davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-18
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (WI)

Still having issues with Seterus Mortgage. They did get back to me stating that they made a mistake on reporting my paid payments to the credit bureau. Got the letter and am still trying to get pre-approved for a loan. Now XXXX XXXX & other places I have been dealing with state that I have to wait until it is fixed on my credit report. Months? I 've been trying to get pre- approved since XX/XX/2016 They did n't report the payments correctly and now I am to get it fixed? Seterus is going back to XXXX through XX/XX/2016 and fixing the credit report. At least they say so. All I want to do is get pre-approved, sell my house and buy a different one. There must be a special circumstance with the mortgage company underwriters to approve this. They received the letters from the company. They apologized for any inconvenience ... well it is very wrong and how they stay in business is beyond me. Should I file a grievance with the credit bureau too? That I have to wait for something that I had no control over. Sure hope you can help with this one. Thank you! 

Also, XXXX Bank reported XX/XX/2016, late, which was wrong. Attaching this letter too.
Consumer complaint received 2017-09-26
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. (MA)

I, XXXX XXXX tried to have a credit item removed that was re-aged by XXXX XXXX XXXX XXXX. I showed proof that XXXX had cut off approximately seven-years of payment history. The fact that I modified the original loan does not lock out the pre-existing payment history. The Federal Trade Commission has through several mandates to stop credit bureau subscribers such as XXXX XXXX XXXX XXXX XXXX from re-aging of credit trade lines. The facts are as follows : Original mortgage taken from XXXX XXXX XXXX XXXX XXXX with account # XXXX Original mortgage transferred for servicing XXXX XXXX with same account number Loan transferred to XXXX XXXX XXXX XXXX XXXX XXXX with same account number Loan modified XXXX XXXX, and a new account number was assigned # XXXX Loan continuation of payment history must be applied to loan number XXXX from loan number XXXX The fact that XXXX XXXX XXXX XXXX has XXXX XXXX XXXX XXXX of payment history on the new account number is a re-aging process where the trade line timeline is illegally XXXX should have been XXXX XXXX, as the original first late payment shows on file number XXXX XXXX XXXX. 
I request a full and complete reinvestigation by Experian on this matter, as XXXX XXXX XXXX, XXXX has avoided the subscriber agreement with a credit reporting agency. Therefore, since the complaint against XXXX was not rectified, I must file an FCRA violation complaint to remedy the matter. 
The XXXX XXXX XXXX, XXXX account # XXXX must be deleted permanently!!!
Consumer complaint received 2021-01-26
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. (AL)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I want this FRAUD ACCOUNTS removed ASAP!
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX, XXXX in response to the XXXX hack I attempted to put a security freeze at all 3 credit reporting services. When i tried to do that online at XXXX they said I had to create an account or sign in. I tried to create an account but the computer said I already had an account. This is possibly from about 15 years ago when i tried to fix an error on my report. 

I have no idea what the password or username would be so I tried to retrieve them. The the computer gave me the message that it could n't get the account info and was unable to complete the request. 

I finally had some time today ( XXXX XXXX, XXXX ) to try again. I called XXXX, waited on hold and was finally connected. The person told me I had to call Consumer Relations at XXXX. I called and was placed on hold. The person told me I had to call the Consumer Relations Online Dept at XXXX I called that number and the robot gave me options none of which was to talk to a live person and none of the options was for what I needed. It was all robots. 

I called XXXX again, was placed on hold and they again told me I had to call the Online number. When I told them I was unable to talk to a live person they said I had to call that number. I talked to a supervisor and he said he had no information about that department and could not help me but I had to call that number to resolve my problem. 

Unbelievable/ frustrating! I gave up and am writing this.
I had the same problem with the 2 other credit reporting companies. I could get into their websites because they said I had an existing account but could not tell me the Username or Password.
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I previously filed a complaint with CFPB concerning harassing phone calls from the stores which are Capital One, XXXX, XXXX, XXXX and XXXX XXXX! I had been talking with them all concerning lowering late payments as well as smaller pay off amounts to get my cards back current and usable. They all assured me that they would send a letter as well as email me converting the amount they had figured to get my cards usable. Some even lowers late payments and took money from me saying my account was in good standing and I would be able to use my cards in XXXX weeks! They all closed my cards without notifying me and I called constantly! This has drastically messed up my credit and after being harassed and lied to SOMETHING must be done!
Consumer complaint received 2017-09-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Thaxton Investment Corporation (TN)

They came to my house on XXXX/XXXX/XXXX at XXXX and I explained that I did not have the payment then but was aware of the payment due. My payment is not even 30 days past due. She said that not acceptable. I told her I would pay that Saturday and she would not accept the answer. I told her repeatedly that it is not even 30 days. She said that they would not let me borrow money again and I said that was fine. Then she said she was going to put a garnishment on my check. She said she will be back at my house tomorrow.
Consumer complaint received 2017-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX- credit inquiry unauthorized XXXX XXXX- unauthorized inquiry more than once. 

XXXX-unauthorized inquiry XXXX XXXX unauthorized inquiry more than once. 

XXXX unauthorized inquiry XXXX XXXX- unauthorized inquiry XXXX- unauthorized inquiry XXXX- unauthorized inquiry XXXX unauthorized inquiry XXXX- unauthorized inquiry XXXX- unauthorized inquiry XXXX- unauthorized inquiry I have contacted each creditor they all have told me to contact transunion and transunion keeps telling me to contact the creditor.
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (NY)

**BACKGROUND** I closed on this property on XX/XX/XXXX - my payment has been {$3100.00}, breakdown is as follows : XXXX XXXX XXXX : {$1700.00} Escrow : {$1300.00} - ( XXXX  at $ XXXX and insurance at roughly {$120.00} p/m - {$1000.00} for tax as my loan was underwritten to pay about $ XXXX in true property tax ). 

In XXXX the " True taxes '' were {$12000.00}. However, the town tax collector gave ServiceMac , LLC a tax bill iao {$4400.00}, as the previous owner 's " Aged '' exemption, in the amount {$5000.00} was applied to my XXXX tax bill by the Town. All this time, I have been paying my full mortgage payment, as broken down above. 

In XXXX, my tax bill came and it was the " true tax '' amount, plus the {$5000.00} Aged exemption, as a pro-rata charge from XXXX, increasing my taxes to $ XXXX, temporarily, to pay back the prior year 's exemption. 

I am a mortgage industry professional and understand how/why these things happen. The below is my issue with the servicer. 

**ISSUE** ServiceMac has misplaced escrow funds in the amount of {$7400.00} when they should have had enough funds to cover the first and second tax payment for XXXX as I have been contributing {$1000.00} per month in taxes since the loan originated. 

On XX/XX/XXXX XXXX XXXX, a Customer Resolution Specialist with ServiceMac , LLC advised : " When the account transferred to us the balance was {$5100.00}, but an initial error occurred that resulted in the balance showing {$12000.00}. The disbursement of {$7400.00} was to correct the escrow balance. '' - - - XXXX is incorrect. I had been paying {$1000.00} a month in tax escrows and ServiceMac only paid the taxes in the amount of {$4400.00} for XXXX, as well as having an escrow balance of over $ XXXX when the loan originated. There should have not been any adjustment to the escrow balance. 

As per the ServiceMac 's pay history - When I made my XX/XX/XXXX mortgage payment - my escrow balance was {$12000.00}. On XX/XX/XXXX - the loan service transferred to ServiceMac - XXXX XX/XX/XXXX there was an escrow adjustment in the amount of {$7400.00}, which then adjusted my escrow balance down to {$5100.00}. This was the servicer 's admitted error for which they have not corrected and subsequently raised my monthly payment by almost a thousand dollars. 

Additionally, ServiceMac sent me a {$5800.00} check and then canceled it with no notice - you will see this accounting error on the payment history. No remaining issue, other than negligent accounting practice. 

The attachments will show the correspondence with XXXX  XXXX, as well as a complete payment history for the life of the loan. I have also attached the town 's tax bills as reference.
Consumer complaint received 2022-02-23
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (GA)

XX/XX/XXXX, I contacted XXXX XXXX  and XXXX XXXX to work on a mortgage loan, obtained pre-approval letter. XX/XX/XXXX, contract signed for new construction. I provided XXXX XXXX  with documents requested. Paid {$1500.00} to secure the construction contract. Home was scheduled to be finished, close date of XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX left XXXX XXXX, my file was not worked. Then I was asked to pay {$590.00} appraisal fee and other out of pocket expenses. XX/XX/XXXX, XXXX XXXX  unofficially closed my file. XX/XX/XXXX, contacted XXXX XXXX at Movement Mortgage for help. I was promised help, lied to about close date. When in actually no submission was made to XXXX  XXXX  nor XXXX  on my behalf. My family was rendered XXXX  because of the false expectations set my XXXX XXXX. I had to live in a hotel. My apartment lease was expired and not available for renewal as I had already submitted a vacate notice expecting to be in my new home. XX/XX/XXXX, construction contract was terminated by the builder. It was then I found out that XXXX XXXX lied about my loan progress. I'm financially crippled by her incompetence
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

For 11 months, Wells Fargo Home Mortgage ( WFHM ) gave me obstacles as pretext for denial of my mortgage refinance application at a low percentage rate of XXXX. This is a case of misrepresentation. I lost close to {$2000.00} dollars and a lot of time in which I could have applied for the refinanced mortgage at the same rate at another bank. WFHM admitted to customer problems with their " Loan Tracker '' system that did not properly capture, save and track my confidential documents that I was asked to submit again and again. WFHM requested the same confidential documents with SS numbers and bank statements numbers, personal tax info, etc. repeatedly and because of the faulty " Loan Tracker '' system, they suggested I submit confidential documents by email. Seven mortgage processors, one mortgage consultant and two managers were involved in handling my application. The first mortgage processor who handled my application was described by the WFHM consultant as incompetent. He instructed me to mail an income tax document with a " wet signature '' to a WFHM address he later explained was invalid. A home appraisal was ordered two times.I was not notified of WFHM instruction to order a second appraisal and questioned who would pay for the second appraisal. I never received a response. Several times, WFHM notified me that I would be closing in the next month, for example in XXXX and no later than XXXX. But later I received notice from a different mortgage processor that the same documents I already submitted were then requested again ; and additional documents and inspections were requested. Another obstacle surfaced when the WFHM manager said the bank ran into an internal " glitch '' regarding Certificate of Title. Eleven months later, I received notice from the bank that the application was cancelled. In XXXX XXXX and on XXXX XXXX, XXXX, the WFHM loan administration manager told me that he would have to get the " proper parties together in order to come to a consensus '' regarding the percentage rate lock. In an attempt to resolve the matter, I reached out on XXXX XXXX, XXXX to the Senior Loan Administration Manager and the Loan Operations Manager and again in XXXX XXXX and XXXX XXXX. This is a case of misrepresentation and WFHM has received my money for the refinance application, home appraisal, and inspections totaling close to {$2000.00}. dollars. I lost significantly greater cost savings by not refinancing my WFHM at the rate lock of 2.375 %. WFHM strung me along extending the rate lock numerous times while requesting documents repeatedly and more documents, while charging me unnecessary fees. Note my credit score is Excellent and I've been a WFHM customer for 20 years.
Consumer complaint received 2022-02-23
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. (GA)

I received an invitation from Experian to apply for an XXXX Credit Card. The information stated that it would not impact my credit score. So I applied and noticed yesterday that my credit scorXXXX decreased by XXXX points. I called to speak with someone about this and spoke with a customer service manager named XXXX. She was nasty and rude. This is misleading information. It appears that Experian gets rewarded for the number of applications submittetted. This is unethical and fraudulent.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Equifax has Deleted my whole credit report and when I called they said we are aware of the problem. I was voicing my concerns when the Representative had said, " Well maam the longer you keep me on the phone the longer it will be to fix the problem '' I mean I've Never been so upset with someone in my whole life, Equifax Information Services, LLC. has Deleted my entire payment history showing that my credit score dropped XXXX points. 
Please have them restore my good payment history I am attaching the import I received from my credit monitoring company.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TRANSUNION is illegally and unlawfully reporting information on my credit file. I 'm asking for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have 30 days to responded to my request. I also need TRANSUNION to present a certified final forensic audit in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also need them to present these documents from the following vendors/creditors : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-01-25
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. (WV)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2017-01-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

This is my complaint against Wells Fargo bank fraudulent foreclosure practices and illegal transfer of its non-existing " servicing rights '' to a new Servicer Company AFTER Wells Fargo bank sold my wrongfully foreclosed property to a third party buyer. I demand Wells Fargo bank to provide copies of all original documents and explanations based on which they conducted foreclosure case XXXX ; and transferred my loan with XXXX to XXXX XXXX XXXX XXXX two month AFTER my unit was sold to a third party buyer. 

I during last 4 years many times contacted CFPB to complain about Wells Fargo violations of National Mortgage Settlement, all applicable laws and their foreclosures mill and money laundering business in US Courts. 
Consumer Financial Protection Bureau always mailed my complaints to Wells Fargo bank, who responded with a binder-worth of deceptive runarounds " we need more time to research '' ; and never responded on merits of my requests. All my complaints against Wells Fargo bank were closed by CFPB, without any investigation or any meaningful resolution while Wells Fargo bank always walked away unharmed As the result, at least XXXX new parties are defrauded by Wells Fargo bank 's uncontrolled criminal practices : the new property buyer, XXXX, who paid cash for the unit while Wells Fargo bank impersonators sold him a fatally defective Title ; and XXXX to whom Wells Fargo bank sold servicing rights on MY mortgage with long-bankrupt XXXX AFTER the property was sold. Clearly, Wells Fargo bank wants XXXX He and XXXX bear all damages resulted from Wells Fargo illegal foreclosures practices. 
When I called XXXX customer service to discuss Wells Fargo 's servicing rights transfer on my loan with long-time bankrupt XXXX, to XXXX, their representative had NO knowledge about the sale of my unit on XX/XX/2016 and advised that XXXX DOES NOT have any documents related to my loan from Wells Fargo bank. The XXXX representative, XXXX XXXX, further informed me that XXXX will mail a " welcome '' letter within 14 days after they receive my file from Wells Fargo. Bear to repeat, Wells Fargo during more than 4 years was not able to provide me copies of requested documents based on which they foreclosed on my property and which gave them rights to sell it to XXXX XXXX. 
Wells Fargo bank illegal maneuver with transferring its non-existing servicing rights to XXXX after my unit was sold long time ago is solely intended to cover for their massive foreclosures fraud with robo-signed documents ; and shift the burden and all liabilities on other parties. 
I respectfully demand Wells Fargo bank to stop ignoring my requests for documents and information and provide me the following : copies of all original documents related to my Loan on the property located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX ; full chain of assignment ; explanations of transfer to XXXX AFTER my property was sold to a new buyer.
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.