davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (DE)

I contacted XXXX XXXX, a realtor, about buying a house in XX/XX/XXXX. She highly recommended XXXX XXXX as a mortgage originator. I first spoke to XXXX XXXX around XX/XX/XXXX about applying for a mortgage loan and at the time my credit finances were not in order to qualify for a mortgage loan. I contacted him again in XX/XX/XXXX as my finances and credit would now qualify me for a mortgage loan. In all of the conversations throughout the years I stated I wanted to use my veterans status to qualify for a VA mortgage. When I first inquired about a mortgage loan I worked at my job for two years, which was an incentive based job and that qualified me for a VA loan at that time. I left that job and started a position with a different company that was salary based for 1 year. I then started a job that was once again incentive based, which I am currently working at and have been for 1 year and 6 months. When I once again spoke to XXXX in XXXX I indicated my work history was 2.5 years of incentive based income XX/XX/XXXX-XX/XX/XXXX, 1 year of salary based income XX/XX/XXXX-XX/XX/XXXX, and now 1 year and 6 months of incentive based income XXXX-current. I have included the timeline of conversations with XXXX. 

XX/XX/XXXX - I was pre-qualified for my mortgage XX/XX/XXXX - XXXX confirmed that I would qualify for a VA supplemental loan XX/XX/XXXX - The underwriting process started with AnnieMac for my VA loan XX/XX/XXXX - Transfer of funds from XXXX mutual fund for the FHA mortgage loan closing cost. 
XX/XX/XXXX - I send XXXX my W-2s confirming my work history : XXXX, XXXX, and XXXX XXXX. 
XX/XX/XXXX - I met with XXXX to discuss my financial status and credit worthiness XX/XX/XXXX - I emailed XXXX my assets that would improve my financial worthiness. 
XX/XX/XXXX - I was conditionally approved for a mortgage loan. 
I did not confirm if I was approved for the VA mortgage loan, however I never discussed any other type of mortgage loans other than the VA mortgage loan. I felt ask if XXXX know I had access to the assets if needs to cover mortgage cost, however I did not need those assets to cover any mortgage loan cost or fees. 

I reported my grievances through a company survey. I reported the following : 1. Taxes paid due to using mutual funds for closing cost. 
2. Having to pay mortgage insurance premium ( MIP ) with the FHA mortgage loan that does not benefit me at all. 
3. Not having the opportunity to ask for 6 % closing cost with FHA loans, compared to VA loan that has a maximum of 4 %. 
4. Not having a the opportunity to work overtime to pay of closing cost or the FHA mortgage loan. 
5. Not having the opportunity to use the Supplemental Funds with a VA loans.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (ND)

I am nearly due to start paying back my loans so I was going to call  XXXX   XXXX  to arrange payments. The first number   XXXX   provided was a scam and the company I called pretended to be Fasfa. They got me to give them a password request change number without realizing it until it was too late. Which gave them access to much personal information besides what I had provided. As soon as I hung up I started to try and rectify the problem I Had created. I contacted the bank, fasfa, the department of education, local law enforcement,  XXXX , etc.   In total I was scammed to give up information to a company that acted as though the were fasfa only later on saying they were not a government affiliated site.They are going by the name  XXXX   XXXX   XXXX   XXXX  Phone: XXXX  The attorney generals office informed me to submit a complaint here.
Consumer complaint received 2020-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Months ago I was using my Bank of America Checking account for my personal needs, get my paycheck the companies I work with and everything was ok. 
One day I went to the branch located at XXXX XXXX to request the cancelation of my credit card once I wanted to be free of Debt. Once the employee ( Think his name was XXXX, but not sure ) saw the type of account I was using, he told me there was a better account to avoid my maintenance monthly fee, just setting a minimum Direct deposit and it would be cheaper than the XXXX dollars I was currently paying, that sounded good and I accepted the product change. A few months later I was checking my statements and I found that the new type of account the employee gave me comes with a XXXX dollars Overdraft fee and he never told me about it, it was supposedly better for me and now I see Ive paid 2 Overdraft fee in XX/XX/XXXX in  XX/XX/XXXX in XX/XX/XXXX. Which means {$150.00}, In XXXX when I found what was happening I started changing my paycheck to another bank and I called to customer service to inform about this and claim the funds once nobody told me and I felt abused, but they told me that I should go to the branch and put the claim there, they cancel my debit card stating that once the close the account I couldnt get any money back. I went to the branch one day and Ive waited for 20 minutes while the person at the door could find someone who could take care of me and they were just in the back talking and talking and then Ive been told I could wait until the same financial advisor could talk to me. By the way not in a nice way. 
I dont understand why they didnt help me and customer service just said they couldnt either.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SCA Collections, Inc. (NC)

SCA Collections in XXXX NC placed a collection on my credit report for {$29.00} on XX/XX/XXXX and one for {$69.00} on XX/XX/XXXX from the same creditor XXXX XXXX XXXX. I contacted SCA collections directly and told them that ALL my bills from XXXX has been paid in full and requested them to take this off my credit report with the 1st reported {$29.00} and they refused and was very rude and unprofessional on the phone. So I contacted XXXX XXXX XXXX and spoke with XXXX, XXXX and XXXX several times and they stated in quote, " I have looked all the way back to XXXX and you HAVE PAID ALL BILLS IN FULL, There are NO collections and they have had problems with SCA collections. '' They then told me that they will send a updated report to SCA Collections. I called SCA collections again when the {$69.00} collection appeared on my credit report and again they were very unprofessional and stated they were not taking it off my report until I paid them. I re-laid information back and forth for days trying to get this resolved. An XXXX dispute is in progress now and another XXXX dispute was requested because the first dispute verified my information was correct but no change was made to my credit report. I have now received a bill from SCA Collections for {$270.00} for XXXX XXXX XXXX and I am worried that they are going to post that as a collection on my credit report. They are fruadently recording collections on my credit report that don't exist and I really need your help getting these off my credit report. I want to file a complaint on SCA collections for fraud and their customer service was horrible, unjust and very unprofessional.
Consumer complaint received 2022-09-26
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. (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2017-06-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (CA)

This person has been calling for months claiming to be from the power company trying to save me money on bills. After  XXXX  the number I found it 's really a collection agency. They call multiple times a day even after I added the number to my reject call list.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (AZ)

Regrading this account XXXX XXXX XXXX XXXX. I believe that I may had been 28 days inXX/XX/2018 but not 30 days late. In regards to XXXX   XXXX XXXX. I believe that I may had been late 55 days in XX/XX/2018. Not 60 days late. Also to BESTBUY/CBNA XXXX. I may have been 29 days late in XX/XX/2018 not 30 days late. The FCRA Law require everything on your credit report to be accurate, valid and complete. This late payment is incorrect and should not be reporting on my Credit Report.
Consumer complaint received 2023-11-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (MI)

Sometime in XXXX of this year, I got a letter claiming I owe $ XXXX for " driving without a license '' in Texas XXXX I have never been to Texas nor driven outside of being taught how to drive when I was XXXX or XXXX. They've been bombarding my mother 's work with calls asking for me. The latest being XX/XX/XXXX. The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was a victim of the XXXX student loan defraud action after that school filed for bankruptcy. The Federal court ruled that all student loan debt associated with this school be discharged. I filed the necessary discharge paperwork with the Dept of Education in XX/XX/2019. 

The attached article -- https : XXXX - from XX/XX/2019 states that a federal judge rules last yer the the DOE delays in forgiving the student debt of defrauded students was ILLEGAL. The article points out that the Dept of Education continues to neglect pending applicatins now totalling 180,000 and that NO borrower has had their request approved or denied in more than one year.

Based on this information the three credit reporting bureaus should be deleting all my Federal Loans and XXXX loans showing on my credit report as continuing to do so will put them in violation of a Federal Judge 's order to discharge these student loan debts..
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (ME)

I have been trying to resolve this issue for many years. Wells Fargo Mortgage made a mistake in XXXX and I have been trying to resolve it with them via many routes. This mistake has resulted in over 50 reported past due account status updates on my credit reports as well as many late fees. It has affected my ability to get fair rates and credit approvals in other aspects of my life. I first wrote a letter on XX/XX/XXXX after many many attempts to correct the situation via customer service on the phone did not work. On XX/XX/XXXX a manager removed only 2 late fees and agreed that I was correct about Wells Fargo 's mistake. 

The error happened on XX/XX/XXXX when a partial payment was put towards principal instead of into unapplied funds for the next months payment. At that time, we were already paid half way through XXXX. Ever since then, there has been a snowball effect of where funds were applied and for what payment month. Currently per my payment records, we are paid through XX/XX/XXXX with our next payment being due XX/XX/XXXX. The company is claiming we still owe for XX/XX/XXXX. I sent the company a spreadsheet on XX/XX/XXXX with all payments since the beginning of the loan. I requested that they finally do what is right and remove all of the negative reporting, late fees, and update our statements to reflect that we have been current. 

I received a letter dated XX/XX/XXXX from XXXX XXXX an Executive Resolution Specialist stating that they would not be making any adjustments. She did confirm that WF placed the funds onto principal instead of into unapplied funds. 

I promptly responded with a faxed letter dated XX/XX/XXXX. I expressed that I would not continue to let WF incorrectly report my mortgage as they have done unjust significant damage to my credit and have greatly affected my life. I notified WF that I would be moving forward with several complaints. 

What they have done to me is unjust and erroneous! They refuse to correct their mistakes. I received another letter dated XX/XX/XXXX, from XXXX XXXX - Senior Vice President stating they would address my inquiry by XX/XX/XXXX. WF has a long standing reputation for being dishonest & deceptive, & I can not sit back and let them continue to get away with damaging my credit.
Consumer complaint received 2020-02-16
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: TRANSWORLD SYSTEMS INC (DC)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX  XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Any automated responses or E-Oscar verification is unacceptable. 

Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant and can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. You have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.
Consumer complaint received 2020-02-16
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: Experian Information Solutions Inc. (TX)

Someone stole my ID and Social and later used it to open the following accounts in my name fraudulently : XXXX XXXX XXXX. 
Opened : XX/XX/2018 Amt. XXXX I have provided them with the Police Report, Incident # XXXX, FTC Identity Theft Report # XXXX. They have the suspect in custody, they stole XXXX from their employer out of XXXX County, their hearing is on Friday.
Consumer complaint received 2020-02-16
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: EQUIFAX, INC. (TX)

Someone stole my ID and Social and later used it to open the following accounts in my name fraudulently : XXXX XXXX XXXX. 
Opened : XX/XX/2018 Amt. XXXX I have provided them with the Police Report, Incident # XXXX, FTC Identity Theft Report # XXXX. They have the suspect in custody, they stole XXXX from their employer out of XXXX County, their hearing is on Friday.
Consumer complaint received 2020-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone stole my ID and Social and later used it to open the following accounts in my name fraudulently : XXXX XXXX XXXX. 
Opened : XX/XX/2018 Amt. XXXX I have provided them with the Police Report, Incident # XXXX, FTC Identity Theft Report # XXXX. They have the suspect in custody, they stole XXXX from their employer out of XXXX County, their hearing is on Friday.
Consumer complaint received 2020-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

Please tell NewRez, LLC that we reject the breach of contract and the new terms including this ridiculous fee schedule flat out and that we only agree to abide by the terms of the original mortgage service contract. 

If NewRez, LLC argues that they are allowed to raise certain fees, fine then we only agree to have our fees raised by a reasonable 5 % in dollar terms. 

Also, if NewRez, LLC insist on a collective {$55000.00} fee for any litigation then we are instituting our own fee of {$100000.00} to NewRez, LLC for any litigation costs regardless of who brings the claim or the merits of the claim. That is just one or our new fees. Please also have the CFPB serve as the document holder for our Fee Schedule.
Consumer complaint received 2017-06-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. I am writing to request that Experian block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I will keep reporting this company every time my claim is denied, because they still cant seem to show me where and/or how my fraudulent charges were valid. They keep saying they did research and they can show me the information but no one does. Literally no one has yet to send me the information and Ive complained multiple times. The fraud and research department were absolutely no help and asking questions will only anger them. The only thing they say is the claim was denied because of the research found, but cant tell you what research was used. Its ridiculous, the company is nothing but a scam. I filed a complaint twice and they email me back in two days saying theyve researched the complaint and found no error. Thats literally their favorite word, thats literally all they ever say! And I dont understand how you complete a thorough investigation in two business days. Wells Fargo is a complete and utterly disgusting bank. But, I can assure if I was a white man instead of a XXXX woman things would be handled much different. I lost {$2000.00} and cant get it back. They can run camera footage, see the location, time, etc and see it wasnt me making those charges. I mean the charges were made in a completely different state, I mean come on. But they didnt try to rectify the situation or help me, they allowed my money to be stolen. They are fraudulent and deceitful, and this is literally the worse bank. I will continue to complain until my claim is awarded in my favor. Every time you all deny, I will complain a hundred times over.
Consumer complaint received 2020-02-16
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (GA)

I was looking at my credit report and noticed that I have a late payment on my report from a account that I paid in full. This is really hurting my credit. Wells Fago Educational Financial Service is stating that i have late payment on my history with them but have no proof that it was late. I had the payments on auto pay and I was never Late one time on my loan. The account was paid in full but its is inaccurately reporting on my credit report. This is causing me major problems in my life as i try to obtain more opportunities to expand my real estate portfolio. Please remove this from report. 

acct # XXXX It is also showing a partial account on my report which i did not authorize.
Consumer complaint received 2015-09-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

My Issue is with a 30 day late Carrington Mortgage Servicing is reporting on my loan. I made my XXXX payment on XXXX, XXXX, 2015. The XXXX payment was made XXXX XXXX, 2015. On XXXX XXXX, 2015, they reversed my XXXX payment and applied my XXXX payment towards the XXXX payment. I subsequently made the XXXX payment on XXXX XXXX. I am not sure why it took Carrington 35 days to reverse the XXXX payment. but when they did, the XXXX payment was there to be applied toward the XXXX payment. I am trying to complete an FHA streamline refi but XXXX XXXX at Carrington said I could not because of this XXXX late. 

I want this 30 day late removed from my credit so I can proceed with the refi. 35 days to return a payment is Unfair, ridiculous and has to be in violation of RESPA or FCRA. Please have then correct my credit