davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WI)

I had a XXXX credit card stolen back in 2007. They are reporting inaccurate information to XXXX credit bureaus. XXXX and Experian. I have made numerous attempts with both XXXX which is now XXXX and the credit bureaus. XXXX is the only one reporting accurate information. I have asked XXXX to provide the documentation to support the information being reported and they refused. Telling me they had no legal obligation to do so. This file is way too old to even be on my credit file.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I accounts missing. XXXX XXXX XXXX XXXX stated they sent a request to transunion XX/XX/22 with a request to add all my accounts back with a good paying history.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (AZ)

We applied for a refi of our 30 yr fixed mortgage with wells fargo. The very first step was payi g {$30.00}, and wells pulling our credit report and score. Based on that report and score, wells put us in the loan process. 
Then wells took {$500.00} from our Wells checking account for a property appraisal. Appraisal went fine and title insurance went through also. Then wells account rep XXXX XXXX told our homeowners insurance XXXX XXXX to change payee from XXXX ( existing mortgage holder ) to wells. All items went through the full underwriting and were approved. After discussing that I am XXXX and on SS XXXX, my refi was suddenly closed with no explanation. When i called I got a form letter saying it was my credit score but mortgage brokers said wells does loans with scores lower than mine and i wouldve beenscreened out at initial application, and the credit score was step 1 and they approved it. I think i was turned down for being XXXX. XXXX XXXX still shows wells fargo as payee and say loan was approved. They say only wells can change it. If my credit score was no good why did they take {$500.00} for an appraisal and change my insurance policy payee and do title insurance? plesse help me.
Consumer complaint received 2016-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IA)

Wells Fargo is foreclosing on my home. They refuse to return calls, when I am trying to ask what my options are. They never sent me anything but acceleration letters. I 've reached out to their " executive group '' time and time again. Noone returns calls, no one sends out acknowledgement letters, or letters period. I am XXXX, I have my XXXX mother living with me, my son and his children. Please help!
Consumer complaint received 2015-05-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NC)

I went to https : //XXXX, entered my information, and requested my free annual credit report from Experian. 

I got this message : " We were unable to honor your request. If you entered your credit card information, we did not charge you. 

Sending us your information To receive your personal credit report by mail, please mail us this letter ( or the information in it ), along with " ... 

Then I went to the " Contact Us '' form on the annualcreditreport.com site and tried to report the problem, but the site refused to accept my form. The error was " Tell us more is invalid. Please try again. '' but it provided no information about why the information I had entered under " Tell us more '' was invalid or how to correct it. 

The appearance to me is that Experian is trying to avoid its legal obligation to provide a free annual credit report by making it so difficult that most people will just give up.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX XXXX Bankruptcy XXXX XXXX XXXX
Consumer complaint received 2016-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Performant Financial Corporation (WA)

My defaulted student loans can ONLY be handled by Performant because of the owner of the loan. I would like to reahab my payment plan. I have tried on several occasions to set up a payment plan - specifically the income driven plans since I am poor. 
They said that they would send me the paperwork and details. and after two whole months of waiting, I called them and finally they sent me something, a statement of my loans ... but what I asked for was the paperwork details of this contract which I was to begin payments on. SO, I called them again, and asked why. She said that I had to give her my credit card information and begin payments BEFORE signing a contract or agreeing to anything. I told her no way, and hung up. 
O began talking to XXXX XXXX XXXX, and they said that I was correct, that I should not give any money until I receive a written explanation and contract. 
I spoke with Performant again on XX/XX/XXXX. This time, it was with a different woman, and she said that they would transfer me to a different department after I gave my credit card information to her and made my first payment. I told her no way -- that it was shady business, and that she would n't handle he personal finances that way and neither would I. 
I am filing a complaint today because I have no other recourse. The people who own my loanssay I have to use their collection agency and yet, I can not be convinced without paper contract.
Consumer complaint received 2016-05-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (ID)

XXXX continues to call daily. In XXXX of this year I was offered a settlement by said company to pay off a closed XXXX account. I took it and paid {$170.00}. This month they began calling stating that XXXX refused the settlement and I still owed the remaining balance. I stated to them that they need to refund what I paid and I will be happy to continue with the payment plan I was current on. Because by accepting payment and sending me a paid in full receipt debt was paid. Calls continue.
Consumer complaint received 2016-08-26
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (MI)

I wrote a check to a university for {$370.00}. It was stolen and the perpetrator added a " XXXX '' in front of my " {$370.00} '' cashing the check for {$1300.00}. This happened XXXX XXXX. My bank credited my account for {$1000.00} almost immediately. I had to fight to get my {$370.00} back. Although obvious fraud, my bank filed this as an " encoding '' error. Therefor, the my bank debited the {$1000.00} they had credited me on XXXX. Took money back XXXX. No advance warning, nothing. Obviously, the bank moved money from my savings to cover funds shortage for bills, etc. Going into month 4. Fraud, not my fault, but my bank has n't given me my $ $ $ $ back!
Consumer complaint received 2022-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (PA)

They are debt collecting against my XXXX year old XXXX, XXXX XXXX ( birthday XX/XX/XXXX ) for {$150.00} dollar hospital fee. I called to advise they can not debt collect against a child and they will not remove the debt even though they violated the law. On XX/XX/XXXX they confirmed the debt is in my childs name on a recorded line and apologized for their error but can not remove the debt.
Consumer complaint received 2022-03-22
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NY)

In XXXX, I fell behind on payments with this company due to my income being negatively impacted by XXXX. After losing my job, it was impossible to find a job to make payments due to being on lockdown. My XXXX also fell gravely ill with XXXX and my family almost lost her. Despite this, I scrounged up some money to begin making payments towards Discover, even going so far as to use a XXXX relief grant from my school to pay off the remainder of the balance. In XXXX of XXXX, after my XXXX had made a full recovery, I was able to focus on other things and reached out to Discover explaining my situation and inquired if they could remove the late payments from my credit report. I received an automated response denying my request and no investigation whatsoever.
Consumer complaint received 2015-07-29
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (MO)

I have been getting the run around on a legal description that is incorrectly filed. The loan number is XXXX and the company is PHH Mortgage. PHH originally told me that since the loan was sold to XXXX that XXXX had to make the correction. Upon further investigation and a complaint filed with the CFPB it was discovered that the correction needs to be made by the original company which is PHH. I contacted PHH and was given an apology and told that since the mistake happened before the loan was sold to XXXX that they would correct it. I submitted a request to PHH on XXXX/XXXX/2015 to the email address provided to me but when I followed up 30 days later I was again told that XXXX is who needs to correct the legal description. I asked for a letter of explanation but was told that it probably would not be provided. The representative I spoke to was very helpful but whomever she had to speak with would not correspond with me.
Consumer complaint received 2016-05-03
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Williston Financial Group (AZ)

I sold my home/condo and I signed documents outlining how much would be deposited into my bank account the next day. I provided information for the bank wire to XXXX XXXX. 
I informed my finance rep the amount and when the amount was received it was different. 
I asked my realtor what the difference was and they had no idea. My realtor called the title company. They told my realtor a calculation was wrong. I asked for a copy of the new calculations as this document would not have my signature on it. I requested a phone call for explanation as to how they could just change the dollar amount that I signed and agreed would be deposited into my account, and why was my finance rep telling me of this difference and not the title company. The rep from the title company apologized and said they were really busy. She said the document I signed was an estimate and I said there is no reference to the word estimate on what I signed nor was that explained to me at my signing. She said she would follow up with me after she reviewed the docs and she still has not been back in touch. I will attach the documents. I feel they owe me the {$1000.00} difference, this was their mistake not mine and they have been unprofessional in handling the error. I feel they were sneaky changing the docs and not disclosing anything to me. I expect WFG National Title Insurance Company of XXXX XXXX, OR to make this right.
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC (PA)

This company is trying to collect a debt for {$1400.00} clearly the lease amount as shown in the screen shots was for XXXX and XXXX dollars which does not add up to the amount there were payments that add up to the amount of the lease agreements they have been reporting a fraudulent amount owed. Im asking for this company to delete all accounts thats being reported on experience and XXXX forever honor the paid amounts shown
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SYNCHRONY FINANCIAL (NJ)

I have several accounts on my credit in which I have asked the creditors to " validate '' their information. Validate if I was ever late, details when, validate if a debt was mine- I just keep on getting same response : nothing. my rights under FCRA have been seriously violated. law says if a creditor can not validate/prove in 30 days of my dispute, they must remove. I am writing to you about XXXX, XXXX, XXXX, XXXX, synchrony amazon, synchrony care and XXXX. I will give account numbers upon request.
Consumer complaint received 2015-07-06
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Secure Lending Incorporated (MI)

At the end of XXXX 2015, I was contacted by Secure Lending Inc at XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX to Refinance my home Mortgage. Within XXXX days a notary was at my home having my wife and I to sign papers and give documents. The process was to conclude by mid XXXX. However continue to get requests for similar documents and the mortgage did not closed in XXXX. Reason given the Finiance company was slow with process. We were told not to pay XXXX 's mortgage, so when it did not close, we had to pay a {$63.00} late payment. We continue into XXXX 2015 and received repeated request for docucments, which we supplied. We got to the end of XXXX and gave them all requested information. Mortgage still did not closed. Reason given Secure Lending did not review documents and Mortgage was rejected. We had to pay another {$63.00} and it resulted in our mortage being paid after XXXX days, causing issues with our lender and damage to our credit.
Consumer complaint received 2015-10-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (IL)

I have a credit card through XXXX XXXX and XXXX XXXX. They are constantly reporting everything on my report twice which affects my credit score in a negative way. I have ask them to stop doing so and they refuse. And the XXXX agencies will not removed double reports even though it is the same exact report.
Consumer complaint received 2015-04-04
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

COLLECTOR KEEPS CALLING MY NUMBER XXXX OVER AND OVER AGAIN, WILL NOT VALIDATE OR CEASE AND DESIST. COLLECTING FROM XXXX XXXX XXXX, XXXX, AND HE DOES N'T LIVE HERE!
Consumer complaint received 2015-08-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WILKINSON LAW FIRM, P.C. (MI)

This collection agency calls my work phone XXXX times/day asking for someone named XXXX . I do not know anyone named XXXX. I have contacted them several times asking them to remove my number from their list. 

The last time I called asking them to remove my number was XXXX/XXXX/15. They called me again at XXXX XXXX. on XXXX/XXXX/15. I asked them to remove my number again. They then called back at XXXX XXXX. I asked them to remove my number again and I was rudely told, " your number is not in our system. There is no number to remove. '' So I asked how they were able to call me if my number was not in their system. The woman stated that she did n't know. I told her the problem I was having and that I did not want to receive any more phone calls from her institution. She then repeated that, " There is no number to remove. '' and hung up on me. 

At this point I am frustrated that this company will not stop calling my work phone even though I have asked, and that they treated me as if I were the one making an error, or as if I were delinquent on a debt, or as if I had somehow otherwise offended society. So I called the number back hoping to speak to a manager. When I called back, I had the most unbelievable phone conversation of my life. I was treated as if I did not deserve to exist on this planet. 

The man that answered the phone stated that his name was XXXX XXXX and how can he help me. I asked for a manager. From there the conversation immediately escalated. XXXX stated that I could talk to him. I asked if he was a manager. He stated that I could talk to him. He would not answer whether he was a manger. I then tried to explain what my complaint was, and he cut me off asking where I was calling from because my number does not match their system ( at this point I was on an outbound call from my employer, so the main number would show to them as opposed to my direct line which is the line that they continuously call ). I was n't even able to explain what my complaint was, or the difference in phone numbers or anything else because he was yelling at me and would n't let me speak. So I stated that I would like to know the name of their organization, at which point he hung up on me. 

I do n't have any delinquent debts. I do not deserve to be treated like this. They are in error - they call the wrong person. I have asked to be removed from their list and they continue to call. Even if I were the right person and did owe a debt, no one deserves that sort of harassment or mistreatment.
Consumer complaint received 2016-06-06
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (FL)

I have recited 10 calls in the last 30 minutes from the coperate office of kay jeweler. I have told them I am disputing the charges. They have also contacted a family member of mine and disclosed mt personal information. And they called my XXXX year old son who I did not put down his contact information
Consumer complaint received 2016-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

We submitted a complete loan modification on behalf of our client to Specialized Loan Servicing ( SLS ) on XX/XX/2016 with a scheduled sale date of XX/XX/2016. However, on XX/XX/2016 the bank sent us a letter advising they were unable to review the package due to the upcoming sale. My client wants to save her home and in good faith has provided the complete package with ample notice to at least be reviewed and considered for a work out. It is not my client 's intention to delay the foreclosure but merely to find a solution to save her home. While I understand there is a 37 day rule if the bank truly wanted to help the borrower they had ample time to at least review what was submitted and determine if she qualified for any workout solution or offer any alternatives, yet they did n't nor have they provided a formal denial letter. We would like to have the sale postponed in order to give the lender time to review the financial package that was submitted.
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (MI)

I submitted XXXX my identity theft packet to Experian. Upon the XXXX submission, I was told by a representative of Experian that they did not believe the identity theft packet came from me and that I would need to resubmit it. The next day, I resubmitted the identity theft packet via overnight, certified mail and it was signed for by Experian. Upon calling in the next day, I was told by a representative that it was received and not yet processed. I called back in to Experian a week later to check the status to be told that the identity theft packet was never received and that I had been ill informed by the previous representative. I was encouraged to resubmit it again. Today, I did resubmit the identity theft packet online on their upload website. I made the request to have fraudulent accounts detailed in my police report blocked pursuant to the Fair Credit Reporting Act, Section 605B immediately. A month has passed since both prior submissions and Experian refuses to acknowledge or process my identity theft report and block fraudulent information negatively reporting on my credit report.
Consumer complaint received 2016-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (NJ)

WE fell on hard times with our business, we asked flagstar to give us a lower payment, or sometime to recover, instead they kept us in a crazy loss mitigation for more than 1 year, and instead of lowering the payment, they made it almost {$1000.00}. more because they added all of the back payments, interest and late fees. 
We love our home, we are trying to get back on our feet, but now we 're 4 payments behind again, and we 're now trying to sell the home because we ca n't take the XXXX anymore, but the mortgage is now so high that I ca n't sell it for what I Owe. 
Flagstar did not help us they, are preying on us and the fear of foreclosure.
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (PA)

I was offered a great deal on a US Airways Mastercard on the airplane ... I took the deal and found out that it was not close to what they promised. The purser/attendants on the plane are overselling and lying about the terms of the deal. I was told 1 ) NO FEE EVER, 2 ) XXXX miles credited to my account when I spend XXXX XXXX on the card, 3 ) companions tickets XXXX per year, 4 ) access to lounges, and 5 ) early boarding. I got my Barclaycard from USAIR and charged XXXX $ on the card .... no miles were credited to my account. I looked at the account on-line and there was an {$89.00} annual fee! I called them the next day and they told me that they would not do give any of the benefits until the XXXX annual fee is paid ... .. Misrepresentation at the point of sale .... They would not forgive the annual fee but did offer to drop me to a lower card which had no fee but also did not give me the XXXX miles or other benefits. But I had to pay the fee to get the miles. The offer sounded great but they were lying through their teeth just to get a credit card application filled out. What they offer is absolutely not what the customers are getting. It is fraud if you ask me. I cancelled my card today after wasting a lot of time waiting for this deal to be real. It was n't.
Consumer complaint received 2016-09-06
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: AAA Auto Title Loans, LLC (AZ)

On Saturday, XX/XX/2016 Cash1 called me and did not leave a message at XXXX from phone # XXXX. They did not leave a message. They called me again on XX/XX/2016 at XXXX from XXXX and I told them I had left my brother 's funeral and that it was not the right time to talk. They then called me again on XX/XX/2016 at XXXX from XXXX. I am not sure why they keep calling asking for a payment, especially when the cash1 collections dept, took two payments on XX/XX/2016. I have asked them to stop calling all day and they insist on calling me mutiple times a day, from the XXXX phone numbers mentioned aboved.