davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES (UT)

I received a letter dated XXXX XXXX in the mail from Provident Funding on Tuesday XXXX XXXX. The letter stated that my mortgage payment had been received, but that it was being returned because it was not for the full payment amount and that if payment was not received by XXXX XXXX ( already in the past ) I would be charged a late fee. I immediately got on the website to try and make a payment, but the website would not allow me to make a payment. I tried to submit a request to be contacted, as it was after business hours, but the website would not allow me to submit the request. The website simply was not working. On XXXX XXXX I called the customer service line and was told the wait time would be 2 minutes. After being on hold for more than 18 minutes I received a live person. After a painful phone call and several more waiting periods we found that the website truly was not working and I could not make a payment online. Therefore the fee to make a payment over the phone was waived, but the late payment was not. Provident states they sent a notice of my payment change. While I understand this may be true, the fact is I never received the notice, nor was it showing online as I clearly pointed out to the customer service representative who was on the phone with me while I logged in and was unable to get access to anything. With my perfect pay history to date and the fact that I sent my payment on time ( less the apparent change in escrow given the XX/XX/XXXX escrow analysis ) I am shocked that Provident will not step up to their multiple issues and waive the late fee. Their poor process and failures include : returning a payment, poor customer service, non-functional website, untimely delivery of a late notice and possibly not sending and escrow analysis change.
Consumer complaint received 2021-09-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

When I closed on my mortgage my understanding was that my mortgage would automatically be deducted from the account provided. During those first months I tried to register and login to my lenders website at loandepot.com but my account information was not recognized. The phone lines were hours long waits. Eventually I stayed on the line and found out my account was past due 30 days. The associate walked my through registration at loandepot.com/loanadministration, which wasn't intuitive. I XXXX  the account that moment. 

The nearing the next payment I checked the site to find {$0.00} due, which did not seem right, I called to doublecheck my account were current and enable auto-payments. The associate assured no balance was due and that auto-pay was enabled. I was then pinged for 30 days late again. I have been and followed all of their processes for resolution. I have spend hours on hold just to be transferred. They has me send internal messages, use live chat, send faxes, send metered mail and wait long lengths for replied. They would only reply " The payment was made 30 days late ''. But my inquiring to them was addressing the misinformation I was givent. 

I feel these should not be on my credit report because I was able and did make the payments when I was able to view the balance. The website showed a {$0.00} balance, the associate assured me the balance owed was XXXX, and that autopay was setup.
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

Apparently someone try put money in account. They said didn't know where came from.Except money good and sent me a check. They said they closed my account. Yet didn't and didn't sent me my {$50.00} deposit. Told me try wells fago easy pay card. But wont me get cuz apparently this account open but it isn't. And apparently i got to wait 10 years open new one. When i did nothing wrong and apparently money was good.
Consumer complaint received 2015-03-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Express Recovery Services, Inc. (UT)

I recieved a letter From Express Recovery Services, a collection company. XXXX, XXXX XXXX XXXX XXXX XXXX, Utah XXXX regarding a debt that had previously been discharged in a Bankruptcy.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Date of inquiry : XX/XX/XXXX XXXX- Date of inquiry:XX/XX/XXXX
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (IA)

Due to hardship we had to do a mortgage loan modification for both our first and second mortgage in XX/XX/XXXXwith XXXX XXXX XXXX ( government program HAMA ). Upon completing that, the letter we received later in XX/XX/XXXXstates that our second mortgage loan was in default, was being transferred to Nationwide Credit Inc. but it never states that our loan was going to be charged off. Since then we have made every payment for over 5 years like clockwork. 

Sometime between XX/XX/XXXX and XXXX XXXX " merged '' or " sold to '' or " hired '' XXXX mortgage services. We now receive statements for both our first and second mortgage from XXXX on XXXX letter head. However, the statement for our second mortgage on XXXX letter head instructs us to send the payment for just the second mortgage to Nationwide Credit. We find this deceiving and gave us the impression for over 5 years that  XXXX/XXXX still held our loan and had not charged it off. 

Now XXXX has reported to at least XXXX and XXXX  ANOTHER CHARGE OFF in XX/XX/XXXX ( how can they charge it off twice )? We can prove they charged it off in XX/XX/XXXX and are now charging it off AGAIN in XX/XX/XXXX ( at least according to our credit reports ). Also, we believe our credit reports are changing almost weekly since we filed the complaint with XXXX/XXXX/Nationwide ( we are not sure which company we should be dealing with? ).  We think they are trying to change it to cover their tracks or dates etc. We have pictures of different report dates etc constantly. 

Both XXXX and XXXX are wrong. But, specifically XXXX is bogus, it even reports a highest balance of {$0.00} for our second mortgage, {$0.00} paid on that loan but then shows a balance of over {$30000.00} and shows as a " charge off '' in both XX/XX/XXXXand XX/XX/XXXX. 

How can you charge a loan off twice 5 years apart? And report a late payment when we have made payments for over 5 years like clockwork? 

How can a company charge a loan off twice 5 years apart after we have made the payments AND they send statements from the same company even though we are sending payments to a third company? 

This slight of hand and bogus credit reporting is ruining our ability to function and get any consumer and business funding/capital. 

We have attached two pictures below that show two charge offs, one in XX/XX/XXXX and one in  XX/XX/XXXX. You can also see that it reports we have paid off {$0.00} of this loan. We paid off almost half of this loan. It also shows highest balance as {$0.00} yet a balance of {$35000.00}. I mean nothing on this is correct. 

We have been trying to resolve this for over a month with the company and are getting nowhere. We are now filing this complaint and have hired an attorney.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (CA)

Through XXXX, I submitted information for pre-qualification only. On the website it stated there would only be a soft credit check. Flagship Credit Acceptance was never authorized to run any hard pull of my credit as it was only meant to see possible rates with no affect on my Credit.
Consumer complaint received 2021-07-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (IN)

Tried to send money through Western Union from the United States to XXXX. My bank declined the first time and I called them to let them know I authorize the transaction. Resent the money and Western Union put it on hold. When the person I sent it to went to pick it up there was hold. I called Western Union and they would no send my money without asking very personal questions. They asked my relation, what i was sending the money for, were the funds bein used to handle a transaction for me ... ..I asked them to cancel the money transfer that I will send it through XXXX who I've never had any problems with before. This is my hard earned money and who and for what reason I send it is my business and this was invasion of privacy. Find other ways to verify that it's me and I'm sending money.
Consumer complaint received 2020-02-26
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. (AR)

My bank called me and told me there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it was not mine. I then later that day got a second call from another bank and I immediately knew my identity had been stolen. I got online and made a account with XXXX  XXXX and got a copy of my report. For several years my name and social was used to open accounts that are not mine. Please remove these items from my credit report. 

XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX {$1200.00} DEPT OF EDUCATION/XXXX  XXXX {$26000.00} XXXX XXXX XXXX {$400.00} XXXX/XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX  XXXX XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (IA)

Due to hardship we had to do a mortgage loan modification for both our first and second mortgage in XX/XX/XXXX with Ocwen loan servicing ( government program HAMA ). Upon completing that, the letter we received later in XX/XX/XXXX states that our second mortgage loan was in default, was being transferred to XXXX XXXX XXXX but it never states that our loan was going to be charged off. Since then we have made every payment for over 5 years like clockwork. 

Sometime between XX/XX/XXXX and XX/XX/XXXX Ocwen " merged '' or " sold to '' or " hired '' PHH mortgage services. We now receive statements for both our first and second mortgage from PHH on PHH letter head. However, the statement for our second mortgage on PHH letter head instructs us to send the payment for just the second mortgage to XXXX XXXX. We find this deceiving and gave us the impression for over 5 years that Ocwen/PHH still held our loan and had not charged it off. 

Now Ocwen has reported to at least XXXX and XXXX ANOTHER CHARGE OFF in XX/XX/XXXX ( how can they charge it off twice )? We can prove they charged it off in XX/XX/XXXX and  are now charging it off AGAIN in XX/XX/XXXX ( at least according to our credit reports ). Also, we believe our credit reports are changing almost weekly since we filed the complaint with Ocwen/PHH/XXXX ( we are not sure which company we should be dealing with? ).  We think they are trying to change it to cover their tracks or dates etc. We have pictures of different report dates etc constantly. 

Both XXXX and XXXX are wrong. But, specifically XXXX is bogus, it even reports a highest balance of {$0.00} for our second mortgage, {$0.00} paid on that loan but then shows a balance of over {$30000.00} and shows as a " charge off '' in both XX/XX/XXXX and XX/XX/XXXX. 

How can you charge a loan off twice 5 years apart? And report a late payment when we have made payments for over 5 years like clockwork? 

How can a company charge a loan off twice 5 years apart after we have made the payments AND they send statements from the same company even though we are sending payments to a third company? 

This slight of hand and bogus credit reporting is ruining our ability to function and get any consumer and business funding/capital. 

We have attached two pictures below that show two charge offs, one in XX/XX/XXXX and one in  XX/XX/XXXX. You can also see that it reports we have paid off {$0.00} of this loan. We paid off almost half of this loan. It also shows highest balance as {$0.00} yet a balance of {$35000.00}. I mean nothing on this is correct. 

We have been trying to resolve this for over a month with the company and are getting nowhere. We are now filing this complaint and have hired an attorney.
Consumer complaint received 2019-10-15
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (IL)

I noticed a new auto loan pop up on my credit report that I did not approve. I contacted XXXX, which I was employed with at the time and found out that they sent in paperwork for a customers vehicle in my name. I quit, filed a police report, and ftc report within a few months of the incident. I contacted WestLake FinanciaXXXX and they were unwilling to accept all of the documents that I have submitted to them. I have been ignored by the main contact that has been assigned to investigate this matter.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

AMERICAN EXPRESS Inquiry : XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

Subject : Complaint Regarding Unjust Charge on Previously Settled Account with Citi To Whom It May Concern, I am writing to formally lodge a complaint against Citibank regarding an unresolved charge on an account that was previously confirmed as settled. In XX/XX/2024, I proactively reached out to Citibank, contacting their designated support line to inquire about the final balance on my credit card account. After confirming the outstanding balance, I provided my payment information and settled the amount in full during that call. Furthermore, I was informed by the representative that my account would be closed due to a history of late payments, with an additional stipulation that I would be ineligible to apply for a new card for a six-month period. 

Despite these assurances and the understanding that my account was fully settled and subsequently closed, I was perplexed to receive a billing statement dated XX/XX/2024, for my account ending in XXXX, indicating a current balance of {$3.00}. This bill is not only unexpected but also unjustified, given my prior clearance of the account balance and Citibank 's decision to terminate my account. 

The persistent requests from Citibank to settle this minor and unwarranted charge are not only inconvenient but also cause undue stress, considering my efforts to responsibly manage and settle my financial obligations with the institution. 

I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter. It is my hope that through your intervention, Citibank will acknowledge the oversight and rectify the situation by absolving the erroneous charge and providing confirmation of the same.

I look forward to your support in resolving this issue promptly and am willing to provide any further information or documentation as may be necessary.

Thank you for your attention to this matter.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Disputed inaccurate account info with all three credit agency 's and they did not comply with disputes and did not remove accounts from credit report during disputes for inaccuracy 's. They did not provide appropriate documents for the dispute results or provide original documents with original debtor reports verifying my info or that I authorized my info to be published or sold to third parties or was responsible for said debts. They have violated my rights under the fair credit act to accurately display my info. 

The accounts in question are : Account name XXXX Account number XXXX Account name XXXX, XXXX. 
Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX
Consumer complaint received 2019-10-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

1. XX/XX/XXXX, I spoke with Wells Fargo mortgage rep, named XXXX, XXXX, ext, XXXX. She confirmed that my mortgage payment would remain the same, ( {$1200.00} ) from XX/XX/XXXX to XX/XX/XXXX. This was related to the escrow buy-down, I paid on XX/XX/XXXX, for {$410.00}. 
2. XX/XX/XXXX, an escrow analysis was generated for a shortage due, {$300.00}, due before XX/XX/XXXX. I called WF & advised of the payment arrangement given on XX/XX/XXXX. Their response was the agent made a mistake in calculation & will not honor it. 
3. If WF made the mistake, I should not be penalized. I am requesting that the mortgage payment stays at {$1200.00} till XX/XX/XXXX as arranged. 
4. Another major issue is that WF discontinued the escrow " buy-down '' process. This had helped in the past to control the payment, but now is discontinued. 
5. Wells Fargo is not customer friendly at all. I am just a number, & I have prefect credit with all my WF accounts. When a supervisor says they will return my call, they don't & never answer when calling their extension. WF is not interested in helping with my payment, which is very important to me.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (TN)

Jefferson Capital System LLC is reporting information about a debt that has not been validated on my consumer reports. They do not have my written consent or a court order to take these actions.

Jefferson Capital System LLC is participating in Identity Theft.
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/XXXX, I lived in California. I had never paid CA state taxes, and in fact, every year I received a refund. When I married a XXXX XXXX man, the military moved us across country in XX/XX/XXXX ; he deployed shortly thereafter. I had no idea that CA was in the process of incorrectly processing a tax return for me. Truthfully, I felt almost benevolent in that I had not yet bothered to apply for the monies I knew California would owe me. 

They assessed that I owed them {$1100.00}. Not only was their calculation incorrect, but they actually owed me {$350.00}. 

When we applied for a loan, I saw the lien on my account and immediately filed my XX/XX/XXXX taxes, requesting my refund and that the lien be removed from my credit report. The CA FTB can not remove it from my credit report, because they do not report to the credit bureaus, rather it is made public knowledge, and the bureaus access the public knowledge. I did get a letter from the FTB that stated the tax return I submitted on XXXX/XXXX/XXXX, 10 days after the lien was filed, showed a balance due of XXXX. 

It is frustrating to see that the lien shows " paid '' on my Transunion credit report, as I never paid a single dime to have it removed, because I owed them absolutely XXXX, and they owed me {$350.00}. 

XXXX shows no status at all, not paid or released, just ... nothing. 

I do not know what XXXX shows, but it likely is n't much better. 

This is an unfortunate error that is causing serious detrimental effects to my credit. I was never a tax dodging citizen as this blemish accuses, rather someone who was overwhelmed by the new responsibilities of being a XXXX wife, and thinking I had nothing to worry about, as I knew, rightfully so, that I owed no money. 

If there is anything at all that can be done to assist me in this matter, I am immensely grateful for your support and action. 
Sincerely, ( you wanted no personal identifiers, so I will say XXXX Wife )
Consumer complaint received 2022-12-01
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)

on XX/XX/2022 I submitted documents that showed grave inaccuracies in information being reporting on my credit file by XXXX, Experian and XXXX. The only one of the above entities that I received a response was XXXX and it did address XXXX of the unfair and unbeneficial items reported ; however there are many more items that I requested to be deleted due to major inaccuracies and surely this is not fair and equitable to me. This is a major infraction and violation as of the FCRA and I have given the above entities sufficient time to comply and it has not been done. I request that all of the inaccurate information BE DELETED IMMEDIATELY.