davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

While trying to close a refinance with a mortgage company, I was advised I could not close because there was an outstanding lien against my home that I was trying to refinance. I asked who had the lien and it was Suntrust. I advised the new refinance company that it was paid off on XXXX XXXX, XXXX and I was told I needed to get proof. I went to Suntrust and found that they still had a lien on my property and XXXX years later it still has not been removed. 

Suntrust Account XXXX : XXXX -- - What XXXX bookkeeping since the Suntrust clerk was able to pull the print screen showing the loan paid in full XXXX/XXXX/XXXX. I then had to send a letter to Suntrust requesting the lien be removed -- - I was told that could take up to XXXX days -- - this screwed up my refinance. Some one must answer for this mistake and provide proof that my residence does not have a lien against it. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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.
Consumer complaint received 2017-10-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (OH)

I have an HSA that I was provided by my previous company XXXX XXXX. The HSA that I have a problem with is currently with " XXXX a division of Webster Bank N.A, member FDIC '' Now that have departed from my company, this bank wants to charge me a monthly fee to keep my account. So I used the funds and brought this account to a XXXX balance. I then called to close the account and I was told I couldnt do it, I need to complete a form and send it back. This process is so outdated its ridiculous, this bank allows me to login to my account with a finger print, but I can not close my account with a phone call or online?!?! 
Then I get the form via email today, they would like to charge me a fee of {$25.00} to close my account. When I asked the bank CSR what would happen if I did nothing, I was informed that I would continue to be charged fees even though my account is at {$0.00} I do not recall giving this bank permissions to put my account into an overdraft status so this is also concerning.
Consumer complaint received 2017-10-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

Chase is not allowing us to explore all loss mitigation options. 

They offered a shortsale and now are not giving enough time to do one. 

XX/XX/XXXX Chase We Received letter confirming ; receipt of request & valuation report. as part of request for mortgage assistance.
XX/XX/XXXX XX/XX/XXXX Our follow up call to Chase! It 's too late, sale date of XX/XX/XXXX XX/XX/XXXX Letter received confirming my request XX/XX/XXXX. and their commitment to research update and resolve request by XX/XX/XXXX But Foreclosure notice for the XX/XX/XXXX Yet XX/XX/XXXX Letter received XX/XX/XXXX Postponed sale until XX/XX/XXXX No response from Chase therefore Not enough time
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have disputed this Inaccurate reporting with all three credit bureaus XXXX, XXXX and Experian. Each time it comes back as verified but the information is still incorrect. I have contacted the XXXX XXXX XXXX XXXX Bank as well with the issue and they say verified as well. 
They are Reporting Payment Information as follows : Date of Last Payment XXXX Payment History show as XXXX day late for XXXX. 
Date of First Delinquency show as XXXX Credit Report show XXXX day for XXXX
Consumer complaint received 2017-10-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I am a victim of fraud and misrepresentation by my mortgage lender Wells Fargo. I have a FHA loan insured by HUD and due to a switch in employers and payment frequency I went through a temporary financial hardship and missed some mortgage payments. A couple of months later when I was in a stable position I contacted Wells Fargo to address the late payments and they told me since I had an FHA loan that there were several assistance programs. I was told I needed to apply for a modification, and XXXX XXXX was our designated contact at XXXX EXT XXXX. After supplying all of our paperwork we received modification paperwork in the mail and a notary came over for us to sign this. However, there were no terms, no payment amount and no statement telling when and where to make the mortgage payment in the Wells Fargo paperwork. We called Wells Fargo on several occasions and XXXX XXXX said she would look into it. She finally told us that our payment was {$1900.00} but that since the terms were not in the modification paperwork that we should not make a payment while Wells Fargo gets things straightened out. 

A couple of weeks later we called XXXX XXXX again to get more information. Once again she told us NOT to pay and to wait 30 more days so she could get this straightened out. After we did not make the second modification payment the collections department at Wells Fargo began calling us and telling us we were delinquent and that we were supposed to be making payments over the last couple of months. They told us they would not accept a single payment, only the full past due amount with late fees and Attorney fees. Now XXXX XXXX is apologizing over and over and saying let me get this straightened out ... ... ... ... ..but she never did. Soon we were in foreclosure and Wells Fargo set a foreclosure sale date. 

We are either victims of fraud and misrepresentation or utter incompetence on the part of Wells Fargo. Based on the fake bank account scandal and the investigations by Congress into the behavior and culture at Wells Fargo I admit I am not surprised. However, we are still in a difficult situation because of this. Wells Fargo appears to be willing to rip off HUD as well as my family, they want to lie and make misrepresentations so they can cash in the insurance instead of following the rules. Please look into this matter, all of our conversations with XXXX XXXX were recorded, we are telling the truth and Wells Fargo needs to be held accountable. We were approved, we had the means to pay, we wanted to pay and Wells Fargo told us not to because of errors on our paperwork. When we followed their advice we were put into foreclosure and they set a sale date and refused to accept any type of payment from us except the full past due amount.
Consumer complaint received 2017-08-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (NC)

On X/XX/2017, I checked my account balance and it said that I actually owed more than I borrowed! At this point I had made two ( 2 ) payments of {$110.00} ; one on X/XX/2017 and another on X/XX/2017. When I called and inquired as to why this was, I got some long-winded excuse as to why the balance was so high ; something about accumulating interest. I expressed how violated I felt and how I felt like I was being taken advantage of and ended the conversation. Remarkably, since that conversation, the balance shows less than what I owe, but the majority of the payments I am making, at least 95 % of them, is going to interest and not principal. To date I have made 5 payments totaling {$590.00}. My balance according to Spotloan.com is {$510.00}. So out of the {$590.00} I have paid thus far, only {$81.00} has gone towards the principal. I have screenshots of the balance that showed on X/XX/2017, and subsequent balances on screenshots since. On X/X/2017 I have a screenshot that shows a balance of {$540.00}. 4 days later on X/X/2017, I have a screenshot showing a balance of {$560.00}! How did it increase in 4 days???? It 's just so ridiculous.
Consumer complaint received 2017-10-17
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: Ad Astra Recovery Services Inc (NV)

XXXX XXXX is reportinig inaccurately on my credit report. There are several accounts that are not mine.This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX keeps showing information on my credit report from Equifax and XXXX thats incorrect. I have disputed online with XXXX XXXX, Equifax and XXXX several times but each time the credit agencies dispute my information rather than investigate it and XXXX XXXX emails me that whats on the credit report is correct. They have never asked for additional information so I can prove the report is wrong. The last time I disputed information online thru XXXX XXXX was XX/XX/XXXX. They keep showing late/missed payments for XXXX XXXX but my XXXX 1st mortgage was sold to XXXX XXXX in XX/XX/XXXX. Their report shows it 's in a Chapter XXXX which it is not. The XXXX 2nd mortgage is included in my Chapter XXXX but they keep saying it also has late/missed/derogatory payments. I pay the Bankruptcy Trustee each month who distributes payments to XXXX for the 2nd mortgage, so the payments should not be reported as late. They also show that I opened the XXXX XXXX XX/XX/XXXX ... which is incorrect. XXXX sold my mortgage to XXXX in XX/XX/XXXX.  XXXX is the only mortgage I have and it is not a part of my Chapter XXXX. I pay them over the phone each month on time. The credit report shows my XXXX mortgage was closed XX/XX/XXXX. They also show the last payment I made to XXXX XXXX was XX/XX/XXXX but I have been with XXXX XXXX and have not made any payments to XXXX XXXX since XX/XX/XXXX when they sold my loan to XXXX. The XXXX loan should show as closed out as of XX/XX/XXXX. Equifax and XXXX   are also showing that I have a XXXX bankcard thats late and the last payment was XX/XX/XXXX. The XXXX bankcard is a part of the Chapter XXXX and they are responsible for making the payments since XX/XX/XXXX which was when the bankruptcy went into effect. I have documentation to show all of this if needed. Why the reporting agencies hasnt asked for proof is beyond me. With the agencies refusing to correct and update my credit report/credit score, it has caused me to either be denied for credit or pay very high rates. THIS IS UNFAIR AND THE CREDIT REPORTING AGENCIES HAVE REFUSED TO CORRECTLY INVESTIGATE THESE ISSUES AND UPDATE MY CREDIT.
Consumer complaint received 2017-10-17
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (GA)

Hello, I have attempted three times to partner with Navient to open an investigation regarding the student loan assigned to my SSN. I just realized the school the Student Loan was drawn from I never attended. This entire time I thought this Student Loan was from my XXXX XXXX and its not. Navient has me flagged for a loan that I cant afford to pay each month as well as its not even my loan. 

So therefore, I would like an investigation on the Student Loan amount to be place on some type of hold until a solution is determined as its fraudulent. 
Please advise.
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC (AL)

Hello, In XX/XX/XXXX I contacted XXXX XXXX XXXX to tell them they are reporting my installment contract incorrectly and it is showing on all 3 credit bureaus as a mortgage. I have been turned down several times for an FHA first time buyers home loan because of this. I bought a trailer from Vanderbilt on an installment contract. This was not a mortgage, it was an installment contract - no land was involved, nowhere on the contract does it say mortgage, I did n't sign a mortgage, there is no mortgage recorded in the public records and the trailer is on a rented lot in a trailer park with the wheels and axles still on it. I voluntarily surrendered the trailer in XX/XX/XXXX. Per my request, Vanderbilt sent me a Letter on dated XX/XX/XXXX stating this was not a mortgage foreclosure but it is still reporting on all 3 credit bureaus as a mortgage, preventing me from buying a house. I 'm not sure what to do. I have been paying for services from XXXX for about 6 months trying to get my credit score up and now it was all for nothing because I have been turned down by several lenders because of Vanderbilt and now those hard inquiries have dropped my score from a XXXX to a XXXX. Please let me know if you can get this account to report as an installment agreement instead of a mortgage. 

Thank you so much! 
XXXX XXXX
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bull City Financial Solutions, Inc (NC)

XXXX XXXX XXXX XXXX is reporting at least all three major credit agencies that I have two accounts XXXX XXXX with unpaid balances. The issue is that those accounts have been paid. The accounts were paid prior to my establishing new services with XXXX. In order to establish services with XXXX XXXX all unpaid balances must be paid. The last account I had with XXXX XXXX was at XXXX XXXX XXXX, XXXX, NC. I had the account at XXXX XXXX XXXX for over 2 years and I have attached a screen shot showing that the balance is {$0.00}. XXXX even returned a portion of my deposit that did not go toward the last bill. Plus XXXX XXXX XXXX XXXX is reporting that both of these accounts were open in XX/XX/XXXX. I had services on XXXX XXXX in XX/XX/XXXX - XX/XX/XXXX, and on XXXX in XX/XX/XXXX. Both of those accounts were paid.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX on X/X/17 sent me a letter from the District Manger Stating a {$0.00} balance on my account. 

There are other issues at hand showing late days of 180 days if you look at the dates by XXXX and the dates it makes no since and the Letter dated X/X/17 and its late when the account was closed out so how does the account run that many days late. 

My next issue XXXX XXXX was serve 3 letters to pick up the lease Furniture and did not answer after I call and sent certified mail to close out the account. I have all the Reg Mail from the post office in which they never replied back until I had to go to an attorney about the problem. 

There is no balance on this account I have the letter from the District Manager for XXXX XXXX  regarding the Situation and they have me listed at XXXX and And Experian as a Charge off balance in which there is no balance nor a charge off. The account is inactive as stated by the District Manager. 

I have tried several times to resolve the issue with them on the matter. 

There is no balance owed as stated by the XXXX or  Experian
Consumer complaint received 2017-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MI)

I opened a checking account with {$50.00} in XXXX and tried to setup direct deposit through my company 's payroll. For unexplained reasons, they were unable to establish a connection so direct deposit never started. 

I did n't use the account, but logged in today to try to resolve the issue. Instead, I see a {$0.00} balance and that the account 's been closed without any warning or communication. 

The {$0.00} balance is because they 've taken XXXX months of $ XXXX monthly service fees - again without any communication. So I 've lost {$50.00} without any warning or communication and nothing to show for it. And XXXX has forever lost me as a customer.
Consumer complaint received 2017-10-17
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. (FL)

I CHECKED MY CREDIT REPORT AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES, I HAVE NOT GAVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION. THE FRAUDULENT ACCOUNT IS XXXX XXXX XXXX XXXX XXXX AND THE FRAUDULENT INQUIRIES ARE ALL OF THEM. FRAUDULENT 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/XXXX, )
Consumer complaint received 2017-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (IL)

When I filed my taxes in XXXX, I received letter from IRS stating my refund was being redirected to PHEAA. I had never heard of this company before. 

I called them and told them I wanted proof of the debt. I called several times over a 2-3 month period and while I was continually promised they would mail to me what this was pertaining to, I never received anything. 

I called the IL state attorney and they attempted to contact them but also no response. They told me to try called the Department of Education.

I called the Department of Education who said they are showing no record of me ever having had a student loan. 

I do n't know what this is pertaining to or the amount which might be owed.
Consumer complaint received 2018-01-18
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. (NY)

XXXX card placed a hard Inquiry to Equifax without my knowledge or authorization on XXXX XXXX 2016. 

I have done everything XXXX has asked me to do as they have admitted they have no knowledge why I have an Inquiry.
Consumer complaint received 2020-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (SC)

For the past XXXX months, I have tried to resolve an accounting error with my mortgage lender, TMS ( The Money Source ), regarding my escrow account. They claim that my escrow count is in a grave shortage, but after accounting and reviewing statements, there is an error that they have refused to resolve. 

On XX/XX/2020 they erroneously made a payment to XXXX - XXXX for the amount of {$1000.00}. This amount was never returned to my escrow account. 

When they received my loan in XXXX, there was an initial Escrow amount of {$1500.00}. They dispersed a payment to XXXX, erroneously, and it has not returned to the account. The end of XXXX shows an amount of {$450.00}. They continue to claim that the amount was returned, but through all statements, in the past year, there is zero accounting for it. For reference, they said it was returned in the same month, but obviously, the final XXXX amount is significantly lower. I have called initially once a week, and am now calling them once a day in an attempt to resolve this. They ran fake escrow analysis that gave the same grave number, made me wait two weeks for it when it was supposed to take five business days due to their support error, and now they are saying the next one won't be complete until XX/XX/XXXX, one day after it would be a late payment for my mortgage. I also have no faith that they will magically resolve it then, too.
Consumer complaint received 2017-10-17
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Alliant Capital Management LLC (TX)

On XXXX/XXXX/XXXX, I was again contacted at my workplace and a message left on my home phone about a online payday loan from XXXX. In this call the person identified herself as XXXX XXXX and she was contacting me about a online payday loan from XXXX and if I did n't pay the loan my employer would be contacted, debt would be added to my credit reports and a judgment would be taken against me. I informed XXXX XXXX I have asked them before, a few years ago, not to contact me ever again about this online payday loan that I have no knowledge of. XXXX XXXX told me they would continue to contact me until I paid the loan. I have had no communication of any form regarding this debt in years. The telephone number left on message was XXXX, but number on called was XXXX. XXXX XXXX stated she was with XXXX XXXX XXXX, but online the company shows to be XXXX XXXX XXXX.
Consumer complaint received 2017-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (DC)

In XXXX 2015 I was prescribed XXXX XXXX by XXXX XXXX XXXX XXXX. They told me before my sessions that it was covered and I only owed a copay. A few months later I received a bill for the full cost of the 4 XXXX XXXX XXXX {$550.00}. I told them I did not owe that amount because insurance was supposed to cover it and I never heard from them again. The amount was then sent to I.C. SYSTEM INC for collections even though I disputed that I even owed them money in the first place. I contacted the collections agency and indicated the amount was in dispute. Now I have negative marks on my credit report. I do n't owe this money.