davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-24
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY ()

My mortgage originated with XXXX which was taen over by Wachovia. I got a refinance loan from Wachovia. When Wachovia was taken over by Wells Fargo thid loan dissappeared. I called the bank day in day out looking for information about this loan. They could give me no information what so ever. I wanted to increase the payments in order to pay it off before I retired. All the secure emails relating to this problem were deleted, hence no evidence of my correspondence. I even sought my sister 's help as she lives in New York and could communicate more easily with the bank. Still no joy. i can honestly say I spent 4 years trying to get to the bottom of it. Then suddenly about a year and a half ago it appeared online with my checking account and mortgage details. Since the revelations about the ban I have gotten in touch with them again and have been told my account details have been forwarded for further scrutiny. It has not been resolved yet. I also transfer money internationally on a monthly basis and have been charged double for these transactions for ages. I complained about this last year and was once again fobbed, I would be most grateful if you could look into this for me as i am struggling to get this loan paid off and was unable to get payments increased before, so I feel it 's the bank 's fault that I am now left with this debt. Where did this loan disappear to for so long? I feel I am paying loan shark rates.
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Loan Account # : XXXX Hello, For over a year now I have been trying to get a loan modification on my mortgage with my mortgage servicing company, Select Portfolio Company. I went through some very hard times and could not afford my mortgage then. However I went back to work and things have gotten better for me financially and have since pleaded with the mortgage company to modify my mortgage. For over a year now they have not given me the modification and my home is now in foreclosure scheduled for a XX/XX/XXXX sale date. 
I have given them all my financial statements that were requested including my income which includes my child support. They are refusing to use my child support and threaten to go ahead with the foreclosure on my home because according to them the amount is not the same every month. My monthly child support is a little over a XXXX and I receive it on a master card. I gave them the court order that shows the amount and 18 months monthly statement from the child support department proving I have been and still receive this income. 
They are however refusing to use my child support income because again according to them the actual amount received is not the same every month. They claim that because the actual amount receive is sometimes slightly more and sometimes slightly less than the amount ordered by the court that I get a letter from the department of child support explaining why amount varies. I asked to the court for the letter but was told they can not tailor a letter explaining why the amount receive is sometimes slightly higher. According to them they can only give me the monthly statements and the court order but can not tailor a letter to my situation. 
I explain this to my mortgage serving company and ask them to at least use the medium amount for every month but they insist they will not use the income at all however if they do not use my child support income that will disqualify me for the modification that is currently in progress with them. 
I have lived in this home with my daughter since XX/XX/XXXX and I am terrified that they are going to take our home away from us. I barely sleep at night. I do n't understand why they are refusing to use the child support when I have given them statements from XX/XX/XXXX to now showing I received at least {$850.00} every month. 
I am asking this office to please intervene and help safe my home. Please ask them to use all of my income and not deny me the loan modification. 
My mortgage company information : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX, UT XXXX : Phone : XXXX Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (GA)

Credence RM is trying to get money for a supposed debt never handed over to them. They have my personal information and are after my SSN. It 's a scam. On XXXX/XXXX/2017, I received a call from a local XXXX, GA number, XXXX. The caller claimed to be trying to collect a debt on behalf of their client, XXXX. As I knew that my insurance had paid XXXX in full almost 6 months ago, I got off the phone and called XXXX directly. I found out from them that their records indicated they were paid in full, that the account had been closed for nearly 6 months, and that the account had never been turned over to a collection agency as it was paid promptly and in full. 

So, I Googled the phone number that I had received the collection call from and found Credence Resource Management LLC. I called Credence directly to try to clear up the matter, but was told they could n't look me up without my Social Security Number, which I was not going to give them, as they had already confirmed my name, phone number, and address, which would be more than sufficient to look up my account. I got off the phone and did some additional research on Google and discovered that Credence RM has a track record for calling from local numbers, never leaving messages, and for being a scammer. As I had been receiving calls from different local numbers recently, I decided to Google those numbers as well, and sure enough, they traced back to Credence RM. 

As my " debt '' does n't exist, and my information was never given to Credence RM, I 'm strongly of the belief that this company is illegally operating to scam people out of their money by illicitly obtaining confidential information, masquerading as a collection agency, and scaring people into giving them money and additional personal information that can be used to steal their identity ( such as SSNs ). It 's alarming to me that Credence RM has information regarding my previous medical treatment, that was not given to them by any of the involved parties ; it begs the question, " how did they get it? ". Given the numerous complaints against this company here on the CFPB, and on Google, I think this company should be investigated for illegal practices and scamming.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A request for an investigation was sent XXXX/XXXX/16 to TransUnion and it has exceeded 30 days. I have not received any status update nor investigation results which is a violation against the Fair Credit Reporting Act.
Consumer complaint received 2016-05-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MN)

I have had a longtime good relationship with USBank XXXX! I was XXXX while working On the Election Capagins XXXX in the XXXX XXXX XXXX XXXX. I had purchased a new Volkswagen Jetta Flex Fuel through XXXX XXXX in XXXX. I got the financing with XXXX XXXX and the XXXX. I got several XXXX XXXX Law Forms to help me get successful resolution of the insured debt and personal injury. US Bank did not have to pay off the accident. I am heavily insured and had a XXXX credit score. There was a change in management at US Bank. The new head is XXXX XXXX. I invested my settlement in a XXXX XXXX and a University XXXX XXXX XXXX. Employees at USBank and XXXX credit cards literally stole the monthly payment from XXXX of the Financial Institution with the highest ratings XXXX and America? While would USBank employees steal from XXXX XXXX. Fire the head of USBank XXXX XXXX and replace him with a more qualified woman president! Fir give my minor USBank credit card debt?
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MB FINANCIAL, INC. (MI)

On beginning of XXXX, I submitted a complaint to the CFPB ( case # XXXX ) about the no-consulted rise of the mortgage ( Acct # XXXX ) of my house by MB Financial Bank. On XXXX XXXX, we got an answer explaining what the Bank did with the automatic payments I was making. In the answer, the Bank states that wants to work with me to bring current the mortgage account. When I noticed the Bank had answered to my complaint, it was about XXXX XXXX. After reading and reading the letter to understand the numbers, on Monday XXXX, MB Financial put the house in foreclosure status. I called a MB Financial Toll Free number and the operator told me that since the house in Foreclosure, I have to deal with the foreclosure department ( law firm handling the case ). My point here is that it is unfair that when we were that close to fix the problem with the mortgage, now I have to pay the lawyer 's fee. I want the Bank to consider and withdraw those fees from the amount I have to pay. By the way, I have never been reluctant to pay my mortgage. I have been and am willing to pay my mortgage. 

The second point here is that I have never received or signed a formal letter telling me that the mortgage was increased. 

The Third point is that the house has insurance before MB financial Bank bought XXXX XXXX Bank. The information was in the XXXX XXXX Bank records. I do n't understand why the Bank is insuring the house again and charging it to the escrow. I want MB financial to remove that insurance from the escrow since the house was already had insurance. 

The last point I want to mention is about the money that was deposited into the mortgage account that was refunded but never cashed. In the answer letter of the XXXX complaint, it is mentioned that on the following dates was performed a refund by check : Date Amount XX/XX/XXXX2016 {$590.00} XX/XX/XXXX2016 {$1300.00} XX/XX/XXXX2016 {$1300.00} XX/XX/XXXX2016 {$1300.00} Total {$4600.00} I appreciate if MB Financial Bank can add this amount ( {$4600.00} ) to the mortgage account since those checks have never been cashed. In other words, I do n't have that money. That money is in the Bank.
Consumer complaint received 2016-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: American Financial Resources, Inc. (CA)

Approximately on XXXX XXXX, 2016 I contacted XXXX. The were very eager to help me re-finance with money out. I completed all their paperwork with in about 7 days. They then told me it went to the underwriters. At this time I paid {$490.00} for an appraisal for my house to qualify for this loan. My appraisal came in at {$320000.00} and I wanted to take out all I could which meant I wanted my loan to be {$260000.00}. I then waited for the rest of XXXX, XXXX, and XXXX calling them approximately every 10 days to find out where my refinance was at. And everytime I called they said it was at the underwriters. I kept asking if they need more information. NO NO you are are fine, Finally on about XXXX XXXX, 2016 I received an email from them listing about XXXX things they needed from me in order to close. By this time I contacted another mortgage lender and closed within 3 weeks. I think they should refund my {$490.00} for my appraisal fee. When entering into a contract with them I believe time is of the essence. and by stalling my home loan for 3 months is NOT a timely fashion. Every other time I have refinanced my home the loan has been completed within 30 days. 

Thank you XXXX CA XXXX XXXX
Consumer complaint received 2016-07-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I was given a postponement day on my auction trustee date in XXXX they postpone it till XXXX XXXX under the understanding to sell home to pay my FHA loan to Wells Fargo I had a buyer qualified and contract witch they received, title company in process. Buyer sold their home to buy mine. Bank denied time for escrow to close and sold my house today in auction. Do n't understand I spent money to fix home and am on XXXX currently. I just want to payoff my loan, so I could buy a home for me and my XXXX grandkids. Was denied modification and was forced to sell home.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion had a glitch in their system that violated the rights of the consumers under section 6.11. As a result I, have been gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that all inquires be removed. 

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 2016-07-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

1. XXXX/XXXX/2016 : I wired money to a Citizens Bank account holder. The money was urgently needed. Mailing a check would be too slow. 
2. XXXX/XXXX/2016 : Citizens Bank acknowledged receipt of the money. The money is " lost ''. 
3. XX/XX/XXXX-XX/XX/2016 : Daily follow-up with Citizens Bank . Money is still " lost ''. 
4. XXXX/XXXX/2016 : Promised call from the Citizens Bank Office of the Chair by the end of the day was not received. 
5. XXXX/XXXX/2016 : Continue to be at an impass. The money is not available to me or the specified policy older. Citizens Bank is not willing to anything but continue looking. Day 8 and counting.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Today I just found out I lost my wallet, it includes my State ID and couple of bank cards, so here I am, trying to request a free annual credit report from AnnualCreditReport.com, but since a month ago a banker checked my credit score from XXXX and XXXX, and denied me a mortgage loan, I can only apply my free credit report from TransUnion. I start my online request form on AnnualCreditReport.com, everything going OK, until it request me to answer some security questions ( to identify me ). It asked me XXXX questions, the first XXXX matches my identity. But the last XXXX did not match any of the fact I remember. The XXXX question asked me, in which state I obtained my social security number? They put out XXXX names in the answer choice, including my home state ( NY ) as XXXX of the answer, but I clearly remembered I received the card in another state besides NY, and it was not listed as my choice, so I answered NONE OF THE ABOVE. Also, I have been asked which was my current or previous employee ( I have been out-of-job for 7 years ), but none of the choice match any of my previous employees, so I also answered NONE OF THE ABOVE, then it says it can not give me my free credit report! If there 's an alternative answers to XXXX of these questions, then those answers are not match my identity. How can I report this problem and correct the answers?
Consumer complaint received 2016-10-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (IL)

Equifax continues to report unverified accounts and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Equifax is in violation of Federal law.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax improperly secured my personal information and according to their equifaxsecurity2017.com service, my data were compromised. Equifax is now coercing those affected to enroll in their TrustedID Premier service ( after the website tells customers their data were compromised the only remaining dialogue says " click the button below to continue your enrollment in TrustedID Premier '', the terms and conditions for which void customers ' rights to legal action against Equifax. ) Outside of the option of never applying for credit, at no point in my life have I ever had any option to prevent Equifax from obtaining my information. The action of simply applying for credit in the United States has left me vulnerable to Equifax 's improper data security. Therefore, Equifax was entirely responsible for ensuring my privacy, which they failed to do.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

I am filing a formal complaint against ChexSystems , Inc. regarding the inaccurate reporting of an account on my consumer file. Specifically, the report contains an entry associated with an account at XXXX XXXX XXXX XXXX ( previously known as XXXX XXXX XXXX XXXX ), with the following details : Account XXXX XXXX XXXX XXXXXXXX / XXXXXXXX XXXX Date : XX/XX/2020 Charge-off Amount : {$310.00} This account has been inaccurately reported, and I have not provided consent for ChexSystems or the bank to report such information. I am disputing this entry on the following grounds : I did not sign any contract or agreement authorizing the creation of this account. 
I have not provided ChexSystems or XXXX XXXX XXXX XXXX with permissible purpose to furnish or retain my data, as outlined in the Fair Credit Reporting Act ( FCRA ). 
I requested validation of the account by mail from ChexSystems, including a copy of the original contract and my written signature authorizing the creation of the account. To date, ChexSystems has failed to provide this information or remove the negative account from my report.
Consumer complaint received 2016-09-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Law Offices of Gerald E Moore & Associates, PC (GA)

Original creditor, which is XXXX, turned unresponsible debt over to XXXX XXXX XXXX, in which sold the debt to, now XXXX XXXX XXXX and associates, who are now threatening to take me to court in 30 days and they told me to get a lawyer to represent me. I already have a case being looked at by you. That case number is XXXX regarding XXXX properties and XXXX regarding XXXX, who they first turned it over to.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

I have recently went through the mortgage process and purchased a home. During this process it was brought to my attention that I had a couple negative items on my report. XXXX being an {$8.00} med bill and XXXX I realized was for an business auto loan that I NEVER signed any loan documents for. I did work for the company and was on the board at the time but when they said I would need to sign for the loan personally instead of as a corporate representative I out right refuse and never signed for this vehicle. I let the company a short time after. I have disputed this with all XXXX credit agencies and believe it have been removed from XXXX, I 'm not sure at this time about XXXX but Experian asked that I contact the lender direct which I did and they said they had no records to show my signature, only an electronic file showing I was a customer of theirs, and they suggested I dispute it and it would be removed. I told them I did and that 's why I was contacting them so they suggested I ask for a reinvestigation. Which I did and so far on XXXX occasions Experian has refused to remove it and just keeps telling me it 's " Updated ''. Here is the deal, show me my XXXX signature because I NEVER signed for it, and if someone forged my signature I want to know. I have a short email chain between me and the lender but obviously no script of my calls. This may seem petty since it is only listed for being 30 days late once but it is the point. I did NOT sign for this loan ... ... so WHO did. The credit reporting agencies should have to report who they spoke to and contact information for them and what documentation that they obtained " validating '' or " confirming '' an account belongs to someone. Not just send a generic letter stating they " updated '' the status and I can add XXXX words as an explanation? Whatever, show me the evidence.
Consumer complaint received 2024-10-03
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. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need to attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-03-28
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCB Management Services Inc. (TN)

I filed a dispute with the credit bureau. There is inaccurate information on my credit report. It is damaging and hurting my credit worthiness. I do not have a contract with the collection agency, that is reporting to all three credit bureau. I do not owe this collection agency. They should not be able to knowing violate the Fair Credit Reporting Act by reporting inaccurate information and failing to properly investigate the inaccuracies being reported.