davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX XXXX was in foreclosure with a high 10 percent interest on her XXXX mortgage. There was no sale date on the home XX/XX/2015. No one from her servicer contacted her with regards to seeking assistance with the loan to retain the property. XXXX XXXX sent in a modification over two weeks before her sale date which was plenty of time for a review to start per SLS employees. On XX/XX/2015 the single point of contact XXXX XXXX stated that she has the modification package and reviewed the information while on the phone. ( Calls are recorded, this conversation took place. ) XXXX stated the file is being reviewed. She stated that the contributor section needed to be filled out completely on the RMA form. On XX/XX/2015 XXXX said there was no new update on the account. On XX/XX/2015 Supervisor XXXX ID XXXX came to the phone. Not only was XXXX rude, she had bad customer service. XXXX stated that per federal law and according to the consumer financial protection bureau, they were not reviewing the file for assistance. We asked if the calls are being recorded and she said yes. She again stated that they will not review the file for assistance because the sale date is less than 37 days from the date they received the request, therefore they will not review the file nor postpone the sale date. This complaint is with regards to how SLS is conducting business. Supervisor XXXX ID XXXX and underwriting are quoting XXXX " guidelines. '' However, per the foreclosure attorney/trustee The Mortgage Law Firm employee XXXX XXXX, they were authorized to move forward with the sale on XX/XX/2015, which is less than 37 days ' time to even get the package in. California has different guidelines in general. And in this case, SLS is in clear violation of these laws and is misinterpreting " Federal Law. '' It is apparent that SLS is not only in clear violation pertaining to federal guidelines, but they are discriminating against XXXX XXXX based on her age, sex, marital status, race. There are numerous reason why SLS behavior Is unacceptable. The number of times that SLS was contacted regarding status of the file should extinguish any opportunity to excuse SLS 's behavior. Rude employees only validate the issue of discrimination. There is no tangible reason for SLS to have treated the homeowner and file in this manner. SLS is refusing to consider XXXX XXXX request for assistance negating any opportunity for her to save her home. The events described above are just a sample of the practices that are taking place at SLS. SLS appears to be more interested in foreclosing on the home and selling it at auction to make a profit. It appears that SLS lack of participation in a meaningful modification review of the file indicates a preference to profit directly from XXXX XXXX 's hardship. At this time we are demanding that SLS provide XXXX XXXX with a work out solution or she will assert her legal rights and name both SLS and The Mortgage Law Firm as defendants in a civil complaint.
Consumer complaint received 2021-12-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST (TX)

On or about XX/XX/XXXX, we applied for an RV loan thru Essex Credit which is a division of Bank of the West. This same month, we submitted all paperwork necessary to secure the loan. There has been excessive lack of communication from Essex which prolonged the loan process, such as no address provided for submitting down payment, safety inspection, title etc. Miscommunication between Essex and previous bank regarding the RV title. Finally mid XXXX we were granted access to pick up the RV and take home. Payments to the RV loan started XX/XX/XXXX and we have continued to pay monthly. Included in the down payment were taxes, Title fees and license fees. 
Multiple calls have been made to Essex about the status of the title transaction since XX/XX/XXXX. We have continuously been told the process was in progress and within 30 days we should hear something. Various times, we have made contact w/ supervisors about the title status, they mentioned that they would escalate to the proper person and they would return the call. We have only received one call from Essex XXXXand that was to inform us that we were approved for the loan. We have never received a returned call by phone or email when there was mention of getting back to us. 
On XX/XX/XXXX, I sent a complaint letter in writing to the CEO of Bank of the West in XXXX XXXX, 10 days later we receive a letter informing us they are sorry and will be in contact, Again, no contact by phone or email. 
On XX/XX/XXXX escalation supervisor filed a full complaint of all events which was to lead to a full research and provided a complaint number/chart number and were told we would received a call of the status, as of this date, no response yet. 
More phone calls have been made to Essex and still no progress on the title. According to Essex, the RV title is to go to Bank of the West and from there to Tx XXXX. The title is still in the hands of Essex. 
XX/XX/XXXX, 2nd written letter sent to Bank of the West CEO, again a response by letter was received saying they are sorry and will be looking into it. No response. 
XX/XX/XXXX, phone call to customer service as usual, we were told the title was sent to Bank of the West on XX/XX/XXXX and once they receive the title, B of W will send to Tx XXXX for processing. 
XX/XX/XXXX, phone call to follow up on title progress w/ Essex XXXX Spoke w/ supervisor because now we are told that there is a late fee and because of this there is a delay. Again, now according to supervisor, it will be escalated to titling for follow up. 
According to our records and statements, we have not been notified of any late fees through billing, phone call or email. We asked reason for late fees and we were told because we have been out for 2 months, which is not true. 
We have been communicating with Essex thru either email and phone calls since XXXX XXXX and still no sign of progress with the title situation. 
Please help.
Consumer complaint received 2021-12-11
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. (CA)

I have so many hard inquiries for auto loans/loans/credit cards that I personally never did. Therefore XXXX % of the hard inquiries on my credit report are fraudulent or inaccurate
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-16
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. (NC)

THE XXXX XXXX XXXX Last reported XX/XX/2022 {$840.00} Open balance XXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/2022 ( XXXX mos ) Account status Open Type Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX
Consumer complaint received 2021-12-11
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. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX  XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF ) XXXX Balance : {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

New York  and company never sent me a bill. I know I had to make the payment I called and made the payment. The following month they said I was late. Technically I was late I made the payment before time so they applied 2 payment for the same month. When I tried to clear it with them they said they cant do anything about it. They closed the account I dont owe then and they still havent removed the late fee. This causing a problem on my credit report. I need to purchase my first home the American dream and I cant do that because of a {$25.00} dollar payment they considered late that technically was not late.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

While I sought relief under Chapter XXXX Bankruptcy filed in XX/XX/ and Discharged in XXXX. The obligation with XXXX survives the discharge and since they reported prior to the BAnkruptcy, Bankruptcy code says they must report after the discharge since I am liable and paying this obligation. Mortgagees are treated differently and as secured loans iunder Chapter XXXX and continued to be paid outside the repayment plan. 

Mortgages arent discharged In Chapter XXXX, your liability on your mortgage is an exception to the discharge. 

The mortgage loan is not discharged as a personal obligation. 

And therefore, there is no legal bar to the servicer reporting your payments, and every danger should they not report. 

Heres the part of the Bankruptcy Code that excludes long term debt like your mortgage.

Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due ; So, among the debts excepted from the Chapter XXXX discharge is a secured claim with a payment schedule that extends beyond the life of the Chapter XXXX plan. 

Servicers obligation to report Put simply, if a creditor reported to credit reporting agencies before the bankruptcy was filed, then there is an obligation to report after the bankruptcy.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I have a mortgage for a property in Florida with Lakeview Loan Servicing. When I first acquired the mortgage I was forced to take private mortgage insurance ( PMI ), but the property has appreciated in value exponentially and it now meets well in excess the 75 % property-to-loan value. This company is sending me letters asking me to refinance with them stating the property value has gone through the roof. Meanwhile, when I call them to remove the PMI from my payment, they refuse telling me the property is valued at a much lesser amount than what they state in the letters they send me. Their premise is that, basically, the house has not increased in value since I purchased it 5 years ago, as if they did not know what currently is going on with the Real Estate market throughout the nation.
Consumer complaint received 2022-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I'm client from BB & T for more 10 years. I was on forebance plan for 12 months. But before the 12 months expires ( around 4 months early I received a letter from loan modification about to refinance my existing loan ) I called the bank and told I'm under forebance program. They told me : That letter was a mistake, You suppose to not receive that kind the letter, that department didn't have a accurate information about your loan. They told me throw the letter away. They will send me a new package ( payment deferral agreement ) and need to signed and get back to them. So I did. 
And they told me to keep doing my payments. So I did, too. 
But last week a received a other letter from Truist Bank, saying You mortgage account is in default .Loss mitigation is going to start foreclosure process. I call them again, phone call took almost 2 hours. My wife and I found a big problem inside Truist Bank and Truist Branch. They have a bad communication between different departments. I have my receipts ( mortgage payment ) from the last 6 months ( around XX/XX/XXXX through XX/XX/XXXX ). I did mortgage payments on the Branch, BUT the Branch never applied the payments to the mortgage. For loss mitigation department looks I didn't make any payments. 
But they told me the bank have the money on HOLD. There was a mistake between mortgage department and Branch. Mortgage department blame that Branch. The Branch blame mortgage department. But the end the client pay all the mistake. 
Now I got the letter from them saying You didn't make the payments. 
Start the foreclosure process. 
And the end of phone call nobody solve my problem and told me they will TRY to fix their mistakes. 
Right now I'm frustrated with all this situation.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

While I sought relief under XXXX  XXXX Bankruptcy filed inXX/XX/XXXX and XX/XX/XXXXin XXXX. The obligation with XXXX survives the discharge and since they reported prior to the BAnkruptcy, Bankruptcy code says they must report after the discharge since I am liable and paying this obligation. Mortgagees are treated differently and as secured loans iunder Chapter XXXX and continued to be paid outside the repayment plan. 

Mortgages arent discharged In Chapter XXXX, your liability on your mortgage is an exception to the discharge. 

The mortgage loan is not discharged as a personal obligation. 

And therefore, there is no legal bar to the servicer reporting your payments, and every danger should they not report. 

Heres the part of the Bankruptcy Code that excludes long term debt like your mortgage. 

Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due ; So, among the debts excepted from the Chapter XXXX discharge is a secured claim with a payment schedule that extends beyond the life of the Chapter XXXX plan. 

Servicers obligation to report Put simply, if a creditor reported to credit reporting agencies before the bankruptcy was filed, then there is an obligation to report after the bankruptcy.
Consumer complaint received 2020-11-09
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: National Credit Systems,Inc. (CA)

On XXXX XXXX,2020 I spoke with XXXX XXXX and he was EXTREMELY RUDE and unprofessional. He would not let speak he kept interrupting me and not letting me answer his questions. When I asked to speak to a supervisor he hung up on me. I do not understand why he was so rude and unprofessional. I was only trying to get some issues resolve and he wasnt letting that happen.
Consumer complaint received 2021-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (IL)

i went to make a phone payment to a company. after i initiated this payment, i got a text msg telling me the payment was not accepted. it was declined. i immediately contacted the company i was making the payment to. and told them since i received notice that payment did not go thru, i made alternate plans to pay, outside of the bank i was using, wells fargo. 

later that evening, the next day, wells fargo was no longer declining this and pulled the {$450.00}. i nor the company re-initiated a payment request. 

when i told wells fargo this is their own error, as i only did the right thing contacting the company, telling them it was declined, made other arrangements, etc., thats done. i can not go back. thats over. 

unfortunately it was not over for wells fargo, they sent payment now telling me to dispute unauthorized transactions, and this is being treated and denied, as if there is some fault of my own, it is not. wells fargo was not to send this payment after telling me they declined it. now they wont give it back and me and the company are good, weve settled the payment. wells fargo needs to give me my money back.
Consumer complaint received 2021-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying for many months to get Transunion to provide full validation, method of verification and the co right to collect on this account in question XXXX XXXX XXXX  Account number XXXX. I am asking again for these answers as my rights have been violated under FCRA and fair credit and billing act.
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I have been with this mortgage company for 20 years the last year has been a real challenge due to covid and my XXXX XXXX I fell behind and has not payed for 1 year.I requested a modification and sent them all the required documents. I`m now able to handle the payment and sent them letter from XXXX XXXX XXXX XXXX XXXX XXXX which stated XXXX annual salary. Additionally I sent my social security statements from me and my wife which is {$2800.00} per month. My son XXXX XXXX has moved in to our house and I sent his W-2 which is {$160000.00} and will be contributing. I was denied a modification due to XXXX  score, and they claimed I had one in the past. True a trial modification was offered and I payed all trial payments. I was sent a modification and I freturned it to late. Rather than going in forclosure and then bankrupcy ( the easy way would for them to give me a realisic modification. My mortgage is XXXX underwater.The name of the mortgage company is SPECIALIZED LOAN SERVICING
Consumer complaint received 2021-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (GA)

Gemini ( a crypto application provided by Gemini Trust Co, LLC ) was down for almost 24 hours on XX/XX/2021 and provided little or no information to its customers. This financial institution has no way of being reached by phone and only provides email support. While financial institution outages are common, the duration of this one without the requisite communicaitons was inexcusable. They boast about their SOC 1 and SOC 2 compliance but arent fulfilling their promise to their customers. 

There were no media reports of this outage, little credible information on their website ( since it was down ) and at times I felt my assets in their safekeeping were at risk. All they could muster is a jibberish email response from their CEO signed onward and upward, XXXX.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

( i ) Home refinance loan applied on XX/XX/2020. 
( ii ) Citibank requested {$1000.00} up front fees on XX/XX/2020. 
( iii ) Borrower paid fees on XX/XX/2020. 
( iv ) Citibak delayed process, loan not provided, borrower forced to withdrawal application. 
( v ) Borrower on XX/XX/2020 asked for the refund of the {$1000.00} fee ; ( vi ) Borrower application expenses totaled {$2200.00}.
Consumer complaint received 2018-05-08
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. (DE)

I have submitted 2 disputes to all 3 credit bureaus regarding unauthorized inquiries on my credit my credit XX/XX/XXXX and XX/XX/XXXX but has been unsuccessful. The inquiries are all dated XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I did not authorize my credit to be ran on either of these days by any of the companies being shown.
Consumer complaint received 2021-12-11
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. (MD)

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.