davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I went to buy a house ... ... ... .My credit report was pulled, TransUnion showed a debt to XXXX XXXX for {$4700.00} to XXXX ... ... ..I have never had any dealings with XXXX ... ... ..I contacted XXXX to try to resolve this matter ... ... ..This debt was incurred XXXX XXXX, my son XXXX and his wife XXXX XXXX XXXX were living with me at the time ... ... ... .My son and his wife were handling my bills for me, they had access to Social Security Numbet and credit cards ... ... I was declared XXXX in XXXX ... ... ..Started receiving mt disabilty from social security in XXXX XXXX ... ... ... ... ... I knewe that I would never be able to work again, why on earth would I take a management course knowing that I would never be able to work again ... ... On the other hand XXXX XXXX XXXX was trying to get ahead ... ... ... .I contacted XXXX XXXX @ XXXX XXXX. I wass ujnable to get a phone number, address, or email for XXXX ... ... .XXXX could not provide me with a signed contract, the social security number on this account, a voice print ... ... ... ... No proof that this was my debt ... ... ... ... .All they had was my name ... ... ... ... ... I know that I am notk the only XXXX XXXX in the world ... ... ... ... XXXX would provide me with nothing that would prove that this debt was mine ... ... ... ... .I had to pay the money in order to buy my house ... ... ... ... I did find out that XXXX had as a registered Agent XXXX @ XXXX ... ... ... ... XXXX XXXX and XXXX XXXX Offices do not exist ... ... ... ... ... .No one could prove this was mine ... ... ... ... Please helo me. Only XXXX of the XXXX credit reporting agencies showed this debt
Consumer complaint received 2016-09-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC (CA)

I was having trouble making my mortgage payment so my lender XXXX XXXX offered me a forebearance plan which I paid on time for a year. Then I was offered a trial modification which is XXXX payments, i have stcessfully made XXXX payments while working with XXXX XXXX. My loan serviceer is Loancare. I called yesterday and spoke to XXXX who told me that even thou I 've been making my payments as agreed upon with them they are reporting that I 'm late whichever will continue until I sign the final loan modification. This is unfair and I have done everything that they have me to do. No one at Loancare has told me that they are reporting me as being late. I am requesting that they remove all of the late payments as I was n't told about this from the beginning and now my credit report has taken a huge hit. I thought that they were helping me not penalizeing me because I could n't pay my original payment in full as I had lost my job.
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (MO)

I reported a public record inaccuracy to Equifax and XXXX via XXXX XXXX. This item is a judgement that has inaccurate information. XXXX removed this item from my credit report due to not being able to verify accuracy. Equifax marked this item as " satisfied '' which is still inaccurate and refuses to provide me any information as to how this was verified per the FCRA 611 ( 15 U.S.C. 1681I ) that states that this information must be given to me or verified. They refuse to address the inaccuracies with me and refuse to resolve the issue. This judgement has never been executed by the courts or by the creditor and the original creditor has not provided any of this information to Equifax. Equifax used a third party to gain this information and refuses to verify the validity and inaccuracies to this account.
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Today is XXXX XXXX My mortgage server is Select Portfolio. In the last 6 months I have followed there direction and listened to them tell me that my Loan status is in review. I have faithfully spoken to them every week to see if they needed any additional documents or just to give me an update on the status. Every week its the same answer that I am in review they have all necessary documents and I just need to be patient. All I wanted is to save my home and I believed that the representatives from SPS wanted to really help me. Today I was served with foreclosure documents in the complaint it says that SPS forwarded my account to there attorneys office on XXXX XXXX, which means they never had intentions to help me. I called the law firm that represents them they told me there client never had intentions of helping me and laughed. I called the bank this evening and Spoke with a representative and he said to me that he felt terrible and after reading the notes on my account he cant believe that SPS did this to me.The he asked me if I could up load my legal documents to him so he could see them. I know what this bank has done is deceitful, they mislead me for months so that they could turn around and take the home away from me. What I did wrong was to trust Select Portfolio.
Consumer complaint received 2016-06-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I suffered a {$2000.00} a month loss of social security disabilty income in 2012. I could not pay my first and second mortgage so I applied for a modification. It took XXXX years to finally get a modification. I included my second mortgage ( line of credit with Indy Mac Bank ) on all of the paperwork I submitted. When I finally recieved the modification, I thought it included IndyMac '' s loan. Many months later, I was contacted by a collection agency which says my second mortgage was in charge off status and now I had to pay the collection agency, not IndyMac Bank. 
I called IndyMac Bank to explain what happened seeking to get my loan reinstated so I could resume my payments but they refused to talk to me. 
The collection agency says I must pay them. I can not reinstate my loan and I can not repair my credit until the entire amount is paid in full. Additionally, I am still in jeopardy of the second mortgage pushing me into foreclosure at any given time unless I file bankruptcy which will also destroy my credit even further. 
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Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I sent a certified letter dated XX/XX/XXXX, requesting verification of debt, for my XXXX son, per the Fair Debt Collection Practices Act. A copy of my Power-of-Attorney was enclosed. They received the certified letter on XX/XX/XXXX. They have not responded to the request. I do not believe this debt to be legitimate. I have also sent a dispute to the XXXX major credit reporting bureaus. They have stated that they believe the debt to be his and have not removed the debt from his credit report. I have since talked with XXXX further, in regards to this debt, he stated that he did receive a call from them one day stating that he had to be on the debt. Due to his XXXX, he felt pressured and unsure of how to handle the call. This call was made XX/XX/XXXX, after they received the request for verification of debt, a copy of my Power-of-Attorney, and my contact information. They have never sent him anything to sign or any disclosures in regards to the debt. The debt had already been incurred at the time in which they had contacted him, as it originated XX/XX/XXXX.
Consumer complaint received 2016-07-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (VA)

Call to WELLS FARGO XXXX XXXX 2016 @ XXXX Just was in a phone call with Wells Fargo on my son 's student loan. First the help was not very helpful. I wanted to know if my son 's charge off was taken off my credit report. She said if I am the cosigner, then it will show. I said I got that, and his was cleared off. IF that is the case, then mine should be. She said there were many documents sent to my home, ( and I dispute that accuracy ) explaining the status. Under the contract, he was to be registered as a XXXX XXXX XXXX. He has proof that he was well with any grace period, specifically the dates of registration for his attendance at a XXXX XXXX and upon completion, he is now XXXX XXXX XXXX University. 
Just to make myself clear, I understand my legal obligation to the debt as a cosigner. I do not agree to the charge off status as he was fulfilling his obligations and can provide proof he was a XXXX XXXX XXXX. 
The most upsetting part of this phone call was the last part. I told her at this point this whole thing is becoming punitive in nature. She asked me, what would I like to have happen, put the charge off back on his credit? Said yes, do that, but as the cosigner, I do n't have that authority and you will have to deal with his lawyers. Then she said she could n't do that with so I said basically you lied to me and this was a threat to his credit report ( an empty one but proves the nature of the punitive accusation ). At this point, she officially ended the conversation.
Consumer complaint received 2016-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

I took out federal student loans to help finance my XXXX education, as I had no other option to help pay the full cost of attendance. I have been diligent in paying back my loans, have not missed a payment, and in fact, am paying more than my minimum. 

The current loan ( {$2400.00} ) for which I am filing a complaint is the XXXX XXXX loan [ acct. no. XXXX ], the repayment of which is managed by a third party, Campus Partners. I am shocked and appalled at the way which Campus Partners charges usurious fees to handle the repayment. Automatic payments from a checking account have a {$.00} processing fee, and when I tried to pay off the loan in its entirety, I was appalled to find they use another third party billing service ( Heartland ECSI XXXX XXXX XXXX XXXX XXXX ) which charges a {$97.00} convenience fee! I am appalled that they have the audacity to charge a 4 % fee for loan repayment. This is absolutely predatory, and I can not believe that federal legislators and employees ( those in XXXX and at the XXXX who agreed to allow this company to process federal loans in such a manner ) allow this to happen. I am shocked to learn these companies are profiting from federally allocated funds meant to help those in desperate need. 
I sincerely hope that this process will receive immense scrutiny it deserves, the practices are investigated fully, and that any wrongdoings are brought to light. 

I am happy to discuss the matter further.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have paid money every month {$100.00} or {$210.00} every month for 3+ years on time to be applied to the principal. I work XXXX jobs, care for XXXX children and had the payments on auto pay, I finally checked my balance and realized that the balance had not really gone down. Plus I was being charged this superfluous " membership fee '' of {$3.00} each month, unbeknownst, unauthorized, and unwanted. I sent a letter requesting immediate credit for payments on the principal and refund of the membership fee to be either refunded or applied to principal balance. This is Capitol One " credit card '' and I took it out of my wallet as they fraudulently charged me fees and misappropriated funds that were to go to the principal balance.
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IN)

There is a discharged Chapter XXXX Bankruptcy that is on my Experian Credit Reports that does not belong to me. I have disputed several times with Experian and they continue to verify. I have inquired to both for the verification information ( how it was verified and who verified it ) and they have failed to supply this to me. After looking up the Bankruptcy ( public information ) that is reporting on my file, it looks like it is someone with a similar name. I have never lived, nor do I know anything about the address that is associated to the Bankruptcy. If they are using other means to verify, I need to be informed so I can show proof that this public record does not belong to me.
Consumer complaint received 2017-03-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Harpeth Financial Services, LLC (TN)

I was NOT told that I retest accrues daily, I was not informed that there is no help in catching up should we fall behind, save for deferring a payment and then doubling up on payments he next month. Because of this, my payments have increased to $ XXXX/mo. I only bring home $ XXXX/check, so how am I supposed to pay this off? I have NEVER done business with a company that allows credit to be increased without considering monthly income. If they had limited my credit usage, I would n't be in this situation. They prey vulnerable and the financially unstable and have no means of recovering. This is insane ; I originally borrowed XXXX and now my balance is over XXXX with $ XXXX/mo payments and very little of that going to the principal. This is a trap, and they need to be sued immediately. I inquired about closing the account and paying it off, and I ca n't even do that to try to get this under control.
Consumer complaint received 2016-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (OH)

I 've tried to contact ERC regarding a XXXX bill from XXXX XXXX. It was briefly removed through a challenge, but now it 's back. I 've had a XXXX phone since XXXX. I have emailed and called asking for proof that this is my account, but I have not heard back. This is my last resort. The collection is for {$350.00}, but I have not seen any documentation. I only have 10 days left on free credit monitoring from XXXX, after which I will have no way knowing if it 's still reporting. Thank you.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2016 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-05-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

My wife and I received a wire to pay off our mortgage on XXXX XXXX, we went into a Wells Fargo branch to have the funds moved to payoff our existing mortgage so we could purchase a new home on Thursday. The branch representative called got a payoff and moved the funds provided us a receipt and said it would be showing in 24-48 hours. We checked this morning and were shocked to see a balance on our account. When we called Wells Fargo to find out what was going on it appears the branch did not appropriate the fund correctly and instead placed the funds toward future payments. We asked for this to be fixed but were informed it would be 48-72 hours thus delaying and potentially jeopardizing the purchase of our new home. I stressed importance of this to the mortgage rep on the phone was told nothing they could do, I spoke with a supervisor XXXX who also said nothing they could do it was not her fault the branch made a mistake and they have to re-appropriate the funds, the branch should have wired the funds vs. transferring. I explained this was not our mistake and Wells Fargo as a whole needs to resolve this was told nothing they could do, I mentioned filing a complaint with CFPB and was transferred to XXXX in the executive escalation team. XXXX was very nice but once again even though Wells Fargo received our funds in the form of a wire they could not verify that those funds are paying off our old mortgage so she was not able to provide anything or verify for the new lender that the funds are in Wells Fargo system but were applied wrong. This places us in a very bad situation that could potentially not only cost us money, we could lose our new home and since our old home is set to be rented/occupied on XX/XX/XXXX my wife, my children and myself are left without a place to live.
Consumer complaint received 2017-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (OH)

Company is re-aging this debt on my credit report. This account was closed 6 years ago and they are saying the account was past due as of XX/XX/XXXX. 

They are also showing it was open on my credit report in XXXX this account has been closed since XXXX. I want this account removed, The balance is incorrect and the credit agency is violating the law.
Consumer complaint received 2017-01-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I went to my Bank branch and requested to close my account. The teller wend ahead and closed the account and gave me the balance in the account. I asked the teller at this time whether any other charges or loans could go through the account now that it has been closed. The teller told me that no other transactions could go through and that the account was closed. This was on a Wednesday around noon. On Friday my payday loan payment was allowed to go through this closed account and I get an email telling me my account is overdrawn. I call the bank and speak to a representative and ask why did this loan payment go through. The representative advises me that the account is not officially closed for 24 business hours. I advised that this is not what I was told on the day I closed my account. The representative then tells me I can dispute this transaction. He puts me on hold and 10 minutes later brings on a representative from disputes. After speaking with the representative from disputes, I find out that this is a waste of my time since the transaction was legitimately mine and this dispute would do nothing but keep the account open. I told the representative to forget the dispute, thinking that at least the account would close. I then went and talked to a teller from my other bank and asked if I closed my account would charges and loans be allowed to go through. She said no. Then on this Friday another payday payment was allowed to go through this closed account. So now there is a negative balance of over {$400.00} with {$70.00} nsf fees. I call the bank again asking why this happened and was informed by a so called manager that the account is not closed and will not close until I pay off the negative balance. I do not understand how a bank can hold someone hostage like this. I was under the impression that if you did not have the money to pay the transaction they would return it. And especially if the account is closed. I put that debt into debt consolidation program which I have to make payments on. I do not have extra money to pay the bank the negative balance.
Consumer complaint received 2024-10-15
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. (NJ)

I am filing this complaint regarding my Experian credit report, which contains a lot of inaccuracies that are hurting my credit score very badly. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, documented, and validated before being used by creditors. However, the data being reported on my file does not meet these standards by far. Here are the accounts that I've found : XXXX XXXX XXXX- This is not my account. The information reported is outdated and inaccurate, which violates 15 U.S.C. 1681c. I requested verification of this account but have not received any proof that it was verified. The account details do not match my records, and I have not received any documentation to confirm its accuracy. 

XXXX XXXX - This is not my account. The agency reporting this account is in violation of 15 U.S.C. 1692g, as I was not notified in writing within the required timeframe. Only the original creditor can validate this debt, and I do not acknowledge or validate this debt. 

DEPT OF EDUCATION - This is not my account. Despite this, it continues to appear on my credit report inaccurately. 

These issues have significantly affected my credit report and, by extension, my financial standing. I have tried to have these inaccuracies corrected, but I have not seen adequate action from Experian. I am seeking your help in ensuring that Experian properly investigates these claims and makes the necessary corrections as required by law. I appreciate your time and help in resolving these issues.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

Major issue with Wells Fargo and their payment posting. 8 years into home ownership, starting with Wachovia, now it 's Wells Fargo. Due to circumstances, the lender placed insurance on the home - which was fine, that was just the way it had to be at the time. Per the bank, the only necessary/mandatory payment was the actual mortgage payment ( principal & interest ) - the insurance could be caught up at any time. So some months the insurance was made, but some months only the mortgage payment - BUT NEVER LATE, not once! Through the process, ultimately there was help from the Principal Reduction/Florida Hardest Hit Program - {$16000.00} to be posted directly to the principal balance ( figures provided by Wells Fargo ). After all the signing and everything was said and done - the numbers seemed wrong. Upon further inspection, it became evident that not only had the insurance payments not been posted to the insurance premiums, but the total awarded from the Hardest Hit Fund was NOT APPLIED to the principal balance - only about half was posted there. And through multiple calls and emails to Wells Fargo, their responses have been totally off point -- - they claim they ca n't re-post incorrect payments and they would have to retroactively add money to the principal amount with interest ( even though it was XXXX their mistake ) if they could re-post ; also claim that even though the paperwork plainly states the funds received were to go toward PRINCIPAL ONLY, they needed to pay off the insurance balance. Ultimately, the process of getting the principal to a manageable amount has been completely ruined by Wells Fargo and they are not willing to cooperate in any fashion. Is there any hope of getting anything done about this?
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CLGF Holdco 1, LLC (AL)

PLEASE PROVIDE PROOF THAT I OWN THESE ACCOUNT. MY IDENTITY HAS BEEN COMPROMISED. I XXXX LIKE TO HAVE THESE ACCOUNTS REMOVED IMMEDIATELY.