX/XX/2015.I was notified in XXXX XXXX, but I have yet to receive a welcome package or payment coupon book from the new lender. I have struggled to figure out where I 'm supposed to send my house payment and how to pay it online. Previous to the lender transfer, I always made my home loan payments online and on time. Today, I was able to find the new lender website through my own research ( www.phmc.myloancare.com ). I very well could have mailed a check to their address in XXXX, Virginia, and it would have been received prior to XXXX/XXXX/2015 XXXX when a late fee would have otherwise been assessed ). I opted to pay online after I confirmed my account appeared to be transferred to the new lender. While processing the online mortgage payment, I was forced to use the one-time payment option as the lender determined my mortgage was past due ( even though they would only assess a late fee if payment was not received by XXXX/XXXX/2015 ). As such, I was forced to pay a {$5.00} penalty for paying XXXX days after the due date of XXXX. Otherwise, I would have setup auto-pay and been done with the transaction. I resent being penalized for making my house payment on time. It might only be {$5.00}, but multiply that by XXXX of people every month and that 's quite a chunk of passive income. I believe this is an unfair business practice and the lender should be prohibited from assessing such fees, especially in the process of a mortgage transfer over which I had no control.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (WI)

Last Fall I discovered two " hard '' pulls on my Experian credit report, from a business by the name of XXXX XXXX XXXX. I never had any dealings with the company, and they never received my authorization to pull my credit. Because XXXX XXXX XXXX never responded to me directly, a Better Business dispute was filed in addition to complaints with both the XXXX and XXXX Attorney General 's Offices. 

Experian responded to the BBB dispute, and removed the two hard pulls in XXXX. For some reason these hard pulls were put back on my Experian credit report last month, and they should not have done so.
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

There was an alleged debt between XXXX XXXX and myself in 2012. It was dropped at that time because they actually owed me money. Curiously enough I sold my condo in XXXX and in XXXX the same false report reappeared now that I am trying to buy a new house and has dropped ; my credit score unjustly. I never received any new communication from ERC and when it appeared in XXXX I sent a letter to the XXXX of XXXX demanding removal for which I never recieved a response. In fact the initial bill from 2012 wasnt even under the right name it was for a person named XXXX. They couldnt even get a name right.
Consumer complaint received 2016-02-23
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

Ally bank, I Leased a vehicle and paid all payments in time. They had XXXX as deposit. I returned the vehicle to a dealer in time of lease, with miles used much less than allowed on lease. Called Ally many times to return deposit. Answer was " wait till final statement ''. Vehicle was sent for inspection by different company, and Ally had 4 inspections. The cost started with XXXX and ballooned. Finally Ally demanded XXXX, after keeping the deposit. Car had minor wear and tear, which was supposed to be free repair per Ally booklet. 
Called them many times, spoke with agent and disputed charges. But the kept on sending threatening letters and sent to Ally asset recovery Center. NO help. Many similar reports on Internet about this ripoff
Consumer complaint received 2015-07-08
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: DriveTime (SC)

I am purchasing a car from drive time. I have always made my payments on time for over XXXX years. My payments are {$470.00} a month. I make my XXXX payments a month of {$230.00}. I have recently feel into a hardship. I lost my job and I am having to take care of my mother XXXX and I also have put about {$700.00} in to the car bc it was having issues. I called drive time and advised them that I would not be able to make my payment for ( XXXX XXXX XXXX XXXX ) and I asked for a deferment. The collection representative advised me I was not elligable for a deferment BC I was never late. She stated to let my account fall delinquent and call bk XXXX XXXX. So I did. Another rep told me I could get a deferment and my payment was due. I advised her that when I spoke with the previous rep that 's not what we discussed. She told me I had to mail in my receipt form the work done on the car to try for a deferment. I advised her that when I spoke with the rep bfor she did not tell me I needed to fax those In and they were thrown away. She then transfered me to the rep I spoke with on XXXX XXXX. I advised he that I could not make those XXXX payments until my unemployment started and I would make my payment of XXXX by XXXX XXXX. She stated that she would set the arrangement and that would be fine. I adv he that I do not want calls bc i am taking care of my brother and NOT TO CALL ME. A couple days later i get a call i was unable to answer so i called bk. A rep stated that the arrangement was never set on the acct. I asked to speak with a XXXX i was on hold for XXXX mins. I then explained to the XXXX I was not suppose to receive calls and they did not set the arrangement as stated. She stated she could set a arrangement and transfered me to customer relations. The lady as that time stated she set the arrangement for me to make a payment on XXXX XXXX. I adv her again DO NOT CALL ME. XXXX days later they call. A manager cancaled the arrangement. I called bk furious BC I had told them several times not to call me and felt like I am being harassed and BC they told me arrangement was set and now they want to change it. I adv her of when I could make the payment I would have the funds by then and she wanted XXXX argue with me and tell me I have to pay {$400.00} by XXXX XXXX. I told her there was no way I could pay when I had already worked out the other arrangement and put money in the car. I also adv her that I told her it was against the law to contact me after I stated not to call me and she ignored me and continued to try and collect. I was treated very unfairly by this company and I am speaking with an attorney due to the harassment. I feel like the car should be returned and the trade line removed from my credit.
Consumer complaint received 2015-11-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (CT)

A payment in the amount of XXXX was sent to a XXXX XXXX via Paypal Credit on XXXX XXXX, this was sent in error. Two previous payments made from my regular Paypal account in the amounts of XXXX on XXXX XXXX and XXXX on XXXX XXXX, also to sent to XXXX overdrew my account. The payments were made from my checking account and were both returned, Paypal in turn overdrew my account bringing it negative XXXX. I was unaware of this and sent another payment of XXXX to cover both payments, which I thought were returned and not sent to recipient. I have since disputed this transaction with Paypal Credit, however, they keep requesting proof of prior payment, which was already provided to rep who took dispute information over the phone. I called in again on or around the XX/XX/XXXX or possibly week before with the same information, also provided above. Ive also sent this via secure message on Paypal.com. Please note, the payment ( s ) were for services rendered from an XXXX XXXX, she was or is using XXXX XXXX 's Paypal account to receive payments for herself.
Consumer complaint received 2015-07-24
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (VA)

I 've received 5 phone calls on XXXX XXXX, 2015 from the same phone number. Initially the missed calls did not result in a message of any sort. After googling the number online, there were no search results pointing to a company. Upon calling the number back, it was " Citicard '', a credit card I do use. An automated message asks to dial in my 16 digit credit card number which I chose not to do. Instead, I contact Citicard direct and expressed my concern. The representative who seemed irritated at me, did n't bother listening, decided it was a good opportunity to verify a payment instead of addressing their obviously flawed system. As of today, I received 2 anonymous phone calls from 2 different phone numbers I 've never seen. This un-professional behavior shown by Citicard representatives and their scam-like system should be addressed.