davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (HI)

Specialized Loan Servicing, XXXX # XXXX. 
Notice of Default Mailed or Generated on XX/XX/2023 and sent to me via Certified Mail.

Letter stipulate I have 33 days from date of letter to cure my default balance. 
However, I signed for the certified delivery on XX/XX/2023 at XXXX. 
The 33 days include 9 DAYS IN TRANSIT. I want to have the time extended to cure the default. ( I will have the funds by the XXXX XXXX XXXX XXXX to pay my account current ) I should be given 33 days to cure from the date of receipt of the Notice of Default. 
I contacted customer service and was advised the 33 days starts from the date of the notice and NOT when received. I advised I wanted to extend the due date to the XXXX XXXX XXXX XXXX  and the representative stated she would document my file but the date of XX/XX/2023 is my final date to cure the default payments. She could not state whine the next step of the Foreclosure would take place.
Consumer complaint received 2022-12-20
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-03-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I applied for a loan modification on an adjustable rate mortgage in XX/XX/XXXX due to getting injured on my job and having a curtailment of income. I 've been compliant to the all of the request made by SPS and I 've received seven letters stating that all of the documents have been received and are perfected and that SPS will send the file to an underwriter for review. The underwriters are n't reviewing the documents that are being sent and requesting the same documents again. On XX/XX/XXXX SPS requested clarification on paycheck stubs to determine if I get paid every two weeks or twice a month ( Hence, 24x a year or 26x a year ). A letter explaining that the pay period is every two weeks was sent on XX/XX/XXXX. Upon calling SPS on XX/XX/XXXX, I was told that they received clarification and all the documents were in to continue the review. On XX/XX/XXXX I called SPS for a status update and they informed me that they needed a letter regarding clarification of the frequency of pay. I advised that I already sent that letter and they told me that they just wanted a verbal explanation. I verbally told them that the frequency of pay was every 2 weeks. On XX/XX/XXXX, I called SPS and they explained that all docs are in and nothing else is needed to continue the review. On XX/XX/XXXX I called SPS for a status update and they advised they needed clarification of the frequency of paystubs. I explained to them that we already verbally told them and wrote a letter. SPS said " O.K. '' and continued the review. On XX/XX/XXXX, they advised me that they just received internal clarification on XXXX that the frequency of paystubs is every 2 weeks. However, they needed more bank statements to verify the frequency of pay. This tactic has been going on since the inception of the loan modification process began. The single point of contact XXXX XXXX never answers or calls me back and I speak to different reps every time I call in that ask for the same documents that we sent in and verified that SPS received them. SPS single point of contact and underwriting team are not reviewing the documents that we send in.
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Lenox Financial Mortgage Corporation (CA)

This is a technical issue regarding listed borrowers on a XXXX Mortgage interest statement ... ... I 'm aware and comfortable that only one designated ( listed as primary ) borrowers tax id number can be listed on this statement My issue is with Lennox Financial Mortgage Corporation saying they are not allowed to list multiple borrowers under the Payer's/Borrower '' s name ... ..I have previous and current years examples of other lenders listing multiple names on this form
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  : It also states 15 U.S.C. 1681 Section 602 A. States that 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 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Nothing out of the ordinary ary has happened with any of my credit cards, loans or finances. Yet my score decreased by XXXX points this reporting period. When speaking with Trans union representative on XX/XX/2024 I was told to review my report. I have done this and told the Trans Union representative that I had re viewed my report. I can not and could not find any reason for any significant credit score decrease. The Trans Union Representative also told me to contact my financial institution as they were responsible for my credit score. Upon speaking with my financial institution I was told they had nothing to do with my credit score. And so I am frustrated by this credit reporting bureau not providing any answers.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not engaged in any financial activities with those creditors recently, nor have I initiated any credit applications or transactions that would necessitate such an inquiry. As a vigilant consumer, I regularly monitor my credit report and am committed to maintaining its accuracy.
Consumer complaint received 2022-12-20
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: Onity Group Inc. (GA)

HIS IS NOT A DUPLICATE COMPLIANT but resubmission, PLEASE SEND TOTAL AMOUNT PAID BY THE US BRC OF NORTH GA. PREVIOUS BANKRUPTCY CASE XXXX HOME ADDRESS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX WE ARE AWARE OF THE XXXX XXXX  TRUSTEE, WHOM YOUR FRIM CLOSELY WORKS WITH DUE TO YOUR CLOSE RELATIONSHIPS. HE DID RECEIVE PAYMENTS FROM XXXX XXXX FOR THE PURPOSE OF SECURING YOUR FIRM TO ATTEMPT TO STEAL THE PROPERTY FOR THE PURPOSE OF COVERING UP THE EXCESSIVE FRAUDLENT LOANS. THIS HOUSE DID NOT RECEIVE A LOAN, WE WERE NOTIFIED BY A FEDERAL AUTHORITY REGARD ID THEFT AND FRAUD. PLEASE PROVIDE THE CORRECT AMOUNT IN ORDER TO CROSS REFERENCE THE AMOUNT PROVIDED TO US VIA PHONE. THERE IS NO BALANCE ON THIS HOME AND OUR MONEY WAS STOLEN, NO DOCUMENTS SIGNED, AS STATED, SUPPORTED DOCUMENTATION CAME FROM YOUR MORTGAGE COMPANY, YOUR CLIENT HAS ENGAGED IN EXCESSIVE CRIMINAL ACTIVITY AND APPEARS TO SERVE AS AN ACCESSORY TO MORTGAGE FRAUD, TITLE AND DEED THEFT, WHICH WAS ALL FRAUDULENT, FROM ORIGINATION ( FRAUD ). WE KNOW HOW MUCH MONEY WAS DISPERSED AMOUNT MANY OF YOU! O/T TRY TO MANIPULATE THE NUMBERS AS THE INFOMRATION IS FROM YOUR CLIENT! THESE ARE JUST A FEW CRIMINAL ACTIVITIES YOUR COMPANY HAS ENGAGED IN. LASTLY, WE CAN CARE LESS REGARDING YOUR XXXX XXXX XXXX XXXX XXXX OCWEN, PHH OR WHOEVER, WE DO EXPECT OUR REQUEST TO BE COMPLETED IMMEDIATELY AS WE CONTINOUSLY STATE WE ARE HOLDING THE TRUTH IN SEVERAL PLACES, NO RETAILIATION WILL BE TOLERATED. REMEMBER, YOUR CLIENT TRIED THAT APPROACH, BUT GOD DID NOT LET IT TAKE PLACE! 

addendum, to the resubmission XXXX. ATTACHED MERS REPORTS ATTACHED TO OWN NAMES AS IF WE OWNED ALL OF THE LISTED PROPERTIES. IN ADDITION, THESE ARE SUBSIDARIES OF XXXX? 


XXXX, WHO'S MORTGAGE IS THIS. FOUND ADDITIONAL INFORMATION A XXXX, XXXX WAS THE OWBER OF L AND B HOMEBUILDER JUST RECENTLY DIED AND BURIED NEAR THIS HOME????, OMG! NOT COINCIDENCE! 
ATTACHED HOMETRY REPORT AND OBTIUARY/
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX has illegally reported a total count of four late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Via Fax XXXX Re : Claim Number : XXXX Account ending in : XXXX Amount : {$2100.00} To whom it may concern : On XX/XX/XXXX, my account was fraudulently hacked via a funds transfer in the amount of - {$2500.00}. I filed a claim, and on XX/XX/XXXX Bank of America issued an adjustment credit in the amount of XXXX. I was issued a new card, never used the card, and on XX/XX/XXXX my account was again fraudulently hacked via a funds transfer in the amount of - {$2100.00}. 

On XX/XX/XXXX, I subsequently received a Notice of Data Breach from XXXX XXXX of which I previously used the card ending in XXXX, stating that this event may impact the security of certain customer information ( See attached ). 

As a result, I filed several claims to have an adjustment credit and its been seven months and I am still waiting for my credit for XXXX. 

Please issue my credit at your earliest convenience. Thanks, I appreciate it Very truly yours, XXXX XXXX : XXXX XXXX, XXXX Bank of America XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Enclosures XXXX XXXX Notice XXXX XXXX XXXX
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have a a XXXX interest only loan with NationStar. After 10 years the loan converts to a 15 year amortized loan. There are two years left in the interest only period. There are no prepayment penalties. 
I now have funds to pay down the principal by XXXX. I called NationStar and they said I could do that but simply needed to submit a recast request. I did so and received a written reply that a recast was not " available ''. When asked on the phone why not, the agent was unable to answer and unwilling to transfer me to someone who could.
Consumer complaint received 2022-11-20
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. (IL)

I tried to apply for a car they told me i had 20 hard 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I made an electronic payment to my credit card account of XXXX dollars on XX/XX/2022 using the same information that I have been using for literally years. The payment was never posted to my account. 
When I inquired Comenity bank I was told the payment was made to an old/outdated account number. Apparently, my c/c account was taken over a few years prior and I was issued a new account number that I was not aware of. 
I was making payments to an account number that was originally issued to me and when the bank took over my account and my account number changed their system was still " able to find me '' using my original account number. It was only after their systems updated when I made the payment as usual and the system " did not find me ''. So the payment is " lost ''. They did a system overhaul beginning XX/XX/2022 that is what caused all these problems. 
On XXXX 2022 I called in and gave the customer service rep all the information they needed to find the electronic payment. I was told it can take up to 60 days to resolve and it was a simple issue of " finding '' the payment. I was told it happens all the time and I will be contacted when this issue gets resolved. I was never contacted by the " dispute department '' or there is no way to contact them directly. 
On XX/XX/XXXX, I made yet another follow up call to get the status of my claim. I was then told I needed to submit the missing/lost payment information in a document from the bank. I did that and then they started the claim all over again. Like new claim. 
To make a long story short, it is now 5 months later with no end in sight. 
I was also told, in writing, that I did not need to make any payments for the amount in dispute or I would not be charged interest. Both of those statements are false. I have been charged interest and received emails demanding payment for the balance in question. 
I was told in confidence from a customer service rep that their are so many disputes because of their system overhaul in XXXX, that they are overwhelmed and under staffed and can not keep up with all the complaints. 
It is now over 5 months since I opened the original " dispute ''. I have been countless phone calls and numerous email messages to these people. At least XXXX phone calls and at least XXXX emails. I have yet to be contacted by the dispute department other than a standard cover letter explaining the procedure. There is no claim or reference number to this dispute. I was told they use my phone number/ c/c number for their reference. 
I am so frustrated with the lack of progress or communication from these people. I feel like a victim of some type of scheme. I would have never expected this king of issue from a large financial institution. 
Can someone please help me? Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TN)

Im XX/XX/XXXX {$2000.00} was taken out of my Wells Fargo checking account in XXXX, Florida without my consent. I live In Tennessee. My withdrawal limit I found out is only {$1100.00}. I asked them about it and they said it may have changed. How can it change without my approval. They refuse to give me back my money that was illegally taken from my account using a fraud card at their atm. They claim the chip cant be cloned. I filed police report as well. I never been to XXXX and after I told them to look at my transactions that it would show I never left Tennessee. They wont give me any answers and just kept saying there indicators show it wasnt fraud and I cant appeal and thats it. Im XXXX  out of {$2000.00} because there shady intentions and wont refund a fraud transaction.
Consumer complaint received 2023-03-31
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. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 'm looking forward to the deletion of the following items in my file ASAP. Thank you. 
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
Consumer complaint received 2022-12-20
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. (KY)

XXXX XXXX is the XXXX collection agency XXXXXX/XX/XXXXXXXX XXXX has used to get me to pay {$180.00} in which I paid in full on XX/XX/2020. The previous XXXX collection agencies accepted my proof of payment and closed out the account. When XXXX XXXX sent me their request they sent a bogus address to me to return my information verifying I indeed had paid the amount in question. I paid {$4.00} to send my information certified mail so that not only could I be alerted that they had received it but also keep track of it traveling through the mail system. When I saw that it had been stalled in the mail system and was sent back to me I called and told a supervisor who's name is XXXX of what had happened in which she replied the address they sent out was from a previous address the company had used. I told her I shouldn't have to pay once again to mail my proof since it was her companies error in sending an address that wasn't valid but I would once again send it to them if she would send me a postage paid envelope with the correct address on it. She said she would send another corrected address envelope but couldn't guarantee it would be postage paid. I never did receive another envelope or hear from them until it showed up on my TransUnion credit report. And before ending our phone conversation I did verbally provide her the information to my bank and verification number of the transaction showing that XXXX XXXX XX/XX/XXXXXXXX XXXX did indeed receive that payment.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2023-05-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (OR)

I had a vehicle loan with Wells Fargo for a used truck. The truck was improperly repossessed in 2019, even though I had made payments regularly, never missed a payment, was not late on a payment, etc. I even continued to make payments on the vehicle after it was repossessed, on advice of Wells Fargo. I was told in writing that I could regain possession of the vehicle by paying for the repossession fee and continuing to make regular payments. In other words, there was no reason ever provided to me for the repossession except to say that " defaults occurred under the Contract/Security Agreement. No explanation was ever provided as to the nature of any default ( s ). I pursued this for many months with the company, but eventually gave up.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is a formal complaint that you are reporting inaccurate and incomplete information on my Credit Report and I'd like to dispute this incurrate information. ther credit bureaus like XXXX and XXXX has already corrected the inaccuracy of the account and I am wondering why are you still reflecting the late payment in your record? I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please update this account : XXXX XXXX XXXX XXXX