davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have a derogatory mark on my credit report from an unfamiliar collection agency. 
This agency indicates that there are 2 collection accounts in my name : The first : {$750.00} opened XX/XX/2014 The Second : {$1000.00} opened XX/XX/2014. 
I am not familiar with these accounts, nor have I had any communication or contact with this collection agency. 
I have not been provided with proof of such debt.
Consumer complaint received 2016-09-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (IN)

Please consider this complaint a notice of error regarding loss mitigation options. Borrower sought loss mitigation options on an FHA loan and was offered an FHA Formal Forbearance for six payments of {$2100.00} for a total of {$12000.00} in payments in order to cure her arrearage on the account. This type of offer is only supposed to be made according to mortgagee letter XXXX if XXXX % of a borrower 's *surplus* income can cure the arrearage within 6 months time. Borrower 's *gross* income was calculated and presented to US Bank as {$2100.00} on her financial worksheet. Essentially, the repayment plan ( forbearance ) that has been offered represents nearly XXXX % of her gross income, which does not comply with FHA guidelines for such plans.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I disputed XXXX XXXX XXXX hard inquiries on my credit report. I received a letter stating that they would investigate and keep me informed of the status within 30 days. I received no updates. These inquires were from XXXX and XXXX. I have called Equifax on a few separate occasions and have been told there is nothing they can do to help me. I called XXXX XXXX and they promised to send a letter requesting the fraudulent inquiries be removed from my report. Still nothing has happened. There should only be XXXX hard inquiry on my Equifax report that is actually mine. There are now XXXX, which puts my status in the POOR area. Equifax refuses to remove the fraudulent inquiries. Do I have to bring a lawsuit against them in order to get them to remove the fraudulent inquiries?????
Consumer complaint received 2016-05-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MD)

I am working with a lawyer to attempt a loan modification and the most recent documents from the mortgage company states " account was reviewed and denied for loan modification on XXXX/XXXX/2015 due to debt to income ratio out of acceptable guidelines. Account currently no longer being solicited due to Cease and Desist placed on the account ''. 
Neither my lawyer or I am aware of where this statement originated from because I have been working with them for months to resolve this modification issue. Any assistance you can provide would be very helpful in working with my lawyer to acquire a loan modification on the property.
Consumer complaint received 2017-03-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a loan with bank of new york servicing company is XXXX, first i was doing loan modification the bank did not qualified me then they offer me short sale in writing all this time their lawyer has been harassing me with dual tracking having me in foreclosure posting papers on my front door even do i have approval from loan modification and then short sale is almost impossible to speak with an associate they claim that my house does not have sale date with is untrue because it shows in the public records that the sale will be XX/XX/XXXX, so i hired an agent working for XXXX we already submitted all the information with the offer of qualified buyer every time they said that either they not receive the documents or they are missing is impossible to talk with the person on charge XXXX she never ever answer never different people would tell you different things misleading the homeowner in distress all i got is harassing letters from unprofesional record XXXX with really bad reputation with documented cases in all the social media by the way XXXX many phone calls i made to his office and they totally hung off the phone on me and one associate call me filthy XXXX because my accent they are pretending that they want to help but time is passing and the sale of the house is close, they send me letters with big numbers not according with my records impossible find out because they do not answer and change personal every month so looks very disorganize very unprofessional i have my agent working hard to get buyers and he is having the same issues XXXX is a prestigious company i guess they can testified that i am telling the true i hope lawyers from XXXX step in this case, i think they are malicious pretending that they want to help but facts show the contrary they making it hard for us totally misleading us.
Consumer complaint received 2024-08-04
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. (OK)

I am a victim of XXXX XXXX  of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (WA)

Recently, Costco terminated their agreement with XXXX in favor of an agreement with Citibank. Without customer authorization of any kind, they opened a new account and issued a VISA card. I had no balance on my XXXX, as I do n't carry a balance so there was no outstanding balance to transfer. I did not activate the card, but I went to Costco - and told them I did n't want a VISA. I got a regular Costco membership card ( with no credit features ) and destroyed the Citibank VISA I had received. Then, Costco charged a membership renewal fee to the VISA card ( that I destroyed and told them I did not want ). When I called to complain, they said it would take XXXX16 business days to remove the charge, so I could pay the membership fee in cash. That would cause a late fee on the Citibank VISA card, as 14 business days is after the due date - even though I called as soon as I got my statement. Costco should not have been able to issue a credit card that was not requested, activate it XXXX to charge a membership fee ), and fail to cancel it upon notification that I did not want the card.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am requesting your help to resolve the incorrect account reported on my credit report. This issue has caused damage to my reputation, and I need your support. Due to your errors in managing my credit report, my reputation has been severely impacted. Please remove these inaccuracies so I can move forward with my life and my family.
Consumer complaint received 2016-05-04
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: BUDGET CONTROL SERVICES, INC. (CO)

A debt collection company ( Budget Control Services , Inc ) continues to harass me and try to collect on a debt that is in dispute with my daughter 's dentist involving issues with our insurance company. 

I sent a cease communications letter via certified mail return receipt, that explained that their charges were in error and that I choose not to work with a third party collection agency. 

Today, I found out that BC Services placed derogatory & false information on my credit report and have continued collection efforts to include phone calls. 

I have copies of the cease communications letter they received, and certified mail receipt if needed. It was signed by " XXXX XXXX '' at their corporate office on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , CO XXXX on XXXX XXXX, 2017 ; 7 days after I received their threatening letter. 

I suffer from numerous ailments that are aggravated by XXXX ( XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, to name a few ). I just want this harassment to stop! 

Please feel free to contact me for additional information. 

Thank you!
Consumer complaint received 2016-10-06
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (KY)

This is my THIRD attempt in getting my money back from Wells Fargo. The first time I filed a complaint, Wells Fargo responded by stating that they would return my mortgage payments that they accepted although my home was in a " foreclosure '' status. 
I had fallen behind on my mortgage payments and was in the process of doing a loan modification when my home went into foreclosure. By this time, I had set up an allotment out of my military pay for the monthly mortgage amount. I paid nearly {$10000.00} in mortgage payments after being told that the payments were not being applied, but instead were being put in a separate account and they would either a. be returned to me if we were not approved for a loan modification or b. would go toward the mortgage once approved. After all was said and done, Wells Fargo took my home and my money. I was denied for mortgage assistance, the appeal was denied, and I ended up having to short sale. I was advised that I would receive location money, but I did n't get that either. It turns out that Wells Fargo was applying the payments, although my home was in foreclosure status and they have specifically stated that they COULD NOT do that. I have a written document where they told me that they were going to return the money, and still nothing. I would like for my mortgage payments to be returned immediately. 
The original response that Wells Fargo gave in regard to returning my money was that they never said that. However, it is annotated by Wells Fargo as a response to my previous CFPB complaint. Wells Fargo states ( see attachment ) : " We have provided information regarding the previous payment assistance review, confirmed that the military payments made after the loan was referred to foreclosure will be returned to the remitter and initiated a new review for payment assistance. '' The denied my appeal XXXX payment assistance review ) and only returned XXXX payment. This is the bulk of my current complaint, but I feel that I must mention how long this process was drug out and that I was traded to a different " home loan specialist '' at least XXXX or four times and had to start the process over each time.
Consumer complaint received 2017-03-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I was approved for a Hamp Tier modification by my mortgage company and I do n't believe it was completed correctly. The mortgage company states it is correct. I have been unable to get answers to specific questions from the mortgage company or Hamp. My final permanent modification increased my mortgage payment.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (IL)

I ran my credit report with Experian today- XX/XX/2017 and noticed incorrect name spelling and address spelling in my file. Specifically : XXXX is an incorrect spelling of my name, which should be : XXXX. Similarly the incorrect address is listed as : XXXX, IL. XXXX. In reality there is no unit number and the correct address should be : XXXX, IL XXXX.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In Accordance with the Fair Credit Reporting Act, the list accounts below of has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681 XXXX. XXXX XXXX Bank : Acct : XXXX XXXX XXXX XXXX Bank XXXX Acct : XXXX XXXX. XXXX XXXX XXXX XXXX : Acct : XXXX XXXX. XXXX XXXX XXXX XXXX : Acct : XXXX XXXX. XXXX XXXX XXXX XXXX : Acct : XXXX XXXX. XXXX  XXXX : Acct : XXXX XXXX. XXXX XXXX Bank Acct XXXX XXXX XXXX. XXXX XXXX Bank XXXX Acct : XXXX I have had a chance to review my Experian Credit Report on XXXX the XXXX 2024 and notice some discrepancies, and things that are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be incorrect or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Thank you sincerely XXXX XXXX
Consumer complaint received 2024-09-28
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. (MO)

On XX/XX/year>, I sent a notarized Direct 609 letter to all three credit bureaus to investigate the negative accounts on my credit report. In accordance with the FCRA, that they investigate and correct these inaccuracies within 30 days of receiving this letter. Additionally, I request that they provide me with a detailed response outlining the results of your investigation, including the steps taken to verify the accuracy of the information and any changes made to my credit report. 

On XX/XX/year>, I then sent a notarized & certified 30 Day Demand to Comply letter within the specified timeframe and they failed to provide. I have also put on notice and include filing complaints with the ( FTC ), XXXX, and the attorney general of Missouri, considering legal action to protect my rights. 

Negative accounts Account Name : XXXX XXXX  Is Account Number : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # : XXXX Issue : unauthorized XXXX. Account XXXX : XXXX Account # XXXX Issue : unauthorized XXXX. Account Name : XXXX XXXX Account # XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # XXXX Issue : unauthorized XXXX. Account XXXX : XXXX Account # XXXX Issue : unauthorized XXXX. Account XXXX : XXXX XXXX Account # XXXX Issue : unauthorized XXXX. Account Name : XXXX XXXX  Account # : XXXX Issue : unauthorized XXXXAccount Name : XXXX XXXX  Account # : XXXX Issue : unauthorized XXXX. Account Name : XXXX Account # : XXXX Issue : unauthorized To ensure compliance with federal law, I expect a prompt response and resolution to this matter. Please send all correspondence regarding this request to the address listed above or via email at XXXX Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX
Consumer complaint received 2017-03-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

I just experienced the most terrifying banking transaction of my life. I visited my local Chase branch at XXXX, TX around XXXX CST on XX/XX/2017 to make a cash deposit at the ATM. I needed to deposit XXXX XXXX dollar bills. I researched online and checked the website and there was no indication of any denomination restrictions. There was n't really any information explaining how cash deposits work at the ATM 's period. Once I arrived and choose cash deposit, it said to deposit up to XXXX bills. I counted out XXXX XXXX dollar bills and inserted it into the slot. The machine started processing, then said " could not be read ''. The machine then started making noise like it was going to give the money back. Then the door closed and the screen said the machine had a technical issue, call this number. The cash door kept opening and closing, the machine kept making noise. I received no receipt or confirmation that any transaction had taken place. At this point I am officially panicked. I call the customer service line and document my issue. They assure me this will be taken care of. I call the XXXX Police Department to file a report and they say there is nothing they can do. I am absolutely terrified, my money is in limbo. The machine could be spraying my money out on the ground as I write this and I would have no proof that I even put the money in. I do n't know what to do, I feel like there should be protections in place to prevent something like this from happening. I think people should be aware, ATM 's that take cash deposits are not safe. They are going to conduct an internal investigation, which means they have complete control of the logs and evidence like camera footage. I am completely at their mercy at this point. I researched other people that have had this issue and in some cases Chase has determined that the money was never deposited. At this point I have technically been robbed of {$3000.00} by Chase.
Consumer complaint received 2016-09-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

In XXXX XXXX, XXXX XXXX, took out a mortgage loan in the name of XXXX XXXX and purchased another property which was put into XXXX XXXX 's name and XXXX perpetrated fraud of which she was convicted and sentenced to prison for Identity theft. The lender at the time was XXXX XXXX XXXX XXXX. XXXX XXXX had kept paying her regular mortgage thinking that it would soon be paid off, but then started to receive notices that her home was in foreclosure, but it was not her primary residence. The property was XXXX XXXX, XXXX XXXX, NJ. She found out that this fraud had taken place, when XXXX XXXX started to send notices that that home was in foreclosure and notified the police, who arrested XXXX XXXX and found the documents attached. Many of which where unsigned. XXXX XXXX forged XXXX XXXX signatures. XXXX took out a brand new mortgage and used those funds to purchase XXXX XXXX, XXXX XXXX, NJ property. XXXX used XXXX ' social security number. XXXX stopped paying on this mortgage in XXXX XXXX and feels that she should not be responsible for this fraudulent mortgage. This mortgage was transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now Bayview. XXXX is an XXXX XXXX XXXX widow and needs assistance with this fraudulent mortgage. Her home should have been paid off free and clear by now, instead she is facing foreclosure due to this fraudulent mortgage taken on XXXX XXXX XXXX, XXXX, NJ.
Consumer complaint received 2016-09-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (IL)

I logged into my US Bank checking account in the morning, saw pending transactions that required a deposit. I made that deposit, yet the next day an additional transaction was posted that still caused my account to be overdrawn. Because that unseen transaction was processed first, instead of last, US Bank was able to charge me an overdraft. The next day, I follow the same process and make a deposit to cover all pending transactions. Sometime well after I logged in, the overdraft from the previous day is posted to my account, again allowing US Bank to charge me an additional overdraft charge. 

My concern is two-fold. 1. US Bank is intentionally processing transactions in an order that allows them to charge overdraft fees, instead of in an order that is best for their customers. 2. US Bank is not posting their actual overdraft fees until late in the day, after most people have checked their account for the day. This approach allows them to then catch customers with minimal funds with not enough cash to cover that days pending transactions, because of the overdraft fee is processed before any of the pending transactions. Had the overdraft fee showed in the morning, I could have ensured enough funds were in the account to cover that as well. 

Lastly, and maybe most frustratingly, I spoke to XXXX ( employee ID XXXX ) at XXXX XXXX, who when we could n't come to an agreement, refused to escalate my call. He insisted that US Bank did have an escalation line. Then refused to transfer me there, saying they were n't open. When I asked why, he said due to call volume. At that point, I asked for the phone number, so I could call back later and he said that they would not be available at all that day. I asked why, and he refused to tell me. I then asked to be escalated to the next level manager and he also refused to do so. So, XXXX gave me no opportunity to escalate at any time. Either US Bank does not have the appropriate escalation options for their customers, or this employee denied my request to speak to them. He did state that the calls are recorded, so this should be easy to find and review. I was not abusive and did not yell, but I was frustrated and hope this can be addressed. I would appreciate receiving a call from a US Bank representative if possible.
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NV)

I have paid my Wells Fargo mortgage loan on time ( actually I am one payment ahead ) for over 10 years but all of these payments are not showing up on my credit report. The account was reaffirmed, however, there has been no payment history reported since XX/XX/2010. I am in the process of applying for another mortgage and need to have this history updated on my credit report immediately so that it can be factored into my overall credit rating.