davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Dynamic Recovery Solutions, LLC (FL)

I received a call that addressed me by first name and stated that she needed to verify information for an application that I had submitted which I thought was odd and addressed me by my first name and repeated my last XXXX of my social once she verified that she stated it was to collect information for a debt which she was not upfront and tell me that in the first place, then she proceeded to inform me that she was calling from Dynamic Recovery for a debt they had placed in her office XXXX/XXXX/2015, I asked her for information as to the account and the debt, her information and company information and she proceeded to tell me I was not cooperating with her. I reminded her the conversation was being recorded and she then placed me on hold and I was in silence for several minutes forcing me to hang up because she did not respond to me.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells fargo has lost my paper work for over 5 years for a loan mod. They are now foreclosing on me and I have no other choice but to sell. But they are not letting me sell. they are foreclosing! I have asked them for a HAFA short sale but they are selling my home. I have attached my hardship letter and other documents for your review. I would like to be at least considered for a HAFA short sale. It has taken them so long they want me to pay for their mistake in loosing my documents for what I got behind with. it 's their fault. I have a real estate agent who listed my home yesterday. 

Please help me.
Consumer complaint received 2015-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MN)

My mortgage principle is currently at 77.9 % LTV and trying to terminate PMI with US Bank. Home was purchased XXXX/XXXX/14 and payments are up to date. Multiple attempts to contact US Bank to terminate PMI have not worked but local US Bank mortgage loan officers have stated it will be terminated. However PMI is still being included on my loan statements. 
Regards,
Consumer complaint received 2016-01-12
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

I completed a modification, things were going well. I called my servicer to make the payment for the next month and they told me the loan had a XXXX balance. I expressed to them that there must be a mistake. So I called again to speak with management I needed to see how this could happen and no one could assist. I contacted the department of veteran 's affairs to see what they were showing and they told me the same thing. Looked at my credit report and it stated the same thing. I then contacted the lender and they said the same thing and referred me back to the servicer. I called about XXXX times just to verify what I was being told, then I requested a letter to be sent stating that fact and they sent it. I received a XXXX from IRS stating that the debt had been forgiven and that I had to file it as income. So now the Department Of Veterans Affairs, Credit Report, Letter from the servicer, and the IRS have the same information that the debt has been forgiven. Ocwen finally returns the call and says they will investigate the matter, I told them after all of this I will take it as it is forgiven when should I expect a release of lean? They said they would call back. I received a letter a few months later stating that they made a mistake and I owed all this money in mortgage payments. I contacted an attorney. I am livid. Please tell me that this has happen to someone else. I almost feel like I should n't have said anything but my morals wo n't let me do it. I do have a strong value for integrity. 

I bet they wrote it off and received a tax break, now they want to re-recoup. How fair is that to the homeowner. I am so tired of XXXX dollar companies robbing us ( the Veteran, the poor and middle class ). They should know better. This is ridiculous. They finally sent a letter acknowledging the mistake, put it back on my credit as delinquent, reported it to the VA that its delinquent and yet refuses to do what 's right. They should be made to honor the XXXX and let the forgiveness stand, they already received the tax break from it.
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (SD)

my equifax credit report is showing my XXXX XXXX XXXX entry as being reaged as its showing the date of last payment as XXXX and the date of first delinquency as XXXX. i am in the process of rebuilding my credit at this time and this type of information hampers my attempts to obtain any new loans. also i am requesting the the credit entries XXXX and XXXX be deleted as well as they will be falling off my credit report in the coming months
Consumer complaint received 2016-02-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NJ)

I have tried to dispute several items in my report but Equifax tells me that the information that I give them is incorrect and I ca n't proceed with the dispute. I have previoulsy disputed XXXX other item which they accepted ( but have n't finished their investigation ), and used the same informaton that I used for the accepted dispute. Additionally, they dropped my credit score XXXX POINTS without giving me a reason. Nothing had changed on my report for the last three years. XXXX XXXX has the same information and their score is XXXX points higher!!! Could it be that Equifax is making me pay for the dispute I put in and they accepted????
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

on XXXX XXXX, XXXX, someone other than me applied for an unsecured credit card from XXXX and was denied. 
I received the denial notice around the XXXX or so of XXXX and immediately called XXXX and was connected with their Fraud Department. XXXX at XXXX informed me that they would file an Initial Fraud Alert with the XXXX Credit Reporting Agencies. She was a big help and informed me of the steps that needed to be taken to investigate other possible Identity theft and Credit misuse. She also informed me that due to the fraudulent application using my personal information and the fraud alert placed on my Credit Reports that I was entitled to a free copy of my Credit Files from Experion, XXXX. 
The process in getting those reports is less than stellar and I can not get any automated telephone process to go through nor can I get my file via ANY of their websites! They all want me to pay XXXX or XXXX dollars or can not verify the information that I present during the Identity Verification steps at their site. 
MY COMPLAINT : None of the Credit Reporting Agencies have telephone numbers that will connect you with a live agent! All of the Numbers are for the automated report ordering system and they have all asked for credit cards and wanted to bill me with no option to speak with a live agent. 
My fear is that whoever applied for that card has intercepted the process and without a live agent to speak with, I can not confirm this. 
Also, XXXX of the reporting agencies asked questions about auto-loans I supposedly took out in XXXX of XXXX, asking which of XXXX possible Creditors and XXXX possible monthly payment amounts AND an Installment Account, again with XXXX choices of Creditors and XXXX possible payment amounts! This has me very afraid as I have not taken neither an auto loan or an installment/Finance account since the late XXXX 's! 
I need to resolve this and speak to a REAL PERSON! 
I am trying to rebuild my credit and it seems to me that the reporting agencies just do not care. I am totally frustrated as this is just bad customer service in an industry that is supposedly providing services that include sensitive information that dictates the consumer 's quality of life in this age of instant credit! 
EXPERIONXXXX : Your processes are not user friendly nor are they customer focused and you do not have anything that resembles Customer Service for the consumer 's affected by all the Credit Fraud and Identity Theft that is running rampant in today 's financial industry. YOU ALL XXXX! 
Sincerely, XXXX XXXX XXXX XXXX XXXX, TX
Consumer complaint received 2016-01-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CO)

on the XXXX of XXXX XXXX I tried to make a mobile check deposit with XXXX in the of XXXX dl their mobile deposit kept giving me an error, so I believed the check did not get deposited I than did a mobile check deposit with the same check with Wells Fargo. Than I get and email from XXXX saying that the check had been deposited. I than contacted XXXX banks and notified them of my mistake. They rest asured me that it would get cashed by XXXX of the banks and bounce on the other. The checks bounced with XXXX banks. I than called Wells Fargo and they said since XXXX checks bounced via mobile deposit, that I should take the physical check into a Wells Fargo Branch and re attempted to deposit the check in person on the XXXX of XXXX than on the XXXX of XXXX the check bounced. I also got charged to my account the same check amount, the account acted like I owed for a check never deposited into my account. I filed claims with Wells Fargo the brought my balance back to where it should be and took away all the overdraft fees. At this point I contact the issuer of the check XXXX XXXX they also bank with Wells Fargo, they see the funds left their account on the XXXX of XXXX but never returning. I call and spend numerous hours with Wells Fargo Customer support nothing is getting resolved. I finally went back to my local branch and have been working with Wells Fargo Banker XXXX XXXX XXXX XXXX XXXX XXXX. I met with him beginning of XXXX I brough all my paper work letters I received from Wells Fargo and XXXX. He than sees that I still have the refer to maker check rest assures that check is still good for deposit so I did on the XXXX of XXXX XXXX on the XXXX of XXXX the check also bounces. At this point he tells he is sure its XXXX fault that they still have the funds. XXXX does not Wells Fargo also the says they do not the issuer of the Check says the funds left her account. Nothing is getting resolved I feel very powerless and out the XXXX I worked so hard for. Please help me find where the money is stuck. Thank you kindly.
Consumer complaint received 2016-01-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (WA)

I applied for a loan modification through Flagstar bank on XXXX XXXX, 2016. I spoke with a representative at Flagstar bank in hopes of the underwriter granting my modification request due to my financial hardship. I have a serious XXXX and i do qualify for the XXXX XXXX HAMP program. On the phone call i spoke of earlier, i was notified by Flagstar that i would have a new servicer of my loan. I have not been provided sufficient details in writing about my loan modification request. Today, is XXXX XXXX, 2016. Flagstar has waisted four months denying my requests on XXXX occassions.
Consumer complaint received 2016-01-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I have mortgage loan with Select Portfolio Loan Servicing or SPS. They had bought my loan from XXXX while it was in the process of a modification. It has been almost 4 years since and my modification keeps being denied on the basis of my self-employment income -- income which they have miscalculated each time. A different income is calculated even when I submit the same income information for my modification. 

When I finally got XXXX involved to help me, this miscalculation did not stop. As recently as this past XXXX, XXXX had calculated my income to be at 22 % in terms of my expenses ; yet again, my modification is denied due to income calculation. This has been my second denial with XXXX 's help. I just do n't know what to do anymore with SPS. I am trying to keep my home but they are trying to kick out of home. Please help me! 

XXXX
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Credit determination — 
Company: BBVA FINANCIAL CORPORATION (CA)

This bank has no issue placing hard inquiries on my credit report but keep sending me letter saying they ca n't verify me. I have mailed twice to the fraud specialist that they give people in customer service when they receive this letter and she has not once e-mailed, mailed, or called me! No one in customer service has ever allowed me to verify anything, send in documents, nothing and my XXXX credit report is up to date and verified and monitored by me daily! 
I have also made XXXX complaints to your office and each time the bank has wrote in response to you that they think my identity has been stolen and that is why they have denied my application. That seems interesting since the information on the application matches my credit report, I 'm calling saying it 's me applying, I 'm offering to send in verification, and I have filed XXXX Consumer Financial Protection complaints that they are not fairly processing my application and yet they give you the same XXXX answers they provide me.
Consumer complaint received 2015-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Meridian Financial Services, Inc. (NC)

After pulling my credit report in XXXX, I notice a few accounts with a huge outstanding balance owed to Meridian Financial. I contacted Meridian Financial on XXXX/XXXX/XXXX. I spoke to XXXX about options for a plan to pay off the obligation. At that time, she said l would have to pay a lump sum of {$3000.00} in order for the account holder to look at the possibility for payment. 



I called Meridian Financial on XXXX/XXXX/XXXX and spoke with XXXX. I asked XXXX about my Credit Report and that it stated that I owe {$7500.00} and XXXX accounts. He informed me that the total is {$9400.00} and XXXX accounts on his records. XXXX stated that Meridian Finical Services a lump sum of {$3000.00} by XXXX/XXXX/XXXX or they are going to put more stuff on my credit report. Also, they could n't work with a payment plan until I pay {$3000.00} to possibly get approve for a payment arrangement. 



I spoke to XXXX at XXXX XXXX on XXXX/XXXX/XXXX at XXXX am. He told me that there is no one at XXXX XXXX can help me or speak to me about the account due to the delinquent status. He informed me to call Meridian Financial Services at XXXX ( but the # 's I have on file is XXXX ). I informed him the reason I contacted him due to not getting help with a payment plan from Meridian Financial Services and that I will be filing a complaint with the Consumer Financial Protection Bureau. He then gave me an email to contact the General Manager : XXXXXXXXXXXX. He then thanked me and said " have a good day ''. 



At XXXX XXXX on XXXX/XXXX/XXXX, I spoke to XXXX at Meridian Financial Services about the situation and he forward me to XXXX XXXX, where I left a voice mail at XXXX XXXX requesting a statement summary. 



I was not confident that XXXX XXXX would call me back so I called again at XXXX XXXX and spoke with XXXX. He looked at my account and said about the same thing. I asked if he could give me a summary of my account so I can visually see what is going on with my account. He said he could not and is not allowed to give me a statement of account or a letter with the proposal for repayment. 

I researched the complaints on this site and there are XXXX complaints against Meridian Financial Services listed in the database.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed for Chapter XXXX Bankruptcy in 2009 and it was dismissed ( never granted ). As such, I do n't feel that it should appear on my credit report. I am badly in need of a new roof and can not qualify for a loan as long as this appears.
Consumer complaint received 2015-11-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (AR)

I received a bill in the mail for a medical debt. this debit was paid. I sent a letter to the collection agency to send me a itemized bill with all the breakdowns of this debt. I sent a letter back within 5 days of receiving the bill asking for all the medical proceeders that were done. I never heard from the collection agency. it has been 90 days from receiving. now on my credit account it shows up as a open collection. just on XXXX and not on XXXX. what I would like is to have your complaint department to look in to this and if you can have it removed from my credit account. thank you.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I have been disputing 2 charges that occured back in XXXX for years now with Amazon Synchrony Bank. Each time I open an dispute, they close it without resolving or acknowledging their complete lack of security allowing the charge to be made online without possession of the card. 

I requested multiple times to have the account closed to prevent further fraud ( I have not had the card since XXXX ). 

I noticed on the last statement they closed the account, and opened a new one, new number. They added a balance transfer fee of {$110.00}. 

I did not authorize opening a new account or a balance transfer. 

i called XXXX to learn why they did this and demand they remove it and stop opening accounts in my name. The rep XXXX said she could not remove the fee. I told her to transfer me to her manager. She would not give me the managers name, and then hung up.
Consumer complaint received 2016-01-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I am on XXXX and live on a fixed monthly income. I 've exhausted all of my other options, forbearance, deferments. Etc. I called XXXX XXXX or XXXX, XXXX and spoke to a gal named XXXX. She asked a bunch of questions about my finances and we worked to try and get a reasonable payment plan, incuding reduced interest rate, to no avail. She said some forms would be sent and I would get them in two to three weeks. This was a form for my doctor to sign. It was never sent. 
In the meantime, I have been slammed with phone calls from Navient, sometimes up to XXXX and XXXX times a day. Early on, I put a block on all the numbers they call from. XXXX time, I did answer. I had been asleep. My wife had also been asleep. She kept asking where the paperwork was. The guy said, very frankly, it would be a miracle if the loans were forgiven. We explained to him the situation, and that if I could pay, I would. He did mention that if I could pay an ex amount on the phone right then, they would n't send my account to collections. He also said, in a very rude and condescending way, my loans and payments are my responsibility and when I signed for them, I agreed to pay them back. My wife kept asking where the form was. He told us we could find the form online. My wife asked several more questions, but the guy got impatient and hung up on us. Great customer service. 
The form still had n't arrived, so I called again 2 1/2 months later, right after XXXX, just after the first of XXXX. The gal said the previous rep had filed the information wrong or sent it to the wrong department. The form was to take 2-3 weeks. That was the first of XXXX XXXX. Today is XXXX XXXX, XXXX, and still no form in the mail. 
I am tempted to call XXXX more time, to give them the benefit of the doubt, but, after my wife got to reading about all the consumer complaints about Navient and read them to me, I decided to take action. 
Why is it taking so long to get XXXX form out in the mail? Meanwhile, my good credit score is now shot, I am in default, and I have been denied a loan through the USDA to help get my parents house repaired so I can move out of my rented townhouse into their old house 3 hours away. My parents are not well and we can save a bundle on rent to be able to pay off my debts, including these loans.
Consumer complaint received 2016-01-12
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Lionstone Holdings Group (OH)

I received a message left on my cell number. The message was detailed stating that they needed to make sure I was around so I can sign for papers. My girlfriend received a message latter the same day XXXX/XXXX/2016 that was very detailed on her voice mail stating I needed to call a XXXX XXXX at XXXX that they received a claim against me under my name and SSN for file XXXX and she wanted to make sure I could sign for the papers for what is being filed against me. I was very upset and concerned and left worked and called the number provided. It went to a Lionstone Holdings Group who would not work out arrangements with me. They demanded I pay {$81.00} a week/ {$320.00} a month. 15 % of my weekly pay before I pay for my health insurance and other expenses. I told them I could not afford that arrangement and they said there was nothing else they could do. On XXXX/XXXX/2016 they called my employer. I told them I could not get calls at my work and provided my cell that they already have on file. I explained I am not permitted to answer my cell at work and the female states she would call later. She preceded to the call my cell within minutes of ending the call. I am willing to make reasonable arrangements on the matter however can not receive calls of these nature. They are upsetting, intimidating, and down right embarrassing. I kept the recorded messages if they are needed.