davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

i nor XXXX XXXX XXXX not nor ever gave consent to NewRez d/b/a Shellpoint mortgage servicing, llc nor XXXX  XXXX XXXX nor XXXX XXXX nor XXXX XXXX XXXX, to use our names, images nor likeness nor consent to forge a Signature and take our identities in attempts to pass along fraudulent, unverified security instruments. there is a scheme currently in place to unlawfully attorn property from us at XXXX XXXX XXXX XXXX new jersey XXXX all parties are with knowledge that no mortgage, loan, promissory note were ever signed by XXXX XXXX nor XXXX XXXX yet all parties contend on proceeding with attempts to foreclose our property and use our identities and forge signatures purporting to be ours. these parties are in direct violation of 18 U.S. Code ss. 1028 ( a ) ( 1-8 ) & 18 U.S. Code ss. 473 PLEASE SEE ATTACHED AFFIDAVIT AND POLICE REPORT
Consumer complaint received 2019-09-12
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: SYNCHRONY FINANCIAL (MD)

Credit card with WalMart said was not paid but closed. This card I am paying {$100.00} to XXXX for 48 months and it will be paid. I feel this was paid to WalMart by XXXX in full. 
So I am paying the full amount of {$4800.00}. Contact me with your answer.
Consumer complaint received 2019-02-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation (WA)

XXXX made contact with PHH @ XXXX to get information to request a partial release. 
this was sent to us XXXX Dear XXXX XXXX, Thank you for using our email service. I apologize for the delay. 
I have requested for the requirements for a partial release of land to be mailed to the borrower. Please allow 7-10 business days for delivery. 
XXXX borrower did not receive anything in the mail XXXX urgent request to PHH borrower has not received package also included borrower authorization. 

XXXX urgent request to PHH with borrower auth need requirements for partial release request. 
XXXX urgent request to PHH need update on status XXXX borrower did not receive a package only a letter of authorization to be completed. he sent that to us and we emailed to PHH XXXX called PHH finally someone told me they will not talk to me because they did not accept borrower signed authorization because his signature did not match. 
I have called a total of about 5 times. I have had borrower cause a few times and they will only give me daily authorization and borrower will have to call in every time I need to talk to them. 
this has delayed closing 3 months, and we still do not have the required list of items they need to request a partial reconveyance, and they still will not accept borrower authorization form they supplied for him to sign.
Consumer complaint received 2019-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

I have been paying for over 20 years on two student loans that are now held by Nelnet as of XX/XX/XXXX. Today, I spoke on the phone with a Nelnet customer service representative and learned that I have been accruing capitalized interest at a rate of $ XXXX/month. This capitalized interest has been accruing without my knowledge and Nelnet has not notified me of the existence of this debt. 

When I asked the Nelnet rep how I was supposed to pay off this capitalized interest that I am not being billed for and which has now grown to be a debt of {$1400.00}, I was told to just add {$64.00} to my monthly payment of {$360.00} even though that does not appear anywhere on the monthly statement as a debt I owe. However, if I only pay $ XXXX/month, I will keep up with the monthly interest accumulating but never pay off the total debt, right? That seems like bad advice and disingenuous. How can I pay off a debt that I never get billed for and never get notified of its existence? 

I spoke with another Nelnet phone rep named XXXX back on XX/XX/XXXX, to inquire why the extra principle payment I sent in was not applied to my loan and instead was issued as a credit on the following months statement ( statement date : XX/XX/XXXX ). I was told that I accrued interest of {$110.00} during a previous forbearance in XX/XX/XXXX-XX/XX/XXXX that had not been paid off so extra payments could not be paid toward principle until that had been paid off. I asked how was I to know about this and how could I pay it off XXXX said she would investigate and I have still not heard back ; in the meantime, Nelnet is apparently charging me daily interest without billing me for it and without informing me of the debt. 

I made numerous payments toward extra principle in XX/XX/XXXX before Nelnet purchased my loan and they were applied per my instructions to pay down principle. When I paid extra to Nelnet, it was not applied to either the principle or the capitalized interest but instead was designated as a credit to the following month 's bill. I could have easily paid of {$110.00} if notified of the debt ; now that it has grown to a debt of {$1400.00} ( and  increasing by the day ), it is much more difficult to pay off.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.
Consumer complaint received 2022-08-19
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-02-14
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. (GA)

I was advised to contact you all regarding a XXXX XXXX account on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report.
Consumer complaint received 2019-02-14
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: SYNCHRONY FINANCIAL (NC)

1st Complaint In reference to the XXXX XXXX XXXX XXXX  ( Collection Agency ) correspondence dated XX/XX/XXXX. Please be advised that I would like to officially file a complaint against Synchrony ( lender ) and XXXX XXXX XXXX XXXX for the improper handling of my account with XXXX XXXX issued by Synchrony ending in XXXX. 

on XX/XX/XXXX I applied for an XXXX XXXX Credit Card at their store in XXXX, NC. Since the date I submitted the application I never received any statements or any type of correspondence until XX/XX/XXXX when I harassed by a collection agency about an outstanding debt that transferred to collection. I had to contact the XXXX on the card and they confirmed the status of the account and by way of conversation I found out that I owed {$34.00} from the date of application that accrued interest and late fees of {$140.00}, but more importantly damaging my credit history due to the negligence on XXXX XXXX as well Synchrony Part. They didnt have a good address for me therefore I never received any correspondence. They told me on the phone they tried to contact me via email which obviously was captured by spam therefore I never received a monthly statement or any other method of notification of a payment due. 


2nd complaint Privacy breach. 

For a whole year my info has been sent to someone somewhere which comes with the risk of identity theft. It seems like that is not a one off situation since I was mailed a JC Penny statement in the name of XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX NY XXXX.
Consumer complaint received 2019-02-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (MD)

The company XXXX XXXX XXXX keeps charging my XXXX year old mothers bank account auto debit. They are not authorized and we have tried numerous attempts to get them to stop. PNC bank will only do a stop payment for six months. The company often changes its name and dollar amount charged and it goes through again as a monthly auto withdrawal. This has occurred multiple times after requesting a stop payment with PNC. PNC will not allow me to disable auto withdrawal. We would only like to use this account for deposits and writing checks. PNC will not help us. When contacting the XXXX XXXX company there is no live human only a recording that you must leave a message and they do not call you back. I have written to the email address they have provided as well as the XXXX XXXX XXXX to no avail. PNC has tried to find out where our payments are being send. They are routed to XXXX XXXX XXXX XXXX XXXX who then says they are routed to another vendor. It is very frustrating. There was never a written agreement by my mother or myself which is required by law stating that these charges are to be allowed on our mutual checking account. 
XXXX XXXX
Consumer complaint received 2019-02-14
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. (FL)

per your investigation you have written and concluded that XXXX XXXX XXXX and XXXX XXXX have been DELETED from my credit report. However, after carefully review my credit report on XX/XX/2019 I still see both account appearing on my credit report. This is a violation of the Fair Credit Reporting Act
Consumer complaint received 2019-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX. On XX/XX/2018, I received a letter from my lender WELLS FARGO claiming that there is a shortage in my escrow account of {$930.00} due to this issue my monthly mortgage payment went from {$2200.00} to {$2400.00}. 

It is important to let you know that I was never formally informed or notified by Wells Fargo about this shortage ONLY until XX/XX/XXXX. It is Wells Fargo 's responsibility to notify me is there a change in my mortgage account. 

I called Wells Fargo and complaint about this matter and my case was assigned to an executive investigator. Will you kindly help me to make sure this executive conducts an honest and fair investigation? 

The name of the Wells Fargo Executive is XXXX XXXX XXXX My Wells Fargo account number is : XXXX Name : XXXX XXXX PH : XXXX Please see the Wells Fargo escrow statement attached herewith.
Consumer complaint received 2018-08-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NJ)

I was put in collection around XX/XX/2017, by XXXX for the amount of {$69000.00} which XXXX XXXX issue payment for the amount of {$6500.00} and XXXX amount was {$2100.00} payment in full by XXXX, my ex- husband XXXX XXXX took the checks for his own personal use which he admitted taking the money, I had giving all divorce documentation to both doctor 's court order on XX/XX/2017 my ex-husband shall be solely responsible for repayment of both of these debts and shall indemnify and hold me harmless with regards to this debt I forwards this papers to XXXX XXXX XXXX, I tried to purchase a house and I cant because I'm in collection in the 3 bureau and my credit it getting damage because of this. Please see attached proof from the lawyers and court.
Consumer complaint received 2019-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I was impacted by 2 CA wildfire national disasters, one in XX/XX/XXXX & XX/XX/XXXX. I have been requesting disaster assistance but have not been told I can not apply for disaster assistance, but to apply for a modification. I was told that if I submit all the documents, my sale date would be postponed while my documents are reviewed. I submitted all te documents within the time frame-but the sale date has not been delayed & I have not been able to discuss my options with a representative. I am also concerned bc of a transfer date error by caliber, which caused delays in my obtaining assistance from the correct servicer, please see attached documents, since my loan was transferred during the disaster.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. ()

I placed a freeze on my credit after the XXXX breach. I placed freezes with both XXXX and Experian. Now, I need to unfreeze my file. I was able to do this online with XXXX, but unable to do so with Experian online or by phone even when supplying my PIN. I called both of Experian 's XXXX numbers but only received a computerize phone instructions to mail a letter with all sorts of information and supporting documentation. First, I am a DoD civilian stationed in XXXX, and it's not clear to me whether I need to use my XXXX address or my XXXX address. Second, the amount of documentation required is simply excessive, especially in consideration that I supplied my PIN. Third, I am virtually guaranteed to experience an unacceptably long delay in using my credit because I am forced to use mail. Being overseas, I'm looking at 1-2 weeks for mail to arrive plus 3 additional days for Experian to process my request. I'm moving back to XXXX next month and have need to obtain housing, which will require a credit check. Now, how am I supposed to do that in time? Experian simply has an unacceptable process, and it does not need to be so onerous. To wit, XXXX 's approach was simple, and I didn't even have to supply my PIN. It makes me angry that these credit bureaus are legally permitted to broker in my credit, that one of them breach my sensitive information prompting me to go through elaborate procedures with multiple bureaus to protect myself, and that I have to go through another unreasonably complex, inefficient, and risk-prone ( i.e. mailing all sorts of sensitive information through the mail to a credit bureau address ) procedure. I request that the CFPB investigate these practices or seek to have an investigation occur, seek injunction to stop these practices, and seek damages on behalf of me and other injured individuals.
Consumer complaint received 2019-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (TX)

I called well Fargo on XX/XX/XXXXXX/XX/XXXX and to do a balance transfer and I ask for XXXX dollars to be send to a bank and I realize I gave them them the wrong account number and I I called a week later and I ask for the funds to be reversed and they are unable to do so and want me to called XXXX XXXX and I called XXXX XXXX and they told me to call well Fargo and talk to them and second problem is on XX/XX/2019 I sent a check in the amount of XXXX to well Fargo account number ending XXXX and on theXX/XX/XXXX the XXXX was reversed without my permission and I notified XXXX XXXX  and they told me they never requested for the XXXX to be reversed and Im trying to get a grand total of XXXX plus the balance transfer fee of XXXX refunded back to my credit card ending XXXX
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

REGARDING XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX SR LOAN MGR I. HAVE BEEN TRYING TO GET A COPY OF THE CREDIT INQUIRIES OF THE INQUIRY SINCE XX/XX/2018 AND IF WAS APPROVED OR DENIED BUT HE IS ACTING XXXX IN HIS EMAIL BACK TO ME. STILL NO COPIES RECEIVED AS OF XXXX XXXX
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (VA)

M & T bank had a promotion for opening business accounts which enticed me to open online. My account was opened successfully online but I was not given online access, the option to opt-in for paperless statements, or the ability to make an initial deposit. Despite calling the customer support line, no one was able to assist with online access. Weeks later I received a call stating I need to go to a branch to unlock the account - something that was not explained when opening the account online. My daily account value has remained at XXXX without the ability to make deposits making it impossible to qualify for the promotion. I was also charged XXXX dollars for a paper statement which I never had the ability to opt out of. Management has stated that they will not write off the XXXX dollars or allow me to close the account.
Consumer complaint received 2019-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

On XX/XX/2019 I was checking my Credit Bureau Reports and notice a collection account on two of my Credit Bureau Reports. Mainly XXXX XXXX and XXXX Reports from MidWest Recovery System for {$1200.00}. This Collection Agency have violated 809. Validation of debts, by failing to Validate this debt and to give me a right to dispute this collection within 30 days from notification. I have no clue who they are nor the Date of debt or the original Creditor. They have used two different mailing address and contact numbers to report this collection on the credit Bureau 's with partial display of a account number. This Collection Agency have failed to send me a notice of debt before reporting it to a Credit Bureau. I have not been given the Right to dispute the debt in pursuit of section 809 of The Fair Debt Collection Practices Act. I live in the State of Texas and we also have a Stature of Limitation.
Consumer complaint received 2019-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

Every month on the due date I receive 7-10 calls per day until XXXX at night from Westlake Financial. These calls are affecting my job and waking me up at bedtime. I have repeatedly asked them to stop harassing me as I have or will send payment before my grace period is up. I have phone records of all phone calls to two different phones of mine and voicemails.
Consumer complaint received 2019-02-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Midwest Recovery Systems (TX)

I DONT HAVE OR TAKE OUT A LOAN, I HAVE REQUESTED DOCUMENTS TO VALIDATE THE LOAN, I AM NEVER RECEIVING THE REQUESTED INFORMATION. THIS IS A STRESS ON MY HEALTH AND I ASKED FOR THE ASSISTANCE TO GET THE REQUIRED INFORMATION SENT ALONG WITH REQUESTED DOCUMENTS TO CONFIRM LOAN
Consumer complaint received 2019-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AK)

I have a mortgage loan with US Bank. In XXXX, 2018, I sent a letter to US Bank requesting cancellation of my PMI. In previous correspondence, US Bank informed me that I would need a current appraisal to cancel my PMI. In the letter they sent me, they informed me that the estimated appraisal fee would be {$1300.00}. The letter indicated " if the cost is less, we will issue you a refund or you may request the overpayment be applied as a principal curtailment. '' I sent them the check and a letter requesting to move forward with the PMI cancellation process. In my letter, I also indicated that an appraisal in my area only costs around {$800.00} so I expected a refund of the difference. The appraiser completed his inspection in XXXX and sent the report to XXXX. When I talked to US Bank about this, they informed me that they use XXXX for appraisal ordering. 

In XXXX, I called US Bank to inquire about when I would expect the remaining money to be refunded. I was informed by US Bank that the invoice they received was for the full {$1300.00}. I immediately contacted the appraiser and requested the invoice. I have worked in the XXXX XXXX in my area for 20 years and had never heard of a single family appraisal costing {$1300.00}. The appraiser told me that he couldn't give me a copy of the invoice, however, he also informed me that he did not charge more than {$650.00} for the report. I have included his fee schedule that is consistent with his claim. I called US Bank and presented them with this evidence. They reiterated that the invoice they received was for the full {$1300.00}. I requested, in writing, confirmation from US Bank that their invoice was in fact for the full {$1300.00}. I have also included this letter. 

It appears that XXXX paid the invoice from the appraiser for {$600.00} to {$650.00} and kept the remaining {$730.00} - {$780.00}. The amount that XXXX kept was more than twice the amount of the actual appraisal. I believe that I was intentionally misled during this process. There should be no reason the fee for this service should cost more than 100 % of the actual cost of the report. 

I have attached the following documents to support my complaint : PMI cancellation instructions from US Bank Request for cancellation from me to US Bank Fee confirmation letter from US Bank Fee schedule from the appraiser Copy of page 1 and 4 of my appraisal to show the client who ordered the report