davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

This is the second complaint we have filed as when we called in the XXXX kept saying the DOB does get involved in Short Sale approvals. It's evident no one at the division of banking even READ THIS COMPLAINT as the information mailed to me in response was regarding CARRINGTON MORTGAGE and this complaint is NOT AGAINST CARRINGTON. This complaint is not regarding a short sale. 
This is regarding XXXX ( 2nd loan servicer ) sending a discharge of mortgage debt ( 1099C ) to homeowners in XXXX and then when they went to sell in XXXX they couldn't because the mortgage discharge was never recorded. When we attempted to contact XXXX they scrambled and said the entire debt was still due - however each homeowner is in possession of the 1099C which was dated XX/XX/XXXX. 
Per Massachusetts law Mass. G.L. c.184, 17B the mortgage servicer has 45 days to record a discharge once the mortgage debt is discharged. Mortgages must be discharged within 45 days of receipt of full loan payoff by recording and furnishing a copy of the discharge with corresponding recording information or providing a proper discharge to the person paying off the loan. If the DEBT is discharged in it's entirety there is no mortgage anymore. XXXX XXXX and XXXX XXXX XXXX mortgage debt was discharged in it's entirety. A discharge should have been recorded by XX/XX/XXXX. 
From XXXX : I have listed my house for sale. When title was pulled it showed TWO mortgages, however in XXXX my mortgage was forgiven by XXXX. XXXX was originally XXXX XXXX which was sued for giving out bad loans. My the debt was forgiven by XXXX with a 1099C in XXXX, but they never took the mortgage associated with this off of my title. Now I'm being told that even though they sent me a 1099C stating the debt was forgiven that that was a mistake and I owe the entire amount. This makes no sense. If the debt was forgiven via a 1099C then the mortgage should have come off my title at that time, but it was never done. On top of that how is it I now owe the debt that XXXX forgave? 

We have filed complaints with Division of Banking and the MA Attorney General 's office.
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX, I opened a new credit card with XXXX XXXX XXXX through XXXX XXXX and made a purchase of two items from XXXX in the amount of {$100.00} Unfortunately, the items did not work out for me and I made a return of one of the items in store in the value of {$36.00} on March 18 of 2018 and received a refund of that same amount. On XX/XX/XXXX, I made a return of the second item in store in the value of {$71.00} and received a return receipt showing my expected refund of ( - {$71.00} ). I waited for more than 3 weeks to receive this money back on my credit card as a refund but never did. I contacted the credit card company known as XXXX XXXX and they stated that I would have to file a charge dispute and fax them a copy of my return receipt so that they refund me the money. I did exactly that. About 2 weeks later, I received my money back and when I did, I called XXXX XXXX and closed my account with them. I was highly dissatisfied with their service and attempted FRAUD. 
On XX/XX/XXXX, I received a new statement from XXXX XXXX in the amount of {$71.00} after I had already closed my account with them. I immediately called them and they stated that the dispute, which I had submitted a month earlier, was declined and that I have to pay {$71.00}. I believe this is FRAUD - I have my receipt to prove that I returned this item and should have received my refund back.
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (MD)

This account was paid off by my insurance and GAP, never found out I ended up with a balance, but it was paid in a garnishment you will in the attachments that I have disputed this account on its balance and being late which I never was ...
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am currently an XXXX in XXXX on a temporary basis. I have tried to get my free annual credit reports but can no longer get them on the website. I contacted the credit agencies and was told that they will not give me my credit reports unless I have an address in the U.S. Since I am overseas, I do not have a current mailing address in the U.S. We are U.S. citizens, my husband works for a XXXX, we are paid in the U.S. , pay taxes in the U.S. and have bank accounts in the U.S. We should be able to get a copy of our credit reports to make sure there has been no fraudulent activity. I would like some assistance in this matter, please.
Consumer complaint received 2019-05-27
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. (NH)

I've never opened an account with XXXX XXXX. Maybe it is identity theft I don't know. 

XXXX XXXX  XXXX CC COLLECTION/CHARGEOFFCredit Cards {$1700.00}
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Home Loans Bui\lder Division is using illegal tactics to build their business within XXXX XXXX XXXX . They are doing this by partnering with an ESCROW service provider. ESCROW OF THE XXXX sales REP XXXX XXXX is very well connected within the builder industry. Wells FARGO Retail office and Builder office is opeining escrows with XXXX XXXX. As a retrun for this buisness, XXXX is telling builders to use WELLS FARGO as their preffered lender for the take out financing. XXXX is creating a false environment. making the process harder to sell for builders and harder to buy for buyers so that he can influence the builders vendors choice- XXXX has designed specific FALSE processes that make it harder for buyers to get loans from lther lenders. this way his choice of lender, Wells FARGO/ XXXX XXXX have the upper hand and they limit the buyers ability to shop for the best mortgage deal. XXXX XXXX creates an atmosphere that FORCES PEOPLE to use WELLS FARGO/ XXXX XXXX XXXX does this becase XXXX sends XXXX retial refinance transactions.
Consumer complaint received 2019-05-27
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. (NH)

I've never opened an account with XXXX XXXX. Maybe it is identity theft I don't know. 

XXXX XXXX XXXX XXXX XXXX/CHARGEOFFCredit Cards {$1700.00}
Consumer complaint received 2024-04-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services (PA)

I SENT A NOTICE AND DEMAND TO VALIDATE DEBT CLAIM TO MERCEDES BENZ FINANCIAL SERVICES ON XX/XX/2024 BY CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX WHICH WAS RECEIVED ON XX/XX/2024 BY MERCEDES BENZ FINANCIAL SERVICES FRONT DESK/RECEPTION/MAIL ROOM. FOR HERE ON OUT I WILL REFER TO MERCEDES BENZ FINANCIAL SERVICES AS MBFS. I EXPLICITLY GAVE NOTICE NOT TO RESPOND UNLESS MBFS CAN VALIDATE THE DEBT CLAIM WHICH THEY IGNORED. I RECEIVED A LETTER BACK FROM MBFS ( WHICH IS EXHIBIT # 2 ) IN THE DOCUMENTS I WILL BE DOWNLOADING. I RESPONDED BACK CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX ON XX/XX/2024 ( WHICH IS EXHIBIT # 3 ) WHICH I ALSO GOT NOTARIZED. MBFS SAID MBFS WEREN'T DEBT COLLECTORS AND I DISAGREED WITH PROOF SENDING THEM THE LETTER THEY SENT ME ( EXHIBIT # XXXX ) WHCIH WAS TITLED " NOTICE OF DEFAULT AND RIGHT TO CURE & INTENTION TO REPOSSESS '', UNLESS I GAVE MBFS {$8300.00}. NOW IF THAT IS NOT CONSIDERED DEBT COLLECTING THEN WHAT IS IT CONSIDERED AS? FURTHER MORE I RECEIVED A LETTER FROM XXXX XXXX who is the Head Of Customer Relations for MBFS DATED XX/XX/2024 STATING VERBATIM ( EXHIBIT # 4 ) FORTH paragraph. 
" Regarding your claim of exercising your right to rescind, please refer to the section of your contract titled " How This Contract Can Be Changed. '' MBFS ' position remains the same, declines your requests listed in the correspondence mentioned above. your correspondence does not cancel or satisfy any of the balance owed or any contractual obligation. your contract remains in full force and effect. '' I read what XXXX XXXX XXXX recommended that I read, which I did and that section stated that any change in the contract must be in writing which I did with proof. I also have a right to rescind which was ignored and disregarded. ALSO I WILL ENCLOSE THE CONTRACT AS WELL WITH THE CHANGES I INFORM MBFS OF IN WRITING ( EXHIBIT # 5 ) KEEP IN MIND ANY EXHIBITS THAT I SENT TO MBFS THAT ARE NOT FURNISHED WILL CONSTITUTE DISHONOR AND CAN DISRUPT THE FAIRNESS AND INTEGRITY OF THE ADMINISTRATIVE AND JUDICIAL PROCESS. ALSO ENCLOSED IS MY 1099A AND 1099C PROVING THAT THE DEBT WAS DISCHARGED. COMPLAINT
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Inquiries Attached is the letter from XXXX XXXX that states the inquiry from XXXX CARD date XX/XX/2017 should be removed. I don't now authorize this hard inquiry. 

I also noticed I still have an old inquiry from XX/XX/2017 that is still reporting I would like removed as well.
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Social Finance, Inc. (FL)

I got many calls today XX/XX/2019 from the same number XXXX and the people even left a voice message on my phone saying that they are calling from the Social Security on the voice mail it clearly states that they have found some very supspious activity with my SSN, I called the number back to see what the call was about and I was told that I am in trouble for money landing and drug trafficking the person said that his name was XXXX XXXX, I asked for an agent ID number and he told me ( XXXX ) the man tried to get me to give him my personal information and I was not willing to give my information the man then processed to tell me that My bank account is n the process of being frozen/ seeazed and that there is a warrant out for my assest the man then started to asked my have I ever been to the state of Texas and if so when was the last time I been there I then processed to hang up the phone and that's when I started getting back to back phone calls from the number non-stop
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hi CFPB, I'm at a lost now and hope you can help me find resolution. I've had 4 of my Credit Cards closed by Citibank within the last 30 days, which dropped my credit score by 94 points. They closed it due to inactivity for the past 24 months, which is fair, but no amount of fair warning was provided nor was a non-harmful resolution available by Citi. 

I've had two cards open since XX/XX/XXXX and two cards open since XX/XX/XXXX. All four were extremely helpful to my credit score 's history length section. These cards have not been in use for the past 24+ months, some of them have been sitting idle for the past 5-6 years. 

It is in the Citi 's cardholder agreement that the cards will be cancelled after 24months of inactivity, but this closing was someone at Citi that never did their job and decided to close every credit card all at the same time in this one month. 

Furthermore, the notice they gave me was sent via their website and telling me my account is closed. No fair amount of warning time was provided to actually use the cards and give me a chance at retaining my credit history. The Citi.com website 's message also disappears and deletes itself quite quickly. 

When I chatted with the Web 's customer service help people, they all kept transferring me to the next person and finally told me to call the customer service desk. When I finally did, the agent told me they can submit to reopen each account and each one will require a Hard Pull on my credit report. This will drop my score even further. Citi refuses to help me in any other way and was more than happy to get me off the phone. 

I'm coming to you as a last resort since I'm sure my credit score will never bounce back and will take an additional 5+ years of new clean credit history to build it back up. 

Thank for reading my complain. I apologize in advance if this seems trivial to the major issues other Americans are facing.
Consumer complaint received 2020-09-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

I have reached out by letter and phone to the credit reporting agencies about updating my personal information. and so far they have not complied, there are still addresses and names that shouldn't be on there, and I fear my identity has been compromised because of it.
Consumer complaint received 2019-05-27
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. (MO)

Item # Reason for Deletion Chapter XXXX XXXX My name is XXXX XXXX, and I am writing you because an entry appears of my credit report which states that I filed bankruptcy. Could you please explain to me how this might occur? From my understanding only the last four digits of an debtors social security number are released to third parties, pursuant to the Federal Rules of Bankruptcy Procedure. However it shows that my social is listed with these third parties on a Bankruptcy that is not mines and not my name but a name close to mines. Also, it is to my understanding from The United States Bankruptcy court for the XXXX District of Missouri that information is not provided to any credit bureaus ; therefore I do not understand how this was properly verified as accurate. Please advise on how you verified this information to have it listed on my credit report as accurate and true to be my filing. 

Chapter XXXX XXXX Same as stated above
Consumer complaint received 2020-09-15
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: EQUIFAX, INC. (TX)

To whom it may concern : On XXXX XXXX, I sent a certified letter to Equifax. The letter outlined how these 3 accounts were reporting wrong. I also sent my full credit report to them. I even went as far as circling these errors for their review. 
The report shows Equifax, that XXXX, and XXXX  were reporting that account # 's XXXX XXXX XXXX, as being Discharged in Bankruptcy. 
Equifax, as of XX/XX/2020, is reporting the selected accounts as being Charged Off. 

When these accounts were disputed with Equifax, the accounts were updated with erroneous status information. 
How can these accounts go from Included in Bankruptcy, to a Charge Off :? 
I would like to know Equifax 's method of verification. According to Equifax, these accounts were verified with the original source to be accurately reporting. If this statement is true, why did the status change from Included in Bankruptcy, to Charge off? 

After a Bankruptcy is discharged, the original creditor 's relationship is severed with the debter. No further reporting is required. Especially if it is reporting erroneous information out of spite towards the debter. 


In conducting any re investigation under paragraph ( 1 ) with respect to disputed information in thefileof anyconsumer, theconsumer reporting agencyshall review and consider all relevant information submitted by theconsumer. This did not happen. 

It is obvious that Equifax did not examine the enclosed supporting documentation that I sent them. There was no investigation by them. The e-oscar system does not take into account that the consumer might need an actual person to examine supplied information, to the bureaus, that could rule in the favor of the consumer. E-oscar only repeats the same negative information that is unverified with the original creditor. 

It is beyond belief, that with the current laws that are written to protect the consumer, that credit reporting agencies can be allowed to report information, that they physically did not verify. And if Equifax would have done an actual investigation, they could have seen that the discrepancies were very obvious to anyone that cared enough to view them. Equifax has failed to protect the consumer, from companies that report old or outdated information. 

I have enclosed the same report, that I originally supplied to Equifax. 

I pray that I have been clear.
Consumer complaint received 2019-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX XXXX has purchased an account from Capitol One that the person has similar names ; however, is not me. When asked in what was the social security number for the person the worker researched and said they did not have a social security number on file for this account. I asked them how could that be for all my accounts I have my social security number attached to them. After that call the lady had the account removed from the credit report stating she did not believe it was me. A few years later i started getting harassing charges and the representative was trying to get me to write fraud on the account but I refused because I stated to them how do I know its fraud on me if my social is not on this. it was then taking off of my other credit report only to reappear on another credit report a few months ago. Please help this is so annoying. Al my credit cards are up to date and I have not missed a payment on none of these accounts. this bad report is messing up my score and it is not okay. I have worked hard on my credit so no account that doesn't belong to me should be on there.
Consumer complaint received 2018-06-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

There is currently a cease and desist order in affect against Ocwen Loan Servicing and its dishonest employee XXXX XXXX from directly communicating with me. Opposing counsel responded to my consumer financial protection bureau complaint in the past confirming. Sadly once again, Ocwen Loan Servicing dishonest employee XXXX XXXX is directly communicating with me, which I believe she is only doing to play childish games and intentionally harass me like she has done many times in the past, Or maybe it could it be that Ocwen failed to correct its system glitzes that has cause millions of the pretender lender loan servicers borrowers harm.
Consumer complaint received 2024-04-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

In XX/XX/XXXX, my wife and I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX in XXXX, NC, in a community called XXXX. In conjunction with the offer to purchase, we opted to use First Citizens Bank ( FCB ) as they were recommended to us by the builder as a preferred lender. Upon making and finalizing our loan application in XX/XX/XXXX, I asked the mortgage officer, XXXX XXXX XXXX, if FCB could meet or exceed a competing lenders offer to provide us with {$5300.00} of assistance at closing. In an email response to me on XX/XX/XXXX, XXXX XXXX offered us a percentage rate of 6.75 % on the loan with {$6300.00} in closing assistance. In making that offer to us, XXXX XXXX did not stipulate any conditions, e.g., if the interest rate were to go down, then the amount of closing assistance would also decrease. On XX/XX/XXXX, approximately a week out from our closing date, we received a loan summary which indicated the closing assistance extended by FCB would only be {$3000.00}. Later that day, I had a follow-on phone conversation with XXXX XXXX and asked him directly why he was not willing to honor the offer he made on XX/XX/XXXX to give us {$6300.00} in closing cost assistance. His answer was : it was a limited time offer at a time when interest rates were hovering around 6.5 - 6.75 % in order to help us out. I pointed out to him that there were never any conditions applied to the original offer of {$6300.00}. At that point, I was told in a very direct tone that I had three choices : 1 ) I could accept the offer of 6 % and {$3000.00} in closing assistance ; 2 ) I could accept a higher rate of 6.5 % and get the {$6300.00} in closing assistance ; or 3 ) we could cancel the transaction altogether. Being only eight days out from closing and over the proverbial barrel, I felt I had no choice but to accept the terms he was offering per option XXXX. Later that same day in an email, he increased the closing assistance to {$5300.00} with locked-in rate of 6.00 %. On the day prior to closing, the amount was increased again by {$150.00} to a total of {$5500.00} due to an administrative oversight -- still less than what was originally promised. After closing, I took up the matter again with FCB and eventually connected with XXXX XXXX XXXX, Regional Vice President. On XX/XX/XXXX, I traded emails with XXXX XXXX and we eventually talked by phone. I replayed and amplified the entire exchange with XXXX XXXX for XXXX XXXX. His response in essence was : we did the best we could for you on closing cost assistance. He refused to acknowledge the original offer extended by XXXX XXXX and flatly refused any suggestion that the bank still owed us {$790.00}. The only point of agreement was that XXXX XXXX had acted in an unprofessional manner during our phone call on XX/XX/XXXX. He ended the call by assuring me I had personal access to him when the time came for us to refinance and he further suggested that FCB would do its best to provide us with a competitive rate and terms.