davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX, XXXX I submitted to Wells Fargo a complete loan modification package. Three days late they denied me without even opening the file. However, on XXXX XXXX, XXXX the file was opened and underwritten and I was one piece of paper ( XXXX ) shy of getting into active foreclosure status. I immediately offered a supervisor the one missing paper but was denied. On XXXX XXXX, XXXX I filed a Chap. XXXX BK to stop the sale. My property was titled in XXXX to the XXXX XXXX XXXX XXXX XXXX XXXX. Prior to filing the BK XXXX I appointed XXXX XXXX XXXX, attorney as trustee of trust ( also my brother ). On the day of foreclosure I received a phone call stating XXXX XXXX, attorney 's for Wells Fargo had scheduled an emergency hearing at XXXX XXXX on the day of foreclosure. The sale ends at XXXX XXXX The hearing was a telephone hearing because I am XXXX years old and XXXX and awaiting XXXX XXXX. The four attorney 's for the bank pontificated till around XXXX XXXX before I got to speak. The bank 's attorney 's were not aware that my brother was an attorney and the trustee. The Judge made an error in dismissing the automatic stay because I had filed a Chap. XXXX Pro Se. I explained to the Judge that I would have an attorney at the next court appearance. The Judge lifted the automatic stay and ordered XXXX to cry out the sale. I had a witness, XXXX XXXX, at the XXXX courthouse and no sale was cried out from XXXX to XXXX XXXX. Also, the sale had been advertized on XXXX and was pulled the day of the sale. We think it may have been put back on XXXX for 2 minutes around XXXX XXXX The point is the sale was not a legal sale and the auction was a sham because I had investors at the court house steps ready, able, and willing to bid on the house. Using devious means at the last minute the day of the foreclosure sale CHILLED THE SALE. Only 7 days prior to the sale date I went to XXXX 's offices with a proof of funds letter to buy back the house. I have made numerous offers to buy back the house. I have filed a wrongful foreclosure suit Case # XXXX in the Superior Court of XXXX County to try to get a TRO to stop my eviction on XX/XX/XXXX. I need your help in setting aside a wrongful foreclosure. I qualitfy for a modification and even have the money ( {$450000.00} ) to buy back my house.
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

Jefferson Capital Systems , LLC being the original purchaser of this account from XXXX in XXXX had full control from it's in inception. Jefferson shared or gave either or this account with XXXX XXXX XXXX XXXX in XXXX, Texas, the XXXX of the world where XXXX was XXXX.. 
The account was PAID IN FULL on XX/XX/XXXX, XXXX See Cashiers Check and corresponding letter. Approx. 2 weeks later I began being harrassed by phone 20 calls per day, and harrassed in person ( with police reports to confirm ) and have continued to be harrassed in person to this day by 2 other companies that were the next to ones to contact me XXXX XXXX, XXXX. 
from XXXX XXXX, Iowa and XXXX XXXXXXXX XXXX. The serious in field harrassment has continued for years now..We are now filing this second complaint from the fitst set of complaints filed on XX/XX/XXXX with CFPB. Nthing has changed.. We are niw filing criminal complaints with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX . and the XXXX XXXX. XXXX XXXXXXXX XXXX along with a civil lawsuit in tbe amount of XXXX XXXX dollars for compensatory and personal damages. 
We have sworn testimony and video as well as photography over 6 years to prove it all..My legal name was changed back to my birth name in XXXX from XXXX XXXX to XXXX XXXX. No more games. Jefferson Capital Systems , LLC will take full responsibility for having taken over the original file from XXXX. At tbis point under the laws that govern this matter I don't care who they gave it to or shared or sold it to, Jefferson takes full responsibility for these illegal actions..
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

Item : XXXX XXXX XXXX '' boot, size XXXX Amount : XXXX I refused the shoe delivery from the XXXX  driver on XX/XX/XXXX, instructing him to return the package immediately. I never touched or opened it. According to XXXX tracking number XXXX, the package was returned directly to the merchant and signed for by XXXX on XX/XX/XXXX. 

Actions : XXXX ) I contacted the merchant for a refund, but they kept telling me to wait. After multiple attempts, I decided to file a dispute with the bank. 
XXXX ) I contacted the bank to file a dispute. However, the bank denied it after the merchant provided partial tracking information indicating the package was delivered to me, without showing the part of the tracking that confirms it was returned to them. 
XXXX ) I contacted the bank XXXX more times for assistance, but they advised me to resolve the issue with the merchant since they could only process a chargeback once. Customer service kept recreating disputes for me, but the cases were consistently denied. 
XXXX ) I am now here to file a complaint with the CFPB because I have been wrongly accused.
Consumer complaint received 2023-08-18
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: Resurgent Capital Services L.P. (PA)

I requested debt validation and original contract from RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX  and was not supplied with it I did my own research and found it was a fradualant credit card account that I reported back in 2020. this is not my account and this needs to removed from my report immediately. I attached the original letter along with what was sent to me in response
Consumer complaint received 2019-04-11
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: Experian Information Solutions Inc. (GA)

I have been a victim of identity theft back in XXXX of XXXX, and someone opened a XXXX XXXX  Account in my name fraudulently. I have disputed this account with Experian numerous of times and they still have not blocked/removed this account from my credit report. They did one time in XXXX of XXXX but reappeared back on my Experian credit file in XXXX of XXXX. I am very upset because Experian is violating the FCRA of reporting fraudulent information on my credit report. I have given them a police report, an identity theft affidavit proof of identity documents. Also, XXXX XXXX keep verifying this account as accurate, which I am filing a complaint against them as well. I am very dissatisfied with Experian because they are not taking this matter serious, and it is affecting my credit score rating with Experian, which is hindering me from obtain credit with favorable interest rate. Please have Experian to remove/block the XXXX XXXX ( Charged-Off ) account ending in XXXX from my Experian credit file.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2019-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (ND)

After four unsolicited " transfer or sold '' servicers of my student loans, I have been with FedLoan since XXXX of XXXX. I have been working toward the PSLF program having submitted my first employer verification form in XXXX of XXXX, another on XXXX, XXXX and XXXX. I have worked for the same agency 18+ years. I first contacted Fedloan in XXXX of XXXX asking about my " qualifying payments ''. They responded that I had 11 qualifying payments. I then made at least 4 email inquiries asking them what form of proof I needed to submit to prove additional payments had been made and under the correct plan. I then contacted them in XXXX of XXXX, and was told my payments were still at 11. I contacted them in writing again in XXXX of XXXX and received a response from them in XXXX of XXXX saying I had 11 qualifying payments, after I had made at least 30 qualifying payments directly to them. I then spend endless hours reviewing an gathering my documents which proved qualifying payments. I once again requested an update on my qualifying payments and was told I had not re-certified my employment, which once again I had, but I resubmitted it. In early XXXX of XXXX I logged into U.S. DEPARTMENT OF EDUCATION, NATIONAL STUDENT LOAN DATA SYSTEM ( NSLDS ) and they reported that I had made 114 monthly payments made ( 114/120mo ) 95 % toward my PSLF. I contacted them again and asked how to get this corrected. they told me that the NSLDS was incorrect, and that only Fedloan could decide my qualifying payments, and it could take 3-6 months to do so. I once again asked who could receive my proof of payments and they said they did not need them as they had all of the history on my student loans. They then failed to process my IBRP paperwork that was sent on XX/XX/XXXX, so my payment jumped to XXXX a month which caused me overdrafts at my bank, and for ht first time on years for my loan payment to be late. I got that resolved an returned to my auto pay, Today I checked to see what they had for " qualifying payments '' and it said 71. I then logged innto the exact same U.S. DEPARTMENT OF EDUCATION, NATIONAL STUDENT LOAN DATA SYSTEM ( NSLDS ) and found they had changed my qualifying payments to 71 as well, in addition to other information on the report being changed. I have every document needed to prove payments were made that far exceed the 71 I am currently being credited with including credit bureau records. I could produce all email contacts and proof of my inquiries since XXXX. I can not begin to count the hours I have spent trying to resolve this discrepancy. I am now over the 120 payments and will need to continue to make payments to protect my credit. This is illegal in every way, but allowed because no one is in charge.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP (TX)

XXXX XXXX XXXX XXXX XXXX ( XXXX ) and auto loan from us bank failed to follow persuite with inaccuracies on my credit report that I disputed..I manage to get the 2 off my XXXX and also us bank is off my XXXX and XXXX  XXXX failing to take it off XXXX and XXXX after disputing from the other credit companies that I have screenshots of the companies credit report deletion
Consumer complaint received 2020-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I entered into a short sale process on my home with XXXX  XXXX XXXX in XX/XX/XXXX. I took the time to submit all required financial statements, all documents requested, appraisal was done on the property, and in XX/XX/XXXX before providing a decision on the short sale XXXX  XXXX XXXX transferred my loan to SLS. All of the documents were transferred over to SLS for them to begin their review. After providing any additional information, it took months for SLS to finally approve me for a short sale which they did. Now they have to approve the contract that is in for the property which we were told could take up to 30 days. More than 30 days passed and SLS still would not issue a decision and requested another appraisal be done. A BPO agent went to the property on XX/XX/XXXX to do the appraisal requested. I have still not heard anything regarding a decision from SLS and Fear that I am going to lose the buyer due to their continued lack of attention to this case. I feel that SLS is intentionally delaying the short sale and is acting in bad faith. They have had everything they need to issue a decision for quite some time now. I have now been waiting for 7 months for a decision - 5 of those have been with my file is the hands of SLS and in the meantime my credit continues to suffer and my property continues to decline as it is no longer being maintained.
Consumer complaint received 2018-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (MI)

XXXX XXXX XXXX - XX/XX/XXXX XXXX Salesperson misrepresented information, saying it was 30 day trial and could cancelled any time without penalty and also failed to disclose terms with respect to cancellation. When called over phone to cancel, was told it was only 3 day trial. 

XX/XX/XXXX Notice of Cancellation email was sent to XXXX XXXX XX/XX/XXXX XXXX Removal of equipment XX/XX/XXXX FBCS Debt Collecton mailed stating I owe {$1600.00}
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

I used XXXX XXXX XXXX XXXX XXXX credit card to purchase some a stove in XX/XX/XXXX. When i bought this product from the store i was never told that i have pay the full amount back in the promotional period. I always thought it will the regular finance charge after the promotion expired on XX/XX/XXXX which was the billing cycle. In XX/XX/XXXX I was charged {$330.00} as deferred interest charge. I tried calling to few times and every time I was told i need to speak to a supervisor but the customer service rep said they are having technical difficulty to transfer my call and they wont provide a phone number to call them directly. Before this amount was added to my account the balance was {$400.00}. Since this time I have paid {$210.00} on this account and the balance now is {$490.00} and they are now adding interest charges on the money that they added. There fore I am being charged double interest. They are thieves and practicing unfair billing.
Consumer complaint received 2019-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (DE)

I re-financed my mortgage in XXXX of XX/XX/2018 with Freedom Mortgage. My mortgage payment was {$910.00} monthly. Shortly afterward, I changed Homeowners Insurance from XXXX to XXXX XXXX. My policy went from {$820.00} to {$850.00} respectively. XXXX sent me a refund of {$570.00} which I immediately paid to freedom Mortgage. Shortly afterwards I got a letter from Freedom Mortgage stating that there was an Escrow Shortage of {$820.00} and my monthly payment would go from {$910.00} to {$980.00}. This amount is not what I agreed to pay in my Closing and Settlement of the Re-finance. I called Freedom Mortgage to see what the situation was and they just went over the figures which don't compute to me ... They must have underfunded the Escrow Amount initially. How can it be {$820.00} short on a brand new Re-finance? I made arrangements to pay the {$820.00} in 2 years bringing my monthly payment to {$950.00}. THIS IS NOT WHAT I AGREED TO ON MY CLOSING AND SETTLEMENT. PLEASE HELP!!!!
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

FYI There was no category in your complaint system that specifically addressed my issue so this complaint may not be perfectly categorized ( maybe you could add an " other '' category ) The FCRA says I can get a copy of my reports from all agencies. I could not remember the name of my employer which submitted information on me to The Work Number. I  called to get my information but they would not give me my report without giving the specific name of an employer member which reported on me in the past. Some people have memory loss but this should not prevent them from obtaining there information. This is a violation of the FCRA.
Consumer complaint received 2019-04-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted a dispute to Experian on XXXX over a loan that I paid off to XXXX XXXX XXXX XXXX ( the loan was paid off around XXXX if I remember correctly. ) The Experian report and dispute result stated that the loan was discharged through Bankruptcy Chapter XXXX- that is not accurate, I paid off the loan. I next attempted to send Experian the only proof that I have - a copy of the bankruptcy paper work showing that I intended to keep the debt. Instead of resolving the issue, they now opened up a new dispute into whether or not I paid off the other car loan to XXXX XXXX XXXX that I also paid off. There is no way to contact Experian directly. I've also contacted XXXX XXXX about trying to help me with proof that I paid off the loan, but they have still not contacted me back.
Consumer complaint received 2019-04-11
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: EQUIFAX, INC. (GA)

I have been a victim of identity theft back in XX/XX/XXXX, and  someone opened a XXXX XXXX XXXX XXXX XXXX  Account in my name fraudulently. I have disputed this account with Equifax numerous of times and they still have not blocked/removed this account from my credit report. They did one time inXX/XX/XXXX but reappeared back on my Equifax credit file in XX/XX/XXXX. I am very upset because Equifax is violating the FCRA of reporting fraudulent information on my credit report. I have given them a police report, an identity theft affidavit proof of identity documents. Also, XXXX XXXX XXXX XXXX XXXX keep verifying this account as accurate, which I am filing a complaint against them as well. I am very dissatisfied with Equifax because they are not taking this matter serious, and it is affecting my credit score rating with Equifax, which is hindering me from obtain credit with favorable interest rate. Please have Equifax to remove/block the XXXX XXXX XXXX XXXX XXXX (  Charged-Off ) account ending in XXXX from my Equifax credit file.
Consumer complaint received 2018-08-28
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. ()

The reporting of student loan account number # XXXX, as delinquent, by servicer XXXX ( creditor : XXXX XXXX ) is not only incorrect but illegal. XXXX violated the loan agreement. XXXX did not process my forbearance/deferment request, while I am still in school. See attachment for further details.
Consumer complaint received 2019-04-11
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: United Consumer Finance, Inc. (MA)

I finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX  so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX  Open XX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXX Open XX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX OpenXX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/ XXXX/XXXX  Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX OpenXX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX  XXXX XXXX Open XX/XX/XXXXTo Be ClosedXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be ClosedXX/XX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX OpenXX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/united consumer fi  Open XX/XX/XXXX To Be Closed XX/XX/XXXXXXXX XXXX XXXX  Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX Open XX/XX/XXXXTo Be Closed XX/XX/XXXX
Consumer complaint received 2019-04-11
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: Experian Information Solutions Inc. (NC)

The accounts currently on my credit report are not mine. I have recently discovered them and did research to understand what my next steps are to remove them because I am a victim of identity theft. I am submitting this to ensure that these accounts are removed and blocked to protect me from the individual ( s ) from continuously using my information to open fraudulent accounts.
Consumer complaint received 2019-04-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MN)

I refinanced my federal loans for XXXX school through college student loans/Navient. It was my understanding that my loans are still tax deductible but Navient refuses to provide the needed tax forms. They state my account in ineligible. In order for them to review they are sending me a form, which will take 24 hours as they are unable to send emails out directly. I then need to complete the form and mail it back. All the form says is my name and address and that I am disputing their belief that my loan is not tax deductible. They will then review and respond and will try to expedite it. There are no direct phone numbers, they say their team doesn't take them. It felt as if they were trained to avoid any work/progress on this. Are they trying to increase tax liability? Decrease their expenses? Poor customer service at a minimum, shady and illegal potentially?