davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (NV)

We are in the process of refinancing our existing mortgage. The process began in mid XXXX and stalled at nearly every point of the way. It is now almost XXXX and we do not even know where we are in the process. In the middle of a pandemic, they asked us to pay for our appraisal and refused to tell us when the appraisal would actually be handled. As usual, the process of getting in touch with the people handling our mortgage has consisted of ATLEAST 3 emails, 5 missed calls, and a call to their supervisor. At this point, we receive not a call back but an email telling us which documents to upload. We upload the documents, which have usually already been uploaded, and when we ask if they can see the documents, there is no response. And they do not communicate with us ever again. Then a few weeks later as we realize there has been no progress or communication, we start the process again. The workers there clearly do not understand that they work for a mortgage company and people who have a mortgage on their home in which they live in with their family do not enjoy having their entire life/savings dangled in front of them. We have been hung up on multiple times throughout this entire process, forced to sign the same documents twice, upload some documents thrice, and pay almost {$500.00} for an appraisal that is apparently never going to happen. This is already a frustrating time and instead of being upfront, they are dragging the entire process out repeatedly. And now, when I log in to the Flagstar website, it tells me some of my documents are expired. Tell me how long a mortgage company can begin a process and not finish before the documents expire? This is by far the worst mortgage company I have dealt with and would not be my last choice ever.
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (LA)

I have submitted a verification and also validation request of the information that reports the most ; I have received is that the data is verified. I have also requested the who confirmed the information and how information was verified. I have not received any response to those, nor have I received proof of validation from the bureau. I have submitted my most recent request on XX/XX/2020, and before that, I presented on dates XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have made Phone disputes also during XXXX and XXXX
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I submitted an online dispute with Equifax on XX/XX/2019 disputing my name as reporting inaccurate a Bankruptcy listed in the public records section of my credit report. They continue to report this Bankruptcy on my credit report after I showed them proof of how my name was inaccurate based of a credit report that I received from a 3rd party company named XXXX XXXX whom which they verify information with.
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (MN)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I am one of the so many customer affected by equifa my information was compromise, there are old accounts on my record that should be taken out.

had reach the status of limitations, XXXX XXXX XXXX XXXX has altered the amount owed, the account was open on 2008 it was a personal loan, the amount reflected is {$26.00} the loan amount back on 2008 was {$9.00} I did paid a partial amount, I have attempted to get a home loan and they continue to interfere, but adding inaccurate information, I am also demanding EQUIFAX to fix all the damage caused by having my personal information being compromised.
Consumer complaint received 2020-06-30
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. (CT)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF EDUCATION/XXXX, XXXX   XXXX XXXX, XXXX XXXX Company Inquiries : XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TN)

My husband passed a few months ago, I've requested mortgage assistance with my servicer. I have submitted request for mortgage assistance with my financials to Mr. Cooper several times. Received in the mail letters from Mr. Cooper turning down my mortgage assistance request several times. Mr. Cooper is difficult to work with and refuses to assist me with my mortgage. I don't want to lose my home to foreclosure please assist me with my mortgage assistance request.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been calling and complaining about 6 inquiries on my credit report that XXXX is reporting : As a last resort since they were not listening to me I filed disputes online. My Dispute # XXXX. 
These same inquires were shown on the other 2 bureaus as well they investigated and then removed. I have reached out to each individual company with no answers or voicemail with no return call. I have reached back out to XXXX  to let them know my findings. They told me the only way I will get removed is to wait until they fall off my credit report. This is unacceptable for me I can't wait until the middle of 2020 to remove something that does not belong to me. Also, it is affecting my credit and trying to apply for a job is hard when you have these kinds of thing bringing your scores down.
Consumer complaint received 2020-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (FL)

I've actually already run through your complaint process on this and you closed my complaint without addressing any single issue I've had with the company. 

Likewise, Wells Fargo has absolutely refused to address any of the material elements of the case I've raised with them. They simply say " no. '' This is absolutely unacceptable and I don't understand how the CFPB is representing my interest in this at all. 

In XXXX, I contacted Wells Fargo regarding my auto loan. It was slightly behind ( largely due to my business experiences with the COVID crisis ). I was set to get everything up to date but was waiting for new checks to clear so I could make a payment to catch up without issue. I called Wells Fargo to advise them of this. That I was sending a check dated XX/XX/XXXX and was concerned that it might not arrive on time. I was told that there was no problem with this and everything would be fine. I also advised them by phone that as soon as several other checks ( in hand ) cleared, I planned to catch up with the balance and never fall behind again. Again, they told me on that phone call that everything would be fine. 

The next communication I received from Wells Fargo was that my loan was no in " charge off '' status despite my outreach to them. 

In a follow up phone call, I was told my check ( dated XX/XX/XXXX ) cleared their system ( again conveniently ) on XX/XX/XXXX. On day " late, '' again, despite my open communication with them. 

Since then, through a series of letters and phone calls, Wells Fargo has informed me that they, conveniently, have no record of my call. Also, that the date my check cleared their system was actually XX/XX/XXXX. A date that was never mentioned in any communication from them before that phone call. 

I've provided written documentation of both my check and my phone call. To be clear, a printout of my phone records showing that a call was made to their offices on XX/XX/XXXX despite their insistence that they have no record of that call. 

This has resulted in upset over the status of my car and loan as well as negative reporting on my credit impacting my ability to get another car loan to rectify the situation if, indeed, the facts don't matter and we need to find another solution to this problem. 

I filed a complaint with your offices and had an experience that only seemed to grant Wells Fargo the benefit of the doubt over my claim. 

As I said initially, I would happily submit my hardcopy documentation to back up this story with evidence. But no one has followed up with me on this, either. 

I hope you at the CFPB will treat this issue seriously
Consumer complaint received 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (AZ)

Refinanced into a conventional mortgage with Homebridge Financial roughly a year ago. Homebridge owns the note and ( until XX/XX/2019 ) serviced their own loans. Apparently, when they started using a 3rd party servicer ( XXXX? ) they also changed the loan number. We have never missed a payment and in fact had our mortgage set up on autopay at our bank ( Arizona XXXX XXXX XXXX ).  Somehow in XXXX the change in loan number started to create confusion at Homebridge because they indicated that we had missed that month 's payment. However, we did NOT miss that payment it just went into their system under the old loan number ... .but they still withdrew our funds. I have spend countless hours at my bank and on the phone trying to resolve this problem but it persists. We have provided Homebridge the transmittal report for the XX/XX/XXXX payment but they continue to indicate that we missed the payment ( and that we are accruing late fees ). Furthermore, our taxes and insurance were just paid from our account however this deduction will be too small because Homebridge didn't include our XX/XX/XXXX payment contribution. This is a mess and we do not know where to turn to resolve the issue. Please help
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I have had multiple phone calls with equifax because they tell me there is no credit history for me. This is untrue as I have multiple credit accounts with various credit companies as well as student loans. At first they blamed it on the companies I have credit with and said they arent reporting. So I called them both and they said that they have been reporting since the opening of the account. So I called equifax back and they asked me to mail in a letter explaining the situation as well as proof of my identity, which I did months ago. The issue still exists where I have no credit report or score with them.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Management Systems Inc. (FL)

On XX/XX/2020, I've sent ( via USPS ) a certified letter to all 3 credit bureaus regarding a derogatory mark on my credit report. I'am exercising my right under ; Debt Validation pursuant the Fair Credit Reporting Act, 609 - Disclosure to consumer [ 15 U.S.C. 1681g ] and 611 - Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ... ...

Im challenging the validity of this negative mark is due to the fact that I do not acknowledge the amount reported of {$2300.00} and it's solely an attempt to collect a wrongful amount. Also, I requested proof of ownership from the collection agency of this account for which they had failed to grant me this legal right as the consumer. Upon reinvestigation of my credit file, it never did remedy the error in question.

PLEASE NOTE : This is the type of request I wrote. However, the responses to my credit report investigation was very unsatisfactory as it did not seem to uphold any legalities base on the FCRA rules and guidelines.. PLEASE ASSIST and REINVESTIGATE..

Thank you very much,
Consumer complaint received 2019-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/XXXX Midland Funding received my certified letter requesting validation of debt. I have requested that Midland Funding send me physical proof of the debt owed such as all invoices with transactions dates, bank transactions showing that I made payments, and the original application bearing my signature proving I received the services that were provided. After 30 days pasted I sent another certified letter putting Midland Funding on notice that they failed to respond to my letter and that per the FCRA they were in violation by reporting inaccurate information on my credit report. I have disputed with all credit bureaus and Midland Funding has " electronically verified '' the account is accurate. I demand Midland Funding send me the physical documentation proving I owe this debt. This collection has severally crippled my credit. 
Midland Funding says I owe {$1100.00} ... to which I have no knowledge. 
Please have Midland Funding Prove proof ... ..NOT A INVOICE!
Consumer complaint received 2020-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

debt collector said they were send the account back to the original debtor and I have received a letter saying that I am not responsible for the debt however they are still reporting it on my XXXX credit report LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX XXXX   {$980.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open Account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$980.00} {$980.00} Payment Info Original loan amount {$980.00} Balance {$980.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX Online or by Mail at XXXX. XXXX XXXX, XXXX, GA, XXXX
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (MI)

This account is negatively reporting a debt collection to all 3 credit bureaus after its been proven that the account did not belong to me. This company inaccurate information is negatively affecting my credit reports.
Consumer complaint received 2020-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sequium Asset Solutions, LLC (MI)

Sequium Asset Solution, LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX, I'm making a complaint against Sequium Assets Solution, XXXX XXXX XXXX transferred the collection account to Sequium Assets Solution which is a third party, Im no longer under contract with XXXX XXXX XXXX ... ... ..On XX/XX/2020, I called Sequium Assets solution paid {$290.00} in full, 1st representative told me a paid to delete letter will be mailed to my home within 7-10 business days, never received a letter, called on XX/XX/2020 requested my pay to delete letter to be sent to my loan officer, I'm trying to purchase a home, this has been a nightmare resolving my paid to delete account, 2nd representative said the company will not send a paid to delete letter, the account will showed paid in full through the credit bureaus, I'll receive a letter within 7-10 business days, again no letter was sent, I requested to have the letter emailed or faxed, my request was denied, I was given a reference number to go on the website to receive a letter which will take 24 to 36 hours, it was the wrong reference number ... .. I called on XX/XX/2020, 3rd representative stated the account is paid in full, the company has a right to keep the collection on my credit report for 10 yrs because they are within their right according to the FDCPA, I need to call the credit bureaus to remove the collection a letter will be sent within 7-10 business days Very Hopefully, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2020-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

Company failed to reply to reply in timely fashion to second request sent to them about proper validation of debt. Attached is a copy of first letter which company responded with paperwork with a signature that I never signed. Also I sent over a second letter that was written out on XX/XX/2020 that company failed to respond to within thirty days. If needed I will send the actual date certified letter was sent and received by company and never received a reply.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

XXXX is reporting to the 3 credit bureaus that I have a public record. I have no knowledge of this public record. I have disputed this debt with XXXX and the 3 credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting this account accurately. What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify it? Please provide me with the name of that individual, their company title, and the telephone number as well as copies of the documents that they used to verify that this disputed item is being reporting accurately.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (AZ)

I have had my care credit card since approximately XXXX. I finally used it for the first time in XX/XX/XXXX at the XXXX XXXX XXXX in XXXX XXXX, CA. 
I only signed for their promotional offer of no APR if I pay my balance within 18 months. 
I did not sign for any other promotional offer especially a card security. 
However, when I finally checked my statement, it shows that I had been getting charged the card security with the amount of ranging from $ XXXX {$42.00} a month without my knowledge. 
Until now, I have {$530.00} balance on my account despite them showing that I have been credited that amount on XX/XX/XXXX. 

The payment due date is fast approaching which is on XX/XX/XXXX and I am afraid this will damage my credit score. 

Please kindly help me with this matter. 

Thank you.
Consumer complaint received 2020-10-30
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. (TX)

The following accounts and late payments are currently being reported. I have request them to be removed on multiple occasions via mail. 
Must recent being XXXX, XXXX, XXXX and XXXX of 2020. 
Experian : US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-30
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. (TX)

I BEEN A VICTIM OF IDENTITY THEFT PROBABLY FOR OVER SEVERAL YEARS ACCOUNTS, COLLECTIONS, AND INQUIRIES I HAVE SENT MULTIPLE TIMES THRU THE FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE 4 DAYS. I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON TO PLEASE SEND ME DOCUMENTS OF PROOF THEY DIDN'T DO IT THE ONE ACCOUNT THAT THEY DID TAKE OFF THEY PUT BACK ON SAYING THAT THEY CALL ME MULTIPLE TIMES WHICH IS A LIE UNDER THE FCRA THEY WOULD NOT PROVIDE ANY PROOF OF WHAT INFORMATION THEY HAVE IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT