davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CO)

In XXXX XXXX XXXX I was granted a temporary forebearance and went into that forebearance current on my mortgage. I have stayed in contact and currently should still be in forebearance. I submitted an application for a partial claim/loan modification as well as extension in XXXX, while I had no income ( unemployment stopped until XXXX ) I was granted an extension on my forebearance through the end of XXXX and again requested an extension with no response and then submitted an application again for a partial claim/loan mod via email. ( XXXX time was via the portal ) to this point I have not received any calls regarding needing anything from me or to give any help. I started calling several times a week and documenting since I just received a notice of foreclosure- although I have a current application for a Covid-19 recovery workout partial claim/loan mod and still should not be in arrears on my mortgage. I have an appointment with a HUD counselor today and am also working with the XXXX  XXXX for emergency mortgage assistance. I also started a job this week so could begin paying my mortgage immediately.
Consumer complaint received 2022-01-11
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Wilber and Associates, P.C. (NC)

Received letter in the mail stating they were collecting debt in regards to an insurance claim for an incident 2 years ago. We've never been in an incident on any such date or area. Upon searching information on the collector, there are hundreds of reports they are illegally trying to collect bogus debts and once you reach out to them they are relentless in their attempts to collect and unless you hire an attorney they do not stop. I will hire an attorney if needed.
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CT)

on XX/XX/19 i initiated a transfer of {$500.00} from my checking account at wells fargo bank to " XXXX '' an investment firm.The last 4 digits of my account # at wells fargo is:XXXX and the last 4 digits of my social security # are XXXX I canceled the {$500.00} transfer. Wells Fargo told me via telephone that they would stop payment on it, and make sure I got it back. This did not occur. I am missing {$500.00}. XXXX says they do not have it, that they sent it back to wells fargo. Wells fargo says that they never took {$500.00} out of my account, despite that they indeed, did. So, they refuse to give me back my {$500.00}, because this " never happened. '' I was told that this case had been expedited and that a " case '' was opened, however, when I call to see what is holding up getting my money back, they have no record of any of this. 
I swear at risk of perjury that I had {$500.00} taken out of my account, and that it was not returned to me. I just want my money back into my account immediately. 
The bank erased the record of {$500.00} coming out of my account on XX/XX/2019, so that I have no documentation to show.
Consumer complaint received 2021-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Here is the account that needs to investigate and remove from my personal credit file : ARS ACCOUNT RESOLUTION - XXXX
Consumer complaint received 2018-02-07
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. (AL)

THIS ACCOUNT at XXXX XXXX XXXX and this Loan was fraudulent. XXXX  and XXXX removed the account but Experian refuses. I have FTC Fraud Report and Police Report. Plus I have asked XXXX  to produce proof of loan and they can or will not.

Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you  do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B  ). 
I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities  when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, Fraud Victim Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files EXPERIAN STATEMENT XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

ACCOUNT DETAILS Account Name XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$9100.00} Balance Updated XX/XX/XXXX Credit Limit {$8000.00} Monthly Payment - Past Due Amount {$9100.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - FRAUD NOT MINE
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MI)

Company closed Sunoco credit card account that I had since 1992, almost 30 years. 

Never received a notice that it was being closed. 

This affects credit scores and history. 

Their response open a " new '' account with the associated credit hit for a new inquiry.
Consumer complaint received 2019-03-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (FL)

when I applied for loan loan amout wasXXXX with a payoff of XXXX and my closing acutial was XXXX witch would of been a refund ofXXXX then they called me and said they messed up andput XXXX as the pay off witch I had to make up XXXX I don't know how and if they made that mistake they were the orangial loan and the refinance loan bank .so they redid my loan now its XXXX was185000 and took out XXXX to give me back at closing if I would of went with frist loan I would of got XXXX and appraisal fee back of XXXX they are doing something croked I was forced to sign new loan cause I would have trouble making old payment of 1973 new payment XXXX and frist loan was XXXX please help me understand this I never saw paper work about they put the pay off at XXXX and I asked on a recorded line if I could buy down points and they said I don't recommend that then they did it
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MN)

My mortgage is serviced with FAY SERVICING.  They appear to be very shady with loan payments. I will give you 2 examples:1) back in XX/XX/XXXX they sent me (2) $XXXX check, I should have only received 1.  I call then and they had no idea what I was talking about.  I cashed them both.  I then noticed I had a late mortgage payment in XX/XX/XXXX--they took my payment that I made in XXXX to offset their "double check" to me.  Is this legal?? I have no idea but seems they should have just called me to ask for the money back.2) I regularly make payments for more than the amount due--I expect this "extra" money to be applied to my principal balance--however, they move the money to a suspense account and do not apply it to my principle.  I should not be paying interest on this principal payment reductions while the money sits in this suspense account.  I just want you to look into this servicing company.  If you order a 1 year snap shot of my mortgage you will see all of the issues that I have described above.  I do not feel they are on the up and up and feel I am being taken advantage of.
Consumer complaint received 2018-02-07
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. (NY)

I just received a copy of my XXXX credit report. XXXX2017. I have been disputing 2 accounts that DO NOT belong on my credit report. XXXX XXXX XXXX XXXX XXXX  and XXXX. First off the XXXX is time barred and should be automatically deleted. The XXXX XXXX XXXX XXXX XXXX  was to be deleted off my credit report as well. I have been disputing these accounts for over 8 months now. XXXX  has done there investigation and these accounts were verified to delete and they did delete them off my XXXX  credit report. XXXX just keeps sending me that they did there investigation and the creditors have said they are reporting accurately. This is completely wrong because the XXXX account like I mentioned earlier is time barred and also besides that the account was paid years ago in FULL. Plus I do not no how they are verifiying this information because XXXX is no longer in business. That right there tells me XXXX is not doing a proper investigation. Having these 2 accounts report as negative are affecting my credit score in a very negative way. I do also have to state that I want to thank the fcra in assisting me in the past.
Consumer complaint received 2021-03-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (SC)

I applied for a VA XXXX streamlined refinance on XX/XX/XXXX with XXXX XXXX XXXX, Loan Officer, with Freedom Mortgage. We were scheduled to close the first time on XXXX, at XXXX XXXX. I was notified by the closing attorney at XXXX on XXXX that they had not received the paperwork. 

The next closing was scheduled for XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX the closing attorney asked if I could change the time to XXXX on the XX/XX/XXXX and I agreed to the new time. At XXXX the attorney said the XXXX time was confirmed, but they have not received the document package. At XXXX the closing attorney said they have not received the closing documents and had to cancel closing and reschedule. 

The 3rd closing was scheduled for XXXX at XXXX XXXX. Same as before, the closing attorney had not received closing paperwork and had to cancel. 

The 4th closing was scheduled for XX/XX/XXXX at XXXX XXXX. The closing attorney contacted me about XXXX XXXX  on XX/XX/XXXX and said she received the closing package and emailed the documents to me immediately. After reviewing the documents, the mortgage paperwork said SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF. There was no description attached. We finally received the legal description after many phone calls on XX/XX/XXXX at XXXX XXXX. The legal description was for an incorrect tract of land we own. They could not get the description corrected and the closing was canceled again. 

After the XXXX failed closing, we requested reimbursement for the following fees paid to XXXX XXXX, our current lender, to obtain payoff balances : XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} I also asked for reimbursement for the difference resulting from paying 4 % interest to our current lender, XXXX XXXX, when we should have paid interest at the 2.25 % interest rate locked if the loan had closed as expected. 

On XX/XX/XXXX, XXXX Ma, Operations Supervisor from Freedom Mortgage contacted me and said he would work on ensuring the closing for the XX/XX/XXXX would be fine and work on receiving lender credits for lost interest and fees paid to XXXX XXXX to obtain payoff balances. XXXX Ma never returned my calls or emails and did not contact me regarding the requests. 

I contacted our original Loan Officer, who told us on numerous occasions that the issues were escalated to her manager, yet we still did not hear from anyone in management. I have never received even an apology regarding the failed closings from anyone in management at Freedom Mortgage. 

As of XX/XX/XXXX, I have not received a new closing date or confirmation that the interest rate lock that expired as of XX/XX/XXXX has been extended. In addition, I have received no response to multiple requests for reimbursements for payoff fees and higher interest paid.
Consumer complaint received 2018-02-07
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: Experian Information Solutions Inc. (CA)

Grocery store franchises used my documents as retailers stores products as food products frauding scams using XXXX XXXX products and containers and advertising and post data terminals receipts and SKU number and stock number XXXX  scams using hidden XXXX XXXX dressing company XXXX   groceries stores XXXX 's groceries stores XXXX groceries stores XXXX grocery stores XXXX   groceries stores XXXX grocery stores XXXX groceries stores XXXX  groceries stores XXXX XXXX   groceries stores XXXX XXXXXXXX XXXX franchises XXXX XXXX franchises XXXX XXXX   franchises XXXX XXXX franchises XXXX 's resterants franchises XXXX 's resterant franchises XXXX XXXX  Dinners thru out the XXXX XXXX XXXX  resterant stops diner menus
Consumer complaint received 2023-04-02
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. (PA)

I have multiple late payments on my account that are inaccurate and I tried resolving the issue with the reporting agencies in which they responded with " account verified ''. I was never provided a copy of how the account was verified and my report is still showing these inaccurate late payments for XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; and XXXX XXXX XXXX XX/XX/XXXX. I have sent in multiple letters requesting that these late payments be removed because they are inaccurate and wrong.
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (WA)

We were holding " interest only '' mortgage for more then five years and paid monthly charges in amount of {$1300.00} including taxes and insurance ( see attachment ) This is an amount we could afford and we never missed a payment. Our credit history is good.The payment varied each year depending on a rate change but never changed to much. In XX/XX/2018 we received notification from Ditech financial that our program would changed to ARM starting from XXXX and monthly payment will be {$2100.00} ( see attachment ). We can not afford this amount. We addressed the company and spoke to a loan officer XXXX XXXX XXXX # XXXX on the phone regarding possible refinancing with smaller payment charges. We were denied on the basis of insufficient income. 
What is the option then- to sell the house? Why Ditech changes the rate program without our permission? It is going to ruin our budget. 
Please help.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase have a loud fraudulent activity to occur in my college account in the month of XXXX XX/XX/XXXX check deposit /cashed the amount of {$2700.00} XX/XX/XXXX check cashed the amount of {$2900.00} XX/XX/XXXX card purchases for {$360.00}, {$110.00} {$470.00}, {$390.00} & {$600.00} XX/XX/XXXX XXXX  XXXX XXXX for {$250.00}, {$250.00} & {$1100.00} XXXX XXXX  {$220.00} and {$150.00} XX/XX/XXXX Remote online deposit {$2400.00} XX/XX/XXXX XXXX XXXX {$50.00} XX/XX/XXXX Deposit I am retiring {$2700.00}
Consumer complaint received 2018-02-07
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: Midwest Recovery Systems (TX)

On XX/XX/XXXX. I noticed an unknown collection from Midwest recovery on my credit report. I contacted Midwest recovery to get more information. They stated I need to pay the {$700.00} from an account from XX/XX/XXXX. I informed that I was not aware of any account and to send verification authorizing to collect. I have yet to receive this from each call for over month now. I also informed them that this account is over the 4 year Texas statute of limitations for them to collect from anyone being that they said the account was from XX/XX/XXXX. 7 years later. Please have them remove this from my credit report expeditiously as this unknown account is over the 4 year texas limitations and 7 years to post to credit report. Thank you
Consumer complaint received 2018-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company has rejected many of my disputes that I had with debt collectors on my report. I was able to remove all of the ones that was originally rejected by the reporting agency because the debt collector was not able to validate account. 

I thought that the credit beau, of all people, would validate the account when disputed, but they do not. They just always assume that the debt collector is right with no challenges. 

I was able to do it, why wasn't the credit reporting agency able to do this when i disputed? This is what they are suppose to do, right? In most disputes i would get a generic response saying that the debt has been verified and is a true debt and they leave it on my credit report with no explanation as to how they came to that conclusion or why. 

Some of the debt collectors that i successful removed from the credit report is as follows : 1 ) XXXX county court 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 4 ) XXXX   XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX , XXXX 7 ) XXXX XXXX XXXX , XXXX . 
8 ) XXXX XXXX XXXX XXXX, XXXX. 
9 ) XXXX XXXX  Collections Department 10 ) XXXX XXXX XXXX I am working on a couple now as we speak. 

NONE of these should have ever been placed on my credit report so that means that you do not validate the claims prior to posting them like you are suppose to. 

I plan to sue this Company for damages to my credit, punitive damages and fraud.
Consumer complaint received 2022-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (IN)

Both XXXX XXXX XXXX  and some company called XXXX XXXX continue to pursue me for an alleged debt ( which I dispute the validity of ) that is past the statute of limitations in the XXXX XXXX XXXX XXXX XXXX XXXX continues to hold my student records and transcripts and sends my information to this company every time I try to resolve issues with my unfinished degree. They're now sending e-mails to accounts that other parties other than myself have access to and disclosing the alleged debt amount in said e-mails. The alleged debt is from nearly a decade ago. It is no longer on my credit report, and I continue to dispute it. I have not had any success in resolving this issue with them. I tried to speak to them about this in person back in 2013 but the woman in the office used a XXXX slur about my XXXX background and appearance, so I have not felt comfortable speaking to them in person about this since. I've tried other methods, but keep running into walls. I do not know what to do. Will they be contacting my grandkids to tell them about this as well? I just wonder when it will end.
Consumer complaint received 2018-02-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (OH)

In XX/XX/2006 I got a private loan from XXXX XXXX XXXX XXXXXXXX. I was making payments for a period of time but the payments were over {$400.00} and the agency refused to take smaller payments my aunt who is a co-signer on the loan paid {$8000.00} she had originally agreed to pay {$16000.00} to settle the account but when time came for her to pay them they refused. The lump sum was out of her retirement fund The loan amount was for about {$22000.00} now I have been sued for this account over ten years later I do not know what options I have left I have seen similar lawsuits against this same company I feel this company has treated me unethically and should be stopped
Consumer complaint received 2022-01-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC (KY)

XXXX XXXX XXXX reposed by car on behalf of Westlake Financial- I never received no letters, no phone calls etc. so while I was visiting my daughter with all of my belongings in car including my purse and my daily medication- was taken out of my daughters driveway. I took care of the issue immediately by making a payment, however no car, no purse, no medicine. I have talked to 10 people at westlake and attempted to call XXXX all day, in order to at least get my medicine. Finally after holding 60 min and then being told that I would have to do a callback someone called me 6 hours later, I asked about my medicine. I was told by the rudest person I have ever spoken with. That the lot is open by apt only and too bad for me. I have witnesses to the call. I said I need my medicine and again was told not her problem. So I am once again on hold with them. I am XXXX years old and quite disturbed by this and not one person will help me. By the way the confirmation number for my payment is XXXX I was also told by the XXXX XXXX XXXX that Westlake did not send anything over-