davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank has taken me to court and charged me for the lawyers fees. I am being harassed because my home has been listed on XXXX as a foreclosure. I have been trying to work with TD Bank since my injury in 2009. They are completely uncooperative and do not have any interest in working with me. There sole intent is to foreclose on my house. There is no communication unless it is initiated by me. I have been making payments but they wo n't send me statements or even a break down of fees.. I have been asking to refinance but they wo n't even discuss the option or any other option. I am tired of getting phone calls from realtors and others that have seen our house listed.
Consumer complaint received 2015-06-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

The Mortgage company has omitted some of our mortgage payments for the last two years and they are trying to foreclose on us tomorrow. We, need help to hold the Mortgage Company liable for misappropriating your mortgage payments.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (IL)

I received a credit report from Experian on XXXX/XXXX/2015 stating the items I deputed has been deleted from my credit report. Then I received a credit report on XXXX/XXXX/2015 saying that the items has been updated or remains. Without reasoning or explanation I think this is unfair practices of Experian.
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (IN)

WE HAVE AN ACCEPTED PURCHASE AGREEMENT ON A MANUFACTURED HOME FOR {$130000.00}. WE ORIGINALLY GOT PREAPPROVAL THROUGH XXXX XXXX FOR LOAN AMOUNT OF {$76000.00} AS WE WOULD MAKE DOWNPAYMENT FOR THE REMAINDER, BUT WAS DENIED DUE TO FACT THEY DID N'T MORTGAGE MANUFACTURED HOMES IN INDIANA. OUR REALTOR ASSURED US WELLS FARGO BANK FINANCES MANUFACTURED HOMES ALL THE TIME AND HIS REFERAL WAS TO A FORMER COWORKER AT THE REAL ESTATE AGENCY WHERE OUR REALTOR WORKS AND XXXX KNOWS FROM REALTORS ' PERSPECTIVE AND THE BANKING/FINANCING SIDE TO GET THE FINANCING DONE FOR XXXX. SAID IT WILL BE A `` SLAM DUNK ''. OF COURSE WE TURNED OVER ALL DISCLOSURE DOCUMENTS AND PAID FOR XXXX INSPECTIONS PER FANNIE/FREDDIE GUIDLINES FOR MANUFACTURED HOMES, AS WELL AS AN APPRAISAL. PROBLEM BEGAN WITH APPRAISAL UNACCEPTED BY UNDERWRITTING AS THERE WERE N'T ENOUGH VALID CAMPARABLES TO JUSTIFY VALUATION. I CONTACTED APPRAISER, WHO CLAIMED APPRAISAL WAS GOOD AND MEETS THE GUIDELINES AND THAT WELLS FARGO SHOULD ACCEPT. I COMPLAINED TO WELLS FARGO AND SO MY REALTOR SENT COMPS FROM AN OUTSIDE AREA FOR CONSIDERATIONS. THEY WERE DEEMED INFERIOR. SO LOAN DENIED ON TECHNACALITY AS WIFE AND I ARE THROWN UNDER THE BUS DUE TO UNDERWRITTING/APPRAISER UNDERSTANDING/INTERPRUTATIONS.
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Please remove this credit info from my credit report. It is not mine ... 
I was alerted today that I have a credit card from XXXX XXXX, with a {$1000.00} credit limit, which was opened XXXX/XXXX/XXXX ... with no derogatory information - never late and completely paid off ... but is now an inactive account. 
I have no idea who this card belongs to, but it is not mine. My credit score dropped XXXX points today ( within one week ) and I have no idea why or if this is the reason - FRAUD!!!! 
In addition, you report that my oldest account is only 1 year and 4 months old. This is absolutely inaccurate, too. Please contact XXXX XXXX Bank and they will tell you that I opened an account with them on XXXX XXXX, XXXX. This is almost 2 1/2 years old.
Consumer complaint received 2015-12-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I filed a previous complaint on XXXX/XXXX/XXXX with the CFPB # XXXX regarding Wells Fargo Dual Tracking my loan in foreclosure. This time I have complied all of the correspondence which proves up my position. Wells Fargo initially denied my husband and I for a loan modification XXXX XXXX/XXXX/XXXX, because of our combined income of {$22000.00}. Because of the stresses in our marriage and external circumstances we separated. I applied alone and submitted my package to Wells Fargo on XXXX/XXXX/XXXX with my income being {$6900.00} per month. In a letter dated XXXX/XXXX/XXXX from Wells Fargo they stated they were unable to move forward with my request for assistance and that they were sending my loan to foreclosure without any explanation whatsoever. In a letter dated XXXX XXXX, XXXX from Operation Reach on my behalf requesting that Wells Fargo provide a acknowledgement of the package as well as providing a decision to my request for mortgage assistance. In a letter dated XXXX/XXXX/XXXX Wells fargo sent a letter responding to the third party authorization and also stated that my package had to be reviewed by a modification re-entry, the letter also stated that Wells Fargo was unsuccessful in their attempts to contact both the third party and myself, which is false on every level. On XXXX/XXXX/XXXX, a Notice Of Default was recorded on my property still no decision from Wells Fargo Bank on my application submitted on XXXX/XXXX/XXXX. There were numerous letters from Wells Fargo requesting more time and then a response dated XXXX/XXXX/XXXX ( which I just received ) The response from Wells Fargo explained that based on my modification application and income of {$6900.00} there was not a significant change from the combined income of {$22000.00} which we were previously denied for. It appears to me that math is not top on the Wells Fargo list when evaluating for a loan modification or maybe this major fact was overlooked. The letter dated XXXX/XXXX/XXXX also requested additional items in order to review my application submitted on XXXX/XXXX/XXXX, this request comes 3 months after my loan was submitted to foreclosure and XXXX month after Wells Fargo filed a Notice of Default, and now there is foreclosure sale notice for XXXX/XXXX/XXXX, this notice I believe deterred the possible buyer as it was posted while inspections were occurring.
Consumer complaint received 2015-06-03
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Commercial Acceptance Company (NE)

Commercial Acceptance Corp 's XXXX, PA office contacted multiple of my children. They were not party to the debt and it was disclosed to them that Commercial Acceptance was attempting to contact me. CAC has my correct phone number and I am having my mail forwarded, as I recently moved. The debt is associated with a medical charge and a dispute with my insurance company. I believe their actions were overly aggressive and not in conformance CFPB rules and regs.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-06-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: AmerAssist A/R Solutions, Inc. (WA)

i was contacted via phone last week from a collection company they stated i owed XXXX XXXX {$1300.00} from 2008 I told them i paid XXXX XXXX {$450.00} for their services and this was a BOGUS collection. I then received a letter on XXXX that was dated XXXX stating i needed to pay the amount the or legal action will take place. The letter states over {$3200.00} which almost tripled from what they told me on the phone.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I am having an issue with the Experian website in trying to upload an amended police report that I have made on XXXX XXXX 2015. I picked up the report on XXXX XXXX 2015 and it shows the original report filed on XXXX XXXX 2015 and on page XXXX it is the amended report from XXXX XXXX 2015. I am trying to upload the police report because there is fraudulent information on my credit report that is reporting there is multiple fraudulent inquiries on the credit report with XXXX XXXX XXXX on XX/XX/2015, XXXX XXXX XXXX XXXX on XX/XX/2015, XXXX XXXX XXXX on XX/XX/2015, XXXX XXXX XXXX XXXX on XX/XX/2015, XXXX Card on XX/XX/2015, XXXX XXXX XXXX XX/XX/2015, Colorado XXXX on XX/XX/2015, XXXX Colorado XXXX on XX/XX/2015, XXXX Bank on XX/XX/2015. One of these inquiries resulted in a Fraudulent account with XXXX XXXX union Account # XXXX to be established fraudulent in my name.
Consumer complaint received 2015-07-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Profit Recovery, Inc., Marlborough, MA Branch (PA)

I recently had to get a copy of my credit report and found a company claiming I had an account with them. I called for copy of a invoice for services because I did not use this company. This account was in my ex husbands name and when filed for divorce he called and put my name on the account. I did not use this companies services. I called and asked for information and I was told they could not give me a copy to call the collection company. I called the collection company and they only have the amount owed on account. I have not received any invoices from the company or collection agency but they are on my credit which is bringing my number down.
Consumer complaint received 2015-08-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (SC)

In XXXX 2015 I had fallen behind on my mortgage and was working with Wells Fargo to remedy the situation. I had put my home on the market for sale and was notified on or around XXXX/XXXX/15 that the house was going into a foreclosure status. I quickly contacted the short sale department and began to work on becoming approved for a short sale. In the meantime, I received a cash offer to sell the house and contacted Wells Fargo to let them know the good news and obtain payoffs. At that time, their system did not reflect any foreclosure fees associated with the property however the next day, they moved my file out of the pending short sale department and it went into an active foreclosure status again charging me {$3000.00} for a {$25.00} filing fee with the courts. They knew that I would be paying them in full in 10 days. I feel that there was no reason for doing this to me and I filed a complaint with them on XXXX/XXXX/2015. I closed on my home on XXXX/XXXX/15 and they were paid in full for all late fees and penalties and interest along with this additional, " foreclosure fee ''. To date, no one has responded to my complaint and I have called in a few times and was only demeaned by the foreclosure department stating that I was the one behind in my mortgage and they did not care that it was paid in full. If the foreclosure department touched my file, that would be the cost. I think that the cost of {$3000.00} is exorbitant for a file that was in their possession for less than 11 days. And again I want to point out that the moment I notified them that I would be paying them in full they moved my file to foreclosure department and acted fast. Please someone investigate this on my behalf. I feel that their practices were designed to intentionally penalize me. I also feel that had I not called them to notify them, I would have sold my home with it not being in the foreclosure status and not been responsible for the additional {$3000.00} in fees ; again proving that the charge was excessive and not in the best interest of the client ( me ). Thank you for your time.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I got suckered in to a time share contract. After several years of having problems with them I gathered up some research and sent them a demand letter to void my contracts, return my money or face a law suit. In fairness I also quit paying they outrageous monthly fee. I have been in contact with them. They quit calling me but are still billing me. They have since put late payment notices on my credit reports. I would like to get these removed or at least be able to add my explanation of what they are. I see them as an XXXX attempt to get me to stop my demand and avoid a law suit.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Experian is refusing to conduct reasonable ( re ) investigations and remove accounts containing facially inaccurate and misleading information. On XX/XX/year>, Experian notified the complainant that a security freeze had been placed on their credit file 'as requested. ' However, the complainant made no such request. Instead, the complainant has consistently demanded that Experian remove several accounts/tradelines that have persisted for extended periods, despite numerous ( re ) investigations that have purportedly 'verified ' the erroneous data as accurate. 

Rather than fulfilling its responsibilities under the FCRA, specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, Experian has instead imposed an unwarranted and unrequested security freeze on the files it maintains and disseminates regarding the complainant. Experian could just as easily remove facially false information as it can apply security freezes to accounts. Therefore, Experians decision to perpetuate information it knows, or has reasonable cause to believe, is inaccurate or misleading, is a deliberate choiceone that has continued to harm the complainant for over two years.
Consumer complaint received 2018-11-27
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. (NC)

On XX/XX/XXXX, I first placed a dispute of various accounts that were showing on my personal credit report, yet were never authorized and were fraudulent due to Identity Theft. Despite placing all proper supporting documents along with the described accounts in the mail with the major credit reporting agencies. Nothing has changed despite me following following their dispute procedures they have not followed the law of the FCRA sec 605b I am in need of assistance in this matter.
Consumer complaint received 2015-08-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I paid off my equity loan and ask the bank employee to close my account. Also there was an overpayment of {$1000.00}. It happened in XXXX XXXX of 2015. It has passed a month without a refund of the overpayment when I went personal to the bank branch to ask for the refund. XXXX XXXX, the personal banker called the department that handle it and he was told that a check have been sent to my address, but if I have not received it, they will place an stop paymen t in such a check and issue a new one. So far I have not received the check, but continue receiving the bank statement, that mean my account have not been closed as I requested and the overpayment check has not been made. 
The bank account is # XXXX, Fifth Third Bank, North Carolina
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I recently checked my credit report and noticed that i've been a victim of identity theft for numerous credit inquiries i have no knowledge of, here are the inquiries i found, 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 PLEASE remove these FRAUDULENT INQUIRIES from my credit report! I also attached my identity theft report as well!
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

i received the enclosed package from Wells Fargo flatly refusing to help me in any way shapre or form and still not taking responsibility for there mistakes. 

I asked for modification documents, short sale and deed in lieu 4 months ago, to date i have received nothing, and have been refused any modification any principle reduction without even applying for assistance. 
XXXX owns my loan Wells Fargo services this loan. Without allowing a borrower to apply for these programs without due cause is not legally allowed. Under what grounds are they denying? 

They have yet to resolve the title issues but for the protection of themselves they filed a claim with the XXXX, if they didnt mess up the modification with not properly showing liens i had no knowledge of the modification wouldnt have been allowed. 

I asked for a new Rep since it just felt like the rep assigned is continously stating they did nothing wrong. Well if you did nothing wrong you wouldnt have a claim in with XXXX. and you would be handling my concerns and providing the paperwork for programs that are in fact out there for people in my situation. 

Any thing i have asked WELLS FARGO THEY REFUSE TO HELP OR ASSIST
Consumer complaint received 2016-02-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo, charged me a monthly service fee of {$10.00} XXXX separate times for not using my debit card ten times or more. When I inquired about this, I was told a few of my transactions did n't count because they were n't transaction from using my debit card and they could n't waive the fee. In the past I 've paid a small fortune in NSF fee relying on inaccurate balances due to the bank not posting to my account immediately. I 'm on a fixed monthly income and ca n't afford to have this bank taking money from me. I try to be careful to not go over my balance and now I have to worry about spending enough money from my debit card to avoid a monthly service fee. People like myself ca n't afford to keep this bank in business. They have no regards for people on a low income, if they have to charge fees why must they be so expensive and so many? It makes me feel as if I 've been robbed.
Consumer complaint received 2015-08-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PMAB,LLC (NC)

I noticed that my credit score had dropped precipitously from XXXX to XXXX due to a negative report. When I ran my credit report I found a false report had been made. PMAB LLC is a collection agency employed by XXXX XXXX XXXX. PMAB LLC reported an account balance of {$440.00} as not paid to the XXXX and other credit bureaus. PMAB LLC had good reason to know the account was not mine. When I telephoned PMAB they admitted the charge had been made by my XXXX year old son, not by me. They identified my address as a former address where I have not lived for 8 years. When I complained I was told I should get my son to pay the bill. I am not responsible for the bill. I am not responsible for getting my son to pay his bills. When I telephoned XXXX XXXX XXXX to complain, they told me they had no balance due on any account from me. That leads me to believe the collection agency is an unscrupulous agency which preys on the elderly by engaging in extortion. Please assist me in regaining my rightful credit score by the elimination of this unlawful report. I have attached a copy of the PMAB item as shown on my credit report.
Consumer complaint received 2024-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I just recently looked at my credit report XX/XX/2024, I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Count # XXXX ). This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b