davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent numerous letters to the credit bureaus, creditors, and collection companies starting back from XXXX up till now. They violated my federal consumer laws. According to 15 usc 1681b ( a ) ( 2 ) it states In accordance with the written instructions of the consumer to whom it relates. Meaning i have to give them written premission to report this to my consumer report and i didnt. Some letters i sent certified mail and transunion simply decline my letter .I jus want them to know that im not working with a credit repair company i am the natural person, and online educaution is free now and days and please dnt asulat me againn
Consumer complaint received 2016-04-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (VA)

Hello Our mortgage company raided our escrow payment by {$300.00} and we are now unable to make our payment. Our taxes and escrow have not increased since closing and our insurance increased by about XXXX. We habe not heard anything regarding our request in the last 30 days. When we call we are told that it is still in review.
Consumer complaint received 2015-12-09
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo Home Mortgage and Wells Fargo Bank took it upon themselves to make a payment in my father 's name from an account that belongs to my father in front accepting embezzled money that has been withheld from the owner of the property at the same time yesterday on a recorded line was stated that the loan was paid off several times and that when the loan was paid off in 2013 Wells Fargo made themselves the beneficiary along with others being the trustees where is the trustor and grant or XXXX XXXX XXXX XXXX has no possession of his home but Wells Fargo XXXX XXXX title XXXX XXXX and other companies are making money off this property illegally by it being broken up and sold XXXX XXXX specifically states that No entity may perform actionaction that specifically does not regard the utmost well being of the borrower especially when using limited powers of attorneys. full disclosure has been requested and ambiguous remarks and results have been given at no time has the accounts been disclosed on the currently being used for the security instrument guaranteed by this bank to belong to XXXX XXXX XXXX.
Consumer complaint received 2016-08-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AUTOMOTIVE CREDIT CORPORATION (FL)

I received a phone call from a man by the name of XXXX, which to be honest I do n't remember if he said his name when he called. I was more interested in what company it was calling me from a weird XXXX number as it appeared on my caller ID. This man calls me to advise me that my car pay is {$58.00} short, my payment is actually XXXX and change. Most of the time I do n't bother thinking in cents but in whole dollars so either I pay a few cents less or a whole dollar more, no big deal. I tell him if that is an issue, he states that it is because my total payment should have been the XXXX and change, I then tell him that this entire phone call is a bit ridiculous because up until now I have paid my payments in full minus the lousy cents and this month I paid XXXX instead of the XXXX and change since they want to get " technical ''. I then ask him for a copy of my contract loan with them just so I am aware if I am out of bounds, I understand that the full payment is due but i paid XXXX % of it and for them to call me about {$58.00} is annoying frankly. Especially since I am at work! This is not the first attempt to contact me at my place of employment either, they have previously left messages with co workers during the first two months because of being a few days late, only because of my due and payment cycle however it was UNDER 10 days late. This is not my first car loan, but this is the first time being approached as harshly FROM THE BEGINNING. If I could turn the car in without hurting my credit I would have a long time ago, but we all know that 's not the smart thing to do and I do n't think I can handle 4 more years of this kind of attitude because if it 's not this month it will be next month, kind of annoying if I am paying my bill in full or up to XXXX % and within its pay period I do n't see why I need a babysitter. Something has to change because along with the XXXX attitude, XXXX did not give me the FDCPA or mini miranda or any other kind of awareness before continuing with the slap in the face.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SECURITY CREDIT SYSTEMS INC (NY)

I received many phone calls from this company security systems in regards to a student loan account that was from XXXX college, ( I actually have XXXX accounts, but they are both being serviced throught XXXX, under the united states department of education ) I sent letters, and spoke with XXXX on the phone, I also faxed over the information that this account is serviced under the united states department of education and is being serviced through XXXX, through the wage garnishment department but the phone calls continue, even after i furnished the information to XXXX I wish to have this account updated to have this security credit systems company removed from my credit report, with an explanation and to stop calling me about this XXXX college account. thank you
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Consumer complaint received 2017-01-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (WI)

My mortgage company Freedom mortgage can not seem to be able to pay my property taxes on time. Where I live my property taxes have to be paid before the XXXX of the year and at the city before the XXXX of the year. Freedom Mortgage does n't seem to understand this or care. Last year they cut the check on the XXXX, but did n't mail them until the XXXX of the following month. This year they did n't issue the check until the XXXX of XXXX and the city did n't get them until the XXXX of XXXX. Because of the fact they can not get my tax check out in the mail before the end of the year I can not claim my property taxes on my income tax return. When I called about this they said as long as they get them to the city before the XXXX of XXXX they are not late and there is no issue. They just do n't get the income tax issue and they are a mortgage company? One person there told " What is the big deal, just claim it next year ''. Another told me that they issued the check on the XXXX of XXXX and mailed them on the XXXX. How can that even happen!! 
All I ask of them is to issue and mail out my property tax check before the end of the year so that I can rightfully claim them on my income tax return that I escrowed them in.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. Transunion is violating my rights I did not give written permission to report this on my credit report Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

I obtained a secure credit card from wells fargo in XXXX. I was told that if i pay my bill on time that my card would graduate to a regular credit card ; later i was told there were other factors involved in the graduation process. from then on every time i inquire about the cards graduation status they tell me for different reasons my card is not eligible to graduate. they never disclose the exact reasons why, they only say maybe your credit score is too low or there are negative items on your credit. when asked if there is a threshold for credit scores they say they dont know. when asked what are the negative things on my credit they dont know. they cant tell me what my credit score is or what specifically is negative on my credit report so that i may address it. they continually deny the graduation of my card and do not provide a adverse action notice.
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CT)

In 2009 I applied for a modification with Wells Fargo. They told me the only way to get XXXX was to go into a moratorium, meaning instead of paying my full monthly amount, i should only pay a third for three months. I signed a document that in the fine print said would mean i was going into default and they were assign late fees and report it to credit ratings. I was told on the phone do n't worry about that. My credit dried up. My rating was wrecked. I wrote to the bank. I called. I sent money to fix the situation, but they sent the check back. I finally got a modification, although it was not worth it, and then when I was earning more I could not refinance because my credit was destroyed. The modification cost me greatly. The bank made more on me.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2019-02-27
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. (TX)

XXXX is a utility company that I applied for over 7 years ago. I always thought I never had this utility company 's services until it showed up on my credit report. As far as I knew they didn't approve my application because I needed to put a big deposit down to start the service.
Consumer complaint received 2016-05-04
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I recently tried to open up an bank account with Wells Fargo but my application was denied so now Im trying to understand and figure out why??.. .I was also told by Wells Fargo that they could not provide specific reasons as to why they have denied my request. The only information they could provide me with was a XXXX number and told me that if there is anything on my consumer report that is inaccurate that I HAVE THE RIGHT TO DISPUTE IT.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GOLD STAR MORTGAGE FINANCIAL (CA)

Gold Star Mortgage rejected my application to refinance of my home and would not return my appraisal fee, after i requested them to do so. They stated that I have a foreclosure on my credit report, to a house that I do not own. The foreclosure pertains to my mothers house not mine. Gold Star was the first to ever inform me of a foreclosure. A demand letter was sent on XX/XX/2017, to either provide to me legal documents that bind that foreclosure with my name on them or return my appraisal fee by XX/XX/2017. 
Basically, Gold Star informed me that I have to prove my innocence of the foreclosure by providing a copy of my mothers Family Living Trust, which I do not have. 
I informed Gold Star that they basically needed to provide proof that I am guilty of a foreclosure or return my appraisal fee.
Consumer complaint received 2016-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (GA)

I called the automated phone system of Franklin American Mortgage to make my mortgage payment of {$1500.00}. The system verified that I was make a payment of {$1500.00} and asked me to verbally confirm by saying " yes ''. After which it said I had authorized a payment of {$2200.00}. With noo indication there was a way to stop it. I did call to get it stopped and found out the difference was from a recent Escrow shortage, but the phone system never told me any of this and I feel it was an attempted bait and switch.
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (GA)

The loan in question was not properly coveyed to the rightful lender because they went out of business Even though I brought this information to the  citii  mortgage and th foreclosure attention , .I 'm  reaching out because I 've tried obtain a loan modification fro m citi mortgage  and they have place me in foreclosure.
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

I applied for a loan with Cardinal Financial. I was contacted by the loan officer XXXX XXXX who told me based on everything I was telling him and the documentation I provided him he was able to do the loan. I provided my paystubs and XXXX the day he requested them. He told me I was approved and collected {$450.00} for an appraisal. It was two weeks after the appraisal and XXXX stopped returning my phone calls or responding to emails. Finally in a text message he told me I have been declined for the loan. That was the last time he replied or responded to any attempt I made to contact him. 

I feel he misrepresented the likelihood of being able to refinance my mortgage or does n't have enough experience with the guidelines to know if he can do a loan. I was told I was declined due to debt to income problems, but all my income was provided to him as soon as I applied for the loan on day XXXX.
Consumer complaint received 2016-05-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

My wife and I fail behind on our mortage payments, we asked for a modification on our loan and have been going no where every since. They 've been saying this paper wasn, t complete or this was n't submitted on time, just as if at was a complete run around. So we have been rejected on so many a times we turned to a third party agency to help us move the process along, thinking that the agency had more experience then us they could move thing a long at the very lest show us what we where doing wrong. After putting together a new package to submit on our behalf the professionals were rejected saying paper work was not in on time after two to three days, not stating it should be in the next day.
Consumer complaint received 2015-06-06
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: New Century Auto Sales, Inc. (OH)

I am a XXXX year XXXX mom who has been driving for one year. I needed a car so that I could get to and from my full-time job. I found a used car dealer who also has financing. When I went to the dealer I was alone and thought I had enough basic knowledge about purchasing a used car. Well, after high pressure sales tactics I drove the car home. The very next day I went back to the dealer to return the car. They laughed and said that I could not return the car or get out of the contract. Worst part is they reminded me that if I do not make the payments they have a device on the car that shuts the engine off while driving. This seems so wrong on many counts. No XXXX else that bought a car has this device on the car. My credit was not even that risky it is just that I was only interested in a late model car, which new car dealerships do n't offer. What a scam. I purchased a 2004 chevy with XXXX miles on it that was only worth less than {$2000.00} for {$19000.00}. I gave {$800.00} as a down payment and they also forced me to buy an extended warranty that does not cover anything that broke on the car while I have owned it. The car has had many breakdowns including the brake lines breaking with my baby in car, along with a rats nest in the engine. The dealer claimed to complete a full all points ( XXXX ) inspection prior when the mechanic said all the breakdowns should have been corrected with an inspection. My payments are {$200.00} biweekly and if I am even late XXXX day they shut off the car engine by remote control. PLEASE HELP ME. I believe what I have repaired and paid for this car exceeds what anyone should have paid. I wish to either have my money returned or keep the car and owe nothing. Thank you for you time.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (NY)

I have been attempting to obtain a loan modification on a mortgage at 6.8 % with XXXX XXXX XXXX for several years. I submitted complete applications by mail to XXXX on several occasions and attended a workshop held by the bank at the XXXX XXXX XXXX XXXX. With the representative assisting me, another completed application was made and all supporting detail was given directly to the bank representative. Over the course of this time, I was assigned several primary contacts with the bank, all of whom were extreme difficult to reach and did not return messages. Ultimately, I was informed directly by the bank that I had failed to submit all documents on a timely basis and therefore a modification could not be rendered. A few days after my last conversation with the XXXX, no resolution in hand, I received notification that my loan had been transferred to Green Tree Servicing. That was two years ago. Until XXXX 2015, Greentree has been oblivious to Harp or Hamp regulations and has consistently referred me to their refinance department where I was told they could not help me because they are not licensed to write loans in New York state. In XX/XX/XXXX I was given the name of my new primary contact at Greentree to whom I sent all required detail via Registered return receipt mail. I was then notified that I had failed to return necessary detail and therefor consideration for a modification was terminated. 
I have verified on the XXXX web site that the loan is one of there 's and eligible for modification. The house is in a nice suburban residential neighborhood. It is in good condition but attempts to sell at or below its appraised value have been unsuccessful due to the substantial number of foreclosures currently available at distress pricing. I 'm left in the untenable position of paying extraordinary interest on a property that can not be sold at sufficient enough price to satisfy the loan principle closeout let alone closing costs.
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (NJ)

This company keeps sending letters to my house and calling me before XXXX and after XXXX stating that I owe money due to non payment from progressive however, on numerous occasions I 've sent letters and disputed this information from my file because everytime I ask that they validate this debt they ca n't provide me with sufficient answers. They are very rude, and have been threatening me with lawsuits. I know that this company has insufficient proof to report on my credit report. I have not received any documentation on the debt validating that is in fact mine he told me he could not provide me with those documents because he was n't in control and I had to speak with the company who referred me to them. When I called the company they told me I had to deal with Caine and wiener in which I call everyday to try and get this account removed from my credit report. I believe that Caine and wiener are now in violation of the FDCPA for not complying with my request to verify debt and upon receipt I want this account immediately removed from my credit report. This company uses fraudulent practices to try and intimidate people to pay these non existing debts.