davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

I am writing to report misappropriation of funds and egregious mortgage servicing practices performed by LoanCare LLC. 

Our mortgage servicing was bought from LoanCare effective XX/XX/XXXX ; however LoanCare did not provide any notice of transfer of servicing. In late XX/XX/XXXX - 6 months after the date of transfer - I received an alert through personal credit monitoring that my mortgage was being reported as delinquent by a new servicer. We had no idea that our loan servicing was transferred from LoanCare to  XXXX in XX/XX/XXXX ; regular, timely monthly payments were made to LoanCare until XX/XX/XXXX. 

After contacting XXXX ( who failed to provide appropriate notice as well, by sending the documents to the property address rather than our permanent residence ), I was informed that our mortgage was thousands in arrears. I began reconciling where the payments made to LoanCare from XX/XX/XXXX to XX/XX/XXXX had been applied, if at all. 

On XX/XX/XXXX I made my first call to LoanCare in an attempt to reconcile the payments and found that of the five payments, 2 were forwarded to the new servicer and 2 were returned to my bank. The last payment remains unaccounted for.

LoanCare failed to appropriately forward or return the payment made on XX/XX/XXXX and is unable to provide any documentation as to it's whereabouts. 

As of XX/XX/XXXX, I have spoken with LoanCare customer service on 6 occasions, Twice ( once via fax and once via email ) I have provided proof to LoanCare that they accepted and endorsed this payment and asked for documentation of its application. 

The information provided by LoanCare 's customer service is different and contradictory but the results are the same : no resolution. For 8 weeks now, I have been told that the research is " still in process ''. I have been given dates by which I can expect the documentation to be mailed ( never has arrived ). I have been given case tracking numbers that when referenced in subsequent calls, apparently have no case history. I have a customer service rep inexplicably transfer my call back to the main call directory, and every with call I am placed on hold in excess of 20 minutes. 

On my most recent call, I was told they do not have any documentation on file and that I should submit the proof again. I am no further along today than I was at time I first contacted them. To boot - in XX/XX/XXXX - LoanCare reported my mortgage ( the  one transferred in XX/XX/XXXX ) as being >120 in arrears! Upon my contacting them about this separate issue, I was informed that I needed to provide them with proof that they reported this information - which makes no sense. 

The net result is that LoanCare has misappropriated at least {$1800.00} and is not being held accountable for their practices.
Consumer complaint received 2019-07-09
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 went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I still see other peoples accounts on my credit. I have reached out to the FTC and my local police department and I am doing this on my own behalf. Again can you all please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX XXXX. XXXX XXXX/XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX.
Consumer complaint received 2019-07-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

IN XXXX WE PURCHASED OUR HOME FOR {$510000.00}. THE LOAN WAS ORIGINALLY UNDERWRITTEN BY COUNTRY WIDE BUT THEN TRANSFERED TO BANK OF AMERICA. ITS COMPOSED OF TWO LOANS, 30 YEAR FIXED AT {$410000.00} AND A INTEREST ONLY LOAN ( APPROX. 8.7 % ) FOR {$100000.00}. SHORTLY AFTER WE SIGNED THE RECESION HIT. IN XXXX WE ATTEMPTED TO REFINANCE BOTH LOANS INTO ONE BUT WE WERE DECLINED DUE TO OUR HOME BEING UNDER WATER ( LESS VALUE THEN WE OWED ). WE HAD NO CHOICE BUT TO REFINANCE THE FIRST LOAN TAKING ADVANTGE OF THE LOWER INTEREST RATE. TODAY, XXXX ( 12 YRS LATER ) WE ARE STILL UNABLE TO REFINANCE AS OUR PROPERTY REMAINS UNDERWATER ( ACCORDNING TO ASSESSMENT PERFORMED IN XX/XX/XXXX ... VALUED AT {$410000.00} ) IN XXXX, XXXX OUR SECOND LOAN WILL BALLON AND WE WILL BE OBLIGATED TO PAY THIS IN FULL. I HAVE CONTACTED BANK OF AMERICA SEVERAL TIMES EXPLANING OUR SITUATION BUT TO NO AVAIL. WE'RE NOT ASKING FOR A DISCOUNT OR A DECREASE IN WHATS OWED WE'RE SIMPLY ASKING FOR FAIR TREATMENT AND THE OPPORTUNITY TO REFINANCE BOTH 1ST AND 2ND MORTGAGES TOGETHER ( ONE PAYMENT ). WE HAVE EXCELLENT CREDIT AND INCOME. WE ARE IN GOOD STANDING WITH BANK OF AMERICA XXXX NEVER MISSING A PAYMENT ). THE CAUSE OF THE RECESSION IS FARILY COMPLEX AND DIFFICULT TO UNDERSTAND BUT IT CERTAINLY WASN'T THIS FAMILY WHO CAUSED BUT YET WE'RE BEING PUNISHED. WE WERE GIVEN A LOAN FOR {$510000.00} AND WE ARE WILLING AND ABLE TO PAY {$510000.00} IF BANK OF AMERICA CAN JUST HONOR THIS SIMPLE REQUEST. ALLOW US TO REFINANCE OUR 2 LOANS INTO ONE SO THIS FAMILY CAN MOVE ON ...
Consumer complaint received 2019-03-12
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: National Credit Systems,Inc. (TX)

National Credit System reported an account that belonged to someone that with a similar name that does not belong to me. I have never lived at this property called " XXXX XXXX XXXX XXXX XXXX  '' in XXXX, Texas and I have never signed a joint contract with XXXX XXXX ( I've never heard of that name before and it is not even closed to my wife 's name ). 

I have tax records and a lease contract copy that proofs I was living in a different state at the time. 

I disputed with XXXX last year and they removed from my report but now this collection is showing in my XXXX credit report. I disputed with XXXX but they came up with the resolution below : " The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I demand that this account be removed from my XXXX  credit report immediately.
Consumer complaint received 2022-12-15
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. (AR)

I discovered that some of the information being reported by the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$3100.00}
Consumer complaint received 2019-07-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

I called Wells Fargo on this morning and spoke with XXXX, ID # XXXX Wells Fargo ; she advised that the property was in foreclosure and had a sale date of XX/XX/XXXX. I told her I was aware, I heard it on the recording after I keyed in the borrower 's information. I also advised that I was calling to check on the modification request that was sent to them once again on XX/XX/2019. She stated that she would need to send me to the re-entry department for them to advise what else they needed. She transferred me to XXXX, ID # XXXX. I told him I was checking the status of the request for modification sent on XX/XX/XXXX. He advised that since the property was up for sale and the foreclosure date was XX/XX/XXXX, and since it was not within the 37 days -- the only thing to be done at this point was a liquidation or re-instatement. I have requested mortgage assistance XXXX XXXX, XXXX XXXX, XXXX and XXXX of which showed another change in my circumstances of which I've retried and my income is less. Wells Fargo has given me the run around and has been hard to work with also I was not given and opportunity to appeal the mortgage assistance denial. I don't want to LOSE MY HOME. Received notice of property foreclosure sale from XXXX XXXX XXXX XXXX dated XX/XX/2019. 
Tennessee Foreclosure law states the homeowner is to receive a 30 day notice to the sale of a property. I feel I'm being discriminated against because of my age and I'm a XXXX American woman.
Consumer complaint received 2019-02-10
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. (FL)

Please know that I was not late on XXXX  XXXX XXXX I wonder why XXXX, Experian and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2022-05-06
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: Westlake Services, LLC (LA)

N accordance with Fair credit reporting act account # XXXX has Violated my rights 15 U.S.C 1681 section 602A. State I have Right to privacy 15 U.S.C 1681 section 604 A section.2 it also state consumer reporting Agency can not furnish a account with out my written instructions
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

on XX/XX/2021 i sent EQUIFAX a letter to dispute inaccuracies and unverifiable account. They failed to respond. 
" Under 15 USC 1681 b ( a ) ( 2 ) ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. '' I have not given EQUIFAX consent to furnish anything. Please remove the disputed items in the letter.
Consumer complaint received 2019-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (VA)

There was a Company name Receivable System Inc. sent notice to me on XX/XX/2019 to pay 1 Company debt. I requested that company to first show me the evidence that what evidence they have that I want to pay the debt to the company. And I informed this also that within 30 days they won't need to touch my credit report and if they touch it I can take some action under them if I see if negative item. I can give them 30 days to investigate and sent me to result in the mail. 

It's been 30 days and more they didn't send me to investigate result and placed their name in my credit report as a collection agency. 

So I want to report their name to CFBP to help me solved that problem. 

Thank You, XXXX XXXX
Consumer complaint received 2022-05-06
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: NAVY FEDERAL CREDIT UNION (LA)

N accordance with Fair credit reporting act account # XXXX has Violated my rights 15 U.S.C 1681 section 602A. State I have Right to privacy 15 U.S.C 1681 section 604 A section.2 it also state consumer reporting Agency can not furnish a account with out my written instructions
Consumer complaint received 2019-09-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC (VA)

This company charges exorbitant fees, so I make it a point to pay it off every month to avoid fees. This month they would not let me pay it off in my usual two payments. I made the first payment and when I went to make the second payment the system wouldn't allow me to complete the payment. I received the error " This request can not be serviced at this moment. Please contact AF247 for more details. '' When I called them I received repeated canned responses with no support. They tried blaming my bank and credit union, which I proved was invalid, yet they stuck to their canned responses. This purposely causes a delay in order for them to impose their fees by PREVENTING me from making a payment. 

To clarify, the problem is not with my bank or credit union ( payments were attempted through two debit cards from different banks AND direct from my checking account on file ). This error message came up when I tried every form of payment. The problem is 100 % with AF247. The MUST release their unethical hold and allow me to pay the full amount.
Consumer complaint received 2024-04-26
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: EQUIFAX, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXX XXXX XXXX Balance : {$680.00}, XXXX XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX XXXX Balance XXXX {$520.00}, XXXX XXXX XXXX XXXX Balance : {$680.00}, XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$550.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX  XXXX Balance : {$1500.00}, and XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX
Consumer complaint received 2022-12-14
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. (SC)

Trans union has been giving me he'll as someone In Texas has stolen my identity and I called the following companies XXXX XXXX XXXX XXXX XXXX and a company called XXXXXXXX XXXX XXXX they are asking for my ID and so number due to THEM sending their energy to whoever and never asking for their customers to furnish ID thus making my credit bad then u got all kinds of hard inquiries that I didn't make for several loans from like 100 different places which was not me, I mean someone's using my name and then Trans union is giving me a hard time with it being I was homeless how the he'll could I have a energy bill? Then I T looks like the person got energy bills at several addresses and the majority is in Texas... I never been to Texas a day in my life at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Trans union ignores that I am XXXX XXXX XXXX but they continuously keep making me be XXXX " XXXX '' XXXX ..how when I have no middle name... it's crazy ..Trans union along with their XXXX XXXX  is making me mad XXXX XXXXXXXX.. if u call NOBODY speak clear XXXX which make me think it's a a scam " '' Straight up!!
Consumer complaint received 2023-03-21
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: Collection Management Holdings, LLC (FL)

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 {$15.00} usc 1681 section 602 a. States i have the right to privacy.

15 USC 1681 604 a section 2. It also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-16
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: JPMORGAN CHASE & CO. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and JPMCB Card. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$38000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE REMOVE THE DEROGATORY ACCOUNT OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THOSE ACCOUNT. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND CORRECT YOUR REPORT FOR THOSE ACCOUNT WERE INACCURATELY PLACED ON MY FILE.
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

Mortgage services Shell point requested a copy of my condo buildings hazard insurance via a letter that was mailed to me. Utilizing their XXXX XXXX XXXX service I promptly submitted a copy of the new insurance binder. When I received the same letter shortly there after I resubmitted the updated binder and followed up with a 40 minute phone call to get the issue resolved. 

Shortly thereafter I got a letter saying they had purchased insurance on my behalf. I finally got ahold of someone in their insurance department who was component and I was able to email the binder to and was told my file has been updated. 

I just discovered that they are billing me lender imposed insurance premiums. 

Uploaded an updated insurance binder via XXXX XXXX XXXX on XX/XX/22 and XX/XX/22. Followed up with a phone call on XX/XX/22. Called again on XX/XX/22 and emailed insurance binder. Was told on XX/XX/22 my account was updated to reflect the binder being on file. 

On XX/XX/22 my escrow was debited {$170.00} for Lender Placed Hazard Disbursement. On XX/XX/22 my escrow was debited {$58.00} for Lender Placed Hazard Disbursement.
Consumer complaint received 2019-07-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

OnXX/XX/2019InoticedthatanautomaticwithdrawalwasmadefrommycheckingaccountbyCoinbase,thebitcointradingcompany.IreachedouttothemonXX/XX/2019andwasinformedviaemailthattheywouldgetbacktomeassoonaspossible.Inthemeantimetheydisabledmyaccountwhichhadapproximately{$2000.00}.IaskedforanexplanationonXX/XX/2019butnonewasreceived.OnXX/XX/2019Ireceivedanautomaticmessagesayingthatmybalancehadbeenincreasedby{$1000.00}.However,myaccountwasstilldisabledwithnoaccess.Ihavetriedcontactingthembyphone,butyou'redisconnectedassoonastheyrecognizeyournumber.Theywillnottakecallsfromanyothertelephonenumber.

Iamatwitsend.Icanillaffordtolose{$3000.00}.

ThetwocaseNos.theygavemeareXXXX&XXXXCanyoupleasehelp?
Consumer complaint received 2022-05-06
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. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX XXXX XXXX   in an attempt to receive verification of the following items. 

XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2019-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (FL)

We found 4 charges from XXXX over a 4 month period where someone used my credit card numbers to obtain PrePaid cards and then used them to ___? Pay their own payments? Or? 

I went to XXXX and filed a lengthy claim. They say they do not have the authority to check who, where, how, anything about theses transactions. Were they in-store, card captured transactions? Were they online or? WE were told it had to be taken up with my financial institution and my institution working with them. 

I've been inside my local branch 10-15 times filing reports, submitting papers, etc. and have received 3 form notices telling me that my request has been denied. They indicated that since I had my actual XXXX cell phone account on autopay or ACH, $ 100- {$100.00} every single month on the same day, then these extra charges are my charges too. XXXX XXXX! On two separate trips, one month apart, my branch employee called and discussed the fact that I'm a 17 year customer, XXXX years old and I don't file bogus claims. That employee, XXXX, then twice requested their documentation as indicated on the bottom of each denial. My bank refuses to give me ANY documentation about their investigation about MY account and MY losses as required. 

We checked back with XXXX in XXXX and XXXX informed us they had not been contacted by anyone from Suntrust about this stolen money. 

Why is the bank that's held my Business and Personal accounts for 17 years refuse to cooperate with me in the slightest bit? Forget the outright fraud, how do you treat a valid customer like this? 

XXXX XXXX