davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CO)

When I closed on my home in 2015, I was made to understand that I have 1 month of payment free. I mistakenly made a payment in the month I was supposed to get for free. The bank that my loan was transferred to, Wells Fargo, has been harassing me since 2015 that I am owing them. Sometime, XX/XX/XXXX or XX/XX/2015, I got a letter from Wells Fargo not to make a payment in a certain month. I took this letter to Wells Fargo and they took it from me and never returned it back to me. Since then, I have researched, through Wells Fargo Home Mortgage experts, and they found out that I actually made an extra payment in 2015 and it was credited to an escrow account. Recently, they reported me to Credit Bureau and this has been negatively affecting my credit score. They have also been but extra payment defaults against me. Please I need your urgent intervention for this unwarranted harassment.
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I personally closed ALL my accounts with Bank of America XX/XX/XXXX and relinquished all my Bank/Visa Cards to the customer service representative for disposal. There were no transactions on my credit card as of XX/XX/XXXX. I have still been receiving monthly statements for interest-upon-interest ; I called Customer Service and they confirmed ALL accounts had been closed. I no longer have access to the account. On XX/XX/XXXX, I called a number on a Bank of America email received and spoke with XXXX XXXX in Collections, advising me they were about to Charge Off the amount to my Credit Report! This is when I first discovered two charges each for {$99.00} from XXXX, XX/XX/XXXX and XX/XX/XXXX, one charge which was reversed XX/XX/XXXX. I no longer used XXXX XXXX however the Billing Dispute person XXXX stated I wasn't allowed to open a dispute and if a preauthorization from 10-years prior was presented on a closed account, they could open the account and process it. I told her that was fraud ; she rudely responded she had a business degree and had the right to do it! I asked to speak to a supervisor and was connected to XXXX XXXX, he spelled out his last name and proceeded to give me the same spew, telling me I wasn't allowed to open a Billing Dispute. I asked for his Supervisor, XXXX XXXX XXXX, ( XXXX ) and left a message and my number, however he never returned my call. I called XXXX and they immediately refunded the second amount {$99.00} which was processed XX/XX/XXXX. I called XXXX XXXX XXXX again and left another message with all the details, emailed the XXXX Receipts, but haven't received any acknowledgement to this date, XX/XX/XXXX. My account was submitted to Charge Off and the Bank of America actually has a credit on my account that they have not tried to refund to me. They are still sending me statements on a closed account!
Consumer complaint received 2021-03-03
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

In XXXX my mother was scammed into a Reverse Mortgage by her insurance agent working with XXXX XXXX XXXX XXXX, this was then turned over to Nationstar HECM Mortgage, My mother did not need a reverse mortgage. she was XXXX XXXX and her house was fully paid for ... My mother had enough other income. After about a few years into the mortgage they started calling my mother for no reason. She became very upset. My mother had health problems and the chimney backed up with smoke/ My mother file with the house insurance company and hired contractors to fix the damages to the house. Nationstar, and somehow now we have Champion Mortgage playing tag team. mother was always in tears and crying. The insurance company would send the checks in mothers name and the insurance company name, Well, now this end up being Champion Mortgage, At this point. Champion Mortgage would hold the checks for a very long time, even months so that my mother would not have the money to pay the contractors with the insurance money ... The contractors would Stop work! Then in XXXX Nationstar jumps in and starts a foreclosure stating house repairs not done! - My poor mother, However, their Mortgage Servicer Champion was holding on to the money, keeping the work stalled! and when My mother called them she would get transfer to different people all the time. She would say I need you to send the checks back so I can pay the contractors. They would humor her and say we will call you back! that call never call regarding getting the check she sent to them for their signature to repair. by this time my mother was in and out of the hospital. she had no representation at the time of the Reverse Mortgage and didn't understand they could take our family home this way. My mother 's house was stolen for $ XXXX now they want over $ XXXX these people XXXX  my mother up until she died on XX/XX/XXXX she had a foreclosure Court date the day so after she died. My mother last words don't let them take the house. This was the biggest Scam on a elderly women, in a XXXX XXXX at XXXX years old. This house belongs to me not Nationstar, My mother died at XXXX
Consumer complaint received 2022-05-13
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2022-11-19
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. (MS)

XXXX XXXX  is reporting that I opened a card XXXX of 2022 I did not. 
Their reporting 0 % usage of {$200.00} This is not my account.
Consumer complaint received 2022-05-13
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Have All 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.

All of the accounts listed above have violated BOTH of my federally protected rights.

Delete all of these accounts immediately, or be held {$1000.00} per violation.
Consumer complaint received 2022-05-13
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. (NY)

in accordance with the fair credit reporting act XXXX  account # XXXX. has violated my rights 15 u.s.c 1681 section 602 A.states i have the right to privacy 15u.s.c 1681 section 604 A section 2 it also states a consumer reportiong agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I sent letter certified to both XXXX  and Experian over 45 days ago regarding inaccurate accounts that are reporting that XXXX has already removed due to not being able to properly verify these account. I was under the impression that all reporting must be accurate as this is not the case. This is causing me more stress in my life and I would like to this matter to be resolved and not just an update that they are still working on it. According to the FCRA if inaccurate unverfiable information is not completed within 30days of receipt of the letter it must me removed. I have tracking information showing they have received my letter XXXX  XXXX # XXXX and Experian tracking # XXXX I thought you guys assist in protecting the consumers because its past 45 days and I should not have to deal with something reporting inaccurately that is no fault of my own. How is it that XXXX  was able to get this done and these two bureaus are not where is the accountability
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

A balloon payment is due on the second mortgage XX/XX/XXXX in the amount of $ XXXX about. The company is Select Portfolio Servicing XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I have been working with the company since XX/XX/XXXX for a term extension of a few months. We are working on a 103 year old house to get it ready for the spring market. My wife is an experienced top realtor in our area. We can fix the house or pay off the second but can not do both which we have told SPS many times on recorded lines. The house is un-sellable without the deferred maintenance items remitted. We have provided SPS with front and back check copies for $ XXXX of contractor work to date. We have offered in writing to pre-pay any term extension. We can not refinance as I am unemployed do to COVID and my wife 's business has been negatively impacted. 

SPS says they can not extend term or help us because we are current on the loan. None of their loan modification products appear to address being current and asking for short term extension. They have told me numerous times that is because of federal rules which I do not believe to be the case. 

Just got off the phone with SPS ( noon XXXX XX/XX/XXXX ). The agent implied that I could make my regular {$550.00} XXXX payment on line on their site and it would be accepted. He also said for us to apply again for loan modification XX/XX/XXXX which we will do. 

We are trying to not have our credit harmed when we miss the XX/XX/XXXX balloon payment while making our normal monthly payment. 

I have documented every call and there are lots. The CFPB web sight shows 25 complaints on SPS in XX/XX/XXXX alone and XXXX CFPB complaints over the past 3 years.
Consumer complaint received 2023-03-17
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account Number : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Atlanticus Services Corporation (NC)

Sent several dispute letters about inaccurate information being reported to consumer reporting agencies along with asking for general disclosures 15 USC 1638 so I can know my consumer rights with this financial institute. I've sent 2 negotiable instruments for payment in XXXX and XXXX ; the company has failed to comply with the law regarding negotiable instruments. I haven't received the negotiable instruments remittance back from Fortiva or a letter of dishonor stating why they were not accepted which the law clearly states these are the steps that should be followed. Before the account was closed in XXXX and I disputed the billing errors ; Fortiva charged me late payments the same day the bill was due XXXX and XXXX. The account has be closed since XXXX and I'm still waiting on a response from my disputes letters sent in XXXX and with the account being closed Fortiva has failed to comply with the law reporting late payments interest while the closed account is under dispute.15 U.S. Code 1681s2 I have XXXX emails from the company Attempting to collect a debt from XXXX. The list of violations from this company and there negligence is something I've never experienced. 

FORVITA ACCOUNT # XXXX
Consumer complaint received 2023-03-17
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: GOLDMAN SACHS BANK USA (CA)

In accordance with the Fair Credit Reporting Act this creditor, Apple Card/GS BANK USA has violated my rights. Under Act 15 U.S.C 1681 SECTION 602 SAYS I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 section 604 A section 2 also states " a consumer reporting agency can not furnish an account without my written consent. Under 15 U.S.C 1666B, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2019-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (CA)

My name is XXXX XXXX with the XXXX XXXX XXXX account number XXXX. This company tries to charge me on the equipments I already sent them back through XXXX. They provided me with a email that how I can send my equipment and I did exactly what they did. But after a while I saw a report on my credit report that I owe them money for the equipments. I showed the collection agency the tracking number and the case was removed from my credit report. But now again same report appeared with different collection agency for the same account again. Now I am not in the position of the tracking number after a year but Im sure the ups store does have the tracking number since they have contract with them. This act is a fraud because they want to charge me for something I already paid them back. I canceled their service after a week I used their service because of poor connection I had with XXXX XXXX XXXX. They also opened two account under same device for the same apartment number. They promised to escalate the process for me but every time I call them they wont get any result from them
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT XXXX. XXXX XXXXXX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (GA)

I opened an account with Regions Bank in branch in XXXX, GA on XX/XX/2020. I opened the account in response to a promotion offer I received via U.S. mail. The promotion entailed opening a checking account and completing XXXX debit card transactions within 30 days to receive a {$400.00} bonus. The bonus is to pay XXXX days after completion of the XXXX debit card transactions, or approximately 120 days from account opening. I have completed the requirements and have not received the account opening bonus. I have worked with the branch starting on or around XX/XX/2020 and they keep saying they're working on it. They admitted other customers have not received the bonus. I beliece this to be a XXXX concern that needs to be investigated.
Consumer complaint received 2022-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (SD)

I have created many complaints on behalf of AES for not allowing me to put me in a payment plan where my payment goes to my principal is a respectful way. I pay {$270.00} a month and cents only goes to my principal. If you see my payment history, it hardly touches my principal. THIS IS WHY WE NEED REFORM AND NOT A GOVERNMENT BAILOUT! 

- see payment history attached
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (TX)

On XX/XX/XXXX, I filed an XXXX credit dispute [ Report Number XXXX ] with Aidvantage regarding false and incorrect information on my XXXX credit report relating to a 90-day late payment on nine education loans with the agency listed solely in XX/XX/XXXX, despite that according to its own records my loans were on-time and current for XX/XX/XXXX and preceding. [ The same is true for reporting on XXXX and XXXX ]. The dispute and investigation returned back with no changes made to the reporting. 

On XX/XX/XXXX, I spoke with XXXX agent XXXX regarding the dispute above report, asserting that a 90-day late payment can not exist immediately following the agencys own reported on-time payment the month prior and that I was seeking remedies to the agencys and Aidvantage 's failure to correct the issue. To this end, XXXX, in recorded statements, stated the following ( consecutively ) verbatim : XXXX ( XXXX to XXXX ) : I just want to see what other dates where theyre showing anything past due because it doesnt make sense youre right it doesnt make sense that it goes from nothing past due all the way up to 90 days late. So lets redispute it and we can get those facts in. 

XXXX ( XXXX to XXXX ) : It is showing current on XX/XX/XXXX... then it went straight from current to 90 days ... they reported twice in that month... that's strange... they reported on XXXX and they reported on, again, the same month, XXXX that you were 90 days late ... '' XXXX ( XXXX to XXXX : " There's definitely things they need to fix ... and people think that XXXX can fix it and we can't, we can only be kind of your in-between person helping you get it disputed... I know it's frustrating but I'm going to go ahead and put that it shows 'on-time and current ' on XX/XX/XXXX ... '' XXXX ( XXXX XXXX XXXX ) : This should not be showing 90 days past due It showed on time and current on XX/XX/XXXX. Then went directly to 90 days late and reported twice on XX/XX/XXXX and XX/XX/XXXX. 

I would go to file a dispute again given Kims claim that she would be providing the additional information, as well as her own accounts based on the information she gathered and perceived on XX/XX/XXXX [ Report XXXX XXXX ]. However, this dispute, too, would be denied any changes, alterations or explanations. 

See the recording between XXXX and " XXXX '' at XXXX. Time stamps refer to audio time locations.
Consumer complaint received 2023-03-17
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Fay Servicing, LLC (OR)

I am having problems with Fay Servicing 's nefarious tactics. I took out a balloon loan from XXXX XXXX services in the amount of {$220000.00} to remodel my house and convert it into a short term rental property in XXXX, Oregon. This was a success. The total value of the property increased by more than {$350000.00} and brings in XXXX to XXXX XXXX a year in net income. The balloon matures at the end of XXXX so I have been taking action, for months, to get into a XXXX loan and pay the balloon. My coverage ratio is about XXXX, well above the minimum. My new service company, XXXXXXXX XXXX XXXXXXXX needs one final piece of documentation to send it to underwriting, Verification of Mortgage. We have both been contacting Fay Servicing daily for weeks to get the request. They outright lied to my new loan officer, claiming they indeed filed the request. A week later, after inquiring of the request, there is no record of the request. I have concrete evidence of this, an email verifying the request from Fay Servicing and a second email from my new officer saying Fay Servicing never filed an actual request. They are trying to drag this out on the Balloon until I am liable for {$110.00} dollars daily interest payments. After researching Fay Servicing more, I discovered they practice these types of deception often as I am sure you know. Thank you for your time, XXXX
Consumer complaint received 2022-05-13
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 2022-05-13
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. (MD)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions