davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I have an executed agreement to purchase a home owned by The Bank of New York Mellon through their agent, XXXX XXXX XXXX XXXX. Prior to closing, a roof repair was done ; however, the party who did the repairs failed to obtain a building permit or professionally complete the repairs. During the walk through it was evident that the roof was still leaking. A licensed roofing contractor provided me with an inspection and estimate to replace the roof since a repair is not permitted. The city building department confirmed that a complete roof replacement is required and has issued a stop work order posted on the property. The roof must be replaced by a licensed roofing contractor, it is now a code enforcement issue. The seller initially argued regarding who did repairs ( not material ) and insisted I close as is or cancel the contract. I could not obtain insurance with the leaking roof. The seller would only refund my {$5000.00} escrow deposit and refused to pay my direct expenses over {$1100.00}. I have a FHA loan approved, and the lender 's loan package was sent to the closing agent in a timely manner so there was no issue with the loan on the closing date, XXXX XXXX, 2015. The seller came back after about a week and told my real estate broker, XXXX XXXX that the seller would replace the roof and to confirm if I still wanted to purchase the property which I responded affirmatively. Today, I received an email to call XXXX XXXX, after agreeing to replace the roof the seller now is refusing to do as they said they would do. I want to purchase the house and I want the roof to be replaced as they agreed to do. The seller keeps bringing up the sale was " as is '' which I agree is correct ; however, hiding a leaking roof with new paint followed by having an unpermitted repair that left holes in the roof is deceptive at best. The listing agent for XXXX XXXX XXXX XXXX is XXXX XXXX, XXXXXXXXXXXX phone ( XXXX ) XXXX XXXX. The seller is The Bank of New York Mellon care of XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX, MD XXXX, XXXX XXXX XXXX XXXX asset XXXX is XXXX XXXX, the closing agent is XXXX XXXX XXXX XXXX, account manager is XXXX XXXX ( XXXX ) XXXX, processor is XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX. My agent is XXXX XXXX XXXXXXXXXXXX, the managing broker of the XXXX XXXX XXXX Florida XXXX has taken over the transaction, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX : The seller hid a leaking roof with white paint, when they had repairs completed, their repairman failed to obtain permits, did not complete repairs in a workmanlike manner and it was still leaking.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Date of Transaction : XX/XX/XXXX Problem Date : XX/XX/XXXX Amount of Dispute : {$2200.00} I am not liable for this debt with XXXX XXXX XXXX and I don't have a contract with them and they never provided me an original contract like I asked. 

I have made several attempts to call XXXX XXXX XXXX XXXX and I have not received a response back.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I purchased a new vechle in XX/XX/2019, making on time and additional monthly payments. Confirmed with lender and states every end of the month correct balance and payments with the current amount due is reported. However experian has not been reporting that account information preventing my credit score increase due to debt decreasing. Every 4 months the account is being updated with past account information. My score should have and would have been increasing if the accurate account information was being reported correctly. If information is incorrect by law it should be removed if experian can not verify the information correctly. I contacted the lender and complained because I am a XXXX veteran and my rights are being violated while recovering from injuries and this issue is creating a hardship. I should not have to submit accurate documents for the account to be updated months later. When I disbute, experian is by law supposed to report accurate information and if not verify with the lender within the time frame allowed before it is removed by law. Not report inaccurate information causing me to disbute every month because the verified or non reported information is still inaccurate. It's been to many years of inaccuracies reporting and experian refusing to verify or remove the information. Since my complaint I have been getting updates However if my accounts have been inaccurate and obviously not verified because the current account information is still inaccurate, that states it is not being verified correctly by law. I shouldn't have to pay a 3rd party to correct information reporting on my credit file because I lack a letter or status of job title. I am not asking for anything but what the law states I have rights to and that is accurate reporting information in a timely matter as negative reporting is not missed for any month, which shows improper tactics preventing score increases.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

After waiting over 90 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed.
Consumer complaint received 2017-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

We purchased our home in XXXX XXXX with XXXX XXXX XXXX financing, which, of course, required PMI. Since then, the home has gone up considerably in market value, which, when combined with XXXX plus years of principle reduction, brings us well below the requisite XXXX threshold of XXXX % XXXX to drop the PMI. Per XXXX regs, a new appraisal was required. The servicer, XXXX, through its appraisal management XXXX, sent out the same XXXX who had done the original purchase appraisal. The ensuing appraisal report was chock full of errors, omissions and misstatements of material facts, some of which are a matter of public record, falsified his XXXX certifications, used non-comparable sales data while failing to note significant comparable sales data relative to our house. It is compelling and illustrative of the depth of this XXXX 's XXXX, lack of professionalism and failure to exercise ordinary care. Each appraisal done on our home by this same XXXX contains different and conflicting information. As a result, based on garbage in/garbage out XXXX, the ensuing report grossly understated the value of our home and XXXX denied dropping the PMI. We contacted XXXX to dispute the appraisal and wrote a letter of dispute, supported by additional documentation pointing out the erroneous information and omissions on the appraisal report, the fact that the XXXX has a vested interest ( he is also a XXXX XXXX XXXX XXXX ) in influencing values as well as additional timely comparable sales data ignored by the XXXX which support a market value significantly greater than the falsely arrived at value issued by the XXXX. We, again, requested dropping the PMI. XXXX chose to blatantly disregard the factual and supportive sales data we submitted and again declined our request to drop PMI. Factual errors, omissions and wrongful assumptions and data on the original appraisal report were NOT corrected. They also declined our very specific request to provide detail of who, precisely, was to have performed the so-called " review. '' IT IS PATENTLY WRONG THAT WE, AS CONSUMERS, SHOULD BE REQUIRED TO ACCEPT A DECISION BY THIS LENDER/SERVICER BASED ON A PROVEN ERRONEOUS REPORT. We then sent a certified letter to head of the operations group at XXXX demanding that fresh eyes, higher up the ladder, review this case and approve our request to drop the PMI. Copy of that letter is attached to this complaint. We have not received any response from XXXX since. 

Thank you. 

XXXX and XXXX XXXX
Consumer complaint received 2017-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX/XXXX/2017 we were at XXXX XXXX XXXX center, where I was having XXXX. That same day a series of fraudulent desposits into our bank accounts at Bank Of America began. This was followed by withdrawals which caused our accounts to be overdrawn. All of these transactions took place at several out of state locations, well outside of our normal area. We did not receive any notice from Bank of America, it was only when my wife tried to use her debit card at a local grocery store and was denied ( XXXX/XXXX/2017 ) that we became aware this situation. She immediately notified BOA putting a freeze on further activity. We were assured by BOA our money be refunded once an investigation was completed. We have since received a letter from BOA stating since a debit card and pin # where used during some of these transactions we are at fault and liable. We are attaching four files showing times, locations, and what little information BOA has giving to us. We are a retired couple living on a very moderate income and had to withdraw additional funds from an IRA to get us through to this point. We feel that we have been treated like the criminals and BOA has acted in there own best interest not ours. We have been a customer of BOA for forty years and never even bounced a check.
Consumer complaint received 2017-09-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (SC)

Dear AMERICAN CREDIT ACCEPTANCE, This is my final attempt to try to remedy this incorrect reporting and your company has failed to respond to my letter dated on XX/XX/XXXX in a timely manner. This is to confirm our conversation on XX/XX/XXXX as to the offer of the above-stated account. As discussed, I will pay your company the amount of {$500.00} as payment in full for the final satisfaction of this account. 

once again, I am writing to you in the hope that we may put this matter behind us and settle out the charge off for good, under a few conditions. This will save you both time and money trying to collect the judgment and will help me to recover from your negative entry in my credit history reports. 

I have been offered a loan from a close family member to pay you {$500.00} to settle the debt in-full and have the CHARGE OFF DELETED. 

Upon receipt of the above payment, your company has agreed to change the entry on my credit reports from CHARGE-OFF to DELETED. P.S : based on your decision I WILL GO ON XXXX  AND XXXX TO MAKE LIVE STATEMENT IN REGARDS ON HOW YOUR COMPANY TREATS ITS CUSTOMERS. 

If you agree with these terms, please acknowledge with your signature and return it to me. IF You agree on the terms herein are confidential and you have the authority to make such decisions. No payment will be made without written confirmation. 

Upon receipt of this signed acknowledgment, I will immediately mail you the funds via priority mail. This is not a renewed promise to pay but rather a restricted offer only. If no terms can be met, no new arrangements will be made and the offer will be void. This is my last attempt to try to remedy the incorrect reporting. if I do not hear from you I will be pursuing litigation in my local county clerk of courts. 

cc : Attorney General cc : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Regaurding my XXXX account XXXX XXXX XXXX XXXX for a XXXX account, it shows the account late last XXXX. I have had numerous calls with XXXX and they agree this is at their fault and have agreed to remove the late stature for XXXX. Please reflect this and the jointly agreed upon decison
Consumer complaint received 2015-11-25
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Herbert P. Sears Co., Inc. (CA)

HP sears is attempting to collect debt on behalf of XXXX for the services that I have never received in first place! My numerous attempts to contact them went ignored and now western dental AND HP Sears are calling and mailing harassment letters non stop. Where is the justice here!!!
Consumer complaint received 2021-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AXOS FINANCIAL, INC. (CA)

I have filled numerous complaints against Axos Bank and their lack of response to my numerous request for providing me with details of my loan and loan modification requests. They have repeatedly ignored my requests and the only times they responded to me has been when I have sent my communications to them through Consumer Financial Protection Bureau. 

Even with your help, I have yet to have a clear answer on the balance of my arrear loan balance and they have failed to provide me with any explanation of how they have arrived to the balance they are requesting. 

They have repeatedly threatened me and my family with foreclosure without even providing me with any explanation about my mortgage and any proper notice. 

I am not sure if they have added late fees and penalties to my loan which I believe is illegal since I was effected by Covid19 Crisis and think I am protected by Act of Congress from any added fees and/or penalties to be added to my account Since the last letter sent to me from Axos Bank dated XX/XX/XXXX, I have contacted Axos Bank over one hundred times ( without exaggeration ) and only were directed to a voice mail and no one returned my call answering my questions and concerns resulted by the threatening letters sent to me with foreclosure causing tremendous stress and fear for me and my family. 

Axos Bank only feel obligated to respond when it hears from CFPB and even then they completely ignore the questions and requests indicated in the letter and use cookie cutter answers unrelated to the communications sent to them. 

The last correspondence I received is identical letter to the correspondence I received last XX/XX/XXXX with different topics and different requests for information.
Consumer complaint received 2016-08-24
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I am purchasing my leased vehicle from Toyota ( XXXX Toyota in XXXX, PA ). There is a credit union offering 1.99 % ( if credit is good, and mine is XXXX+ ). Toyota wanted to do the loan, so they promised via email that they would match the 1.99 % rate, conditional upon my credit being XXXX+. I trusted their written promise, and set up an appointment to do the loan a week later ( 3 days after my official lease-end date, which they said was fine ). At my appointment, they ran my credit 4 times, through XXXX different lending institutions, over a period of more than an hour. They had realized that they could not in fact match the 1.99 % rate, and they were rate shopping at my expense for over an hour, trying to cover up their lie. They did not tell me what was happening at any point during this time period. The used car manager approached me eventually, and admitted what had happened. He even told me flat-out that what they had done ( quoting me the 1.99 % ) was not legal. Now, I am 4 days past my lease-end date, have XXXX hard credit inquiries counting against my credit score, and have to start all over with the credit union. I 'm having XXXX next week, and am now under a lot of pressure to resolve this quickly. Hopefully I will still qualify for the 1.99 % with the credit union despite the excessive inquiries made by the dealership. This is the very scenario I was working hard to avoid, and now for the next 2 years, every time I apply for credit, I will be at risk of not getting the best rates available and of my credit score dropping further.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent certified letter to transunion, also spoke to over 5 reps, and was instructed to contact each company pertaining to these fradulent/unauthorized inquires ... everytime i contacted the company who allegedly pull my report they inform me they have absolutely no accounts for me and can not provide a letter for bureau because its nothing pertaining to me they can write, informed transunion of what was told to me, was on call for 48 mins requested supervisor then all of sudden phone hangs up, call back again get diff rep, he had nerves to say no matter if FRAUDLENT or not they stay on report and said i could contact the BBB frustated asked for supervisor instantly, had me on hold 30 some mins then phone drops again! 3rd call asked for special handling spoke to supervisor XXXX or XXXX stated was removing inquiries, XXXX XXXX, XXXX XXXX and transunion report inquires still there despite being told deleted, i was a victim of XXXX breach and XXXX XXXX scam. These inquires should not be on my report! XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX this is extremely frustrating when i cant walk into a phyiscal office and resolve this matter asap. I even had fraud alerts and other credit bureaus already deleted when i sent letters of dispute and verifications
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX is an account that I acquired due to a student loan. It is currently reporting as an unknown item on my credit report. They are three different accounts. I have asked that they be combined, but they have stated that they are unable to combine them into one account. Therefore, for the last four months I have been making payments to all three accounts. {$100.00}, {$25.00} and {$25.00}. I was only able to afford {$200.00} extra in my budget. But the payments have come consistently and they have accepted them. Not only have I paid them for the last four months consistently, it has come at the same time every month. 

After the second payment, I received an alert that the account was reported as negative again. This alarmed me because I had made two payments consistently. I contacted XXXX and asked why they hadnt reported making payments or paid as agreed. They informed me that the credit bureaus needed to report it that way. But after the third month, it again reported it the same way -- -- a negative status. 

Not only have I reached out to XXXX regarding this, but I have also reached out to the three major credit bureaus. They only report the payment going lower and not the payment itself. 

This reporting has caused my credit report to continue to decline in numbers. I am requesting that this be resolved immediately. The payment should be as follows : XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- XXXX XXXX {$100.00} In addition, this is reported wrong. It should be categorized as a student loan, not other.
Consumer complaint received 2017-09-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

XXXX XXXX modified her mortgage which payments was XXXX} per month XXXX started Making payments of {XXXX} by ph as always, on the XXXX month her ph payment was refused due to not having a signed contract which was never presented to XXXX. XXXX never seen the said contract but asked for a reinstatement due to not getting the contract. XXXX was told she was denied do to not signing. XXXX explained to Ocwen that she never seen the contract, and asked how was it sent due to her mail being sent back to senders which we have proof of court doc 's that were sent to XXXX, and the courts emailed XXXX the proof of mail that was sent back with the right address which the XXXX is also witness to. XXXX has asked for a copy of the note holder Ocwen will not reply with the said information. Ocwen sent XXXX to a modification workshop in XXXX Ca where staff told XXXX not to sign or pay anything due to it would change the terms of the said contract. Ocwen has hot showed proof of any contract but took said amount of {XXXX} for XXXX  months but never sent a contract but took the money without a contract which shows XXXX new payment was and should still be {XXXX} by taking said funds they excepted the contract we were asked to show proof which is payments taking in a lower amount then it had been. so under the contract law we would like the {XXXX} back along with every fee applied from the day the new payment was excepted. Ocwen has been told times and ph numbers to call they still insist on calling the wrong numbers in each email they are told whom to call what time to call ect but still does n't apply to the direction giving to them XXXX has severe XXXX XXXX XXXX and XXXX XXXX which Ocwen has on file this has been so difficult with XXXX being sick. 
also Ocwen was asked to send a copy of the contract that was sent out for the {$XXXX do you know they sent a contract from XXXX its like they understand but they play like they do n't. also after the modification request do you know the modification offered was for {XXXX} dollars we do n't understand how its help when your not helping that just sent XXXX in to a downward spiral where we had to call the XXXX to afraid she my harm her self we have to watch her in this mind frame she just mite do something to hurt her self. I am c/o XXXX and my name is XXXX XXXX XXXX XXXX C/O XXXX XXXX
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

XXXX had a major data breach recently and there is hard inquiries on my credit report that are fraudulent, unauthorized and don't belong to me. The following hard inquiries are fraudulent and unauthorized: XXXX Information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX