davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: 360 MORTGAGE GROUP LLC (GA)

We fell a little behind last year from a financial hardship, we applied for a loan modification with 360 Mortgage ( servicer of our VA loan ), as we were in the process we were impacted by Hurricane Irma and placed into a forbearance to offer relief. 

After the forbearance ( most other mortgage servicers assisted with disaster modifications by placing the payments in the loan ) but 360 Mortgage did not but forced us to apply as a normal loan modification application. 

My initial application was sent in on XX/XX/XXXX ( it takes 360 mortgage 7 to 10 days to receive and review a document and let you know if it is all they need or to send something else in ) other servicers like XXXX XXXX do this within 24 hours. So then I followed up and on XX/XX/XXXX the requested more documents and I sent in 30 additional pages. Then I followed up and on XX/XX/XXXX I sent in 14 more pages and though surely this be a complete package so my application can go to underwriting and they can place the foreclosure on hold to not violate the dua tracking restriction. 

I kept following up and on XX/XX/XXXX they need more so I send in 45 additional pages thinking this has to be it since what they claimed was above what was asked for before. 

I follow up and on XX/XX/XXXX they need more which they did not ask for before so I send in 45 more pages 360 Mortgage is making the application process so strenuous with the intent of denying me the opportunity of having a complete package so per the CFPB guidelines my sale can be placed on hold while the review is conducted. 

I also received a debt validation letter from the foreclosure attorney on XX/XX/XXXX despite the fact there was already a foreclosure sale date set. I filed a dispute but to no avail as the attorney says their client ( 360 mortgage ) will not agree to stop the sale even though they are in the wrong. 
My VA representative and loan technicians supervisor stated they requested a post ponement from 360 mortgage but they refused to do it. 

This is a violation of many regulations and also violating the Fair Housing Act by refusing to accept and discriminating against my VA military XXXX as valid income even though I provided a valid VA XXXX award letter and 2 months bank statements showing the deposit into the bank. 

360 mortgage is doing nothing more than a bank does when they don't want to approve a mortgage, they just keep making up more and more requirements so it is impossible to get approved. 

My wife and I are XXXX US military veterans whose only income is from XXXX and have served this country. We would appreciate help by having this sale post poned so we can be reviewed for loss mitigation options.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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.

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.
Consumer complaint received 2018-03-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Plus Inc (GA)

I have two hard inquiries on my account less than 30 days apart from the same company and this is affecting my score. This is shown multiple times but it was a one-time authorization check.
Consumer complaint received 2018-03-22
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: EQUIFAX, INC. (NC)

I have been the victim of fraud, I don't have a clue where these inquiries came from and I did not give authorization for any of these companies to check my credit report. PLEASE provide proof of original date, s times and years, I gave autorization 's for these INQUIRES. Please seed me original contracts from parent companies that I allegedly signed, NOT billing statements. ORIGINAL contracts.

XXXX XXXX XXXX XXXX XXXX   ... .XX/XX/XXXX XXXX XXXX XXXX ... ..XX/XX/XXXX XXXX ... ... ... ... ... ... ..XX/XX/XXXX XXXX XXXX XXXX ... ..XX/XX/XXXX XXXX ... ... ... ... ... ... ... ... ... .XX/XX/XXXX
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I recently received my free annual credit reports. On XXXX and Experian, my name is incorrectly reported. It is misspelled. I tried to open a dispute on-line but this didn't work and I had to call the credit company. The credit company, Experian, told me I had to have the bank fix the error. I recently tried to refinance my mortgage with XXXX  XXXX XXXX and had a terrible experience. XXXX   refunded my fees, but now I have to ask them to correct my name on my credit report? This seems very unfair as the relationship with XXXX is poor due to the refinance experience. Please help me to remove the misspelled names from my credit reports. My name is XXXX XXXX XXXX, not XXXX.
Consumer complaint received 2017-08-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

In XXXX 2017 I refinanced my home thru New Penn Financial, my contact XXXX XXXX told me that because my income verification did NOT match what I had submitted that I would be required to pay off my two credit cards. The first was with XXXX XXXX XXXX for about {$2400.00}. The second was an XXXX credit card with XXXX in the amount of {$560.00}. New Penn said that I would have to borrow more money to pay these off and that they would provide me with 2 checks to do so. The first check for XXXX was for the exact amount and went thru no problem, the second check was made out to XXXX for over the amount and when I went to pay the clerk informed me that they were not able to complete the transaction because the check was for more than was owed and my name was not on the check. I emailed XXXX XXXX at XXXXXXXXXXXX and text her at XXXX. I gave her the exact amount due and she told me that she would get back to me. I never heard back and have begun to receive bills from XXXX for the credit card. With late fees and interest charges the total due is now {$780.00}. I have tried to call XXXX XXXX and her immediate supervisor and left voice messages with both of them and emailed XXXX at her email address and have received no replies. As this affects my credit score it needs to be resolved ASAP. Thank you
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX When all bills are paid on time my score never increase XXXX points and when late they decrease XXXX points why? XXXX XXXX card XX/XX/XXXX phone XXXX I did not request a credit card in m name and a police report is on file. XXXX XXXX phone XXXX XXXX XXXX XXXX A credit card was issued in my name to a difference address and charges was made A police report is on file because I did not request this card.XX/XX/XXXX. XXXX 's was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX  XXXX was paid XX/XX/XXXX XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX was paid XX/XX/XXXX All educational student loans are paid
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I own a property at XXXX XXXX XXXX XXXX XXXX fl XXXX. In XXXX, I received a letter saying that XXXX, XXXX was taking over that mortgage and my other mortgage at XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. 
The letter stated that nothing about the mortgages at all would change. 
I had the house at XXXX built and was built on an elevated lot in XXXX. From XXXX until my mortgage was transferred in XX/XX/XXXX, no flood requirements were needed as the house is elevated. XXXX assumes the mortgage and says that FEMA remapped in XXXX and now requires flood. I contacted FEMA and they said that wasnt true ... .it was not remapped in XXXX. I told XXXX this and they said FEMA was wrong and that I had approximately 25 days to get flood insurance or they would place a {$2600.00}. flood policy in escrow against my mortgage. I re-contacted FEMA and they advised me to submit a removal request. FEMA said this process usually takes 60-90 days after I get them info from the flood plain manager in XXXX. I called/emailed/contacted XXXX, asking them for an extension and never heard back. I tried more than 20 times to reach XXXX concerning this matter. NO reply from XXXX. 
Since I didnt hear back from XXXX, and felt that the {$2600.00}. was an extreme amount, I purchased my own flood policy for {$360.00}. I emailed them asking if they received it in time and they said yes. Both myself and my insurance agent sent this to XXXX. XXXX still placed an additional 2nd flood policy against my mortgage. They are now trying to do this with my residence at XXXX XXXX XXXX XXXX. When I emailed them to figure out why they are doing this, they replied that they would get me an answer in about 30 days! 
I have had and flood policy for years at that address. SPS are requiring 2 policies per property. They want {$2400.00}. for that policy ... I paid a little over {$310.00}.! 
I can not reach anyone to provide me answers. 
Can someone please assist me with this? I have close to 60 hours involved in this and zero answers. 
Thank you.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX with the amount of {$2100.00}. I started paying on this debt XX/XX/XXXX. Current balance is {$1200.00}. I have disputed the balance on my credit report. They launched an investigation in which the debt collector stated it was correct balance and still owed {$2100.00}. I then reached out to debt collector in XX/XX/XXXX and XX/XX/XXXX asking to send me a copy of the balance and to update the credit report. I called numerous occasions in XX/XX/XXXX and have not heard from them. I then reached out to all three credit bureau also sending in my proof which shows current balance. Attached is the balance I have after payment was made XX/XX/XXXX.
Consumer complaint received 2018-03-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (KY)

I sent Experian a letter disputing several accounts on XX/XX/XXXX and XX/XX/XXXX, just to receive a letter stating my disputes seems suspicious and aren't coming from me. Well who are they coming from?! These inaccurate accounts reporting on my credit report is causing it difficult to get any loans. I have tried to contact Experian buy mail and phone several times with no help! I'm a XXXX XXXX, who work long hours and different shifts, that doesn't have time to sit on the phone for long periods of time with Experian!
Consumer complaint received 2018-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Siggi LLC (GA)

The first date of delinquency with omni financial is XX/XX/XXXX and not XX/XX/XXXX. I spoke with omni financial supervisor XXXX XXXX about the inaccurate reporting on my credit report. He agreed that the date of first delinquency is wrong in that it was nothing he do about it. I have supporting evidence and payment history in according to the Fair Credit Reporting act correct reporting is the law.
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc. (PA)

I have a XXXX credit card years.never missed payment. I had a XXXX and XXXX   XXXX on XX/XX/2017. I have insurance on the credit card I pay monthly for years. I contacted them by email and telephone. I was told they don't handle that and had no idea how to make those adjustment. I was refused a supervisor and no one did anything. I got mad at the store and they said to call my account was closed and charged off.on my credit. I have insurance.
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I been contacted 6 to 9 x 's a day. Now they are calling them self XXXX XXXX phone number is XXXX  and so on with different numbers. It is XXXX XXXX XXXX calling told them not to call this number. So they call under a different name. On this debt the cable cable company sold out. And called the new company and ask if i owed anything and they said yes so i ask them to send me a bill. And was told they didn't what my money. So this bill is paid and full. But this company persist in harassing me. After being told not to call my number.
Consumer complaint received 2018-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LendUp Loans LLC (MO)

The lender, XXXX, aka Flurish, has sent numerous emails, and made phone calls, implying that I have directly or indirectly committed fraud. I have repaid numerous loans to this company, about XXXX, with my own funds via either debit cards or bank accounts. I reiterate these have always been my funds. The company continues to send me emails without explanation regarding issues they have. Additionally, the company will not let me talk with their fraud unit.
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I received an offer from HSBC with a credit limit of {$2500.00}. I used the card and in the beginning of XX/XX/2017 fell behind a few payments. I was having a hard time making the payments but did make try to make payments but they were not on time. I missed a few payments. They kept calling me and taking money from me but closed my account without my knowledge. I didn't find out till months later. They said that they mailed me a letter. How come they mailed me a letter informing me that they closed my account but can call me a few time a week to collect payment. I never disputed my charges or that I owe the amount. I simply needed to get caught up. I told them to reopen my account and they said unfortunately we can't do that. So I told them then unfortunately I can't pay them. They said it is still my responsibility. I agree that I entered into an agreement with them but don't understand why they can't simply reopen my account. I am will to keep making payments as long as I can use my credit. I think it is extremely unfair for them to do this. I wanted to maintain my credit with them as I have been a very good borrower. I would gladly make payments if I can use my credit card, since this is what it is for. My name is XXXX XXXX Acct number ends in XXXX. I am now 3 months behind and it is with their collections and recovery department. I spoke to manager by the name of XXXX. My number XXXX
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I called Wells Fargo over a year ago (XX/XX/XXXX) and asked them for a Loan Modification.  I also mentioned to Judge XXXX XXXX XXXX (approx. XX/XX/XXXX) that Wells Fargo refused to help me.  I explained to them, that I was dealing with a financial hardship.  I became retired XX/XX/XXXX.  I was scheduled to appear in court XX/XX/XXXX, which was on a monday.  Court was closed that monday in observance of XX/XX/XXXX, which was on Friday XX/XX/XXXX.  I physically called the courts, and checked on the internet to make sure I would not miss a court date.  On XX/XX/XXXX  (4 days later), I received a NOTICE OF ENTRY AND JUDGMENT OF FORECLOSURE.  It states if I don't pay $XXXX by XX/XX/XXXX,  my home will be sold.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

I have tried to resolve late payments that have been reported on my credit report and they refuse to work with me. I have not been late on payments. I tried to set up auto pay and everytime it would get turned off. I have 3 accounts with them and they also have my name spelled wrong on one account so I don't even know if it mine or not.
Consumer complaint received 2018-02-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (WI)

In XX/XX/XXXX, my husband and I took out a home equity loan to clear up some credit card debts. The day we signed, we had no idea how long this loan was for or anything.  We got the bill and for 8 years have been paying around $600 a month. All this time we noticed that our principal was not getting any lower and that by now the loan had to have been paid for. XX/XX/XXXX there was an additional charge of around $XXXX  we called the company around XXXX and they said that we were now paying on the principal and the interest. We told them that we were not able to pay that amount. They took a bunch of information from us and said they would assign us a case worker. They were sending us some paperwork that never came. We called again on XX/XX/XXXX. I had also requested a copy of our loan papers by USPS on that day. We had to give them all the information again. We got the paperwork but don’t understand what to do with it. My husband called the case worker on XX/XX/XXXX and she doesn’t come in until noon  eastern central time. My husband works 2nd shift and leaves just after noon each day to get to work. We still have not received the copy of the loan papers. What can we do about this?
Consumer complaint received 2017-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

dispute # XXXX XXXX : Spoke to XXXX XXXX on XX/XX/XXXX regarding damaged items that arrived from XXXX. She informed me I had to send photographs and emails exchanged with the vendor of the damaged merchandise. She gave me a fax number to do this. I faxed the photographs to XXXX. I faxed to XXXX the emails I had sent to XXXX. This occurred in XX/XX/XXXX. I spoke to XXXX representatives every subsequent month, regarding the late fees and interest -- I said that since I had an ongoing dispute, these needed to be removed. Every month, they were removed by a XXXX representative, because there was an ongoing dispute. I spoke to representative " XXXX '' in XX/XX/XXXX, regarding the dispute. He also removed that month 's late fees and interest, and told me the dispute had been resolved, and my account was just awaiting reversal of charges from the dispute department. I called again in XX/XX/XXXX -- spoke to " XXXX, '' was told the dispute had been closed in XX/XX/XXXX. This is obviously a lie -- I have spoken to several representatives since XX/XX/XXXX who told me the dispute was being worked on and was open, and finally, that it was resolved. Every representative I spoke to told me the dispute was open and that they would reverse the late fee and interest for the ongoing dispute.
Consumer complaint received 2017-08-11
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: EQUIFAX, INC. (TX)

There is a tax lien on my credit report with Equifax. It is not mine. I have the same name as my father. They are confusing me with someone else. I contacted the IRS AND STATE CONTROLLER OFFICE and confirmed that this does not belong to me. I disputed this with Equifax and they are continuing to report this on my credit. The IRS stated that they never verified anything like this on me to Equifax and that they do n't do electronic verification.
Equifax failed to respond to my dispute on this error. it has been past 90 days
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MI)

XXXX XXXX, a debt collector has been attempting to contact us about a past due bill. This debt collector is contacting a 3rd party on numerous occasions ( my Father ) Debt collectors are not allowed to contact 3rd parties or Family members more than one time, unless that family member or 3rd party requested them to do so. My father has informed this debt collector that we do not reside at his home and has asked not to be called. XXXX XXXX has contacted my father more than 2 times per day for a week straight, and at all hours. This must stop or we will be forced to take legal action. One operator has left his name on multiple occasions, his name is XXXX XXXX, or do he says. XXXX needs to follow the laws for debt collection, when attempting to collect said debt.