davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

XXXX sold our mortgage to Select Servicing Portfolio and our first payment was to be sent to SPS by XXXX. Our payments were current when we were with XXXX but when the new company took over they stated we were a month behind. We sent the full payment to catch up the mortgage and they are still saying we are behind on our mortgage. We send weekly payments because my husband gets paid weekly. Before the sale our mortgage our payments were to be {$560.00} with XXXX and due XXXX but SPS is stating our payments are to be {$690.00}. They had our XXXX taxes as XXXX which was correct, until we requested a reanalysis, and SPS is claiming our XXXX taxes as {$1100.00} when they are only {$420.00}. New tax bills were submitted to them, at which time we asked for a Escrow Re-Analysis at which time they changed our XXXX tax amount to our winter tax amount but they are still claiming our winter taxes as {$1100.00}, which is over 4 times the amount they actually are. I have called several times and they refuse to get the tax information corrected. Please help us
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX Account Number Num : XXXX Balance {$190.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Consumer complaint received 2016-03-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had an account closed due to a check that was written to me and they did n't have the funds. I paid the fees and was told I would be taken off of the XXXX. 3 years later they finally got around to getting that done, however, they did not tell me that they would keep me on the XXXX, which is owned by their institution. So I am still dealing with the same headache of not being able to open a checking account which is hindering my life and costing me a lot of money. I have tried appealing again to their fraud department with no luck. I do n't want an account with them, I just want to be able to move on with my life and they are preventing that.
Consumer complaint received 2024-03-10
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I was contacted by phone from COLUMBIA DEBT RECOVERY LLC DBA GENESIS in XXXX about a rental debt. I asked for them to email me everything so I could look over it. I expressed some concerns about the validity of some of the charges over the phone. They then send me an email on XX/XX/2023 and I responded with questions about it that same day but received no response. Fast forward to today when I was looking at my credit score and I saw a derogatory mark on my report from them. They never responded to my initial request so I was caught off guard. I have collected proof that some of the charges should not have been included which are pictures of the rental property which was " damaged '' and emails which include a fee for lost keys which was returned as well as emails from the property that showed that I moved out but was charged for various fees after that date. I hope to get this mark taken off my credit report and for the debt amount to be adjusted. Thank you.
Consumer complaint received 2022-09-06
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. (DC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
US DEPT ED XXXX Balance : {$3900.00} XXXX XXXX XXXX : {$2300.00} U S DEPT OF EDXXXX XXXX XXXX {$3600.00} U S DEPT OF EDXXXX XXXX : {$5700.00} U S DEPT OF EDXXXX XXXX XXXX {$5300.00}
Consumer complaint received 2023-03-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN PACIFIC MORTGAGE (TX)

XXXX XXXX XXXX : XXXX, Is very unprofessional hes been sharing personal information with builders without my knowledge or permission he doesnt want to send me a cancellation letter stating that I no longer wants to go thru with the deal that he was offering his trying to get me to pay for appraisal and credit repair that he didnt tell me about before working with him he also send information to XXXX XXXX stating that I close on XX/XX/27 and I never sign or agreed to nothing hes claimed
Consumer complaint received 2016-06-01
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Clearview Resolution Services (TN)

Clearview Resolution Services XXXX lied to my daughter, by saying she would be required to attend financial education classes at {$50.00} per class for several weeks if she did not pay {$500.00} XXXX. This was a XXXX loan, and my daughter was now XXXX. My wife used a credit card to make payment for my daughter. They provided no information by mail or email that there was any class requirements or judgements.
Consumer complaint received 2021-01-26
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: Experian Information Solutions Inc. (VA)

I have made several attempts to have the late payments removed from my credit report for the year XXXX during COVID. I was granted a payment extension and I Specifically asked would it effect my credit report. I was informed by the representative that the credit report would not be effected because the program will keep my account current. XXXX lied about that and reported the late to my credit report for XX/XX/XXXX and XX/XX/XXXX. The other late payments from the year XXXX were from when I was in a car accident and couldn't work for months. XXXX agreed to have this escalated and has yet to research pr resolve either one of these issues. I have attached copy of initial claim submitted in reference to my car accident
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I had an open complaint with the CFPB regarding my loan with Wells Fargo. I reviewed their response via your web portal in which they stated they were unable to reach me. The response infuriates me, because Wells Fargo DID NOT act in good faith to allow sufficient time for me to respond to a call. When I spoke with an agent, XXXX XXXX, in the office of the president, she maintained that the responses were, in a word, canned responses, and that the " CFPB knows what we mean when we say we are unable to make contact. 

As a consumer, I find it appalling that a company like Wells Fargo can get away with providing false and inaccurate information to a branch of the federal government, and if it is true that the CFPB " knows what [ they ] mean '', I do not understand how it is possible that the CFPB is protecting consumers. It would seem that the CFPB is catering to the lenders and agents who are abusing consumers rather than taking these lenders to task over false and/or inaccurate information. 

When I asked Wells Fargo to provide a clarification letter, they stated they would n't because that was not how the " CFPB wants [ them ] to communicate. '' Again, it would seem like the agency tasked with protecting consumers prefers to have inaccurate information provided to it versus forcing the lender or company to be truthful in their statements.
Consumer complaint received 2015-04-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I entered into the bank on an afternoon leaving town. I did multiple legitimate transactions and left the bank. I received a call the next day when I was traveling that the teller claimed to have given me XXXX too much. Not true and I left with what I though he owed me in an envelop. When the week came I not iced that not only had the teller cashed a check through my account without warning but that they took XXXX out of my savings robbing me of XXXX dollars. I am now XXXX negative that I ca n't afford to pay and my credit and account at risk. This is such a violation of bank laws and tactics Wells Fargo Should be ashamed.
Consumer complaint received 2016-09-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC (TX)

I had refinanced my loan with 360 mortgage but they keep reporting negative information to the credit bureau, the loan was paid in full before it was 30 days delinquent. Yet they keep reporting that it was late and it has dropped my credit score by XXXX points. I have called them numerous times and they say to dispute the charge through the credit bureau. I have done this twice. The first time the issue was fixed, then all of a sudden they reported that the account was late again so I have to dispute a second time. When I call them they offer no assistance even though they know they reported the information incorrectly. I need this issue resolved as my good credit is being damaged by lazy credit reporting.
Consumer complaint received 2016-06-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I fell behind in my mortgage due to a change in income, I lost my job.My home has a forclosure date of XXXX/XXXX/2016 on it. I have been trying to work with Wells Fargo to remedy my situation. I have an active purchase offer for my home. I faxed in the offer with proof of funds from the buyer to Wells Fargo on XXXX XXXX, 2016. They have told me they may not accept the offer due to time frames. I need help to postpone this forclosure. Please help.
Consumer complaint received 2015-10-01
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

-Att Loan Servicing Complaint on Wells Fargo Bank VA Loan Short Sale ( I feel like Wells Fargo Bank is not doing their best to assist me with my VA short sale. ) Hello, This VA short sale is being completed because of the value of my property going down while I was in the Military, I was unable to attempt to sell my home and move my family away from my XXXX when I got out because of the home market values/compared to what I owed on my home. 
This is the second attempt at completing a VA short sale with Wells Fargo Bank ( first one failed because the offer was not 85.05 % of the total appraised value of my home required by VA ). I have learned all this process by talking with VA and doing my research online for VA short sales. The appraised value was higher than fair market value. So when the first Short Sale failed, I went to VA for a reconsideration of Value and have received a new appraised ( fair market value ). I currently have a new offer on my home for a second attempt at a VA short sale. This offer was signed on XXXX XXXX 2015, and I and my Realtor have been sending in paperwork to Wells Fargo Bank like crazy. I will say that we had some issues with being able to fax the documents that were required to start the VA short sale process, IE bad copies, blank faxes. During this process after about 2 weeks of doing this I asked if there was another way to send the documents in to Wells Fargo, they said the only way was to Fax it in. I then talked to a different person from Wells Fargo after all the Fax attempts failed and they said, " Yes you can just send them to me in a secure email ''. After all those failed Faxed attempts, and almost 2 weeks later, it took me XXXX minutes to email the documents in. ( No communication, why did they not tell me this ) One of the big problems is that I will ask Wells Fargo if there is any paperwork missing? Is there anything that my Realtor needs to send in? what do you need from me? I have been calling Wells Fargo almost every day for the past 3 weeks checking in to see if there is anything that needs to be done. Today XXXX XXXX 2015 I made my phone call and was told that page XXXX of the Hud 1 Agreement was missing. Myself and my Realtor had turned this paperwork in weeks ago, and every day I was asking was there any paperwork missing? are we good to go? And the answer I was always getting was they are still reviewing my short sale, ( for the last 3 weeks or so ). I am afraid that I will lose this offer on my home, my Realtor has informed me that the buyer has to move out of there other home soon. At this rate I am unsure if we will make the current closing date of XXXX XXXX 2015. 
I just want to ensure that I am receiving the best help from Wells Fargo Bank with this VA short sale. I have never missed a payment on my current home, and I have been a loyal customer as long as I have been with Wells Fargo Bank. 
Thank you for your time14 year Proud ( XXXX ) XXXX Veteran
Consumer complaint received 2022-09-06
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/1997 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

My Exxon Mobile Credit card was lost/stolen. When I realized this I contacted Exxon to report it and was still billed for charges I didnt authorize. I filed a police report and everything for this it was over {$700.00}. Please help me in XXXX name. Amen
Consumer complaint received 2020-10-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I tried to dispute my report from experian and it would not let me submit. They have incorrect information on my report that negatively affects my credit history that are over7 years old. 
Also, the same issue with XXXX  XXXX
Consumer complaint received 2022-02-13
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: Navient Solutions, LLC. (MO)

I'm being charged for a Student Loan that does not belong to me. And have tried to resolve this matter, than to make things worse with all the research I been doing the company has been running a Scam. I need the student loan to be removed from my credit account from all 3 credit bureau. XXXX, XXXX XXXX XXXX I can't believe that this company has ruined me they have me down on XXXX student loans how could this company do that to me. I need this to be resolved immediately. 

NAVIENT XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ) {$17000.00} XXXX ) {$9300.00} XXXX ) {$7800.00} XXXX ) {$3400.00} XXXX ) {$3300.00} XXXX ) {$3200.00} XXXX ) {$2100.00} It Totals the Amount of {$47000.00}
Consumer complaint received 2022-02-13
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. (FL)

There is a collection account in the amount of {$490.00} on my Equifax report that does not even have a creditor listed in the creditor field. The collection account in reference shows that it was opened on XX/XX/2021 with an account number of XXXX. 

There is no contact information nor account name for the furnisher of this account therefore I request the removal of this account in its entirety per FCRA regulations.
Consumer complaint received 2021-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (LA)

I entered a consumer credit transaction with COMENITY BANK and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that COMENITY BANK claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. COMENITY BANK has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2017-01-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Consumer complaint received 2021-06-04
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. (PA)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you