davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (CA)

I recently applied for a mortgage on a new build, and the lender that the builder asked me to go threw was  Guild  Mortgage  XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  the broker that I dealt with was  XXXX   XXXX  Loan Officer  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX , CA  XXXX  M :  XXXX  | F :  XXXX  NMLS #  XXXX  | Company NMLS #  XXXX . Before filling out the app I asked him if he had an employee by the name of  XXXX   XXXX  which he responded yes I told him that she lives  XXXX  behind me and that I ha d Manny pro blems with her and her husband thats when he assured me that my file would be to his eye 's only, after that a week goes by and she called me to ask me about my file that she was not supposed to have access to. Since that day I am always checking my credit report fearing that she or her husband might do to me and my wife.
Consumer complaint received 2018-04-27
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: Resurgent Capital Services L.P. (VA)

XXXX XXXX XXXX XXXX is showing i owe them {$1500.00}. this account is not my account. I have Ask XXXX to provide the sign contract agreement that i supposed to sign. They wasnt able to provide proof of contract. I need this accound removed from my credit account. 

Date XX/XX/2014 XX/XX/2014
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I know that consumers have the right to personally inquire about their credit reports for free once a year. I did so usi ng the website annualcreditreport.com. They could not verify my identity, so annualcreditreport.com r equested I fill out a paper request and  send in the US m ail along with documents proving I was who I said I was (  copy of  XXXX , D river 's License, pay stub ). All   XXXX   credit agencies  ( Equifax,  XXXX , and   XXXX   ) separately asked AGAIN for the same identifying info to be sent in.   XXXX   finally gave me my credit report  after satisfying identity verification. With that agency, I was able to dispute an address online, and after their investigation, they determined that the address did not belong to me, and removed it the next day.  <P/> With  XXXX , once I received my reports through  the US mail, I was able t o dispute online that same address. But now, with Equifax, they have asked a third time for identifying information to be sent in with my dispute. I could not dispute online, they would only accept through fax or mail. I am not comfortable sending documents with sensitive, personal identifying information a third time JUST to dispute an address. This process is cumbersome and invasive. ( They also gave a list of  XXXX  items that they required to prove my identity,  XXXX  of which is a utility bill. I rent, have a roommate, and all utilities are listed in the roommate 's name, so I am unable to meet that requirement, and sent Equifax extra identifying documents in hopes that it would fulfill the need of once again proving I am who I say I am. ) I work for a   XXXX   XXXX   and understand the security checks necessary to prevent ID theft, but sending sensitive do cuments three t imes is ridiculous. How can the  XXXX  credit bureaus not accept documents by a third party that they themselves contracted with to supply credit reports directly to consumers?
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

Approved for trial payment in 2016 with XXXX XXXX stated not to make payments while on trial. at the end of the trial XXXX sold loan to Carrington. Carrington is now charging me for 6-8 month of payments while the loan was with BOA. Carrington is currently holding all my payments in escrow with no resolution. Carrington has sent me intent to foreclose letter.
Consumer complaint received 2018-04-16
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. (PA)

I currently have two negative credit items on my reports that is over 10 years old from the date that I opened them. By law after 7 years those accounts are supposed to be deleted. I disputed the accounts and it looks like they just updated dates and never removed them. 
The accounts are : XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX date opened:XX/XX/XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I  XXXX   XXXX  CC NUMBER  XXXX   XXXX   XXXX   XXXX  WAS COMPROMISED ON   XX/XX/XXXX  FO R {$2400.00} I HAVE HAD SEVERAL FRAUD COMPLAINTS AGAINST THE CARD AND HAVE CHANGED THE NUMBER SEVERAL T IME. USSA visa IS T HE CARD I AM REFERRING TO. THIS IS THE LIST OF OTHER CHARGES THAT I HAVE TRIED TO REPORT FRAUD ON. BU T 1 ) THEY KEEP CUTTING ME OFF 2 ) TRANSFERRING ME TO A NEW PERSON 3 ) CAN NOT FIND MY INFO 4 ) TALK TO ME TERRIBLY 5 ) SCREAMED AT ME. 6 ) TREATED ME TERRIBLE, LEFT ME ON HOLD FOR 2 HO URS. I HAVE TRIED EVERYTHING TO GET THIS RESOLVED. I HAVE BEEN A VICTIM OF FRAUD IDENTITY THEFT. AND THE CARD WILL NOT TAKE MY CLAIMS. O N  XX/XX/XXXX  I   HAD SOMEONE HELP ME WITH A FRAUD CLAIM AS I AM BOR N IN  XX/XX/XXXX AND HAV E A HARD TIME UNDERSTANDING THERE TRANSFERS, AND SAME QUESTIONS OVER AND OVER. MY HELPER REPORTED THE FRAUD WITH ME TOD AY  XX/XX/XXXX  I  CALLED TO FOLLOW UP AND THEY TRANSFERRED ME AROUND F OR 2 HOURS AGAIN. I HAVE A HELPER WHO HAS FILED 2 FRAUD CLAIMS WITH ME AND STILL THEY RUN US AROUND AND PUT US ON HOLD AND SCREAM AT HER ... I HAVE TALKED  TO  XXXX  DISPUTE, AND FRAUD, TO  XXXX ,  ( NO LAST NAME )   XXXX   ( NO LAST NAME  )  XXXX   ( NO L AST NAME ) AND TO  XXXX  AT CARD SERVICES, NON OF THEM HELP ME THEY JUST TRANSFER ME TO ANOTHER DEPARTMENT.   I HAVE ALSO BEEN CHARGED {$150.00} PER MONTH FOR 12 MONTHS BY    XXXX   XXXX   XXXX   FOR SERVICES TO HELP ME. THEY HAVE NEVER HELPED M E ... DO N'T KNOW THEM EITHER. I AM AT MY WITS END WITH THIS PLEASE HELP ME THIS IS SENIOR CITIZEN ABUSE. I HAVE NO MONEY TO PAY THESE RIP OFF COMPANIES. I NEED YOUR HELP. PLEASE CONTACT ME AT  XXXX   XXXX  THIS IS THE LIST OF COMPROMISED CARDS.  XXXX   XXXX   XXXX   XXXX  AND CARD  XXXX   XXXX   XXXX   XXXX  THEY HAVE  XXXX  FRAUDULENT CHARGES ON THEM. PLEASE HELP  XXXX   XXXX .    XXXX  XXXX  XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting 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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-06-14
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alorica Inc. (AZ)

Calls from Global Receivables Solutions , Inc. regarding an outstanding medical bill from XXXX XXXX in the amount of {$4800.00} from a hospital stay in XX/XX/XXXX. The calls started mid-XX/XX/XXXX. In early XX/XX/XXXX, I returned the telephone call stating that I could afford to pay {$25.00} per  month as I am only working at a temporary job through a temporary agency. I was asked about how much I paid for mortgage, car insurance, and automobile insurance. I answered. I also was asked how much I brought home per month in salary and I told the person. I said that I could send a money order monthly for {$25.00} as that was all that I could afford. I was then put on hold and anther person insisted that I pay the total amount but at a reduced rate. I then stated that I do not have that kind of money. I was asked to pay the hospital bill with my XXXX card as the person knew exactly how much I had left for charging on the card. I said no. The person then said well then pay with your XXXX XXXX XXXX and said how much money I had left that I could charge. I said no I will not put anything on my credit card. Then I was asked to borrow money from someone that I knew and I said no. I said to that I would be able to send a {$25.00} money order monthly. I was put on hold again. The next person asked me to purchase a prepaid debit card, pay at least {$100.00} on it and then send $ XXXX monthly. There is no way that I will remit monthly payments on this debt as it would be a scam to just send money via a prepaid XXXX card. That does not make any sense and would be very dangerous. I then sent a cease and desist letter via certified mail.
Consumer complaint received 2017-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kross, Lieberman & Stone, Inc. (NC)

In XXXX 2011 I was the XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX NC. The cash drawers came up short and there was claim of purse missing. I was accused of theft and fired.They asked me to sign a form admitting this and committing to paying them back. I refused to sign it as I was innocent. They have turned this over to a debt collector, XXXX XXXX XXXX XXXX, who produced an unsigned form dated XXXX 2011 as their proof of the debt.
Consumer complaint received 2024-10-10
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. (TX)

On XX/XX/year>, I sent a dispute to the major credit reporting agencies and listed the erroneous accounts. I believe I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transacti

on ( s ) that I have made. I have contacted creditors to resolve this with them to remove the accounts listed on my credit report because they are fraudulent. I also gave a copy of my ID, SS Card, and Proof of Address. Section 623 ( a ) ( 1 ) ( A ) of the FCRA prohibits inform
ation that the furnishers are providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. 

[ 15 U.S.C. 1681s-2 ] Section 623 ( a ) ( 1 ) ( B ) ( i ) ( ii ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2017-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CO)

i 've asked how many days in the billing cycle ending  XXXX   XXXX  ( this would be  XXXX   )  you said they vary..i know this tell me exactly how many days in the billing cycle  XXXX    XXXX    XXXX    XXXX   how much applied to interest ... how much applied to principal
Consumer complaint received 2017-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

Shown below are messages sent to the debt collector XXXX XXXX XXXX (XXXX XXXX XXXX XXXX/XXXX XXXX XXXX; XXXX, XXXX XXXX; XXXX). This issue is the following: I am a landlord and the debt is for on of the units I own. I have never lived at the location of the dept. Each of my tenants receive their utility bills directly to them. The utility payment is not included in the rent. The utility company should attempt to collect the debt from the tenant  at the location of the debt.
 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX
XXXX XXXX. XXXX XXXX.XXXX
Home XXXX XXXX
Cell XXXX XXXX 
Fax XXXX XXXX
XXXX XXXX XXXX XXXX

From: XXXX XXXX XXXX 
Sent: Wednesday, XXXX XXXX 2017 XXXX XXXX
To: #XXXX
Cc: XXXX XXXX XXXX
Subject: Re: Dispute 

I received a letter for Convergent dated XX/XX/2017. Please consider this my response to the consumer information guidance on the reverse side of your letter.

I dispute the total validity of this debt. 
Request to receive verification of the debt and or obtain a copy of a judgement ( I asked for this information in my message below).
Receive a copy of such judgement.

As a solution to this issues I recommend the following: have the Creditor determine the party who used their service(s) and pursue collection of debt from them. For my protection, I am forwarding a copy of this message to the Consumer Protection agency. 

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX.XXXX
Home XXXX XXXX
Cell XXXX XXXX 
Fax XXXX XXXX
XXXX XXXX XXXX XXXX.

From: XXXX XXXX XXXX 
Sent: Wednesday, XXXX XXXX, 2017 XXXX XXXX
To: #XXXX
Cc: XXXX XXXX XXXX
Subject: Dispute 

I received a call from Convergent XXXXX17. I informed the caller that I have no debt due to Consumers Energy to my knowledge. I have never resided at the residence in questioned where the debt is assigned. I asked for documentation. I was told it would be sent. I have not received it. 

In response to the information you need to investigate the dispute.
Identify the specific information that is being disputed. I don't have an outstanding obligation.
Explain the basis for the dispute. I don't have a basis. I did not raise the issue.
Include all supporting documentation to substantiate the basis of the dispute. I have no supporting information. 

Please contact me if necessary. I will be as responsive as possible to resolve the dispute. Have a good day. 

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX
XXXX XXXX. XXXX XXXX
Home XXXX XXXX
Cell XXXX XXXX 
Fax XXXX XXXX
XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (NY)

On  XXXX   XXXX ,  2017  I wrote a dispute letter in regards to an {$890.00}  XXXX  co llections with Credence Resource Management LLC. The le tter was sent certified read-receipt, and was received on  XXXX   XXXX  according t o USPS.   <P/>   XXXX   XXXX   XXXX   XXXX    In  the letter, I requested very specific documentation proving that I owe this debt. I do not believe I owe this debt as I made a {$600.00} payment to  XXXX  around 5 years ago clearing the debt I had with them. I recently called  XXXX  and they told me they  have no information at all about this debt, and to deal with Credence Resource Management direct ly in regards to the issue.
Consumer complaint received 2018-04-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TN)

XX/XX/2005 I applied to XXXX for a training program. Within 2 days I contacted the school to let them know that I had decided not to take there course. The school did not cancel my application and a few weeks later I started recieving billing statements in the mail from the lender for the loan of {$7400.00}. At that time I was young and not very educated, so I started making payments. I have been paying on average {$80.00} dollars a month for 13 years on a loan that I did not recieve services for. As of now I have paid {$12000.00} and still have a balance of {$3000.00}. I called the lender that I am making payments to and they said there is nothing that they can do because it is a private loan and XXXX has since closed. Please let me know if there is anything that can be done. Thanks
Consumer complaint received 2018-04-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC (NY)

On XX/XX/2018 I traded my XXXX XXXX XXXX for a XXXX XXXX XXXX. 
I had to drive from XXXX New York to XXXX New Jersey to get jerked. 
I gave them my XXXX and {$13000.00} plus came back a second time just to personally deliver the title for my XXXX and still havent received anything that I was promised. 
I was told I was going to receive a check for my first months payment an extra key for my vehicle two new back tire so I can pass inspection and my tile for the vehicle I am financing so I can register it. 
I spoke to two sales person in person XXXX ( manager ) and XXXX. And when I call I get the runaround from the secretary XXXX and the business manager XXXX. I call every day to their DMV department and speak to XXXX which is the manager and XXXX. I shouldnt have been so stupid in the beginning but I am waiting For about a month for title that isnt being sent over basically Im paying for someone elses car. Temporary plate is expired so I cant even drive the car By the way Im XXXX so I had to switch my hair control and pay for them out of my pocket {$800.00} and I have a document for everything
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I know that consumers have the right to personally inquire about their credit reports for free once a year. I did so using the website XXXX. They could not verify my identity, so XXXX requested I fill out a paper request and send in the US mail along with documents proving I was who I said I was ( copy of XXXX, Driver 's License, pay stub ). All three credit agencies ( XXXX, XXXX, and Transunion ) separately asked AGAIN for the same identifying info to be sent in. XXXX finally gave me my credit report after satisfying identity verification. With that agency, I was able to dispute an address online, and after their investigation, they determined that the address did not belong to me, and removed it the next day. With TransUnion, once I received my reports through the US mail, I was able to dispute online that same address. But now, with XXXX, they have asked a third time for identifying information to be sent in with my dispute. I could not dispute online, they would only accept through fax or mail. I am not comfortable sending documents with sensitive, personal identifying information a third time JUST to dispute an address. This process is cumbersome and invasive. ( They also gave a list of three items that they required to prove my identity, one of which is a utility bill. I rent, have a roommate, and all utilities are listed in the roommate 's name, so I am unable to meet that requirement, and sent XXXX extra identifying documents in hopes that it would fulfill the need of once again proving I am who I say I am. ) I work for a financial institution and understand the security checks necessary to prevent ID theft, but sending sensitive documents three times is ridiculous. How can the three credit bureaus not accept documents by a third party that they themselves contracted with to supply credit reports directly to consumers?
Consumer complaint received 2018-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo called me on a Friday night back in XX/XX/XXXX of XX/XX/XXXX. They used terms like " failing to make my payments '', " hurt my credit score '', and " fees and penalties ''. This shocked me because we have our home mortgage payment set up with our credit union on auto bill pay, and we have never, ever received word from Wells Fargo or our credit union that we were short or owed any money on our mortgage. 

I spoke to a manager at Wells Fargo and he had a very difficult time explaining what the fees were comprised of, and even if and when we had actually missed any payments. 

He told me it would take him a few weeks to research this and he would get back to me. This kind of response from him really surprised me since they called me threatening action on something I was not aware of. 
This person 's name is XXXX XXXX and his email signature indicates the following. Executive Resolution Specialist, Customer Care and Recovery Group Wells Fargo Home Mortgage l XXXX XXXX XXXX l XXXX XXXX, IA XXXX Tel XXXX EXT XXXX Well, after a few weeks he did call me back and state it was very difficult to figure out what went wrong, but he had found that back in XX/XX/XXXX, they had taken our payment and fully applied that payment to principal only. He told me our escrow went up during this period and that we were {$62.00} short in our payment. We of course had no idea our escrow went up at that time. 
Since then, and after I had further discussions with XXXX at Wells Fargo, he stated this happened for three successive months, and again, we did not know this had happened because we had no idea our escrow had gone up. 
We never received a letter from Wells Fargo, an email, or even a phone call stating there was a discrepancy. Supposedly, this happened in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XX/XX/XXXX. 

Well now as of XX/XX/XXXX, Wells Fargo has sent me a letter stating that I owe them {$3400.00}. They keep using phrasing like I missed payments, and paying late, but my on-line bill pay history reveals we have never missed a payment. The only discrepancy were those three months in XX/XX/XXXX, where we unknowingly were short the {$62.00} difference in escrow. I have told Wells Fargo that I am willing to pay that difference. That would equal {$180.00}, but they don't seem willing to accept this. 

I have told XXXX and Wells Fargo repeatedly we had no idea this was transpiring and I asked them, " why did they not alert us about this issue? '' " Why did they not call, email, or send us a letter? '' Their response to this question was, " well, we did not have your phone number ''. 

I find this kind of action extremely predatory, illegal, and immoral. I need some help and guidance fighting this battle with Wells Fargo. I am hoping the CFPB can assist. 
Thanks, XXXX XXXX