davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

I lost employment in XXXX XXXX and can not work due to an injury on that same job in XXXX XXXX. I contacted my mortgage company to apply for a Modification. At the time My income was over {$XXXX} per month for three months ( until my contract as a XXXX ended ). I explained that after that time my income would end and I would be on Workers Vompensation insurance. I did receive a Modification that reduced my mortgage payments from just over {$1200.00} per month to about only {$1100.00} per month. After one year, XXXX XXXX, I called again to see what help I quaualified for and was told that I 'could n't get another modification within two years '. I told them that I did n't think that was the law. I was also informed that I would be considered for forms of help. The result was I did not qualify for any help from Wells Fargo Mortage although I have been a mortgagee for over five years had a good payment history for those years. I informed my representative that I was unhappy and believe they trying to force mebintonforecliser. I am XXXX years who have divorced for over 13 years. So, I needed the temporary help until my injury is treated and I return to the workforce. I am very displeased that they dropped my mortgage payment about {$100.00} after the Modification. However, when I contacted them in XXXX XXXX I was seeking temporary help until I was able to return to work. However, I was asked about selling on a short sale and other questions that led me to believe they rather force me to foreclose. Sine, that time, I have received letters demanding that inpay XXXX payments or more at a time to catch up. I told the representative that I could stay near caught up ( XXXX payments behind ) until such time as I file for my income tax refund in XXXX XXXX. Although the company when through all the protocol required to help me, I feel that their intent was not to consider me for another Modification, nor for other help. They continue to ask if I want to keep my home as a standard question. I have always told them Yes. But, I do n't believe that they are theists rested in helping, even temporarily. I need for them to help me with lowering my payments for as long as it takes me to get on my feet from the injury.
Consumer complaint received 2021-11-13
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: U.S. BANCORP (TN)

A " XXXX XXXX XXXX XXXX XXXX Visa XXXX '' credit card was opened on my XXXX XXXX insurance account XX/XX/21 by someone who was not myself as in the owner of the account. As US Bank is the provider of the " XXXX XXXX XXXX XXXX XXXX Visa XXXX '' credit card, I reached out to them Saturday XX/XX/21 in which I was informed there was a balance of {$19000.00} existing on the card. The US Bank fraud department representative said he voided the charges and locked the card. I myself would then receive a credit card in the mail ( along with documentation of the charges and account ) in which I would have to call the number on the card to officially close the US Bank account opened in my name.
Consumer complaint received 2021-11-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (WI)

I have only been a member at this gym for two months and the gym has charged a {$75.00} dollar sign on fee along with a {$25.00} membership paid the first day. I received another unexplained charge recently in the amount of {$29.00} that was charged with a biweekly amount of {$25.00}. I went to my bank to have the unexplained {$29.00} fee reversed and they are still trying to collect a debt I don't owe adding another {$9.00} plus {$19.00} service fee added, just for a gym membership. I also discovered that the {$75.00} sign on fee I paid was than reduced to just {$1.00} for customers. I have not been a member long enough for all the charges added and price discrimination.
Consumer complaint received 2021-11-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MA)

On XX/XX/2001 at XXXX XXXX I transferred {$2000.00} via Western Union to the XXXX. I paid the transfer fee of {$30.00}. There is 12 hour time difference which takes it to XXXX XXXX XXXX time, XX/XX/XXXX. 
At XXXX XXXX my receiver in the XXXX went to pick up the money and was told that it has already been collected. 
I was supposedly the only one who has the tracking number to authorize the release of the money upon presentation of proper government picture ID. 
I spoke with customer service several times and argued that they improperly released the money and questioned them about the security of the tracking number. Each time I was given the same answer -- - '' they properly dispensed the money to the right person '' and refused to refund me.
Consumer complaint received 2021-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lennar Financial Services, LLC (FL)

I have been dealing with Lennar XXXX? ( home builder and Mortgage company ) since XX/XX/2021. After many offers, I finally got a townhouse that would close on XXXX. I uploaded all documents that were required. On the site there were also documents for me to sign, they had my address and social security number wrong ( since XXXX ). We are 2 weeks from closing and they rip this house right out from under me because they are now saying that my Worker 's comp pay is not considered income. At the very last minute. I contacted everyone and nobody has the decency to respond. They did this to get a lot money, I know they did! This is unfair and unjust. They should have at least given me until my close date to find another loan. I was diligently working on trying to get another loan, they didn't respond at all to my pleas. My son was going to co-sign with me. XXXX XXXX from Lennar Mortgage sent a link for my son on Friday evening ( XXXX ) which would have been approved but on Saturday morning I received an email from XXXX XXXX ( Realtor for Lennar ) telling me that they were in the process of accepting another offer! This was so wrong!! My son didn't get to apply with me! They took MY townhouse from me!!! This is so wrong! And absolutely nobody will respond to an email! I sent everyone on the board and the sales manager, an email letting them know how I was treated, not a single response. I was treated unfair and unjust! I deserved at least until the close date to acquire another one.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (UT)

I'm trying to obtain my free annual credit report for a job I already have an offer for but I need my credit report to finalize the process, but the Experian website says the following : " Sorry, we are experiencing technical difficulties. 
You can try again or request your Annual Credit Report to be mailed to you. '' This is extremely detrimental to my financial future and I need this before the weekend is over! ( XX/XX/19 - XX/XX/19 ). 
I can't even download it! The phone number they provided ( XXXX ) to request my free credit report is a XXXX joke and it still says that they WILL MAIL IT TO ME?
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CO)

I requested a forbearance with Freedom Mortgage and it was accepted and followed exactly. I am now current and did everything as requested including documentation. 

When recently trying to get a small loan to pay off some home improvements I was told I had a 120 day late payment on my mortgage. Obviously this is absolutely NOT accurate. 

I tried to settle this with Freedom Mortgage and they said that even though it was an agreed forebearance they still reposted it as late. 

So here I am
Consumer complaint received 2021-11-13
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)

XX/XX/2021, I disputed that Transunion, XXXX and XXXX are reporting a inaccurate account. They are reporting a XXXX / XXXX charge off account with different, Date Opened, High Credit, Credit Limit, Last Reported, Date Last Active, and Date of Last Payment. The fair credit reporting act 15 U.S code 1681 state that a consumer report must be accurate. They are not reporting my credit report accurately. I have attached a copy of my most recent credit reports from all three agencies as proof.
Consumer complaint received 2021-11-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

I started my refinance process back on approximately XX/XX/2021 with Chase Home Mortgage. We have had our mortgage with Chase for over six years. They have taken us through a painstaking process to get the refinance, which is still not done. Multiple times they told us to pay off other debts in order to get the refinance through, they asked us to payoff some revolving credit card debt, we did and they did not approve the refinance. They asked us to payoff a car loan, we did and the loan was still not approved. We provided all of our finance information which is substantial, and it's still not done. During this three month ( so far ) process they have been sending multiple loan statements that have reviewed the terms of the loan in process, including the proposed new monthly payment. For the entire time during this process the new estimated monthly payment was listed at {$2400.00}, now that the refinance has " preliminary approval '' the estimated monthly payment shot up to {$2800.00}. Also, the closing costs went from {$11000.00} to {$13000.00}, which is extremely high for a refinance with the company where we have the existing loan. I've spoken to other mortgage lenders and they tell me the typical closing cost for an existing customer refinance is approximately one months mortgage, which in this case would be {$3400.00}. So far there have been three lending advisors assigned to this process. Not one person can tell me why these numbers changed so dramatically, or why they are charging us such a high price to refinance since we've been a solid customer of theirs for six years never missing a payment or ever being late. My thought is there is something unscrupulous happening here and everyone I speak to at Chase disavows any knowledge of why.
Consumer complaint received 2018-09-17
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)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/1983 please be advised that a copy of this letter has also been sent via certified mail. 

the equifax, XXXX and XXXX credit reporting agency have all been dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, after receiving my credit report it was confirmed that the company XXXX XXXX was the supplier of this invalid account being reported, so I called them to request that I have this validated and they stated that they have not validated this debt with equifax, XXXX or XXXX, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. 

I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). 

please provide me with the courthouse name, address, phone number of who verified this debt
Consumer complaint received 2020-12-17
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Im new to this country this is not my account. Im new here in america. I need help. The companies told me its on me. I must contact the credit bureau. The police dept wont help they said the department isnt available due to covid. Please help and remove this from my account XXXX dont want to loose my citizenship. I dont have kohls or XXXX XXXX Revolving Accounts : Accounts with an open-end term KOHLS/CAPONE XXXX XXXX XXXX Account # : XXXX XXXX -- High Balance : {$830.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$530.00} {$530.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Department/Variety and Other Retail Complete Department Stores -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
-- -- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$530.00} {$530.00} -- Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$1500.00} {$1500.00} -- unkown unkown Two-Year payment history XXXX XXXXXXXX XXXX XXXX XXXX  Account # : XXXX XXXX -- High Balance : {$300.00} {$810.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$750.00} -- Closed Date : -- -- -- Account Rating : Open Open -- Account Description : Terminated Authorized User -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank Bank Credit Cards -- Account Status : Open Open -- Payment Status : Current Current -- Creditor Remarks : -- -- -- Payment Amount : {$0.00} {$25.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$250.00} {$800.00}
Consumer complaint received 2016-01-29
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (AL)

This is a dispute to complaint XXXX, something is wrong with the page. I was contacted to be informed that they needed more time to complete their work and it would be another week. I then told them to continue to respond to me in writing. This is the reason it want them to respond to me in writing, so it wo n't be any miscommunication. Ask them to play the recording. Assessed value, nothing. from XXXX till now I have only received one tax bill and that is for XXXX. It is classified as a business. Escrow questions, prepaid amounts for HUD insurance, prepaid amounts for PMI insurance, no explanation,. They are still researching the title issues, the second mortgage to the city of XXXX, and the initial appraisal value. The mortgage co have had this loan since XXXX, I filed this complaint in XXXX XXXX, its very apparent that they are not going to answer my questions. Still waiting on answers.
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VT)

My name is XXXX XXXX. I filed a complaint with Specialized Loan Servicing ( SLS ) on XX/XX/XXXX. The CFPB case number was XXXX. I will include a pdf attachment of SLS 's response as well so that the responding agent may recall the case.

The response from SLS did not include an email address, or contact information to any specific agent to further communicate with them so I'm forced to make another complaint. Only a toll free number was included which is not helpful in this case. 

" If you have evidence of payments made that are not reflected on the pay history, we request you please submit proof of payment ( either a copy of the front and back of the cashed check or an unredacted copy of the bank statement reflecting the electronic payment to SLS for further research. ) '' Please see the attached document ; a copy of the bank statement reflecting the electronic payment to XXXX for further research. As previously stated, XXXX has shown proof they sent those payments over to SLS. 

I understand that my monthly mortgage and escrow payment increased by roughly XXXX XXXXXXXX XXXX. However, during that time, I was also making payments directly to my insurance. My insurance company had stopped collecting payments from my mortgage holder as well. 

I want to make this point abundantly clear ; I have never missed a mortgage payment since XXXXXXXX XXXX XXXX when I started making electronic payments. Please see to it that the proper research is conducted to allocate the funds in question. The funds being ; my electronic mortgage payments during the months of XXXX, XXXXXXXX XXXX  XXXX. 

Lastly, in the response by SLS, they confirmed that they received both my payments of {$910.00} on XX/XX/XXXX and {$910.00} on XX/XX/XXXX. I was forced to make those payments by your company, even though I had paid consistently each month ( via electronic payments ). SLS can not justifiably say they did not receive those payments because I have documented proof from XXXX that each mortgage payment ( in the amount of {$800.00} ) was forwarded to SLS. 

In summation, I need to be refunded either the three months of regular payments ( XXXX, XXXX, and XXXX ) or the XXXX additional payments made in XXXX ( the XXXX and XXXX ).
Consumer complaint received 2021-11-13
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. (AL)

Disputed an acct and TransUnion removed it XXXX XXXX then reported back on the report XXXX XXXX. I have pics to submit. The account was not opened by me is was a fraudulent acct and has been moved from all the agencies before now its back on all 3 reports. 
XXXX XXXX XXXX was removed by TransUnion just to put back on in another day. Please investigate as to why this has occurred.
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX ACCT # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which is still LAWFUL and has forbearance and credit reporting requirements that may apply to my situation. Since there is no law under the Fair Credit Reporting Act requiring XXXX XXXX  to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. XXXX XXXX XXXX policy does not supersede FEDERAL LAW. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Consumer complaint received 2022-05-19
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. (CA)

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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.