davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

We are trying to work with the lender on a short sale after the bank refused to modify. we disputed the value of the property due to them not accepting an offer for less than the full amount. The assigned processor XXXX XXXX has been non-communicative throughout the process, not returning phone calls or emails, regarding the process moving forward. Once the new value was determined, we never received a counter offer or communication on the next steps. My real estate consultant sought out a buyer with a higher offer and obtained one 6 days before the scheduled sale date, on ThursdayXX/XX/XXXX. The offer was emailed in on XX/XX/XXXX. On XX/XX/XXXX, Monday ; No communication with the assigned processor, XXXX XXXX had transpired and the trustee sale is scheduled for XX/XX/XXXX. Notes were placed in the system by her, requesting a revised closing statement and additional documents needed in order to request postponement. This was communicated to my real estate consultant through XXXX XXXX. These documents were submitted to the servicer within the hour, to the loss mitigation email. My RE consultant called XXXX XXXX back and he ask that the documents be emailed directly to his supervisor, XXXX XXXX He said he would check first thing Tuesday morning to see that the docs are reviewed. She received confirmation that they went through at around XXXX  Monday night.

Tuesday morning, XX/XX/XXXX, my RE consultant, XXXX XXXX, spoke with XXXX XXXX regarding the need for a revised closing statement. She told XXXX XXXX that the requested document had been emailed anf faxed to 2 separate fax numbers. She asked if XXXX   would fax to her direct fax number. XXXX XXXX XXXX complied and called XXXX XXXX back to confirm. The customer service rep could not put XXXX XXXX in contact with XXXX XXXX or XXXX XXXX, and told her there is a note in the system that the sale could note be postponed without Management approval.

There has been little or no communication from the short sale department throughout the process of this short sale. There is no cooperation happening regarding assistance or even communication on this file. A family is being foreclosed upon needlessly as we have an offer at the servicers full valuation of the property.
Consumer complaint received 2022-06-12
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. (OH)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-06-12
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. (OH)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2019-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Evergreen Financial Services Inc. (WA)

While trying to do a refinance on my home it was learned that Evergreen Financial had put a judgement lien on our property for $XXXX. This was from XX/XX/XXXX and was discharged in our bankruptcy that was discharged onXX/XX/XXXX. They are refusing to give us proof that it was expunged. They are also refusing to remove the lien. Our “attorney” stated he dropped the ball on getting this taken care of as well. We were ready to close on the loan XX/XX/XXXX until this happened. The attorney, XXXX XXXX is wanting me to go to the Superior Court to get any docs showing it was expunged and then he will fill a motion at my expense. Evergreen is making no effort to resolve this issue even though the case is so old it is no longer in the system.Their contact info is :Evergreen Billing SolutionsXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2019-08-23
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: HW Holding, Inc (AL)

This year out of the clear blue I received a letter from Hunter Warfield Inc a debt collector. I have never heard of these folks I have never had a contract with them nor ever gave tne consent to have my personal private information. They are reporting fraudulent information on my credit report and i want it removed.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I am asking this agency not only to remedy this problem but to ask Congress to please investigate this nauseating problem which likely causes a lot of issues for women I'll just bet.

I have worked hard to create a sterling credit score and I had one for a long time it was a score of XXXX and I DESERVED EVERY NUMBER THERE, AND I HAVE DONE NOTHING BUT INCREASE THE SCORE AND YET, IT IS ONCE AGAIN OUT OF THE BLUE WITH NO EXPLANATION AND NO PROOF NO RHYME OR REASON TO DROP MY SCORE IT IS INSIDIOUS. XXXXTHEY TRIED THIS THE END OF LAST YEAR, DROPPING IT BY TWO POINTS, THEN TEN, THEN 15 AND YET THEY SAY OH, YOU ARE STILL IN THE BEST RANGE. 
THAT IS XXXX  XXXX, THEY DROP YOUR SCORE XXXX XXXX POINT AND IT HURTS. 

I AM PAYING MORE ON MY XXXX CAR LOAN THAN I SHOULD AND I AM XXXX  WELL SURE IT IS BECAUSE OF THESE XXXX  AT EXPERIAN. 

I LOOK ON THEIR WEBSITE FOR REASONS AND THERE ARE NONE FOR DROPPING MY SCORE. NONE NONE NONE, IN FACT, EVERYTHIGN IN WRITING SAYS EVERYTHING IS HELPING. 
I AM XXXX  WITH THESE PEOPLE. 
MY NEXT REQUEST IS PLEASE, ASK FOR AN INVESTIGATION INTO THIS OUTFIT. NO ONE CAN BE SO OUT OF TOUCH WITH THE UPDATED LAWS, NO ONE CAN DO SO MANY STUPID AND ILLEGAL THINGS TO PEOPLE AND THEN GIVE NO WAY TO CONTACT THEM. WELL AFTER LAST TIME THEY FIXED THAT, BUT I DOUBT THEY HAVE ANYONE WHO SPEAKS XXXX READ AND REMEDY THE PROBLEMS. 
LOOK, YOU ARE NOT GETTING ON THESE PEOPLE ENOUGH. 
THEY ARE UNEDUCATED. THE FINANCIAL PEOPLE ALL AROUND SAY YEARS AGO THEY STOPPED MAKING IT A HIT ON PEOPLE 'S CREDIT REPORTS FOR ONE TIME SEARCHING FOR A CAR LOAN, OR A MORTGAGE. BUT IF YOU LOOK FOR A CAR LOAN AND A MORTGAGE AND A PERSONAL LOAN, THEN YES OF COURSE IT IS THREE XXXX. BUT FOR JUST A LOAN, THE SAME LOAN,, ALL IN THE SAME WEEK, XXXX XXXX INQUIRIES DO NOT DO NOT DO NOT COUNT AS THREE HITS, ONLY ONE, IT IS THE SAME DAMN LOAN AND IT WAS EVEN ON THE SAME DAY. 
I AM SO ANGRY WITH THIS XXXX  XXXX COMPANY I T HINK WE WHO ARE XXXX  BY THIS SHOULD SUE ALL OF XXXX IN A CLASS ACTION SUIT. 
I AM TIRED THAT ANY FINANCIAL INSTITUTION EVEN GIVES THESE XXXX ANY CREDIBILITY ANY MORE. THIS HAS XXXX  UP SO MUCH OF MY TIME AND ENERGY I COULD JUST SCREAM. I WANT MY SCORE TO REFLECT MY CREDIT WORTHINESS ACCURATELY AND DROPPONG ME XXXX POINTS IS AN OUTRAGE.
Consumer complaint received 2022-05-04
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. (GA)

XXXX To Whom this my concern I the consumer has notice that you have a hard inquiry on my consumer report dated XX/XX/2020. PURSUANT TO 15USC1602 ( l ) - THE TERM CREDIT CARD MEANS ANY CARD, PLATE, COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR, OR SERVICES ON CREDIT. Which means my ssn is indeed credit card. PURSUANT TO 15USC1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Your company ran my credit card ( ssn ) without without my authority I was Obviously denied. But a inquiry on my consumer report means someone benefited from this unauthorized use of my credit card and I didnt receive any benefit from this transaction.

Pursuant to 28USC3002 ( 15 ) ( A ) ( B ) ( C ) - ( 15 ) United States means a Federal corporation ; an agency, department, commission, board, or other entity of the United States ; or an instrumentality of the United States.

WHICH MEANS EVERYTHING IS COMMERCE. SO, YOU HAVE COMMITTED FRAUD AND IDENTITY THEFT.

THIS COMPANY INFORMATION IS INCORRECT ON MY CONSUMER REPORT IT HAS ON BEHALF OF AMERICAN HOMES FOR RENT I DEMAND YOU REMOVE THESE INQUIRIES FROM MY CONSUMER REPORT. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX
Consumer complaint received 2018-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

I have already filed one complaint with you # XXXX - so details are there. You closed it. An internal audit conducted by Wells Fargo, a company that has been convicted of major crimes, should have never happened. It should have been an outside group doing the audit. We keep saying they are not applying our extra principal correctly ( see attached ) and are asking for an outside group to audit our bi-weekly payments and how they are applied. The extra {$430.00} we pay each month should IMMEDIATELY be applied to principal, and that is not happening, costing us lots of interest and longer in payments. In fact. on the attached pages, which I printed off of WF site, it's not even showing that - if you check each month to month balance on the sheet ( for example - take balance at beginning and ending of month, credit is only a little more than the 'monthly payment of {$1200.00} ). We are paying {$950.00} bi-weekly ( so {$1700.00} every 4 weeks ). We want an outside firm to audit all paperwork ( if you need more, I can provide, or you can ask them ). It's very clear from this brief summary, it's not being applied correctly.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (LA)

I am writing concerning missing escrow funds. I had a mortgage with Specialized Loan Servicing that was transferred to Fay Servicing in XXXX of 2022 ( Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

XXXX XXXX XXXX had a total of XXXX in escrow funds which they sent to Fay Servicing in XXXX separate checks. I have attached their escrow records ( with property address and last XXXX of my loan number on them ). 

Fay Servicing only credited my account for XXXX and did not credit me for the second payment of XXXX. When I called to complain Fay Servicing keep claiming they did not receive the second payment. 

After going back and forth between XXXX XXXX XXXX and Fay Servicing, SXXXX XXXX XXXX  provided with me with proof ( canceled check ) that Fay Servicing did in fact receive the funds ( canceled check attached along with print out of email from XXXX ). 

This has now gone of for months with both companies blaming the other for missing escrow funds.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

On XXXX XXXX XXXX XXXX filed law suit against me XXXX XXXX XXXX XXXX over a Furniture Purchase from XXXX XXXX XXXX, XXXX XXXX   claimed I owed {$4900.00} on a {$6400.00}. Through research I was able to find out that the value of the furniture was only {$2000.00} Which was nearly paid off. I agreed to pay up to {$2000.00} At the time of purchasing the Furniture I was under seven different medications from three Doctors and XXXX, I told XXXX XXXX and XXXX XXXX I wanted to have some review the contrats but they said they could not hold my furnitiure.When I found out the value of the Furniture, I requested the cost be reduced based on over charge. 
On XX/XX/XXXX XXXX XXXX filed suit and I was prepared to prove to the courts overcharging. The XXXX County District Judge dismissed the case which XXXX XXXX did not prove I owe the funds requested in the suit. The Case Number is XXXX. The XXXX County MD Judge ID : 0AA, Case Dismissal Date listed as XX/XX/XXXX. ( See XXXX County Md Court Clerk Copy of Court Order ), I have challenge XXXXXXXX XXXX refusal to remove this item from my file .Experian Report # XXXX Dated XX/XX/XXXX
Consumer complaint received 2019-03-20
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Immediate Credit Recovery (TX)

I took out student loans totaling {$19000.00}. At the end of school in XXXX, I started paying on my 15 year loan. I paid for 7 years. When it came to my attention that the balance was not going down any longer ( around XXXX ), I contacted XXXX XXXX. I was told I had refinanced my loan into an Interest-Only Loan. I  DID NOT do that so I asked for paperwork to show me when I asked for this and show me my signature. It never arrived. I stopped paying on the loan until it could get this resolved. These communications went on over the years and the loan went into default in XXXX. In XXXX, it came to my attention that I had an entry on my credit report in the range of {$90000.00}. After going back and forth again, I finally made a Complaint with this agency, the CFPB ( I think around XXXX ). The entry was removed from my credit file. Later, I received more communication in the mail. I sent two certified packages ( with 32 or 33 pages  each ) to the address provided. When I followed up by phone, they would say they never received the package. Nothing became of it and I did not hear from them any longer. Now, they have send a Wage Garnishment to my employer. When I called my Payroll Dept, I was told this was from the Dept of Education. I asked for copies ( I will send to you ) and they are not the Dept of Education - they are a collection agent posing as the Dept of Education. It is a different collection agent than before. I did not have a student loan even close to {$90000.00}. Is a Collection Agent allowed to collect " late fees '' and garnish my wages? Are they allowed to pose as the Dept of Education when they are not? I can be reached at any time at XXXX. Thank you for your assistance in the matter.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have called XXXX and Equifax at least a dozen times each in the last 24 hours, in an attempt to resolve a negative public record issue on my credit report. I have spent half of the time on an automated system, unable to reach a live human being. The other half was spent reaching a live human being, outsourced from XXXX. The customer service representatives were professional, but the language barrier made it impossible for us to communicate. I had often had extreme difficulty understanding the representatives broken English, and in like manner, the representatives did not understand my issue, nor my plea for a resolution. I was at one point instructed to " go to the courthouse ''. Needless to say, the federal courthouse advised that this was an issue outside of their wheelhouse.
Consumer complaint received 2022-05-04
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. (ND)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (CA)

XX/XX/XXXX - Paypal-Prepaid, Paypal, XXXX XXXX interference. 
XX/XX/XXXX - Group public interference, psychologically stalked by them since sometime in XXXX. 
XX/XX/XXXX - Successful use of activated card and App. 
XX/XX/XXXX - Manipulation of online notification and available features ( account settings ), 2 accounts. 
Denied instant transfer ( 5th day ... XX/XX/XXXX ) XX/XX/XXXX - Denied use of Paypal Prepaid 's Paypal balance, a Mastercard insured service. Prompted to call Paypal. 
XX/XX/XXXX - Over-the-phone-misled calls. 
XX/XX/XXXX - Same pattern. 
XX/XX/XXXX - Same pattern. 
XX/XX/XXXX - Paypal App manipulation discovered. Same pattern. 

https : XXXX - Objectives were clear. It's only to these accounts ... I'm noticing they as the organized crime group simulating understandings in brainwashing techniques using website technology tools of their company to force thought. Abridgements are several. 

Ongoing ... XX/XX/XXXX-XX/XX/XXXX account they may attempt to use ... if so, dates of stalking would begin during that year. The bully may also include an employment disability Judge, a calm ally.
Consumer complaint received 2022-05-04
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

There is a collection on my credit report from XXXX XXXX XXXX  date XX/XX/2022 in the amount of {$1100.00}. I have no knowledge of this debt. Please send any information acquired that this belongs to me.
Consumer complaint received 2019-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (TX)

I received a notice on my credit report showing an unknown collections account for a debt that is not mine, I do not know, nor ever had outstanding. I had a similar problem back in XX/XX/2019 with another collection company called XXXX XXXX XXXX XXXX XXXX 

My guess is that they sold off some debt to this new company called Credit Management LP - XXXX  XXXX XXXX XXXX, TX XXXX. 

Back in XXXX the file was closed at XXXX XXXX, XXXX after I submitted a complaint through this system and with the credit agencies.
Consumer complaint received 2019-03-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CT)

had decided to refinance my loans with XXXX in XXXX and began the process with contacting Firstmark and XXXX for payoff amounts. 
Firstmark on XX/XX/XXXX emailed me asking if I would like to use forbearance prior to the loans being paid off by XXXX. I immediately made contact and requested to use the forbearance for the months of XX/XX/XXXX and XX/XX/XXXX payments which would place my account up to date while XXXX completed the refinance. 

I was informed that I would receive an email with instructions for completing the forbearance request but that it was noted I was already pre-authorized. I waited 5 business days as they said it may take a few days before receiving the email before I contacted Firstmark again. They apologized and stated that they would send it out and make note on the account that I did not receive it and would submit it once received and completed. 

I received notification that I was reported 60 days past due to the Credit Bureau for non-payment and still had not received the documentation. In calling Firstmark to follow up and question the negative reporting I was informed that my loan was paid off by XXXX and they can not change their reporting. 

I have consistently made monthly payments without issue and during the time of the refinance stayed in constant communication with Firstmark and agreed to utilize the offered forbearance to avoid further past due days or to be delinquent. Now Firstmark is stating the loan is paid off and the reporting was completed ; I now have a negative report documented with no assistance or reversal by Firstmark when I have been told and offered 2 months of forbearance. I have documented and attached email correspondences and days and times of contact with First Mark. If I had known the forbearance was not an option I would of resume payments to avoid delinquent reporting. My contact with Firstmark representatives were always positive and helpful as they stated they would be sending the requested documentation along in which I still have not received but have received other correspondence from them by email and mail. When I called to question their processes I was told there was nothing they could do it was reported and you have to take that up with the credit bureau. The representative was short with me and dismissive of my questions and frustrations with not received the necessary documentation to finalize the forbearance. 

This negative reporting is unfair and honestly I feel lied to. XXXX has since paid off my loan and the dates will accurately match up to the dates of Firstmarks initial email and all following phone calls.
Consumer complaint received 2023-04-08
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: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I have notice fraudulent Account Name XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Contact info Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.