davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PRICE FINANCIAL SERVICES (PA)

I had submitted an application for a residential mortgage in the beginning of XXXX. I promptly replied to all requests for information. The loan was scheduled to close in XXXX and never did. I continued to receive requests for information that I again promptly replied to. This continued until XXXX when the loan was schedule to close. Ten days prior to closing the amount I intended to borrow was reduced. We were so far along in the process I agreed to the reduced amount. I asked several times for a closing sheet and did not receive it until the day of closing just a few hours before we were scheduled to close. The loan was supposed to not have any origination fees. Upon reviewing the closing document they had included a substantial origination fee. I have owned my home for over 20 years and refinanced several times. I have never encountered anything like this. I feel I was taken advantage of and I was not able to close. I am going thru a divorce and I was looking to refinance in an effort to buy my wife 's share of our marital residence. This has created a tremendous amount of stress around and already extremely stressful situation. As a result of the delay the rates have gone up which will result in a substantially higher monthly payment. Any help would be greatly appreciated. 
Thank you in advance for your assistance. XXXX XXXX
Consumer complaint received 2016-12-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Brock & Scott, PLLC (GA)

On XX/XX/XXXX I got an initial communication letter from a foreclosure attorney by the name of Brock and Scott stating that i owned XXXX and had XXXX days to dispute debt About XXXX XXXX days letter I received a Notice of Acceleration Letter stating that Brock and Scott was advertising my property for a non judicial foreclosure sale on XX/XX/XXXX less then 30 days and less then XXXX consecutive weeks from the foreclosure date NOT TO MENTION, I DID NOT GET THE OPPORTUNITY TO ASK FOR VALIDATION PRIOR TO THE ADVANCEMENT OF COLLECTIONS. They have violated the non-judicial Georgia Foreclosure laws and Federal Laws and I dispute the debt I also attached an email from a Bank of New York XXXX representative stating that her form XXXX does not own the loan or the property. So how is Brock and Scott advertising that the XXXX owns the loan?
Consumer complaint received 2016-06-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: First National Collection Bureau, Inc. (CA)

Dear sirs, My wife and I are being constantly harassed by this collection agency named First National Collection Bureau , Inc., located in XXXX, Nevada. The collection is for old credit cards which was discharged in bankruptcy some 20 years ago. And in which the statue of limitations has also run out. We have continuously sent them letters telling them to Cease and Desist all collection activities from us. And they just continue to do so. So I 'm contacting you to see if you can resolve this very annoying matter for us.They have been doing this to us for the last three years now. Thank you very much.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Total Card, Inc. (GA)

I pulled my XXXX credit report and it disclosed 6 accounts in derogatory status. I recently discharged from a chapter XXXX bankruptcy on XXXX XXXX 2017. I contacted the debtors whom advised me to make a complaint with CFPB.
Consumer complaint received 2017-01-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IN)

We are filing a complaint against Rushmore Loan Management, they have taken over my loan as of XX/XX/XXXX, at the time my employment situation was dire and I was unable to apply for modification assistance. In XX/XX/XXXX I was fortunate enough to gain full-time employment with my current employer XXXX. My mom has been residing with me for quite sometime and she is going to combine her income with mine, so that we can qualify for a modification and or repayment plan so that we can retain possession of our home. We submitted a complete and full RMA package, and all up to date supporting financial documents. They have refused to review my application for assistance stating that i 'm not eligible to be reviewed for assistance. To me this is considered an attempt at stripping all positive equity from my home. It is a fact, that my loan was actually purchased by Rushmore Loan Management investment team for pennies in the dollar and they have essentially placed my home in there cross fire for foreclosure and flipping my home for a profit. Rushmore Loan Management, is bound to the terms of the National Mortgage Settlement ( NMS ). They are required to review my request for assistance if a compete package is received prior to a sale date. 
Furthermore, no agents of Rushmore Loan Management made any attempts at allowing me the opportunity to save my home prior to initiating a sale date on XX/XX/XXXX. 
We are imploring your office to intervene in these abusive collection tactics.
Consumer complaint received 2016-08-09
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

I call my current auto loan company, USAA, and inquired about an auto loan since my current rate, 4.85 % was rather high. I spoke to representative and she indicated that I was pre approved for 1.4 % rate. My application number with USAA XXXX. I applied with the understanding my rate would be 1.4 % without any other rate or condition as conveyed by the representative. She did not outline any conditions or requirements for this application. Her name was XXXX. The representative then told me my rate would be 4.85 % not 1.4 %. She did not know why the rate changed. After she checked she indicated that the rate changed because I am using a used car not a new car for collateral. 
I asked to speak to a supervisor and after being disconnected and waiting for 50 minutes, I spoke to XXXX on the ERT team. 
XXXX explained to me a litany of information that was not conveyed by the sales representative including the rate was variable and is different for new and used cars. I requested that my application be terminated and the credit inquiry removed my credit history. XXXX indicated that she did not believe this could happen. How can a company fail to disclosed all of the required application information and not have the processes to correct the issue. 
If a loan company has the ability to check my credit they should also be required to remove the check if the company fails to perform all of the legally required disclosures.
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MD)

XX/XX/XXXX - During my settlement on my current home address, my HUD-1 statement reflected prorated amount escrowed to Wells Fargo for my personal XXXX property insurance. 

XX/XX/XXXX - Received a notice from my XXXX insurance company ( XXXX ) that Wells Fargo did not pay my renewal for effective coverage to begin XXXX/XXXX/XXXX. 

XX/XX/XXXX - Executed several calls and spoke to various departments, staff, executive level at Wells Fargo to resolve with little coordination or progress. 

XX/XX/XXXX - To date, Wells Fargo has assigned a case worker who continually requests extensions to review my case for resolution since XX/XX/XXXX. In the interim, I have no coverage on my personal belongings, etc. from XXXX. In addition, I 've not been reimbursed for the duplicate payment made during my XX/XX/XXXX settlement for " utility assessment '' fee ( see attached email )
Consumer complaint received 2017-01-22
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

I went into the branch to order checks for recently new account because my account had been compromised. Someone had taken XXXX illegally from my account. The banker actually opened addition savings account which I was not aware of, he never asked me at all. I received a another bank card in the mail. I already had a savings account Ways To Save, no monthly charge. Now I am being charged {$5.00} monthly fee which is eating up my balance for no reason. I contacted the customer service department and they apologized about it said they would close it but I 'm currently being charged. 
When I first opened my Wells Fargo account 12yrs ago, I received XXXX new accounts. The banker opened a second account in my name. I took the information to the bank they closed the account and gave me free checks. Wells Fargo scammed me during the time I had already been scammed. I want my money back from charges from accounts the illegally opened in my name.
Consumer complaint received 2016-08-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (GA)

In XXXX 2016, I filed for a modification. My single point of contact was XXXX XXXX. Once all of my documents were received and processed, I was told that my modification worked on a 3 month trial run and that I had to make those 3 months on time and then it would go permanent. I was also told that my 1st payment was n't due until XXXX XXXX. That left me open for XX/XX/XXXX & XX/XX/XXXX. I asked XXXX XXXX several times on more than one occasion and another rep that I called in and spoke with about those XXXX in between payments. My question to them was did I have to make those payments and with me missing those payments would that be reported to the credit union as late since I 'm doing a modification. I was told by XXXX XXXX and another rep, that what happens is once your modification goes permanent, they would go back and update the months from XX/XX/XXXX to reflect current. I am now trying to get a loan to update some things around my house and the credit bureaus are showing me as 6 months late. I have not been late, as a matter of fact, my mortgage is paid before the XXXX of the month. I 've since then ( in the last 2 weeks ) have been calling Roundpoint and getting the run around and also being told there 's nothing they can do because I was misinformed. How dare they! So now, I 'm being penalized because you have people misrepresenting your company. I told them several times, if they documented my account they can go back and listen to all of the recordings to see what I was told. My sister cosigned for me on my loan there 's no way I would mess up her credit along with mine. Now they do n't want to correct what they 've messed up. I can show bank statements where my note has been paid on time and if they can produce the calls you will clearly hear them tell me that they will go back to update that information. This is bad business and they act as if it 's not an issue for them.
Consumer complaint received 2016-08-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MD)

My checking account with PNC Bank had a low balance which decreased monthly due to the {$12.00} fee that was assessed each month. I went online to check the status and to make an online deposit/transfer on Monday XXXX/XXXX/2016. I did not see the account when I logged in. 
I called the XXXX # ( XXXX ). A representative by the name of XXXX XXXX ( interesting name ) advised me at XXXX EST on Monday XXXX/XXXX/2016 that the account had been closed and charged off. I asked if I should have received some communication before such a drastic step was taken. I was told that I would have received a letter or would be receiving a letter. I advised that I did not receive a letter and would not need one after the account was closed. I asked when does my account say a letter was sent. He replied that he does not show one was sent. He then offered to transfer me to a specialist to discuss my situation and I was transferred to a recorded message that said " your call can not be completed at this time, please try your call later ''.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MA)

Equifax has refused to update XXXX accounts as included in bankruptcy. I have tried several disputes and have gotten the same results. They are not properly investigating these accounts per the FCRA. I sent in documents to support the proper status reporting of these accounts and they have refused to delete the erroneous information furnished by the credior or update accounts as included in bankruptcy.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MS)

I have disputed several accounts on my credit report with Experian several times. I first disputed with the original creditor XXXX, and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. The bureaus only continue to update the accounts associated with these creditors.
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (ND)

I contacted Wells Fargo Home Mortgage to refinance my current mortgage. I informed them that I was behind and I filed bankruptcy about 6 years ago. They said no problem they could do it. My credit score was XXXX which they said was good. I applied and then they said that I had to pay {$11.00} for the credit report and {$530.00} for the appraisal in order to continue on with the application process. So I paid them the {$540.00}. I never received the appraisal on my home. They never contacted the appraisal company to schedule a date or time. They denied my application based on behind on mortgage and bankruptcy. I would like my {$530.00} back for the appraisal the I never received. I have called several times and left messages and no one has returned my calls. What does Wells Fargo do with all the money they get from people that do n't qualify for refinance?
Consumer complaint received 2016-12-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Bought a vehicle and financed through Navy Federal Credit Union. Once I paid off the loan and attempted to remove the lien from my title, I found out that the lien was given to a third party by Navy fed. I have tried to contact the 3rd party but no reply. The XXXX will not remove the lien from my title until he releases it despite Navy Fed acknowledging their wrongdoing.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge off : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo charged my a penalty fee for a failed payment transaction FROM THE SAME BANK! XXXX {$50.00} fees were applied after I tried to set up their automatic payment system that had no indication of whether the " automatic '' part would start this month or the next month. Since it started the first month, when I went to pay the mortgage the payment had already been started by their automated system, and the transfer failed from lack of funds. It was their own poorly designed software that caused me to not know when my payment would go through and caused the payment to fail from lack of funds. I have never missed a mortgage payment in my life but I still have {$100.00} in fees.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Hey Experian, I regularly check my credit report because my XXXX XXXX is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my XXXX XXXX unfairly.
Consumer complaint received 2017-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: College Foundation, Inc. (WA)

I have had several loans serviced by College Foundation that have been purchased by XXXX XXXX and XXXX. I accrued late charges and interest and was put in deferment even while I was in school. They listed negative marks on my credit report while I was in school and now, will not remove the negative items from my report. It has been over 5 years that I have attempted to have these items removed.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
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. (NY)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-08-29
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.