davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

I did a money gram transfer for {$500.00} from money gram .When the receiver went to pick the money ; they mentioned the money is not available.I called them and I gave the reference number and asked what is the purpose they hold the money.One the agent saying that she will transfer me to another department.They put me on hold for more than an hour. They never pick up the line.I want to get the money back.
Consumer complaint received 2024-11-16
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. (PA)

XXXX extremely frustrated to see unauthorized inquiries on my credit report this morning without any explanation. Ive checked my report as usual, and out of nowhere, there were discrepancies. Refreshing my browser didnt help, so this is not a glitch. Please review the documents Ive submitted thoroughly and resolve this immediately to put my mind at ease.
Consumer complaint received 2015-06-29
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc. (TX)

Reverse Mortgage Solutions, Inc. XXXX XXXX XXXX, 2015 I received this letter " Your failure to pay the property charges requires us to pay these expenses on your behalf. The total amount paid to date on your behalf, which you must repay is {$160.00}.
Consumer complaint received 2019-01-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

In the process of trying to refinance my mortgage in XX/XX/XXXX, I was reviewing the details of my current mortgage with DiTech which is a HAMP. On the 3rd page of my trial period paperwork ( I will attach ) it states that I will receive {$1000.00} each year for 5 years for a total of {$5000.00} that will be applied to my principal balance each year after the anniversary date of the first trial period payment due date ( 1st trial payment was XX/XX/XXXX ). That 5 years would be XX/XX/XXXX-XX/XX/XXXX.This was never applied to my loan. I have contacted DiTech multiple times and have received many different answers from my HAMP originated with XX/XX/XXXX XXXX XXXX so it could be different to they needed a form back that was returned too late. None of which is stated in my paperwork of a form needed or my HAMP changing if the servicer changed. The 1st call into DiTech was on XX/XX/XXXX and the rep was very helpful in answering my questions and he sent an email to the appropriate department he said. A follow up call on XX/XX/XXXX with different answers saying I was no longer eligible for the incentive and was told to email them to request an exception. I emailed them the same request on XX/XX/XXXX and received an automatic reply. I called DiTech on XX/XX/XXXX and was told customer service had an extremely high call volume and I got to talk to someone but it ws someone who was helping out customer service and could not really answer my question. She did not see the email in my file that I had sent on the XXXX even though I had received a reply that DiTech had received it. She requested that I print my email out and fax it to them. I called back again on XX/XX/XXXX and talked to another rep who thought they saw a {$1000.00} payment but then transferred me to another rep who seemed very helpful and filed a request to research my incentive and lack of payment for it, but have still not received resolution.
Consumer complaint received 2015-10-07
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CHECK INTO CASH INC. (LA)

Representatives from XXXX ( XXXX ) googled me ( I 'm assuming ) and contacted my dad 's wife and left a voicemail that had my last XXXX of my social and a threat that if I did n't call them back they would show up at my job. There was no way they could 've known she was affiliated with me and there 's NO reason to leave my name and the last XXXX of my social on a voicemail of someone who could 've been a complete stranger and done something with that information.
Consumer complaint received 2019-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I perched my home on XX/XX/XXXX with a second mortgage at approximately {$60000.00} at time of funding. I've incurred late charges over the years but haven't had an extended period of nonpayment. On XX/XX/XXXX, Wells Fargo ( WF ) assumed my loan with a reported balance of {$57000.00}. I disagree with the balance due as it implies that the paid down of the loan over a 12 years totals {$3100.00}. For this reason, I've requested a payment history from WF to address the accuracy of the reported balance. There are several other loan issues that I've tried to address with WF on numerous occasions but I've been unsuccessful. Following numerous request for a history of payments, WF provided a " Customer Account Activity Statement, dated XX/XX/XXXX, which notes account activity from XX/XX/XXXX to XX/XX/XXXX - an 8 year period. See attached Activity Sheets. The information provided is incomplete but clearly notes that Escrow and other fees were applied to my account on a regularly. To prevent further charges for insurance to my account by WF, I had my insurance provider, XXXX, provided WF copies of my insurance policies on XX/XX/XXXX confirming coverage from XX/XX/XXXX to XX/XX/XXXX. Copy enclosed. On XX/XX/XXXX, WF acknowledged my insurance coverage yet indicated their intent to purchase insurance on my behalf from the escrow account. There was no indication by WF for reimbursement of escrow fees and related charges. Shortly thereafter, I was issued a check in the amount of {$1500.00} for escrow overages. The date for this reimbursement was not identified. Despite proof of insurance coverage thru XX/XX/XXXX, WF continues to charge insurance to my account. See attached bank letter. Another concern is a fee in the amount of {$400.00} the day WF assumed my account on XX/XX/XXXX. The reason for the charge was not provided. The charge appears suspicious as it is highly questionable that WF was able to complete a comprehensive Financial Analysis of my account within the first 24 hours of assuming my loan to justify the charge. I became aware of the {$400.00} charge 7 years later when reviewing the Customer Account Activity Report dated XX/XX/XXXX. I was never given the opportunity to address or resolve this issue. It is unclear if the {$400.00} imposed to my account has resulted in accrued interest and applied to the principle. Without a complete history of my payments and fees applied to my account, I refuse to blindly accept WF 's reported balance. With a never ending increase of charges to my account, I am in need of your assistance. Therefore, I am formally requesting a detailed payment history from WF and all related charges to my account so that I can pursue an independent and comprehensive assessment of my account either by an independent Financial Consultant or Government entity. I am overwhelmed by the financial issues imposed onto my account and do not believe that I have been treated fairly and honestly by Wells Fargo.
Consumer complaint received 2019-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (UT)

Caine & Weiner CO is attempting to collect on a debt that is not mine, for XXXX XXXX. I have never had XXXX XXXX. I have never received any notices from either of them. I noticed this collection on my credit file. Caine & Weiner is in violation of my 30 day right to dispute, as I have never received any notices.
Consumer complaint received 2019-01-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation (CO)

I am a XXXX Veteran and applied for a VA Home purchase loan. I have been trying to purchase this home for two years and have had problems with the seller. My son used to live at the property but I wanted to buy it as my primary residence. With help from the courts we were able to get a court action stating that I could purchase the property. I submitted all the required paperwork to Home Point Financial Corp and was approved for the VA loan. I completed the VA appraisal, the Termite Inspection and the Survey. I was suppose to close on XX/XX/2019 but was informed by my loan officer on XX/XX/2019 that Home Point Financial had denied the loan stating that they did not feel I was going to occupy the home as my primary residence and that I would not be able to maintain the up keep on the property. They came to this conclusion due to a letter that was sent to them from the seller of the property containing inaccurate information. At no time did they contact me to discuss this situation. The requested more documents from my loan officer, which were provided immediately. I do not feel that a lender should be allowed to deny a loan due to speculation and that they feel a XXXX veteran can not maintain the property. I have attached the letter from the Underwriter.
Consumer complaint received 2019-01-25
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: WELLS FARGO & COMPANY (NE)

Divorce decree assigned two accounts to my exwife. She then filled bankruptcy. I have tried to get them to get these off my cedit report for years. They finally closed the accounts 2 months ago, this is from clear back in 2011. Now they will not take these two accounts off my credit record and are still reporting as a charge-off on my report. 
I have tried in good faith and have sent them the documentation to prove this!
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (TX)

I sent a letter to all 3 credit bureaus asking to have the information verified that is being reported on my behalf. All I received back was a letter stating that the information has been verified with no proof. I received a letter in the mail from American Credit Acceptance showing the date of my contract, which shows XX/XX/2017, but the credit reporting on my behalf shows that the account was opened on XX/XX/2017 which is incorrect. The balance due/surplus after sale is {$3600.00} however the reported balance on my credit report shows that the balance is {$5500.00}. This inaccurate information is a defamation of my character and I am extremely concerned with the handling of my information.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

XXXX/XXXX  XXXX  listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
Consumer complaint received 2019-01-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX listed multiple 30 and 60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and XXXX. Please remove the 30/60 day late  payments from my credit reports.
Consumer complaint received 2019-01-17
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: Santander Consumer USA Holdings Inc. (CA)

I have a car loan with Santander they are attempting to report me as 22 days late despite making a large XXXX payment they claim because I did not pay last month my XXXX payment I am past due but I have made a very large payment with immediate monthly payments and have decided until they fix this reporting I am not going to send a payment until the XXXX XXXX payment is used up towards vehicle
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NC)

Currently on my XXXX XXXX credit card I owe XXXX dollars. As of XX/XX/2018 states I owe XXXX and some change. How can I make an XXXX dollar payment in one month? This information is incorrect. I owe less than what they are saying.
Consumer complaint received 2019-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WI)

In XX/XX/XXXX I received a letter stating that I would have to recertify my income for an income based repayment plan. The letter stated that I would receive another letter in 2 months with instructions on how to do this.

Cut to XX/XX/XXXX my bank notified me of a payment taken from my account of approximately 8 times my previous payment. I checked online and saw that my IBR had been cancelled and approximately 16,000 in interest had been capitalized.

I called for an explanation. The first representative told my that my recertification had been denied. He sent me to another representative who told me that I never recertified. She said they could fix the payment amount after a few months but that there was nothing that would be done about the interest capitalization.
Consumer complaint received 2019-01-25
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 XXXX listed multiple 30 day late payments on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, XXXX, and Transunion. Please remove the 30 day late payments from my credit reports.
Consumer complaint received 2019-01-17
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: EQUIFAX, INC. (FL)

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : 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   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA,  that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Consumer complaint received 2019-01-28
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: General Motors Financial Company, Inc. (CA)

XXXX  has been non-compliant with removing the unverified account GMFNANCIAL Opened Date XX/XX/2015 which has been deleted by XXXX  and XXXX. XXXX and XXXX   have both completed their research and determined that GMFNANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-01-26
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: Experian Information Solutions Inc. (MD)

Hello! 
My name is XXXX XXXX XXXX and I used to live at this address shown here XXXX XXXX XXXX XXXX XXXX XXXX, M.D XXXX from XX/XX/XXXX - XX/XX/XXXX, finally I decide to move out after 20 long years my new XXXX address since XX/XX/XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. 
I have already try so many time to change or delete the old and wrong information from XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX today saturday, XX/XX/XXXX. I'm keeping trying to continue to do it without getting positive results ... 
I have nothing to do with Health care products ..I don't have or never had any physique health problem at all, never been under any Dr prescription..just my dentist long time ago and I only got XXXX Reason : this wrong information from my old address is really lock me out to all opportunity in odren to get a better or fix my score from all credit agencies report, is completely harmful. unfavorable, negative, beside is not true at all .apparently someone use my old address without my consent. 
Thank you so much and look forward to see if you can fix this mess Ms XXXX, XXXX   XXXX -- -- -> this is what they said and showing in my experian credit report agencies ... ... ... 
*the This address may be perceived as a high risk because it has pertained to a business, or was used as a mail drop or a delivery service : XXXX XXXX XXXX XXXX MD XXXX. 
HEALTH CARE PRODUCTS : XXXX XXXX XXXX XXXX XXXX, MD, XXXX.
Consumer complaint received 2019-01-31
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. (NH)

National Credit Cards/Airlines Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I have never done business with these companies. I believe these errors.
Consumer complaint received 2019-01-25
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. (CA)

XXXX XXXX XXXX listed multiple 30/60/90/120/150 day late payment on my credit report from XX/XX/2015 to XX/XX/2015. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
Consumer complaint received 2019-01-17
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

On or before XX/XX/XXXX, XXXX XXXX sent letters stating that I didn't have homeowner and flood insurance. I then received a letter that the property taxes were paid by XXXX XXXX on XX/XX/XXXX. I contacted XXXX and explained that the property taxes were not due until XX/XX/XXXX. I faxed them proof of the homeowner and flood insurance on XX/XX/XXXX. I then faxed the Hazard Insurance on XX/XX/XXXX and also proof of property taxes paid XX/XX/XXXX. I then received foreclosure documents on XX/XX/XXXX which then I filed a Motion for extension on XX/XX/XXXX to seek legal counsel. I hired an attorney XX/XX/XXXX which I had to give a retainer to. The motion for the foreclosure was dismissed on XX/XX/XXXX but I didn't become aware of it until XX/XX/XXXX. This was an error on behalf of XXXX XXXX due to the property, hazard and flood insurance were in effect and paid in full as agreed under our contract.
Consumer complaint received 2019-01-31
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. (NH)

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I have never done business with these companies. I believe these errors.
Consumer complaint received 2019-01-28
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. (VA)

XXXX sent final bill to incorrect address. Is report XXXX on my report XXXX XXXX formally XXXX XXXX switched companies did not provide me with any new contact information or payment instructions ... reporting my payments late XXXX XXXX XXXX XXXX changed credit cards from visa to MasterCard mailed my card to a old address I used bill pay to make payment with old card number not aware of a change and my cc charged off I found out when collectors called. XXXX All of the companies above are refusing to own up to communication errors and fix my report
Consumer complaint received 2019-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (OH)

To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : DEBT RECOVERY SOLUTIONS Balance {$750.00}, {$510.00}. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.