davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

Ms. XXXX purchased her home located at XXXX XXXX XXXX XXXX XXXX TX on XX/XX/XXXX with the owner financing term. In XX/XX/XXXX, she purchased the property next to her at XXXX with same owner financing loan term. In order to pay faster she got a Home Equity Loan from Nationstar Mortgage to pay-off the previous owner 's loan. Ms XXXX had to ask for another Mortgage Loan to pay -off the previous owner of XXXX as well with XXXX  XXXX XXXX XXXX on XX/XX/XXXX not only to pay-off but to fixed up the property because it burned out proof attached. The Title company that did the closed paperwork never filed a DEED of Trust under XXXX XXXX 's name and they ever pay-off the previous owner neither, so they foreclosed the XXXX property. Consequently, the XXXX XXXX XXXX transferred the XXXX debt to the XXXX property and did foreclosed the XXXX homestead property on XX/XX/XXXX. but she wasn't evicted from that house since then. She continue making mortgage payments with high a SCROW rate. She can not claim Homestead exemption because is not under her name. She can not sell out the property. She XXXX year-old ILLITERATE  person. They took advantage of her and did a fraud to her.
Consumer complaint received 2022-07-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (NY)

I took out three payday loans one from Lendumo one from XXXX XXXXXXXX XXXX  XXXX XXXX.Im struggling to make my payments each month and also paying my other bills.These loans are putting me in debt I wouldnt have considered a payday but I was desperate.I was getting rejected everywhere else but the payday loans where very easy to get approved for.My pension is XXXX XXXX a month and my payday loans are over XXXX XXXX a month.I live in New York where I found out payday loans are illegal.l took out a payday loan from Lendumo in XXXX of this year for XXXX and I have to pay back XXXX XXXX  I borrowed XXXX dollars from XXXX XXXX and have to pay back XXXX and from XXXX XXXX I borrowed XXXX dollars and have to pay back XXXX dollars my payment is XXXX a month for 12 months. I borrowed in XX/XX/2022. Lendumo I pay XXXX a month and XXXX XXXX a month these loans will be paid off in XXXX.Be honest with you I did use my old XXXX XXXX address to get the loan but I read XXXX is illegal too.I do have a valid New York drivers license and Bank account Looking for relief thank you XXXX XXXX
Consumer complaint received 2019-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I am a father of XXXX who recently lost his wife and got behind on my mortgage. I had a payment plan with Wells Fargo home preservation who asked me to make three consecutive on-time payments of which I made two and was unable to pay the third because of insufficient funds do to other payments that went through at the same time. I tried to get another payment plan I sent Wells Fargo all the information they requested and they told me they could not find me a plan. 13 years of mortgage payments made on time and because of one bad year Wells Fargo is trying to foreclose on my property
Consumer complaint received 2018-10-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stenger & Stenger, P.C (TN)

XXXX XXXX has hired Stenger & Stenger to collect an old debt from me. I was served with a civil warrant on XX/XX/XXXX with a court date set for XX/XX/XXXX and the warrant was created on XX/XX/2018. I was served 11 days before the court date and my options when I called were ( 1 ) to pay the whole amount of {$520.00}, ( 2 ) pay in installments with a 40 % increase to the amount ( " {$210.00} for costs of suit '' ), ( 3 ) go to court. It's my opinion that 11 days was not enough time to come up with the funds. Seems like they are trying to get more money from me with the sense of urgency as I can not just come up with the full amount in 6 business days and don't want to go to court. I told them I had no other choice and would do the instalments. When I received the instalment contract 2 weeks later in the mail, I was surprised to learn that there was going to be 7 % interest on the payoff amount, which was not disclosed to me in the initial conversation. I called the court to find out any other information and they said there was not a suit filed. I called Stenger & Stenger back to ask about the interest and to see if there was a way to waive the " costs of suit '' fee as there was not a suit filed. The response I received was " These terms have been set by the court '' and they would not discuss it further. The account was closed over 8 years ago. Is there not a time limit to collect on accounts like this?
Consumer complaint received 2018-10-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On Friday, XX/XX/2018, I went into a Bank of America Financial Center at XXXX XXXX XXXX, XXXX XXXX, NY. I specifically asked the Branch Manager how the funds will be disbursed if I deposited a check from my retirement fund in the amount of {$83000.00}. I was told that on Tuesday, XX/XX/2018 the first {$5000.00} will be available and that on Friday, XX/XX/2018, the remaining balance will be available. I needed to know this because if it would have been too long of a wait, I would have took the check to XXXX XXXX and opened up an account there. I deposited the check and was informed that the whole check will be on hold for a total of 11 days ( XX/XX/2018 ). Needless to say I was very angry. I called Bank of America for  the next few days multiple times and every person I spoke to said something different. No two people gave me the same information. XXXX XXXX XXXX  clear the cash into Bank of America after XXXX  on Monday, XX/XX/2018. I called Bank of America this Morning multiple times again and was told they don't see the cash  deposit so I still have to wait. I said why is the whole amount on hold, can you at least release {$5000.00} especially since the other bank sent over the funds. I was told no. I then replied if I was white, portions of that money would have been released to me, but, because I am XXXX the whole amount is put on hold for 11 days.
Consumer complaint received 2018-10-30
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. (CA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX   XXXX XXXX ( Original Creditor :  XXXX XXXX XXXX ) XXXXXXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXXXXXX  and XXXX XXXX XXXX XXXXXXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im  TRYING TO BUY A HOUSE
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (HI)

I am currently struggling to make my mortgage payments to my lender for a legit reason. I had a accident at my place of employment in XX/XX/XXXX and I did recover from it all and then I went back to work and was receiving very small checks from workmans compensation during this time period but not enough for me to make my payments. 
So in XX/XX/XXXX my lender SPS offered me a Trial Plan and i could not afford this either due to not being able to work at this time, I then went to apply for XXXX   XXXX and this is what i now receive today for income with a little help from my wife with her business she has but still not enough to make this affordable for me to able to stay in my home. I am also getting rental income and that is it. 
In XX/XX/XXXX I applied and i was approved for a RE Payment plan of payments that there is no way i can afford to pay. I then opted out of the repayment plan knowing the lender set me up for failure to not make such large payments to them for 12 mos ( see the attached agreement ) I then re applied again for mortgage assistance cause i am doing all i can to get a affordable payment for me with the income i am receiving now. I had been getting income from my daughter but she is no longer living with my wife and I. So i lost her assistance as well. Per the call to my lender SPS they told the 3rd Party AHR that they will not in any reopen my file for any mortgage assistance at all they will only give me liquidation options ONLY. that is it do short sale or Deed In Lieu and i want to keep my home in some way it can be more affordable to me and my family.
Consumer complaint received 2018-10-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (TX)

The company has only sent me one page statements. The most recent statement threatened to adversely effect my credit report. I called to clarify and the representative said that if I did not pay at least a minimum amount, they would write two credit bureaus and adversely effect my credit. I requested that they provide me any information pertaining to the account that details their authority to adversely effect my credit. They declined. XXXX ( Extension XXXX ) said that he would only send me any information required by law. I asked him to explain but he kept repeating that information. He also fraudulently stated that I made statements which were untrue.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

XXXX XXXX reported a Hard Inquiry on my Equifax credit report on XX/XX/XXXX & XX/XX/XXXX. The inquiry on XX/XX/XXXX shouldn't be reporting. What would be the reason to run my credit twice and i already was approve for service prior?
Consumer complaint received 2023-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (IL)

As a responsible consumer, I take my credit score and reputation very seriously. Unfortunately, due to unforeseen circumstances, I was unable to make payments on a debt I had incurred. However, I have since rectified the situation by paying off the debt in. I believe that this action demonstrates my willingness and ability to fulfill my financial obligations.

Despite my efforts to rectify the situation, the presence of this debt on my consumer report has continued to negatively impact my credit score and my ability to obtain credit for personal and house purposes. I have been denied credit and financing opportunities, which has further exacerbated the damage caused by this debt.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I went to my Credit Union to get an auto loan. They advised they have partnerships with local car dealerships and we can go directly there and apply. When we got there we told the Salesman we wanted a loan through our Credit Union and that's why we came to them. We found the car we wanted to purchase, completed the application, and got the loan through XXXX XXXX XXXX XXXX. When I got denied for credit and pulled my credit report I found inquiries for almost a dozen other companies that were never authorized. I also have inquiries from other days that I do not recognize. I have disputed these numerous times with no results. 

Unauthorized Inquiries : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  ( duplicate, listed twice ), XXXX ( duplicate, listed twice ), XXXX, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted multiple complaints to the bureaus and i have not gotten any results. I am in the middle of applying for a mortgage and the lender is denying me because of inaccurate information on my credit report that hasn't been removed and it is hindering me from getting my preapproval. I am in desperate need for a new home for my family due to mold exposure. I would like to have this resolved IMMEDIATELY because i need to close on my home in less 10 days. Thank you for being attentive to this matter.
Consumer complaint received 2022-03-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XXXX XXXX XXXX Attachments XXXX AM ( XXXX minutes ago ) to XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX : I have been a BOA customer since XXXX and have been designated a Preferred Reward Platinum Customer. I have both personal and business accounts with BOA. Yesterday, I received in the mail a check from BOA in the amount of {$2000.00} ( copy attached ) for an account ending in XXXX. The only explanation was a statement that said, " closing balance ''. When I looked at all of my accounts online, I could find no record of this account although I know it existed and had a balance in excess of {$2000.00}. I attempted to call the phone number on the correspondence and a recording indicated that this office was not open on the weekends. I called both the customer service and security call centers today and was told that only the closed account department could provide any assistance. 

This action taken by BOA, to close a savings account without any prior notification or communication is very disturbing. The fact that any trace of this account was wiped clean from my online banking records is even more troubling. Obviously, I am concerned that BOA could take this same action on any of my other XXXX accounts. I thought this would only be a concern if there were a cyber attack on BOA. Little did I know that BOA could take action against a customer that would replicate a cyber attack. 

I am therefore demanding that BOA provide : 1. An explanation as to why my account, ending in XXXX was closed, 2. Under what authority you were permitted to take this action, XXXX. Why I can find no trace of this account in my online banking records, 4. Provide me with a verified, final accounting of the balance in this account, and 5. Explain how BOA will rectify and compensate me for this action and provide me with assurance as to how BOA will prevent this from happening to me again. 


Sincerely, XXXX XXXX XXXX CC : XXXX XXXX XXXX, XXXX Consumer Financial Protection Bureau Attachments area
Consumer complaint received 2019-03-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

I am being billed for an amount due that comes from an invoice that was altered after I/we signed the invoice for purchase of a sectional sofa at XXXX XXXX XXXX XXXX. XXXX # XXXX totaled {$9700.00} and seller registered in their books as {$12000.00}, and sent the difference to collections. I wrote the collection agency and disputed the {$2400.00} charge and asked for validation of the debt. I also asked them not to report this to credit bureaus since I did not recognize this debt and did not owe money to their client. Professional Adjustment Corp. SW FL Inc , went ahead and reported this debt to credit bureau XXXX Their first response to my debt validation request was a statement from their client ; no invoices or other documents. Again, I wrote requesting all supporting documents and later received all invoices. It was then that I realized the original invoice had been altered and sent them a copy of my original, signed invoice along with their altered invoice and statement reflecting incorrect amount. All correspondence was sent via certified mail. I can provide supporting documents. Store attempted to collect this amount prior to delivery and I disagreed and went personally to the store to try to find where the open balance was coming from ; no one in the stores business department had the answer, so delivery was scheduled and furniture was installed in our home. I disagreed and disputed this balance from the time I was made aware of its existence and have proof all invoices were paid entirely using my credit card. I now learn through the collection agency that the original invoice was altered after being signed and paid for and that XXXX XXXX XXXX XXXX knowingly and deliberately submitted a false, inflated invoice.
Consumer complaint received 2023-03-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I had a car through credit acceptance. Due to the bill and trying to get the car fixed, the car went into default. No help, instead they told me I can release it back to the company. I did a year ago and now they are on my credit.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I was told that Medical Bills were going to be removed from the credit reporting agencies on XX/XX/2022, yet these bills are still on my credit report. 

Is this my error or am I reading the directive incorrectly. There is literally no way to talk or communicate with the big 3 reporting agencies. 

This is very frustrating. I just want to know the directive and why these agencies have not removed this incorrect information.
Consumer complaint received 2017-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

For one year I have requested information and answers only to be talked down to, humiliated, degraded, and then told that the office of the president at Wells Fargo no longer handles assisting borrowers with saving there homes, the modification process and financials you would need to contact a different department. My question is, why for the 1 year that I asked for a modification package, short sale or deed in lieu package was I NEVER TOLD THEY DIDNT HANDLE until after the fact. Maybe if I knew this I would have sent the information in 8 months ago, maybe if I was told not to worry about the foreclosure because I was working with the XXXX I would have gotten ahold of someone else way back when. It was n't only about the other issues It has always been about saving my house!. XXXX states well I told you in my last letter we did n't handle it and where to fax, really you just got involved, what about the last person for 8 months that said nothing! I am sorry what have I been doing for one year, you wait until its in the last legs of foreclosure to say oh hey we do n't do that here. Wells Fargo and its employees have no empathy, no compassion and sadly make excuses and blame the borrower, they will continue to skirt around the issues and make homeowners continue to lose there homes. I am uploading the same financial package I have faxed over to Wells Fargo hoping it gets in the hands of someone who wants to help people. The rep 's do n't know our stories nor our situations, so passing judgement and making a person feel worse then they already do about there situation is sad. Also, for the title issue, its not resolved. Nor is anything else.
Consumer complaint received 2017-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DYNAMIC RECOVERY SERVICES, INC. (IL)

This company, XXXX XXXX XXXX claims I owe them XXXX dollars. I do not even know for what. They are trying to scam me. I want them to stop bothering me. I DO NOT OWE THEM ANYTHING BECAUSE I HAVE NEVER DONE BUSINESS WITH THEM
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX  has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights These accounts with Inquiries have violated my rights : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX is not my current address which needs to be deleted from credit reports 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-03-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

According to my last statement with XXXX  XXXX my balance was {$750.00}. How is it in collections for {$1000.00} CURRENT BALANCE 1  {$1000.00} Original Creditor XXXX XXXX XXXX XXXX 

Merchant or Service provider MIDLAND CREDIT MANAGEMENT , INC. - XXXX Original Account Number XXXX XXXX XXXX  Account Number XXXX
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IN)

XX/XX/2015 - Moved out of rental property in XXXX, GA completing required move out obligations with property management company XXXX XXXX XXXX. Move out inspection was scheduled after relocation date for my work and rendering me unable to attend. XXXX into XXXX I contacted the Rental Property Manager to inquire about the status of my security deposit return as I had not received it. The manager informed me that I would not be receiving the deposit and in addition I would be responsible for charges that I was until that point unaware of. Requesting documentation of these alleged charges I was hard pressed to recieve anything from the rental property as they had little to no records of my lease agreement the result of an acquisition. I still affirm that these charges were fabricated and illegitimate. Communication with the Property Management Company deteriorated as the Manager no longer responded to voicemail nor was available for conversation. XXXX of the following year debt collection attempts began immediately prompting my dispute letter to the company Fair Collections and Outsourcing, these attempts to dispute the information with them directly went unanswered. See attachment for reference regarding the events that there unfolded.