davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CO)

My brother passed away in XXXX on XX/XX/XXXX His mortgage with Wells Fargo went unattended until XXXX when the family figured things out and made a 3 month payment to bring the note current. In XX/XX/XXXX I went to a Wells Fargo branch in XXXXXXXX near where I live to make a mortgage payment and was informed my brother did not have a mortgage with Wells Fargo. When I pressed the issue I was informed that the mortgagee was only my brothers ex-wife and my brother was only listed as someone who was to receive the communication, ie : monthly statements. From XX/XX/XXXX - XX/XX/XXXX, I responded to all Wells Fargo letters, answered all phone calls from Wells Fargo and stayed in contact with Wells Fargo to resolve this issue. Early in XX/XX/XXXX XXXX from Wells Fargo foreclosure department called and asked for my brothers ex-wife. Explaining the death, appointment as personal representative, etc. for the XXXX time to Wells Fargo, because none of the Wells Fargo representatives bothered to input a record of the phone calls, XXXX told XXXX I was not in Wells Fargo system as someone he could discuss the foreclosure with. When asked what foreclosure he informed me the property was 2 days into forclosure, he would look into this mess and get back to me within 2 days. Hearing nothing from him, on day XXXX, I went to the XXXXXXXX Wells Fargo branch to make a mortgage payment. Wells Fargo refuse to accept this payment. I then contacted an attorney and we were able to get the property reinstated without fees and penalties including Wells Fargo attorney fees. A request for an " investigation '' into the situation was requested. An investigation was conducted by Wells Fargo and concluded, my summation, because Wells Fargo did not tell me they could not find the account or tell me I could not make a payment, no adjustments would be made. My complaint is : Wells Fargo knowingly denied both my brother, when he was alive, and myself as personal representative access to his mortgage information due to his not being listed as a mortgagee in Wells Fargo records. This repeated and on going behavior of Wells Fargo continues to reap Wells Fargo the benefits of a non-modified mortgage with a XXXX percent interest rate. Last week I paid Wells Fargo {$9300.00} to reinstate the mortgage because the remaining balance of the mortgage is about {$55000.00} and assessed value of the property is about {$170000.00} and as a family, we have decided the property can not be let go of with this amount of equity at stake. Wells Fargo 's investigation does not include anything from XX/XX/XXXX through XX/XX/XXXX and the reason the property is in foreclosure is simply no payments were made. I believe the reason the property went into foreclosure is that Wells Fargo has a complex set of policies and procedures which allows the to XXXX track a mortgage. Having a customer responding to communications and calls on XXXX side while moving the property into foreclosure.
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AZ XXXXTo whom it may concern, I bought my home in XXXX XXXX for {$260000.00} and put {$26000.00} down on it, with another XXXX cash put into home in upgrades. At the time I was salaried at 42k a year + OT. 
In XXXX of XXXX the company I worked for re-structured and I was let go along with many others. Little did I know that at the same time this happened the economy crashed. It was impossible to get hired again in my occupation as XXXX. While I was able to get a loan modification, it did not reduce the principle on the loan leaving me upside down on the note. Owing XXXX on a home worth around XXXX plus a XXXX mortgage of XXXX.I have stayed in my home determined to keep it regardless but got behind by XXXX payments back in XXXX. Since XXXX XXXX I have been in the same very stable position, but have not made enough to handle all the late fees from back payments. My mortgage is now XXXX of my take home pay and has made it difficult to make ends meet. Now another hardship of a family emergency with a parent that needed me. This has left me more than 3 months behind. I applied for a loan modification back in XXXX and was turned down by OCWEN. They said I did not make enough money. I applied for another loan modification with them, this time my mother paid my health insurance. OCWEN then said that I made too much money and did not need another modification. They said that they were a loan servicer and that they did not have the means to do a principle reduction. In short, I stayed in a home that has been underwater for most of the years that I have owned, put a lot of money into it. Loved my neighbors like family but am not able to get caught up on my payments and am sorely in need of a principle reduction /loan modification. 
Please let me know if there is anything you can do to help me. 

Most Sincerely, XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: USCB Corporation (MN)

USCB CORPORATION wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : USBC CORPORATION Account Number : XXXX
Consumer complaint received 2015-03-23
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Reporting a account they can not verify. I found a Charge offs on my Credit report form Capital One. I disputed it with the CRA it came back verified. I tcalled Capital One about this and spoke to XXXX XXXX, informed me that Capital One has the wrong information on this account and it is reporting under my name. How did they investigate this account with out any documentation about me? I contacted them and their rep told me about and they could not validate the debt due to the account not having the right information on file. This is a violation of the FCRA and the trade line needs to be removed ASAP.
Consumer complaint received 2015-05-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (NY)

my car that i purchased off the showroom floor in XX/XX/XXXX went to chevy heaven in XX/XX/XXXX.in those years there were many life incidents that occured where i went from a XXXX score.I needed a car for this new job, and acted hastily on because of my poor credit.well, the job was too far away and with living expenses and car payment, this new venture was not worth it.i contacted the " credit acceptance '' corporation many times for help.i begged them to lower my car payment and offered a XXXX payment for car. they were rude and just kept telling me " your loan is what it is ''. i have paid off XXXX vehicles in my years!! i came into financial hardship and this company would NOT help me.now i have a judgement!!
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (MD)

This item was purchased by a third party debt collector. This account must be deleted as the status is not correct and amount was paid for less than owed by the Third Party Debt Collector. The accounts is highlighted below. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be deleted immediately Date opened : XX/XX/year> XXXX XXXX XXXX XXXX Balance {$880.00} Account Number : XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA so the accounts is not accurate or complete. I would like these accounts deleted please.
Consumer complaint received 2016-02-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management ( aka Encore Capital ) continues to contact me regarding a credit card debt collection. MCM sued in Superior Court for the contested credit card debt ; the suit was DISMISSED AT TRIAL and has not been refiled. However, MCM continues to call and harass for debt payment.
Consumer complaint received 2015-04-13
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (PA)

CDs were purchased from XXXX Bank which was acquired by XXXX bank. XXXX was acquired by BNY Mellon. They were never cashed in and have been sitting in my husband 's office. They are in my name with my SS # on the front. BNY Mellon is refusing to honor these CDs. I have attached copies of them to this complaint. We have checked with unclaimed property of Pennsylvania and they have done an investigation and did not achieve resolution with the bank. This is my hard earned money and I purchased these CDs expecting to be paid back. I have the original CDs.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

I am a survivor of XXXX XXXX filing this complaint against Equifax following its previous denial of my request to block adverse information on my credit report due to a dispute over my documentation. To meet Equifaxs stated requirements under Regulation V, I am now submitting a declaration affidavit affirming my status as a trafficking survivor. Additionally I am attached and " Victims Determination Affidavit '' which has been reviewed, accepted, and officially entered into the court record as evidence, and certified by the XXXX XXXX XXXX XXXX. This documentation aligns with Equifaxs and Regulation V 's guidelines for recognized trafficking documentation and has been provided in connection with an active case, in which a central issue is my status as a trafficking survivor. The remaining adverse information has created barriers to essential resources, including housing and employment, that are critical to my recovery. I request the CFPBs assistance to ensure Equifax complies with Regulation V by blocking this adverse information and updating my report to reflect accurate information, supporting my right to a fair and accurate credit report as I rebuild my life.
Consumer complaint received 2016-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Accounts & Advisers, Inc. (AZ)

American Accounts Advisors had previous removed this account in 2014. It 's showing up again. Its not my account. I never signed anything with XXXX XXXX. Never needed their service never opened an account. This is now turned to collection harassment!
Consumer complaint received 2015-03-23
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

PennyMac Loan Services is saying they are unable to provide home mortgage assistance due to a temporary financial hardship. We have been going back and forth with the company for XXXX months providing all the documentation we can and they now say that due to a job loss ( that was present at the time of initial application ) they are unable to provide any mitigation ( no loan modification, no temporary forbearance ). It is my understanding that those types of plans are meant to assist homeowners in keeping their home during a financial hardship. PennyMac Loan Services does not seem to provide these types of services.
Consumer complaint received 2015-03-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (MN)

My son attended XXXX college in XXXX, Wyoming in 2011. As we ere there to drop him off for the start of his college career they ushered us through these lines and threw out a lot of information and had us sign multiple papers without explaining them to us. We felt like we had no alternative for financing his education. With extremely high rates as well as origination fees and me having to co-sign and make payments the entire time he was in school. We have tried negotiating the interest rates but to no avail. We feel like predatory lending is at its best here and we would like help in getting this resolved immediately. My son is struggling to pay which in turn has affected my credit which is unfair.
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Klarna AB (DC)

In accordance to 15 USC 1692d a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with collection of debt. In this case I am asking that you'll stop sending me emails or you'll will be fine for each violations according to 15 USC 1640 for damages that was done.
Consumer complaint received 2015-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have an issue with my Transunion credit report. 
I am trying to understand my credit rating, ever few months it takes a dip of about XXXX points for no reason that I can see. I have a monitoring system and it shows no changes as far as opening new accounts or credit inquiries. As a matter of fact several inquiries have fallen off with time. With several more to come this month. Yet my score continues to fluctuate. I went from a XXXX in XX/XX/XXXX to XXXX in XXXX by my XXXX report. I am curious as to why? It also did the same thing last XX/XX/XXXX thru XX/XX/XXXX. It went from a XXXX to a XXXX. Why? And back up to the XXXX in XX/XX/XXXX. 
Also during that month I made credit card payments to my XXXX XXXX Account ending in XXXX {$250.00} on XXXX {$260.00} on XXXX {$150.00} on XXXXXXXXBut it shows up as a payment of {$41.00} for the monthAlso during that month I made credit card payments to my XXXX XXXX Account ending in XXXX {$100.00} on XXXX {$300.00} on XXXX {$270.00} on XXXXXXXXBut again it shows up as a payment of {$41.00} for the monthXXXX XXXX says they have reported the correct amounts. 
All my bills show on time payments. 

Please explainThank youXXXX XXXX Mo. XXXX
Consumer complaint received 2024-09-27
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I am submitting this complaint regarding COLUMBIA DEBT RECOVERY a debt collection agency that is attempting to collect a debt that I ALLEGEDLY owe. The original creditor is XXXX XXXX, but I believe the account may have been sold to COLUMBIA DEBT RECOVERY However, which is also illegal my personal information cant just be passed off like that. COLUMBIA DEBT RECOVERY has not provided me with any information or documentation proving that they have the legal right to collect on this alleged debt. Details of the Issue : 1. Lack of Debt Validation : I received a communication from COLUMBIA DEBT RECOVERY claiming that I owe a debt of {$6000.00} for an account allegedly opened on XX/XX/year> The original creditor is listed as XXXX XXXX. I immediately disputed this claim and requested debt validation pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). However, COLUMBIA DEBT RECOVERY has failed to provide any evidence that they have the legal authority to collect this debt. 2. No Written Contract with COLUMBIA DEBT RECOVERY : I do not have any written agreement or contract with COLUMBIA DEBT RECOVERY. that would establish a legal obligation for me to pay them. They have not provided any documentation that would demonstrate a contractual relationship between us, nor have they provided any documentation from the original creditor authorizing them to collect on this debt. 3. Potential Illegal Collection Practices : I believe that COLUMBIA DEBT RECOVERY actions may be in violation of the FDCPA, as they have not provided the requested debt validation information within the required timeframe. Furthermore, they may be in violation of the Fair Credit Reporting Act ( FCRA ) if they have reported this unverified debt to the credit bureaus without proper validation.
Consumer complaint received 2015-03-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Was subject to credit card fraud. BankAmerica closed the account and sent out a card for a new account. The new card was sent to someone else at a different address. Then they were supposed to send it to me at my office. Again they sent it to the wrong address. At no time was a signature required. I paid the balance ( not including the disputed amount ) in full on time. They could n't manage to post that to the new account. But they had no trouble moving over the balances owed. When this was brought to their attention, they agreed they got the payment and would move it over. But they would not issue a corrected statement to me. Claimed they could n't. And if they could they could n't email or fax it to me. Prior to BankAmerica buying XXXX it was able to do these sorts of things. After being put on hold for 30 minutes XXXX different times, I finally spoke to XXXX XXXX who claims she is the head of their service center and she reports to no XXXX outside of the chief corporate officers of BankAmerica. She again refused to send me a corrected statement showing the payments I had made. To say the least I will be closing my BankAmerica credit card and will find XXXX that has no connection whatsoever with BankAmerica. Not that I expect customer service anywhere else to be any better. Are n't we glad all of these banks are too big to fail.
Consumer complaint received 2015-03-24
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (NV)

XXXX i receive an email from citibank regarding my XXXX credit card. It was an offer to request a credit increase and it clearly stated that there would be NO Credit bureau inquiry made. I clicked on the link in the email and entered the requested information. a couple of days later I received an alert from my credit bureau monitoring service that a hard inquiry was done. Upon looking at the report it showed Citibank credit cards making a hard credit inquiry, which was completely opposite of what their email stated. I called citi and they confimred that the email stated there would be no creidt inquiry done however they said that the request was made on a different citibank credit card which is why the hard inquiry was made. I explained to the rep I clicked on the link they provided and if was for a different account of mine it was not my issue but theirs and they need to remove the inquiry. They told me to send a letter to their credit dispute department explaining it. I sent the letter after waiting more than a month I received a blunt statement stating the it was a valid credit request and they will not remove the inquiry from my credit bureau. Citi performed bait and switch by offering a no inquiry credit request and then doing a hard inquiry which has negatively affected my credit score. I asked to remove it and received a generic letter stating they would not with no number to contact the department that sent the letter when i called the main customer service number they said that department dosent talk to customers and there was nothing else they can do. 
This has negatively affected my credit score and will remain on my credit report for 2 years because citi 's False advertising. and then their lack of fixing their error
Consumer complaint received 2024-08-28
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. (OH)

I need your help to address the incorrect account appearing on my credit report. This has been detrimental to my reputation, and I need your intervention. The mishandling of my credit report has left me in a difficult situation, and your inaccurate reporting has caused significant harm. You must remove these errors so I can live a normal life with my family.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Eastern Account Systems of Connecticut, Inc. (FL)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX