davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have been denied several times by Wells Fargo with no explanation. They just say based on their numbers, that I am denied. It does n't matter what I tell them my income is, or my property value, they just use whatever numbers they feel like. I have been speaking to a housing counselor and according to their system, I should be well qualified for a HAMPtier2 or HAMP Streamlined modification. It just seems like I am not being throughly reviewed and just denied. I have a very high interest rate at 6.5 % and my home is worth about {$420000.00} according to my local realtor. If my rate is lowered to the market rate, I do not see my mortgage payment becoming a problem EVER again. I am just asking for help to get caught up because my business slowed down a couple of years ago. I keep getting assigned to the same people who are not taking the time to review my individual situation properly, and seeing that if I just get help catching up, I should not have a problem falling behind again. Please help. I give my full authorization to XXXX XXXX, XXXX XXXX and XXXX XXXX to recieve information on my behalf.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I don't want to have this on my credit XXXX  XXXX XXXX XXXX XXXX XXXX SELFREPORTED - XXXX XXXX  SELFREPORTED - XXXX XXXX  SELFREPORTED - XXXX
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-03-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (NJ)

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Account Number : XXXX 30 days past due as of XX/XX/XXXX, XXXX 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 this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2022-02-11
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2016-07-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

As a result of the Department of Justice Settlement with Bank of America, The bank has issued lien releases/loan forgiveness in XX/XX/2015 on XXXX out of XXXX of our properties included in chapter XXXX bankruptcy. All XXXX properties had line of credit loans with Bank of America. We 've requested that they also release lien/forgive the loan on our property of XXXX, New York as it is a XXXX property and was also included in the bankruptcy. As of today, the bank does not respond to our request. I 'm attaching all pertinent documents on this case.
Consumer complaint received 2018-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

I am an member of the XXXX XXXX XXXX. I was XXXX on XX/XX/XXXX in XXXX XXXX XXXX    XXXX XXXX. I am currently XXXX to XXXX. I have tried several times to the Barclay credit card company to lower my interest rate in accordance with Soldiers and Sailors Relief Act that is U.S. law. On the XX/XX/XXXX, I called the company and advised them that I had been activated and requested they lower my interest rate. The Barclay Card associate directed me to call an extension within the company and leave my information and an associate would contact me within 72 hours. I didn't receive a call. I called again on XX/XX/XXXX and left a message with my information again. I have yet to receive a call from any representative of Barclay Card. Can you please assist me with resolving this problem. I can provide a copy of my orders upon request.
Consumer complaint received 2018-03-17
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. (TX)

I had a loan that was charged off over5 years ago due a medical issue that forced me to retire very young. The company who held the loan is XXXX XXXX XXXX XXXX in California. 
On my creditreport it still shows a balance and late statusevery montheven though the account was closed and charged off over 5 years ago I believe thisis impactingmy being able to get a new home equity loan
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TN)

Ocwen Loan Servicing , LLC, and I entered into a modification agreement, on or about XXXX XXXX, 2016. The terms state the the down payment is to be paid on XXXX XXXX, 2016. Each month thereafter, I am to pay the same amount each month by the end of the grace period, which is the XXXX of the month. 

However, today, I received a letter entitled " DELINQUENCY NOTICE '' demanding payment for payments that have been absorbed by the modification, which is not due until XXXX XXXX, 2016. I consider this : 1. ) harassment, 2. breach of contract, and 3. ) against the laws governing mortgagors and loan servicing agencies under the Fair Debt Practices Collections Act, et al.
Consumer complaint received 2015-05-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (SC)

I have been recieving phone calls from tons of different numbers from people who say they are from Navient solutions ( part of XXXX XXXX ). They said I attended school at XXXX XXXX in 2007 which i did not & did not recieve any money doing so. Nothing is on any of my credit reports from said loan but people call about XXXX to XXXX times a day offering several repayment options & the balance is never the same. Sometimes they tell me i have to pay the full balance other times they pffer a settlement. This said loan is 8+years old & no longer on my credit.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kimball, Tirey & St. John LLP (CA)

XXXX, XXXX XXXX XXXX XXXX continues to report interest charges on a closed case. This negative remark does not meet legal requirements for credit reporting. 

I sent a letter on XX/XX/2020 by certified mail in which they received, yet, did not remove the derogatory mark, hindering my ability to maintain a proper score.

Listed below is a description of the items that indicate that this derogatory mark should have never been on from my credit report in the first place : 1. The account status is unavailable with no usage, balance, or monthly payment.

2. It is labeled that there is no past due amount.

3. It says the debt included in or discharge through Bankruptcy XXXX, XXXX, or XXXX. 

They have not followed the law according to The Fair Credit Reporting Act. They have refused to remove my remark and continue to ruin my credit report.
Consumer complaint received 2020-10-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (VA)

Home Point Financial located in XXXX Texas refuses to give me credit for receiving my loan payoff in the amount of {$180000.00} which they acknowledge was " applied '' on XX/XX/2020. Instead they are claiming after the fact that they received it on XX/XX/2020, and are not giving me credit for the payoff payment until that date. This fictitious date change is causing me to incur additional fees in the amount of roughly {$250.00}. I have documentary evidence that Home Point Financial receive the payoff payment on XX/XX/2020.
Consumer complaint received 2015-10-05
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: FirstPoint Collection Resources (MD)

These debt collectors are calling pertaining a bill from XXXX hospital that I have spoken to them and explained that the bill XXXX that I had back in 2014. I told them that I was filing the State Compensation, XXXX, I should not be held liable to pay this money. First Point Collections has been calling me incessantly on my cell phone, and now today they called me on my work line. I never gave them consent to call me on my work phone number and I do not appreciate such calls harrassing me about payment XXXX.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KS)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent XX/XX/2020. The 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MI)

I was in XXXX school until I could not continue due to XXXX. I have equested requested an IDR last year, as I explained this situation. I received a noticed that I received a bill of XXXX by XXXX XXXX. When I called to address this process again, I was referred to a sub program. They want XXXX by XXXX XXXX. I had my last operation XXXX XXXX, 2017. I am still in recovery. My XXXX hearing is XXXX XXXX, 2017. Currently I do not have an income. I believe I been scammed by Navient. XXXX University Please help me.
Consumer complaint received 2016-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TN)

Account XXXX. 
In XXXX 2008, Chase reports I was late & gt ; XXXX thirty days and reported this to all the credit agencies. Then they finally learned they made an error ( I was only one day later and less than thirty days ), so they throw out they never got a payment!. If that was the case, my loan would be showing late all the way to payoff and the payoff amount would have been adjusted by the escrow officer. Each agent on XXXX provided a DIFFERENT version on why they reported a late payment and clearly trying to cover up an error. In fact, they disconnected my call once when provided evidence of NEVER being late. Their NEW position ( third version of an excuse ) is they never got a payment. I sent they all my bank payments showing debt to their account XXXX and in their own record it shows payment current month after months & lt ; 30 days late yet they never correct their error nor try to map out that error only XXXX rep saw and error and then disconnected the call. If I still owed they money, they would have never accepted the loan payment amount. When, I argued my contract stated it 's not due on the XXXX and the XXXX, an agent in 2008 said I would " pay '' for not being her a payment over the phone immediately.
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX XX/XX/2022, I received an automated alert from one of my credit monitoring services ( XXXX ) indicating that a credit inquiry had been requested and was subsequently blocked by my credit monitoring service. At the same time, XXXX reported a " soft inquiry '' through an XXXX data breach monitoring service. When I inquired with XXXX they indicated that it was an inquiry made by Bank of America. Coincidently, about 1 week later I received a " XXXX XXXX XXXX '' credit card from Bank of America in the mail. I called Bank of America to report that this was a fraudulent account, opened in my name, without my consent. They immediately reported the event as a fraudulent claim and closed the account. 

I reported this all back to XXXX, as part of the XXXX data breach reporting service I have established. They recommended reporting via the Federal Trade Commission, which sent me to this site to make this report. 

Let me know if you require further information.
Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (ID)

PHH purchased my mortgage, setup escrow and now refuses to pay hazard insurance on the property. I have called/emailed multiple times, and they tell me it's getting paid. Then they say it's been refunded to them within XXXX days of payment. It's not possible to get a check mailed back that quickly. My insurance lapsed as of today. I now have the insurance company emailing me saying insurance has lapsed. I also have the mortgage company calling asking for new proof of insurance because it's lapsed. My home is now not covered. The PHH phone numbers don't lead to humans, every time I email its a XXXX day response. Please help!
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

At XXXX on XX/XX/XXXX, my father and I went to the Bank of America branch to withdraw a cashier 's check $ XXXXWe were met with unreasonable demands from bank XXXX XXXX 's induced questioning and bank manager XXXX XXXX! same time I called Bank of America to complain ! The end result was that all of our family 's Bank of America accounts were closed on XX/XX/XXXX cant withdraw money
Consumer complaint received 2016-06-12
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NC)

I 'm paying a 29.9 interest rate on my vehicle. In other words, I 've paid XXXX towards it and the amount I owe has only gone down by XXXX. They refuse to give me documents on any of this since I 've looked into an attorney. This is in North Carolina where North Carolina interest rate laws set the maximum rate at 8 percent. My loan is through Santander consumer USA.
Consumer complaint received 2018-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (VA)

On XX/XX/XXXX suntrust was aware I was moving my auto loan to another bank due to issues with suntrust. XX/XX/XXXX the car was refinanced and they were paid off by check in full for the entire loan amount. 
On XX/XX/XXXX my checking account was offset for XXXX dollars for the loan after the loan was paid off in full. Then they told me that they wouldn't reverse it. The loan was paid off in full of XXXX But SunTrust still debited my checking knowing the loan was already closed and paid off on the XXXX th. I have screenshots showing it was paid and they knew it was because they sent the pay off to the new bank. This is scamming someone's checking account to make extra funds. I want my money and also extra back for the trouble.
Consumer complaint received 2018-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc. (FL)

Upon obtaining a copy of my credit file. I notice XXXX XXXX has now added two account which I never received any mail for. I have made attempt to contacting the company but never has anyone call me. 
creditor information : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX the amount of {$1000.00} and the date XX/XX/XXXX also a balance XXXX and at the current time I saw a doctor I've always has health insurance
Consumer complaint received 2015-11-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (GA)

I changed cable providers and paid what I thought was the finale Bill. Was contacted by XXXX credit about an outstanding amount owed to XXXX. The amount was XXXX. Contacted XXXX and asked if this would pay the account in full, and I paid it to the original creditor. Now some company named AFN I, INC has purchased this from XXXX XXXX and is reporting this as a new collection on my credit bureaus.
Consumer complaint received 2016-06-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (GA)

We received multiple voice mails from Weltman, Weinberg, and Reis regarding a debt they claim we owe and payments they claim we had not paid. We had never heard of that law firm. I called them and they said the account was being handled by XXXX Law Firm. XXXX Law Firm had taken over over our account almost two years ago from XXXX XXXX XXXX XXXX without notifying us and we had been paying them every month as agreed. When XXXX took over the account, they filed a garnishment on our bank account with no notice claiming that we had not been making payments. Our payments were made to XXXX XXXX XXXX XXXX and my checks had cleared my bank every month. I had to hire a lawyer at a cost of {$1000.00} to have the garnishment released. I then called XXXX and they said they had no record of us. I explained that we had been making payments to them and I gave them check numbers. They said they had no record of us. Then I received a letter from Weltman saying that if we did not make payments to them, they may file a garnishment against us. Then I called my attorney to help. He sent Weltman a demand letter stating that we had not been notified that XXXX no longer was handling the account and that we needed verification from them that they had taken over the account and that my checks to them would be properly credited and reconciled to my account. They simply sent an email giving us their mailing address where to send the checks. My attorney billed me {$250.00} for the demand letter. I did not want to have my account garnished again so I sent my checks to them and very clearly stated to them NOT to deposit my checks until they had provided me with verification that the account had been transferred from XXXX to XXXX. I have heard nothing from them and today, my checks cleared my bank. They had deposited my checks despite my very clear instructions not to deposit them until they gave me verification that they were handling the account. Now I am out {$1200.00} in legal fees and I still do not have any documentation or verification from Weltman. I have attached all documentation to support my complaint.
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

My mortgage company, Ocwen ( insurance dept XXXX ) is requiring a new coverage - condominium unit owner- for my townhome. This coverage, based on Ocwen 's rep is for interior walls of my townhome. I had faxed and uploaded the policy document since last year which included " interior walls-excluding improvements '' coverage. However, now I am being told I need to have " interior walls- with improvements ''. When I inquire where the " with improvements '' requirement is based on, I am told it 's based on Ocwen policy. My current mortgage has been in place for about 10 years and Ocwen is about XXXX company the account has been sold/transfer to. I never signed anything directly with Ocwen nor chose this company. For months I had been stressing, calling Ocwen multiple times, faxing and uploading documents without resolution. Everytime I call I get different response from Ocwen reps varying from the coverage expired, it was never included on the policy. And when I confirmed with the insurance company the interior walls are included on the policy, Ocwen changed their position that it needs to include walls with improvements. I have never done improvements nor plan to do any on my home. Ocwen is threatening to purchase a very costly policy of {$1700.00} for the technicality of adding " interior walls with improvements '' vs. " interior walls excluding improvements ''.